Paypal Holdings, Inc CFPB Complaints
Back to Dashboard2000 Latest Complaints
| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
|---|---|---|---|---|---|---|
| 05/11/2018 | Yes |
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| Paypal Has Unfairly & Unjustly Limited My Account without looking at the Facts or Giving Me Any Absolutely Any Right to Appeal at All & Will Not Even read or Take the Time to Look at the Facts at All, They Refuse to 3 Way with XXXX or My Credit Card Company or Even Look at Any of My Letters, They Just Keep Telling Me Their Decision Has Been Made & It is Irreversible. But I Have 100 % Positive Feedback & Spend Over {$10000.00} a Year & Am in Good Standing with Both & They Wan na Know Why Your Blocking Their Money as Well??? From : XXXX XXXX XXXX : Did you get your refund? XX/XX/XXXX at XXXX XXXX PayPal Customer Support : No I Have Not Received My Refund Yet & Also, What High Risk Behavior Do You Speak of??? This is Totally Unfair & I Am Being Judged out of Character without the Ability to Appeal ... You Say & Claim Buyer Protection, Now PLEASE Read Carefully as It Was By Your Own Agents Advice & Doing That These Claims Were Set Up & All Won in My Favor at That, and Yes a High Transaction Rate, Unusually High for an Unusually High Volume of Purchases, This is Totally Unfair & Unjust. You Need to Look at Each One of These Individually Not Just as Another Number ... As the Limitation is Unfair & Unjust, and Both My Credit Card Company as Well as XXXX are Willing to Do a 3 Way Call with You as to Vouch for Me & My Character as Well as to the {$1000.00} 's & {$1000.00} 's of Dollars a Year That Your All Loosing Out on With These Foolish & Unjustified Limitations, Especially My Credit Card Company & XXXX as That's What Their There for & Your Limiting Their Use for No Reason & What I Don't Need is Anymore Computerized Impersonal Automated Responses as That Seems to Be One of the Biggest Problems Here & No One is Listening or even giving Me a Fare Chance as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % Positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that Your Very Own Agents have advised me to do, you Paypal need to go back & listen to Your Own Call History Log Before You Wan na Judge or put any kind of Limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX From : PayPal Customer Support Re : Did you get your refund? XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. PayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. If you require additional assistance, or have any concerns, feel free to contact us directly at XXXX. Thank you, XXXX PayPal Protection Services Department XXXXopyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. From : XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX ( +01:00 ) Subject : Re : Did you get your refund? nope ... still waiting & i was told by a real nice lady agent named XXXX that it would be on the XX/XX/XXXX, but still nothing. another agent told me she was mistaken & it would be on the XX/XX/XXXX & here it is the XX/XX/XXXX & still nothing. i'd like to move on, got other things i'd like to buy & do on here, but i hate paypal ... never can trust em. nor these sellers with item From : PayPal Customer Support Re : Did you get your refund? XX/XX/XXXX at XXXX XXXX Hello XXXX XXXX, Thank you for contacting us about your limitation. The decision to limit your account is final and will not be overturned We've denied your appeal. We've advised you of our reason ( s ) in previous emails. We understand that you're dissatisfied with the outcome, but we can not grant an appeal for the reason you provided. Any further appeals or emails for the same reason won't be responded to. I suggest you find an alternative online payments provider, as PayPal has decided to no longer provide our services to you. Thank you for your time. Yours sincerely, XXXX PayPal Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved From : XXXX XXXX XXXX : Did you get your refund? XX/XX/XXXX at XXXX XXXX XXXX Customer Support : You Can't honestly Say That You've Denied My Appeal When You've Never Even Farley Given Me One, What to Speak of Even Taken the Time To Even Look at the Evidence or Even Read One of My Letters as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that your very Own Agents have advised me to do, you Paypal need to go back & listen to your Own Call History Log before you wan na judge or put any kind of limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX From : XXXX XXXX Questions about account limitations XXXX XX/XX/XXXX at XXXX XXXX PayPal Customer Support : The Limitation is Unfair & Unjust, and Both My Credit Card Company as Well as XXXX are Willing to Do a 3 Way Call with You as to Vouch for Me & My Character as Well as to the {$1000.00} 's & {$1000.00} 's of Dollars a Year That Your All Loosing Out on With These Foolish & Unjustified Limitations, Especially My Credit Card Company & XXXX as That's What Their There for & Your Limiting Their Use for No Reason & What I Don't Need is Anymore Computerized Impersonal Automated Responses as That Seems to Be One of the Biggest Problems Here & No One is Listening or even giving Me a Fare Chance as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % Positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that Your Very Own Agents have advised me to do, you Paypal need to go back & listen to Your Own Call History Log Before You Wan na Judge or put any kind of Limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX XXXX RE : Re : RE : Re : Did you get your refund? SR # XXXX Hello XXXX, Im sorry to hear that youre running into some issues with Paypal. I was able to detect the refunds here on our end and would ask that you check out the detailed view of your activities page of Paypal to see the addition to your account. I have included the information below for your reference. XXXX ID : XXXX STATUS : REFUNDED DATE : XX/XX/XXXX XXXX PM ACTION : CREDIT AMOUNT : XXXX XXXX XXXX ID : XXXX STATUS : REFUNDED DATE : XX/XX/XXXX XXXX XXXX ACTION : CREDIT AMOUNT : XXXX XXXX I tried to give you a call to see if we can get Paypal conferenced in with us to try and see if there was anything we can do to help clear this up for you but unfortunately the number on file I used did not connect me. Please feel free to give us a call to see if there is anything we can do to help. Normally with Paypal security blocks there is not too much ebay can do now that we are separate companies, but we are always willing to give it a try. We definitely appreciate your years of support and continual loyalty to XXXX and we want you to know that we look forward to serving you better in the future. Please contact us further if there is anything we can do to help. XXXX Thanks, XXXX Re : RE : Re : Did you get your refund? SR # XXXX XXXX To : XXXX, XXXX, XXXX, XXXX, XXXX and 5 more ... XX/XX/XXXX at XXXX XXXX as far as i know, it still does not show up in my account & paypaXXXX shows no record of it by any of the transaction numbers that i have been given by XXXX ... SR # XXXX - We couldn't find anything for XXXX. Try a new search. - We couldn't find anything for XXXX. Try a new search. - We couldn't find anything for SR # XXXX. Try a new search. this is horrible as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % positive feed back and this kind of limitation & treatment by paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need 2 look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that your very own agents have advised me to do, you paypal need to go back & listen to your own call history log before you wan na judge or put any kind of limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX XXXX To : XXXX, XXXX XX/XX/XXXX at XXXX XXXX XXXX : Reference ID : XXXX PP XXXX / Please Remove Limitations, * I am Innocent & You Have No Reasons & No Proof. XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, We've found that your PayPal account is directly related to another account which we've limited for misuse of our policies. As such, your PayPal account has also been limited and any open claims you may have filed will be denied. Any attempt to open a new account will result in the same action. Please send any questions you may have to XXXX. Thank you, XXXX Protection Services Department Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. From : XXXX Sent : Saturday, XX/XX/XXXX XXXX PM ( XXXX ) Subject : RE : XXXX ID : XXXX ( XXXX ) PayPal Customer Support : PP XXXX??? XXXX You People Need To Call Me & Drop This Limitation Immediately as None of This is True & I Have No Association with Any Other Account & I Have Done Nothing Wrong Here What So Ever. I Have Provided You with Plenty of Proof & Plenty of Good Business Over the Years .and You Have Shown Me Nothing & No Proof of Anything & Have Totally Mistreated Me & Have No Right What So Ever to Be Treating Me This Way as I Have Done ABSOLUTELY NOTHING WRONG. - Thank You Very Much. XXXX XXXX XX/XX/XXXX Dear XXXX XXXX, We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. PayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. RE : Reference ID : XXXX XX/XX/XXXX at XXXX XXXX XXXX Customer Support : what, what are you talking about now??? there are no other accounts & i have never done anything to misuse any of your policies. if you look into these cases you will see perfectly clear that everything is legitimate. I NEED & WANT TO SPEAK TO A MANAGER OR A SUPERVISOR IN THIS MANOR AS THIS IS ABSOLUTELY RIDICULOUS & UNTRUE, I AVE DONE NOTHING WRONG HERE. THIS CASE NEEDS TO BE SERIOUSLY REVIEWED. XXXX Please Look it Up ... XXXX I Have Rights Here to & This is a Violation & Non of This is True ... I Used My By Protection Legitimately Against a Very Shady Company That You Should Be Harassing NOT Me, and if This Doesn't Cease & Assist I Will Have to Take Further Leagal Action as You Are Hindering Me & My Business, and Falsely Accusing Me. STOP TREATING ME LIKE A NUMBER & A STATISTIC ... I'M A PERSON TO, AND I TRULY DIDN'T DO ANYTHING WRONG HERE AT ALL. Let My Feedback & Reputation Speak for Itself ... dhsoul ( 862 ) 100 % positive feedback Item as described, fast shipping, would do business with again. 5 stars! XX/XX/XXXX * You ( PAYPAL ) is Just Selling Itself Short, Your Cutting Off Your Nose Despite Your Face!!! XXXX How in the world can my account be limited or suspended when all i have ever done was try to protect my self from being ripped off from a particular dishonest seller & now your trying to punish me in return, absolutely ridiculous & absurd, i can not believe this & this has to be listed immediately, paypal claims that it has buyer protection, this is a joke & this is totally unfair punishment for something that was totally out of my hands as i can not help that a seller has totally scammed me & i would have thought that you all would have stood up for me alot more & now i m being punished like this in return. this is lawsuit material right here folks & you had better clear this up right away as this is not in the least bit cute & you need to fix & remove this so called limitation right now, thank you very much. And How in the World Does a Legitimate Item Not Received Claim ... Constitute Any Kind of Abuse of the System??? the System & the Seller Here Seams to Be More Than Abusing Me ... As i had legitimate case in which i was awarded, i'm sorry if you didnt like that ... but i thought that's what buyer protection was about, as i was abused!!! not trying to abuse your stupid system, now your just trying to abuse me even further and you had better quite & you had better lift this so called ban of limitations now!!! AS PAYPALS JUST CRYING BECAUSE YOUR LOOSING & HAD TO RETURN MONEY ... BUT WERE IS YOUR COMPLAINTS DEPARTMENT BECAUSE THIS HAS BEEN THE WORST HANDLED CASE EVER & ITS NOT MY FAULT AT ALL THAT THESE PEOPLE ARE OUT THERE PREYING ON & SCAMMING OTHERS, NOW YOU CLAIM YOU HAVE BUYER PROTECTION, BUT THEN WHY IS IT THAT EVERY TIME I PUT IN A CLAIM ... I HAVE TO HERE SOMETHING LIKE THIS OR GET SOME THREAT FROM YOU ALL GET SOME LETTER, E-MAIL, OR END UP WITH MY ACCOUNT IN SOME KIND OF SUSPENSION ... OR AS YOU CALL IT, LIMITATION???? You Worry So Much About Your Sellers Rights & Getting Sued for This or That ... But the Way You Have Treated me Through this Whole Case & Now What You Have Just Done YOU OUGHT TO BE MORE WORRIED ABOUT GETTING SUED FOR THAT!!! thank you very much, most sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX PP XXXX .... Status??? Innocent!!! - Seller ... Guilty, So Why am I Punished for Using My Rights to Buyer Protection Claims??? It Is Not Excessive, All Were Against One Seller, This Seller & All Were Found in My Favor!!! And I Am Not the Only One, So if Anything Charges Should Be Brought Up Upon This Seller ... Not Me!!! Let the Sellers Track History Speak for Itself ... teespring_inc Feedback From When Negative feedback rating It sucks this sweatshirt is not what it seems bad quality? Buyer : 1***- ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation XX/XX/XXXX - Aged To Perfection Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Very bad communication. Won't buy from again. Buyer : c***b ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation XXXX Will Say Yes When XXXX Says No Gildan Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Unprofessional! Did not receive whole order. No communication. Buyer : z***e ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$21.00} View Item Negative feedback rating Unprofessional! Did not receive whole order. No communication. Buyer : z***e ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( # XXXX ) US {$21.00} View Item Negative feedback rating Wrong item. Unprofessional. Buyer : z***e ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$21.00} View Item Negative feedback rating No communication. Did not give me my full order. Sent the wrong item. Buyer : z***e ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$22.00} View Item Negative feedback rating You cant see the logo on the sweater and I have contacted seller twice no reply Buyer : n***u ( XXXX XXXX icon for feedback score in between 10 to 49 ) During past month Feedback conversation Shut Your XXXX Hole - XXXX XXXX Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Smells terrible and is completely blurry! I wasted my money on this item! Buyer : -***a ( 1 ) During past month Feedback conversation XXXX XXXX XXXX Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Doesn't look like picture, logo is really dark and grey, not white. Feels cheap Buyer : -***u ( XXXX star icon for feedback score in between 50 to 99 ) During past month Feedback conversation City Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) US {$33.00} View Item Negative feedback rating the printing does not cover the shirt and looks very faded. STAY AWAY FROM HERE Buyer : t***t ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation The Luxury XXXX XXXX XXXX XXXX XXXX Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Mug looks very cheap and small. Not what I expected for {$17.00} Buyer : c***h ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stethoscopes XXXX Nurse XXXX - Not All Angels Have XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) US {$16.00} View Item Negative feedback rating Quality not as shown Buyer : i***e ( 2 ) During past month Feedback conversation XXXX XXXX XXXX XXXX XXXX Tee T-Shirt ( # XXXX ) US {$22.00} View XXXX Negative feedback rating sh*tty quailty. tiny a $ $ logo thats printed on crooked thats already peeling Buyer : t***b ( XXXX ) During past month Feedback conversation Slumerican T, Tee, Slum Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Shirt printed on was terrible poor quality not like photos. seller didnt respond Buyer : a***d ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation I Am A XXXX Girl Women 's Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Poor communication, don't buy t-shirt is discolored, wide and short for size! Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Strong Resilient Indigenous Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating This product does not match the quality and description it entail. Looks cheap! Buyer : a***w ( 7 ) During past month Feedback conversation Hbcu - Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Gift ruined. Print on hoody XXXX match listed sale pic. Seller wont respond Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation XXXX XXXX XXXX XXXX XXXX Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating This said it was a Women 's size, but it is not a and it shaped and sized as mens Buyer : XXXX ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation Girls Just Wan na Have Fundamental Rights Feminist Women 's Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Bad quality, tried to contact, no response. I would stay away, wasted XXXX bucks Buyer : s***u ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stros Before XXXX - Stro 's XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Terrible quality shirt and faded transfer, avoid .... Buyer : s***u ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stros Before XXXX - Stro 's XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Dont buy bad Quality and never answers email want a refund not happy Buyer : c***c ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Bad Bunny Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating HORRIBLE SERVICE SENT WRONG SIZE SAID WILL SEND NEW ONE NEVER DID CHEAP SHIRT Buyer : p***i ( XXXX star icon for feedback score in between 1,000 to 4,999 ) During past month Feedback conversation Iron XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Ordered the shirt over one month ago and still have not received the shirt. Buyer : k***d ( XXXX XXXX icon for feedback score in between 50 to 99 ) During past month Feedback conversation Hard Times And Trouble Blues Music - XXXX & Troubles Never Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating XXXX XXXX de la XXXX es XXXX pague por gusto Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Scuba Diving Gildan Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating Item not true to size, usually wear size med ordered a large doesn't fit Buyer : o***x ( XXXX XXXX icon for feedback score in between XXXX00 to 499 ) During past month Feedback conversation Dont You Dare. - If Haven't Risked Coming Home Under Women 's Premium Tee T-Shirt ( # XXXX ) XXXX {$19.00} View Item Negative feedback rating WARNING SELLER MISLEADING BUYERS LISTINGS 100 % COTTON U GET XX/XX/XXXX BLEND WARNING Buyer : m***r ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation XXXX XXXX Division - On The XXXX XXXX Creates Screaming Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Seller will absolutely not communicate with XXXX XXXX : i***a ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Knights Templar Defending XXXX - Defensing XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Got the wrong size messaged the seller 2 times no reply. I need to return it Buyer : 8***8 ( 3 ) During past month Feedback conversation Best Nana Ever Top Cute XXXX Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Tho labeled dishwasher friendly, the paint is flaking. No response from seller. Buyer : i***_ ( XXXX XXXX icon for feedback score in between 50 to 99 ) During past month Feedback conversation Questions Gift Coffee Mug ( # XXXX ) US {$16.00} View Item Negative feedback rating no tracking Buyer : o***b ( 5 ) During past month Feedback conversation Bitcoin Price News Mining Wallet - B Gildan Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating 10 messages & no response! I will say these shirts are total cheap garbage! Buyer : XXXX ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation The Walking_dead Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating I initiated a return and have sent 3 more e-mails and no response! Buyer : XXXX ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Proud XXXX Mom Soldiers - Don't Brag But Their Moms Gildan Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Never Received item, No Communication - NOTHING AT ALL!!! Buyer : XXXX ( XXXX XXXX icon for feedback score in between 500 to 999 ) During past month Feedback conversation Unmasked Collage - Kiss Hanes Tagless Tee T-Shirt ( # XXXX ) XXXX {$18.00} View Item Negative feedback rating didn't receive my package the seller never got back to me Buyer : 9***l ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Race It, Break Fix Repeat - XXXX It XXXX Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating LIAR & THIEF! THERE WORD CAN'T BE TRUSTED! NO REFUND! No graphics on back! Buyer : a***k ( XXXX star icon for feedback score in between 50 to 99 ) During past month Feedback conversation B | ||||||
| 06/03/2018 | Yes |
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| Paypal had ny account broken into and my account was Compromise! So they shut my account down and kept my money.! What a scam fraud Company!!!Pl Date TypeNamePaymentGrossFeeNetBalanceActions First 30 transactions XX/XX/XXXX Transfer to Bank Account Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD ArchiveXX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD-$XXXX USD Archive XX/XX/XXXX Transfer to PayPal Completed -$XXXX USD$XXXX USD-$XXXX USD-$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer to Bank Account Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive 31 - 60 transactions XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from Sovereign Filing Solutions TR Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX - XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer to PayPal Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Cash Back Bonus from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX7 USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX-XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive 61 - 90 transactions XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase toXXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Reversal from XXXX XXXX XXXX XXXX. Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment froXXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive 91 - 120 transactions XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$4XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Cash Back Bonus from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment to XXXX XXXX XXXX XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase toXXXX XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX,XXXX XXXX,XXXX, Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX,XXXX XXXX,XXXX, Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX,XXXX XXXX,XXXX, Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive 121 - 150 transactions XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from Sovereign Filing Solutions TR Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX ,XXXX XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX, Canceled -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive 151 - 180 transactions XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Cash Back Bonus from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $0.00 USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX ,XXXX XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer to PayPal Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Refund from XXXX XXXX Completed XXXX GBP XXXX GBP XXXX GBP XXXX GBP Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Refund from XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive 181 - 210 transactions XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|NY Completed -$XXXX0 USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase toXXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card authorization from XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Expired -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card pin purchase to XXXX XXXX XXXX XXXX ,XXXX,XXXX,XXXX,US Completed -$XXXX USD $XXXX USD -$XXXX XXXXSD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $1,744.80 USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Purchase from XXXX XXXX Refunded -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $250.00 USD $XXXX USD Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Purchase from XXXX XXXX Refunded -XXXX GBP XXXX GBP -XXXX GBPXXXX GBP Archive XX/XX/XXXX Transfer from PayPal Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX - XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD $XXXX USD $XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX #XXXX|XXXX|XXXX Completed -$XXXX USD $XXXX USD -$XXXX USD $XXXX USD Archive 211 - 235 transactions XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX Completed $XXXX USD-$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit card credit received from PayPal Debit Card Completed $XXXX USD$XXXX USD$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX - XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Debit Card signature purchase to XXXX XXXX XXXX|XXXX|XXXX Completed -$XXXX USD$XXXX USD-$XXXX USD$XXXX USD Archive XX/XX/XXXX Payment from XXXX XXXX So | ||||||
| 05/17/2023 | Yes |
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| On XXXX I purchased a book from a vendor for {$1300.00}. It is a birthday gift for my nephew whose birthday is XXXX. The vendor was delayed in getting the book complete. On XX/XX/XXXX they said it was 75 % complete, so I waited. XX/XX/XXXX I emailed a request for an update on the book. After not hearing back for 8 days, I contacted XXXX to dispute the charge. They did and credited my account for the purchase amount. The vendor got right back to me, then and promised the book was almost done. By XX/XX/XXXX, I was convinced that the merchant was actually legitimate and are intending to send the book, so I canceled the dispute with XXXX XXXX emailed me a letter stating that the dispute is closed and said PayPal may take up to 24 hours to release the money to the merchant. XXXX communication from XXXX : XXXX Card XXXX Wed, XX/XX/XXXX, XXXX to me Discover Access My Account Account number ending in XXXX Dear XXXX XXXX XXXX At your request, we've closed our investigation of the transaction noted below on your XXXX card account. If a temporary credit was issued to your account during the investigation, please note it will be reversed. Case XXXX Merchant Name : PAYPAL XXXX Dispute Amount : {$1300.00} If you have any questions, you can call our 100 % U.S-based service team any time at XXXX ( XXXX ). As always, thank you for choosing XXXX. Sincerely, XXXX XXXX Customer Service It's been almost 2 months and PayPal will not release the money to the merchant. I've wasted at least a dozen hours on the phone with PayPal and XXXX trying to get them to work together. On 3 separate occasions I've gotten PP and XXXX into a conference call to try to resolve this issue. In a nutshell says they need confirmation from XXXX 's Chargeback team that the case is closed. XXXX 's stance is they closed it XXXX and sent me confirmation about that fact. PayPal says they can't accept the letter from me ( I DID email it to PP ), they need to get it directly from the " financial institution '', and XXXX says they can't send anything PP but only to me, the cardholder. XXXX communication, XXXX is the merchant : XXXX XXXX, PayPal and XXXX do not seem to be working well together. XXXX recommended I forward this email message to you that shows that XXXX closed the dispute last Monday. PayPal is telling me that XXXX hasn't released the funds to PP, but XXXX says they have. Here 's my chat with XXXX today ; they say PP may work with you, whereas they wont work with me as I am not the merchant : XXXX : I d '' efinitely understand the concern with Paypal not receiving funds back on their end. We have closed the case as of XX/XX/XXXX and have sent the funds back to the merchant. The reason that the merchant can see a delay is that we have to send the funds through a " middle man '' called merchant services. They process these closures and send them to the merchants for us. I would recommend providing the merchant with a copy of the letter we sent you showing the case is closed. Another option would be for the merchant to contact merchant services as they will only speak with the merchant in this situation. Is there anything else I can go over with you today? '' I actually contacted PP first and they are saying although they have now received electronic confirmation of the dispute being closed ( I emailed it to them ), now they are saying XXXX hasn't released the funds back to them. XXXX communication from the merchant trying to get help from PayPal : PayPal 's case id is XXXX and has a status of " Under Review ''. I don't really see what has to be reviewed. I disputed the charge and then canceled the dispute. I'm asking them to release the funds and PP says the case is " under review '' and being investigated. excerpt from XXXX communication : Hi XXXX How are you? I'm surprised things haven't moved forward because I had a pretty good conversation with PP and XXXX last Wednesday. I called PP to inquire where they were in " their investigation ''. The PP person said XXXX has not communicated with PP that the case was closed ... PP says XXXX says it's " pending ''. I told the PP person XXXX tells me they closed the case weeks ago and sent mean email to that effect ( which I had forwarded to PP ). I asked the PP person to stay on the phone while I dial XXXX in. The XXXX person asked if I had received a paper letter from them saying the case was closed. I said no, only an email. They said they would send it again ( I haven't received any letters from XXXX ). XXXX said I could send that to PP. PP said they can't accept proof from me, it has to be from XXXX. XXXX said they can't communicate directly with PP, only the cardholder. I just stayed silent as it is obvious that together they have created a system that is not functional. At that point the Customer Service person for XXXX said that XXXX XXXX could talk to PP and they transferred us to XXXX XXXX but it seemed they actually just transferred us to the basic XXXX number so we basically started at zero. This conversation took more than an hour. PP and I finally got through to XXXX XXXX, and there XXXX ( XXXXXXXX XXXX XXXX ) gave the PP person the correct email address and names of 2 people to contact to request proof of cancellation of the dispute. PP said she would and XXXX said they would email PP proof that the dispute is closed. I asked who has my money. I have been charged the entire amount. Does XXXX have it, does PP have it ... they didn't really answer, but I think it's clear that PP is holding on to it and will release it when they have proof from XXXX that the dispute is closed. I asked how fast it would be. PP said it would be within 24 hours... this is all I know at this point. so frustrating for all of us, I'm sure. Best, XXXX btw, I asked PP what happens if this doesn't get resolved... they said the money will go to the merchant. I said that is what I want! why don't we skip the " process '' and fast forward to the $ $ going to the merchant. PP said she couldn't do that. XXXX ( I reached out to XXXX again to get a status update ) XXXX XXXX, Oops! I got that transposed : can you please give me an update on when XXXX will send PayPal the notification that the dispute is closed so PayPal will release the funds to the merchant? The merchant has the item I purchased and is patiently awaiting payment for it... please let me know if there is anything I can do to expedite the process. I just got off the phone with PP ; they are saying the case is still showing as " pending '' from XXXX, rather than closed. XXXX XXXX emailed me confirmation that the case is closed, but PP will not accept anything from me : PP says it has to come directly from XXXX. Thank you, XXXX Here 's months of messages between me and PayPal trying to get this simple situation resolved : note that they're now saying 75 or 80 days (! ), not 75 days... Hi, I'm the PayPal Assistant. How can I help? Choose one of these options or add your question below. logo-paypal I'm still learning, so if I can't help you, you can leave a message for a customer support agent. XXXX XXXX - PayPal Assistant Dispute XXXX XXXX logo-paypal What would you like to do? XXXXXXXX XXXX- PayPal Assistant Check dispute status XXXX XXXX I see that you filed a case on XX/XX/XXXX. You filed it because you reported a suspicious transaction. logo-paypal Is this the one I can help you with? XXXX XXXX - PayPal Assistant Yes XXXXXXXX XXXX We are working with your financial institution to resolve this case. Please contact them directly if you want to cancel it or need more details. logo-paypal Is there anything else I can help you with today? XXXXXXXX XXXX- PayPal Assistant Yes, I need more help XXXXXXXX XXXX logo-paypal Let me know what you need help with. XXXXXXXX XXXX - PayPal Assistant I cancelled the dispute with my financial institution XXXX what else needs to happen for the merchant to received the funds XXXXXXXX XXXX I see that you filed a case on XX/XX/XXXX. You filed it because you reported a suspicious transaction. logo-paypal Is this the one you want to close? XXXX XXXX - PayPal Assistant yes XXXXXXXX XXXX The case can not be closed because a chargeback was already filed with the card issuer. If you need help, please reach out to the bank that issued your card. logo-paypal Is there anything else I can help you with today? XXXX XXXX - PayPal Assistant I closed it with my fin institution on XXXX they say it is now up to PayPal to pay the merchant. When will that happen? XXXXXXXX XXXX logo-paypal Are you contacting us about this topic : Payment Inquiry? XXXX XXXX - PayPal Assistant No XXXXXXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type " need more help ''. logo-paypal What's the difference between a dispute and a claim? How do I open a dispute with a seller? How do I close my dispute or claim? XXXX XXXX - PayPal Assistant I closed it with my fin institution on XXXX they say it is now up to PayPal to pay the merchant. When will that happen? XXXXXXXX XXXX logo-paypal Are you contacting us about this topic : Payment Inquiry? XXXXXXXX XXXX PayPal Assistant Yes XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type " need more help ''. logo-paypal Can I change the payment method for Pay Monthly payments? What payment methods can I use with PayPal? How can I accept payments? XXXX XXXX - PayPal Assistant human being please XXXXXXXX XXXX logo-paypal Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX - PayPal Assistant Yes XXXX XXXX logo-paypal If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX XXXX - PayPal Assistant I closed a dispute with my fin institution on XXXX they say it is now up to PayPal to pay the merchant. When will that happen? XXXXXXXX XXXX XXXX Hi XXXX! My name is XXXX. I appreciate your patience while I review your account. Please do not disconnect/ end the message and Ill respond to you shortly. XXXX XXXX - Rajib thank you XXXXXXXX XXXX XXXX XXXX, I understand your concern regarding the chargeback for the amount of {$1300.00} USD. I have personally reviewed the case and I see that the case is still under review. I am not denying that you have already closed the case with your financial institution but on background they would still process some information and then inform PayPal. As soon as XXXX cancels the case with PayPal, the case would be closed automatically. PayPal do not have to take any action then as well. Please be advised that once a chargeback is filed with financial institution, PayPal looses all it's power to take action on the case. XXXX XXXX - XXXX who is XXXX? oh. you mean XXXX XXXX XXXX XXXX That's correct, XXXX. Your financial institution. XXXX XXXX - XXXX XXXX says they are done and wont be doing any further actions bc the case was closed XXXX. XXXXXXXX XXXX XXXX A chargeback case can take up to 75 days to get completed depending on the financial institution. XXXX XXXX - XXXX yes, I understand, but they aren't going to do anything at that 75 day mark. they say the ball is in your court. you say the ball is in theirs. I don't have my book and I'm wondering what to do.. XXXXXXXX XXXX XXXX As I mentioned that they might have closed the case with you but they still process some information on the backgroung and then inform sends information to PayPal as case closed. Until the information is passed on to PayPal, PayPal does not have permission to cancel the case. XXXX XXXX- XXXX XXXX says they are not going to do any more informing to PP, so I am truly confused about how this process is going to resolve XXXXXXXX XXXX XXXX I do apologize for the unpleasant experience with the case. If the dispute was filed with PayPal, we would have canceled it by now. I contacted our backend team and I was informed that your financial institution has not responded to us with the further details regarding this chargeback case. Rest assured, I have further escalated this issue to our backend team to have a closer look on this case as it's closed by the financial institution and to get further details from them. XXXX XXXX - XXXX XXXX XXXX, in addition to that, could you please get in touch with the financial institution and ask them to respond back to us stating the case is closed on their end and to refund the recipient, so that PayPal can also close the case and help you further with this issue. I understand this is a tedious process however, I truly appreciate your patience. XXXX XXXX - XXXX I have done that twice. In fact 2 times I've gotten PP and XXXX on a joint phone call .. with XXXX saying they will only communicate with me, and PP saying they can't act until XXXX communicates with them ... it's a nest of a problem with no resolution on the horizon as far as I can see... XXXXXXXX XXXX XXXX Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX XXXX XXXX I completely understand how frustrating this can be for you. We wish we could help you to close the case but my apology. Until PayPal is informed by the financial institutions via the chargeback case that it's closed from their end, we have no option to to close it. XXXXXXXX XXXX - XXXX XXXX Once the case is closed, you will be notified via email. XXXXXXXX XXXX - XXXX XXXX Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX - XXXX when will we be at that 75-day mark? XXXXXXXX XXXX XXXX XXXX, I understand your situation. However, when the transaction was disputed with the financial institution, we were notified by them to keep the transaction on hold. PayPal is just the payment processor, is not able to step into the dispute and decide. That process isstrictly regulated, because we are not the ones who the dispute was opened through. Again, with that being said, financial institutions could take up to 75 days to resolve this issue. I know that is a very frustrating timeframe, but it isnt something that we would be able to work around unfortunately. Currently, we have not received any notification regarding the closure of the case, and it is mandatory for us to have a confirmation from the financial institution regarding the same. The decision of the investigating officer in the financial institution plays a major role in this case. Once we receive the notifiacation, we will be releasing the hold accordingly and you will be notified via an email regarding the proceedings of the case. I appreciate your patience and understanding in this matter. If you have no further queries, you may close the conversation by selecting End Message. XXXX XXXX XXXX XXXX XXXX, I notice that PP says " financial institution '' rather than XXXX. Is PP waiting for proof of closure of the dispute from XXXX? Or is PP waiting for proof of closure of the dispute from another 'financial institution '? XXXXXXXX XXXX XXXX XXXXXXXX, PayPal is waiting for the proof of closure of the dispute from XXXX to whom you have filed he dispute case. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX XXXX XXXX Your file has been uploaded. XXXX - Dispu ... XXXX XXXX XXXX XXXXXXXX says they closed the case and sent PayPal a notification to that effect. I've attached the letter from XXXX stating that the dispute was closed XXXX. They say they are done and are doing nothing further with this case as it is closed. XXXXXXXX XXXX Your file has been uploaded. XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, I just sent you a reply with an attachment... did you receive it? hello? XXXXXXXX XXXX XXXX I'm transferring you to the Investigations and Regulatory department that handles this and they'll review and respond as soon as they can. The response may not be immediate so we'll notify you when they reply. Please do not end or disconnect the message. XXXX XXXX - XXXX XXXX XXXX XXXX. Thank you for your patience and information. I truly understand your trying to get this resolved. It can take 75 to 80 for us to receive a response from the card issuer. I know you shared the details but we have to receive it from them. This process takes a long time and I agree it shouldn't but nothing that can done right now on our side. Once the time passes we will know what decision was made and move forward with this chargeback. Thank you for contacting PayPal and for being a valued customer. You may close the conversation by selecting End Message. XXXX XXXX - XXXX XXXX XXXX, here 's the problem. PP says they are waiting to hear from XXXX and XXXX says they are done communicating on this issue as the dispute is closed. I don't see this ever getting resolved. How do you see it getting resolved? XXXXXXXX XXXX XXXXXXXX Thank you for your response. I completely understand your frustrations and concerns. I do apologize as I still show your claim is being reviewed. It can take anywhere from 75-80 days for a chargeback to fully be resolved within our system. Once this has been closed we will send you and the merchant a confirmation email. In summary : PayPal has had my {$1400.00} for 2 months. My book seller may at any point sell the book I ordered to someone else. My XXXX XXXX XXXX nephew 's birthday present is 4 months late and counting, and I don't have any confidence that at the 75-day mark ( XX/XX/XXXX ) that anything is going to happen. I read on a PP consumers forum that another victim of the same scam had PP say ( at the 75-day mark ) that now it's a 180-day process ... ridiculous. I did ask PP if I could just pay the merchant directly to at least get the book and the PP person said, " yes, you can. then you will be paying double for the book. '' I desperately need help to get this resolved. Can you help me? Thank you, XXXX XXXX | ||||||
| 05/29/2018 | Yes |
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Web | Older American |
| This complaint is meant to achieve two separate goals : A. Refund to me of out of pocket losses, and B. To demonstrate that Online buyers require more protection from Paypal than what the company is offering at the present time. This complaint is about Paypal The main problem : Paypal claims and advertises that it offers its clients security for their Online purchases. As it stands at the present time, this promise does not cover the most important part of Online purchasing, that of facilitating the return of undesired items at no additional cost to the buyer. The company does not advertise that its assurances for the buyer actually do not cover cost of returns. The impact of this exclusion on the buyer and on the entire Online commerce can be damaging. In my case, due to an unsound process of my claim by Paypal, I sustained monetary damages and also time loss and frustrations. In addition to the above, Paypal does not offer a vehicle to appeal what appears to be an arbitrary decision made by the Resolution Centre. At the present time, one can appeal only to the Resolution Centre itself where the unaccepted decision was made. Paypal does not provide for the means to contact senior management that could resolve customers ' disputes against the Resolution Centre, neither an Ombuds person who could assist clients with their grievances. Details of the case : 1. On XX/XX/XXXX I ordered a pair of shoes Online from a seller, in XXXX, under the name of XXXX, for the cost of $ 120+ {$22.00} shipment = {$140.00}. 2. On XX/XX/XXXX, I received an Email from the seller with shipment and tracking no. with XXXX and the expected day of delivery to be onXX/XX/XXXX. XXXX. Due to an error, XXXX delivered the parcel on the XXXX day of the month and later decided to refund the seller with {$22.00}, the cost of shipment. 4. The seller credited my account with Paypal for the said refund of {$22.00}. 5. Erroneously I complained to Paypal that I expected two pairs of shoes but soon after I realized my mistake ( I mixed up two sellers ) I apologized to both the seller and Paypal. 6. Paypal closed the case on XX/XX/XXXX. 7. A couple of days later, I tried on the shoes and found them unsuitable 8. I wrote to the seller ( XXXX ) about the unsuitability of the shoes, he apologized and offered me to return the shoes for a later refund. 9. I called XXXX and found out that the cost of shipping the shoes back to the seller in XXXX was to be {$160.00}. 10. I informed the seller with this cost of shipping and demanded a prepaid return label and the seller refused to send me the requested label but advised me to ship the parcel for a lesser cost. 11. The Post Office demanded {$110.00} for shipping the said item to XXXX. 12. On XX/XX/XXXX I telephoned Paypal and spoke with an agent who decided to reopen the closed case. 13. On XX/XX/XXXX, I left town for two weeks and returned XX/XX/XXXX. 14. On XX/XX/XXXX I found three emails from Paypal dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, requesting tracking info as evidence that I had returned the shoes to the seller, and another on XX/XX/XXXX informing me that the case was closed. 15. The same day, I telephoned Paypal and spoke with a lady by the name of XXXX ( XXXX ). I explained the absurdity of Paypal 's request for Tracking info. Here I am asking Paypal to assist me towards achieving a prepaid return label from the seller to avoid paying the cost of shipping the shoes back, but Paypal requests of me a proof that I had already shipped the shoes back. How on earth could I meet Paypal 's demand for tracking info when at the same time I was asking Paypal to enquire with the seller re. a prepaid return label? I must assume that my complaint was not properly read by Paypal. XXXX was a good listener and she clearly understood the issue. She also told me that probably Paypal would refund me the cost of the shoes. 16. XX/XX/XXXX, I received an email saying that Paypal had closed the case. 17. XX/XX/XXXX, I wrote a letter to Paypal, explaining that my case was never read and none of its content was addressed by the company in any of its emails. Therefore what the company closed was not related to my complaint. Also, had they studied my complaint, Paypal would not have a reason to request tracking info in the first place. I asked them to reopen the case or in the alternative refund me the cost of the shoes. I added that without the service of Paypal, which advertises their buyers ' protection, I would not have bought the shoes from a seller I had never known before especially not from XXXX where I have no recourse over the seller. 18. I received an email from Paypal saying that due to the fact that I didn't answer their requests for tracking info on time, Paypal had decided for the seller and the case is closed.. 19. I decided to appeal this unreasonable decision to a higher authority within the company, but found out that only the front tel. office is available to the public. I asked for a name, tel. no. or Email address of any of directors, VP, even the president but I could not penetrate the high wall that surrounds the executive Management. I XXXX asking how to reach Paypal management, received the entire roll of names of officers with their phone numbers, but later discovered that all those phones were either changed or cancelled. 20. Paypal 's management hides behind closed doors. 21. Now I possess shoes that I can not use and sustained out of pocket loss of {$120.00} all this was for the reason of lack of attention on the part of the Resolution Centre. 22. Today I called Paypal to ask them the name of the person who wrote me on behalf of the Resolution Center. The lady ( XXXX ) who spoke to me on the phone asked me several questions about my complaint and decded to reopen the case, eventhough I did not ask her to do so. XXXX also mentioned that as a policy Paypal sometimes affords the buyer with up to {$30.00} refund to offset shipping cost. Later I received another rejection based on the same reason of not supplying tracking info. for the return of the shoes. 23. This complaint is addressed to CFPB as my last resort. My case has made clear that the public who use Paypal services for Online shopping is vulnerable to losses. I believe that the Online commerce can be effective only if the buyer 's purchase from an unseen and unknown seller is insured against losses that generated from having to spend unnecessary funds in case of returns.. Such insurance is required in cases when the buyer decides that the item he/she paid for is not in accordance with their expectations and would want to be reimbursed but the seller refuses to pay for the cost of shipping the item back No buyer would want to pay money to acquire an item with the suspicion that the item might be under " final sale '' terms. Paypal assists buyers to have the seller agree to accept back unwanted items, but at what cost? Based on my case, when I bought an item for {$120.00} + {$22.00} shipping, would I want to pay an extra {$160.00} to ship it back? What if the seller had the advanced knowledge about the cost of shipping the item back? That seller would have the opportunity of selling items of lesser quality, betting on that the probability of receiving them back is low. Paypal should protect buyers from such eventualities. Paypal is at fault not to warn buyers, in clear language and large letters, about that it, Paypal, is not responsible in cases when sellers refuse to pay for the cost of returns, along with an example ( like that in my case. ) Luckily, most Online merchants do provide with prepaid return labels, otherwise an Online market would not be possible. It is the bad apples from whom Paypal must protect the buyers. Paypal could impose a condition on sellers to provide buyers with prepaid return labels. Those who would be reluctant to do so, probably, are the kind who corrupt otherwise an honest Online market. Sellers who use the services of Paypal, must be bona fide merchants. This is why buyers are prepared to buy from them. Paypal must choose either to clearly warn the buyer that it doesn't guarantee a cost free returns, refund buyers with the cost of shipping back ( or at least promise a refund of the shipping cost for shipped back items ) or better not deal with merchants who refuse to pay for the cost of returns. XXXX Paypal is also missing out on a real opportunity : that is of advertising that through Paypal, all legitimate reurns will be guaranteed by Paypal at no cost to the buyer. It would be reasonable to expect that under these conditions ( that sellers must provide buyers with prepaid return labels ) merchants would take an extra step to ensure the correctness of the items they ship and the result is a win-win for all concerned. This mail from Paypal was their response to my phone call to open a dispute. Attachments : From : PayPal Customer Service Mark as unread Print Delete Re : Resolution for case id : XXXX XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX, Thank you for contacting PayPal. On XX/XX/XXXX, we contacted you to return the merchandise in question to the seller and to provide us with online tracking within 10 days. We also sent email reminders on XX/XX/XXXX and XX/XX/XXXX. Unfortunately, this claim was closed on XX/XX/XXXX because we never received a response from you. We can not accept your appeal of this claim, as you did not provide valid tracking for the returned item within the required time frame. I realise that this isn't the outcome you'd have wished for, but I hope you understand why we made this decision. While I can not change this, I will make sure your objection is duly recorded. Thank you for your cooperation. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX Protection Services Department PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My reply to Paypals rejections letter of XX/XX/XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXXXXXX XXXX Sirs, I am truly astonished with your latest email. Nothing like this I could expect out of a respectable organization like Paypal. Invariably, you skipped reading my complaint and rather dealt with a side issue that is absurd per se. Your demand of me to supply you with tracking info for my return of the bought item is a clear indication that you either don't understand my claim, haven't read it or purposely are ignoring it. I explain again : Tracking info is a proof of having returned the item. My complaint was and is that I wouldn't return the item due to the high cost of shipping it back to the seller ( cost of shipping back is just about the cost of the item ). This is why I think that asking me for tracking info is out of the reality of this claim and this demand of yours should never have been sent to me in the first place. Moreover, I don't have a business where an employee is present at all time to answer your mail within 72 hours, the way you do with the merchants. I am an individual and may be away when you send your email and therefore I should not be penalized for a delayed response on my part. But as far as this claim is concerned, had you studied it prior to sending me your demand for tracking info, in all probability you wouldn't have done so. Originally I discussed this issue with the Paypal 's rep and the original case was reopened, based solely on my demand for a prepaid return label, the way it is common within the Online markets. This claim, as it appears, was never examined neither given any consideration by the Resolution Center, and deciding for the seller was an arbitrary decision, not based on the subject matter. I must add that the process of this case by Paypal can be source of embarrassment for the Center should it reach higher management of Paypal. I don't accept your arbitrary decision. I urge you to read all my correspondence, consult the notes of the phone reps and I hope that subsequently you agree to reconsider my claim. With all due respect, Sincerely From : PayPal Customer Service Re : Resolution for case id : XXXX XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX, Thank you for contacting PayPal. I realise that this isn't the outcome you'd have wished for, but I hope you understand why we made this decision. While I can not change this, I will make sure your objection is duly recorded. We have now closed this case in your seller 's favor as we didn't receive return tracking information from you within the specified timeframe. We encourage you to work directly with your seller to reach an amicable resolution. Thank you for your patience and cooperation. Please let me know if you need further assistance. Sincerely, XXXX XXXX PayPal Paypals demand for additional info On Wednesday, XX/XX/XXXX, XXXXXXXX XXXX CDT, XXXX XXXX wrote : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We Need to Hear from You within 3 Days -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX XXXX , We are currently investigating your claim : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : - {$140.00} USD Invoice ID XXXX XXXX Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX To complete our investigation, we need some additional details from you : Please respond to this email within 3 days to let us know If you received a refund or the item, or you reached some other settlement with the seller. If we dont hear from you within this timeframe, we may close this claim. Thank you for your patience and cooperation. Sincerely, PayPal My reply to Paypals asking if I had any compensation from the seller XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Thank you for your e-mail. The only partial refund I received was actually from XXXX. They brought the shoes after eight days delay. Since I didn't engage XXXX neither did I pay them directly, XXXX sent the refund to the seller and the seller credited my account at Paypal. The seller was merely a conduit, intermediary for passing on the refund to me. The seller had offered me a refund for the returned shoes, and since the shoes have not been yet returned I received no compensation from the seller. As a subsequent to the seller 's refusal of sending me a pre-paid return label, our communications came to end. No promises given or received. XXXX Paypal 's final decision was posted on their Resolution Centre 's communication page. Later it was removed from the page. Their reply was a repeat of their other decisions, excusing their rejection of my appeal to be my not repling on time to their demand for proof of return. PAYPAL PROMISE FOR PROTECTION OFFERED TO BUYERS " Protection you can count on If you don't receive the item that you ordered, or it shows up significantly different from its description, you may qualify for Purchase Protection, and we'll reimburse you for the full purchase price plus any original shipping costs, subject to terms and limitations. If you are charged for a transaction that you didn't make, let us know within 60 days, and we've got you covered. '' Note 'original shipping cost ', no mention of shipping cost to return the unwanted item. Under the above promise it would be easy to assume that buyers are fully protected by Paypal. An exclusion clause written in clear-to-notice and read manner is missing. Note : I am consenting for CFPB to publish this description on consumerfinance.gov but should Paypal accede to the proposed changes, this consent becomes nullified. ================================================= | ||||||
| 09/19/2023 | Yes |
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Web | |
| Details of the Experience : Starting sometime around 2023, whenever I logged in to access my Paypal account online through a web browser, after entering and verifying my credentials, I would be blocked from progressing to my actual account management by a " Add your phone number '' screen. This " add phone number '' page had been popping up prior to 2023, but previously there was always a small " skip '' option provided ; whereas now there is no way to progress without entering a phone number. This means I can not access my account at all unless I give Paypal a phone number. I have had this account for many years, possibly a decade or more, so long that I can not remember even the number of years, and in all that time I have always made use of Paypal 's services through a web browser without the need for a phone number, nor do I have any desire to provide XXXX to this company. Yet now they are forcibly and illegally violating my rights and the rights of " hundreds of customers '' ( in its own representative supervisor 's words ) by blocking access to their customer 's accounts unless a phone number is entered. In addition, knowing that this is illegal, they are lying about this when being asked by their customers. Without the means to access to my account, I am blocked from everything including online customer support. The only recourse Paypal left to me was the XXXX hidden on their website, through which I contacted them. My first call and second calls were disconnected halfway after an automated answering service picked up, before I could even talk to an agent. On my XXXX call, the very first thing the automated service demanded is " the last XXXX digits of your social security number ''. I want to make it clear that I have never provided my social security number to Paypal, and due to security and privacy concerns, wished to provide this to them EVEN LESS than my phone number. However, just like the " add phone number '' page was illegally blocking total access to my account, this " XXXX digit SS # '' demand by the answering system was illegally blocking total access to customer service. It is literally the first thing that the automated system demanded when the call finally went through, and I was offered no option to bypass or speak with a representative. Since the XXXX number was the last and ONLY option left to me to even contact Paypal after my access to my account was blocked by the " add phone number '' page, I was forced to capitulate and provide the last XXXX digits of my SS #. Then and only then was I asked for other information to identify my account, including the last XXXX digits of a credit card that I had used or is using with Paypal on my account. After providing both my bank account and credit card number that I had on file with Paypal, I was abruptly forwarded to a representative, " XXXX ''. When I explained that I was blocked from accessing my account by the " add phone number '' page, and very clearly stated that I do NOT wish to give Paypal my number, she tried to stonewall me by saying, there is nothing she can do to remove the page block because " that's the system ''. When I stated that without access to my account, I can not do anything, not even close the account, she tells me that she can close the account for me over the phone. I reiterated I would need to manage my account first to arrange payments before I can close it, she finally said she'll check my account and see if there's anything else she can do, then mentions that there is a " security check '' placed on my account. She informs me that I need to answer some questions with " publicly available information '' to bypass it. Due to past experience, the ambiguous wording of her " security check '' misled me to think that she was asking the questions to verify that my caller identity as the actual account holder. Naturally I raised the question of why the previously provided bank account and credit card numbers were not enough to identify me as the account holder, and she merely brushed the question aside by stating that's how the system is setup and I would need to answer the questions or there is no other way. When I pointed out the security risk and sheer inanity of using " publicly avaiable information '' as a way of verifying account holder identity, she again used " the system '' excuse and reiterated she will not provide an alternative. Thus I was misled into thinking that I needed to answer these questions in order for her to check my account and be able to provide service to me at all. Thinking I had no choice, and under the false impression that I was merely verifying my identity as the account holder, I again was forced to capitulate and proceed with the questions. She the started to ask me a series of questions, though really it was all along the lines of " which of the following information is associated with you ''? Each time I was given a group of answers and asked to choose the one, if any that had any association with me. The first and second group consisted of street addresses, then there was a question of a person with a name I didn't recognize, and information presumably related to them. After XXXX of these groups, in which over half of the information I did not associate with me, the representative informed me that I had failed the security check and she still could not remove the phone number requirement for my account. When it was obvious I wasn't going to give up easily, " XXXX '' stated she will forward me to a supervisor who might be able to help me with this. After more waiting, I was forwarded to a supervisor who provided his name as " XXXX '', ID # : XXXX. It was obvious I wasn't the first person who had called in about this issue, and he was used to dealing with it. Immediately and without my prompting, he stated that he was aware I was calling about my inability to access my account without providing a phone number and " yes, I know this is a discrimination against handicapped people and against people who can not afford phones ''. And indeed, Paypal 's practice of forcing phone numbers and blocking account access was also violating the rights of said people, in addition to my privacy violation. It's clear someone else already informed him of those things, and he and Paypal is well aware of the violations, yet is purposefully carrying on with the practice. When I informed him of the additional privacy violation, he immediately agrees to that as well, and then proceeded with lying straight to my face, by telling me that the " add phone number '' page blocking account access is actually a " technical error '' that they " don't know how it happened ''. He admits that it's " been going on for months '' ( consistent with my personal experiences ), and when I questioned why it took months to fix a simple " error '', he perpetuates the bald-faced, flimsy lie by stating " Do you know how many customers we have? We have XXXX of customers, it will take a long time to fix this ''. I was temporarily speechless, stunned into silence while deliberating which I should point out first : his sheer lack of intelligence that made him think that I would believe such a poor lie, or his sheer lack of respect in repeatedly, flat out lying to my face. He wants me to believe that Paypal unintentionally removed the " skip '' button on the " add phone number '' page that forcibly blocks customers ' access to their accounts and it would took literal " months '' and they still haven't fixed it for everyone affected because Paypal has " XXXX of customers ''? Never mind the fact that it takes a mere second to add or remove XXXX line of code, all of this is in direct contradiction to what " XXXX '' the representative before him just stated to me. Before I could do either however, he attempts to mollify me by saying that because I have now contacted them about this, he will now " elevate my account to the front of the line with the technical team '', so the issue should be fixed for me within " XXXX hours ''. When I verified with him that this means I would be able to access my account without providing a phone number after XXXX hours, he then changed tune and said, " well XXXX hours *at least*, give it a week. '' Then he told me to call them again if it's not fixed. It has now been well over a month since that phone call. I have checked after XXXX hours, after a week, after XXXX weeks, and today. Nothing has changed. The same " add your phone number '' page still pops up in the exact same place after verifying my login credentials, and there is still no way to bypass it without entering a phone number that they will accept. I should state that I have actually tried to enter a phone number, the same phone number that I called Paypal with that day, which was my secondary phone number when I didn't wish to give out my primary, and Paypal 's system will not accept it. I informed the representative " XXXX '' about it at the time, and her only response was a mere " mmmmh ''. Before I ended the call with supervisor " XXXX '' that day, after he promised the " XXXX hours '' resolution to the " add phone number '' issue, I had also raised the issue with the phishing questions that were asked to me by the previous representative. At the time I had still believed that the questions were meant to confirm my identity as the account holder, and so I only pointed out the illogical and dangerous problem with using " publicly available information '' to confirm account holder identities. I asked why it wasn't enough that Paypal already had my bank account and credit card numbers and that I had already provided those when the system wanted them to verify my account holder status. And like " XXXX '', " XXXX '' obfuscated the issue and did nothing to clarify the misconception -- -that none of the information used in the so called " security check '' questions were really needed or used for verifying my account holder status, and he ultimately did nothing to clarify their true purpose to the customer. It was only after the call, I belatedly realized how deeply suspicious and illegal these questions were, that it was all a phishing scheme to pinpoint my personal identity, far beyond what I had already provided to Paypal and beyond what was necessary to provide their services, with information that I never provided and could not even be reliably attributed to me. I do not know the true illicit purpose of these privacy violating phishing schemes and information extortions that Paypal has going on, but I do know that it is deeply illegal and I am very angry. Summary of Violations I am writing to report the egregious violations by the company providing the virtual wallet payment service known as Paypal, primarily consisting of XXXX issues : XXXX. Illegally extorting and extracting personal information and violating privacy rights and financial rights by blocking customers ' access to their accounts unless a phone number is given to Paypal. XXXX. Denying any access to even reach a customer sesrvice representative or contact the company about account issues unless the last XXXX digits of their Social Security number is provided. XXXX. Using misinformation and outright deception to get the customer to answer phishing questions regarding personally identifying information that XXXX or XXXX not be theirs, and misrepresenting this as a means to " pass security check '' to allow access to their accounts. The personal information used in the questions was never willingly provided by the customer, and likely obtained through the aforementioned Social Security number and background checks. It is information that they can not even be sure is accurately associated with the customer they are asking, hence the phishing. By their own words, they are using " publicly available information '' in the questions. The exact purpose of these questions was never accurately explained to me by Paypal 's customer service representatives, instead they simply used vague and misleading words like " to pass the security check '' and states that this is the only way to return access to my account without obtaining my phone number. Meanwhile, the entire time I thought the rep was asking the questions to verify that I was the account holder. Even though I repeatedly pointed out the sheer illogic and security risk of using " publicly available information '' to verify if a caller was the account holder, especially since the information in said questions was never provided to Paypal as the customer in the first place, all the representatives merely continued to stonewall and offer no reasonable explanation or alternative. # # Note to CFPB # # Please do NOT provide the phone number I have given CFPB to Paypal as it is my primary phone number and would defeat the entire original purpose of this complaint. | ||||||
| 09/01/2021 | Yes |
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| I have been a PAYPAL Holdings INC member for 9 years and theyve processed over {$1.00} XXXX in payments for me. On XX/XX/XXXX I received an email stating that I can no longer use PayPal. I immediately called PAYPAL on XX/XX/XXXX to find out why I was suspended and they would not give me any specific answers. Just stating restricted items. I spent about six hours on the phone trying to figure out why I was suspended with PayPal giving me no answers and refusing to reinstate my account. They told me the decision is final and I can not appeal. Since I was pretty sure I did not violate PAYPALs acceptable use policy and I know PAYPALs history of wrongfully suspending people I decided to file a complaint with the XXXX XXXX XXXX. I received specific answers through the XXXX from PAYPAL stating that there were several risk factors associated with my account. Upon reading the risk factors PAYPAL claimed as to why I was suspended I did not recognize any of the information. I will provide the information below however based on the information I received through the XXXX XXXX XXXX I assumed that someone had potentially created a PayPal account in my name. I called PAYPAL upon receiving the information from the XXXX XXXX XXXX report and XXXX with PAYPAL created a ticket ID XXXX to have my account reinstated. PAYPAL made claims that I received {$2600.00} in friends and family payments and I knew that was incorrect when I called them they confirmed to me that I receive XXXX dollars USD on my PayPal account. PAYPAL also claimed that I had one or more accounts that were associated with my information and that it had limited access. I explained to PAYPAL that I only have one account this one that I created XXXX years ago. After waiting 10 days I received an email simply stating that my account would remain suspended forever. After spending literally hours on the phone with PAYPAL they would not tell me where they were getting this information from they would not tell me why I was still being suspended if they could not prove this information was correct. I explained to PAYPAL that I did not recognize the information I did not do any of it therefore I did not violate PAYPALs acceptable use policy and explained that my account should not be suspended if I did not violate any policies. PAYPAL even went as far as to tell me that if someone stole my information and created another account and did something that I had no knowledge of it would not matter they would still keep my account suspended and that the decision was final. The truth is that PAYPAL has been wrongfully suspending people for years maybe the entire time theyve been in business. Based on what it looks like on my end it appears that PAYPAL made up information to suspend my account because they can not verify that any of the information that they provided is accurate or true or that it even happened. Here is my response to the XXXX case I have not heard back from PAYPAL at this time. The consumer indicated he/she DID NOT accept the response from the business. ) Hi XXXX I'm sorry I can not accept this as a resolution for the reasons outlined below. I have been in contact with PayPal via phone and explain the situation. XXXX was very helpful and opened a ticket for me which at this time is still in review. The ticked id # is XXXX. Based on the limited information provided it appears someone created an account with my info sent money around and possibly sold a restricted item. I see that you have reached out to our customer support team via call from XX/XX/XXXX until XX/XX/2021 where you asked for detailed explanation on account limitation and funds being held however, teammates provided only basic information on limitation due to proprietary reason. Below is the detailed explanation. The first thing I noticed is I did not receive an email from PayPal about my account suspension until the XXXX of XXXX. Above it states I was in contact starting XX/XX/XXXX which I wasn't. I immediately called PayPal on the XXXX which records will show from my registered phone number. A recent review of your PayPal account shows that onXXXX XXXX, XXXX, PayPal placed limitationXXXXXXXX on your account as we found there may be excessive risk involved in doing business with you, following risk factors were identified : - Multiple accounts with limited access - Based on a review of your account, we show that you are associated to one or more PayPal accounts which currently have limited access and we can confirm that the accounts share the following information : financials, phone number, email address and address. I do not have any other PayPal accounts nor have I created ANY PayPal accounts since this one XXXX years ago. Prior to that I had a personal PayPal account which I stopped using once I opened this business account. I don't see how it's possible to share the same email for separate PayPal accounts and the financial info is also very concerning. I have not seen any transactions come through my bank out of the ordinary and I confirmed with my bank there have been no breaches. Your account has received an excessive amount of personal payments sent as Friends/Family. In the past you received XXXX payments from XXXX XXXX XXXX XXXX totaling {$2600.00} USD. These payments pose a higher risk of reversal due to chargebacks or ACH returns and are not eligible for Seller Protection. I use my PayPal account to take payments for my business and although I sometimes send money to friends and family I knew this amount was incorrect. I confirmed with the agent XXXX that I had only made a single {$40.00} payment as friends and family not received {$2600.00} as stated above so this information was very alarming. I received {$0.00} USD in friends and family payments which PayPal confirmed. I explained everything to XXXX on my call on XX/XX/XXXX. I told him I do not have any other accounts nor have I created any accounts since opening this one XXXX years ago. I told him that I definitely did not send {$2600.00} in friends and family payments and he confirmed I paid only one {$40.00} payment and took in website payments. XXXX took my complaint seriously and created a ticket. He said if you didn't do anything wrong we had no reason to suspend you to which I agreed. The fact is that I have absolutely no knowledge of the provided information and I know for a fact I did not create any other accounts or send that amount in friends and family which makes PayPal account reflects. After thinking about it I asked myself why would I need to create an additional PayPal account to transfer money around when I already have a PayPal account and can use many other means to send funds if needed. It would literally make no sense for me to even take the time to create an additional PayPal account. So even though you said I can not appeal etc in light of this new and disturbing information I request that you look into this situation immediately so we can get to the bottom of this. Not only do I need to get my account reinstated since I have done nothing wrong but also I need to know that my bank account info etc is safe and not compromised. I had told PayPal agents are over and over again that I did not violate the acceptance use policy since I knew I didn't. Then when I received this info I knew I was correct and contacted PayPal immediately. They are currently looking into this situation and I am expecting that my account will be reinstated since I did not do anything mentioned in this report or violate the acceptable use policy. If there was a restricted item sold it was not on my account it was on the account someone created in my name. So what we have here is a case of identity theft. I think you would agree with me that it would not be fair to suspend me because someone stole my identity and created a PayPal account. If that is what happened. I am here to work with PayPal and I am willing to provide any necessary documentation or information to get my account reinstated. I am also willing to cooperate with any potential investigation. I know for a fact I did not create any PayPal accounts, receive {$2600.00} in friends and family, or sell any restricted items. Therefore I did not violate the acceptable use policy. I take payments for gold and silver, send and pay invoices etc with my PayPal account. I very rarely send money as friends and family. Therefore if I have done nothing wrong I should not be suspended. This has already disrupted my business and taken a mental toll on me. I have spent hours and hours on the phone with PayPal because I know for a fact I am completely innocent of ANY wrongdoing. Therefore I can not accept being suspended from PayPal for the rest of my life. I shouldn't be suspended now and I don't understand why ips, devices, etc etc were not checked before suspending me. I can guarantee there were no accounts created on my ip or any of my devices. I did not create any PayPal accounts on any other devices nor did I instruct anyone to create a PayPal account or accounts with my info. I am hoping that by the time you receive this my account has been re-evaluated and reinstated. I will also remind you that a full security check was done on my account in XXXX. I had to send in documents and everything checked out fine as it should have been. I am responding to this case to shed some light on the situation and because I only have 10 days. I have had a great relationship with PayPal and once this situation is fixed I hope to continue having a good business relationship moving forward. Again I have done nothing wrong therefore I should not be suspended. I have emailed you at the email provided but at this time have not received a response. Please look into this situation if necessary as I said PayPal is reviewing all of this information currently in order to move forward with reinstating my PayPal account. I look forward to your response and working with PayPal again. If you need any additional information please let me know. Kind Regards XXXX I believe PAYPAL made all of this information up just to give them a reason to suspend me because I have no knowledge of any of it. They would not tell me where they were getting the {$2600.00} from that I supposedly received and they confirmed that I did not have any other accounts in my name. I know I didnt sell any restricted items because all I do is sell precious metals and I did not sell anything out of the ordinary. There have been a lot of people recently showing up in online forums etc. that have been also wrongfully and from PAYPAL. If people violate PayPals acceptable use policy then I guess it is OK for PAYPAL to suspend them. However if PAYPAL is literally making up things to suspend people like they did with me I think you would agree that this kind of business practice has no place in the financial sector. This has hurt my sales on my website taking hours and hours of my time caused a tremendous amount of stress on me and the truth is I did not violate PAYPALs acceptable use policy. PAYPAL has a history of wrongfully suspending and banning people for the rest of their lives and I believe this business practice needs to be stopped. PAYPAL is hurting innocent business owners, the economy and humanity in general by wrongfully suspending peoples PayPal accounts. I even told PAYPAL that if they had given me a valid reason as to why I was why I was suspended then I would not have even questioned them for suspending me. I have known about PAYPALs history ever since I created a PayPal account XXXX years ago but I never really looked into it too much. It is my opinion that these business practices all of them need to stop immediately you can not ban people when they have done nothing wrong you can not hurt peoples businesses when they have done nothing wrong. I hope you can help me to make sure that PAYPAL does not continue to get away with these shady business practices and wrongfully suspending people and banning them from PAYPAL. Not only did they block my PayPal account they also blocked my Venmo account and they will also not let me check out through an actual PayPal system on websites. So my debit card is even blocked from being able to be used on the PAYPAL system. This whole situation is completely ridiculous on PAYPALs part and should be illegal. I hope that I have provided enough information for you to be able to take action if you have any questions please feel free to contact me. | ||||||
| 01/24/2018 | Yes |
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| I run a XXXX XXXX XXXX that makes XXXX XXXX for people. Each item is made special for each buyer so it takes time for the item to be created. Our shipping time is between 14-21 days. Our shipping times and policies are clearly stated pre-purchase, post-purchase, and in a follow-up email. Our agreement of sale is very clear on our shipping times as well as all other issues covering custom orders. 1. On XX/XX/XXXX - a buyer placed an order for a custom product for a total of {$160.00} The payment was processed by PayPal : Buyers Transaction ID : XXXX Transaction ID : XXXX Paypal fee : {$5.00} 2. On XX/XX/XXXX - I received an email from PayPal that the buyer ( Transaction ID : XXXX ) had opened up a dispute. The buyer had never contacted me. There was no email from the buyer about a 'non-delivered item '. The first I heard anything about anything was the email from PayPal that a dispute had been filed. Dispute reason : " Item not received. '' In the email from PayPal requested I provide them with tracking information and details. I immediately logged into the resolution center and provided a detailed response. I explained in detail that there was no tracking information because the item HAD N'T BEEN SHIPPED YET. I provided extensive details about our shipping policies and how they were between 14-21 days from the payment clearing. The order was placed on XX/XX/XXXX and the dispute for " Item not received '' was placed on XX/XX/XXXX. The time that had elapsed was only 12 days. Our policies state that the item will not be shipped for 14-21 days. It 's obvious to any reasonable person that there is no tracking information because nothing had shipped yet. It is impossible to provide something that quite simply, ca n't be provided. Any reasonable person at PayPal receiving my response to this dispute could clearly see that the dispute has no basis, no standing as it is not applicable. To recap : Each and every order is custom and takes time. It was n't scheduled to ship for another 9 days. I responded to PayPal in the dispute center and pressed the button in the " Action '' column, " Respond. '' At this point the dispute notification changed to : STATUS " Under Review '' The action button disappeared. 3. XX/XX/XXXX - item was shipped to the buyer. NOTE : 15 days from order so obviously with the 14-21 day shipping window. ( please see attached supporting image ) Tracking # 4. XX/XX/XXXX XXXX XXXX - Item was delivered to the Buyers address Event : " Delivered, Front Door/Porch '' So at this point our contractual obligation has been fulfilled. The item has been delivered by the appropriate means and in the appropriate timeframe. So imagine my surprise when. 3. On XX/XX/XXXX I received an email from PayPal stating : " We 've completed our review of this case and decided in favor of your buyer. The buyer stated that they never received the item. '' I immediately called PayPal at XXXX XXXX ( XXXX ) I spoke with the representative explained exactly what happened. How it was incorrect and how the buyer received their item on time and exactly as ordered. I was understandably VERY upset as this is a situation escalated to where the buyer is OBVIOUSLY committing fraud on a XXXX XXXX and PayPal, after seeing my dispute response ( XX/XX/XXXX ) should be well aware of the situation. How this frivolous dispute could get this far, or even go in the buyers favor, is beyond any rational thought. The representative put me on hold at XXXX to get a supervisor. I stayed on hold until TIME ( see attached screenshot of hold time ) until the PayPal system hung up on me. After that experience I needed to take some time to calm down. Obviously PayPal knows what the situation is as I informed them and provided extensive details on our policies. We do hundreds of orders a year. They are all treated the same. It was sent on-time and in accordance with our policies. That should be the end of the story. 4. XX/XX/XXXX ( XXXX ) - I called back to find out the status of my appeal and spoke with " XXXX ''. She asked for more supporting documentation, which I provided. ( Please see the attached images and documentation ). I emailed the documents at XXXX. I received an email stating that CASE ID : XXXX was CLOSED. The reason being that : " We were unable to cover this transaction under Seller Protection, as you did n't respond within the required timeline. '' This is unacceptable : - I responded immediately ( see XX/XX/XXXX email attachment ). Provided all the requested information as well as a detailed explanation of our policies and how the custom product was n't scheduled to ship for another 9 days. - I filed my response, within the timeframe ( which was immediate ), and the dispute notification in the resolution center changed to : There as no button to update any information. There was no email requesting more information. There was no contact from PayPal of any sort requesting any update or additional information. No contact of any sort stating that there would be more information needed ( other than the notification that I lost this dispute ). Any person in Paypals dispute dipartment could see in our provided response that the dispute had no standing. There was no tracking number to provide as the item had n't shipped yet. The dispute was opened 12 days into a 21 day shipping window. There was no contact of any sort from PayPal after my initial immediate response that provided the available information. A reasonable person in the dispute department could look at that email and say " Of course there is no tracking. It has n't shipped yet! '' The item was shipped and was received by the buyer on XX/XX/XXXX. Which was within the shipping timeframe agreed to upon purchase. Just like every order it was provided on time, correctly and in accordance with our purchase agreement. On XX/XX/XXXX : After finally getting escalated to someone who said they were " XXXX from PayPal '' and he was a manager in the Protection Services Department. After explaining the issue again, very slowly and detailed, he informed me that although he, as a person understood what was happening, that there was nothing that could be done. What happened next stunned me. I 'm still in shock about my conversation with " XXXX from PayPal '' He as a person understood what was happening but that there was nothing that could be done. He informed me that the decision was final for the buyer. The reason was : That we did n't provide a tracking number on XX/XX/XXXX. After explaining again that you CA N'T provide a tracking number for an item that HAS N'T SHIPPED within it 's allowable time-frame. I do this ALL THE TIME. I explained it in detail back in my dispute response on XX/XX/XXXX. The item shipped on XX/XX/XXXX and was delivered on XX/XX/XXXX. All within the policies agreed upon when the buyer made the purchase. " XXXX from PayPal '' again re-iterated that we should have provided a tracking number. 'XXXX from PayPal ' then proceeded to tell us that even though he 'personally ' understood that there was no way to provide tracking information, because the item had n't yet shipped and that our email saying this was received and noted that we were STILL at fault. To say this conversation was maddening is an understatement. " XXXX from PayPal '' said that we should have let them know the tracking when we got it. I asked him where was I supposed to supply that information? There was no further REQUEST for that information. PayPal never said they needed any additional information after my initial response in the dispute section on XX/XX/XXXX. That response CLEARLY details the situation. There is no option to update anything just : STATUS " Under Review '' It was obvious why there was no tracking number. " XXXX from PayPal '' then told me that there is only a chance to make ONE response in a dispute. He acknowledged that there was NO OPTION to update my response in the dispute center. Incredulously I asked him then what was I supposed to do after the initial response. I did everything CORRECTLY with this purchase. I informed PayPal of that in my IMMEDIATE dispute response. " XXXX from PayPal '' then said that I should have " Picked up the torch '' and emailed or called PayPal with that information when I had it. That the " burden of proof '' was on me. Even though there was NO REQUEST for more information and even more galling, NO WAY TO UPDATE MY DISPUTE RESPONSE. I was told by " XXXX from PayPal '' that I should have found an email or called and updated it. I should have " made an effort ''. Stunned. To have this type of customer service interaction with PayPal, a company that I PAY MONEY to for each and every transaction was galling in the extreme. For " XXXX from PayPal '' to say that PayPal could do nothing and it was final was just making PayPal an accessory to this fraud. I 'm still in shock at the way that I was treated. For anyone at PayPal doubting my recollection of the events on the phone with " XXXX from PayPal '' on XX/XX/XXXX I encourage you to listen to the " recording that was done for QUALITY ASSURANCE ''. You will see what I was told. " XXXX from PayPal '' said that the seller ( me ) only had the initial ONE TIME to respond to this dispute ( XX/XX/XXXX ) then it changes status to " Under review ''. Which if you 're following along you 'll see that I did respond and there was NO tracking information as the item had n't shipped yet in it 's allotted window. There is no BASIS for the dispute. None. After going back and forth in a clear, documented and reasonable manner " XXXX from PayPal '' told me that the decision was final and that we should talk to the buyer. That PayPal could n't do anything. Even though we pay PayPal a fee for each transaction. Even though PayPal provides " seller protection '' Even though we provided ALL the detailed accurate information asked for with the dispute. Even though to any REASONABLE person it CLEARLY shows that there was no standing for this dispute on the part of the buyer. We did EVERYTHING correctly as we do with each and every sale. " XXXX from PayPal '' insisted that the burden of proof was on us. That we should have emailed someone at PayPal with the tracking information when we had it. That we should consider this the " price of doing business '' ( again I strongly encourage PayPal 'Quality Assurance ' to listen to the recording of my phone call if you find my claims to be incredulous ). The result of this is that the buyer committed fraud and PayPal was complicit in them doing it. They have all of the accurate information. They know EXACTLY what happened. They have detailed records of the past several years of how I do business and how there are never any problems. I ask anyone at PayPal to explain to me where I provided inaccurate information. Where I, as the seller, did something wrong. Where after reviewing the information that has been provided in any way, shape or form can ethically decide that the buyer is in the right with this. The complete dismissive treatment by Paypal for the money which I am legally owed has left me with no choice but to file this complaint with the CFPB. The fact that PayPal would blatantly toss aside all of the accurate information that there is a fraud that has been committed and would compound the situation by making me feel like it 's my fault. Is just disgusting. Any reasonable person who reads this complaint can see what happened here ( fra ud on the buyers part ) as well as see the complacency by PayPal by blaming me for somehow facilitating this situation. The money owed to me is legally mine from the completed sale and needs to be returned to me. This is theft pure and simple. I appeal to any and all assistance that the CFPB can afford me in this manner. Thank you. | ||||||
| 12/05/2023 | Yes |
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| The dispute with my PayPal account and debit card issued to me by PayPal is still active. The PayPal dispute division alleges they are still reviewing the dispute. There are three transactions/payments all to the same merchant. They are all the same case and all disputed for the same reason. Overview : I'm living in an apartment I originally found on XXXX but the woman who has the lease in this XXXXXXXX XXXX XXXX XXXX just completed in XXXX asked me to call her off of the XXXX platform. She offered to sublease it to me for XXXX a month. I moved in on XX/XX/XXXX, and the terms were for 7 months being finished on XXXX XXXX XXXX I paid XXXX on PayPal and moved in. The night she gave me keys she brought a sublease agreement. We both signed it. She said she had permission from the landlord/owner to sublease and do XXXX and similar platforms for Home Sharing for both the short and long term. The building owner leased her three apartments. None of the three units are her prime residence. She has never lived in any of the units. when II became suspicious of all she had told me I researched the laws in California for this type of sublease. From reading the XXXX XXXX XXXX Ordinance CF-14-1636-S2 a few weeks into my tenancy I learned her XXXX listings are all illegal. The registration number and/ or the exemptions she lists are all false/ lies. AKA FRAUD After paying XXXX XXXX XXXX XXXX XXXX about three weeks in she started asking me about paying the second month. As it became closer to the next rent payment she asked if I could not pay using a PAYPAL debit card this time. ( I believe she didnt want me to use it because of the Buyers Protection Plan ) I started to get very suspicious of her harassing texts. On XX/XX/XXXX when rent was due I informed her my new bank account had a hold on my funds until XXXX XXXX on Monday the XXXX. I said but I can pay XXXX on Paypal on the XXXX and the balance on Monday. The reason I could not pay the full XXXX on Friday was that I moved the money to a new bank account instead of PAYPAL because she said she did not want a PayPal payment. She said in writing she was fine with the payment on the XXXX. When I told her via text that there was a hold on the Bank funds but that I could still pay XXXX via PayPal that day and the balance at XXXX XXXX the same day from my new bank she said no. At that point, I went down to the onsite management office and spoke to the real estate agent XXXX XXXX who worked full time alongside the owner of the building XXXX XXXX XXXX XXXX XXXX who pretended to just be the property manager. She pretends to speak little to no XXXX. But she speaks XXXX very well. It is my strong educated belief that XXXX XXXX and her cohorts are XXXX XXXX. They believe they are above the law. While I was explaining the situation to them XXXX XXXX whom I subleased from locked me out of the apartment with my dog, furniture, car keys, and everything inside the unit. XXXX XXXX had a high-tech touchscreen keypad lock on the apartment door, which she controls remotely. It is against ALL California tenant-landlord laws to lock a tenant out in this manner. It is against the law. XXXX XXXX told me XXXX does have their permission to sublease and that she was a couple of months behind on her rent. I said well I'm trying to pay her at least XXXX right now on PayPal and the remainder at XXXX XXXX I ran back up to my unit to get my wallet and then learned I had been locked out. Now, please know rent was not late yet. Also, know it is illegal to just lock someone out like this. It turns out XXXX knew I had left the apartment to go speak with management because she has several hidden spy cameras in my unit which I found after I wondered how she knew I had left the unit to lock me out. It deeply affected me and triggered a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went back downstairs and told XXXX XXXX. XXXX XXXX said well she said you have not yet paid her today. I said I've been trying to all morning but she does not want a PAYPAL payment. XXXX XXXX said well XXXX is way behind on her rent so I can not let you in. I said I just paid her XXXX dollars on XX/XX/XXXX how could she be so behind? XXXX said well she didn't give it to us. I said well that is not my fault and her lease with you has nothing to do with my sublease with her. I said you just told me you allow her to sublease so neither of you can just lock me out. I said what if I pay the building directly? She said she could not take money from me. I said well there are two empty studios for half the price, how about I rent one of those. She said I don't want to take you away from XXXX as her long-term subtenant. She said let me call her to tell her to take your payment via Paypal. For a full hour, I had to wait in the lobby locked out of my place. XXXX agreed to the Paypal payment, it went through and she created a new code for the door lock. I was furious they put me through such an experience. Cut to 15 days later when it was agreed I'd pay the next XXXX. On that morning I sent her a reminder text saying I'd be paying electronically around noon. When I tried to pay her on PayPal which she said she was fine going forward I learned that she blocked me from being able to pay the XXXX. You can check PayPal records to see this is true. I texted her and asked if she blocked me. She replied, " Yup and I have a new XXXX guest checking in tonight. '' I texted back saying you can't just break our agreement which goes until XXXX of XXXX. She said yes I can I have a Hotel type permit and can lock anyone out for no reason just like a hotel. She was lying, no such permit exists. Then I received a text from a different number. It was some thug XXXX hired who impersonated the Police writing, " This is Officer XXXX from XXXXPD and you have until XXXX XXXX to vacate. '' It was XXXX XXXX at this time. I raced home worried they would lock me out again. They all were aware it took me 4 truckloads to move my furniture in. There was no way even if it was legal for her to break our agreement that I could move in 15 minutes and they all knew this. Then at XXXX XXXX, the hired thug started pounding on my door shouting XXXXPD. The doors have no peep hole so I had no way of knowing if it was real or fake at that point. I called 911 and the Police said " They don't text and we have no reports of any police at your building. '' it is against the law to impersonate the police with the sole purpose of trying to intimidate someone into doing something. The Police came that night per my request. Until they arrived XXXX terrorized me by locking and unlocking the remote-controlled apartment door bolt which made a very loud and jarring sound. She must have done so 400 times until the police arrived late at night. The Police were fantastic and sat with me for over 45 minutes. They told me what she was doing was illegal. They said I should call a locksmith and change the lock immediately for peace of mind. I did so. A few days passed and then my power was turned off by XXXX. I was in the dark for 12 days. I finally was able to get XXXX to put it in my name. Then the internet was turned off. These utilities were supposed to be included in the XXXX dollars I had been paying XXXX for an apartment she pays around XXXX for. When I tried to get XXXX the internet provider to come to install the internet the building owner would not unlock the electrical room. This was when I became certain the building owner and XXXX the woman I subleased from were in cahoots. The Police came three times to tell the owner she could not deny access to XXXX or lock me out. However, the owner continued to try to get a locksmith to change the locks after I changed them. Every time I got the police to come back to tell the owner she could not block XXXX from installing internet for me, she would rush out of the building just before they arrived. On XX/XX/XXXX I got a piece of mail from the courthouse showing XXXX was being evicted. I sent a copy of the eviction to XXXX. The lawyer for the owner was alleging he had no way to serve XXXX. This was all a lie. The owner and the lawyer knew exactly where she lived in XXXX. So I sent XXXX 's address to the owner 's lawyer so he could not use that lie. But he still perjured himself in court filings after that. I've been calling the clerks at XXXX XXXX XXXX every day to check on the status of the case. Every day up until Wednesday I was told there was nothing. The clerks said XXXX had not filed an answer to the UD. I said it was obvious they were in cahoots and this was sort of a sham eviction and I guaranteed they would motion for a summary judgment saying there was no way to serve XXXX and that she never filed an Answer. Just before XXXX I called to check before the weekend and I was told that they got a judgment and writ for possession that day. THIS MEANS THE SHERIFF WILL PUT A NOTICE TO VACATE IN 5 DAYS ON THE DOOR. The 5 day notice too vacate the apartment made out to XXXX 's XXXX name XXXX XXXX WAS POSTED TODAY XX/XX/XXXX, XXXXThis means I will have to leave in 5 days because my name is not on the original lease. I was not named in the eviction. This is illegal. They have committed fraud upon the court, both the owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX created to lease the three units in this criminal enterprise with the XXXX owner. ) The UD lawsuit alleges XXXX is being evicted because she DID NOT HAVE permission to sublease. That is willful perjury as well because XXXX XXXX the real estate agent who has since been fired, told me so to my face several times and I recorded it on video. The owner XXXX XXXX XXXX was sitting right next to XXXX XXXX when I was told XXXX did have their permission to sublease and XXXX it for the short term and long term. I've left out tons of relevant info and other illegal acts of terror including death threats I've received. threats of hurting my dog, claims she towed my car, and much more. This fraud needs to be brought before the Judge. I have rights as a tenant. XXXX was evicted, not me. But the court system makes it impossible to be heard in front of the judge if your name is not on the lease or eviction unlawful detainer. I have all text communications, the sublease XXXX made, and signed. This nightmare has me on the edge of a nervous breakdown. I need this money refunded so I can afford a lawyer and because the entire transaction was fraud because XXXX lied about everything from the start and broke our agreement XXXX knew she was going to be evicted and that she was behind on her rent but did not tell me that when she took my money. Everything she did was fraudulent and based on lies. I paid using a PAYPAL DEBIT CARD because it offers PAYPAL PROTECTION FROM FRAUD OR IF WHAT YOU'VE PAID FOR TURNS OUT NOT TO BE NOT WHAT IT WAS REPRESENTED TO BE BY THE SELLER. PayPal representatives keep telling me it is still under review. There were three payments made where I used my Paypal card and did so with the option to pay for services or merchandise via the PayPal Protection option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Another for XXXX XXXX XXXX XXXX XXXX and another on XXXX XXXX XXXX XXXX. Paypal decided the XXXX dollars in my favor so the other two payments should be as well since it is all for the same reason. Due to the the 5-day notice to vacate notice put on the door, I will have to move in 5 days. I need the money refunded because I need it for these unexpected moving costs so soon because XXXX broke our agreement. I have supplied PayPal with concrete evidence including texts messages showing how XXXX terrorized me and lied about everything. | ||||||
| 04/08/2020 | Yes |
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| Case closed Case ID : XXXX We were notified by your credit card company that you had filed a case for a payment made on XX/XX/2020. View case history Case details Dispute Reason Unauthorised Case Status Closed Case Resolution Decided in your favour Seller information XXXX XXXX XXXX Transaction amount {$2200.00} XXXX Case Resolution Decided in your favour. I had this same conversation by phone with a young lady when my my account was limited right after the charge back was started. She stated the bank listed it as unauthorized. I did not. It is only for the repair that needs to be done. That is why the claim is only for {$380.00} and not over {$2000.00}. I want to have it repaired and keep it. She lifted the limitation within minutes after I reset my password. This is what shows on your site : Case closed Case ID : XXXX We were notified by your credit card company that you had filed a case for a payment made on XX/XX/2020. View case history Case details Dispute Reason Unauthorised Case Status Closed Case Resolution Decided in your favour Seller information XXXX XXXX XXXX Transaction amount {$2200.00} XXXX Case Resolution Decided in your favour. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX Case closed Case ID : XXXX You are now connected to XXXX XXXX XXXX Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. Before everything else can I ask for your first and last name? Considering you being away from the chat window, I will be pausing this chat. Please resume the chat when you get back so that we can continue the conversation. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX Hi XXXX . Please restore my account. My credit card company is taking care of this. I do not own PayPal {$380.00}. They never gave me a credit for {$280.00} Sorry, {$380.00} You are now connected to XXXX XXXX XXXX XXXX XXXX Hi! This is XXXX. I'll be assisting you today. Thanks for the information. Please give me 2 minutes to check your account. You are now connected to XXXX XXXX XXXX XXXX XXXX I'm still verifying the transaction and process. Please bear with me. To whom are we chatting with? I'm still not receiving any response. Please let me know if you are still on the line. It looks like you stepped away. That's ok! When you, reply we'll connect your message to the next available team member. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX I am back. XXXX XXXX You are now connected to XXXX You are now connected to XXXX You are now connected to XXXX XXXX XXXX Hi! This is XXXX. I'll be assisting you today. Thanks for the information. Please give me 2 minutes to check your account. Our agent will respond to your message within an hour. XXXX XXXX Your credit card company let us know that you asked them to reverse a recent PayPal payment. We show that you were already credited for this transaction, or that you still have the item. We ask that you reimburse PayPal for the duplicate credit Paypal paid out the Merchant as well. To cover the lose on their end. XXXX XXXX XXXX It was only a temporary credit. The investigation is ongoing {$380.00}. XXXX XXXX I see! Thank you for that information. It will be a permanent credit XXXX as your card company already sent us the result of their investigation. Your Paypal restriction could only be removed once the {$380.00} is paid off. XXXX XXXX XXXX They must have sent the info to you but not to me. How do I pay right now? I get this message : Something went wrong. Please try again. XXXX XXXX I will provide to you our collections number. You could arrange a direct payment with them. Collections XXXX It looks like you stepped away from our conversation. I will pause this conversation until you go back online so we can address your concern further. Our agent will respond to your message within an hour. XXXX XXXX XXXX Thank you very much. You are now connected to XXXX XXXX XXXX Your welcome XXXX ! Once we receive the payment, I'll be able to restore your account. If you do not have questions, please to select " End Conversation '' to close our conversation. Thank you for using PayPal Messaging. It looks like you stepped away from our conversation. I will pause this conversation until you go back online so we can address your concern further. Our agent will respond to your message within an hour. Our agent will respond to your message within an hour. XXXX XXXX XXXX You took the {$380.00} from my account this morning. Please restore my account. You took the {$380.00} from my account this morning. Please restore my account NOW. You are now connected to XXXX XXXX XXXX I took note of that. Thank you for the helpful information. I can go ahead and lift the limitation on your PayPal account and let me make you a happy camper. Thank you for your patience. I've already removed the limitation on your PayPal account and you can continue using our services again. I am happy that I was able to help you today. If you're good to go, please select End Conversation. Thank you for using PayPal Messaging. It looks like you stepped away from our conversation. I will pause this conversation until you go back online so we can address your concern further. You are now connected to XXXX XXXX XXXX Hello XXXX ! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation. I do show that XXXX did lift the limitation on the PayPal account. Is there anything else I can assist you with? It looks like you stepped away from our conversation. That's ok! When you reply the conversation will resume with me or the next available Customer Support team member if I am not available. Our agent will respond to your message within an hour. XXXX XXXX XXXX You held my money hostage until I paid a ransom of {$380.00} that you paid in error. It should have come from the seller 's account. Refund my money NOW. Our agent will respond to your message within an hour. You are now connected to XXXX XXXX XXXX XXXX! My name is XXXX and Ill be assisting you as the previous consultant is not available. You are now connected to XXXX XXXX XXXX I have reviewed the previous conversation and understand that you are trying to get your money back from a transaction with a chargeback case with your financial institution. Our agent will respond to your message within an hour. XXXX XXXX XXXX yes XXXX XXXX upon checking your PayPal account and the payment, your bank made a decision to grant the case to the merchants favor. meaning your bank placed the money back to the merchant. so for that one. we don't have any control over it since the case is not with us. the best option is to contact your bank and appeal for the case. XXXX XXXX XXXX No. The bank ruled in my favor. This is also shown in the resolution center. PayPal should have paid the bank from seller 's money not PayPal money. XXXX XXXX let me check it further for you. XXXX XXXX XXXX yes XXXX XXXX thank you for patiently waiting, im so sorry for the long wait. upon checking your PayPal account and the case here, although the final decision of your bank on the case is to grant you the money back. we dont have the money yet from your bank. once we receive the money, it will appear in your paypal balance XXXX XXXX XXXX WRONG. I already paid PayPal using PayPal funds that came in. PayPal owes me {$380.00} they should have taken for the seller 's account. I no longer owe {$380.00}. PayPal owes me {$380.00} they took from me in error. XXXX XXXX sorry for keeping you waiting, im reviewing all transactions that occurred within the dates of the case XXXX XXXX XXXX ok You are now connected to XXXX XXXX XXXX i am terribly sorry for the long wait, we are now doing the investigation on your account for you. You are now connected to XXXX XXXX XXXX XXXX Thank you. XXXX XXXX Thank you for your patience XXXX , i do appreciate it. base on our investigation, although you have won the case with your bank. we here have decided to take the money from your Paypal balance because we have made a decision that your claim with your bank is incorrect. that this is a valid transaction. XXXX XXXX XXXX Why is it incorrect? XXXX XXXX that is because of the result of the investigation that was done by our back office team.and that's the reason why the previous limitation was placed in your PayPal account. XXXX XXXX XXXX I need specifics. XXXX XXXX for the refund, you will need to contact your bank for them to provide you options. since you have file a dispute case with PayPal under the filing reason that the item is not as described, that made it an authorized transaction. i believe that's the reason why they made that decision. It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available XXXX XXXX XXXX With about 20 years on PayPal and {$100.00} 's of thousands of dollars in transactions this is not how I should be treated. Although their was a problem with the communication between the bank you PayPal it should be obvious that if it was unauthorized I would have asked the bank for a full refund. I did not and I asked only for repair work in my claim with PayPal and XXXX. Sorry, was not unauthorized. My Bank does not owe me the {$380.00} PayPal took from me. PAYPAL OWES ME {$380.00}. EITHER SOLVE THIS OR I WILL FILE A FORMAL COMPLAINT WITH THE STATES ATTORNEY GENERAL AND THE CFPB You are now connected to XXXX XXXX XXXX can i ask for your first and last name? XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you. For that XXXX, we do appreciate you choosing PayPal as your payment processor for quite sometime now. at the same time, we were not able to justify that this transaction was unauthorized that's why money was taken out of your account. and since the original case is with your bank, you might want to give them a call for this. XXXX XXXX XXXX THE ORIGINAL CASE WAS WITH PAYPAL . THE PURCHASE WAS AUTHORIZED BY ME. PASS THE BUCK. IT IS PAYPAL, NOT MY BANK, WHO TOOK MY MONEY AND VIRTUALLY CLOSED MY ACCOUNT AND PUT ME OUT OF BUSINESS FOR A TIME UNTIL I PAID YOUR RANSOM SOMEBODY AT PAYPAL CAN FIX THIS PROBLEM XXXX XXXX I'm sorry to hear your current situation, at the same time the decision is irreversible now. XXXX XXXX XXXX THAT'S NOT TRUE. SOMEBODY AT PAYPAL CAN FIX THIS. THE PROBLEM IS THAT THEY DON'T WANT TO. THIS IS JUST AS BAD AS IF SOMEONE HACKED MY ACCOUNT AND STOLE MY {$380.00}. IN THIS CASE PAYPAL HAS STOLEN MY MONEY THAT I TRUSTED THEM WITH. PASS THIS UP THE LADDER UNTIL IT IS FIXED. IT IS NOT IRREVERSIBLE. XXXX XXXX For that XXXX , the decision is final, no one in PayPal can undo the decision. XXXX XXXX XXXX OH YES THEY WILL AND THEY ARE NO SORRY FOR ANYTHING AND THEY ARE NOT SORRY FOR ANYTHING XXXX XXXX i understand XXXX. at the same time its final. It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available Our agent will respond to your message within an hour. | ||||||
| 04/28/2020 | Yes |
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| I am not sure if I am in the right category .... But here is what happened. I. Complaint 1 : Opening an Unauthorized PayPal Cash Plus Account, which Generated an Over {$3000.00} balance in the negative I had a PayPal account since XXXX. I was never aware that a PayPal Cash Plus account was opened for me by PayPal. PayPal can not tell me when the account was opened exactly and gives totally contradictory and conflicting information. One representative writes that the PayPal Cash Plus account was opened sometimes when I accepted a payment an kept it in PayPal Balance. Another PayPal representative writes that it was just a " re-branding '' and no new account was opened ... So it's confusing how and when the account was opened. I contacted PayPal again. I was told the account was opened for me without any affirmative actions taken by me and it was opened for me ( re-branded by existing account for me ) due to Federal Regulations, which required the change. Allegedly PayPal sent me an email, sometimes between XX/XX/XXXX and XXXX, XXXX informing me about the change, which " officially went into affect on XX/XX/XXXX ''. PayPal can not send me a copy of the email, any application, confirmation of acceptance, or contract regarding the terms and condition of my alleged PayPal Cash Plus Account, yet PayPal insist that the PayPal Cash Plus Account terms and conditions are binding on me. PayPal stated " you did not have to apply. It was a rebranding based on if we had confirmed your identity already or not. It didn't change anything about your account beyond how we speak to your balance. It is now referred to as a Cash Plus Balance. Beyond that one change, nothing was changed. '' " It isn't a brand new account. Think of it like a store that goes through a remodel. Fresh coat of paint and it's like a new store ''. Yet another representative stated " PayPal Cash accounts are for customers who wish to keep money in PayPal [ so it's not rebranding the already existing PayPal account ]. Customers using PayPal Cash accounts will have access to basic balance functionality, including the ability to shop with balance, send money to friends and family using balance, receive money into balance, and set up a Money Pool. PayPal Cash Plus accounts are eligible for additional features like the PayPal Cash Mastercard, receiving paychecks via direct deposit, and setting organization tools like Goals. This was a change that happened to all PayPal accounts as there was a new regulations set by the government that we ill need these type of accounts to maintain a balance. '' Another PayPal rep said " The PayPal Cash account was created when a payment was received and the money was accepted and the option to keep the money in PayPal was chosen instead of transferring it a bank '' ( PayPal can not give me a date when did this allegedly happen ). On PayPal 's own website, PayPal states " Personal PayPal account holders also have the ability to get a PayPal Cash Plus account. You can get a PayPal Cash Plus account by applying for or enrolling in any of the features or products below : *Get the PayPal Cash Card Debit Mastercard ( or the PayPal Business Debit Mastercard ) ; *Set up direct deposit to automatically add pay checks to balance ; *Set up Goals to manage money being held '' So it's neither rebranding, nor something you can accidentally create by keeping a balance on you PayPal account, but something you have to apply for by any of the three listed acts ... Yet, PayPal insist : " I have repeatedly informed you that I can not re-send an email from over a year ago. Your Cash Plus account was not " created '', it was changed just given a new name based on the level of identity confirmation that you had completed ''. I am confused if I should be guided by PayPal 's statement to the public posted on PayPal 's website, but the facts are the followings none the less. I, admittedly, have never enrolled or applied for PayPal Cash Plus account. I, admittedly, do not have a PayPal Cash Card Debit Mastercard. I, admittedly, do not have a direct deposit to automatically add pay checks to balance. I, admittedly, did not set up Goals to manage money being held. Yet, I have a PayPal Cash Plus account. I do not have a contract, yet PayPal insist that I am bind by the user agreement of a service I have never applied for and PayPal can not even resend me the alleged email, which triggered ( in one version of PayPal ) the opening of the PayPal Cash Plus account or pinpoint the transaction ( another version of PayPal ) through which I have created the PayPal Cash Plus account. There seemed to be a consensus that I have never applied to open the PayPal Cash Plus account. Now, this mysteriously opened PayPal Cash Plus account has an over {$3000.00} negative balance. The PayPal Cash Plus account allegedly serves as a " balance '' account. To use PayPal 's rep own words " PayPal Cash accounts are for customers who wish to keep money in PayPal. Customers using PayPal Cash accounts will have access to basic balance functionality, including the ability to shop with balance, send money to friends and family using balance, receive money into balance, and set up a Money Pool ''. Yet, there was a bill submitted by XXXX ( I don't have an XXXX account and PayPal is a spinoff company of XXXX ), which bill was paid by PayPal immediately, without my consent, even though there was {$0.00} balance on by PayPal account and/or PayPal Cash Plus Account and none of the backup payment sources had sufficient funds to cover XXXX 's alleged bill. None the less, PayPal approved the transaction. My PayPal Cash Plus account ( for which I have never applied, enrolled, etc. and was allegedly created for me for the sole purpose to keep positive balance on it which then I can use for different purposes ) has now a negative balance of over {$3000.00}. II. Complaint 2 : Unauthorized Collection Practices. When I wanted to dispute the charge, PayPal told me that " On XX/XX/XXXX XXXX billed you for the {$3200.00} refund through a billing agreement set up with XXXX on XX/XX/XXXX. '' PayPal is not a collection company for XXXX. XXXX has to verify the charge. I do not have an XXXX account, hence I can not have a " billing agreement '' with XXXX. If XXXX can not validate the charge and I dispute the charge, PayPal should refund me the disputed amount and charge it only after validation or after a valid judgment by XXXX against me regarding the dispute. Further, and once again, I allegedly had a " balance '' account with PayPal, which was " automatically '' created for by by " rebranding '' my existing PayPal personal account and could not have had a negative balance. PayPal should have refused the XXXX 's charge request as there was no money neither on my PayPal personal account, nor on my PayPal Cash Plus account, nor on any of the funding sources associated with my account. How can I have a credit account with a negative balance with PayPal when I never applied for such? How can I have a negative balance on a bill I dispute and never authorized? I don't thing that was CFPB 's requirement with what PayPal just complied with ... .. Moreover, before the account went into negative balance, I discovered that there was an " auto-pay '' authorization for XXXX in my PayPal account ( among with other XXXX XXXX companies, such as XXXX, XXXX, XXXX, etc. ). I don't recall creating any of these so called " autopay '' intentionally and not sure how they are created but let 's not get into that. Anyway, as soon I discovered XXXX listed on " autopay '' I removed XXXX. At the time there was no charge by XXXX on my account. PayPal later claimed that the charge came before the " autopay '' removal ( even though it did not appear on my account ). Nonetheless, the " autopay '' assumes automatic payments of valid charges. This is not the case here. Again, PayPal is not ( or at least not supposed to be ) the collection company for XXXX. When XXXX can not validate a charge and I dispute the charge, it should be denied until final dispute resolution between the alleged creditor and the alleged debtor. PayPal also argue that the charge was as a result of XXXX 's resolution in favor of buyer, but again, ( 1 ) I do not have an XXXX account ; ( 2 ) I did not agree to XXXX 's dispute resolution procedures ; ( 3 ) I did not agree to accept XXXX 's " fact findings '' and I did not waived my Constitutional right to a jury trial in case of a civil dispute ; ( 4 ) there is no agreement between XXXX and me in any matter in any manner ; ( 5 ) I do not agree that XXXX can bill me directly in case XXXX finds in buyer 's favor in a transaction I am not a part of ; ( 6 ) there is no billing or any other kind of agreement between XXXX and me so XXXX can not just " bill '' me ; ( 7 ) I am the sole owner of my PayPal account ; ( 8 ) there is no judgment or arbitration award against me in connection with any claimed debt I allegedly owe to XXXX ; ( 9 ) there no judgment or arbitration award which would state the amount I allegedly owe to XXXX ; ( 10 ) there is no levy order by a Court with competent jurisdiction, which would authorize PayPal to accept the charge as valid over my objection ; ( 11 ) there is no levy order by a Court with competent jurisdiction which would authorize PayPal to withdraw or withheld money without my authorization from any of my accounts ; ( 12 ) PayPal is my financial company, owes me fiduciary duties, not to XXXX. PayPal can not just deduct, pardon me, create an account for me in order to enable PayPal to approve an unauthorized XXXX charge. To add insult to injury, initially I was told that I can not even dispute the charge ( later I was allowed to file a dispute which was decided in less than 24 hours in XXXX 's favor ). Last but not least, Pay Pal stated to at least another PayPal account holder who opened the account in XXXX ( information can be provided to CFPB upon request ) that opening PayPal Cash or PayPal Cash account is not automatic and that one has to apply for a card and that card has to be linked to the person 's PayPal account in order to open a PayPal Cash Plus account. I believe CFPB should investigate this matter as ( 1 ) PayPal attempts to validate its unlawful actions ( opening PayPal Cash Plus accounts to existing users without the existing user 's knowledge or agreement and then bend and twist the facts to serve PayPal purposes, including but not limited to misstate the scope and purposes of a PayPal Cash Plus balance account ) citing CFPB 's regulations as cause ; ( 2 ) PayPal is not a collection company for XXXX, thus should not act like one, especially when a debt verification is requested by PayPal 's own customer. The charge was either an unauthorized charge, thus XXXX should prove it's validity ( assuming that PayPal is my financial institution ) or the PayPal customer should at least have a right for debt verification ( assuming that PayPal is XXXX 's collection agency ). PayPal admittedly ( confirmed it in writing ) did not even contact XXXX regarding the transaction. Neither to validate the alleged charge nor to validate the alleged debt. | ||||||
| 03/13/2021 | Yes |
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| PayPal - Account Permanent Limitation & Fraud/Scam I have tried to solve this matter already by using XXXX ( XXXX XXXX XXXX ), but that was getting nowhere. They kept responding in a way like the automatic messages on their site does and never gave any answers to my problem. Email XX/XX/2021 I have emailed PayPal on the same day I sent XXXX the complaint ( before they took action which was XX/XX/2021. " I am familiar with the user agreement and I am aware that I haven't violated their policy. The account limitation didn't give a fair opportunity to explain my business model to upload the documents that were requested. I am respectfully requesting that the hold on my funds/account be lifted. I am requesting that my account be reopened or allowed to continue to use the PayPal service, or worse case I will take my business to your largest competitor and I will no longer be in need of PayPal 's services. I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. '' XXXX Case opened : XX/XX/2021 Complaint " My business account has been permanently limited swiftly without warning after receiving a fair amount of money. I have just started this account merely a few days ago ( XX/XX/2021 ) to monetize this troubling time in quarantine with digital/virtual goods services. I was receiving little payments of XXXX dollars on somewhat a daily basis, but nothing happened to my account. The moment I received a large sum of money ( XXXX dollars ), my account instantly got permanently limited without even a warning on XX/XX/2021 XXXX. I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I have used PayPal message Centre to contact them, but haven't got a reply as of yet and reading through PayPal community section this situation have been happening frequently to other consumers/businesses dealing with PayPal. I am happy to provide any further documents or perform any steps if required '' XX/XX/2021 I provide the documents to provide sufficient evidences that my account was permanently limited unfairly. Such as : The creation date, termination date, documents they asked for and I submitted in which they approved. PayPal 's " Apology '' XX/XX/2021 PayPal had contacted me via email apologizing and reactivating my account. Not even a day later they sent me another message stating that my account and been permanently limited again. They directed me to he Acceptable User Policy and I red it thoroughly, but once again my account have not violated any of the Acceptable User Policies. PayPal 's Response via XXXX XX/XX/2021 I had gotten a response from one of PayPal 's employees via XXXX complaint forum. " Dear XXXX XXXX, My name is XXXX, and I am reaching out to you from PayPal 's Office of XXXX Escalations. Your outreach to the XXXX XXXX XXXX was forwarded to me so that I can fully address your concerns. Ms. XXXX, XXXX concerning it is to find your accountlimited. A review of your accountshows thatit hasbeen limited permanently on XX/XX/2021. The limitation was placedin order toprotect us from potential financial losses.The transactions in your account showed some account activity that violates the PayPal User Agreement, and your account was permanently limited.I regret to confirm that you will no longer be able to use your PayPal account, as the decision can not be modified. Our decisions about limitations and any other actions we take under this user agreement may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers.We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may berestricted by regulation or a governmental authority from disclosing certain information to you about such decisions. Ms. XXXX, please note, this is not a decision wetakelightly.PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent orhigh-riskbehavior. Any money in your PayPal account will be held for180 days, starting on the date the limitation was placed on your account. The money belongs to you but is held in reserve to cover any disputes or reversals that may be filed against you.After 180 days, any money in your account can be withdrawn by check or bank transfer. You can also review the terms and conditions of the User Agreement. Click onLegal Agreementsat the bottom of any PayPal page, then clickPayPal User Agreement. I know this is not a kind of response you were expecting from us and I wish I could provide more details. However, XXXX your understanding in this matter. Please feel free to contact PayPal 's Office of XXXX Escalations at XXXX if you have any questions or concerns or if we can be of furtherassistance. Yours sincerely, XXXX XXXX XXXX Escalations Complaints XXXX Copyright ( c ) XXXX PayPal. All rights reserved. '' Filler XX/XX/2021 I have receive the same response via XXXX as well. My Response XX/XX/2021 I responded back to the generic message. " Good morning, I want this email to specifically seek XXXX, thank you. XXXX XXXX I will quote you throughout this mail, so pay attention. " The transactions in your account showed some account activity that violates the PayPal User Agreement, and your account was permanently limited. '' I have looked through Paypal User Agreement and once again I have found nothing wrong with my account, not even in the slightest. Even your own system has proven that as well in the screenshots I have provided in the complaint with XXXX ( I shall attach them here as well ). I hope you can see that this is entirely unfair, since I barely began to do my business with PayPal. [ XXXX ; Images XXXX and XXXX proves this ]. I found this awfully humorous, " I regret to confirm that you will no longer be able to use your PayPal account, as the decision can not be modified. '' This was either a blunt lie or an indirect acknowledgement of your ignorance. My account was permanently limited, but somehow I got an email back from PayPal apologizing for the inconvenience they have caused. If you obviously have the power to revert an account, then would in it means that the decision can definitely be modified. [ XXXX ; Images XXXX and XXXX proves this ] Seems like everyone isn't on the same accord here. Lovely, I honestly just wanted to quote this, " In addition, we may berestricted by regulation or a governmental authority from disclosing certain information to you about such decisions. ". You refused to tell me why I have been limited completely, which is odd since I am supposedly the offender here. Anyways, " ... ... to be involved in possible fraudulent orhigh-riskbehavior. '' I have repeatedly addressed this my account is not involved in " fraudulent '' or " high-risk '' behavior ''. I literally had that account for less than a week and it have been marked about such labels because I received one 'big ' payment. Truly injustice. Moving on, " ... I can fully address your concerns. '' in all honesty you haven't addressed any of my concerns, you basically just gave me the same automatic message from PayPal, but of course made it more human like with spelling errors. Finally, I have a case dispute opened on me for XXXX XXXX and XXXX XXXX dollar ( technically XXXX XXXX and XXXX XXXX ). I can without a doubt with the upmost confidence say I have served the customer with the order they requested from me. This charge back is entirely false, my hard work and the earnings I got from it swiftly taken from me is surely a surreal experience. ( 180 days is still unreasonable ). Sincerely, Miss, XXXX XXXX '' PayPal 's " Apologize '' Once Again XX/XX/2021 PayPal has sent me another email at XX/XX/2021 XXXX XXXX stating that my account has been reinstated, I am very uncomfortable because they did this before and has indefinitely limited it. Sent XX/XX/2021 My response from XX/XX/2021 was sent to PayPal. Permanently Limited XX/XX/2021 My account got permanently limited again. PayPal 's Rebuttal Response XX/XX/2021 " Dear XXXX XXXX, Thank you for sharing your concerns regarding PayPal 's recent response to your XXXX XXXX XXXX complaint. My name is XXXX with PayPal 's Office of XXXX Escalations and I appreciate the opportunity to further address your concerns. In reviewing your original complaint to the XXXX XXXX XXXX, I understand it is regarding the permanent limitation on your account and the inability to use our services. On XX/XX/2021, PayPal responded to your complaint and advised that we are no longer offering our services. Upon reviewing your complaint, I was able to confirm that you are linked to other accounts that are limited or negative. Thus, our decision to no longer offer our services is final. I have thoroughly researched the facts of this matter and can confirm our decision remains unchanged. We regret any frustration or inconvenience you have experienced with our services and, while we understand this may not be the answer you were hoping for, we believe our actions to be consistent with PayPal 's User Agreement. Our user Agreement states, " Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. '' Should you have questions or concerns regarding a different PayPal matter, you may contact PayPal 's Office of XXXX Escalations at XXXX. Sincerely, XXXX PayPal XXXX Escalations '' My Response XX/XX/2021 " Good Evening, Mr. XXXX you and Mr. XXXX has been saying the same thing as if it was completely an automatic message just to avoid confrontation somewhat completely. You say one thing, but whoever is behind the scene is saying another thing. I have yet again been fully unlimited after Mr. XXXX supposed statement earlier claiming the same as you are MrXXXX XXXX. Sadly, I have been limited again and once again my account haven't lived not even a week to even do anything against your terms. '' XXXX Case Closed XX/XX/2021 PayPal Fraud/Scam I just find it very strange when I received a " large '' amount of money that my account was permanently limited before when I was receiving small fees my account was fine and soon after XX/XX/2021 I was hit with a false chargeback ( I have provided my customer the service they requested for ) .My account also was not even a week old. The dispute that was open against me did not provide any evidence, this is a fraud/scam. | ||||||
| 03/13/2020 | Yes |
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| I began as a seller on XXXX on XX/XX/2018, and had been selling XXXX XXXX for about 3 months, when I noticed that XXXX was invoicing me for items that had been returned. When I called to get this problem rectified, they told me they would resolve the issue. Once the deadline for the invoice was past, they suspended my account for non payment. Again, I called to get the problem resolved, and they told me they weren't going to do anything about it, and that I either needed to pay the invoice, or I would not be allowed to sell on XXXX. This was a problem, as I had invested everything I had into creating my own store and this was my full time job. Unfortunately, I didn't have the additional {$770.00} that they were overcharging me at that time.. It took 6 months to finally reach someone that was competent enough to understand what the problem was. They recognized the misunderstanding and credited me the {$770.00} and gave me the opportunity to sell again. I was happy that it was finally figured out, but this is only the beginning. While I was suspended, XXXX claims that I had customers wanting to return items, but I know this wasn't true and XXXX refused to provide a summary of the issues at hand because they were made up. What ended up happening was XXXX decided to give me credit for the overcharged invoice, but during my suspension, they created a negative sellers profile, allowing them to charge more per sale, so instead of 10 % of {$100.00}, like it is supposed to be and what was agreed upon, they could now charge 12 % -15 %, even 18 % if they wanted to. This also allowed them to revert to this problem that they created every time I came to them with an issue, which was every month die to never being credited for returns. They would simply say, " we see that your sellers level is below standard '' which was true, but only because they created the problem and the below standard sellers level. This was entirely out of my control. I asked them why they found it ok to credit the money, but allow the XXXX created sellers level remain in place. They would never give me an answer other than " it's been beyond the 60 days that's required to dispute such a claim, and had you complained before the 60 days, we could've done something. '' This was all nonsense and a lie. First of all, it took me 6 months to even get into my account to know there was negative feedback to begin with, so there goes that idea. Trying to put it behind me and just play their greedy little game, I didn't mention it anymore. However, this would be considered frivolous at best compared to what was happening next. XXXX XXXX their criminal colleagues at PayPal and requested that they step in and steal my money, which is exactly what happened, but only after a brief period of time where I had a considerable amount of sales that put {$4000.00} in each of my 2 accounts. Unfortunately, I was not able to deduct the money fast enough and that's when PayPal took the money. If I only had about {$50.00} in each account, they wouldn't have touched it because it wasn't worth the trouble for {$50.00}. {$8000.00}? Thats a different story, and that's the one I'm telling. When I questioned where my money was and why I could not retrieve any of my hard earned money that I invested everything I had into earning, they said they required some information from me, but would never tell me what that information was, just that they needed it. I never gave them anything, and nor should I have to. If they didn't have all of the information that they required at the beginning of their own fraudulent contract that I was never aware of existing, that's their problem. A contract can not allow someone to change the particulars in a contract just because it benefits only fhem. This is common knowledge, and nowhere in their contract does it state that they reserve the right to take all of your money under fraudulent pretenses. In fact, as soon as they took the money, they committed theft and a felony if I'm not mistaken. This renders any contract void immediately, even if I was unaware of it. I can not be expected to go along with criminal activities because of a contract that I never agreed to to begin with. My agreement was with XXXX, and this is why XXXX needed PayPals help. To deflect the contractual agreed to particulars. I never asked for, required, thought it was a good idea, agreed to, or ever promoted the idea of having a 3rd party having access to my money, and to steal a percentage of that money on every transaction that occurred. In fact, I was blatantly opposed to the idea and voiced my opinion on several occasions. Additionally, XXXX claims to allow you to not use PayPal at all, and just have the money directly deposited into your account. This is how I set up my account, but XXXX changed this, stating that I needed to be invited to have that as an option. It is an option when you set up your account, but XXXX knows they can not commandeer people 's accounts when they are under a direct deposit. They must make you use PayPal in order to do this. Their whole platform is designed to promote their own fraudulent transactions, not to protect customers or sellers, and that is the problem I have with this. Additionally, this, in my opinion is discrimination at it's very definition that I need to be invited when it's given as an option when setting up the account. Did I not qualify for an invite? If jot, why not? This is more information that they can not provide due to it showing their criminal intent.. I digress. Now that PayPal had every dime to my name, leaving my family and I without money to even eat, I was at their mercy. After weeks of going days without food, I finally decided I should see what could be done to be provided relief. I called them and asked, and they said " we've found that your counts are connected to another account that is over drawn in the amount of {$550.00}, and this amount must be paid prior to your money be in released. I agreed, under protest because this was jot my account and they knew it. It was extortion, period. The reason I can tell you that this was not my account, is because the email address that they gave me that I'd supposedly mine, does not exist in XXXX, and it is a XXXX account. Only someone who benefits from extortion would ceete an account in their own system, even though it does not exist in reality. They never created the account in XXXX, so if you try to access the email account, XXXX tells you, " sorry, but this account does not exist. '' So, he's, this was extortion at it's finest. I agreed to pay it because I couldn't allow my family and I to go another day without a solid meal and at least a hotel room for 1 night to get some rest. PayPal promised to release the funds within 20 minutes of my oatibg their fraudulent balance. After it was paid, I went to deduct money from the account, and I was denied. After several hundred calls to them trying to figure out why, I received an email stating that I had been denied my appeal, and the account would remain closed. They stole upwards of {$8500.00} from me, just like that. PayPal claims that will give you your money back after 180 days, but all this does is allow them to create fake returns, where they then give the fake customer their money back, when in reality, they're just draining your account. At the same time I was suspended again, XXXX continued to allow customers to purchase my products, knowing that I couldn't fulfill them due to a billing agreement with pay pal, usps, and XXXX, that allows me to have the funds needed for shipping be deducted from my sales price. I didn't have the means to ship anything out even if I wanted to and if I thought I was ever going to be said for it anyway. So I didn't ship anything. XXXX still invoiced me for over {$700.00} again for less than a weeks time period. When I didn't pay it, they told PayPal to change my payment method from personal credit card to PayPal, and then XXXX went into one of my frozen accounts and took the money. They were not finished. Then, they, changed their invoice to read it was due out of my other account and not the one they had just deducted it from. By doing this, it allowed to claim that I still owed the {$700.00} and this is what they began reporting to my credit report, fraudulently, and as unpaid and a negative mark on my report. Always checking my credit report regularly, I noticed that PayPal and XXXX both have somehow gained access to my report and have added their own accounts using my name, and then turning around and claiming that I still owe them money. They stole my identity to charge up my account on their platform as if I had a credit limit. I never had a credit limit, not once in my entire life have I had a credit card, so how can this be possible? So XXXX creates an invoice that they know I couldn't be held liable for, for not having the ability to fulfill the orders, yet continues to pursue the funds, steals them out of one account, and claims it is still owed on the other account, then proceeds to report it to the big 3 credit bureaus, defaming character fraudulently after stealing my identity to have access to my account to run up fraudulent credit on their own platform. At last estimation, they have stolen or charged a total of {$34000.00} and some change, and that was the last time I was allowed to even check it. They've since removed my access to my accounts, and the months has long since passed. I have never seen a dime of my money. Only theft, fraud, extortion, embezzlement, money laundering, Racketeering, and violations of RICO. I have in the past reported this to every other agency in America, including the cfpb. Nothing has ever been done about it and I understand that you are all complicit in this scam, and I'm not surprised. I just wanted to remind all of you involved that it hasn't been forgotten, and that everyone involved will someday pay the price for the damages you've caused due to your greed and corruption. It would be refreshing to find that at least one of you had the balls to stand up and do your jobs, which is to protect consumers and American Citizens, first and foremost, instead of lining your pockets with stolen money. I am realsitic, and find that hard to believe, let alone possible. Still, it would be refreshing. This is a complaint about not only XXXX and PayPal, but it's a complaint on the entire system that allows them to continue to do business, and allows you to continue lining your pockets and at the expense of the only backbone you have. The American people. I wish you would do something, but I've read your pathetic disclaimer about how worthless you are, and that is what I expect from you. Nothing. Because that is what you're worth. Now you know that we know, and now you need to know that you're about to be run out of this country or face the consequences for your treason. Have a nice day XXXX! | ||||||
| 07/20/2022 | Yes |
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| On XX/XX/XXXX I went to the Venmo website to look into starting a venmo account. The site advertised giving {$10.00} if you open an account with them. I'd never used venmo, but heard of it and decided receiving the {$10.00} made it worth my time. I opened the account and added my checking account from my bank to my new venmo account and figured I'd sit back and see if they would really honor the {$10.00} offer. On Monday the XXXX I got an email from them saying the account was frozen due to activity that violates the user agreement, and that I needed to send them a copy of my ID to verify who I am in order to unfreeze the account. I immediately suspected a lie, mainly because there had been NO activity, let alone activity that violated the user agreement. I complied with their request right away and sent pictures of the front and back of my state ID to the link they provided in that email, within just a few minutes of reading it. Their email said if I had any questions I could reply to that email. So I sent a reply outlining my suspensions that they were just attempting to get out of the {$10.00} offer. That there had in fact been NO activity on the account since I signed up, let alone activity that violated the user agreement. I asked them to respond to my email with exactly what activity they were talking about. They did not. They responded saying they couldn't give out that information and that I wasn't eligible for the promotion because it expired in XXXX, and I signed up on XX/XX/XXXX. I closed my account. It was a bait and switch. This is a copy and paste of my emails to them. 1st email " I received an email saying my Venmo account had been frozen. It said something about violating the user terms. It asked for my ID. I went to the link and uploaded pictures of the front and back of my state ID. I just started this account because your company offered me {$10.00} to join. I figured I'd wait until I got the {$10.00} put into my account, as the invitation stated, before using Venmo, just to see if it was a real offer. So, there's been no use of the account that would violate your user agreement. Just me joining, downloading the app, and having Venmo verify my checking account. So, what violation took place? Will you still be depositing {$10.00} into the account within 30 days? I'm suspecting this is Venmo 's way of getting out of the XXXX dollar offer, by saying somehow, because the account got frozen during the first 30 days, the offer is no longer valid. We'll see I guess. The question still remains though. What violation caused my account to be frozen? Please email me with a response, or call. '' 2nd email " You'll need to contact me with the specific reason my account was frozen. You asked for my ID, so I sent pictures of the front and back. The account hasn't been used. I wasn't going to use it until after I saw the {$10.00} deposit into my Venmo account that I was offered by Venmo to join up. I'm suspecting this is Venmo 's way of getting out of that obligation. I'll wait and see. This is the request I just wrote to your support team, and then got an immediate reply that didn't address my issue. " I received an email saying my Venmo account had been frozen. It said something about violating the user terms. It asked for my ID. I went to the link and uploaded pictures of the front and back of my state ID. I just started this account because your company offered me {$10.00} to join. I figured I'd wait until I got the {$10.00} put into my account, as the invitation stated, before using Venmo, just to see if it was a real offer. So, there's been no use of the account that would violate your user agreement. Just me joining, downloading the app, and having Venmo verify my checking account. So, what violation took place? Will you still be depositing {$10.00} into the account within 30 days? I'm suspecting this is Venmo 's way of getting out of the XXXX dollar offer, by saying somehow, because the account got frozen during the first 30 days, the offer is no longer valid. We'll see I guess. The question still remains though. What violation caused my account to be frozen? Please email me with a response, or call. '' So again, I'll await a response. The way this is handled will help determine if I'll be using Venmo in the future. Please remember to address my main question. What violation took place causing you to freeze my account and request that I upload my ID? Please also address the following questions ; Where the pictures of my ID received? Is my Venmo account still frozen? Did this action make the {$10.00} dollar offer to join invalid now? Thank you, XXXX XXXX XXXX XXXX '' After that they sent me an email saying the account was unfrozen and could be used, but didn't answer my questions. " XXXX XXXX, Thank you for sending that information to help verify your identity! We have unfrozen your account and you should be able to use Venmo as normal. We apologize for any inconvenience this situation may have created. Please let me know if you have any additional questions. Account XXXX '' So I wrote a third email. 3rd email " Hello, You say the account is no longer frozen, and it can be used now. However, you'll need to contact me with the specific reason my account was frozen. You asked for my ID, so I sent pictures of the front and back. The account hasn't been used. I wasn't going to use it until after I saw the {$10.00} deposit into my Venmo account that I was offered by Venmo to join up. I'm suspecting this is Venmo 's way of getting out of that obligation. I'll wait and see. Please address the following questions ; What violation of the user agreement took place causing you to freeze my account and request that I upload my ID? Did this action make the {$10.00} dollar offer to join, invalid now? Thank you, XXXX XXXX XXXX XXXX '' Their response, " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi XXXX, Thank you for contacting us. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. Because of that, I'm afraid I'm unable to share much more than I've already shared. Unfortunately the promotion has expired on XX/XX/XXXX and you have signed up on XX/XX/XXXX. We will not be able to credit the promotional amount. Please let me know if you have any additional questions or concerns, bearing in mind that we can't divulge much beyond what we've provided here. Best, Account XXXX '' I closed the account due to their lie/fraud. I believe they owe me the opportunity to start an account without hassle, and the opportunity to receive the {$10.00} put into my account, just as they advertise on their website. You can go to their website and see for yourself that they are actively advertising a {$10.00} offer to join. And you can see from this complaint how they are using the old bait and switch. Fraud. This is the link https : XXXX These are the Terms to their promotion. {$10.00} Signup Offer Terms : Eligible Participant : Open only to individuals who ; ( 1 ) are residents of any one ( 1 ) of the fifty ( 50 ) United States or the District of Columbia, ( 2 ) are eighteen ( 18 ) years of age or older, ( 3 ) have a U.S. personal PayPal account during the Offer Period, ( 4 ) create a new U.S. Venmo account ( Valid Account ) during the Offer Period ( defined below ), and ( 5 ) receive an email, or view a banner from PayPal inviting participation in the offer, or click through a social or paid media asset highlighting the introductory offer ( Invitation ), ( eligibility for/those who receive the Rewards will be determined solely by Venmo ) ( Eligible Participant ) .Offer Period : Starts the date the Eligible Participant receives the Invitation and ends 30 days after Eligible Participant signs up for a Valid Account ( Offer Period ) .How it Works : An Eligible Participant must successfully complete the following during the Offer Period to qualify for a Reward ( defined below ) : ( 1 ) Click through the Invitation and sign up for a Valid Account through the dedicated link on the campaign landing page ( XXXX XXXX XXXX ) ( Campaign Page ), and ( XXXX ) During sign up, make sure to add and verify your phone number for your new Valid Account.Once sign up has been successfully completed through the Campaign Page, and verified by Venmo, {$10.00} ( XXXX ) USD will be sent to Eligible Participants Valid Account ( Reward ). Reward should be added to Eligible Participants Valid Account in 30 days but may be available sooner. There is a limit of one ( 1 ) Reward per Valid Account. Miscellaneous : Valid Account must remain in good standing from the time of participation through Reward fulfilment to redeem a Reward, as determined in Venmos sole discretion. Venmo may provide an alternate reward of equal value if it is unable for any reason to fulfill the Reward. Venmo reserves the right to cancel, suspend or modify this offer in part or in its entirety at any time without notice, for any reason in its sole discretion. Similar offers may run at the same time ; qualification for this offer does not constitute qualification for any other offer. Venmo is not responsible and/or liable if any e-mail, Reward, Qualifying Transaction, or offer-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participants e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without participant giving prior written notice to Venmo. Venmo reserves the right to review any account or transaction related to this offer, in its sole discretion, without notice, and delay or reverse completion of the Reward. Offer is void where prohibited and if Qualifying Transactions are fraudulent, abusive, not completed through legitimate channels, or irregular in any way. Certain offers may not be transferable. Participation is subject to the Venmo User Agreement. Any questions relating to the offer will be resolved in Venmos sole discretion and its decisions related to the offer will be final and binding. As you can see, I have grounds for a Valid complaint. All I'm seeking is the ability to sign up without hassle, and receive the {$10.00} Reward. Who knows, I may end up a satisfied customer in the end. For now though, I'm a ripped off consumer with a Valid complaint. Please help. Let me know if you need any more information from me. Please contact me about this by either email, phone, or text. Thank you, XXXX XXXX XXXX XXXX | ||||||
| 04/01/2019 | Yes |
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| on XX/XX/XXXX XXXX i sent the following to PayPals general complaint email ( XXXX ) outlining my concern and accepted resolution. -- -- -- -- -- Email begins On XXXX XXXX XXXX I sold 2 XXXX XXXX XXXX via XXXX to another company doing business as XXXX XXXX XXXX. I received payment for my XXXX XXXX via the PayPal service. After I received the money into my PayPal account I shipped the 2 XXXX XXXX to my buyer and immediately updated XXXX with tracking which is supposed to be mirrored on PayPal relieving the seller of needing to update both XXXX and paypal. Everything was fine up until XX/XX/XXXX When I logged into my PayPal account. PayPal told me my account was frozen and I could not have access to my money! PayPal accused me of " suspicious activity based on recent changes in my account upon calling customer service I was told that I never shipped my items which was not true but apparently at some point the link between XXXX and PayPal failed. Paypal asked me to submit a copy of my ID, proof of shipment, business credentials & supplier info. I did this and PayPal still won't let me have my money! I contacted PayPals customer service number -- I was transferred to a member of the account resolutions team and initially the rep stated that more info was required he put me on hold for approximately 5 minutes and came back stating that they no longer need the info and it will be submitted again for review and I should hear something in three business days. took them three days to reply. I called PayPal TWICE -- On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The first time the customer rep ( XXXX -- he would not give me his last name or an employee number or anything ) told me that everything looked good and I should get a response by the following day. I then called PayPal again being I heard nothing about restoring the account and a customer service representative ( XXXX ) stated that my account was permanently limited & I could not use PayPal anymore despite the fact that at the time I hadnt received 1 email or notification within my account stating this, instead my account remained temporarily limited until XX/XX/XXXX when I received the email stating the account was closed for security issues when no security issue was brought to my attention ever, initially the issue was that PayPal noticed significant changes in my account however, there were no changes made to my account. Then I was told it was because PayPal didnt receive any proof of shipment and the narrative morphs one last time into a mysterious security issue. PayPal will not even provide me with evidence showing me what this " suspicious activity was. '' But I had to supply PayPal with plenty of very private information! In the end to refuse to give me my money back! After looking into the issue as to how something like this could happen to me I soon found out that I was not the exception to the rule and PayPal has made this Ponzi scheme where they hold ones funds by providing bogus reasons to limit their account for up to 6 months and invest these funds that belong to XXXX sellers in a high interest earning account and pays back the seller with another sellers funds from a product or service that they paid for with their hardworking money and or put time into be it by providing a service or simply setting up the XXXX account and working hard responding to potential buyers and providing great customer service and the seller isnt entitled to any of the profit from their money PayPal uses to gain interest on. This alone is not acceptable but it gets worse, PayPal is not FDIC insured so if within these 6 months something happens to the company the buyer is happy with their product PayPal took their fee from your money and made even more money off of it and you will not ever see a dime if for instance the company collapses during the absurd 6 month hold time resulting from a deliberate 6 month return policy that no other company has with the exception of XXXX which gives their customers 12 months to return or exchange a XXXX branded product but this is clearly different because they in no way shape or form are able to profit from this policy unlike paypal. XXXX are some additional findings Ive uncovered : We have not reached profitability to date. We have accumulated net losses of {$230.00} XXXX ... ''. PayPal continues to say, " We intend to continue to make significant investments in our systems, infrastructure and customer service operations. '' So you are operating at a loss, but continue to invest funds into your company. Where do you think that money is coming from? Why do you hold on to MY money for so long? Is it a Ponzi scheme? Freeze millions of dollars of customer funds for 6 months, use those funds, then pay back those people by freezing the funds of other customers for another 6 months? Chooses to accept MY money and business and then charge me guilty until Ive proven my innocence! Millions of accounts frozen and millions and millions of dollars of other people 's money sitting in PayPal 's bank account. There is no question that PayPal employees with PayPal accounts know how to manipulate the system. Since they are poorly trained and poorly paid, you can bet PayPal employees are out there committing fraud. Do you know who is REALLY buying from sellers on eBay ( could it be a PayPal employee intent on taking my product AND my money? ). PayPal fraud doesn't stop there. PayPal says that, " The large volume of payments that we handle for our customers makes us vulnerable to employee fraud or other internal security breaches. We can not assure you that our internal security systems will prevent material losses from employee fraud. '' CUSTOMERS ARE VULNERABLE TO EMPLOYEE FRAUD OR OTHER INTERNAL SECURITY BREACHES. WE CAN NOT ASSURE YOU THAT OUR INTERNAL SECURITY SYSTEMS WILL PREVENT LOSSES FROM EMPLOYEE FRAUD. I don't recall seeing that anywhere in the PayPal User Agreement. Do you? PayPal admits that it is subject to consumer protection laws. " We are subject to state and federal consumer protection laws, including laws protecting the privacy of consumer non-public information, prohibiting unfair and deceptive practices ... ''. Okay, if this is the case, then why do you break them every chance you get? You do not disclose all of the terms of doing business with us in your own User Agreement. The User Agreement you make me agree to is one sided, contradictory, and designed to XXXX me out of my money! I dont mind the account being permanently limited but Im demanding my funds be released immediately and made available for me to transfer into my account through an instant transfer to my debit card, ill even pay the fee. If paypal fails to comply in a reasonable time I will take action and contact all relevant state and federal agencies to include but not limited to : The Consumer Financial Protection Bureau The Virginia State Corporations Commission Virginia Office of Attorney General California Office of Attorney General The United States Federal Reserve XXXX XXXX XXXX however, i feel its only fair to allow you the opportunity to correct this issue directly, id like nothing more than to get access to my funds and move on. Kind Regards, XXXX XXXX Sent from my XXXX -- -- -- EMAIL ENDS ON XX/XX/XXXX XXXX a message was sent to XXXX XXXX ( Customer Solutions Group Leader ) -- -- -- -- -- -EMAIL BEGINS Greetings, XXXX Thank you in advance for taking the time to resolve my issue. ( Disclaimer : Nothing against you, Im sure youre probably a great individual. ) Im writing you this email because in short PayPal is XXXX me every second of every day that passes by until I regain access to funds that belong to me in which PayPal has already taken processing fees for and is now using to profit from. I want my funds to be released immediately! If further clarification is needed please see attached thread. XXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. -- -- -- -- -- -- -EMAIL ENDS A message was sent on XX/XX/XXXX XXXX to XXXX XXXX ( COO ) -- -- -- -- -- -- EMAIL BEGINS Greetings, XXXX I have failed to receive a response from the below addressed. Hoping to achieve a resolution with you. XXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. -- -- -- -- -- -- -- EMAIL ENDS On XX/XX/XXXX a final email was sent to XXXX XXXX ( President & CEO of Paypal ) -- -- -- -- -- -- -- -- EMAIL BEGINS Spoke with CSR XXXX at XXXX requested to either have my funds released or my product returned. XXXX stated it seems the customer is happy with the XXXX XXXX so as long as this is the case they can keep it. Then if its been determined the customer is happy with the XXXX XXXX why are my funds still on hold? Transferred to manager at XXXX in limitations Dept stating that theres a risk involved in releasing the funds for merchants who are no longer customers because if a chargeback occurs they are no longer processing transactions so the risk of getting the money is higher. 1st of all just because a merchant is a PayPal customer doesnt mean they will continue to process payments with PayPal they can have their funds released transfer the money and change the bank accounts and debit cards and close the account most of these things cant be done by a merchant that is permanently limited as I am and its obvious based on my example given that my risk is actually less than the risk associated with a merchant whom is no permanently limited and XXXX response makes no sense and it is just another excuse to keep my funds to profit from. The buyer is a business who has already resold my product so why are my funds on hold? At this point I do not wish to wait any longer for my funds and I either need PayPal to release my funds or have my product returned. This is my final attempt to have this issue resolved directly through PayPal and I will contact the appropriate federal and state regulators beginning XX/XX/XXXX at XXXX if PayPal fails to release my funds or return my product. -- -- -- -- -- -- -- -- -- -EMAIL ENDS It is now XXXX and paypal is still blocking me from accessing my funds and is using it to profit from. ive paid them to process a transaction and they kept the funds after i sent the customer the product and 5 months later still they are profiting from those funds while i have bills to pay and the customer is happy with the profits from the product i sold them and they resold. | ||||||
| 07/03/2018 | Yes |
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Web | Older American |
| XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX RE : Forgery and Fraud and Thievery PayPal - XXXX and XXXX XXXX To Whom this Matter does Concern : Back in XXXX XXXX, I purchased a " car part on XXXX, which only cost {$11.00} '' however I cancelled the order at that point I had no issues the order was cancelled with no problems, in about a week I noticed another debt to my account of {$1300.00}. I NEVER ORDERED THIS MERCHANDISE FROM THIS VENDER ( XXXX XXXX ), It became apparent THEY XXXX XXXX HACKED/ STOLE MY DATA and passed it along to their partner company ( XXXX XXXX AND XXXX XXXX ) created a FRAUDULENT PURCHASE from my stolen info and accessed my info TO MY XXXX and PAYPAL ACCOUNT STOLE THE INFORMATION, CHARGED IT TO MY PAYPAL ACCOUNT THEN DEBITED MY XXXX BANK CARD THAT WAS ASSOCIATED TO THAT ACCOUNT - I did not order these products and it happened right after the car part was ordered on XXXX WHICH XXXX XXXX used to XXXX funds. MY SSA CHECKS ARE DEPOSITED INTO THIS ACCOUNT Original delivery receipt # From XXXX : XXXX XXXX XXXX After the Fraudulent sale was contested, and the sale was reversed - a week later the computers showed up at my XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and was inadvertently accepted. Unfortunately the proprietor was unaware of the fraudulent activity / transaction. FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, SC XXXX - No Record on file ( Not a Corporation ) must search dba, and in SC its not mandatory to file a dba XXXX XXXX C XXXX XXXX XXXX., XXXX , AR XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, AR XXXX - XXXX Website Registrar HAS OFFERED them HIDDEN BY THE COMPANY so that you / a dissatisfied customer can not locate the party or parties of interest in order to serve and then sue the proper individual/s NOT REMINISCENT OF An HONORABLE COMPANY one has to sue them to lift the veil to the company ownership SUE THEM ... The Beginning of the FRAUDULENT TRANSACTION This MY XXXX account was hacked. Then by means of it and through that account - I don't have or use except for the car part on XXXX for XXXX, which was cancelled ( no further problems with the car part cancellation ). Now the XXXX XXXX won't lift a finger to remedy the fraud and return my money, leaving me and my account in a world of hurt ; my Insurance, car payments, LIVING EXPENSES ( ALL MY SSA CHECKS are made directly into this account ( info in complaint ) through this account Players, Victims, ENABLERS in the Fraud They ( XXXX XXXX ) has left the remedy in the hands of the XXXX XXXX ( the perpetrator in the offence ) and myself to fix. My question is why would they have any such interest in fixing the fraud, when they stand and to date have profited by such fraudulent activity. PAYPAL AND XXXX They seem to have noticed the FRAUD but only notified me, TOO LATE for me to protect myself ONLY SENT an email notifying me of the unusual activity in my accounts, which was already too late the XXXX XXXX did not stop the TAKING Of my FUNDS FOR A/ THE FRAUDULENT TRANSACTION. Paypal and XXXX were both alerted and I confirmed to both companies that there was INDEED FRAUD THAT HAD TAKEN PLACE and that both companies had been and allowed my account to be hacked and merchandise was easily and fraudulently ordered, sent to my mailing address ( which gleaned from both XXXX and Paypal ). Also both companys promised protection and restitution i.e., no harm and or no fault would come to the this end user. They continue to prompt me to update my banking information, at this point, I will not update my information and provide this suspect hacker with any means to further bring me financial harm and reuination. On XX/XX/2018 while on the phone with XXXX XXXX the rep explained the delay was taking so long was XXXX ADMITTED THAT A PROBLEM has occurred with their ordering system. an that was why the refund had not taken place as stated. REFUNDS The company ( XXXX XXXX ) - CONTINUE EVADING MY REFUND THEIR DOMAIN expires on XX/XX/XXXX - I suspect they will not renew, cease to exist and disappear without refunding a dime of the money they stole. The hint is that on every open transaction has a expiration date of XX/XX/XXXX - its becoming obvious that something is VERY WRONG! They promise 24 to 48 hour refunding, but then they roll it out to 5 to 7 days once they get the merchandise back. The package delivery was checked and confirmed, Day 12 and counting down - XXXX XXXX states on their website that once the merchandise is returned they will issue a refund of my funds it never happened, neither XXXX or Paypal have stood up to this defrauder and neither company has honored their security and or refund protection policies. Both have been notified and neither have stepped up to protect or make the/this consumer whole. Therefore I strongly recommend that one give very seriously reconsider doing business with or through any of these entities in the future and file complaints with the appropriate authorities. Im extremely suspect that this company ( XXXX XXXX ) operates so borderline ethically, I would consider them a criminal financial XXXX organization, i.e., Where are they getting the merchandise, Where are they getting the money to buy it, Why do they not refund people money when they followed all the prescribed policies and follow the return and refund instructions to the letter and the company continues to skirt the law and abuse the public trust. ( read the notes therein ) Feel free to view the fraudulent guise of a legitimate company as they continue to hold our the hope of getting restitution and compliance with their return and refund policies. They LOST or conveniently misplaced RETURN ( RMA ) LABELS - Claims But then they misplace the labels and not even knowing where or who issued the rma labels, I SURMISE ANOTHER RUSE TO KEEP THE MONEY THEY STOLE BY offering an excuse why they cant or havent yet returned my money, ego partially refunded STATEMENTS see THEY SEEM TO HAVE DEVELOPED AN ARTFULLY CONTRIVED SYSTEM FOR KEEPING THE MONEY THEY STOLE BY evasively offering excuse after excuse after excuse about why the client hasnt received their refund in hand.. My guess is that they continue this ruse until they decide to fold or close down the operation and disappear with the victims HARD-EARN MONEY AND NOTHING BUT DEAD ENDS. I might add this crime was perpetrated against a XXXX XXXX citizen with very limited income, who would never submit to such a high price purchase on my limited income, for such a frivolous purchase. Fraud is fraud regardless, and thus company is the worst here 's the have they continue to perpetuate on meXX/XX/XXXX11 days after they got their merchandise back from me. Still I havent received anything back i.e., my refund of XXXX from them, Paypal or XXXX nothing but bogus comments ( stating that the money is refunding it has not been refunded ) and or partially refunded, etc., again they have the merchandise and kept the money {$1300.00} It is CRIMINAL AND SOMEONE SHOULD PAY BACK THE MONEY STOLEN AND someone, if not all of these crooks SHOULD GO TO JAIL- THESE THIEVES HAVE PUT ME IN A VERY DISPARATE SITUATION AND RENDERED MY DURESS - by putting me in now been put in harm 's way, as my car payment, dental and doctor plus our prescription drugs and car insurance payments come directly through this account and will be put in severe jeopardy if not put straight Any rate XXXX XXXX the perpetrator of the fraudulent incident, followed up by sending me two laptop computers associated with the fraud in my opinion to give the theft the color of legitimate - it was not it was fraud from the get go. Now the company XXXX XXXX is stating that they will not be returning my refund for 7 days, another bit of Fraudulent activity and a departure from their normal policy Of 24 to 48 hours to process my refund of my XXXX stolen money. Another problem was in contacting customer service to get an update on the status of my claim for a refund. It took them :40 minutes to get on the phone and give me the bogus 7 day return quote Assistance Please, P.S. ALL MY FEDERAL SSA MONTHLY PAYMENTS ARE HELD IN THE ACCOUNT THESE TWO COMPANIES HACKED INTO Thirteen days after they said I would get my stolen ( only way I can describe their actions XX/XX/XXXX - Asked of XXXX XXXX-Where 's my refund? Do I need to go to the government authorities in order to resolve these issues I have with you, your company - From what I see your handling this matter in the most unprofessional manner, borders on dishonest, smells like a scam and a highly sophisticated means to scam the public XX/XX/XXXX - I was told that their system WILL NOT ALLOW a refund to my account, the account where they generated the fraudulent sale and or purchase. Their suggestion that I REMOVE MY BANKS REQUEST FOR PROOF OF REFUND - I cant and have been advised NOT TO DO SO,. P.S. Your Customer service put me on hold for over 30 Minutes, said they were going to transfer me and left me hanging on the phone. Strongly believe paypal was a use as a flow through to commit the fraud Something is seriously wrong with this company and their activity they should investigated, they do this often from what I found in my limited research CONTINUED FRAUD : They continue to fail to refund my money {$1300.00} one excuse after another, My bank claim in place and they tell me, they cant refund my money, while to bank claim is in place? They want me to remove my complaint to the bank, have the Bank remove the claim and in ANOTHER 5 TO 7 BUSINESS DAYS THEYLL REFUND MY MONEY - the claim has been ongoing since XX/XX/XXXX and no resolution in site. PayPal, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX PAYPAL , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX POSSIBLE RICO SCAM Addendum XX/XX/2018 Other suspect actors Primary : XXXX XXXX XXXX Suspicious XX/XX/XXXX XXXX Ordered but then cancelled car part order. Believed they are owned by the same owner and shortly after the car part order was cancelled the computer orders were placed. | ||||||
| 04/10/2018 | Yes |
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Web | |
| please help ... paypal will not give me my money back, i have been on hold for days waiting for someone to get back to me since last last week straight after we spoke i called & spoke with a female agent there at paypal that assured me that these would be taken care of & posted back to my card by XX/XX/XXXX, and so here i is XX/XX/XXXX & i'm calling back and no one there knows what i'm talking about & so after about a half hour or so of giving them evidence and going back & forth with them & finally convincing the agent, she says she has to transfer me the another department ... and thus i wait on hold seriously for 3 hours & counting i just got out of the hospital the other day & had some XXXX XXXX & complications not only is sitting here having to spend my time like this not my cup of tea, but just not very comfortable at all and i'm in alot of pain. this is not at all how i expected this to go ... i thought it would just be a quick confirmation & things would be taken care of, but this is & this has been absolutely ridiculous & the worst customer service ever. please read & try & understand the issues here, my account has been unfairly limited & your holding on to my money that needs to be returned to me. your agent assured me that it would be returned to my funding source by XX/XX/XXXX & here it is XX/XX/XXXX & i can't even get anybody to talk to me. i spend all day on hold everyday & just being transferred around to different departments telling my story over & over were everybody just pretends like they just don't know what i'm talking about at all or just end up telling me that thats not there department & there's nothing they can do for me & transferring me again where i spend another 6 hours on hold until i get disconnected or my phone dies & this is just absolutely ridiculous & beyond absurd. i have 100 % positive feedback on ebay & have always been a good customer & this is a big huge mix up & misunderstanding & has just gone on for far to long & is costing me alot of business & you as well, but the bottom line is i dont care weather you want or value my business anymore or not because i really can't say i like the way you all have treated me one bit, but what i can say is that you do have to give me my money back & are obligated to do that. now enough is enough, please stop playing these childish games with me ... i'm not here to rip anybody off or rob any banks or do any such foolishness & i have always been a good customer, this is just a big misunderstanding & a big mix up & if you were in my shoes & a customer as well you would understand but all your seeing is numbers read by some computer, not situations or realities or any kind of validities as i have done nothing wrong here, but use your buyer protection on legitimate cases. and as you can see perfectly well on ebay i have 100 % positive feedback as a buyer & seller for years now & am not here to scam anybody, but whatever, it is what it is ... you can choose to take a look at it or not, its up to you, you can see it how ever you want to ... but the bottom line is you & your agents can't keep lying to me & holding on to my money the way you have been as there is no reason in the world for telling someone that there money will be in there account by XX/XX/XXXX, and then i call you back on XX/XX/XXXX because it's not & you wan na act like you dont know what the heck i'm talking about & then after i have to jump through a million hoops & finally prove it to your agent, then she wants to tell me that because my account is limited, my money can not be accessed & will not be returned. what kind of monkey business is this??? just return my money to the same funding source in which it came, simple as that, thank you very much. its the same as you did for the same sell with the other group of transactions, look there is no reason in the world for this or for this to have happened at all. i was refunded by ebay for like XXXX transactions or so from the sames seller XXXX and they all posted back to my account like straight away accept for these two that your holding on to, and i need you to please release them back to my funding source as your original agent promised me they would be by XX/XX/XXXX & Now its all this non sense. 1. PayPal transaction ID XXXX : Completed on XX/XX/XXXX in the amount of XXXX AUD. 2. PayPal transaction ID XXXX : Completed on XX/XX/XXXX in the amount of XXXX AUS. {$17.00} XX/XX/XXXX cell.expert Please Return & Refund My Money ... Thank You. Re : Item : XXXX Return Update SR # XXXX XXXX / Sent XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX Item : XXXX Return Update SR # XXXX Hello XXXX, I hope your XXXX went well and you are on the road to recovery. I am writing to you in relation to the return you opened for the item : 'Men 's Red Ripped Jeans Pants Biker Classic Skinny Slim Straight Denim Trousers ' that you bought from the seller : XXXX. I reached out to the seller to try and have this matter resolved before your XXXX but unfortunately they were unable to do so. So I contacted our cases team today, because the seller is based in XXXX they have placed the case on hold and given the seller 5 days to finally organize a returns label for you or for a courier to collect the item. If they have not resolved this after the 5 days we will be closing the case in your favor and issuing you with a full refund. I will continue to monitor this and make sure that it doesn't cause any more inconvenience or stress especially with you recovering. Thank you for your time and cooperation XXXX, I will be in touch again over the next week. Regards, XXXX XXXX Concierge - My XXXX Account Has Been Wrongfully Limited & Suspended Due to Being Wrongly Accused of Excessive Claims, But Instead of Seeing Me as a Statistic & Always Trying to Hold onto My Money, What They Need to Do is Look at Me as a Person & a Customer, as I Have 100 % Positive Feedback on XXXX as a Buyer & a Seller & Do Alot of Transactions & That Being Said, There Are Going to Be Some Bad Apples, and They Need to Look at Both Sides of the Coin & Each Case Individually as I Am Not Just a Number, Look I Had 18 Items Undelivered I Oped Up Claim Cases for, They Said That Was a Red Flag in There System as too Many Claims at One Time & I Had Already Supposedly Been Sent Warnings About Excessive Claims, But When They Pride Them Selves on Having Such Great Buyer Protection then There is No Reason in the World that I Should Be in the Predicament that I'm In. And There is No Appeal System at All or Anything, No One Will Even Listen, I Just Keep Getting All These Automated E-mails Back Saying That Your Appeal Has Been Denied, What Appeal ... No One Will Even Talk to Me, Listen or Even Read or Look at One Piece of Evidence or Information That I Have Sent Them, They Just Keep Telling Me That Once a Decision to Limit Your Account Has Been Made That It is Final. But This is Crazy, Because the Decision is Unfair & Unjust & Totally Uncalled for & My Claims & Have All Been Legitimate & Even Granted & Approved By Paypal, And Speaking to Agents They Have Even Told Me They Understood & Would Have Done the Same Thing in My Place But That There Was Nothing That They Could Do, That Was Just There Policy, I Mean What the Heck, Anybody is Gon na Wan na Try & Get There Money Back & as Soon as Possible & Nobody Likes to Get Ripped Off, Thats Not Abusing the System Not One Bit & All I Want is a Fare & Proper Appeal. I Didn't Do Anything Wrong Here & I Don't Know What They Are So Afraid Of??? I Am Not a Criminal, I Am a XXXX Person with a Limited Income who Just Wanted My Money Back as Soon as Possible So That I Could Move On & Do Other Business & Just Didn't Wan na Get Ripped Off, I Was Only Trying to Cover My Own Back, They Say They Offer Buyer Protection & Now Its Just Turned Into Persecution!!! AND THERE HOLDING ONTO MY MONEY WITH NO RIGHT TO DO SO AS WELL. PayPal appeal denied XXXX / XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Hello XXXX XXXX, For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. We are making every effort to minimize any disruption to your business. If your PayPal account balance is XXXX, and you have no unresolved buyer complaints or chargebacks, your account will remain limited. Your account has been limited for excessive claims -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, We've limited your account because of the excessive number of claims you're involved in. We recently emailed you about this issue. Our records now show that since emailing you, you've continued to be involved in an excessive number of claims. This is considered abuse of our Buyer Complaint process and violates the PayPal User Agreement. As a result of this limitation, you can't send or receive funds. Log in to your PayPal account and go to the Resolution Center for more information. Sincerely, PayPal *** WHAT ARE THEY AFRAID OF, WHY WON'T THEY EVEN LISTEN??? - Also, Understand That Basically the Only Way to Contact Paypal is Through Their Website & All Messages Are Deleted After 60 Days So I Am Supping You With Most of Everything I Have I Do Have Alot More But It's In Text Form, I Went to Take Screen Shots from Their Web Site & EVERYTHING is Gone!!! It Seems I Have Used Up Most All of the Space Here for Text, So if Additional Information is Still Needed PLEASE Do Contact Me as I Have More, But I Could Not Fit It & I Have Provided You With as Many Screen Shots as I Could Gather Today But Please Do Not Hesitate if Anything Else Specific is Needed, as These People & There Game Playing with Peoples Accounts & Money Must Stop, Their Agent Already Lied to Me About When My Money Would Be Returned & Now There Are Telling Me Another 180 Days When She Told Me It Would Be Back on My Funding Source By XXXX. * Please Read Text & See Attached E-Mails, Ect. Thank You Very Much & Any & All Help is Most Truly Appreciated - Thank You. | ||||||
| 12/08/2017 | Yes |
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Web | Older American, Servicemember |
| I have been a Paypal customer (buying and selling) since at least XX/XX/XXXX. Recent events, see below, caused me to lose confidence in PaypaI and seriously question their ethics. Paypal, who by their own admission, put the money I received from a "buyer" on temporary hold, bringing my account to negative, while they are "investigating the claim. In the meantime, Paypal transferred around $5.20 unauthorized from my bank, calling it a "charge back". Paypal collections department has also harassed me 3 + so far to transfer the "funds", they have put on "temporary hold", while they are investigating this clearly fraudulent claim. I put a debit card lock on Paypal via my bank, who acknowledged that Paypal "is very bad". The buyer has not returned the item I sold her and which was delivered in good faith with USPS tracking information and insurance. And included in this "temporary hold" by Paypal, Is the USPS shipping and insurance . I put in a mail fraud claim against "buyer" and Paypal with the USPS OIG I sold a knitting machine to "buyer" via one of my XXXX XXXX XXXX groups. Said "buyer" paid via Paypal and her business name "XXXX XXXX XXXX XXXX " on XX/XX/XXXX at XXXX XXXX PDT See paypal confirmation: Transaction ID: XXXX Payment Status: Completed Payment Type: Personal Payment Gross amount $XXXX USD On XX/XX/XXXX Paypal informed me that "buyer" canceled payment and put in a what I consider fraudulent claim against , see details and my response to Paypal resolution dept below: Claim: Canceled preapproved payment Paypal Case ID: XXXX The buyer reported a charge for a canceled preapproved payment. Until this case is closed, we've also placed a hold on the transaction amount. After reviewing the info we received, we were unable to cover the payment in this case. However, we might be able to recover this from the buyer's financial institution. Once we file a case on your behalf with the buyer's financial institution, it could take up to 75 days to get a resolution. If we're able to recover the payment of $XXXX, we'll refund the money to your PayPal balance. Case detailsView case history Buyer information XXXX XXXX XXXX XXXX Transaction amount $XXXX Transaction ID XXXX Disputed amount $XXXX Dispute reason Canceled preapproved payment Your (me, the seller's) immediate response Date of submission on XX/XX/XXXX There is NO prearranged payment that would require cancellation. The buyer statement of submitting a cancellation is fraudulent. She bought and paid for a XXXX XXXX XXXX XXXX XXXX plus shipping and insurance on XX/XX/XXXX. This machine was delivered to her via USPS priority with tracking and she still owns it. She is therefore in possession of and owning this machine. There was not other charge and what she is stating is fraudulent. I did not invoice her again because she already had the machine and paid for it up front. She was also told that there will be not returns and in case of shipping damage, she is covered with USPS via the insurance she paid. I do not appreciate PayPal hijacking my money and there should be seller protection against such a fraudulent claim. In other words, now I am left without the machine I sold her and the money she paid for it, because PayPal took it from me. Open Cases and Requests - All Cases: XX/XX/XXXX to XX/XX/XXXX Type Counterparty Transaction ID Date Amount Reason Filed On Status Details Email Dispute XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $XXXX USD Recurring payment cancelled XX/XX/XXXX Open XXXX The following are My notes on Paypal's "actions" while "temporarily holding my account negative , are to receive calls and emails from Paypal collections department which I consider harassing and threatening to my sanity. It is extremely stressful. XX/XX/XXXX XXXX XXXX Paypal Collections Dept PC from XXXX or XXXX Wanting me to pay the $ XXXX. Etc that I owe AS PER PAYPAL NOTICE: you have a negative balance. Please transfer money to your account. Available (estimated USD value) -$XXXX USD Manage currencies I told the collections rep the history and that I will NOT pay any money that I dont owe. That its Paypals decision to hijack and make my account negative, while they are allegedly investigating this fraudulent claim. That I consider Paypals actions fraudulent and unfair as well, and I will spread it over Social Media if this issue is not fairly resolved How is this my problem? XX/XX/XXXX Buyer ordered and paid for a XXXX XXXX XXXX XXXX. The machine was shipped and insured against postal damage (proof exists in the from of pics, tracking and delivery confirmation) its exactly what she asked for XX/XX/XXXX or so Buyer wants to get her money back via a PayPal claim thats difficult to understand because it doesnt make any sense; I have not received any notice from her of any kind and she never returned the knitting machine. USPS tracking confirms that it was delivered to her via Priority at address she provided My response to Paypal is that this is a fraudulent claim under the circumstances, but they make my balance negative by $ XXXX while they investigate XX/XX/XXXX see my phone conv with Paypal collections dept To date I have not received the machine back from buyer, so I have double damage XX/XX/XXXX, doing my own investigation. No alleged XXXX XXXX XXXX XXXX has an internet presence. I alert all reachable XXXX knitting machine group moderators of buyer posturing as member , infiltrating our groups in order to defraud them XX/XX/XXXX I am in contact with buyer local DA to put in a fraud claim Conclusion so far: PayPal took it upon themselves to side with a fraudulent buyer by dinging my account with a charge back that I can ill afford. Thereby halting any moneys I can earn from sales, while they investigate In their recent update, they basically admitted this was a fraudulent claim (buyer bought a perfect XXXX XX/XX/XXXX and on XX/XX/XXXX claims she didnt get what she ordered; Told Paypal this is a fraudulent claim. In the update They promised to investigate and it could take up to 75 days and theyll approach buyers bank for funds) XX/XX/XXXX XX/XX/XXXX I sent email to explain : Paypal response: Email Us Thanks for reaching out to us. Please select the topic and sub-topic that best match your reason for contacting us. If the topics and sub-topics do not match your question, go back to Step 1 and select another option. Choose a topic Another one of My emails to Paypal: Your chargeback ie "temp hold" while you are "investigating" XXXX XXXX XXXX fraudulent claim. Be advised that I contest your attempt of extorting moneys from me on behalf of bringing my account up from negative, by having your collection department intimidate me into transferring moneys that I DO NOT owe. I also put in a complaint with USPS OIG for potential mailfraud formemost against XXXX XXXX since she never returned what she claims I owe her, and against Paypal for "holding" the shipping and insurance charges and trying to extort that amount from me. This isuue will now be investigated indepent and neutrally against Paypal and it's unfair practices. I also alerted my bank against Paypal illegally transferring moneys ($ XXXX to date), and they put a lock on my accounts. It is a shame that I must proceed against Paypal, I have totally lost confidence as a seller and buyer in Paypal, of which I have been a long time member. I will gladly provide additional info to speed up your investigation. BTW, XXXX XXXX received the knitting machine she ordered and paid for XX/XX/XXXX, delivered to her porch XX/XX/XXXX, XXXX, tracking # is Tracking Number: XXXX In the meantime I received another threatening phone call from Paypal collections and the most recent email from Paypal collections, see their email and my notes on this one below: From Paypal : About your PayPal Account 1 message PayPal Thu, XX/XX/XXXX at XXXX XXXX Reply-To: XXXX To: XXXX This message contains graphics. If you do not see the graphics, click here to view. Dear XXXX XXXX, This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is $XXXX. You still have time to resolve this issue by contacting us directly or logging into your PayPal Account today. However, further delays in resolving your account balance may affect the availability of your PayPal account and could cause your account to be referred to an outside Collection Agency. Please log into your account at your earliest convenience and follow the steps outlined below to resolve your negative balance. 1. Access your account at PayPal.com 2. Click the "Resolve your negative balance" link located next to your PayPal balance 3. Select the "Add funds to your account" option and click "Continue" 4. Select the "Add funds" option that best suits your needs and click "Continue" 5. Select your preferred payment method (Credit/Debit Card or Bank Account) 6. Enter the payment amount and click "Continue" 7. Click "Add Funds" Were here to help. If you have any questions regarding this message or you are unable to make a payment on your account, please contact us at XXXXto discuss your options. We are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern. If you have already resolved your balance, thank you and please disregard this message. Sincerely, PayPal Do not reply to this email. Please send all messages through the email form on our website. Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. XXXX - About your PayPal Account XXXX 1 of 1 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX I called PayPal collections dept XXXX in response to another one of their requests, their 3rd attempt (by email this time) to collect the money they say I owe. In it, they instruct as to how to transfer the owed funds to them. I was on hold, no one answered so I hung up by XXXX XXXX All the above has been stated as true and correct to the best of my knowledge I welcome any advise Sincerely XXXX XXXX | ||||||
| 01/11/2019 | Yes |
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Web | Older American |
| Ive been robbed by XXXX & PayPal, who paid no attention to the numerous problems I kept pointing out & explaining & they rushed to ruling in favor of the buyer, without any consideration of facts including serious conflicting advice Id been given by a PayPal supervisor. They instantly took my money & closed my case smack dab in the middle of XXXX & XXXX XXXX leaving me no option for Appeal! To Begin with, I have 100 % Perfect, Positive Feedback & there were Major problems in the way this Buyer & XXXX & especially in addition to the way PayPal has handled me, or Man Handled me if you will & Stonewalled me in this case! # 1. Why didn't the buyer make note of the damage with the XXXX driver at the time he took delivery of the package & why didnt the driver notice it. # 2. Why didnt the Buyer call XXXX & have the driver come back to make note of Damage even if it was opened even after the driver left. # 3. If there was that much damage, why didnt the buyer ever contact XXXX at all. # 4. The buyer claimed that only the cams were damaged & everything else was fine. # 5 I offered to send what amounted to about {$200.00} worth of additional parts which the buyer said he could use, & things I had left over from years of working on XXXX. So, I paid to send these parts out that same day to him priority mail knowing it should be more than enough to compensate him for any damage to the cams & should fully resolve the problem. # 6 Three weeks went by while I heard nothing else back at all & thought he was very happy & thought everything had been resolved. # 7 All of a sudden 3 weeks later, just before the 1-month deadline, he changed his story around altogether & changed his mind & starts claiming now that the whole cylinder heads no good, which is totally different from what hed said in the first place. Now he wants me to pay to return this 60 lb. item & give him a complete full refund, which sent me into shock. # 8 This guy never allowed XXXX to inspect the package & XXXX wanted to since day one with him claiming damage. Also, if it had to be returned, XXXX would have brought it back to me at N/C no matter what but giving him all the parts had me thinking he should be more than happy & that, that wasnt necessary! # 9. Why didn't he ever contact XXXX after I filed the damage clam with XXXX, I told him I had but he never contacted them back. XXXX finely sent me letter & said they closed since they never heard back from the buyer. # 10. He keeps showing the same picture which doesn't look right. He doesnt show any pictures of all the packaging. Or the 2-1/4 '' pieces of wood I had cut & fit to the inside top & inside bottom for additional protection of the head & parts. I don't see any pictures of the outside of the box showing damage or damage to the wood I had protecting that I'd expect to see! No pictures at all of any of that. I have to wonder more & more about whats gone on here! # 11. I kept going over this entire thing with XXXX & then also PayPal which I called initially about it & wanted to open a claim with them, but of course they advised me that the buyer has to start the claim. # 12. I brought this up with the buyer who didnt want to do that & claimed he paid with a credit card at which point I said well PayPal was used because they charged me {$6.00}. Right off the bat so they sure were used in the sale # 13. All this started taking hours & hours & has been very laborious. I have had to go over this over & over again now dozens of times because every time you call you get a new agent. This case so many problems that I was never comfortable unless the person I was speaking to had all the details & Id expect to get more help! # 14 Getting a new agent every time started becoming a nightmare & now hopes of getting more of a fair shake with PayPal, I started going over it with them. # 15 So I started asking for a supervisor with PayPal & began to go over the whole thing with them & starting by explaining with the fact that 5 months ago XXXX completely lost a different Accord cylinder head which I had sold on XXXX & XXXX lost it & never found it or recovered which cost me the entire sale & loss of the part & money for shipping I paid & caused me to have to make a full refund to the buyer, which I did & now it seems that they have done it again! # 16 As I went over everything in detail about this case & got down to whether PayPal was going to help me with my sellers guarantee this time & how XXXX was forcing me to make a full refund & also pay to ship this 60lb. Item back that the buyer was now claiming was no good at all, changing their story 3 weeks later & all that & wanting a complete refund. # 17 At this point the PayPal supervisor told me that I would be covered under my PayPal sellers guarantee & when I asked about XXXX demand on shipping the cylinder head back & re-explained how shipping around a worthless hunk of metal that weigh 's 60 lbs. is insane & would just be a total waist everyone involved & she specifically has advised me at that time before the XXXX case was closed to refuse & not accept the return. There were many other factors that we discussed that pointed to that decision as well, including the fact that my account states NO RETURNS right on it, So I think I have a right not to have it returned, especially because of this guy completely changing his story all around after 3 weeks! # 18. At that point in staying loyal to this PayPal supervisor, I put that in writing to the buyer to make sure that wasnt done & no one started to create shipping labels or incur costs for shipping it back that would in addition fall into my lap & all that was all still with the XXXX case open. I also got this supervisors employee number, So I have that & I know its all in the recordings & everything I was promised & also the advice I was given all on that same call me. # 19. Now at this point I also have no way of knowing whats gone on with the cylinder head. It could have been put on a car, used on it & taken back off by now, for all I know. Since I am not there to know everything that's gone on with it. I have no way to identify if its even the same one like how a junk yard would have had it engraved # 20 At this point I knew it was risky & was a gamble to sell & ship this thing thru XXXX & XXXX, but what I hadnt thought about carefully was having to gamblie on getting an honest buyer on top of everything else. At this point now, I can say Im positive I didnt get one. Now Ive had to even go thru him thumbing his nose at me & even go so far as to calling me stupid & brag about having the head assembly & all his money back now & how hes going right back to installing it as planned. Including saying he could care less about what happened to me on the deal! Also, when I ask to let XXXX inspect it still anyway, it took about 20 min for him to text the answer back for that one & he said his brother burnt the box up 2 days ago! # 21. So, after I went the extra mile to help this guy by paying to ship out & give this guy all kinds of extra XXXX parts, he said he needed & said he could use. I guess that kept him honest for about three weeks at which point he grew horns on his head & decided hed go for the juggler & go for broke with his lies & fraud. # 22. I have placed numerous calls back to PayPal & then numerous calls back to them requesting supervisors & with it getting harder & harder to get thru. I have been documenting the emp. numbers of them every time now as I dig deeper into the call where Id been promised help with my buyers insurance & advised to refuse the return which sealed my fate with the dispute. # 23. Ive had a PayPal account for 19 or 20 years with little to no problems in all that time, till now where Im looking for a one-time provisional credit but now the more, I call PayPal supervisors the less help I get & the more they disavow & stonewall me & the harder it is to get thru. All the proof of what was said is right there on my recording with the supervisor from the XX/XX/XXXX. # 24. Of course, now Ive been thru the shock of XXXX stealing & sucking the {$190.00}. Gross out of my act thru PayPal access & then XXXX charging me {$24.00}. In their % cut for the sale, even though there was no sale, only a rip off when they took a complete refund of the gross amt while giving the part to the buyer, the PayPal charge is still there from the {$6.00} taken out when the initial {$190.00} came in, which immediately became only {$180.00}. Which was all I ever received in the first place. Not only have I been ROBBED but now, after Requesting a detailed explanation for everything PayPal promised & where I requested they pull & listen to the call & calls where I was advised that I was covered by my sellers guarantee & also, not to accept the return, which changed the course of the whole case causing it to be closed against me, but I was counting on what I was told being real & the real truthNow, I get nothing but stonewalling from PayPal! All they do now is stonewall me. I get no answer, no response after 72 hours, no explanation, no emails, nothing in writing after requesting that over & over with supervisors & writing down all their numbers each time, nothing at all, Just Nothing, Crickets .I think one supervisors mentioned that I would need to subpoena the recordings of my calls. Again let me reiterate while that was ongoing the paypal supervisor who told me I was covered with my paypal sellers assd assurance also told me not to accept the return & to let them know that. So i informed the buyer of that, they closed the case in the buyers favor & took all the money back & since PayPal has been stonewalling & refusing to live up to what the first supervisor promised me & advised me, I have that supervisors ID # & know which call it was on the XX/XX/XXXX & so far after dozens of calls to PayPal they've denied & done nothing | ||||||
| 05/12/2021 | Yes |
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Web | |
| I have a dormant Paypal account since XXXX, I never had a business and it was largely used to make safe online purchases. XX/XX/XXXX : I logged onto my PayPal account to check my credit account on XX/XX/XXXX. To my surprise there was nearly {$25000.00} as 'money in '. Looking through the transactions, there were multiple deposits from a " XXXX XXXX '' and subsequent withdrawals in small increments onto a debit card ( VISA ending in XXXX, which is not my card ). ( See document 0 and summary of charges document 0A ). Near XX/XX/XXXX, there are similar deposits from a XXXX XXXX however I changed my password before any withdrawals could be made. Later on, those two deposits were charged back. I deleted this card ( VISA XXXX ) out of my account ( see document 1 ). I disputed multiple problems via the website including additions of email addresses, physical addresses and phone numbers off of my account. Furthermore, I checked my email why I was not informed on this. I saw that all the email notifications were sent to trash via an automatic filter ( someone had my email login ). XX/XX/XXXX, XXXX XXXX, XXXX : I disputed all the withdrawals from my account on the debit card through the online app, and within a few days every single dispute was denied and I was given a generic email stating " The transactions are consistent with your paypal activity. ( see document 2 ) XX/XX/XXXX Then, about a week later " XXXX XXXX '' disputed the deposits he made to my account and Paypal left a ( approximately ) {$19000.00} debt on my account as unauthroized use. ( see document 3 ) I called Paypal ( XX/XX/XXXX, unfortunately did not think to get representatives name/ID ). When they went through they mentioned that there were numerous IP addresses being used to make these deposits and transfers. Furthermore they noted someone had added their own address/email to my account ( which I had deleted earlier, however they have access to see all of it XXXX. She appealed the denials and opened the case. The very next day I got all denials to the appeal. ( see document 4 with case update and subsequent denials ). XX/XX/XXXX : representative name : XXXX ( case : XXXX ) I called back ( 2nd time ) and spoke with another person and had similar conversation as with the first, and again was told it would be reviewed. When I checked PayPal, the case was closed despite XXXX telling me there would be a manual review. I never got an email confirmation. ( see document 5 XXXX XX/XX/XXXX : representative ; XXXX ( supervisor, reference number XXXX ) I called back ( 3rd time ) and again discussed the case. After some review, the initial representative told me because the case was appealed twice there was nothing they could do and I could report to local law office. I demanded to speak with a supervisor, which I was eventually transferred to ( XXXX ). The supervisor saw the inconsistencies and yet again sent it to the 'back room for manual review. I did get an email confirmation this time however. I also emailed XXXX per their instruction to get further information on the denial documentation, they responded XX/XX/XXXX stating that the IP addresses were consistent with my activity ; however I have explained over and over that this is likely a spoofed IP address. ( See document 7 and 7a ) XX/XX/XXXX : representative : XXXX XXXX reference XXXX ) I called back ( 4th time ) and spoke with another supervisor who tried appealing the case in a different manner. The next day I got an email that some of the transactions were reversed and I did see that in my Paypal ( about {$5000.00} refunded ), however there was still about {$14000.00} which was negative. I figured they were working the transactions one by one and it would take time. ( See document 8 ) XX/XX/XXXX On XX/XX/XXXX, I got yet another generic email that the transactions are consistent with my account ; however, they still refunded part of the fraud. ( see document 9 ) I call again ( 5th call ) and ask to be transferred directly to supervisor : XXXX XXXX Case ID XXXX ). Initially, she tells me that the case was manually reviewed and was denied. I then ask that if it was denied, how can they reverse {$5000.00} of transactions Im disputing and deny the other {$14000.00} which is transferred to the exact same debit card. Then I went through the entire story again. She saw the IP addresses, the new numbers/addresses on my account and again went through all the transactions in question with me. She also found that XXXX XXXX PayPal account was compromised and therefore the chargeback was from his bank. So the cyber criminal has to be a 3rd party ( besides me or XXXX XXXX XXXX. She opened/appealed the case again. She told me she will put detailed notes for the manual review. Upon seeing the documentation, there is no information on it. ( see document 10 ) I also asked if she can see what bank and what name the debit card ( ending in XXXX ) is from. She states the card is under my name - XXXX XXXX and is from XXXX XXXX XXXX based in XXXX XXXX, CA XXXX. She said because the card was under my name, the transactions were likely closed as authorized. I called XXXX bank on XX/XX/XXXX and told them the situation, they had no accounts with my name or social security number. XX/XX/XXXX I get an email at about XXXX that they tried to call me to get information they needed but were not able to reach me ( See document 11 ). I checked my phone logs and did not see any calls from Paypal or the usual XXXX area code that Paypal calls from. Furthermore, the bottom of the email goes on to say If you're unhappy with a particular purchase, we encourage you to work with the seller to find a resolution. This has nothing to do with my case and makes it seem like the auditor had no idea what it is regarding. XXXX, XXXX I call Paypal ( 6th call ) and get in touch with XXXX. I go through the story again. He tells me the reason all the charges were not reversed was because the initial person XXXX XXXX XXXX only put a few of the transactions on the report. I offered to go through each transaction number and he obliged. He stated he had every transaction that was under VISA-6768 and it was reported. He also asked me about bank account ending it XXXX. I told him that is my account and those transactions were valid. He gave me a case ID : XXXX A few minutes later ( after we hung up ), I get an email that the case was to dispute a withdrawal into my bank account ( ending in XXXX ). There was no information on the 14 transaction IDs that I told him to report. ( See document 12 ) Within minutes, I called customer support again. I eventually get to a supervisor XXXX XXXX, employee ID XXXX ). I go through the story of what just happened with XXXX. She gets condescending with me and tells me my appeal has been disputed multiple times and that means I am wrong. I asked multiple representatives to speak with XXXX again, however they refused to give me his ID number or a call back from him. FRAUDULENT TRANSACTION ID 'S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closing statements : Through the above detail, it is apparent there is serious lack of communication within the PayPal dispute/resolution department. Despite multiple attempts to rectify the problem from the beginning, they continue to close the case with little explanation or reason. This is a severe disadvantage to me, the consumer, as I have no way to physically see or present evidence in front of an auditor ( and they do not allow any discussion with the dispute team which makes decisions XXXX. I have been told my representatives there is nothing else we can do and then a supervisor is still able to open an appeal, only to be followed with a generic response and closure of case. Furthermore, at one point there is partial resolution ( Refunding of about {$5000.00} - which means they realized there was fraudulent activity ), all fees ( {$70.00} ) and then the rest denied ( possibly transfer of case from one person to another ). Even more concerning is the conversation/lack of resolution with XXXX on XX/XX/XXXX. I spent nearly an hour on the phone and went through each transaction. He even reversed the Paypal fees right in front of my eyes and then in the end reported an AUTHORIZED transfer I had made to my bank account ( not the debit card ). They tell me that because the IP addresses used during withdrawals are consistent with my IP address use, they are denying it. However I have explained over and over again I do not own a debit card ending in XXXX from XXXX bank XXXX and I have also verified with the bank there is no such account under my name ). In my opinion I feel Paypal should verify if this account is mine themselves, however no one has offered this solution. I have had greater and greater difficulty with resolving this situation as the more times it gets appealed, the more difficult they make it for me. I reported that VISA-6768 which has withdrawn all the funds is not my account since XX/XX/XXXX however they continue to hold me accountable. In my last attempt to rectify the situation, I have also sent this information to their CFO, CEO, claims department and service department. I do not feel I can get any more resolution through their claims department and am therefore asking for your help. | ||||||
| 09/09/2021 | Yes |
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Web | |
| SUBJECT : UPDATE TO ORIGINAL COMPLAINT -- THEY ARE STILL ALLOWING THE MERCHANT TO TAKE MY MONEY IN SPITE OF RECEIVING MY REPEATED INSTRUCTIONS NOT TO AND RELATED WRITTEN DOCUMENTATION FROM THE MERCHANT. ___________________ After I submitted a complaint earlier today, I discovered I'm forced to add this addendum to it. ___________________ COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ___________________ As I was working on the complaint I submitted earlier today, number XXXX, I received additional email messages from XXXX that shows that they STILL CAN and ARE TAKING MONEY OUT OF MY PAYPAL ACCOUNT. ___________________ This is in spite of my long text-chat directly with XXXX on XX/XX/XXXX, in which they promised to both stop doing this and to refund previous unauthorized charges. ___________________ And this is also in spite of my long telephone conversation with PayPal on XX/XX/XXXX, in which I told PayPal that the charges were not authorized, and that I did not want XXXX 's services, and that XXXX did not and does not have my permission to take my money. In that conversation, I drew the PayPal rep 's attention to PayPal 's responsibility for XXXX 's ability to take my money without my permission by means of the automatic-billing permission-setting that PAYPAL created in my account independently of me and without my permission or knowledge. ___________________ In my ongoing efforts to get these thefts to permanently stop, I have disconnected my bank account from PayPal. But the past unauthorized charges -- which XXXX promised IN WRITING via text-chat to refund -- and the additional charge that XXXX made after promising to both refund past charges and to never make another charge again -- have not been refunded. ___________________ Thank you in advance very much for your help with solving this very frightening problem! ___________________ I forgot to mention in the text of my CFPB complaint XXXX that the setting in XXXX for automatic recurring billing in my XXXX account WAS NEVER ENABLED. I informed XXXX and PayPal of this, and provided a screenshot of the page with the ENABLE button that had never been activated. I didn't know about it, or where it was, until XX/XX/XXXX. ___________________ I AM GOING TO PASTE BELOW THE TEXT OF THE COMPLAINT XXXX THAT I SUBMITTED EARLIER TODAY. ___________________ I recently discovered the hard, expensive way that -- without my knowledge or permission -- PayPal had set my account settings so that XXXX merchants I had made SINGLE transactions with years ago -- subsequently had the ability to pull money out of my account on a recurring basis without my authorization. PayPal refers to this as a " billing agreement '' with these merchants. Two merchants took money this way. The first was the billing service for a radio-show archive, and PayPal was helpful in getting this money refunded. ____________________ The other one was XXXX. Although I had been a customer of XXXX since XXXX, I knew that XXXX had cancelled the only phone number I'd ever used with XXXX because I had not paid for a renewal. I didn't renew because I stopped using XXXX around XXXX and didn't need the number. On that basis, I knew XXXX services XXXX when payment is not made. ( The phone number was XXXX. ) ____________________ But I didn't know until XX/XX/XXXX, that PayPal gives merchants the ability to automatically take money out of accounts, even if you didn't authorize a payment, and even if you have cancelled a subscription directly with the merchant exactly according to the merchant 's rules. Since I didn't yet know PayPal was allowing merchants to take money out of my account without my permission, I had a long text-chat with XXXX about the unauthorized payments XXXX had received from my PayPal account XXXX In that text-chat, XXXX promised XXXX refund one of the " annual fee '' charges as well as " monthly fee '' charges going back just six months. This was only a partial solution, but I accepted it and I thought the problem was solved. ____________________ But when yet another payment was taken by XXXX out of my account about a month later, I discovered the promised refunds were never made. This led me to the discovery of the list in my PayPal account that PAYPAL created that gave merchants I'd made transactions with in the past the ongoing ability to withdraw money automatically. This setting is some automatic procedure that PAYPAL did independently of me and without my knowledge. I didn't participate in setting this up. I didn't want it. I didn't know about it until XX/XX/XXXX. ____________________ For an example that fortunately did NOT lead to unauthorized taking of my money, such as happened with XXXX, I paid XXXX for a background check in XXXX. So that they wouldn't ever bill me again, I followed XXXX 's rules for cancelling the ongoing monthly subscription they force you to sign up for in order to get a single report. XXXX processed my cancellation and, unlike XXXX, the company was honorable thereafter. I didn't think about XXXX again. But, to my astonishment, I found on XX/XX/XXXX, that XXXX had permission from PayPal to take money out of my account because PayPal had added them to this list in my PayPal account. ____________________ Some merchants in this list, such as XXXX and XXXX, had been listed numerous times. ( And I don't remember ever making even one purchase directly from XXXX. ) On the day I discovered that XXXX not only had not honored their written promise to refund the unauthorized charges but had also removed money from my account yet again AFTER also promising in writing not to, I also discovered for the first time the existence of the list in PayPal that made the additional unauthorized payment possible. I immediately removed all the merchants from the PayPal list. ____________________ I also opened a dispute over the XXXX charges via PayPal, rather than go back to XXXX again, because my effort to solve the problem with XXXX had failed, and because PayPal had solved a similar problem earlier in the year with the radio-archive company. ____________________ In the dispute via PayPal, I provided PayPal with a copy of the text-chat that includes XXXX 's XXXX promises to refund and to never make the unauthorized charges again. My conversation with PayPal 's dispute department was extremely, extremely frustrating and went on for about an hour and a half. And a day later, I was informed that my dispute has been denied. This is even though XXXX themselves promised in writing to make the refund and didn't. And even though PayPal received a copy of the written statements XXXX made in the text-chat. And even though it was PAYPAL -- without my knowledge or permission -- who was responsible for XXXX having the ability to take money out of my account -- also without my knowledge or permission. ( By the way, I've been a PayPal customer since the XXXX. I don't have a history of being a problem customer. And I have excellent credit. And I'm going to the extensive time and trouble of correcting these problems because it's honorable and needs to be investigated by people with the ability to hold those we trust with money services to be honorable. ) ____________________ Other consumers might be as surprised as I was to find merchants they made ONE SINGLE transaction with -- years prior -- may have been given permission BY PAYPAL to continue to take money out of your account automatically. EVEN IF YOU CANCEL A SUBSCRIPTION BY INFORMING THE MERCHANT DIRECTLY AND ABIDE ENTIRELY BY THE MERCHANT 'S CANCELLATION RULES, PAYPAL PRESERVES THE MERCHANT 'S -- -ABILITY -- - TO TAKE MONEY OUT OF YOUR ACCOUNT. XXXX is one company that's an example of this, in my case. I had no idea PayPal does this. Until I had to figure out how XXXX was able to keep taking my money without my permission. ____________________ It isn't easy to find the list of merchants PayPal has given permission to automatically take money. So I hope this helps somebody out there : Go to the Help section in PayPal and do a search for " What is an automatic payment and how do I cancel or update one? '' Here are PayPal 's instructions about that, so you can stop merchants from being able to take money out of your account automatically : ____________________ ... ... ... ... ... ... ... ... ..... Finding your automatic payments on the app : ____________________ Tap Settings. Tap Automatic Payments. Tap the merchant. On this page, you can Remove PayPal as your payment method and select a backup funding source. ____________________ Finding your automatic payments on the website : Go to Account Settings. Click Money, Banks and Cards. Click Set Automatic Payments. Select the merchant. On this page, you can Cancel the automatic payment and Change the backup funding source. ... ... ... ... ... ... ... ... ... ... .... ____________________ On this same Help page, PayPal also has instructions for merchants who need to cancel a subscription for a customer. I mention this because in the text-chat I provided a copy of to PayPal, XXXX promised XXXX they would make sure I was never billed again. But they did bill me again. Even though, according to these PayPal instructions, it appears XXXX had the ability to cancel the recurring taking of my money not just on their end, but also within PayPal. ____________________ | ||||||
| 03/04/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 a {$75.00} transfer was deposited into my PayPal cash plus account ; paypal.me id : XXXX XXXX XXXX On XX/XX/2020 the app indicated that the full {$75.00} was available for use and/or transfer. My initial attempt to transfer funds to my debit card for a {$0.00} fee resulted in an error message advising me to reattempt the transfer after waiting a few minutes. After waiting a few minutes, I reattempted the same {$75.00} transfer for the {$0.00} fee which resulted in another error message which was different in that the message did not suggest a timeframe to reattempt the transfer. After adding a different debit card to the account and reattempting the same {$75.00} transfer for {$0.00} fee a third time to the newly added card, another error message was the result and that error message did not suggest a timeframe to reattempt the transfer as in the previous instance. There was no change in the application user interface showing or suggesting there was any sort of problem or limitation involving the balance, linked accounts, or overall account in general throughout the attempted transactions, other than the 3 error messages immediately following the failed transfer attempts. No emails, text messages, phone calls or media indications of any sort were generated outside the PayPal app to inform or advise of any failed transfer attempts, suspicious activity, security or other holds and/or account limitations. It was after this I decided to contact PayPal directly at approximately XXXX XXXX at XXXX, multiple call records to this number exhibit attached. I am not sure if the agent I spoke with identified himself, but the agent did speak with a clearly foreign accent. After having the agent review my account and the failed transfers, the agent advised that further transfers had been frozen by the security system as a result of too many failed transfers. After questioning the nature of this so-called security hold, such as what caused the first transfer attempt to decline, the agent stated he was unable to provide additional details or override the system and he was also unable to request anyone to review and override the security hold. The agent went so far as to certainly suggest and possibly state verbatim that there was literally no person employed by PayPal which would be able to override this systemic decision. The agent stated that the system showed a 24 hour hold time after which transfers would proceed as normal. I then asked the agent if other transfer methods were also blocked. The agent stated he was unable to determine if they were or not, but that I was free to attempt other transfer methods to see if there would be security holds on them as well. I also asked this agent about the failed deposit attempts into my account dated XX/XX/2020. The agent stated that he could not see any problems, reasons, holds and/or limitations which would've precluded the successful execution of the failed transactions. I advised it had to be something preventing the transfer via PayPal, because the funds which were attempted to be sent were subsequently sent to me via XXXX XXXX, at an additional cost of approximately {$19.00} per XXXX XXXX fee schedule, exhibits attached. In summary this agent stated that there was absolutely nothing showing on his end which would preclude anyone from sending money to my account. He had no comment that the sender paid an additional {$20.00} to send the funds after suggesting the sender did not have sufficient funds to process my requests on XX/XX/2020. Subsequent to speaking with this agent, I did attempt to transfer funds via pick up at XXXX. Upon execution of those requests they were also returned with error messages. There were no system messages, emails, text messages, phone calls, nor any other media sent to me to memorialize the attempted transfers other than the messages received immediately upon decline of the transfer attempts. Also I updated various account details such as adding phone numbers, email and additional debit cards. These transactions were memorialized with emails and exhibits are attached. On XX/XX/2020 at approximately XXXX XXXX a " get cash at store '' request was requested and approved for {$30.00} with a fee of {$3.00}. A bar-code and alpha-numeric code were also generated both of which expired one hour after generation. I immediately located the nearest 24 hour XXXX which was located at XXXX XXXX XXXX XXXX, XXXX, approximately 13 miles from my origin location. Upon arriving at XXXX I asked the security officer for assistance. Initially directed to the online pickup area, I was then directed to aisle 9. The clerk was finishing with an existing customer upon my arrival. When I showed the clerk my PayPal app displaying both the barcode and alpha-numeric code, she advised that she was not able to process my transaction and stated that I need to wait until after XXXX XXXX and have customer service process it and she also pointed to the physical area. I thanked the clerk and left her register. Between being rejected for my approved transfer and the stated time of XXXX XXXX to proceed I attempted to transfer amounts onto my linked debit cards each failing. At approximately XXXX XXXX I attempted to set up another get cash at the store which was unsuccessful. I then decided to contact PayPal at the XXXX number contacted previously. After waiting on hold for an agent approximately 10 minutes, I spoke with a woman who identified herself as a specialist for the PayPal cash account Mastercards. I asked a couple of housekeeping questions about a recently requested plastic which were adequately answered. However when I asked about the failed transfers, she gave what is seemingly a boilerplate response to this issue about the " system '' blocking the transfers for unspecified security purposes. When I queried her as to specific purposes she said there are many reasons and that nothing could be done. I then challenged her that if there are many reasons my transfer is being blocked then I would like to know one specific reason. She declined to provide any specific reason becoming more condescending and surly with each retort. I then requested to be transferred to the fraud department. The agent stated my issue does not constitute fraud so she was not transferring me to that department. At this point the agent was fully arguing with me, ignoring my question and refusing to fulfill my request to be transferred. At one point this agent specifically stated that there is no fraud department at PayPal. Upon that statement is when I revealed that I'm a XXXX XXXX employee and knew for a fact that there is in fact a fraud department. She refused my request and became more surly. I specifically told the agent that she was not answering my questions, not offering any solutions, and was arguing with me which was making me upset and that I no longer wanted to speak with her. I requested to be transferred to anyone other than her when her tone changed from argumentative to downright sadistic. In her ultimate gotcha moment she stated she was the only person at PayPal I needed to talk to therefore she had nowhere to transfer me. I then requested she disconnect the call and I would call to speak with someone else. She refused that and it seems as if she was laughing underneath her breath as she was determined to not assist me in any manner, not provide any information, not be candid in any statement she made and to be as surly and abrupt as possible, talking over me for at least the last 5 minutes of the call. I eventually disconnected the call, log of which is memorialized in the attached exhibit. After that dreadful call with the female agent I called back to the XXXX number contacted previously. I spoke with a Male agent who seemed to have a foreign accent. The agent stated he was in the dispute department. I informed the agent I wished to file a formal complaint against the previous agent. He asked some questions about a dispute then stated that I couldn't dispute a transfer. I told him that I did not wish to dispute any transactions and rather I wished to file a formal complaint against the previous agent and I also wanted to speak with someone who would provide the detailed information to my questions the previous agent refused to take seriously. This agent then stated he would escalate the complaint about the previous agent and request the call be reviewed. Almost immediately and taking a much more stern tone he stated that the transfers were being delayed and that nothing could be done. I asked for 1 reason and he stated because a previous transfer was declined. I pointed out that was in reference to this same matter and it was PayPal stating the funds were available on one hand while declining the transfer on the other. I asked if I am on the terrorist or OFAC lists or if there is a FISA warrant. He declined to respond. I asked if there are reasons my transfers were declined that he was not allowed to acknowledge, in a general sense. He stated that he would try to get someone else to assist me, placed me on hold and after several minutes the call was disconnected. | ||||||
| 05/15/2022 | Yes |
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| On XX/XX/XXXX, my PayPal accounts were permanently limited with the statement that " we found potential risk associated with it. '' This frustratingly vague statement has led to a year and a half of aggravation with PayPal and I think the story should be made public so that PayPal can be held to account for their various misbehaviors in this matter in some form or another. I initially embarked on the complaints process with PayPal having virtually no visibility into why I was even banned in the first place ( mistakenly believing it was an issue with my Venmo account ). It required an arbitration proceeding with PayPal to discover any of the facts surrounding my dismissal from the platform, and I believe that those facts are important to the public discourse and why I'm including them here. In the process of that arbitration, PayPal ( by virtue of a sworn declaration ) stated that I was banned on XX/XX/XXXX for " two transactions that occurred in XXXX of XXXX. '' They stated that these transactions violated their " Acceptable Use Policy '' which states ( in part ) as follows : " [ A user ] may not use the PayPal service for activities that ... violate any law, statute, ordinance or regulation [ or ] relate to transactions involving ( a ) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, ( b ) drug paraphernalia, ( c ) cigarettes, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, XXXX, XXXX or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, firearms, or certain firearm parts or accessories, or ( k ) certain weapons or knives regulated under applicable law. '' I was, at the time, engaged in a relationship with a woman in the XXXX and I can only guess that they allege this violated either the " items that are considered obscene '' or " certain XXXX oriented materials or services '' aspects, but those items are themselves very broad and very vague so that no user can reasonably note the scope of those terms at the time of agreement without some guidance being provided by PayPal themselves ; it doesn't matter, as the arbitrator dismissed the case without having PayPal divulge anything more that " two transactions in XXXX of XXXX. '' In any event, the fact that users have to play guessing games after the fact to understand what PayPal considers to be a violation of their Acceptable Use Policy is, at the very best, a massive failure on the part of PayPal to properly communicate the scope of their own rules so that customers understand what they are agreeing to. For example, " the promotion of hate, XXXX, XXXX or other forms of intolerance '' has been used to ban public figures like XXXX XXXX from their platform for conduct that, in its most favorable light to PayPal, took place off of their platform. This kind of conduct, especially given PayPal 's size in the market place, is predatory and the fact that they can make these determinations at their sole discretion without having to account for those decisions in any manner at all makes it even more so. In my case, they attempted to scare the arbitrator off the question of the underlying merits by arguing that the Bank Secrecy Act barred their revealing the reasons ( and were successful in doing so ), but the Bank Secrecy Act only bars PayPal from revealing whether a suspicious activity report was filed ( or providing information that reveals whether one was or wasn't filed ). They have perverted the scope of that act to serve as a giant shield behind which they can act in any predatory manner they see fit, and again, because their terms are so vague that consumers do not appreciate the one-sidedness of the agreement they're making at the time they open their PayPal account XXXX this behavior makes PayPal 's contract all the more unconscionable to consumers. This delay in action ( from XXXX of XXXX to XXXX of XXXX ) is especially troubling because the account, by PayPal 's own User Agreement, should have been flagged as a dormant account and closed. As stated in the User Agreement, " [ i ] f you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Cash Account to your primary address ... '' The account had been dormant with a {$0.00} balance for 934 days at the time of the limitation, well in excess of the twXXXX year threshold for dormancy. I also had another older account that, at the time of the limitation, had been dormant for over 7 years and again, they failed to close the account as dormant. They stated in the arbitration that the dormancy of the account had nothing to do with the limitation, but it also begs the question of why the accounts were allowed to stay open given their dormant status, and why a dormant account was used as the basis for a permanent limitation. They have refused to answer that complaint, but again this highlights the predatory nature of their services. In addressing the delay, PayPal argued to the arbitrator that " any length of time is of no import '' but that statement violates public policy. The User Agreement is governed by Delaware law, and under Delaware common law, contract parties may not agree to circumvent any statute that is made in the public interests, such as a statute of limitations. They argued ( and the arbitrator agreed ) that their contract allows them to do so, which means that at least under one arbitrator 's view, PayPal 's contract as written allows them unlimited time to identify and act on alleged breaches of the contract. This is in clear violation of Delaware public policy and again, consumers do not understand when they enter into agreement with PayPal that they are effectively signing away their rights to even something as basic as a statute of limitations. Also in addressing the delay, PayPal argued in the arbitration that the XXXX of XXXX transactions " over time revealed themselves to be specific acceptable use policy violations '' but again that statement makes absolutely no sense, for several reasons. First, they state that they perform routine security scans to ensure compliance with the User Agreement. That account was dormant, so they had the complete set of transactions for over two and a half years and presumably performed their routine security scans over that time, and determined the use was acceptable use at the time. Second, as stated the account was itself dormant and should have been closed according to PayPal 's own contract, so why were they seeking to investigate a dormant account that should have been closed in the first place? Third, given that the account I had currently been using was not engaged in any such transactions, given the extreme length of time involved, and given that PayPal routinely allows other users to provide additional information to " mitigate the risk '' they find, the fact that I wasn't ever allowed to do so makes their determination seem arbitrary and inconsistent with the treatment other users receive. Which leads me to the final matter. I could simply walk away from PayPal, and would love to do so, but here 's the best bit : when they permanently limit your account, they will no longer allow you to close that account. The account that was dormant for over 7 years and wasn't closed now can not be closed. The account that was dormant for around XXXX and a half years and wasn't closed now can not be closed. The account that I requested PayPal close on XX/XX/XXXX in a phone call that they failed to close also now can not be closed. So a user that gets permanently limited is now *forced* to remain a PayPal customer in perpetuity against their will, and the best part is that the only way to inform PayPal you do not agree to updates to their policies is by closing your account, which I now can not even do. Their contract now literally forces me to agree to all updates from now until presumably the end of time ( unless they close my accounts for me, which again they've so far refused to do ) without any avenue for expressing my disagreement, and again that's a one-sidedness that consumers do not appreciate at the time they agree to the User Agreement. PayPal 's conduct in the treatment of my accounts has been predatory and their stubbornness in addressing my complaints, and even going to the great lengths to argue in arbitration for positions that violate clear public policy, goes to show that their contract is so one-sided for consumers as to be oppressive, and should be updated to make clear to consumers how much power PayPal is being granted. | ||||||
| 01/06/2019 | Yes |
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| On XXXX XXXX complaint XXXX was sent from CFPB against PayPal. In a matter to violate my civil rights and retaliate PayPal sent an email to me on Fri, XX/XX/XXXX at XXXX XXXX STATING BELOW : You can no longer use our services Because you have continually filed cases that do not align with the intent of the PayPal Purchase Protection Program and are contrary to the terms outlined in our User Agreement, weve determined you can no longer use PayPals services. Weve limited your account so you can no longer send or receive funds. Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied. For information on account limitations, please refer to the PayPal User Agreement. To find out what to do next, log in to your PayPal account and visit the Resolution Center. At Fri, XX/XX/XXXX at XXXX XXXX- PayPal sent a duplicate message as stated above and Fri, XX/XX/XXXX at XXXX XXXX -- PayPal sent me another message regarding the complaint I filed with CFPB on Dispute Case ID : XXXX for {$38.00} stating : We have received a response from the merchant and we've also reviewed all the details of your case. Based on the merchants response and the information we have to date, we have to deny your case. This decision was made because our records show that the item or service associated with this transaction was delivered to you. Transaction Information : Dispute Case ID : XXXX Transaction Amount : {$38.00} USD Dispute Amount : {$38.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/XXXX PAYPAL will has abused their powers! I have called the resolution ( limitation ) department only to be told. " Your disputes are costing us money with the merchants and we have cant make money like this with the dispute and charge backs from customers. At PAYPAL, customers don't pay a fee but the merchants do as stated in the review. Per XXXX XXXX from XXXX XXXX at XXXX review after 177 complaints was filed on PayPal-writes, " PayPal Transaction Fees Regardless of which plan you are on ( Standard or Pro ), your transactions fees will be as follows : For all online sales, you pay 2.9 % + {$0.00} per transaction. For all swiped/dipped/tapped mobile and in-store transactions, you pay 2.7 %. For all keyed-in mobile and in-store transactions, you pay 3.5 % + {$0.00}. For virtual terminal transactions, you pay 3.1 % + {$0.00} per transaction. For mass payouts, youll pay 2 % using the online form, or {$0.00} per payout using the API. Its also worth noting a few other charges apply to transactions as well : For any chargebacks, PayPal assesses a {$20.00} fee. Any transactions that originate from outside the US incur a 1.5 % cross-border fee. When you issue a refund, PayPal charges a small refund fee, equal to the per-transaction fee amount. For online transactions, that means PayPal charges {$0.00} for refunds ; for keyed transactions, it would be {$0.00}. If you initiate an instant transfer, PayPal will charge you 1 % of the transfer amount. Alternative Payment Processing Rates While PayPals payment processing costs are very predictable, theyre not suitable for every type of business. You cant negotiate with PayPal for a different rate unless you are essentially a very large corporation, but you can take advantage of a couple of alternative rate offerings : PayPals microtransactions plan and nonprofit discounts. Micropayments Rate : 5 % + {$0.00} PayPals micropayments plan is open to all merchants, but it only benefits you if the vast majority of your transactions are under {$10.00}. PayPal wont automatically switch between the two rates based on transaction size, so if you opt for the micropayments plan, you really need to make sure its the best option based on your individual processing history. Generally speaking, if you sell digital goods online ( single songs or digital albums, or other low-value items ), this is the plan you should look for. In addition, qualified 501 ( c ) ( 3 ) organizations who go through the verification process are eligible for a discount for online transactions : Nonprofit Discount Rate : 2.2 % + {$0.00} Sadly, PayPal doesnt offer a discounted rate for in-person transactions processed through its mPOS or a partner POS system, so the discounted rate would apply only to online sales or donations. However, keep in mind that some software providers also offer nonprofit discounts, so if youve integrated PayPal with accounting software, a POS app, or another third party, you should also check whether that company offers a discount. PayPal Monthly Fees Remember, there are two options for accepting PayPal on your site that charge nothing beyond transaction fees : PayPal Checkout and PayPal Payments Standard. Both allow you to accept payments on your website but will redirect to the PayPal site to complete the transaction. If you prefer to keep customers on your own page, or if youd like a virtual terminal to take payments over the phone, youll need PayPal Payments Pro : Paypal Payments Pro : {$30.00} per month The biggest advantage, as I said, is that the Pro account lets you keep customers on your page to finish the checkout process. You can completely design your own checkout page. In addition, Pro subscribers get access to the Virtual Terminal to accept payments by phone, mail, and fax. Unfortunately, PayPal Payments Pro doesnt include an option for Recurring Billing. Subscription services are hugely popular and if you want to offer them with PayPal, that will run you an extra {$10.00} per month on top of the Pro plan. If you dig a little deeper, youll also see that PayPal offers free recurring billing for users who have implemented PayPal Express Checkout, but not PayPal Standard. Finally, its worth noting that PayPal offers its own gateway, the PayFlow gateway, to process payments. It has a high degree of compatibility, so it works with most payment processors. So if you want to sell online but dont want to use PayPal as your primary payment processor, and your chosen processor doesnt offer a gateway, this could be an option. PayFlow supports two plans : PayFlow Link : This pay-as-you-go option costs {$0.00} per transaction, and PayPal charges nothing for setup or monthly fees. Using Link, you can embed a checkout form on your website that will redirect to the PayPal site to complete the transaction. Link also adds PayPal and PayPal Credit buttons. Payflow Pro : At $ XXXX/month for the Pro Plan, theres no questioning the value. You wont pay setup fees or per-transaction fees. PayPal doesnt even put a limit on the volume. With the Pro option, you get a completely customizable checkout page thats hosted on your own website, with the options to add PayPal and PayPal Credit options. As I said, PayPal really has something for everyone. I dont know that I can say it has everything everyone would need, but itll definitely tick most of the boxes for most people. While PayPal still is dominating the online space, it definitely has moved beyond to encompass multiple sales channels. Being able to manage in-person and online sales from a single platform is a major point of convenience. Several cites have complaints against paypal for the same issues related to money and Poor Customer Service. In the findings, Paypal does not care about the Customers because the customers don't paypal for the transactions or for the use of the services. Paypal don't care if the company SCAMS or Fraud the Customer because it quite easy to get rid of the trouble causing customer that don't contribute to the revenue of the company. In comparison with other customers that have filed complaint with CFPB, according to Customer Affairs a total of 2,316 complaints was filed against PayPal has abused their powers in a matter that was very unprofessional by not responding to demands of customer getting their money back to setting limitations on their account so, customer can never use their service again. SEE ATTACHMENTS. IT appears that Paypal allows merchants to take money from Customers then, when fraud it detected by your bank or self awareness PayPal will not protect you as Mission statement indicates. NO CUSTOMER PROTECTION. Customer Protection by the show of complaints will not be given if you have PayPal Credit service or disputing directly with PayPal because, this would be a great lose to Paypal. Paypal however, threaten me also with their ATTORNEY because I filed this Complaint with the CFPB to see them in COURT ... CFPB how many customers have to lose money because of Paypals greed!. Paypal is no different then XXXX XXXX XXXX and XXXX XXXX with stealing from Customer but, Paypal just sides with the merchant. Paypal credit will not refund any money because, it a lose of revenue for paypal no matter if the money was stolen or you was Scam because, you're dealing directly with Paypal. When the merchant responds, no documents are produced to the customer and Paypal states, " It came from your IP address which, anyone can steal in cyberspace. '' | ||||||
| 02/05/2020 | Yes |
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| On approximately XX/XX/2019, I purchased a carpet steam cleaner via online retailer using my paypal account. Immediately after the transaction processed, I received a paypal confirmation email listing the transaction, which looked suspicious. This is what I received as an order confirmation through Paypal : paypal XX/XX/2019 XXXX PST Transaction ID : XXXX Hello XXXX XXXX, You sent a payment of {$54.00} USD to XXXX XXXX ( XXXX ) It may take a few moments for this transaction to appear in your account. Merchant XXXX XXXX XXXX Instructions to merchant You haven't entered any instructions. Shipping address - confirmed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX United States Shipping details The seller hasnt provided any shipping details yet. New! Send cash for pickup within the US with our XXXX service. Fees and limitations apply. Log In with PayPal. Description Unit price Qty Amount Item XXXX Item # 1 {$54.00} USD 1 {$54.00} USD Subtotal {$54.00} USD Total {$54.00} USD Payment {$54.00} USD Charge will appear on your credit card statement as " PAYPAL XXXX '' Payment sent to XXXX Payment sent from XXXX Funding Sources Used ( Total ) XXXX x-XXXX {$54.00} USD Issues with this transaction? You have 180 days from the date of the transaction to open a dispute in the Resolution Center. Questions? Go to the Help Center at www.paypal.com/help. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page or please contact us toll free at XXXX. You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings. Copyright XX/XX/XXXX-XX/XX/XXXXPayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX It was a " XXXX '' email address for the retailer. I reported this immediately to PayPal. Then the scammer ( fake retailer ) emailed a " tracking number '' to PayPal, which termporarily fulfilled their requirements to honor the transaction. Then, several days later, when using the Tracking Number listed on this Paypal transaction, the delivery status is marked " Delivered ''. HOWEVER, the address that this package was sent to, was NOT my home address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Which the postal manager at the local postal office confirmed with me, however due to confidentiality reasons ( as the manager said ), she could not inform of the actual address that this package was delivered to, only to say that it is a different address in the same zip code. ( see her correspondence below ) Tracking Number : XXXX Your item was delivered in or at the mailbox at XXXX XXXX on XX/XX/2019 in XXXX, WI XXXX. USPS Premium Tracking Available Status Delivered XX/XX/2019 at XXXX XXXX Delivered, In/At Mailbox XXXX, WI XXXX Delivered Tracking History XX/XX/2019, XXXX XXXX Delivered, In/At Mailbox XXXX, WI XXXX Your item was delivered in or at the mailbox at XXXX XXXX on XX/XX/2019 in XXXX, WI XXXX. XX/XX/2019, XXXX XXXX Out for Delivery XXXX, WI XXXX XX/XX/2019, XXXX XXXX Arrived at XXXX XXXX, WI XXXX XX/XX/2019, XXXX am Departed USPS Regional Facility XXXX WI DISTRIBUTION CENTER XX/XX/2019, XXXX am Arrived at USPS Regional Facility XXXX WI DISTRIBUTION CENTER XX/XX/2019, XXXX am Departed USPS Regional Facility XXXX WI DISTRIBUTION CENTER XX/XX/2019, XXXX pm Arrived at USPS Regional Destination Facility XXXX WI XXXX XXXX XX/XX/2019 In Transit to Next Facility XX/XX/2019, XXXX XXXX Arrived at USPS Regional Facility XXXX MA XXXX XXXX XXXX XX/XX/2019, XXXX XXXX Departed USPS Regional Facility XXXX NY DISTRIBUTION CENTER XX/XX/2019, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX NY DISTRIBUTION CENTER XX/XX/2019, XXXX XXXX Accepted at USPS Origin Facility XXXX, NY XXXX XX/XX/2019, XXXX XXXX Shipping Label Created, USPS Awaiting Item XXXX, NY XXXX XXXX XXXX XXXX To : USPS Customer Support XX/XX/2019 at XXXX XXXX No. I've been at XXXX XXXX XXXX XXXX XXXX, WI XXXX for over 15 years. Can you please just verify in writing / in this email, that for Tracking Number : XXXX The package was NOT delivered to MY address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX? That should be all I need to forward on to PayPal in reference to this issue. Thank you, XXXX XXXX Hide original message On Tuesday, XX/XX/2019, XXXX XXXX CST, USPS Customer Support XXXX wrote : I'm sorry but I can not give you that information. I wish I could but I can't. Have you recently moved? -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : [ EXTERNAL ] Re : Your USPS Case # XXXX Has Been Resolved! [ ] Which address was actually on the tracking number, if not mine ( XXXX XXXX XXXX XXXX? ) I can not seem to find a delivery address ; only a zip code affiliated with this tracking. XXXX XXXX On Tuesday, XX/XX/2019, XXXX XXXX CST, XXXX XXXX wrote : | | | | | | Dear XXXX , Thank you for taking the time to notify us of your experience. I can only suggest that you might want to contact the postal inspection service also. I can tell by tracking number you provided that the package in question was delivered to the house that was actually on the tracking number. Your address was not affiliated with the tracking information at all. The phone number for the inspection service is : XXXX. I hope they are able to assist you. Regards, USPS | | | | | | | | -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : First Contact for Service Request # XXXX [ ] | | | | | | Dear XXXX XXXX, This message is to let you know that we have received your inquiry at the United States Postal Service. After we review and investigate the information you have provided, we will contact you and work with you until the issue is resolved. We appreciate your patience while we investigate this matter. Sincerely, XXXX XXXX XXXX XXXX Your privacy is important to us. If you would like additional information on our privacy policy, please visit www.usps.com. | | | | | | | | ref : _XXXX : ref XXXX, XXXX XXXX XXXX, WI XXXX To : XXXX XX/XX/2019 at XXXX XXXX I can suggest that you either email Pay Pal a copy of our correspondence or print it out and send it to them. I can not write anything specifically for Pay Pal. I can however tell you that a package with the tracking number you provided has been delivered and it was NOT delivered to your address ( or the address you also provided ). The package was delivered to the address associated with the tracking number. Good luck. Hide original message -- -- -Original Message -- -- - From : USPS Customer Support [ mailto : XXXX ] Sent : Tuesday, XX/XX/2019 XXXX XXXX To : XXXX Subject : RE : [ EXTERNAL ] Re : Your USPS Case # XXXX Has Been Resolved! [ ref : XXXX : ref ] I'm sorry but I can not give you that information. I wish I could but I can't. Have you recently moved? -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : [ EXTERNAL ] Re : Your USPS Case # XXXX Has Been Resolved! [ ] Which address was actually on the tracking number, if not mine ( XXXX XXXX XXXX XXXX? ) I can not seem to find a delivery address ; only a zip code affiliated with this tracking. XXXX XXXX On Tuesday, XX/XX/2019, XXXX XXXX CST, XXXX XXXX wrote : | | | | | | Dear XXXX , Thank you for taking the time to notify us of your experience. I can only suggest that you might want to contact the postal inspection service also. I can tell by tracking number you provided that the package in question was delivered to the house that was actually on the tracking number. Your address was not affiliated with the tracking information at all. The phone number for the inspection service is : XXXX. I hope they are able to assist you. Regards, USPS | | | | | | | | -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : First Contact for Service Request # XXXX [ ] | | | | | | Dear XXXX XXXX, This message is to let you know that we have received your inquiry at the United States Postal Service. After we review and investigate the information you have provided, we will contact you and work with you until the issue is resolved. We appreciate your patience while we investigate this matter. Sincerely, XXXX XXXX XXXX XXXX Your privacy is important to us. If you would like additional information on our privacy policy, please visit www.usps.com. | | | | | | | | ref : XXXX : re | ||||||
| 09/14/2018 | Yes |
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| On XX/XX/2017 I registered a PayPal account which I planned to use to accept payments for items sold on XXXX. Between XX/XX/XXXX and XX/XX/XXXX I received payments to my account for said sold items. My PayPal account had a limitation placed on it as a result which at a later time became a permanent limitation after 180 days passed. On XX/XX/XXXX, I received an email stating my PayPal funds were eligible for withdrawal. However, I have not been able to log into my account to withdraw these funds. I receive an error message when trying to log in and am not able to log into my account to access these funds. When calling your regular customer support no one was able to figure out what the problem is. When submitting a XXXX complaint against you previously, I received a response asking me to upload ID, Bank Statement, Credit Card Statement, Proof of Address, and Business Registration Information. I expressed several concerns about this at the time but by concerns were completely ignored. I have told PayPal multiple times that I do not own a business thus there is no business information that can be provided for the business information documents requested. The only reason I upgraded my account to a business account was because I was told to do so by a PayPal representative when I was having issues accepting payments initially. I was told that upgrading my personal account to a business account should enable me to receive payments. And the issue receiving payments was resolved after the upgrade. You can see that the business name I set on my account was simply my first name " XXXX '' and is clearly not the name of an actual business. Let me say this again since no one who I have talked to previously has been able to comprehend this : I DO NOT OWN A BUSINESS! I have previously raised concerns about how PayPal classifies themselves as a banking institution and PayPal 's actions when dealing with my account are a clear violation of banking laws. Not only because normal banks are not allowed to hold money for 180 days or more, but because banks are not allowed to place stipulations on releasing money and then confiscate the money if those stipulations aren't meant like PayPal is trying to do. In addition to the fact that instead of normal banking procedure which calls for documents to be provided BEFORE an account is opened if they are going to be asked for, PayPal waited until after the account was opened and had already accepted payments before requesting these documents as a condition of allowing me to withdraw my own money. PayPal seems to think this is a plus for customers that they don't ask for documents before sign up but really it's extremely shady. But then I found out that PayPal is registered as a money transmitter in Washington ( my state of residence ) and not a bank so PayPal can then argue they are not bound by banking laws. Okay, then you are in violation of Washington 's money transmitter laws. Washington 's money transmitter laws state " Every money transmitter licensee and its authorized delegates shall transmit the monetary equivalent of all money or equivalent value received from a customer for transmission, net of any fees, or issue instructions committing the money or its monetary equivalent, to the person designated by the customer within ten business days after receiving the money or equivalent value, unless otherwise ordered by the customer ... '' 180 days is quite a bit longer than the 10 business day legal limit for holding money according to this statue. Let alone continuing to hold the money afterwards. I attached an image that shows this statue in Washington 's money transmitter laws. In addition, PayPal has provided 2 different methods to send documents to them : via email to XXXX or via fax to ( XXXX ) XXXX. I have proof that PayPal doesn't respond to correspondence sent to either of these sources. On XX/XX/XXXX, I sent an email to XXXX about this issue. 8 DAYS later on XX/XX/XXXX, I received a response that didn't address my issue. The following day on XX/XX/XXXX, I sent a reply explaining this and have received no responses since. On XX/XX/XXXX, I sent a fax to PayPal 's fax number ( as more of a test just to see if PayPal would respond ) with a brief letter explaining my problem and asking for an explanation of why I was locked out of my account. I left the PayPal email registered to my account to receive any replies. To this date, I have received no reply. So even if documents were sent to either of these sources, it seems the chances are slim that anyone would actually see the documents. And even if they did, they may or may not be in a position where they understand the issue or can assist. So STOP TELLING ME TO SEND DOCUMENTS TO THESE PLACES. YOU DON'T MONITOR EITHER OF THESE SOURCES. Plus also, XXXX despite their response not addressing my issue, simply said my funds would be held for 180 days. They mentioned nothing about having to upload documents after 180 days. I will attach images of the emails and faxes sent. The only time PayPal ever responds to me besides calling the XXXX number ( which is a complete joke ) is when I file a complaint against them. This is unacceptable and complete XXXX. PayPal 's request for documents also poses an unnecessary risk to my personal information and possible identity theft. I am aware that the PayPal subsidiary XXXX was involved in a data breach affecting XXXX XXXX customers. See here : XXXX XXXX XXXXXXXX And PayPal is currently dealing with a class action lawsuit related to this breach. You can say all you want that you take privacy and data security seriously but you know that you can not provide 100 % assurance that any documents provided to you by customers will not end up being hacked/stolen or otherwise end up in the wrong hands. What's stopping one of your own employees from taking these documents and using them to apply for a line of credit in that customer 's name? It's especially not secure to send documents when you're asking them to be sent through unsecured emails or to an insecure fax number. Why don't you send me all of your documents so I can verify you are who you say you are? If you think it poses no risk at all to you? You can upload them as attachments in your response to this complaint. If you wish to cite any loopholes in your user agreement that supposedly make this practice of holding funds indefinitely legal, I would like to point out that terms and conditions in a company 's contract that are deemed illegal are not enforceable in a court of law. For instance, a federal court has previously ruled that PayPal 's arbitration clause is not enforceable. See here : XXXX XXXX XXXX A review of PayPal 's user agreement indicates that despite this ruling, the arbitration clause is still present. So honestly, I don't give a XXXX what your agreement says. And apparently the courts don't either. This company is shady. They want to build their terms of service so they can basically do anything they want without regard to the law. And then try to take away a customer 's ability to challenge PayPal 's practices in court. I'll bet PayPal has many other terms that would be deemed unenforceable if challenged in a court of law. Also, why does it say in your recently added terms that even if your identity hasn't been verified you can still withdraw money? You just can't send it or use it to make purchases. But you're trying to tell me that you need to verify my identity before I can withdraw my money. You're contradicting your own policies right there. I'll upload this part of your user agreement too. Something else I noticed when doing some searching on this company, Why are 95 % of the comments about PayPal on your social media negative? 95 % is probably giving you the benefit of the doubt by the way. You do realize that's not normal right? Pretty much everyone on your social media pages has some complaint about PayPal. Very few people say good things about this company. I also found several users who commented describing an issue with their PayPal account very similar to mine. Including 1 user who has had their account locked by PayPal for over 15 months. And don't even get me started on the information about PayPal from this site : XXXX XXXX XXXX granted some of this information is outdated like 70 % of PayPal 's cash flow being generated by XXXX. But much of this is still applicable today. Aside from your sketchy ways of asking for documents through insecure means and being involved in data breaches, anyone should be concerned about supplying documents to a company that has your kind of ethics. Any website which allows people to review PayPal needs to implement an option to give negative stars. 1 star is way too good for this company. XXXX XXXX PAYPAL. | ||||||
| 11/14/2018 | Yes |
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| I have two paypal accounts for many many years. One is XXXX XXXX that I have set up as a business/merchant account address and most of my money is directed to it through business and personal, and another one XXXX that I have set up to have small amounts of money in at a time. I have been trying to get my money out of PayPal for over 1.5 weeks. I fled from hurricane Michael in XXXX XXXX and bought cheap RV in XXXX XXXX XXXX. It needed new roof and I must pay for the roof. Meantime I am homeless and carless because the RV repair wants their money that I KNOW I HAVE in paypal. The problem is : Paypal refuses to give me my money. I have researched to find out if others are having problems like I am. Guess what? They are. Same method of madness. Same 48 hour XXXX excuse. Class action lawsuits have been filed. Your rating with XXXX has ONE star. Your rating with Consumer Affairs is ONE star. I really should have looked into this before I let thousands of dollars accumulate and sit in your account making you interest. I am warning everyone I know to withdraw all their money from PayPal and put into their bank accounts. I am ready to go to the news with this. The hurricane Michael stories have died out, but THIS hurricane Michael story will make great news : everyone knows someone who has a paypal account. I am ready to do my part to save others my pain and inform the world to withdraw all available paypal money to their banks immediately and ONLY use paypal when necessary using ONLY the amount they need in there. PayPals entire payroll is basically free, because you are using your employees to repeat canned responses over and over and over and deny access of clients to their own monies until you basically drive them insane. So, PayPal sucks off all that interest on the money that they deny their clients access to. PayPal essentially tries to OWN the money of their clients by denying access to their own money. I am done with paypal excuses. I am done with check back in 48 hours. I am done with paypal. GIVE ME MY MONEY!!!!!! I have followed every advice given by PayPal : I have passed secuity questions, paypal has verified my phone number, sent me short texts and texts saying my phone number is now linked, add debit card ( won't do it because PayPal sends security confirm to old defunct phone number which is no longer on my account. ), add bank card ( also sends verify to old number, transfer to other PayPal ( this account ) that you passed security questions. ( the former account I was told to transfer from, I missed the third security question asking the year of my ex boyfriends XXXX from over 25 years ago, my ex doesn't even know the year, this was never registered in my name! ), contact my phone number and unblock the short code text ability ( did that ), have to wait another 48 hours. They then said the phone account and PayPal account names don't match ( they do, but phone had account number attached, so I asked them to take it off ), they tell me wait another 48 hours so security questions come up again. Finally they did and I was asked my address, I gave them my address for the past 15 years, where all my mail goes, all my banking goes, and my address registered with them. They told me NO, it's not what the security company has listed, I can no longer talk to them and they hung up. I have spent 4 hours a day on the phone to them for 1.5 weeks. I have waited 48 hours 5 separate occasions and STILL get told to try back in 48 hours. They refuse access to my money to transfer OUT of PayPal. They will allow XXXX purchases still because they get a percentage of that money, but I can not spend {$17000.00} in PayPal on XXXX purchases when i need to pay for an RV roof and eat food. I am sleeping on couch of a friend of a friend. The RV guy is mad at me because I promised him payment almost 2 weeks ago now. The first few times Paypal told me to wait 24-48 hours was not big deal. NOW? Now it is UNACCEPTABLE. They can not tell me WHY they are holding my money, they can not tell me WHEN my monies will be available to ME, the owner of the account. I am not trying to transfer to a XXXX XXXX. EVERY bank account and EVERY email account and PHONE number is in my name only. There has been no fraud on my account. I am trying to transfer my money to my accounts. I am trying in vain to add MY bank account to PayPal but they refuse to verify. I am trying in vain to add MY phone number ( which they have sent several texts that they verified my phone number and it has been added to my account ) only to be unverified within an hour and that verification supposedly has nothing to do with security verification according to representatives. They are withholding MY OWN money from MYSELF. This is unAmerican. They have made me lose my XXXX, cry for hours, sweat, have rising XXXX XXXX, cry myself to sleep because they WANT me to be homeless another 48 hours every time I call. They give ZERO reasoning, saying that they don't know what they security protocol is or have answers, they only know that I can try back in 48 hours. THIS IS UNACCEPTABLE to me as an excuse anymore. I want answers. The last guy refused to let me talk to a supervisor, saying he was as far as it could go, his boss was managerial and had no interest or authorization in the matter, and that he could not escalate it for me. I suggested that I have a picture taken of me, with my drivers license AND passport showing clearly in photo, sending to PayPal from ALL THREE email accounts associated with my PayPal, and also from this phone number and they can deposit to my bank on file in my name, or send to my address on file for years on both accounts in my name and they refuse, saying that is not an option. There HAS TO BE a way to get my money to me in this dire circumstance without waiting several months of insane " We don't know why, try in 48 hours. '' I am wanting my entire balance in PayPal to be accessed by me and able to remove ALL of my funds from PayPal. It is MY monies. Paypal fraudulently claims 'EASY ACCESS TO YOUR MONEY '', that is the most fraudulent statement made in this decade. There is nothing easy about a one minute simple transaction transferring money taking HOURS and HOURS of my life and phone calls and PayPal forcing me to be homeless about this. In fact, Paypal is about to make me lose my {$5000.00} investment in the RV and my deposit of {$1000.00} because they refuse me access to my own money to pay for the finish of the RV roof that I PROMISED THE RV GUY BECAUSE I KNEW WITH 1000 % THAT I HAD THE MONEY TO COVER IT. But because Paypal will not let me access my {$17000.00}, they are about to cost me an additional {$6000.00} and make me permanently homeless because I can not pay for my RV repair. It is my home and my wheels. Now, I have nothing, this RV is about to be withheld from me and Paypal loss of {$17000.00} and loss of my investment into RV and no home, no car. Paypal needs to give me access to my money and stop fraudulently keeping me from it with invalid excuses of " We don't know why, that is the security company we hired and don't have access to the reasons, just try back in 48 hours '' -- -in which I am homeless for another 48 hours. AGAIN. Over and over again. I WANT MY MONEY OUT OF PAYPAL. ALL OF IT. WITHOUT EXCUSES. NOW!!! I have filed cases with XXXX XXXX XXXX and also the Consumer Affairs. I went to high school with a news broadcaster that just moved from Florida and would LOVE to cover this angle of PayPal fraud and the effects on someone that fled from Hurricane Michael. I am ready to start a XXXX group and start collecting names for another class action lawsuit on your fraudulent denial of money to whom it belongs. This is the most unAmerican thing I have dealt with in my entire XXXX years of life. Now I have attempted to get my {$17000.00} out by " send as check '' but the message states " more authorization is needed. You will receive an email and we will make our decision within 24 hours. '' NO EMAILS have been sent on this topic, although I have dozens of emails from them in the past week. I called to ask where my email was, they told me to : CALL BACK IN 48 HOURS. My PayPal Balance is now showing {$0.00}. I have no check. I have no email and I have no money, my account shows {$0.00}. I want ALL of my money out of PayPal and to close my account with them. Paypal has taken OWNERSHIP of my money, with no warning, no reason, no explanation and no timeframe that I can access my money again, except TWO WEEKS of repeated " check back in 48 hours '' with absolutely no changes in status, approval, ability to transfer money or otherwise. Paypal is fraudulently denying me my access to MY OWN monies indefinitely with no explanation whatsoever. | ||||||
| 10/02/2018 | Yes |
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| PayPal 's " buyer protection '' and dispute resolution policies enable fraudsters to take advantage of a loophole in the dispute process and facilitate fraudulent online sales by forcing honest buyers to provide evidence of shipping with tracking to invalid addresses provided by scammer sellers when a claim is settled in the buyers favor. Note that it is not possible in todays computerized environment, to do so. No major shipper or delivery service is able to create a shipping label with tracking to an invalid address. PayPal is aware of this, has done nothing to change their policies, and continues to facilitate online fraud. In addition, their automated phone system inhibits consumers from appealing unfair dispute outcomes by not providing a readily accessible option to speak with an agent - callers must be persistent and lucky enough to finally guess to " zero out '' to speak with an agent and challenge the unfair outcome resulting from PayPal 's policies. I have been a PayPal customer for *17 years* without a single claim or complaint filed by me or against me. The seller in question has not even been verified by PayPal, by their own records. I have provided every item they have requested THAT IS POSSIBLE TO OBTAIN, within the time frames requested and have still been denied a refund of my funds and am unable to return the merchandise I received in error that does not match what I purchased. XXXX : XXXX/XXXX/2018 : agreed to buy a pair of boots on a closed XXXX marketplace for the buy/sell/trade of XXXX XXXX shoes for {$200.00} USD including shipping. Provided PayPal and shipping details. XXXX/XXXX/2018 : paid the seller, " XXXX XXXX '', {$200.00} XXXX via PayPal. XXXX/XXXX/2018 : After no communication from the seller, contacted her for tracking information, which was provided. The receipt showed shipment from XXXX, NH ; this matches the hand-written return address label on the package. XXXX/XXXX/2018 : received shoes ( not boots XXXX that are not from XXXX XXXX, do not match the sale description, and are not worth what I paid, even new. Contacted the seller to request a refund. She responded, confirming she sent the wrong item, that there was a shipping mix-up, and the shoes I received were intended for her XXXX sale headed for XXXX. **Note Poshmark is US only and does not allow sale or shipment to XXXX XXXX I did not know this at first and continued to treat this as a genuine mistake. ** Note that seller XXXX same name and profile photo ) has zero listings on XXXX. See evidence file. XXXX/XXXX/2018 : after no communication from the seller I attempted to message her in the XXXX marketplace and learned that she left the closed group **two hours** after I notified her of the shipping error, leaving me no choice but to contact her via email. XXXX/XXXX/2018 : Due to the increasingly hostile email exchange in which the seller used vile language and called me offensive names, and inability to resolve the issue with the seller directly, I opened claim XXXX with PayPal to mediate the return of the incorrect shoes and refund of my payment. The seller escalated my claim to a case on the same date. Seller refused my repeated requests to communicate only within XXXX XXXX XXXX and continued to harass me via external email. XXXX/XXXX/2018 : PayPal settled the claim in my favor, provided that I return the wrong shoes **to the address provided by the seller during the dispute process** with tracking confirmation. XXXX/XXXX/2018 : Logged on to the XXXX website to create a return shipping label but was unable to do so because the address provided by the seller **DOES NOT EXIST**. Called XXXX and there was **NO OPTION LISTED TO SPEAK TO AN AGENT**. Called and tried repeatedly to 'zero out ' and reach a person ; finally succeeded after multiple attempts. Spoke with an agent named XXXX, who performed a XXXX search and confirmed that the address provided by the seller does not exist. He instructed me to submit, via email, a screen shot of the XXXX website showing the inability to create a shipping label due to invalid address, along with my claim number to 'complaint-response@paypal.com '. I did precisely that within the hour. XXXX/XXXX/2018 : Having heard nothing from PayPal, I called again and spoke with an agent named XXXX at XXXX PM. He informed me that my claim had been closed without ANY NOTIFICATION OR JUSTIFICATION TO ME because the evidence requested must be uploaded. THE UPLOAD FEATURE WAS NOT ENABLED AT THE TIME I EMAILED THE EVIDENCE EXACTLY AS REQUESTED. I asked that he enable the upload feature in their XXXX XXXX and uploaded the same evidence as requested, immediately. XXXX/XXXX/2018 : Visited the XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA and spoke to two different employees, who confirmed they have never heard of a " letter of refusal ''. The second employee performed a search of the address on their computer system and confirmed they can not create a shipping label because the street and address provided do not exist. He informed me that he was unable to print out this information but provided an index card with the invalid address, and the name and phone number of his supervisor for validation purposes. Uploaded a photo of this documentation on XX/XX/2018 along with an explanation, to PayPal 's Resolution Center. Called PayPal again at XXXX PM and spoke with an agent named XXXX, who told me that PAYPAL IS AWARE OF SCAMMER SELLER USING PAYPAL 'S DISPUTE RESOLUTION PROCESS TO DEFRAUD CONSUMERS BY PROVIDING INVALID RETURN SHIPPING ADDRSSES DURING THE DISPUTE RESOLUTION PROCESS. HE SUGGESTED THAT I INSTEAD PURSUE DISPUTING VIA MY BANK. NOTE THIS IS UNETHICAL AND NOT AN OPTION FOR ME SINCE I PAID FOR THIS PURCHASE USING EXISTING PAYPAL ACCOUNT BALANCE. Escalated to a supervisor, XXXX, and explained that PayPal has already confirmed the invalid address and that it is IMPOSSIBLE TO SEND A PACKAGE TO AN INVALID ADDRESS WITH TRACKING CONFIRMATION. She told me that I must provide the " letter of refusal '', whether it can be obtained or not. XX/XX/2018 : Visited a XXXX XXXX and a FedEx store with the same results at each ; obtained evidence at each and uploaded to the XXXX XXXX. XXXX/XXXX/2018 : After no communication from PayPal yet again, called them and spoke with an agent named XXXX at XXXX XXXX. She also informed me that PAYPAL IS AWARE THAT SCAMMERS ARE RIPPING CONSUMERS OFF BY PROVIDING INVALID RETURN ADDRESSES and she " is sorry ''. I asked her to request a valid return shipping address from the seller and she said THEY HAD NOT AND WOULD NOT. I asked if I could return the wrong shoes to the seller at the address from where they were shipped in NH and she stated they MUST BE RETURNED TO THE ( INVALID ) ADDRESS PROVIDED DURING THE DISPUTE PROCESS, EVEN THOUGH THEY KNOW IT DOESN'T EXIST AND IT DOESN'T MATCH THEIR RECORDS. XX/XX/2018 : Visited a larger XXXX branch on XXXX XXXX in XXXX XXXX CA and spoke to a supervisor, who told me they are aware of this scam that fraudsters are performing by providing invalid return addresses. She created a shipping label for me, with tracking, and accepted the package for return. I called PayPal at XXXX PM and spoke with an agent named XXXX to appeal the dispute closure and provide the XXXX XXXX number. XXXX/XXXX/2018 : I received a notification from XXXX that the package could not be delivered because there is " no XXXX XXXX ''. Called PayPal at XXXX PM and spoke with an agent named XXXX to notify her that the package could not be delivered. She checked online and confirmed the same, informing me that she was escalating the claim to " PayPal back office Tier 2 ''. XXXX/XXXX/2018 : After no communication yet again from PayPal XXXX yes, I checked my Junk Mail folder ), called and spoke to an agent named XXXX at XXXX PM. He informed me that my claim had been closed YET AGAIN, WITH NO NOTIFICATION OR EXPLANATION TO ME, NOT IN MY FAVOR. I told him that I now had the actual returned package in my possession, showing all shipping labels and return markings. I had to insist repeatedly that he enable me to provide a photo of the package. HE REFUSED TO ALLOW ME TO UPLOAD TO THE RESOLUTION CENTER AND TOLD ME I MUST EMAIL THE PHOTO TO PAYPAL. **Note this is the same tactic employed by PayPal agents in the beginning of this process, resulting in the closure of my claim because I did not upload the requested evidence. ** Photo emailed immediately. XXXX/XXXX/2018 : After no communication YET AGAIN from PayPal, I logged in to their Resolution Center to see that my claim had been closed YET AGAIN WITH NO COMMUNICATION OR EXPLANATION. This leaves me no choice but to pursue resolution with the CFPB. | ||||||
| 07/24/2021 | Yes |
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| Dear CFPB, Below is the chronology of the case 1. I bought product from merchant in installment payment without time limit. The invoice worth {$2700.00} USD. Invoice attached here. For your information, invoice is paypal invoice. I paid in total {$1200.00} months ago and i have no idea that PayPal did not count the invoice as buyer protection but only count each payment made for 180days buyer protection. 2. Before pay the remaining balance of the invoice {$1500.00}. I contacted seller in XXXX. Why XXXX? Because XXXX is the only place we communicate as i dont have her XXXX number nor her mobile number. Seller online but did not response to me. I tried XXXX call as well but ignored. And then, i tried to contact her via XXXX pretend to ask about one of her listings and replied immediately. Attached XXXX inbox and XXXX response from seller. Therefore, it can safely concluded that seller avoid me purposely. 3. Something sounds not right for me so i decided to open case of previous {$1200.00} payments and found out already passed time limit. Because i trust PayPal i paid the remaining balance of {$1500.00} through PayPal invoice in order to open the case despite the fact that seller ran with my {$1200.00}. With a hope that PayPal can investigate this to its roots. 4. As you can see, balance paid by XX/XX/XXXX and i fill a dispute right away. Normally it takes 7 days before i can escalate it to a claim. But because i called PayPal. And told the whole story also provide black on white evidences. PayPal cs escalate for me because i told PayPal cs that in the invoice there is terms and conditions made by seller saying that in any events if buyer change mind there is 5 % restocking fee and the rest of the amount that already paid will be converted to a store credit. I told PayPal cs previously i will honor the terms and conditions made by seller for 5 % restocking fee but i refuse store credit because sellee is not selling anymore for the past half year. So store credit is no point. How to buy from someone who doesnt sell for half year already? 5. Because seller avoid me after took my money i decided to cancel the transaction because i dont want problems. Shipping from usa to XXXX as shown in invoice is {$160.00}. In case items received broken/incomplete PayPal only cover shipping refunds at maximum {$20.00}. And in this pandemic situation, you can also browse news XXXX is the epicenter of covid 19 in XXXX. I wont jeopardize myself to go to post office/shipping carrier with a risk to be exposed in covid. 6. I never fight for 5 % cancellation fee mentioned in terms and condition of PayPal invoice but seller has shown unethical business practice because case escalated to prevent her to ship the items but yet she still ship it. 7. I raised my concern to PayPal and PayPal said i can refuse package from XXXX. Paypal will take care for me. But in this pandemic everyone needs money and i have conscience so i stop the shipment while still in USA. If i refuse the package after arrived in XXXX seller will loss another {$160.00} shipping cost back from XXXX to USA. Im being considerate here and try to save money and trouble for everyone but this is what i get in return. 8. All calls i made to PayPal usa are recorded. I called PayPal on XXXX XX/XX/2021 to ask why case estimate pushed back to XXXX XX/XX/2021 and PayPal cs keep assuring me to wait until XXXX XX/XX/2021 PayPal promised i will get full refund of {$2700.00} invoice value if seller still not respond. And when i called PayPal XXXX XX/XX/2021 PayPal also assures me if within a day seller still not response to PayPal case will be closed in my favor. But all are empty promises. Fortunately i record all the call as precautions. 9. Paypal emailed me on XXXX 2021 stated that PayPal has credited temporary provision refund to me but it doesnt reflected in my credit card. Therefore, yesterday i called PayPal. PayPal cs admitted its a mistake and never credit any refunds to me. What kind of mistake is this? Is this mistake acceptable for a big company like PayPal? Attached the email from PayPal. 10. PayPal cs asked me to confirm with XXXX. If package confirm returned successfully and received by seller. I already provide statement from XXXX upper management specialist confirmed that seller has received back her package on XXXX XX/XX/2021. If PayPal wants to confirm the legitimate email from XXXX. PayPal is free to call and confirm with XXXX rather than keep me hanging and keep dragging me? Its such a huge amount of money. I would not pay {$1500.00} and makes me sink even deeper risking loosing {$2700.00}. 11. I would like to clarify regarding seller statement on the case. First, seller excuse not to reply me because i change my XXXX name so she doesnt know me. Its total lie. Regardless what ame i changed into, the XXXX has the message logs between me and her. She can scroll and find out who im. Or else, if shes lazy to screenshot she can ask me who im. And if she doesnt reply because she doesnt know me why she replies in XXXX to a stranger who ask for her item availability? Second seller accused me to block her from XXXX. Attached the screenshot of the message in XXXX of seller asked why i block her. My questions are if i block her how come i receive her message? And the funniest thing is, She has thousands dollar of my money why would i block her? Shouldn't be the other way around? 12. Attached here the copy of XXXX label, airway and commercial invoice filled by the seller that i received from XXXX XXXX. As shown the package value written by the seller is {$2700.00}. It match the total value of the PayPal invoice billed to me. Its undeniable evidence prove that i never receive any items in the PayPal invoice before. Therefore as recorded on my call with PayPal. Paypal will refund me total of full amount of the invoice {$2700.00}. Please crosscheck the commercial invoice with XXXX to confirm if the commercial invoice sent to me by XXXX that i attached here is a correct commercial invoice seller provided to XXXX. 13. Paypal change case filled on XXXX XXXX yesterday from item not received to item significantly different. How come PayPal justify its actions? Item returned to seller not even out from USA yet. Merchant can use it against me by saying im a liar. How come i claimed item significantly different if i never see it at all? 14. After that i immediately call PayPal and make a complaint about this. PayPal then change back the case to item not received. But its back to square one. Back to first step of dispute. Exactly the first step at XXXX XX/XX/2021 the first time i filled the case. Its dragging, twisting and just unjustifiable. 15. PAYPAL refuse to be responsible for their merchant invoice issued to me with excuse that its not an invoice eventhough the invoice has PayPal head logo on it. Paypal CS also asked me to provide additional information such as XXXX confirmation stating that seller already received her package back and send it to XXXX but yesterday when i spoke to the dispute specialist she said its wrong information as inbox not monitored but PayPal cs told me kust ignore the auto reply email because they will still add the additional documents. After that the specialist ask me to attach the additional information to paypal.com/il/uploaddoc. I did uploaded but she said she dont see any documents uploaded after that she asked me send to XXXX but then i also receive an auto response asked me to login and leave message. 16. I have reached out to upper management through XXXX but all of them no response and some of them read my message but ignore me. Attached the XXXX messages. 17. Paypal refuses to provide me full refund of the total invoice of {$2700.00}, despite there is a black on white evidence which is commercial invoice seller provided to XXXX for the value of package that match the total invoice of {$2700.00} and cornered me saying that i keep bringing the value of invoice. I would like to ask CFPB which seller in conscious mind will send buyer a package with product valued at {$2700.00} when buyer only paid for {$1500.00}? 18. Paypal stated that {$1500.00} i paid not through invoice. When in PayPal APP shown clearly its paid through PayPal invoice. I dont know why every PayPal agent even specialist always say different from another and always try to escape from responsibility by asking me who is the agent that provide me such information 19. PayPal cs promised me that PayPal will go through this case and will provide me FULL REFUND OF THE TOTAL INVOICE OF {$2700.00}. Because proven that the value of the package match the value of the total invoice. | ||||||
| 07/27/2021 | Yes |
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| Dear CFPB, Below is the chronology of the case 1. I bought product from merchant in installment payment without time limit. The invoice worth {$2700.00} USD. Invoice attached here. For your information, invoice is paypal invoice. I paid in total {$1200.00} months ago and i have no idea that PayPal did not count the invoice as buyer protection but only count each payment made for 180days buyer protection. 2. Before pay the remaining balance of the invoice {$1500.00}. I contacted seller in XXXX. Why XXXX? Because XXXX is the only place we communicate as i dont have her XXXX number nor her mobile number. Seller online but did not response to me. I tried XXXX call as well but ignored. And then, i tried to contact her via XXXX pretend to ask about one of her listings and replied immediately. Attached XXXX inbox and XXXX response from seller. Therefore, it can safely concluded that seller avoid me purposely. 3. Something sounds not right for me so i decided to open case of previous {$1200.00} payments and found out already passed time limit. Because i trust PayPal i paid the remaining balance of {$1500.00} through PayPal invoice in order to open the case despite the fact that seller ran with my {$1200.00}. With a hope that PayPal can investigate this to its roots. 4. As you can see, balance paid by XX/XX/XXXX and i fill a dispute right away. Normally it takes 7 days before i can escalate it to a claim. But because i called PayPal. And told the whole story also provide XXXX XXXX XXXX evidences. PayPal cs escalate for me because i told PayPal cs that in the invoice there is terms and conditions made by seller saying that in any events if buyer change mind there is 5 % restocking fee and the rest of the amount that already paid will be converted to a store credit. I told PayPal cs previously i will honor the terms and conditions made by seller for 5 % restocking fee but i refuse store credit because sellee is not selling anymore for the past half year. So store credit is no point. How to buy from someone who doesnt sell for half year already? 5. Because seller avoid me after took my money i decided to cancel the transaction because i dont want problems. Shipping from usa to XXXX as shown in invoice is {$160.00}. In case items received broken/incomplete PayPal only cover shipping refunds at maximum {$20.00}. And in this pandemic situation, you can also browse news XXXX is the epicenter of covid 19 in XXXX. I wont jeopardize myself to go to post office/shipping carrier with a risk to be exposed in covid. 6. I never fight for 5 % cancellation fee mentioned in terms and condition of PayPal invoice but seller has shown unethical business practice because case escalated to prevent her to ship the items but yet she still ship it. 7. I raised my concern to PayPal and PayPal said i can refuse package from XXXX. Paypal will take care for me. But in this pandemic everyone needs money and i have conscience so i stop the shipment while still in USA. If i refuse the package after arrived in XXXX seller will loss another {$160.00} shipping cost back from XXXX to USA. Im being considerate here and try to save money and trouble for everyone but this is what i get in return. 8. All calls i made to PayPal usa are recorded. I called PayPal on XX/XX/XXXX1 to ask why case estimate pushed back to XX/XX/XXXX and PayPal cs keep assuring me to wait until XX/XX/XXXX PayPal promised i will get full refund of {$2700.00} invoice value if seller still not respond. And when i called PayPal XX/XX/XXXX PayPal also assures me if within a day seller still not response to PayPal case will be closed in my favor. But all are empty promi ses. Fortunately i record all the call as precautions. 9. Paypal emailed me on XX/XX/XXXX stated that PayPal has credited temporary provision refund to me but it doesnt reflected in my credit card. Therefore, yesterday i called PayPal. PayPal cs admitted its a mistake and never credit any refunds to me. What kind of mistake is this? Is this mistake acceptable for a big company like PayPal? Attached the email from PayPal. 10. PayPal cs asked me to confirm with XXXX. If package confirm returned successfully and received by seller. I already provide statement from XXXX upper management specialist confirmed that seller has received back her package on XX/XX/XXXX. If PayPal wants to confirm the legitimate email from XXXX. PayPal is free to call and confirm with XXXX rather than keep me hanging and keep dragging me? Its such a huge amount of money. I would not pay {$1500.00} and makes me sink even deeper risking loosing {$2700.00}. 11. I would like to clarify regarding seller statement on the case. First, seller excuse not to reply me because i change my XXXX name so she doesnt know me. Its total lie. Regardless what ame i changed into, the XXXX has the message logs between me and her. She can scroll and find out who im. Or else, if shes lazy to screenshot she can ask me who im. And if she doesnt reply because she doesnt know me why she replies in XXXX to a stranger who ask for her item availability? Second seller accused me to block her from XXXX. Attached the screenshot of the message in XXXX of seller asked why i block her. My questions are if i block her how come i receive her message? And the funniest thing is, She has XXXX dollar of my money why would i block her? Shouldn't be the other way around? 12. Attached here the copy of XXXX label, airway and commercial invoice filled by the seller that i received from XXXX XXXX. As shown the package value written by the seller is {$2700.00}. It match the total value of the PayPal invoice billed to me. Its undeniable evidence prove that i never receive any items in the PayPal invoice before. Therefore as recorded on my call with PayPal. Paypal will refund me total of full amount of the invoice {$2700.00}. Please crosscheck the commercial invoice with XXXX to confirm if the commercial invoice sent to me by XXXX that i attached here is a correct commercial invoice seller provided to XXXX. 13. Paypal change case filled on XX/XX/XXXX yesterday from item not received to item significantly different. How come PayPal justify its actions? Item returned to seller not even out from USA yet. Merchant can use it against me by saying im a liar. How come i claimed item significantly different if i never see it at all? 14. After that i immediately call PayPal and make a complaint about this. PayPal then change back the case to item not received. But its back to square one. Back to first step of dispute. Exactly the first step at XXXX XX/XX/2021 the first time i filled the case. Its dragging, twisting and just unjustifiable. 15. PAYPAL refuse to be responsible for their merchant invoice issued to me with excuse that its not an invoice eventhough the invoice has PayPal head logo on it. Paypal CS also asked me to provide additional information such as XXXX confirmation stating that seller already received her package back and send it to XXXX but yesterday when i spoke to the dispute specialist she said its wrong information as inbox not monitored but PayPal cs told me kust ignore the auto reply email because they will still add the additional documents. After that the specialist ask me to attach the additional information to paypal.com/il/uploaddoc. I did uploaded but she said she dont see any documents uploaded after that she asked me send to XXXX but then i also receive an auto response asked me to login and leave message. 16. I have reached out to upper management through XXXX but all of them no response and some of them read my message but ignore me. Attached the XXXX messages. 17. Paypal refuses to provide me full refund of the total invoice of {$2700.00}, despite there is a XXXX XXXX XXXX evidence which is commercial invoice seller provided to XXXX for the value of package that match the total invoice of {$2700.00} and cornered me saying that i keep bringing the value of invoice. I would like to ask CFPB which seller in conscious mind will send buyer a package with product valued at {$2700.00} when buyer only paid for {$1500.00}? 18. Paypal stated that {$1500.00} i paid not through invoice. When in PayPal APP shown clearly its paid through PayPal invoice. I dont know why every PayPal agent even specialist always say different from another and always try to escape from responsibility by asking me who is the agent that provide me such information 19. PayPal cs promised me that PayPal will go through this case and will provide me FULL REFUND OF THE TOTAL INVOICE OF {$2700.00}. Because proven that the value of the package match the value of the total invoice. | ||||||
| 05/12/2020 | Yes |
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| I have been using PayPal since XXXX and have completed dozens of transactions, online purchases and online subscription payments using PayPal without issues, problems or claims. That changed on XX/XX/XXXX of this year and PayPal has revealed a side to me since that is a clear reminder why small people with bad judgment can be dangerous when wielding the power of very large corporations. They are holding my bank and credit accounts as hostage to spite me for complaining to my bank that PayPal made unauthorized charges and for reporting to XXXX that PayPal tried to get me to fraudulently get a refund from XXXX for purchases that I willfully made, but PayPal processed improperly and was too stubborn and uncaring to fix. I have supporting documentation for each and every piece of what I am reporting, including the transcripts of the conversations with PayPal agents. This ordeal began on the evening of XX/XX/XXXX when I prepared my PayPal account for 3 purchases by selecting the Preferred Payment Method for online purchases that I wanted to use that evening for the 3 transactions that I was planning. I completed my 3 online purchases from XXXX after receiving the email confirmation that PayPal had my Preferred Payment Method designated properly, which stated, " We'll use it whenever you shop online or send money for goods and services. '' I received the goods as ordered from XXXX, which included a {$9.00} XXXX XXXX for the XXXX game " XXXX XXXX '', a {$59.00} pre-paid 12 months of XXXX XXXX to add to the existing months that I already had remaining from the 12 months that I purchased last year and as I and millions of others have done for years, and a {$1.00} purchase of 1 month of XXXX XXXX which also entitled me to upgrade all of already paid for months of the earlier mentioned XXXX XXXX to XXXX XXXX The XXXX XXXX is {$14.00} per month if one subscribes to it and agrees to pay for it through recurring billings. You can see that all 3 of my transactions are not recurring billings, but are in fact online purchases. To be clear, none of the 3 purchases were automatic billings resulting from any transactions prior to them on the XXXX and there will not be any automatic billings in the future for those 3 purchases. I did not notice that PayPal had paid for those purchases using my checking account until the XXXX, when I was verifying that the IRS was depositing the Covid relief money into that checking account. While I had used PayPal for years, I had only added the XXXX account information 2 weeks prior on XX/XX/XXXX for the purpose of depositing cash if and when it might became needed by one of my children to transfer cash to them. Nothing had ever been paid for by PayPal using that bank account prior to them choosing to use it on XX/XX/XXXX and I had never made any purchases with it as my Preferred Payment Method or selected it in any way at all as an authorized way for PayPal to process any purchase or recurring billing. After noticing what had to be an error by PayPal, I reached out to PayPal using the online chat. I prefer talking to people, but I use what is available to me when I have to. I told PayPal that I did not dispute that I made the purchases, but I did not authorize them to charge them to that checking account and I needed them to fix their error and charge it to my Preferred Payment Method. As was supposed to happen " whenever I shopped online '', right? After arguing for hours with a couple of PayPal agents, I notified my bank of the unauthorized charges and explained in detail what exactly had happened. The bank rep had recently been hearing similar experiences involving PayPal. The bank removed the {$30.00} overdraft fee and filed a dispute on the unauthorized charges. The bank rep told me that it would take 10 days to process the dispute. Meanwhile, I discovered that XXXX had severed my XXXX XXXX access when one of my children tried to play a game on it. Also, the dispute was found in my favor for the purchases and PayPal had charged the {$9.00} again through my debit card. XXXX informed me that PayPal told them that I disputed the purchases and XXXX had refunded PayPal. I spoke with a very helpful XXXX agent who helped me repurchase directly what I had purchased before using PayPal. But, XXXX was awesome enough to adjust the 1 month purchase of XXXX XXXX so that we could recover the months of XXXX XXXX that I owned before the XX/XX/XXXX purchases that had been lumped together with the 12 month purchase and upgraded to XXXX and then subsequently poofed into the abyss as a result of PayPal 's shenanigans. Effectively, almost all of the damage caused by PayPal has been fixed my efforts and those of my bank and XXXX. All except that since this started, PayPal has refused to allow me to remove my checking account from them ever having access to it again. At first, they claimed it was because it tied to an automatic billing ( remember, the only charge ever made to it through PayPal was the unauthorized charges by PayPal on XX/XX/XXXX ). Then, they claimed that they are just trying to be helpful and demanded that I " confirm '' the account with them because of the reported suspicious activity. More recently, they clarified that are doing it because of the report of unauthorized activity. Obviously, they know and I have repeatedly reminded them that it was PayPal who was responsible for the unauthorized activity and they are holding all of my accounts as hostage in bad faith as a form of harassment and punishment. There are no monies owed and I can not believe it is lawful for PayPal to be holding my accounts hostage and exercising their power like this. It is scary that a large corporation like PayPal can do real harm to a customer who had been a raving fan of their services ; before they tried to get me to commit fraud and fraudulently reported to XXXX that I disputed the purchases. I told PayPal from the beginning that I intended the purchases, but PayPal made the mistake and I only wanted them to fix it by reversing the charges with my bank and charging the purchases to my Preferred Payment Method as I had authorized. I was never asking for anything free. PayPal turned a mistake they made into something sinister. PayPal still insists that they were correct to ignore my Preferred Payment Method because they argue the 3 purchases are " automatic billings ''. The fact is that XXXX can not and would never automatically charge me {$59.00} for a pre-paid year of XXXX XXXX, {$1.00} for a special upgrade of all of my existing XXXX XXXX or {$9.00} for the XXXX XXXX XXXX that I will only ever need 1 of in my entire life. In any event, I have never agreed to authorize PayPal or XXXX to charge any recurring billings to my checking account and have never had cause to expect PayPal would ignore my Preferred Payment Method, designating which account is authorized for charges " whenever I shopped online ''. I used PayPal because I did not want numerous corporations to have access to my financial accounts and to limit the risk. Ironically, I didn't trust XXXX with access to multiple accounts of mine. PayPal has caused me injury and continues to do so, arguably by intent, by holding my accounts hostage until I confirm my checking account with them when they know it was PayPal who was reported for the unauthorized charges. During much of this time, I was already dealing with my XXXX year old father, who I have lived with and been the XXXX for over the last 10 years, being hospitalized amidst Covid visitation restrictions since XX/XX/XXXX, in the XXXX XXXX following XXXX XXXXXXXX XXXX and then XXXX on XX/XX/XXXX. What PayPal is doing now is unnecessarily adding to what is already a stressful time. I refuse to give PayPal access to anything ever again and will not " confirm '' anything for them. Them requiring me to do that is frivolous harassment and reveals either a policy of willful abuse or poor judgment by bad actors who are too empowered. I have documented proof of the emails confirming transactions and changes to my designation of the Preferred Payment Method that confirms, We'll use it whenever you shop online or send money for goods and services. I also have some transcripts from PayPal and what I have transcribed and believe the entirety of all communications with PayPals online agents. | ||||||
| 02/02/2023 | Yes |
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| On XX/XX/XXXX, our company vendor XXXX XXXX sent {$1200.00} minus fees of {$22.00} to my Venmo business account for a deposit of {$1100.00}, but the funds were supposed to be deposited my personal Venmo account. Notified Venmo of the error : Sent to Venmo by mistake. Return to XXXX, XXXX ID : XXXX. XXXX resent the funds to my personal account : Transfer Date and Amount : XX/XX/XXXX PDT private+ {$1100.00}, Payment ID : XXXX On XX/XX/XXXX Venmo sent another {$1200.00} to XXXX XXXX which was a duplicate of the reversal : Transfer date and amount XX/XX/XXXX PDT+ {$1200.00} XXXX filed a dispute in XXXX : Dispute ID : XXXX Reason : You submitted your claim because you were charged more than once for the same transaction. VENMO Response : We researched this transaction and our initial review does not show an error. In order for us to investigate further, please send us a screenshot from your computer of these charges as they appear on your bank statement. Ensure that the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between XX/XX/XXXX and XX/XX/XXXX ( XXXX business days ) are visible. Keep in mind that screenshots from a computer typically include all of these details, while mobile banking screenshots may not provide complete enough information for us to take the next steps and correct any error that may have occurred. Venmo Response : We received the case ( XXXX ) you filed on XX/XX/XXXX. We have reviewed this transaction ( XXXX ) and are denying your case ( XXXX ) : This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. As we had previously issued you a temporary credit, please note that on XX/XX/XXXX, XXXX business days from the date of this email, we will debit the temporary credit of {$1100.00} USD from your Venmo account. You will be informed when this debit is completed. Hi XXXX XXXX XXXX XXXX, You did not have sufficient funds in your account to cover the repayment of a credit from your denied dispute case. Original transaction : Transaction Amount : {$1100.00} USD Date : XX/XX/XXXX Receiver Name : XXXX XXXX We attempted to debit the temporary credit we provided you for the dispute, but you did not have enough funds in your Venmo account to cover it. As a result, your account has been frozen. You still owe Venmo {$1000.00} for this dispute credit. We sent you an email on XX/XX/XXXX to let you know that we would be debiting your Venmo account by {$1100.00} USD to cover the temporary credit previously issued. This debit is now complete as of XX/XX/XXXX. My Response : Venmo you credited my personal account for the XXXX amount, then you debited my business account and paid XXXX again. Please kook at my persona account and you will see where XXXX had already been paid for this transaction from my personal account. If you look at the XXXX bank statement you will see there is no credit from Venmo for the amount of XXXX. Venmo Response : Hi Timeless Leisure & Fitness, Your Venmo account was charged to complete a repayment of a credit from your denied dispute case. Original transaction : Transaction Amount : {$1100.00} USD Date : XX/XX/XXXX Receiver Name : XXXX XXXX We've used the {$1000.00} in your Venmo account towards the outstanding amount you owed us for the temporary dispute credit we provided while we investigated your case. Your account has been reactivated! Venmo XXXX : XXXX XXXX, Our decision is considered final, but you can appeal it if you have new or compelling information or if you believe we made an error. We researched this transaction and our initial review does not show an error. In order for us to investigate further, please send us a screenshot from your computer of these charges as they appear on your bank statement. Ensure that the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between XX/XX/XXXX and XX/XX/XXXX XXXX ( XXXX business days ) are visible. Keep in mind that screenshots from a computer typically include all of these details, while mobile banking screenshots XXXX not provide complete enough information for us to take the next steps and correct any error that XXXX have occurred. Regarding Your Venmo Purchase Inbox XXXX XXXX ( Support ) Wed, XX/XX/XXXX, XXXX AM You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, Our decision is considered final, but you XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX PM to Support Do you have any status update? Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Support ) Wed, XX/XX/XXXX, XXXX AM Hello XXXX, After careful investigation, we have determined the appeal has not been resolved in your favor because you have been only billed once. We will no XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX AM to Support XXXX, you need to check the personal Venmo account transactions too. You are only looking at the Timeless Leisure transaction. The problem started with the personal account. image Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Support ) Wed, XX/XX/XXXX, XXXX AM Hi XXXX, Thank you for your response. Just so I can be sure were on the same page, can you tell me the following? - Could you please specify the issue? I ca XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX AM to Support Yes, that is correct. XXXX XXXX sent {$1200.00} on XX/XX/XXXX on your business account which was later requested to be reversed and as for payment sent it was payment to - XXXX for {$1100.00} on XX/XX/XXXX. XXXX then sent the {$1200.00} payment to my XXXX Venmo account. That should have been the end of it ; however, Venmo sent XXXX another {$1200.00} in XXXX from my XXXX Venmo Account. Do you see the transaction history? This issue has been going on for months and I have explained it to the phone representatives numerous times. Please advise... XXXX XXXX XXXX XXXX XXXX ( Support ) Tue, XX/XX/XXXX, XXXX AM I can see that the charge on XXXX was made because of your request to reverse payment from - XXXX for {$1200.00} on XX/XX/XXXX received in support phone ca XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX AM to Support That is incorrect! I did not authorize XXXX payments. I authorized the reversal because XXXX made an error and she was not allowed to do the reversal herself. The only entity that can perform reversal transactions is Venmo. Please advise Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Support ) Tue, XX/XX/XXXX, XXXX AM Hello XXXX, Thank you for clarifying the situation and your cooperation. We have approved your appeal and credited {$1100.00} to your Venmo account at this XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX PM to Support XXXX, the account now shows a negative - {$100.00}. When will Venmo deposit the {$1200.00} that was withdrawn from my account? Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Support ) Fri, XX/XX/XXXX, XXXX AM Hello XXXX, Thanks for reaching back. I can see in our system that your business account is + {$100.00} after we have credited your account on XX/XX/XXXX. Your XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX AM to Support Where is the entire amount? The total should have been {$1100.00} Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Support ) Fri, XX/XX/XXXX, XXXX AM Hello XXXX, After the refund, your account was reinstated to the status prior to incorrect reversal, which was + {$100.00} USD. Venmo is a service of XXXX, In XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX AM to Support The account is short {$1100.00} Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Love yesterday, today and forever. XXXX XXXX On XX/XX/XXXX, at XXXX AM, XXXX XXXX ( Support ) XXXX wrote : | ||||||
| 11/05/2018 | Yes |
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| Paypal has put my account on suspension for 6 months. They refuse to tell me how to fix the problem when I contact them. I have done everything they requested. Its been literally over 6 months since I did what they asked. I followed their steps exactly. I have called nearly 100 times and they send me an automated response. Ive used their chat and they basically say they will elevate. Its been elevated since XX/XX/2018. The reps have said numerous times they can see nothing wrong with my account. When they elevate I just get an automated email saying email their other email or use their chat. Its a vicious cycle of just sending me in an identical circle 1. Email, call, or chat for help 2. Tell me they can see nothing wrong and will elevate 3. Elevate creates an auto response asking me to email, call, or chat the same numbers I've contacted 4. Repeat above scenario So for 6 months I can't access my account or funds. Below is a transcript of last chat. As you can see they just repeat the same circle. Heres a transcript of your chat with PayPal from Mon XX/XX/2018 PayPal : Thank you for choosing to chat with us. An agent will be with you shortly XXXX : Hello, Thank you for contacting PayPal. My name is XXXX. Hope you are doing great. I will be happy to assist you today. XXXX XXXX : My account has been temporarily suspended while I submitted a new I.D . I submitted the approved information XX/XX/18. It has been over 6 months. I have made 18 calls. Ive been told it appears I did everything right and it will be escalated to be resolved. I really need to use my account. Can you please find a specialist that can assist me. I'm very frustrated and no one has been willing to put the work in to find someone that can give me an answer. XXXX : On a personal level, may I first say I'm sorry if your experiences in dealing with us to date havent been satisfactory. XXXX : I will try my best to get this answered for you. XXXX : Let me pull up your account and check this for you. I would need few minutes to get this reviewed. XXXX XXXX : I appreciate the apology but I really need someone to make the calls and find a supervisor or specialist that can resolve this issue. Its way overdue XXXX : I do understand that. XXXX XXXX : Also it asks me to remove my email on the temporary issue. I have been trying that since XXXX. It won't let me remove the email. Which makes sense since it is how you communicate with me. Evertime I go to resolve this issue it give me an error code and tells me to contact customer service. I have went through that part of the process over *** times, no exageration. XXXX XXXX : *** XXXX : I can definitely understand your frustration right now. At this time, this type of limitation can't be resolved faster. I truly wish this could be taken care of through the chat service, but I am not going to tell you something can be done when it can't. I am being completely transparent with you. XXXX : The quickest possible solution as of now is to call our support team over at XXXX at your next convenience to speak with an account specialist. They are best equipped to assist you with your queries. XXXX XXXX : Also I get apologies but no one has taken the time to get me an answer. Literally Im sorry mr XXXX but i cant see why it isn't working, is what i herer. XXXX XXXX : Ive called customer support. It disconnects me everytime. That is the 18 calls I referenced above. who can you call is what I need help with XXXX XXXX : I called 18 times this weekend. That doesn't count the many more times ive called of the past 6 months. I follow the prompts to resolve and everytime it discconects as it tries to connect. It literally feels like it is intentionally set up as line to disconnect rather than deal with the probelm XXXX XXXX : So once again who can you call or chat with to resolve my issue XXXX : I can relate to the frustration and wish I had a better answer for you. XXXX XXXX : Ive had this account for years and never had a problem with anything with me or a vendor. It makes no sense XXXX : I suggest you need to call the general number and ask for the Limitations team. XXXX : They will redirect you to the correct team to get this worked. XXXX XXXX : Your answer is the same. There is no way to get connected. Please try it yourself. You will get disconnected XXXX XXXX : This has been the same process so it isn't a weekend long system issue. You can't get anyone from limitations. It will disconnect you every time. Been going through this since XXXX XXXX : I do understand the frustration that you have been through.I will do something XXXX XXXX XXXX : I just tried from my work phone and yet dissconnect XXXX XXXX : Im a good customer. I don't understand why no one wants to help. Its mindboggling XXXX : I will move this to Review and the team will review this for you and get back to you if they need any additional details. XXXX : I appreciate you being with us for long and hope to continue the relationship. XXXX XXXX : Ive been moved to review many times since XXXX. Please try and get a supervisor from that department on the phone. You are giving me the same no result answwer Ive been getting since XXXX XXXX : I request you to extend your patience for 3-5 business days more while the team gets this reviewed for you. XXXX : My apologies since we do not have a outbound calling service. XXXX XXXX : Nothing will happen when you elevate me. Ive waited 3-5 business days since XXXX multiple times. NOt once have I gotten anything but automated emails telling me to do what Ive already done XXXX XXXX : Please just figure out how to get me help. XXXX XXXX : There is no way someone in your building can't contact someone via email or intra office communication that you have been dropping the ball since XXXX. Im pleading with you XXXX : There is no specific supervisor whom I may direct you to. I understand that the waiting might seem forever for you, however I have done the needful and it is unfortunate that you need to reach us over call to get this sorted. XXXX : I understand that you have been patient for long and I will escalate this to the team via an internal escalation process to see if this can be expedited. XXXX XXXX : You have done nothing different. Im begging you to get creative. There has to be a way to get a person, not an automated email to reach out or respond to me XXXX XXXX : The internal escalation process is going to get me an automated email telling me what to do. Ive been through it countless times since XXXX XXXX : I assure you that I have utilized my resources completely to get this answered for you and the last escalation suggested is the only option that I have now. XXXX : To be honest, I have nothing more productive as of now. XXXX XXXX : So your company has no option for a supervisor to get involved? XXXX : Chat support is in its growing phase. We wish to get this resolved over chat, nonetheless, we never encourage customers sharing their personal details over chat. This has been formulated just to ensure that we protect your account security. Thank you for your cooperation. XXXX : That is the process I referred to for an escalation. Would you like to move forward with this? XXXX XXXX : Ive been through this. You have to know that im being honest. How can you move on from this chat knowing that absolutely nothing will be done to resolve my problem? How can you look yourself in the mirror. XXXX : I do have limited access and I did my part. There are certain limitations that we are obliged to obey over chat. XXXX XXXX : I don't believe you don't have a supervisor in that building capable of reaching out to someone in leadership to make something broken become fixed. Y XXXX XXXX : Ive called and those same limitations are on the phone excpet they send you to a dead line XXXX XXXX : Both phone line and chat claim they can elevate me which in turn send me to an automated email. Which states don't respond. It states to chat. Its a circle meant to frustrate and not resolve customer problems? XXXX : XXXX, I have provided you with all the possible answers and there is nothing more than I may offer you. The only option left is to call. I suggest you call after some time. Since I have provided you with all the available answers, I am closing this chat window. | ||||||
| 08/17/2017 | Yes |
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| XX/XX/XXXX, I made purchases on PayPal in the amount of $XXXX using my XXXX checking account. I lost my job and had to cancel my transactions that day. I paid $XXXX to XXXX to do this to avoid problems and overdrafts so I could afford rent at my cousins while being unemployed on food stamps. - One Paypal merchant stoped the process and got her money back (see below) but not me. - The other I tried to return and they never got back to me after multiple times....so I never knew if XXXX got it. My cousin lives in a neighborhood where everyone knows everyone. It wasn't stolen. I left it on the porch for XXXX to pick up as they told me. It was gone when I got home from job hunting. PayPal sent me to collections. I reported fraud to PayPal and XXXX. XXXX did nothing but overdraft fees over $200 still not paid. I had to get a new account at XXXX XXXX. Paypal fraud is overseas and XXXX fraud was sometimes overseas. I thought that this was illegal US banking. The only person who seemed to help me was PayPal's collection agency XXXX. XXXX believed error on PayPal and XXXX and asked me to keep records and screenshots. I have a file and follow up to him, Paypal collections and the CEO a lot via email with screenshots and the below message. The email I send which XXXX XXXX sad was perfect is: Hello, This is fraud. I am not responsible for these charges not ever being credited to my account. After speaking with XXXX XXXX at XXXX XXXX XXXX he feels strongly my case is fraud on PayPal's doing. Not the merchants or myself. Being a PayPal customer since XX/XX/XXXX I have never had any problems with PayPal or problems on XXXX with a score of XXXX in positive feedback. Background I was laid off work and had my bank XXXX stop payment on the transactions for XXXX XXXX, XXXX (aka XXXX XXXX XXXX XXXX) and XXXX XXXX (aka XXXX) so I could afford rent at my second cousins who graciously took me in as well as food. The government gives me $XXXX a month for food stamps and I receive a tiny unemployment check. Leaving the city of XXXX to live with 2nd cousins I hardly know was hard. I do not drive. There are no side walks and I am in the middle of nowhere. I have spent over 15 hours of phone time working on Paypal, XXXX, XXXX on this to avoid credit damage and protect myself. Every time I contacted PayPal I was put through to your overseas outsourcing operation. They did not understand the problem. I spoke to several and got different answers every time, including from their supervisors. I am protected by fraud under many laws. Especailly, ones that have to do with outsourcing financial fraud matters to other countries. Why is this fraud after I stopped payments? -XXXX XXXX XXXX never shipped the item because I told them not to. They paid back PayPal on XX/XX/XXXX which was the date the payment cleared. I have many emails of documentation. Nice merchant. You never credited my account. If I look on my PayPal account it says refund sent. Seeing she paid you back I should not be in the negative and PayPal is committing fraud. -XXXX XXXX. (XXXX) said they shipped the item via XXXX the day I ordered online before I could tell them not to and cancel. I asked them what to do when the package arrives. They stated to leave unopened and write "refused" and bring it in to a XXXX XXXX. When I arrived at the XXXX XXXX they said even though the package wasn't opened only a dispatcher can go pick it up. She gave me the wrong number and I had to find it myself for the area XXXX dispatcher. When I spoke to the dispatcher she apologized and said the XXXX store should have taken it. I asked if we were on a recorded line for proof of documentation. She said yes and XXXX will pick it up on the doorstep at XXXX XXXX XXXX, XXXX XXXX IL XXXX the next day. I did this and the package was gone later the next day. I realized I never had the tracking number on the PayPal receipt which was also used for the return. Why did PayPal not provide the tracking number? Also this merchant has not yet provided tracking number. No tracking number records to the buyer is not proper business. They emailed me back saying the have not received the package. I explained XXXX got it and you have the tracking number so please track the return. This is a small neighborhood where people don't steal an everyone knows each other for decades.I have no criminal history or negative PayPal history either. It also says refund received but never on PayPal but never taken off this negative balance causing two XXXX payments to be stopped as well. -PayPal was having me deal with fraud calls in other countries which is illegal. I believe all the time I wasted was talking to people in the XXXX or XXXX, which they admitted to on their recorded lines. US government requires US companies to handle fraud within the US. -XXXX fraud pointed the fingers at Paypal and did nothing. Since then I have acquired over $XXXX in negative balance in my XXXX checking account which consist of overdraft fees of $XXXX for the already posted transactions you pushed through. Then another $XXXX for still not being able to pay them. You owe me money. Also you owe me through your fraud the $XXXX I had to spend 4 times to stop these payments $XXXX. 1. Total you I owe to PayPal by law is to be set to $XXXX and by your errors. 2. Please also provide a check for $XXXX owed to (XXXX XXXX, myself) for the funds wrongfully taken, transaction fees from my negative balance due to your wrong doing, overdraft fees and the fees I paid to stop payment which I am entitled to on my XXXX account -It wasn't till your "wonderful, kind, smart outsourcing in the US, representative, XXXX XXXX could understand my story and how all this could have been prevented by PayPal and not outsourcing my fraud complaints to other countries. Conclusion Let's settle please immediately on my terms. I am not meeting in the middle and will not be bullied by PayPal and XXXX checking, when you clearly violated multiple Federal and international laws everyone should know about. The second I said, "fraud" your foreign customer service should have connected me to a US fraud specialist. Please send my check to my address on file and wipe out my negative PayPal balance in full. I have legal insurance and do not wish to use that on this silly matter. I am unemployed, in debt, no money, no food, no health insurance and been 100% law abiding citizen in the US for XXXX years, my whole life. I expect this done in 5 - 7 business days and then laid to rest. Regards, XXXX XXXX XXXX On Fri, XX/XX/XXXX at XXXX XXXX, PayPal wrote: This message contains graphics. If you do not see the graphics, click here to view. PayPal Dear XXXX XXXX, We have attempted to contact you on multiple occasions to make you aware of an outstanding issue with your account. Our records still indicate that your PayPal account has a negative balance of $XXXX and has been negative for at least 36 days. This is an urgent matter that requires your immediate attention to ensure continued availability of your PayPal Account and to avoid additional collection efforts. If you do not resolve your negative balance today, your account could be sent to an outside Collection Agency for further action. Please log into your PayPal Account today and follow the steps outlined below to resolve your negative balance. 1. Access your account at PayPal.com 2. Click the "Resolve your negative balance" link located next to your PayPal balance 3. Select the "Add funds to your account" option and click "Continue" 4. Select the "Add funds" option that best suits your needs and click "Continue" 5. Select your preferred payment method (Credit/Debit Card or Bank Account) 6. Enter the payment amount and click "Continue" 7. Click "Add Funds" Were here to help. If you have any questions regarding this message or you are unable to make a payment on your account, please contact us at XXXX to discuss your options. We are available Monday through Friday from XXXX XXXX to XXXX XXXX Eastern. If you have already resolved your balance, thank you and please disregard this message. Sincerely, PayPal Do not reply to this email. Please send all messages through the email form on our website. Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. | ||||||
| 01/22/2023 | Yes |
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| I have been getting emails from Venmo regarding an account that I never asked for. The first time I ever heard of Venmo was when I got one of these emails. I never wanted anything to do with this company, and would still like them to just go away. I have dug through my email and appended all the pertinent messages I have. In the latest, they are asking for a bunch of personal information that of course I will not supply to such a sloppy operator. One wonders if they are up to something untoward like the XXXX XXXX fake accounts scandal. -- -- -- -- -- -- -- -- -- -- -- - The thread, latest email XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi There, My name is XXXX XXXX and your account has been escalated to me Thank you for contacting us. Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the BANK ending in XXXX You can find our Document Upload Form here : XXXX : XXXX? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name. If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. We appreciate your cooperation and look forward to hearing back from you. Best regards. XXXX XXXX [ Account XXXX ] Venmo Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- earlier email XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX created this problem, you fix it. On XX/XX/XXXX XXXX, Team Venmo ( Team Venmo ) wrote : XXXX Venmo Help XXXX XXXX You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. XXXX XXXX Hello XXXX, XXXX XXXX Thank you for your response. > > We've frozen your account because we need to verify that you're the owner of this account. It appears that you have not provided us with an ID. Using this link, please submit an unobscured XXXX copy or picture of your unexpired government-issued photo ID which shows your legal name to begin the review process : XXXX XXXX https : XXXX? XXXX & XXXX XXXX XXXX Acceptable forms of ID include your driver 's license, state ID card, passport, or green card. XXXX XXXX Thank you for your cooperation, XXXX XXXX XXXX Venmo XXXX XXXX Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX > > [ XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- next earlier email XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- Thanks XXXX XXXX XXXX XXXX should not have any account linked to my email address, and certainly not one created today ( XX/XX/XXXX ) as your system claims. I have never had any interaction with Venmo prior to receiving your email asserting ( falsely ) that I have an account. Nor do I have a phone number ending in XXXX. Please close that account and expunge all records having anything to do with me. If the account really was set up by accident, it raises the obvious question of how your processes could be sloppy enough to let that happen. Only fools do business with sloppy financial institutions. One other thing. An earlier email advised me to click on a link to report the problem. Everyone knows that clicking on links in unsolicited emails is a security risk. This is poor advice to give anyone. On XX/XX/XXXX XXXX PM, XXXX XXXX XXXX XXXX Venmo XXXX wrote : XXXX Venmo Help XXXX Venmo Customer Support XXXX XXXX Your request ( # XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX XXXX XXXX ( Venmo ) XXXX XXXX XX/XX/XXXX, XXXX PM XXXX XXXX Hello XXXX, XXXX XXXX Thanks for contacting Venmo! My name is XXXX I'll be assisting you. XXXX XXXX I hope you're doing well today. XXXX XXXX I'm glad you reached out to us. I'll be delighted to help you out with this. > > We do have an account in our system that's linked to the email you wrote in from- it's possible you may have created it a while ago and forgot about it. The account tied to this email was created on XX/XX/XXXX and is linked to a phone number ending in XXXX. Do you ( or did you ) have a phone number matching that information? If so I'd be happy to cancel the account for you, but for security reasons I'll need you to confirm that full phone number for me. > > If that doesn't match your phone number then it's likely what happened is someone else misspelled their email when creating an account with us and wound up accidentally adding yours. If that's the case I can go ahead and remove your email from their account so you don't receive any further notifications from us. Let me know! > > Looking forward to hearing back from you soon! XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Venmo I Support XXXX XXXX This email is a service from Venmo. XXXX Venmo Customer Support > [ XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - earliest email XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- Why am I getting this email and many copies of the attached email? I have no Venmo account, never asked for one and don't want one. I have no XXXX XXXX account either, as the attached email alleges. Nor any relationship with XXXX. -- -- -- -- Forwarded Message -- -- -- -- Subject : Verify Email Address on Venmo and See Helpful XXXX Date : Fri, XXXX XX/XX/XXXX XXXX XXXX From : Venmo XXXX Reply-To : XXXX To : XXXX venmo We're so happy you're here! Dear dfsfd, Welcome to Venmo! Now all that's left to do is verify your email address so we can let you know when you get paid. Verify your email Some helpful information Get to know us - what Venmo is best used for, safety tips, and more info so you can use Venmo like a pro. Payments on Venmo Buyer and Seller Beware Who Can See My Venmo Transactions? Friends on Venmo Secure Your Venmo Account Bank Withdrawal Timing Prohibited Transactions We're always here for you Any questions? Want to connect with us? You can always reach out to Venmo XXXX. Thanks, XXXX Venmo Wasnt you? Report this email here. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please do not reply directly to this email as you will not receive a response. For assistance, please visit our Help Center at help.venmo.com. [ Venmo ] Your bank account has been added.eml Subject : [ Venmo ] Your bank account has been added From : Venmo XXXX Date : XX/XX/XXXX, XXXX To : XXXX venmo XXXX In order to do this, we already issued two small deposits and two withdrawals of the same amount to your bank. Check your XXXX XXXX XXXX XXXX statement in 1-3 business days, then go to https : //venmo.com/verifybank to verify the amounts. Add an additional layer of security to your Venmo account by setting up a PIN code in our mobile app. Learn more Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ||||||
| 04/27/2021 | Yes |
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Web | Older American, Servicemember |
| XX/XX/2021through As an investment, I purchased XXXX and XXXX crypto currencies from PayPal to be held in my account. On XX/XX/XXXX, several fraudulent activities occurred in my PayPal account. These activities involved : ( 1 ) the unauthorized fraudulent sale of XXXX and XXXX from my PayPal account ; ( 2 ) the introduction of a XXXX XXXX Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) three bogus changes of my address involving three different states ; ( 4 ) the remotely purchased XXXX using this XXXX XXXX Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXX XXXX Debit card only 30 minutes after it had been added to my account! On XX/XX/XXXX, after the fraudulent sale of the cryptos and the three transfers out of my account, the only remaining CASH in my account was {$280.00}. This did not include remaining XXXX in my account. After an earlier appeal to the Consumer Protection website, of PayPals denial of these unauthorized transactions, PayPal on XX/XX/XXXX, finally acknowledged the unauthorized fraudulent transactions, and they reimbursed the monetary transfers out of my account of {$800.00}, {$2000.00}, and {$1900.00}, MINUS THE FEES OF {$100.00}!. This amounted to a {$4700.00} credit. On XX/XX/XXXX there was another entry for a XXXX sale refund??? of {$2000.00}. which was reversed the following day on XX/XX/XXXX. These two self-canceling transactions make no sense, because there was never a XXXX refund transaction to start with. After crediting my account on the XXXX, two days later on XX/XX/XXXX, PayPal did a reversal and subtracted {$3100.00} from my account, plus an additional {$2000.00}, for a total {$5100.00}. This means that PayPal removed {$380.00} MORE than they replaced, which also took out the cash balance in my account! On XX/XX/XXXX, I received an email from PayPal at XXXX XXXX ( the middle of the night ) regarding my latest dispute, stating that they had tried to call me for more information on the XXXX prior to this XXXX XXXX email, stating that they were unable to locate the transaction. I received no phone calls from them in those early morning hours. Their email also encouraged me to work with the seller to find a resolution! They WERE the " seller ''! This was a form letter like all the rest of the correspondence I have received from PayPal, which ignored that the fraud had taken place. See the attached PayPal correspondence. To review : on XX/XX/XXXX XXXX XXXX ( XXXX ) was fraudulently sold in my account and the proceeds of {$1900.00}, after fees, was transferred out of my account on a XXXXXXXX XXXX Debit card that had just been fraudulently added to my account. Next, XXXX XXXX ( XXXX ) was fraudulently sold in my account, with the proceeds of {$3000.00}, after fees. Of this amount, two transfers of {$800.00} and {$2000.00} were transferred out of my account using this same fraudulently added Visa Debit card, amounting to three cash withdrawals totaling {$4700.00} after fees. Cash remaining in the account after these fraudulent transfers was {$280.00}. After PayPal 's removal of credited funds, they also removed this remaining balance. PayPals accounting is a mess and they only respond with non-relevant form letters, not having reviewed any of the material that I have provided. I simply want the XXXX XXXX ( XXXX ) and the XXXX XXXX ( XXXX ) replaced that was fraudulently sold from my account! This was intended to be an investment. The following is the previous complaint XXXX # XXXX XXXX that I filed with the Consumer Protection Bureau on XX/XX/XXXX. All relevant support material accompanied that complaint : XX/XX/XXXX This complaint is about PayPal. On XX/XX/XXXX, several fraudulent activities occurred in my PayPal account. These activities involved : ( 1 ) the fraudulent sale of my XXXX and XXXX in my PayPal account ; ( 2 ) the introduction of a XXXXXXXX XXXX Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) the following purchase of XXXX with this XXXXXXXX XXXX Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXXXXXX XXXX Debit card only 30 minutes after it had been added to my account! I have used PayPal for some time for merchant purchases, to limit exposure to my credit card information.. Recently PayPal began marketing XXXX and XXXX so I made purchases on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Prior to these purchases, I held NO asset balance with PayPal. Only 14 days later from my last purchase, the above fraudulent activities occurred on XX/XX/XXXX. I have attached support material regarding my multiple claims. In addition to the previous fraudulent activities, the perpetrators of the fraud made three fake address changes, involving three different states. It appears that the fraudsters KNEW that cryptocurrencies were in my account, as demonstrated by their final purchase of the XXXX and the timing of the fraud. They also knew that the Two Stage Authentication, which PayPal claimed was in force on my account since XX/XX/XXXX was, in fact, NOT ACTIVATED, and as a result was vulnerable. If the Two Stage Authentication was active, my account could not even be logged into without receiving an activation code via my cell phone. The evening of the fraud, when I called PayPal using my cell phone to report the fraud and reset my login password, was the FIRST TIME that an authentication texted code was required to access my account. PayPal claims that a texted code was sent to my smartphone allowing the fraud, but that is NOT THE CASE! I sent PayPal a picture of my cellphone texts from the XX/XX/XXXX time frame, and it shows that NO CODE WAS SENT ( see attached )! A texted code was NEVER REQUIRED to access my account, prior to the night of the fraud when I reported it and requested a password reset. I then requested the account be locked down. My many appeals to PayPal have resulted in the same form letter response. On the night of the fraud I responded to PayPal 's emails, that the address changes were bogus, but on XX/XX/XXXX when I called XXXX to renew an appeal, the bogus addresses were STILL SHOWN ON MY ACCOUNT. I called XX/XX/XXXX where the XXXX XXXX Debit card was issued, and was told that no record of my name or social security number was registered at their bank, and the actual owner of the XXXX card would not be divulged, and to report the incident to the government fraud site. PayPal made no attempt to track this card 's owner, but just blamed me. PayPal did not send me authentication codes prior to the fraud. They merely sent notifications of changes to my account via email, requesting me to notify PayPal immediately if I did not initiate the changes myself. I did not see the emails regarding the fraudulent changes until the evening of XX/XX/XXXX, AFTER THE FRAUD HAD TAKEN PLACE. I did not authorize the fraudulent changes using the two stage authentication code as PayPal claims, because it had not been activated on my account. PayPal was negligent in safeguarding my account and accepts no responsibility in their lack of oversight. If two stage authentication was active, this fraud could not have taken place. Supporting documentations is attached. Replace the XXXX and XXXX crypto currencies that were sold, with which the proceeds were transferred out of the account. I should not be charged for the fees involved in these transactions. Your " investigations ' are a sham and only determine which standardized form letter to send the victim which l determines that they are responsible for a breach. Pursue the ownership of the Visa Debit card that was added to my account and identify and prosecute the perpetrators who surely make fraud their profession. Actually investigate this and other similar frauds and prosecute the perpetrators who probably have preyed on your other account holders by sharing and working with federal agencies to make this fraud less lucrative. If automated procedures can not be exempt from fraudulent activity, then they should not be automated! | ||||||
| 01/28/2021 | Yes |
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Web | Older American, Servicemember |
| This is the response to the companies response for case # XXXX with my responses in parenthesis. ( No way to highlight or color on this site ) Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPals user agreement ( User Agreement ). ( Anything to do with my complaint of not being able to contact you to fix the problems I am having? If I have not participated with any of these agreements please spell them out. If you are trying to say you can do whatever you want as far as not giving me proper access to my funds I doubt you will be able to do that. You may be asking for some real trouble with that one. Which is where this is heading if you do not start helping me fix these issues and get access to my funds other than buying things using paypal or my paypal debit card. ) On XX/XX/XXXX, you provided your XXXX XXXX savings account ( Savings Account ) to PayPal to use as a funding source and for withdrawals ; that same date, PayPal sent two small deposits to your Savings Account to complete the confirmation process. On XX/XX/XXXX, you provided your XXXX XXXX checking account ( Checking Account ) to PayPal to use as a funding source and for withdrawals. ( I need a compete transaction listing so I can research this. ) It is important to note that the deposits sent to your Savings Account were never verified with PayPal ; consequently, we could not confirm ownership of your Savings Account. You will not be able to use your Savings Account with your Account as a funding source until you complete this process. ( I already stated what the problem was with that and why I couldnt complete it. It is you webpage problem. Why did you ignore that part? Quit trying to act like I am the problem with any of this. ) On XX/XX/XXXX, you removed your Checking Account from your Account. On XX/XX/XXXX, you began attempting to re-add your Checking Account to your Account ; however, your attempts were declined by PayPals internal security model. While we recognize this can be a frustrating experience, this security system helps uphold the safety and integrity of the PayPal community and is intended functionality. Our internal security model takes into account multiple factors to assess potential risk associated with transactions or account changes. In this case, the risk factors considered include : Your Account was accessed from locations inconsistent with any address known ( by PayPal ) to be associated with you. ( Where are these locations you are claiming I am using for accessing, and what accounts exactly, from? I am at my same location every time I access or attempt to access any of my bank or paypal accounts. ) The only banks active on your Account were your unverified Savings Account and a prepaid bank account. ( You just stated that no accts were associated with my acct as the checking acct was removed. Now you talk of another acct. What is this prepaid bank account? I dont even know what a prepaid bank account is ) Your Account has a P.O. box listed as the primary address ; this prevents us from completing certain verification steps. ( what account? ) Between XX/XX/XXXX and XX/XX/XXXX, you contacted PayPal Customer Support via chat and requested that PayPal allow you to link your Checking Account to your Account. At this time, a Customer Support representative offered to complete a security verification step to link your Checking Account ; however, you did not respond, which caused the chat session to automatically close on XX/XX/XXXX. ( I am not to be the one that adjusts 100 % of my life for your chat system. I waited hours the first day and no one ever responded. I finally closed the page after about 12 hours and shut off my pc. The next day you sent me an email that you were responding and to go to the chat. I did and again there was no one there and went through the same kind of experience. The next day the same notification and I went there with no one available, but I did give some info on what they problem was. I waited and made my complaints to the cfpb over this as I cant keep playing these disgusting, disrespectful games with your chat. I have stated what is wrong and as far as I know they have not been fixed. When that ever is contact me on that issue. You go all over the place and never take care of my actual problem. I gave up on using the paypal system as it was completely unacceptable and nearly useless to me so I moved on to using an agency that you will likely respond to. If this kind of communication is used instead of proper communication I have a feeling someone will be stepping in and requiring proper customer service. Nearly every other company I deal with can supply proper phone service, the virus scam is no excuse for most of this. I dont even want to know how much money your company revenues are, I know it is pretty massive and certainly allows enough to run customer service. Open up a bubble center with workers that live there so they can provide service, stop using excuses. ) Upon receipt of your complaint, PayPal conducted a full review of your Account and confirmed that your Account activity had remained consistent before, during, and after your attempts to link your Checking Account. Therefore, on XX/XX/XXXX, PayPal added your Checking Account to your Account to be used as a funding source and for withdrawals. ( I never authorized this. I was attempting but never actually completed it so you have improperly added that account. ) It is important to note that effective XX/XX/XXXX, PayPal and XXXX became separate entities ; and PayPal is no longer owned by XXXX. In reference to your complaint regarding XXXX requirement that you use PayPal to accept funds from XXXX sales, we recommend that you contact XXXX Customer Service at XXXX. ( And you should tell XXXX you do not want to do business with them as they are forcing us to use a service making you dislike. Do you want that? Dont just tell me what to do, I and multitudes of others have expressed our displeasure with the situation already and continue to. This kind of garbage is just another reason we do not like your company. ) Due to COVID-19 and limited staffing for safety precautions, you were unable to speak with a PayPal representative regarding your concerns. We apologize for this experience, but we can assure you that we are still committed to providing world class customer service. At this time, we can be reached via email or chat. We appreciate your understanding. ( This paypal answer goes all over the place with things that have little to do with my problem and nothing helping me get access to CS like I need. A big waste of time, but I guess someone gets paid to use their time for this and add to wasting my time. This company still has not given me a way to contact them to fix these problems. Not one that is there when I am not there. What is the exact answer to that? I have stated my problems in their chat and never received a full answer to how to fix that. I want to know this system will work before I link any accounts as will also need to be able to remove them shortly after. How do I know if I link and acct that I will not have a problem delinking my acct? A company that will not help me access my funds should be trusted with accessing other funds of mine? I do not trust paypal. No pal of mine. I also need a compete transaction listing so I can research this. Since I can not contact them properly and am not going to keep trying and wasting time like I did before I need this to start with. I need a way to remove my money from paypal and I do not want to be adding any accounts other than the one that I specify and authorize. I do not want paypal having any other info about me or my accounts. I do not trust them at all. This lengthy response that may have inaccuracies is more proof of why I dont. They do not act normal at all. Spend all of this and my time instead of just offering proper CS. I need this fixed so I have a way to remove some of my funds from my account and do not want to do this back and forth. I have already spent way too much time working on this. Could have probably been done a long time ago. ) | ||||||
| 11/23/2021 | Yes |
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| To whom this may concern, First I would like to point out that I fully understand the need to limit accounts, especially with physical goods. We have thoroughly read your policies and User Agreement and can confidently say that we have not violated any policy or law. On the XXXX of XXXX I received an email telling me that my PayPal business account had been temporarily limited : ( VIEW FILE " XXXX '' ) I was not sure what exactly I had to send since my PayPal dashboard gave me the following reason for the account limit and told me to remove some products from our websites. So I decided to reach out to your customer support for help. In return I received even more confusion regarding my account : ( VIEW FILE " XXXX '' ) Now I am being told that it has something to do with drugs however the transaction ID that was given had nothing to do with drugs. The only issue could be the name for XXXX of the products that is called XXXX XXXX XXXX which is for a shower head so the water can come out. XXXX is not our first country so we unintentionally made a bad translation of the product. Aside from this response I also received a second response from your danish support team with a completely different reason for the account limit : ( VIEW FILE " XXXX '' ) Now I am asked to send invoices related to a certain product but not being told what exact product. This makes it impossible for us to know what exactly the issue is with our account. We are also asked to comment on past URLs linked to our PayPal account which we found to be no issue on our end. So in total I had now been given XXXX different reasons for getting my PayPal account temporarily limited : First reason given : We have found that you are selling goods or services that violate PayPal 's authorized use policies. Specific sale of goods that infringe or infringe any copyright, trademark, right of mention or personal data or any other property right under the laws of a jurisdiction Second reason given : A recent review of your account activity identified products/services on your website violate PayPal 's XXXX XXXX XXXX. Specifically, Drugs Paraphernalia are associated with and are not permitted on our platform. Third reason given : After a recent review of your account activity, we found that you were violating PayPal 's authorized use policy. The XXXX reason given also makes no sense as we dont sell branded or copyrighted products. Nor have we ever had any issue with other companies regarding the sale of goods that infringe or infringe their copyright, trademark, right of mention or personal data or any other property right under the laws of a jurisdiction. Now please note that we have been a long time user of PayPal and have always been happy with your service. So please know that we have never intentionally wished to break any of your policies. Though as you can see from the XXXX above mentioned reasons it is very confusing for us to know exactly what had allegedly been done wrong on our end. And after reading through your policies we could see we in fact hadnt done anything wrong. However we created a document with as much information that we could give based on the somewhat confusing information we had received. We noted in the document that you should reach out to us ASAP if there was any information missing so we could send it in. This is a procedure that you have done in the past when I was missing a document or XXXX however this wasnt done this time around. Because after some time after not having heard anything back from you I decided to go check my PayPal dashboard where, to my complete surprise, I could see that my account had been permanently limited without any notice sent by e-mail or PayPal inbox. I quickly realised that I had already lost from the very beginning. The various vague reasons for my account limit was to make sure I couldnt send the correct documents so my account would be permanently limited. Having seen a massive reduction in sales to XXXX XXXX where our business became unprofitable I decided to reach out again to your customer support to get this resolved in a professional manner. I called your support team and talked with a very friendly young man who confirmed that the limitation was due to the XXXX XXXX XXXX. I told him that it was a bad translation and after having shown him the actual product on our website he could confirm that there was nothing wrong with selling that product via PayPal. So he created a case for my account and sent it in for review. This was sent in on a friday and I was told that I would receive a reply on sunday. After having not heard anything for a few days I decided to reach out again to the support team for an update. This is where the lies started unravelling. ( VIEW FILE " paypal XXXX mulighed for appeal.pdf '' ) As you can see from the photo above I was told that there was a possibility for me to get my account reinstated if I sent in a list of all the website where I receive money from XXXX as a clear description of how my company operates. That seemed to be pretty easy for me to do so I replied back asking where he wanted me to send this information. Shortly after I sent that message I received another message from a different support staff member completely contradicting your previous statements : ( VIEW FILE " paypal appeal modsigelse.pdf '' ) Now I am being told that there is absolutely NOTHING I can do and that it 100 % had nothing to do with the product called XXXXXXXX XXXX XXXX. In fact I had apparently broken several policies but, not surprisingly, she wouldnt tell me what exact policies. Now as you can see this is a direct contradiction from the message I had received days prior and the phone call I had with your customer support team. After being completely blown away for a few days by this whole situation I decided to call your customer support team again. Again I was met with a very friendly young man named XXXX who kindly told me that there was in fact a way to get my account reinstated by providing a list of active websites that I receive money from and a clear description of my company operations. He also confirmed with me that the water pipe product was noted on my account as being a problem. Again I complied and told him I would send in all the information I was asked : ( VIEW FILE " paypal XXXX mulighed for appeal.pdf '' ) This leads me to today with no update on my case and still no way of getting control over the money you have illegally stolen from me. Now I am left with no other choice as to file complaints with several authorities such as the XXXX XXXX, XXXX and Consumer Finance. I am also in the works of filing a lawsuit against your office in XXXX as it is illegal by XXXX laws to withhold my money for XXXX days. I have also read that you will withdraw my entire balance before the XXXX days has passed which is also very much illegal here in XXXX. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last previous years will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for XXXX days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Should you need more information or documents from me I will be more than compliant to send those. I hope that we can get this whole situation resolved without involving authorities and lawyers, however at this point I feel like I am left with no other options. Thank you for your time again in looking into this matter. Best regards XXXX XXXX XXXX XXXX Trading ApS CEO | ||||||
| 11/08/2017 | Yes |
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Web | Servicemember |
| Re : Case ID Number : XXXX On XX/XX/XXXX, PayPal sent to me an email with subject " We noticed an issue with your account ''. They failed to state anywhere in this mail about what this issue specifically was and the body of the email was simply requesting, " Your registration as an organization with any applicable regulatory body governing your jurisdiction. " We were not aware that we as a business selling the items we do had any regulatory requirements because we do not conduct business in high risk products such as XXXX or firearms, etc. Perhaps we misunderstood the meaning of this. Additionally, we regularly receive phishing emails stating similar " PayPal '' warnings of account problems from companies falsely representing themselves as PayPal. Because of these things, we had not responded due to considering the email to not be legitimate. On XX/XX/XXXX, upon observing problems with our XXXX transactions ( primarily that we were not able to pay for shipping labels in XXXX shipping, which are deducted from PayPal ), we determined that PayPal had 'limited ' our account ( blocking any and all withdrawals ) which at the time had a balance of over $ 4k USD. We immediately contacted PayPal by phone that day in hopes of resolving whatever the issue was, got routed to their 'Limitations ' department, and had opportunity to speak to a person who identified himself as a 'manager ' of that department. This person reviewed our situation and the correspondence PayPal had sent. During the course of this call, we submitted copies of our business registration and resale certificate and so this manager reviewed the account to verify those had been received and he could read them legibly from that submission. It was his opinion that the email directive from PayPal was too ambiguous but as far as he was concerned, we had submitted all the necessary information. He advised us that limitations could take as long as 180 days to clear so we asked to get more information about the limitation and speak to someone. However, he advised that although he was a manager of the 'limitations ' dept, it is actually the 'compliance ' department who triggers limitations and who releases limitations BUT there is no way to contact them by phone and I would only be able to email them via a specific 'compliance ' group email address ( which he provided to me ). On that same day, XX/XX/XXXX, I sent an email to PayPal instructing them to tell me specifically what the issue was, what information they required, and to take action to release my funds promptly. Regarding the submission of requested records, on this PayPal website page where a user is to submit this resolution documentation, there were confusingly three categories of information with ability to submit different types of documentation to each ... only one category ( the one pertaining to business records ) seemingly applied to the email I had received, and the limitations dept manager I was speaking to at the time also viewed this page and agreed that as far as he could tell, that was the only one which applied to my case, while the other two categories of information were unclear as to what PayPal was expecting, if anything, and likely did not apply to my case, nor were they mentioned in the email I had received from PayPal. After having submitting the records on the website and sending the email to the provided address on XX/XX/XXXX as mentioned, but having not received any response from PayPal for days, I sent another email to this 'compliance ' email address again summarizing the same demands for information and prompt release of my funds. 4 days had passed and I still received no response from PayPal to my emails to this 'compliance ' department. By this point, my PayPal balance had increased to nearly $ 6K as XXXX sales continued to deposit to the PayPal account. In the meantime, I spent considerable time and resources in setting up alternative shipping solutions to meet customer orders and shipping demands, and also initiated the arrangements for credit card processing. These alternative solutions were put into place by XX/XX/XXXX by which time my PayPal balance was nearly $ 7k due to the continuing XXXX sales that continued to deposit into the 'limited ' PayPal account. Note that Paypal was more than happy to allow funds to continue to be deposited into my account from the XXXX sales but PayPal was unwilling to allow any expenditures or withdrawals from the account, including routine expenditures in support of those XXXX sales such as shipping postage payments, or refunds I might initiate to buyers, etc. So, PayPal had established their own set of rules whereby they construe some convenient reason to limit an account so as they can continue to increase their wealth but refuse reasonable access to the individual 's funds, knowing that doing so likely has material impact to a small business operation. By the XX/XX/XXXX, I had ceased accepting PayPal completely, having transitioned all incoming payments to credit/debit card solutions. On this day, having yet to receive any response in any manner from PayPal, I again sent another email to the 'compliance ' email address stating the same demands and expectations as the previous. On this day I also submitted to the other two categories a written message directing PayPal to tell me specifically what information they require because it was not clear. All three categories showed a check mark indicating information had been received and PayPal general status indicated that they would be conducting their review and would response as soon as they completed the review. By XX/XX/XXXX, we had yet to receive ANY email response, phone call, or contact whatsoever from anyone in PayPal. It was clear that hey were simply ignoring any and all attempts we made to contact them. So, on XX/XX/XXXX I sent yet another email stating the same demands and expectations but this time, in addition to submitting it by email, I created a PDF of that email document and submitted it to each of the 3 resolution documentation categories again. Curiously, soon after doing this, Paypal then changed the appearance and the format of that specific resolution submission page, disabling any button for the user to submit any further documentation to those submission categories. However, this updated web page of theirs did have added information on what to expect regarding the limitation ( except that none of this information was clarification of information required ), most notably of which was that it stated they would respond to submissions within 2 days. This '2 days ' promise is laughable because it has been since XX/XX/XXXX when I first submitted documentation. Far more than 2 days have passed since each and every of my numerous subsequent emails and submissions to them. Today is XX/XX/XXXX and we have emailed them for a fifth time today. In light of not expecting from them any response to this fifth communication, we feel we have no choice but to begin formal complaints against the company. The overall complaint here is that XXXX is exercising willful misconduct in unilaterally freezing a customer 's account while providing terribly vague demands for information and absolutely NO explanation of why. Furthermore, they intentionally prevent any reasonable method for a customer to contact their only 'cognizant ' department by establishing all contact to be by email only but then refuse to respond to those emails. While demonstrating this negligence and misconduct, they have the audacity to continue receiving funds but to disallow any removal of funds, all the while knowing that this is a business account and to conduct themselves in this manner will likely have material financial consequences to their victims. This is in essence a type of theft they have instituted, and an arrogant, abusive practice of theirs. Even if this were to be condoned under the interpretation that their actions are only temporary ( if 180 days can be considered 'temporary ' ), their behavior in intentionally not communicating properly with the victim has earmarks of willful misconduct, negligence, and tort. | ||||||
| 10/07/2020 | Yes |
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Web | Older American |
| I sold some XXXX XXXX on XXXX XXXX & the price I sold them for was very inexpensive, {$240.00}. for 12. here 's the exact add. on XX/XX/2020 XXXX XXXX XXXX XXXX. ( 2 ) Matched XXXX XXXX or 2 Matched sets of 6 tubes. ( 12 tubes total ). These were purchased New from XXXX XXXX in New York & were over {$500.00}. They are very strong tubes with low hours which have operated flawlessly. They are {$120.00} for each set of 6 & currently there are 2 set 's are available. here 's the 2 pp payments both the same day & for all 12 tubes 6 + 6 XX/XX/2020 Payment from XXXX XXXX XXXX Completed {$120.00} USD XX/XX/2020 Payment from XXXX XXXX XXXX Reversed {$130.00} USD Now I want to also point out that the buyer could have had an accident & dropped a couple of tubes, I have no idea & Also these went from XXXX XXXX to XXXX in 2 days & there's no ground route that go 's there in 2 days witch means they were on a plane which means the also went through so pressure changes going up & down & thirdly I never said i could guarantee them at all & so although I was trying to help with this I was under no obligation to do anything at al since there was no l. It's all just been paypal forcing me too when frankly I don't have to do anything at all about any of this but paypal wants to make me & their wrong about every last little bit of this. I want to sue them & this is the second time & they should be sued. Now as you can see I offer them in 2 sets of 6. And they sold immediately within an hour of placing the add & this guy, the buyer bought both sets & PayPal was used for the transfer. & I accommodated the buyer by only charging the shipping cost once & sent them all in one priority mail package. Now after the buyer had the tubes for about 4 or 5 days already he started to complain that 2 of the tubes didn't work & he was asking for a refund of {$68.00}. because of this which isn't even an accurate prorate amount based on 6 tubes for {$120.00}. Now I remembered that PayPal had a sellers assurance program & contacted Paypal & ask them to help cover the amount the guy was asking for which at that time was {$68.00}. Now this is where things start going wrong because paypal didn't want to do that! .Instead of PayPal ( & after all the thousands of dollars I've sent & received thru Instead, PayPal did nothing & did nothing for a long time too. They just started holding every thing up and weeks started to go by with nothing being resolved! Which I'm sure aggravated the buyer as well as me & things kept going on with no answer from PayPal Within about another week i called them up again. They didn't say so but they had no intention to pay to resolve anything with buyers assurance but they did say they were just leaving between the buyer & seller to resolve the matter at which time I said I'd offer to give the buyer {$50.00}. to resolve the situation " even though none of this was my fault '' & just offered it to get it over with. I knew all the tubes were working because I had tested them all first before carefully packing them all up & sending them out. PayPal took note of the offer then everything went back to waiting a long time again. Now this time it went on again for a month or longer. As you can see I'm writing about this since the 10 of 12 tubes worked but paypal doesn't seem to be factoring that in at all. And now throughout all this time when i tried to call PayPal back, they wouldn't take my calls & had me blocked, I have seen this tactic before with them too. " THEY ARE CROOKS ''!. & I couldn't find any way to reach them by text or email. Meanwhile this thing is draging on & on One thing that needs to be kept clear is the fact that the guy bought 12 tubes by paying for both sets & this must have happened in shipping. These XXXX 's are very large tubes, not small ones & they are very delicate ones so it's not hard to believe only 10 out of 12 made it there okay. Now PayPal has made me HATE them because of the way they've Manhandled me on all of this because, # 1. the buyer ask for a {$68.00}. refund & then after dragging their feet for over a month when it was finely clear that PayPal wouldn't cover i through seller protection, PayPal has the audacity to advise my buyer to send the 6 tubes back & up the refund amount & request an even larger {$130.00} refund & escalating & exacerbating the situation in doing so. I was appalled by this & they're still not taking notice that 12 tubes was the total & having the guy send 6 back for a larger refund only made me madder. Now i kept checking back online with PayPal because they we're not taking my call. The calls just did not go thru. Finely about a week ago, I found that finely There was a message center that opened up that was not available to use, or for me to use that is anyway. & the first thing said is why won't you take my calls. because this is not something I wanted to type about. And I was furious about that & the fact that they were stalling & now appeared to be ruling against me, I could see that coming. I had cut & pasted what I was texting at that point & I'll be inserting that here now ; TO Paypal : I just want to say that I am outraged by how you shut me down & won't take my call 's while you've allowed this thing to escalate by stalling & stalling making everything worse & worse, meanwhile allowing no communication with me, making out like I'm wrong & like I'm at fault here, when I'm not, its you who is wrong & this all you're fault & I am furious I mean FURIOUS ABOUT IT, I AM MAD AS XXXX AT YOU PEOPLE & /or WHO EVER IT IS OVER THERE AT PAYPAL THAT THINKS THEY HAVE ANY RIGHT TO DO THIS. HOW CAN I DO BUSINESS WITH A COMPANY THAT THINKS THIS KIND OF TREATMENT IS OK, IT'S PATHETIC HOW you're made me type all this out, because you won't allow me to call or be called back, while you've obviously allowed the other guy that privilege & you've obviously sided with him, you people make me sick & THIS WHOLE THING MAKES ME SICK. GO BACK & LOOK AT ALL THE BUSINESS I've DONE THRU PAYPAL ON XXXX & ALL THE MONEY YOU'VE MADE ON ALL OF MY TRANSACTIONS & FROM ALL MY STELLAR WORLD WIDE FEEDBACK THAT'S STILL ON XXXX 'XXXX WEB-SIGHT WHO'S THE YOUNG PUNK OVER THERE DOING THIS TO ME, HUNH, WELL HE NEEDS TO BE FIRED. AS I EXPLAINED, HE DOESN'T KNOW WHAT HE'S DOING, AND I '' M SORRY THE BUYER HAD TROUBLE WITH SOME OF THE TUBES & I WISH HE HADN'T, BUT THERE WAS NO GUARANTEE ON THEM AND IT WAS 12 HE BOUGHT NOT 3 OR 6 & SO 10 ARRIVED IN XXXX, OK OR SOMETHING HAPPENED WHILE HE WAS HANDLING THEM OR SOMETHING BUT 10 OUT OF TWELVE STILL ISN'T BAD & THEY WERE ALL WORKING WHEN THEY LEFT HERE & WHAT PAYPAL HAS DONE TO ME WRONGFULLY, I REALLY DON'T HAVE WORDS TO DESCRIBE, NOT ONES I CAN USE HERE, BUT IT'S CRAZY WHAT YOU'VE DONE HERE & CRAZY THE WAY U GUYS OPERATE & NOW I WANT TO TELL THE WORLD ABOUT IT & EXPOSE THIS & EXPOSE YOU " PAYPAL '' FOR HOW YOU OPERATE, ITS SICK. THESE TUBES SHOULD HAVE COST {$5.00} OR {$600.00} & GO NEW FOR ABOUT A THOUSAND DOLLARS. I RECENTLY ORDERED SOME EVEN MORE EXPENSIVE TUBES THAT I NEEDED 12 OF BUT I BOUGHT 18 SO I HAD SOME EXTRA ONES & SURE ENOUGH A COUPLE WENT OUT ON ME RIGHT AWAY BUT I HAD BOUGHT EXTRA 'S & i JUST GOT OUT A COUPLE OF MY SPARE ONES & FIXED THE PROBLEM ( AND THE POINT IS, THESE WERE BRAND NEW TUBES TOO ) lIKE i SAID i SOLD THESE FOR CHEEP & THEY WERE SOLD THRU XXXX, ... NOT XXXX WHERE THE SELLER IS ALWAYS AT FAULT. & I EVEN GOT A CALL FROM XXXX WHERE THE GUY REMINDED ME THAT THESE WERE USED TUBES & THAT I NEVER SAID THEY WERE GUARANTEED. TUBES ARE EXPENSIVE & VOLATILE & RISKY BUSINESS & NOT FOR SOMEONE ON A SHOE STRING BUDGET. & i WAS TRYING TO HELP OUT & DO WHAT i COULD, BUT THE FACT OF THE MATTER IS THOSE TUBES WERE NOT GUARANTEED AT ALL PERIOD & i SOLD 12 FOR MORE LIKE THE PRICE OF 3 OR MAYBE 4 TUBES. BUT PAYPAL HAS DONE EVERYTHING THEY COULD TO MAKE EVERYTHING WORSE & IS NOW TRYING TO STICK ME WITH THE WHOLE PROBLEM THEY WERE RESPONSIBLE FOR DOUBLING & NOT TAKING CARE OF WITH MY SELLERS PROTECTION IN THE FIRST PLACE. THIS IS ALL YOU'RE FAULT & I'M NOT TAKING IT. PERIOD. | ||||||
| 11/27/2023 | Yes |
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Web | |
| PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX , requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX, US . In this letter, I gave 30 days notice for Pay Pal Pay In 4 to respond and provide me with the information that I requested. Additionally, I requested that Pay Pal Pay In 4 cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that Pay Pal Pay In 4 cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Pay Pal Pay In 4 continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. Pay Pal Pay In 4 has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, I have received zero correspondence from Pay Pal Pay In 4 in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXXXXXX XXXX XXXX, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXXXXXX XXXX XXXX XXXX intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXXXXXX XXXX XXXX XXXX hereby gives notice, as XXXX XXXX XXXX XXXX, has always given notice, in order that XXXXXXXX XXXX XXXX XXXX can make arrangements to pay an obligation which XXXXXXXX XXXX XXXX XXXX may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXXXXXX XXXX XXXX XXXX does dispute part of, or ALL of the Pay Pal Pay In 4 et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXXXXXX XXXX XXXX hereby memorializes this notice for the record on the public record to be made part of the record, and does put Pay Pal Pay In 4 et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Pay Pal Pay In 4 et. al. 1. Pay Pal Pay In 4 et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX XXXX XXXX own, and a judges inspection should there be a trial to contest these matters. 2. Pay Pal Pay In 4 et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Pay Pal Pay In 4 et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX XXXX XXXX gave ample notice stating XXXXXXXX XXXX XXXX XXXX was exercising XXXXXXXX XXXX XXXX rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Pay Pal Pay In 4 et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Pay Pal Pay In 4 et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Pay Pal Pay In 4 et. al. authority to collect the alleged debt : whether Pay Pal Pay In 4 et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Pay Pal Pay In 4 et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Pay Pal Pay In 4 et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Pay Pal Pay In 4 et. al. XXXX XXXX gives notice that : Pay Pal Pay In 4 et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Pay Pal Pay In 4 et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Pay Pal Pay In 4 et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX [ Titus 1:2 ] this XXXX XXXX XXXX XXXX XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent | ||||||
| 11/27/2023 | Yes |
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Web | |
| PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US XXXX In this letter, I gave 30 days notice for Pay Pal XXXX In XXXX to respond and provide me with the information that I requested. Additionally, I requested that Pay Pal Pay In 4 cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that Pay Pal Pay In XXXX cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Pay Pal Pay In 4 continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. Pay Pal Pay In 4 has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, I have received zero correspondence from Pay Pal Pay In 4 in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX XXXX XXXX XXXX owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Pay Pal Pay In XXXX et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Pay Pal Pay In 4 et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Pay Pal Pay In 4 et. al. 1. Pay Pal Pay In 4 et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Pay Pal Pay In 4 et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. Pay Pal Pay In 4 et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Pay Pal Pay In 4 et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( XXXX ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Pay Pal Pay In 4 et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Pay Pal Pay In 4 et. al. authority to collect the alleged debt : whether Pay Pal Pay In 4 et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Pay Pal Pay In 4 et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Pay Pal Pay In 4 et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Pay Pal Pay In 4 et. al. XXXX XXXX gives notice that : Pay Pal Pay In 4 et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Pay Pal Pay In 4 et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Pay Pal Pay In 4 et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] this 27 day of XXXX, XXXX. Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent | ||||||
| 11/28/2023 | Yes |
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| PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX XXXX XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US XXXX In this letter, I gave 30 days notice for Pay Pal Pay In 4 to respond and provide me with the information that I requested. Additionally, I requested that Pay Pal Pay In 4 cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that Pay Pal Pay In 4 cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Pay Pal Pay In 4 continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. Pay Pal Pay In 4 has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, I have received zero correspondence from Pay Pal Pay In 4 in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXXXXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXXXXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXXXXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Pay Pal Pay In 4 et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Pay Pal Pay In 4 et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Pay Pal Pay In 4 et. al. 1. Pay Pal Pay In 4 et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Pay Pal Pay In 4 et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Pay Pal Pay In 4 et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXXXXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Pay Pal Pay In 4 et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Pay Pal Pay In 4 et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Pay Pal Pay In 4 et. al. authority to collect the alleged debt : whether Pay Pal Pay In 4 et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Pay Pal Pay In 4 et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Pay Pal Pay In 4 et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Pay Pal Pay In 4 et. al. XXXX XXXX gives notice that : Pay Pal Pay In 4 et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Pay Pal Pay In 4 et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Pay Pal Pay In 4 et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for XXXX XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this 27 day of XXXX XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent | ||||||
| 11/28/2023 | Yes |
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| PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX XXXX XXXX XXXX , requested debt validation via certified mail on XXXX XXXX 2023 to : Pay Pal Pay In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US XXXX In this letter, I gave 30 days notice for Pay Pal Pay In 4 to respond and provide me with the information that I requested. Additionally, I requested that Pay Pal Pay In 4 cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that Pay Pal Pay In 4 cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Pay Pal Pay In 4 continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. Pay Pal Pay In 4 has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, I have received zero correspondence from Pay Pal Pay In 4 in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Pay Pal Pay In 4 et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Pay Pal Pay In 4 et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Pay Pal Pay In 4 et. al. 1. Pay Pal Pay In 4 et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Pay Pal Pay In 4 et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Pay Pal Pay In 4 et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Pay Pal Pay In 4 et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Pay Pal Pay In 4 et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last XXXX XXXX from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Pay Pal Pay In 4 et. al. authority to collect the alleged debt : whether Pay Pal Pay In 4 et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Pay Pal Pay In 4 et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Pay Pal Pay In 4 et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Pay Pal Pay In 4 et. al. XXXX XXXX gives notice that : Pay Pal Pay In 4 et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Pay Pal Pay In 4 et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Pay Pal Pay In 4 et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] this XXXX day of XXXX 2023. Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent | ||||||
| 12/29/2022 | Yes |
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Web | Older American, Servicemember |
| I am a private citizen who does not hold a job, nor have a career, nor own a business. I was a first-time user of Venmo. My friend, ( the person whose services I needed ) only dealt with Venmo or check, and this person was a verified merchant of Venmo. I had a bad feeling about getting started w/Venmo but swallowed my fears and went ahead and signed up. On XX/XX/22, I paid my person in advance for their services. On XX/XX/22, my need for this person did not materialize and my friend kindly reimbursed me my {$100.00} back. That same day, I recd an e-mail fm Venmo ( XX/XX/22 ) at XXXXXXXX XXXX XXXXXXXX, telling me I had the refund. In this e-mail was a blue elongated oval button stating : Transfer to your bank account, which I could have clicked on. Underneath that button there was NOT another button that stated the following in it but what was written underneath the blue Transfer to your bank... button were the words : Or save your balance for future payments with friends through Venmo! Therefore, rather than hassle with putting that money back into my personal bank acct., I thought it would be okay just to have it stay in my Venmo acct., because I knew there would be reason to use my friends services again. ( Just because I had to cancel my transaction didnt mean I wouldnt need them in the future. ) At XXXXXXXX XXXX XXXXXXXX the following day, XX/XX/22, I recd a disturbing e-mail from Venmo, informing me my acct. had been FROZEN!!! The only explanation ( if you can call it that ) was this : Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. There was no first warning!! It just went right into FROZEN, when it was going to allow me the day before to transfer my funds back into my personal bank acct.!! Venmo will not tell me what I did wrong. I am now being told that in order to unfreeze my Venmo acct, -- -not that I can have my funds, mind you.. .but just to unfreeze -- -- I must prove who I am, via Govm't. issued ID, when I did not need this to sign up for Venmo, nor did I need it to make the initial transaction from my personal bank. I have read many, MANY similar complaints in this area, by filers on Consumer Financial Protection Board, ( CFPB ) so we know this mandate is common. ( And I argue the same as this person >>>CFPB Complaint # XXXX : If they needed to verify my ID, why didn't they do that when I first signed up for Venmo? ) Upon reading this disturbing e-mail on XX/XX/22, I first attempted to call into Venmo Customer Serv. that same day, XX/XX/22, and the person I was talking to ( " XXXX '' ) I could not understand. I then both e-mailed Venmo from my personal e-mail acct., and also through their website contact form, asking what Id done wrong. I then called in again to ( XXXX ) XXXX and spoke with XXXX. I could understand him somewhat better than XXXX. XXXX stated that as much as he would like to help, this was handled by another dept. that had no contact by phone. He did acknowledge, however, that he could see my e-mail, and could see that it had been auto-replied to. XXXX told me that the company had between 7-10 business days by which to contact me back but tried to assure me that it may not take that long. I found the Venmo User agreement on the internet and it states, as far as refunds, this : Refunds When you buy something from an authorized merchant using Venmo and the transaction is ultimately refunded, the money will be sent back to you. Money may not always be refunded to the payment method originally used. https : //venmo.com/legal/us-user-agreement/ ( But it also doesnt state here that your money will not be returned!! ) Why is my account frozen? AGAIN : It wasnt even 24 hours from when I got the XXXX XXXX e-mail, on XX/XX/22, that I could transfer those funds to my personal bank acct., to XXXX XXXX the next day, XX/XX/22, whereby Venmo froze my acct.!!! The evening I signed up for Venmo, I was taking screen shots as I was going along, and I was never presented with any Terms of Service. I am uncomfortable having to produce my Drivers License to a company that is not reputable, at this point. And in CFPB case # XXXX, THAT person acquiesced and gave this information to Venmo writing, I submitted the documentation asked of me. And then frighteningly, he goes on to write : Two weeks later I received an email from Venmo that they had permanently XXXX my account. And another CFPB complaint ( XXXX ) stated : I turned in my ID like they requested but they still have not released my funds and are saying that it could be over a month before they even get back to me. So what good would it do me to give in to Venmos unreasonable demand ( s ), then, if, as I STRONGLY suspect, I were to possibly end up the same way as these poor people did? And as far as trusting Venmo with this information, another CFPB complaint ( XXXX ) XXXX stated : I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. And thats EXACTLY how I FEEL AS WELL!!! Venmo HAS been dishonest and HAS now shown impropriety and I do NOT trust them, at this point. If they had required I give them my D. License right away, I would have had nothing to do w/this company. And I love what CFPB # XXXX wrote ( as I can BIG-TIME relate!!! ) : I have no ability to remedy this situation and continue to be told that someone will reach out to help me solve this issue, still waiting for that to happen. Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen within a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues within 24 hours. I would agree with the last 2 sentences and would also add that I can get into my Venmo acct. today but before I can, it VERIFIES ME through MY CELL PHONE FIRST!!! ( See screen shot fm XX/XX/22, last p. of my attachment, which shows the code I inputted there, after being sent this via my cell phone... proving I can still get into my acct.!! ) And this is AFTER I go through yet another level of security by putting my e-mail address in their little block ( which I used to sign up for this account. ) Lastly, unbelievably, I was bothered AFTER all of this, to engage in a survey, e-mailed to me by Venmo!! Hey ( my inserted e-mail address!! ) How are we doing? XXXX XXXX XXXX ( NOT GOOD!!!! I did not, and could not, fill it out. ) The last e-mail I received from Venmo, on XX/XX/22, from " XXXX XXXX ( Team Venmo ), '' stated : " Hi XXXX While we appreciate your interest in using Venmo, we are unable to confirm that you are the owner of this Venmo account. As a result, we will not be able to unfreeze your Venmo account at this time. If you wish that we review this case again, you will need to provide us with a copy or picture of your valid US government-issued ID showing your legal name. You can submit that information using our Document Upload Form, linked here : https : //help.venmo.com/hc/en-us/requests/new? XXXX XXXX XXXX XXXX XXXX XXXX Even though, evidently, this was their 'response, ' I have still waited their stated/requested ten ( 10 ) business days that I was told on XX/XX/22, by XXXX ( XXXX ) they needed and I am now filing this Complaint on XX/XX/22, asking for CFPBs help. Today, I am also going to e-mail them this exact complaint, to their 2 e-mail addresses I have : XXXX and XXXX. As resolution, I am requesting that 1. ) my Venmo account be UNFROZEN in order for me to 2. ) access it -- -- in order for me to 3. ) retrieve my {$100.00} ( to then place it in my PERSONAL NON-VENMO bank account ). | ||||||
| 01/27/2021 | Yes |
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| I am writing to advise you of Paypals breach of its own buyer protection policies and its unfair and deceptive business practices. I recently utilized Paypal when purchasing three shirts from XXXX ( also known as XXXX ) on XX/XX/XXXX for a total of {$64.00}. On Mokicons own website it states that processing of orders usually takes 1-4 business days ( while some items may need 6-9 business days ). We will send you an email if the processing time takes longer than expected and that Shipment takes 7-15 business days to arrive. On XX/XX/XXXX and XX/XX/XXXX I emailed the seller as the tracking number they provided ( USPS XXXX ) hadnt been updated in days. At no time did the seller mention any issues with my order. On XX/XX/XXXX I received the order, however only one of three shirts was received. I emailed the seller and their response was that the other two items were out of stock and will restock in about 8 days. On XX/XX/XXXX, I advised the seller that was unacceptable and requested a refund for the two shirt I did not receive ( which would be {$37.00} ). That same day the seller responded, ignoring my refund request and said It needs to wait 7 days. We will ship to you once available. On that same day I responded that I do not want the items and I wanted my money back. The seller did not respond further. On XX/XX/XXXX, I filed a dispute via Paypal ( case XXXX ). As part of my dispute, I uploaded copies of the emails between myself and the seller, showing that the seller admitted to now shipping two of my items and that my repeated requests for a refund had been ignored. On XX/XX/XXXX the seller responded via the Paypal resolution center with the tracking number, USPS XXXX XXXX the tracking number for the one item I did receive ). I responded that same day once again stating that I wanted a refund. On XX/XX/XXXX, the seller added another tracking number, which as of today still shows as Shipment information received XXXX XXXX. At that time I requested PayPal escalate my complaint. On XX/XX/XXXX I received notification from Paypal that they denied my claim because we received shipment tracking from the merchant confirming that the merchandise was delivered. Given that the only tracking information the seller provided which showed anything was delivered was USPS XXXX, which I admitted I did receive and contained one shirt, I am not sure how Paypal decided that this meant that the other two shirts were delivered since the other tracking number provided was never delivered. I contacted Paypal again and asked that they refund my money and reopen this case. I was told by PayPal representative XXXX that as my dispute was Item not received and not significantly not as described that they closed the case in the sellers favor. As if that excuses PayPals lack of common sense or investigation. On XX/XX/XXXX Paypal representative XXXX told me that I would have to fill out a form with the Internet Crime Bureau of the FBI. She said once I completed the form you will want to come back to this Message and attach that to our conservation or send it to us via email at XXXX. We will then attach that to the Claim and get that money for you. I found the idea of having to contact the FBI regarding a refund dispute ludicrous and told her so, but I did it anyway. I emailed the form to XXXX on XX/XX/XXXX. I then received a generic response back from PayPal about opening a PayPal account, so I went back into the PayPal chat and also uploaded the form there. I was then told by PayPal representative XXXX that I needed to log into the resolution center and upload the form there. When I tell you that I was livid, that does not begin to explain how I felt. I have jumped through every hoop Paypal has asked and I have had enough. I didnt want to fill out the FBI form but I did. I submitted it as instructed by XXXX, and now Im being told I have to do more? I requested a supervisor and spoke with XXXX and XXXX, who also wouldnt refund my money. I asked that my complaint be forwarded to Paypals Executive Escalation team and my request was refused. Per Paypals user agreement : Step 1 : Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller 's PayPal account until the dispute is resolved or closed. Step 2 : Escalate the dispute to a claim for reimbursement within 20 days after opening the dispute, if you and the seller are unable to come to an agreement, or we will automatically close the dispute. You can escalate the dispute to a claim for reimbursement through the Resolution Center. The seller or PayPal may also escalate the dispute to a claim at this point. PayPal may ask you to wait at least 7 days from the transaction date to escalate the dispute. Step 3 : Respond to PayPals requests for documentation or other information, after you, the seller or PayPal escalates your dispute to a claim for reimbursement. PayPal may require you to provide receipts, third party evaluations, police reports or other documents that PayPal specifies. You must respond to these requests in a timely manner as requested in our correspondence with you. Nowhere in this agreement does it state that I must upload a form to the Resolution Center before my claim can be resolved. It only states that I must respond. I responded to PayPals extensive requests. I emailed the form submitted to the FBI and added it to the chat. PayPal has this documentation and instead of processing it, insists on asking me to jump through another hoop in order to delay processing my refund, when had PayPal actually investigated my initial claim properly, this wouldnt be an issue at all. Per Paypals terms PayPal may communicate with you about your PayPal account and the PayPal services electronically as described in our Electronic Communications Delivery Policy. You will be considered to have received a communication from us, if its delivered electronically, 24 hours after the time we post it to our website or email it to you. If PayPal considers a communication received by a user once its delivered electronically to the user, then a communication sent by a user to PayPal should be deemed received once it is delivered electronically to PayPal. PayPal is in breach of their own user agreement which states that When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPals Purchase Protection program. When applicable, PayPals Purchase Protection program entitles you to reimbursement for the full purchase price of the item PayPals Purchase Protection program may apply when you encounter these specific problems with a transaction : You didnt receive your item from a seller ( referred to as an Item Not Received claim ), or You received an item, but the item isnt what you ordered ( referred to as a Significantly Not as Described claim ). PayPal is engaging in deceptive and fraudulent business practices by holding itself up to be a service that provides Protection you can count on when it has proven that it provides no protection, or protection you will have to fight tooth and nail for ( see https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? XXXX XXXX XXXX XXXX XXXX ) At this point in time, the seller has earned money for items it never sent and PayPal has earned a fee on these items , however, I, as the consumer have been damaged in the amount of {$37.00} plus the hours of time that I have had to spend explaining to incompetent PayPal employees why a refund should be issued to me. | ||||||
| 04/03/2018 | Yes |
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| Hello Paypal Legal And Fraud Departments, Please understand that I, XXXX XXXX ( SSN # : XXXX ), am a victim of online ID Theft since XX/XX/XXXX. I have neither created a Paypal Account with id XXXX nor have I added and used 3 of my XXXX XXXX XXXX Accounts with Account # listed below : # 1 Primary Checking Account with # : XXXX ; # 2 Debit Card Account with # : XXXX ; # 3 Debit Card Account with # : XXXX ; to ever transfer money to any Paypal Seller Account including XXXX. Someone has created a fake Paypal Account with my unused email ID ( for last 6 months ) XXXX and has setup my XXXX XXXX XXXX Checking And Debit Card Account Numbers in that Paypal Account. They have then fraudulently transferred money totaling {$15000.00} from XX/XX/XXXX till XX/XX/XXXX to an online Paypal Merchant Seller called XXXX with name XXXX XXXX in 18 transactions for either personal or business goods and services. They also appear to have accessed my other private information including Drivers License and previous address. Transactions stopped after I reported fraud and filed Claims with XXXX XXXX XXXX at end of XX/XX/XXXX. Address on Paypal Account with XXXX is not current and is my previous address as listed on my Lease Agreement and ID Theft person appears to not know my current address for last 3 months. I have NEVER known any Paypal Seller in my life so far including Merchant Seller XXXX/XXXX XXXX nor bought any goods or services using Paypal ever from anyone or ever setup my XXXX XXXX XXXX Checking And Debit Card Accounts in there to transfer money for any purposes including personal and business purposes. I have also lost my Mother XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX and have been off work continuously on XXXX Leave Of Absence since XX/XX/XXXX till now ( XX/XX/XXXX ). I have been away from work between XX/XX/XXXX and XX/XX/XXXX on XXXX from my work at a XXXX XXXX company in XXXX XXXX. I have been in travel constantly to arrange funeral and other arrangements since XX/XX/XXXX. I have not been able to attend on my Bank statements as diligently as I used to due to the above personal loss since XX/XX/XXXX. I have been in XXXX XXXX XXXX since XX/XX/XXXX with XXXX XXXX XXXX, MFT Psychologist of XXXX XXXX, CA ( Mobile # : XXXX ) as my Counseling Psychologist. Please understand that my current work mobile phone # XXXX device is a XXXX XXXX phone and my work XXXX is a XXXX XXXX XXXX. I also possess a personal phone # XXXX that I share with my wife, XXXX XXXX XXXX. My previous work phone was also a XXXX XXXX with the same number XXXX but this device was not used between XX/XX/XXXX and XX/XX/XXXX as it was missing from my work place for a period of 5 months. My new current XXXX XXXX device has been in use since XX/XX/XXXX. My phone was reported MISSING at my work place for that duration. Please understand the above personal loss of my Mother and the ensuing XXXX XXXX I am in are the only reasons I could not bring up this ID Theft issue to Paypal Inc in a timely manner. I list the ID Theft Bank Transactions below : ( A ) This is the list of transactions that occurred fraudulently on my Primary Checking Account with # : XXXX : # 1 {$400.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 2 {$200.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 3 {$1500.00} on XX/XX/XXXX - XXXX XXXX : XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 4 {$1500.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 5 {$500.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 6 {$500.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 7 {$1000.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 8 {$600.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 9 {$600.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB # 10 {$100.00} on XX/XX/XXXX - XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB TOTAL AMOUNT OF MONEY TRANSFERRED FRAUDULENTLY WITHOUT AUTHORIZATION FROM MY XXXX XXXX XXXX PRIMARY CHECKING ACCOUNT WITH # XXXX IS {$6900.00}. ( B ) This is the list of transactions that occurred fraudulently on my Debit Card Account with number : XXXX : # 1 {$2000.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX TOTAL AMOUNT OF MONEY TRANSFERRED FRAUDULENTLY WITHOUT AUTHORIZATION FROM MY XXXX XXXX XXXX DEBIT CARD ACCOUNT WITH # XXXX IS {$2000.00}. ( C ) This is the list of transactions that occurred fraudulently on my Debit Card Account with number : XXXX : # 1 {$1000.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX # 2 {$700.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX # 3 {$100.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX # 4 {$510.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX # 5 {$3500.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX # 6 {$110.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX XXXX 7 {$1000.00} on XX/XX/XXXX - CHECKCARD XXXX PAYPAL XXXX XXXX CA XXXX TOTAL AMOUNT OF MONEY TRANSFERRED FRAUDULENTLY WITHOUT AUTHORIZATION FROM MY XXXX XXXX XXXX DEBIT CARD ACCOUNT WITH XXXX XXXX IS {$6900.00}. XXXX : -- -- -- -- -- -- -- I, XXXX XXXX, legally attest and declare that all information presented above is TRUE to my knowledge. I declare that I have not opened the Paypal account nor transacted with any merchant seller using the said account ID XXXX. I authorized none of the transactions that were initiated from the Paypal account since XX/XX/XXXX. I found about the nature of the Paypal Fraud in XX/XX/XXXX and actually got to file Claims only in XX/XX/XXXX with my bank XXXX XXXX XXXX due to medical delays. I have only attempted to cancel the Paypal account ever since and recover the money back to my XXXX XXXX XXXX Checking Account. The total amount of money that I have lost from the Paypal Fraud is {$15000.00}. I also declare that all 3 of my XXXX XXXX XXXX Account numbers listed below have been used in the Paypal ID Theft Fraud scheme : Primary Checking Account with # : XXXX ; Debit Card Account with # : XXXX ; Debit Card Account with # : XXXX. Please refund the total amount of {$15000.00} back to my XXXX XXXX XXXX Checking Account with number XXXX *as soon as possible* and release any liability for all charges on that fake Paypal Account from me. Please as well pursue any investigation of the Paypal Merchant Seller XXXX/XXXX XXXX for criminal charges pertaining to ID Theft. This is the list of attached documents with this post : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- # 1 FTC Identity Theft Report with ID # XXXX. # 2 FTC Notice to Furnisher. # 3 This Signed Affidavit Letter Notarized with the State of CA. # 4 XXXX XXXX XXXX Complaint Report For Case # XXXX. # 5 Dispute Letter To Paypal Legal Dept. # 6 FBI Complaint Letter to Internet Crimes Complaint Center. # 7 Copy of Police Report filed with XXXX Police Department with Report # XXXX. Copy of Police Report filed with XXXX XXXX Police Department has Report # XXXX. This is not attached to this complaint since it is not scanned yet. Please respond as soon as possible to me at my official email id : XXXX or at my mobile # : ( XXXX ) XXXX after processing this document list to declare the Paypal Account with Account ID : XXXX as ID Theft Account and release me of all liability as soon as possible after a full refund. TRULY and THANK YOU, XXXX XXXX CA Drivers License # : XXXX XXXX Passport # : XXXX Official Email ID : XXXX XX/XX/XXXX XX/XX/XXXX | ||||||
| 07/08/2018 | Yes |
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| The summary. ( More details provided in the attached letter. ) 1. On XX/XX/XXXX, a business trip to XXXX resulted in the XXXX XXXX accidentally charging me ( and the rest of the team ) the full amount of my hotel room rather than just the deposit. My boss ' XXXX card was meant to be used for the full payment as he was paying for the trip. Instead, it was my PayPal Business Debit Card that was used. The amount charged was {$1300.00}. 2. The clerk at the XXXX XXXX IMMEDIATELY admitted the error and told me that the mistaken charge will not be processed, and would fall off within a few days. He made this claim because he was processing my boss ' card at that time and insisted both cards could not be charged for the same room. 3. I immediately called PayPal, who told me they can not contact the bank linked to this account and that I should not worry about this, as the charge would fall off. The bank linked to My PaPal account was XXXX XXXXXXXX XXXX. 4. The charge does fall off. Then within a couple of days, PayPal charges the full {$1300.00} amount. 5. I call PayPal, again. They issue me a credit and tell me that Ill be hearing from their company within a few days. They also said I'd need to respond to their e-mails so they can investigate the claim. 6. I never got a call nor e-mail. 7. PayPal reversed the credit. 8. I start a second ( and final ) dispute. A new credit is given to me. 9. I call my bosses for help, in order to better show my disputed claim. 10. My boss makes certain that his XXXX is charged, sending proof that it was charged and that a refund from the hotel would be issued to my PayPal debit card. 11. Within a few days, on XX/XX/XXXX, I have that money back in my PayPal account. this shows it was a refund from the hotel. 12. Almost immediately, I got an e-mail from PayPal stating that they would retake their credit as the hotel had refunded me on XX/XX/XXXX. Specifically, they said that no fault was committed BECAUSE the hotel had now refunded my money. 13. Within about a week, that money is taken back out of my account. ( This should now be a wash with PayPal, as they had back their credit with the funding from the hotel. ) 14. XXXX XXXX XXXX, meanwhile, never got that memo. These initial charges were still hitting. It tries to resend PayPal the funds it thinks PayPal is still owed, even though PayPal now how back the money they credited me. 15. I go to XXXX XXXX XXXXXXXX, they give me a credit for the {$1200.00} that hit that account. ( I had some funding left in PayPal, so the full {$1300.00} did not hit XXXX XXXX XXXX. ) 16. I provided documentation showing XXXX XXXX XXXXXXXX that PayPal had their money and did not need XXXX XXXXXXXX XXXX to send them more of my money. As of XX/XX/2018, XXXX XXXX XXXX said I can keep my credit. 17. The same day, PayPal recharged me for the {$1200.00} it says is due. 18. The same day, I called PayPal " manager '' XXXX in XXXX, AZ, who insisted that ALL aspects of my story are correct and that it is XXXX XXXX XXXX that wants to reclaim, from my PayPal account, the money they credited. He states he can not contact my bank for me, nor stop the process of them retaking the credit they gave me, and that I'd need to talk to my bank. As I had {$0.00} in PayPal, I now have a negative {$1200.00} in that account. 19. This same day, I go to XXXX XXXX XXXX and meet with the branch manager. She tells me that they are not trying to reclaim that money and is willing to call PayPal with me. 20. Still, on XX/XX/XXXX, PayPal " manager '', XXXX, told me that he has no record of the hotel EVER giving me back this money, which is why PayPal is trying to reclaim it. He does not mention XXXX XXXX XXXX trying to reclaim this money, after initially insisting they are wanting to get back the credit given to me by XXXX XXXX XXXX. ( The branch manager of XXXX XXXX XXXX will also verify that XXXX insisted that I never got that hotel refund, hence the reason PayPal wants its money. Please look on XX/XX/XXXX and the refund will be shown from the hotel, on my PayPal account. ) 21. This same day, I ask my bosses to verify again that their XXXX was charged and that I was supposed to get a refund. We want to make extra certain that the refund wasnt given to them, by mistake, due to XXXX statements. ( I dont want to lose my job over a mistake that was never mine, but this is causing HUGE problems and Im a new employee. ) Still, I have an e-mail from PayPal admitting the hotel gave me that refund. I'm showing a refund on XX/XX/XXXX, just as that e-mail claims. 22. Also on this day, upon returning home, I get an e-mail from PayPal stating XXXX XXXX XXXX is ( rightfully ) not giving them my money. 23. Today, I write you. I have also mailed letters to the PayPal CEO, CCD the XXXX XXXX XXXX CEO, and CCD you showing that I have started this complaint, online. These letters should arrive this Monday ( XX/XX/XXXX ) as I paid to send these via Priority Mail and the post office confirmed the expected arrival date. I am attaching the full letter as it gives much a more thorough detail than this summary. I am also attaching the PayPal e-mail stating that my hotel did, indeed, refund my money on XX/XX/XXXX. Remember, all of this began with an unauthorized charge OF WHICH THE HOTEL TOOK RESPONSIBILITY. The clerk immediately admitted his error. I immediately contacted PayPal. PayPal never chose to confirm my case with the hotel and continues not to contact XXXX XXXX XXXX to stop payment on something that was unauthorized. This is why, after two months, I keep getting recharged for something that was never my fault and for which PayPal has already retaken its funds. If PayPal had contacted my hotel as soon as they learned of this problem, which was within minutes of the problem occurring, this whole nightmare could have been avoided. They also should have contacted XXXX XXXX XXXX and let them know XXXX was not liable for an unauthorized charge, especially as they immediately knew it was unauthorized. The hotel documented its own error at that time. My feeling is that, once XXXX learned the charge for the hotel was unauthorized and the hotel was taking responsibility, should not keep penalizing me for what is their own inability to stop an unauthorized charge from hitting my linked accounts. It was their failure to contact XXXX XXXX XXXX that forced me to go to XXXX XXXX XXXX and get a credit back for the amount they were trying to send PayPal AFTER PayPal had received its money from the hotel refund. The client should never be on the hook for what was a confirmed unauthorized charge. It should also be noted that " manager '' XXXX insisted the problem was due to my contacting XXXX XXXX XXXX to get refunds on the overdrafts and the credit for the money they were trying to send PayPal. This is entirely contrary to what Every Single Other Rep told me, which was that I needed to contact XXXX XXXX XXXX to get this resolved as they could not. Most recently, it was XXXX in XXXX who told me on XX/XX/XXXX that I needed to get in touch with XXXX as PayPal could not. The problems escalated by PayPal have resulted in my taking time off from work, losing funds I will never see and of which I was dependent. I have no money for rent. I have no money for gas. I have no money for groceries. I will also lose my health insurance for the rest of the year as it will be canceled should I ever miss a payment. THIS is how badly PayPal has screwed up and destroyed my life, all because they could not be bothered to contact the hotel, XXXX XXXX XXXX, nor even ( initially ) me after I filed my first dispute. | ||||||
| 06/18/2020 | Yes |
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| On XX/XX/XXXX, I made an online purchase of a XXXX XXXX hedge trimmer and battery from a company called XXXX. The company purported to be based in the XXXX with a provided address in XXXX XXXX, Michigan. After making the {$69.00} purchase and paying via Paypal ( Id # XXXX ), I received an order confirmation coming from a different company called XXXX. This company has a significant presence of complaints and reported fraud on the internet. Based on this information, it became clear to me that my purchase would be shipped from XXXX, not from Michigan, and that I was likely a victim of a long running scheme that would result in me not receiving what I ordered. I immediately went to Paypal to report on this on XX/XX/XXXX and cancel the fraudulent transaction preemptively, as the company I ordered from was not the company that engaged me for processing and fulfillment. Paypal denied my claim within a day or two without requesting any information from me whatsoever. I was also not able to submit any detailed information about why I claimed this was fraud, nor supporting documentation I had compiled. I understand this decision by Paypal, given that the order was initiated by me, and I decided that even though I could not preemptively address the issue, I would at least have recourse through Paypal to address it as the transaction unfolded. Paypal has structured its business so that there is no phone number to call for assistance, and no other meaningful outlet to discuss problems other than the Resolution Center, which is automated and does not permit consumers to provide any details about their case. One can either submit that a transaction was fraud, or the item was not received -- nothing more. I made multiple inquiries and complaints through the only portal for discussion, the messaging center. Nearly all of these were not responded to. Not being able to communicate with Paypal other than through messaging is an unfair practice. My attempts to contact the seller were also unsuccessful -- no surprise there. I attempted to file another claim with Paypal that the product was not received as weeks passed with no movement. When trying to file the claim, Paypal Resolution Center stated another claim could not be filed since I already filed one. This is in contravention to their own policy that allows for one claim for fraud and one claim for item not received. Paypals design of their Resolution Center did not allow me to initiate this second claim. Again, there was also no alternative outlet to call for assistance. Only after me messaging Paypal for assistance multiple times was the claim opened. This apparently had to be initiated by Paypal. There was no clear instruction from Paypal on how to initiate the second claim and it required their affirmative intervention to do so. Is Paypal trying to make it difficult for consumers to exercise their rights within the companys own policies? Even if not, it was very difficult for me as a consumer to figure out how to do this since their system is setup not to allow it. Not being able to initiate this on my own was an unfair practice. Regarding the dispute process for the item not received claim, Paypal, while they state to use this option for items not received or items not received as described or wrong items received, did not allow me to provide any description or discussion of the issue. I had no ability to share with them the information about what was happening through the Resolution Center. I did get a tracking number from XXXX and several weeks later, I did receive a shipment. What was the shipment? It was a handkerchief. Sorry, but I did not order a {$69.00} handkerchief. I ordered a XXXX hedge trimmer and battery. Again, no response from the seller. Paypals system did not allow me to provide them with the information that I did not receive what I ordered in this now clearly fraudulent scheme. In my attempts to communicate to them what happened, I sent messages in their messaging system regarding this information along with the transaction information for their reference. No response was received. I had no ability to append information in the Resolution Center because Paypal does not allow it. Finally, I received notice from Paypal that they denied my second dispute because the seller provided evidence of shipping. Really? They concluded with no knowledge of what had been shipped or what condition it was in that the seller was right and should prevail in the dispute. Had Paypal allowed me to communicate with them what was happening, they most certainly would have reached a different conclusion. In fact, they might then realize that their seller, whom they are likely making significant amount of transaction fees on, should have their account closed and be banned from doing business with Paypal in order to prevent future fraud on other consumers. Not being able to submit pertinent information to Paypal regarding the dispute is an unfair practice. Paypal has structured their Resolution Center to operate in a way that harms consumers. The fraudulent seller in my case apparently won the dispute because they provided evidence of a shipping tracking number and evidence of delivery. That is true, they did ship something and it was delivered -- just not what it was supposed to. Paypal afforded me zero opportunity to demonstrate why this conclusion was wrong, why the seller is a fraud, and why my money should be refunded and the sellers account shut down. Is Paypal intentionally turning a blind eye to this issue? How many other sellers like this are affecting consumers that also can not communicate to Paypal the same types of problems? Should Paypal be required to go in and research other consumer complaints that were denied for the same reason as this? Should Paypal be required to provide restitution to those affected? I would hope so, lest the protection of consumers be lost for the want of transaction fees earned by fraudulent sellers. The dispute process designed by Paypal is unfair under the Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ) regulations protecting consumers as per the Dodd-Frank Act, Title X, Subtitle C, Sec. 1036. Unfair activities 1. ) cause or are likely to cause substantial injury to consumers ; where 2. ) the injury is not reasonably avoidable by consumers ; and 3. ) the injury is not outweighed by countervailing benefits to consumers or to competition. My experience clearly falls within these parameters. I have suffered monetary injury by Paypal refusing to cancel the transaction from a fraudulent seller and refund my money. Paypal has aided, and continues to aid a fraudulent seller by allowing them to take advantage of the unfair dispute process while harming me the consumer. I, as a consumer, could not avoid the unfair treatment because I was availed no opportunity by Paypal to provide them the necessary information to demonstrate that the seller enacted fraud upon me, nor did Paypal reach out to me to obtain any information. I attempted to provide information to Paypal via the only way to communicate with them -- messaging, but Paypal apparently did not connect that message with the dispute in the Resolution Center. There is no countervailing benefit to refusing to institute a forum to take in pertinent facts and information when addressing disputes. The only benefit is Paypal lowering investigation costs and then being able to further aid fraudulent sellers -- all the while lining its profit through more transaction fees with those sellers. This is at the expense of the consumer. | ||||||
| 12/20/2018 | Yes |
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| Background : I am a normal guy with a wife and XXXX at home and I work a regular job XXXX XXXX XXXX. My father and I have an amazing collection of sports cards which we decided to sell a portion of recently on XXXX. In addition to other items I have sold over the past year, I recently listed over 100 expensive baseball cards on XXXX on XX/XX/XXXX and XXXX for 7-day auctions that would end on XX/XX/XXXX and XXXX. Many of these buyers paid quickly to Paypal and by XX/XX/XXXX my digital wallet PayPal account had a balance of roughly {$22000.00}. This account is linked to my personal checking account and I have been transferring money to pay rent and other bills without any issues as recently as XX/XX/2018 when I transferred {$1900.00} to pay XXXX rent. It is also linked to my personal cell phone and home address. However, my first and last name is listed as XXXX XXXX instead of my full name XXXX XXXX. I have already given my Drivers License and Bank statement for proof of identity to change my name and filled out XXXX tax forms to prove who I am. By XX/XX/XXXX many of the sports cards had been received by the buyers and I logged into my Paypal account to see if the money was available. This is when I first discovered that PayPal had frozen my account and would not let me withdraw any funds. INTERACTION WITH PAYPAL : On XX/XX/XXXX at XXXX PST I called customer service to help fix the problem for the first time. I was placed on hold and told that a representative would call me back if I preferred. So I chose that option. Two hours later at XXXX I received a call back from a representative. I told the rep my problem and he/she said they would transfer me to the right person who could help. I was then placed on hold for an additional 52 minutes before I decided to finally hang up. I promptly called back at XXXX and used the automated option to go straight into Account Limitations using my online code from Paypal. This line rang about 10 times and then disconnected. I called four additional times at XXXX XXXX XXXX and XXXX and the exact same thing happened - just rang roughly 10 times and then disconnected. At XXXX I called called the general line without using a Paypal passcode and waited on hold for 69 minutes until a representative came on the line and told me that XXXX was the problem and that I needed to call them. No additional info given. I called ebay that same day on XX/XX/XXXX and they said that what PayPal told me is not true and they have no way of limiting a paypal account like I described. I gave up calling for the evening after that. I am in good standing with XXXX and all of my tracking numbers had been uploaded and delivered to the recipients. On XX/XX/XXXX I received new messages on my Paypal account asking me for personal information including Drivers License - Tracking information for shipments - and Supplier information. I uploaded my Drivers License, entered all tracking numbers, and wrote a statement saying these sports cards were personal items I have collected over a lifetime and that I do not have supplier information. I received another message from Paypal asking me to fill out tax information for a XXXX form - I promptly gave all tax information including social security number and personal information. Everything looked good and it said " Under Review '' on the Paypal site. On XX/XX/XXXX at XXXX PST I called Paypal again to check the status through the Account Limitations option on the automated phone system. I was disconnected after 10 rings just like before. At XXXX I called again into the general system and chose the option for a representative to call me back. At XXXX PST I received a call back and was told that the review process is still taking place and that it will be resolved in 24-48 hours. On XX/XX/XXXX the account limitation was still in place even after the 24-48 hour review window had passed so I called at XXXX PST and brought into the automated system which took me to Account Limitations. This line rang 10 times and then disconnected. I called again at XXXX PST with the same result. On XX/XX/XXXX I called Paypal at XXXX PST and was brought into the Account Limitations option by the automated system. The phone rang roughly 10 times and then I was disconnected. I called back at XXXX XXXX XXXX and XXXX with the same result. At XXXX I called back into the general system without entering a Paypal code from my account. I chose the option to have someone call me back. At XXXX I received a call back and was told that the problem is that I needed to change my name in the system from XXXX XXXX to XXXX XXXX on my Paypal account. She said there was an easy option online to change my name and that the problem will be resolved after that change was made. So I promptly went into my account online and was asked to provide my Drivers License and a Bank Statement to prove my identity. I uploaded both documents right away. On XX/XX/XXXX at XXXX and XXXX PST I called Paypal and chose the option to receive a call back. At XXXX PST I received a call back from a representative but they said that there is no way for them to get into my account and they can not see why my account is limited. I asked them why other representatives over the past few days were able to get into my account to give me helpful advice but she was not able to all of a sudden. She replied that representatives should NOT have been doing that and that she does not have the ability to look into my account to tell me what problems I need to fix or why my account has been limited. That same morning on XX/XX/XXXX at XXXX I called back to see if another representative would be able to help me. I chose the option to receive a call back. At XXXX I received a call back and was told that there is nothing they can do to help me and that I need to handle it online. On the night of XX/XX/XXXX I arrived home and logged into my Paypal account and received a message stating that I can not use paypal anymore and that the {$22000.00} balance will be held for 180 days, after which Paypal would send me an email with instructions about transferring my money. SUMMARY : I'm sorry for the long detail, but this is what I have had to go through the past few weeks. I will not wait 180 days for {$22000.00} to be returned to me. If I need to leave a fair amount of money in my PayPal balance for potential returns I am happy to do that. I have already given information for XXXX and any taxes this money may bring me. I am the person who opened the account and my personal checking account is linked to this Paypal account. I have transferred money without any issues as recently as XX/XX/XXXX. My phone number is linked to this account. If there is any information that I have not provided that is preventing my money from being returned, I will fix the problem right away. Otherwise, I would like the right as a consumer to close my account and the ability to transfer 100 % of the funds into my bank account immediately. If Paypal does not want me as a customer, I will not use the site anymore ... .but it is illegal for Paypal to remove me as a member and keep all of my money for 180 days. If I have an account at XXXX XXXX XXXX and I want to close my account then they have to give me 100 % of my funds. They can not keep my money and tell me I'm no longer a customer and cant bank with them anymore. How is this any different? Thank you for your help and support finding a resolution for me and my family XXXX XXXX CASE XXXX XXXX ( c ) XXXXXXXX XXXX | ||||||
| 12/23/2021 | Yes |
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Web | Older American |
| For your information XXXX XXXX XXXX which handles fundraising for charities and candidates for office utilizes Paypal to handle their funds. Paypal is engaged in illegal activities which includes taking control of the email, websites and domains of individuals ( including seniors, women, people of XXXX ) and small businesses for weeks ( as long as 6 weeks ), during which time Paypal and their co-conspirators ( such as XXXX, XXXX XXXX and XXXX ) rob the checking accounts of their targeted victims with as many as 18 illegal withdrawals that the victims are unaware of and have not consented to while the criminals have total control of the victim 's email, websites and domains. In one incident, the criminals withdrew 6 transactions on XX/XX/2021 in 60 seconds. These crimes have been reported to XXXX XXXX XXXX XXXX department ( which has done a great job investigating and recovering some of the stolen funds ) and is still assisting a victim. Reports have been filed with the FTC, FCC, FBI and CA Dept. of Financial Protection and Innovation. Because Paypal and its conspirators continue their illegal and deceitful activities, those charities and political candidates using XXXX XXXX should be aware that XXXX XXXX uses PayPal to handle its funds, putting many others at risk. That PayPal and conspirators have the capacity to steal funds in checking accounts with 6 transactions of nearly {$5000.00} within 60 seconds is an indication of some kind of organized, high tech, national/international organization XXXX This email is to bring this matter to attention before major damage is done to politicians and perhaps the political system. Documentation exists for all of these allegations and can be verified through the above referenced 3 federal agencies and one state agency, This information will ultimately shared with the press. The fundraising problems of the XXXX is also related to the fact that advice from constituents is largely ignored, especially when it is unpleasant. You and your staff at local and national offices need to learn how to discern the facts in issues like this one. I will be more than glad to share evidence that I have, including reports made to investigative agencies. I am best reached by email or phone. The effort to get Paypal and XXXX to return the stolen funds began on XX/XX/2021 when I first recovered access to my email and discovered all the unknown and unapproved transactions stealing from my checking account had taken place. They continue to threaten and bully me if I do not give them more money for those transactions which did not succeed because of actions taken by me and XXXX XXXX Below is one of my interactions with them. I have much more evidence. So does XXXX XXXX Multiple Investigations into complaints of criminal fraud, senior fraud and other illegal activities at PayPal are underway. XXXX is the CEO of Paypal. His office is trying to force me to give them more money. To XXXX 17 more ... on XXXX XXXX Details To all of those Executives, Administrators, Directors and Employees at PayPal who need to stop the criminals at PayPal and XXXX XXXX and their criminal allies, unless you are part of the problem : This letter is sent to document that you have been informed of the frauds, senior frauds and other criminal activities going on in your companies so that justice for those you harm can be brought about. These incidents have been reported to federal agencies and will continue to be reported until justice is done. XXXX in collaboration with XXXX XXXX without my consent nor advance knowledge, took control of my email ( XXXX ), my 3 websites and 4 domain names, for 6 weeks during which time they implemented 18 transactions from my bank checking account with no allegation of providing services or products or anything else. Six transactions were taken out in 60 seconds on XX/XX/2021 while only they had access and control. My bank investigated, stopped some payments, and gave me provisional credit for some ; later found in my favor and made their provisional payments permanent. XXXX refused to give me provisional credit and tried bullying me into letting them keep these and other funds. I filed fraud and senior fraud charges against PayPal, XXXX XXXX and the name they used ( XXXX ) to steal the money out of my account. Throughout the 6 weeks of their frauds and other criminal activity, they refused to respond to my emails sent through my gmail account of which they had not been aware. They scoffed when I told them I would file criminal accounts against them. So far, I have filed criminal complaints against both companies with the Federal Trade Commission, Federal Communication Commission and Federal Bureau of Investigation ( FBI ). I was able to get control of my other email, domains and websites on XX/XX/2021, late in the afternoon, Pacific Time. From then until Saturday, XX/XX/2021, I sent them messages via my XXXX email demanding return of my money and the control of my Internet domains in the XXXX XXXX which they refused until XX/XX/2021 when they also sent me 9 emails of false notice that they had given me provisional credit for each, had conducted their own investigation and decided in my favor, after which via the 9 emails they were notifying me that all funds had either been sent back to me via my bank or deposited in my XXXX account. I have checked with my bank from XX/XX/XXXX to XX/XX/2021 and only one deposit of {$490.00} has been deposited into the bank account from which it was taken. I checked today ( XXXX, 2021 ) in my Paypal account and instead of crediting the funds owed to me, Paypal has debited my account by - {$2300.00} and is demanding that I pay them what they owe me. This is another case of fraud and senior fraud which I will forward to all of the agencies where I have filed complaints and others I still have to file. My efforts to reach the Paypal Fraud Dept. and any other responsible PayPal administrator or executive was met by nastiness and/or ridicule, insisting that I listen to a statement they record that they are trying to recover a debt that I owe, which is a lie. I owe them nothing. In all of the 18 stolen transactions, they made no claim of having providing me with anything at all, no product nor service. As soon as I discovered their crimes, I canceled both accounts, as well as the initial agreement that they would provide me with marketing support. They have never provided me with anything. They also represented themselves as agents to sell XXXX XXXX XXXX to me, kept the money ( {$360.00} ) and gave me nothing for it. Since this experience of XXXX and XXXX XXXX working together to steal from me, they and their complicit staff in all departments cover for the thefts of each company and are insulting in the progress. I will continue and file every criminal and civil complaint possible. There are hundreds more complaints against them both on the Internet. It is hard to believe that the President/CEO, other executives, boards of directors, supervisors and scores of employees do now know what is going on. They are all ready to lie and have no interest or sense of decency on behalf of their customers. Also clear is that this is a widespread and national, if not international, problem by which these companies rob the public. I hope CFPB can help bring needed attention to end these unlawful activities. Thank you, XXXX XXXX XXXX ( XXXX ) XXXX cell/business # ; ( XXXX ) XXXX residence/private # ( this is best # to leave phone messages ) | ||||||
| 04/27/2020 | Yes |
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| On XX/XX/XXXX, I purchased a round-trip flight ticket from XXXX through paypal. The amount is XXXX. However, the returned flight was cancelled finally by XXXX XXXX. On XX/XX/XXXX, the XXXX XXXX refunded the ticket price {$200.00} to XXXX. After that, I phoned XXXX to refund the money to me. They did not. This is part of the fraud. They promised that they would refund me but they did not. Also I paid for something I can not have. On XX/XX/XXXX, I opened a case to dispute half of the total ticket price ( {$220.00} ) since the flight was cancelled. Case number is XXXX. On XX/XX/XXXX. paypal sent me an email to claim that " We changed your case reason for XXXX ''. On XX/XX/XXXX, the case was denied by paypal. I contacted them for the reason. The representive XXXX indicated that the reason for losing the case is due to the wrong filling reason. So it is totally a trap or a game. I changed your reason for filing and I denied your case due to the wrong reason. As we all know, each transcation could be claimed twice and Great! one has gone. I can not understand why and I need explaination, Or this is the fraud. Paypal helps other sellers to take my money and keeps playing a key role in this fraud. The following is the chat. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Thanks. I really cound not understand your decision. The money was sent back by XXXX XXXX to the passenger. They took my money. XXXX XXXX In this case, it does look like the claim was switched from a Non-Receipt claim to a Not as Described claim, which this wouldn't fall under. That is why the claim was denied. My option would be to have us refile this under a Credit Not Processed claim since this is regarding a cancelled flight. XXXX XXXX XXXX I did not do it. you did it XXXX XXXX I do apologize for any confusion. I'll go ahead and get it refiled under the appropriate reason code. XXXX XXXX XXXX Hello XXXX XXXX XXXX Thanks for contacting us about your case. Based on the information we received we are changing the reason for filing this case. You submitted your claim because your item or service was significantly different than originally described. We will continue to investigate your case and we'll let you know if we need any further information. Transaction details : Dispute Case ID : XXXX Transaction Amount : {$440.00} USD Dispute Amount : {$220.00} USD Transaction ID : XXXX I reported that I did not have the item or service but you changed it. Really thanks for your help. XXXX XXXX Alright, so now that the dispute has been refiled and escalated, the seller has 10 days to reply to us with a valid explanation or a refund authorization. If they don't respond, you will be eligible for a full refund on the 11th day. For now the best thing to do would be to keep an eye on your emails and we'll reach out to you as soon as we have any updates for you. Until then, is there anything further we can assist you with, XXXX? XXXX XXXX XXXX I do not have any further questions. Is there anything that I should submit for the case? Thanks for your help and understanding. XXXX XXXX At this time, no, if we need anything else, we'll reach out to you by email. It was my pleasure assisting you today, XXXX. I'm glad I could get you on track towards a resolution. Thank you for taking the time to contact us! We do truly value you and I hope that you have an excellent rest of your day. If you have any questions down the line, please feel free to contact us! It looks like you may have stepped away from our conversation. That's okay! Please check any previous messages and if you need to reply, well connect your message to the next available Customer Support Team Member if the previous Team Member is not available. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On the same day, the representive re-submitted the case for me. On XX/XX/XXXX, anohter representive changed the case reason again. The reason for the 2nd claim was not sent by myself but by the representive XXXX. On XX/XX/XXXX, paypal denied my case again since they thought the service has been rendered. However the flight was cancelled. The key points make me think I was treated unflair are : 1. Why paypal changed my case reason again and again. Also the change make me lose the 1st claim directly. 2. When the 2nd claim was denied, I contacted paypal again. I pointed that the flight was cancelled and there is no way that the service could be provided. However, they did not take any explain and just want to deny the case. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Regardless of the flight being canceled, we are going to deny the case and appeal. You will need to work with your bank or the merchant on getting this refunded. XXXX XXXX XXXX I still can not understand. Even if you want to deny the case, you need to provide me a reason. XXXX XXXX This is a credit not process claim meaning the seller promised a refund but never issued one. The services were rendered by the merchant which is why we are denying this claim and appeal. I have provided reasoning on this but you are not liking the information I am providing. We are not going to reopen this case or reverse the funds back to you. Please work with your merchant or contact your bank. XXXX XXXX XXXX The services were rendered? How you told me you need to contact 2 parties. I just wonder how you know that the service has been rendered XXXX XXXX I have told you information was uploaded by the seller in reference to what was provided. XXXX XXXX XXXX OK if I can send you the proof that the service did not rendered. XXXX XXXX We will not use this proof for the case as we are denying the appeal. XXXX XXXX XXXX Will you accept it now? No one contact and ask whether I got the service OK The service did not been delivered. even if I can prove you are wrong and you will not receive it? XXXX XXXX We are not seeking any information for this claim as we are going to deny the appeal. Please work with the merchant on getting this refunded. If you have issues doing this then you can work with your bank on disputing it which is why I mentioned both. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Finally I do think this transcation is a fraud since the seller promised my refund on XX/XX/XXXX but I did not have any refund now. Also they have different excuse and different decision for each email. Paypal as a money service provider, did not follow the guideline from DOT to provide refund for the cancelled flight and also support the seller to steal money from the customers. Also as the finally chat with XXXX, the representive, the information was uncleared. He told me that they took the evidence from seller that the service was rendered. However, I already sent him the evidence to paypal - a receipt from XXXX XXXX to show the refund due to cancelled flight. Paypal did not hold its responsiblity to protect the customer 's wallet. I can not understand my experience. I do think that paypal, or some employees in paypal, did a heavy discriminative, unreasonable and illegal decision on my case. Until now, I have attached a screenshot to show how many emails I have sent to XXXX for the refund. Paypal did nothing on it. | ||||||
| 06/19/2017 | Yes |
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Web | |
| I am responding to a previous response to my previous complaint as it contains inaccurate information, here is what paypal sent via CFPB in response to my previous complaint : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Company 's Response Response : On XX/XX/XXXX , you created a PayPal account ( Account ) at which time you agreed to PayPals user agreemen t ( User Agreement ). On the same day, you provided your XXXX XXXX XXXX checking account ( Bank Account ) information to PayPal to use as a funding source and for withdrawals from your Account. On XX/XX/XXXX , you applied for a PayPal Business Debit Card ( " Debit Card '' ) for your Account. Your application was approved on XX/XX/XXXX . Subsequently, the Debit Card was sent to you vi a US M ail ; and you activated the card on XX/XX/XXXX . In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX , a review of your Account identified the potentially suspicious activity of adding funds to your Account via a PayPal Cash prepaid card ( " PayPal Cash '' ) an d then exiting those funds via withdrawals to your Bank Account. As a result, we limited your Account as permitted under the Restricted A ctivities & Holds section of the User Agreement. At that time, we notified you of this action through email and requested that you explain your activity via affidavit. On XX/XX/XXXX , you completed the affidavit ; and, as a result, we restored access to your Account. Between XX/XX/XXXX , and XX/XX/XXXX , you added a total of {$1000.00} to your Account via PayPal Cash. Duri ng that same timeframe, you continued to exit those funds via withdrawals to your Bank Account, and for purchases using your Debit Card. Because you continued to use PayPal Cash cards, your Bank Account, and your Debit Card in a suspicious manner, after having received a prior warning, we permanently limited your Account on XX/XX/XXXX . As provided in the Restricted Activities & Holds section of the User Agreement, PayPal may suspend, or limit access to your Account or PayPal services if we believe that you may have engaged in any Restricted Activities. Because the activity on your Account was consistent with potentially illegal activiti es, Pa yPal considers this a Restricted Activity ; and we reasonably believed a limitation was necessary to prevent further violations. Therefore, we will not be restoring access to your Account. Further, pursuant to the Restricted Activities & Holds section of the User Agreement, PayPal may hold your Account balance for up to 180 days if reasonably needed to protect against the risk of liability. Nonetheless, PayPal r eleased your remaining Account balance of {$5.00} on XX/XX/XXXX . On the same day, you withdrew your Account balance to your Bank Account. Please note that PayPal must be in a position to protect its interests in relation to limited accounts. The regulatory and legitimate interests of PayPal, a s they relate to the retention of user records, compel us not to close an account if it is not in good standing. Therefore, we are declining your request to close your Account. Explanation o f Closure : We believe th at PayPal acted in good faith and in accordance with the User Agreement when denying you access to our services as a reasonable measure to maintain the security of PayPal 's system. As your Account is not in good standing, we are not closing the Account or restoring access to the Account. PayPal considers this matter resolved, as we made your funds available for you to withdraw on XX/XX/XXXX . Please feel free to contact me should you have any questions or concerns, or if I can be of further assistance to you. DESCRIPTION OF NON-MONETARY RELIEF Description of Relief : PayPal rel eased your remaining Account balance of {$5.00} on XX/XX/XXXX . On the same day, you withdrew your Account balance to your Bank Account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SPECIFICALLY, THE FOLLOWING IS INACCURATE : " At that time, we notified you of this action through email and requested that you explain your activity via affidavit. On XX/XX/XXXX , you completed the affidavit ; and, as a result, we restored access to your Account. Between XX/XX/XXXX , and XX/XX/XXXX , you added a total of {$1000.00} to your Account via PayPal Cash. During that same timeframe, you continued to exit those funds via withdrawals to your Bank Account, and for purchases using yo ur Debit Card. B ecause you continued to use PayPal Cash cards, your Bank Account, and your Debit Card in a suspicious manner, after having received a prior warning, we permanently limited your Account on XX/XX/XXXX . '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - At no point was I told that this behavior was putting my account at risk of permanent limitation, the only notification I got was that they needed to know what the funds would be used for, which I explained entirely, my account was restored with no problem. A large portion of the funds I place into my account are withdrawn because I am unable to make payments on my credit cards without withdrawing the money to my bank account because Paypal does not furnish me with a routing or account number necessary to do so. I was merely asked to explain what I was using the money for and explained by responding to them. In addition, at no point was the request for an explanation referred to as an affidavit until now. I have been extremely forward with Paypal and revealed extensive personal details about my entire life going back several years and explained the use of all the money in question when asked. In addition to this, the person who gave me the cash to deposit into my account on both occasions, my partner, has sent messages to paypal attempting to confirm that they are the source of these deposits and the reasoning behind them. In any regards, the communication with me regarding the cash deposits/withdrawal to my bank was misleading and incomplete and PayPal i s entirely miscategorizing it in their response to my previous complaint. At no point in the entire situation was I made aware of any issue with withdrawing to my bank account ( the only thing that was sent to me was specifically referring to the cash deposits into my PayPal, my withdraws to my bank were never mentioned in any form ) and at no point was I informed that making use of the cash deposit and then withdrawing it to my bank account to pay bills in this manner again in the future would put my account at risk. Nothing in Paypal 's terms of service makes any specific mention of this behavior either. There is no mention of using PayPal in this manner in the Restricted A ctivities & Holds sections whatsoever. The only reason I ever used this service is because its repeatedly advertised all over Paypal 's app as a convenient way to deposit cash -- my XXXX XXXX does not have a branch any closer than 40 mi nutes away and following the advertising o f PayPal Cash which bills is at a convenient way to deposit cash without having to go to the bank, I utilized it for exactly that purpose. | ||||||
| 10/19/2022 | Yes |
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| On XX/XX/XXXX both my husband and I opened our PayPal accounts and hit the 'close account ' button under settings. We were both given a screen that said they were unable to close our accounts, please contact customer service. I phoned and was told that PayPal was undergoing system updates and to call back within 24 hours. On XX/XX/XXXX I phoned again and was told the system updates were still in effect but that they would create an 'escalation ' ticket to insure my request be dealt with quickly by their escalation team. On XX/XX/XXXX I phoned again and was told there were no system updates blocking them, but that there were pending charges on my account blocking them from proceeding with closing my account. I insisted there were no pending charges ( the account had no active billing agents attached and we had not purchased anything using PayPal in a long time period ) I requested to speak to a supervisor. The supervisor confirmed we had no pending transactions but that a 'shadow account ' was showing on his screen blocking him from closing my account. I asked what a shadow account was- he really couldn't give a description- just kept repeating I had one. He went on to say that it was attached to my Venmo account. He said if I closed Venmo- it would remove the shadow account and he could close my account. I immediately advised my husband and we both closed our Venmo accounts in 5 minutes. I phoned XXXX back, another rep said the shadow accounts were still blocking him. I phoned Venmo back and explained what the XXXX rep said about shadow accounts, the Venmo rep said my account never had shadow accounts attached to it. I asked her how she could be certain, she said it's an automatic alert on their side- they have a history and my account never had a shadow account. She told me to give XXXX customer service this ticket number ( XXXX ) to prove her claim and that they were mistaken. I phoned XXXX back and gave them the ticket number, once again, they said they would write an escalated ticket to insure my request be honored. XX/XX/XXXX Again, no representative has returned the call ( as promised the three previous days ) and my requests for help on their messaging service have not only been unanswered- they have a not saying my message has been closed. I phone again. This rep gives me the same three excuses I've heard for 3 days. I refute each one effectively, they are at a loss and send me to their manager- immediately the phone is disconnected. XXXX from Nebraska office phones me back about 20 minutes later ( this is the ONLY time any representative from PayPal has attempted to call me in these 12 days. He, too, tried the same tactics ( pending charge, shadow account, etc. ) and ultimately said he would write an escalated ticket and I should hear back within 24 hours. XX/XX/XXXX Frustrated, I phoned again. ( These are some of the reps I have spoken to in these 12 days : XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX ) Again, the same excuses. This time, the supervisor 's supervisor XXXX says he will further check into my account, after confirming there were no system updates, no pending charges, no shadow accounts in his words " Your account is clean, I'm not sure why it won't close '' he said he would escalate the ticket. I explained I'd already had numerous escalated tickets and not one call back. He was looking into my account and said there were NO escalated tickets!!! Under speculation, you can only assume they are advised NOT to create one. XXXX provide me with a number XXXX XXXX to reference to insure I did have an escalated ticket. He assured me I would receive a call in 24 hours. XX/XX/XXXX No call from them. I phone again ... they look up the escalation ticket but now they state there is an issue on their end preventing them from being able to process closing accounts. They tell me they will write another escalated ticket and a member from the " back end office '' will contact me with a resolution. This has persisted for 6 days ... I've called everyday- the same run around. Today, when I try to call their customer service prompt says if you are calling to close your account you can not speak to a customer rep, you must message them through text/messaging system only. I explained I was calling to speak to a rep, it put me through- this rep went back to square one- trying to claim I have shadow accounts ( even though I've proven I don't ) and dismissed there being a systemic issue. Here 's the rub. They have policy updates taking place the first of XXXX. We ( my husband and I ) reject these. If we do not close our accounts- it is stated we are agreeing to these policy updates. However, they won't let us close them. I've emailed the acting CFO, marketing rep, media rep, and one other with these accounts. I've left voice messages for XXXX XXXX and XXXX XXXX ( two of the reps above ) and have not received any response. I've filed a complaint with the XXXX in XXXX no response from XXXX to my complaint as of yet. I've filed complaints with the FTC.gov, and both attorney general offices in Texas and California. I have video recorded one day 's calls where they reiterate all the same excuses and I battle each on only to have them transfer me to a supervisor and the phone is hung up. I've tried to call customer service on some days and if I dial from my phone ( connected to my XXXX account ) I was on hold over 2 hours with no answer ; however, if I used my daughter 's phone to call in- a rep answered in 2 minutes. I have had reps tell me to stop calling. However, their on directive says I must call customer service to close my account. I created a username on their PayPal Community forum to try and get solutions from others in my situation. I tried to use XXXX as my username. It said it was already taken, their computer suggested XXXX and I accepted it and it allowed me to create a user account to post on their community forum- I shared my experience and with in 5 minutes I get a response saying my post was removed and my ability to post was suspended because the username was not acceptable. I responded that I used a username their own system suggested but if they needed to change it I gave 3 options. I received a response back that my account to post was reinstated. I assumed it let me keep the old one. No, they had not exposed my full name as my username, without my permission. I have since found dozens of others with the same issue- some have been trying to close their accounts for 3 years!! A lawsuit by XXXX, XXXX XXXX XXXX XXXX in NJ was filed last week on behalf of investors alleging that PayPal created millions of bot accounts and refused to close accounts as a means to defraud investors. I'm caught in this loop. This is a systemic issue with PayPal that has existed since it changed owners in XXXX but most of these practices started in XXXX. I am at a loss and see millions stuck in this situation. Something alarming is their claim that even if you close your account, they still have full access to all your account and personal info. In fact, my friend was able to close her account two days ago and received 4 emails urging her not to close and warning her that even if they close her account- her information would not be deleted and could be used for their purposes. Isn't there a law against these type of practices? Please help. | ||||||
| 09/23/2023 | Yes |
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| On XX/XX/2023 i purchased online using my personal paypal account to the seller ( PayPal Merchant XXXX ) i paid to the service i need through there online store here in XXXX then my debit card already deducted amounting XXXX XXXX XXXX. Then days passing by until XX/XX/2023 reach then i decided to open dispute on my paypal app on my mobile phone then i was successfully open dispute on the said transaction heres the details of my dispute Transaction details Case ID XXXX XXXX XXXX XXXXXXXX PHP Transaction ID XXXX Transaction amount XXXX PHP Transaction date XXXX XX/XX/2023 Seller name XXXX then on XX/XX/XXXX, i decided to check the status of my cased on the paypal app on my phone, showing under review, then i scrolldown the pages then i saw a new action stating escalation i click that action then i put my reason why i choose that action then suddenly im shock because paypal intentionally closed my cased without any valid reason, why my cased automatically moved to CASED CLOSED while my cased remains unresolved? It seems and smells fishy on the action commited by paypal company!!! Why they need to do such disgusting action to intentionally closed my cased without my consent? It seems like they want to run for their obligation in each client like me!!! Then im trying to still report and resolved my problem to the said transaction inside paypal! On that time im forcing to change my issue to the said transaction because paypal company intentionally closed my cased and removed the true reason why i reported my transaction on XX/XX/2023 and open dispute to the said situation!! Meaning paypal removing my rights to file my claim to the incident was happened to me. Then i had no choice to file another issue to open dispute for me to still revived my claim to the said transaction!!! Case update Thanks for contacting us about your case. Based on the information we received we are changing the reason for filing this case.You submitted your claim because you were not charged correctly for this transaction. We will continue to investigate your case and we'll let you know if we need any further information. Transaction details Dispute Case ID XXXX XXXX XXXX XXXX PHP Dispute Amount XXXX PHP Transaction ID XXXX Transaction Date XXXX XX/XX/2023 Then after XXXX minutes of my successful changing reason to still able to get my claim paypal responds to me details below, An update on case XXXX We received a response from your merchant and have also reviewed all the details of your claim. Based on the merchants response and the information we have to date, we'll have to deny your claim. Case details Dispute Case ID XXXX Transaction amount XXXX PHP Dispute amount XXXX PHP Your transaction ID XXXX Transaction date XXXX XX/XX/2023 Then on that day im forced to take appeal on the said decision. Then today i got responds to paypal still denying my claim!!! Heres all the conversation Skip to case details Incorrect amount - Appeal I was charged the wrong amount for my purchase Case statusClosed The case was closed as this transaction is ineligible for PayPal Purchase Protection. Your responses XXXX XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX You provided the following supporting info. Invoice coming to seller XXXX proof that i sent wrong amount. I hope that is enough to stand my claim. Dont deny my claim dont take advantage small individual people like me. Anything elsed please let me know i will do my best to prove my claim is legit XXXX invoice XXXX XXXX XX/XX/2023 at XXXX PM XXXX You provided additional info. Really? My purchased is ineligible for PayPal Purchase Protection? Why i choose to use paypal for buying online? If you are saying i dont have purchased protection? XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX You provided additional info. Why you forced and intentionally closed my open dispute on this payment? I cant understand your action!!! You taking advantages to individual like me!!!! Why you need to do such thing? And why you telling and stating to the cased history The case was closed as this transaction is ineligible for PayPal Purchase Protection? Can you please answer me regarding on these? Why you stealing my rights now? XXXX XX/XX/2023 at XXXX XXXX XXXX You provided additional info. Can you please clear it up to me!!! Why you are stating The case was closed as this transaction is ineligible for PayPal Purchase Protection??? Why you can easily say all of these? This case force to close by your side!!! For you there not to fulfill your obligation to a costumers like me. After i paid that goods and services i really know and understand my protection!!!! XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX You provided additional info. Heres the screenshot coming from maruli on the day that i have paid to them. Why you stated on your decision this cased are closed because this purchase is uneligible of buyer protection? Are you kidding me? Do you think we dont know why we use and attracted to used paypal as a payment option because it safe and buyer have enough protection!! And now you are saying uneligible? Why you need to say like that to run for your obligation? Come on!!!! You are so wise!!!! Sender maruli proof of payment receivedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You provided additional info. Why you need to closed my open dispute in the first placed? I decided to escalate this issue to you there but you are taking advantage of my action to turning closed this cased!!!! Why? Why your so tricky and making force to do such an action? XXXX XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX You provided additional info. Please dont denied my dispute on this!!!! Contact XXXX XXXX or email them. They are trying to scam me. Then now you are going to declined my claim? How could you paypal? XXXX XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX You provided additional info. Are you joking to me? Show me the reply of the seller that you telling me that stores denying my claim? Send me the proof or i will escalate this to business bureau. XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX You appealed the outcome of this case by providing the following additional info. Why you trying to run your obligation to me? I was filling and escalating this issue but you are intentionally denying my claim. XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX You provided additional info. That is my proof. XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX You escalated this issue. Escalation info Because seller phone number are not active until now. even the stores they have before they already dissapear in the market online. Case details Case ID : XXXX XXXX XXXX XXXX PHP Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date reported : XXXX XX/XX/2023 Transaction reported XXXX XXXXXXXX XXXX XXXX, Money Sent Transaction ID : XXXX XXXX PHP Additional Info Your note : I can not received the service Correct amount : XXXX PHP Case History XXXX XXXX You filed an appeal XXXX XXXX The case was closed as this transaction is ineligible for PayPal Purchase Protection. XXXX XXXX You escalated to PayPal Your conversation with XXXX That is all conversation we had as of today. Please help me to still get my claim. Paypal still taking advantage and manipulating small people like me. My PAYPAL account corresponding to this problem and issue is XXXX XXXX | ||||||
| 04/27/2021 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I ordered a {$79.00} 40cm 5.5 lb electric photographer 's turntable from a site online : XXXX : XXXX I paid for it via Paypal as when I went to pay, that was the only payment link that popped up on the screen for me. According to the PP receipt email I received, the main email address connected to that Paypal account is XXXX. On XX/XX/XXXX, I received a notice from Paypal that my item was shipped and told me to go to my Paypal account to get my tracking number. When I checked the tracking number ( XXXX ) at USPS online with my Informed Delivery account, it said this First Class Mail package was expected on Monday, XX/XX/XXXX and had been sent from XXXX, TX. I thought that seemed awfully fast for such a heavy package to come to WA all the way from XXXX, TX. Then that led me to check the tracking number again to be sure it did say sent via 1st Class Package because it was my understanding that 1st Class packages could only weigh up to 13 ounces. I knew my item I ordered was 5.5 pounds before packing materials were added on. I began getting a bad feeling then and went into my email to see if I had yet received an order confirmation email from this company ( the website ) or from that XXXX XXXX person listed on my Paypal transaction page. I had not. Not a single thing. The only contact at all was from Paypal when that seller/scammer uploaded the tracking number to Paypal on XX/XX/XXXX. I also noticed that the official Paypal Transaction number for this order is different than what shows on the scammer company 's website in my so-called Order History. They used some Transaction Number that is not connected to my Paypal payment. All day Monday, XX/XX/XXXX, I kept checking the tracking and once it said it was delivered late that afternoon, I drove up to our mailbox and, of course, there was NO package. I then went next morning to my XXXX XXXX XXXX on XXXX XXXX and they referred me to the Postal Carrier Annex and gave me their phone number to call. I went back home and then called the Postal Carrier Annex and spoke to a lady named XXXX. She asked my name, address and the tracking number. She then put me on hold for a couple of minutes while she checked it. She came back and asked me again my address and name and again the tracking number. She then told me that that number was not connected to me at all. The name of the addressee was different, the address was different, miles away from mine in XXXX XXXX I live in XXXX on the XXXX XXXX XXXX and the item connected to that tracking number was a small 3oz package. NOT a good sized package that would house a 40cm 5.5 pound motorized photography turntable! She said she suspected this was another scam and told me that these types of scams are getting really heavy lately. She advised me to file a complaint with the Postal Inspector. She gave me a phone number but I decided to file that complaint online and did so Monday XX/XX/XXXX. On Monday XX/XX/XXXX, once I discovered I had not received anything, I went directly to Paypal and filed a complaint that I had not received anything even though the tracking number claimed it was delivered. In that complaint, I said I suspected a scam and pointed out that the tracking number turned out to be for a small 3oz package and that the item I ordered and paid for was 5.5 lbs. The Paypal notification said I had to wait to give time for the seller to respond to my complaint before I could escalate my complaint. Then, Paypal forwarded my complaint to the seller/scammer! I decided then to give it until Monday, XX/XX/XXXX and then I would escalate this complaint with Paypal to force them to do something about this and investigate it thoroughly. I assumed that once they actually looked at all the details I had given them and when they investigated that tracking number, they would come to the same realization I had and the Postal Annex lady had ... that this was a scam. Then, over this past weekend, Paypal emailed me and told me they denied my claim! They are siding with the scammer! Paypal never even investigated this at all! They just took the word of that person, XXXX XXXX in XXXX TX as gospel. I told them that I got my information from the USPS! Paypal doesn't care. I looked further and noted that I received a series of emails from Paypal on Saturday, XX/XX/XXXX, in a span of exactly 5 minutes saying first, that my complaint had been escalated to a claim ( by the seller/scammer ), then the second one saying they were contacting the seller " XXXX XXXX '' for further questions, and then the third one saying " we're reviewing information given by XXXX XXXX '', and the last one just one minute later saying they were denying my claim! No one from Paypal ever, at any time, contacted me to ask me anything or to allow me to show all my proof I had accumulated. They didn't want to see any of the screen shots I have of my order nor the info I had gotten from the Post Office about the tracking number that person gave being to someone else entirely and at a completely different address than mine. I have no clue what this person 's address or other contact information is because I never received anything from him/her so can not even check email headers to see where he/she really is. His/her most likely phony email address ( XXXX ) is all that's on my Paypal transaction page. The original email from Paypal sent as my receipt for payment listed another email as the main account holder ( XXXX ). This person is like a shadow and I can not get any information on who or where she/he/it is. Only Paypal must know that. I have screen shots and .pdf files of everything. I took shots of their website pages and the order page itemizing the item I purchased from them. It even says it was completed through Paypal and gives the transaction number and amount. I have a pdf of the Paypal page showing what I paid and the tracking number she posted there. Paypal is fully aware of these frauds and scams because they've been going on since way back in XXXX or XXXX identical to this one. But they side with the scammers every single time. Every email we get from Paypal now is a no-reply email. We can not contact any customer service via the phone because they dumped their customer service department last year supposedly because of the pandemic. All you can do is talk to a bot online which is useless. The only time anyone has ever been able to speak to a person at Paypal is once Law Enforcement gets involved and Paypal suddenly acts concerned and calls " to help solve the problem ''. After my first complaint to Paypal on their site about suspecting this was a scam ( that they then forwarded to the scammer ), I have not ever been allowed to add any screen shots of my proof, more details, or anything else to the dialogue there. This scammer ran the whole show and Paypal allowed them to. I have reported this to the Postal Inspector General, my bank who issued my debit card I used to make this purchase, my WA State Attorney General 's Office, and I filed an FBI ic3 complaint against Paypal and the scammer website/company. If I can think of any other government entity to complain to after this, I will file there too. | ||||||
| 07/11/2022 | Yes |
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Web | |
| Below is a narrative on behalf of my client, XXXX XXXX who was supposed to receive her massachusetts unemployment through venmo. It was mistakenly sent to the wrong account and venmo will not help even though we have sent a consumer protection Massachusetts GL93A letter. LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX DEMAND FOR RELIEF PURSUANT TO XXXX. XXXX XXXX Sent Via USPS Certified Mail, XXXX Venmo XXXX : Legal Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX RE : Our Client/Claimant : XXXX XXXX Claim Number : XXXX Date of Accident : XX/XX/2021 Dear Venmo/ Venmo Legal Dispute Department : The following constitutes a demand for relief pursuant to XXXX. XXXX XXXX. I. INTRODUCTION Please be advised that the office of the undersigned represents the interests of XXXX XXXX ( XXXX XXXX ), relative to the monetary damages suffered resulting from XXXX unfair business practice, including a refusal to resolve a clerical error on XX/XX/2021. Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. XXXX. BACKGROUND During the global pandemic, XXXX XXXX became eligible for Pandemic Unemployment Assistance ( PUA ) benefits through the XXXX of Massachusetts. XXXX provided unemployment benefits to individuals who were unable to work because of a COVID-19-related reason but were not eligible for regular or extended unemployment benefits. The Commonwealths method of depositing funds from the assistance program was through your company, venmo. After an application approval process and release of funds, the Commonwealth was to direct deposit funds into my clients venmo account. The username/account used in relation to this deposit was not the correct username/account for XXXX XXXX. The tracking number for XXXX XXXX account is listed as XXXX XXXX XXXX XXXX and the tracking number of the account XXXX XXXX funds were deposited to XXXX XXXX XXXX XXXX. This clerical error resulted in funds deposited into the incorrect account, depriving XXXX XXXX. XXXX current refusal to cooperate in transferring funds has greatly affected my clients quality of life and is considered an unfair business practice under Massachusetts law. XXXX. CLAIMS HANDLING My client has contacted both your office and the Commonwealth Department of Unemployment Assistance multiple times to report this clerical error and to clear the funds she so desperately needs. The Unemployment office for the Commonwealth of Massachusetts contested the issue needs to be resolved directly through Venmo. Venmo, to date, has not cooperated with the transfer of funds owed to my client. Therefore, XXXX XXXX is, to this day, without the benefits she was entitled to. IV. ARGUMENT The purpose of this letter is to demand an immediate release of my clients funds and to advise you that your companys failure to promptly, fairly and equitably provide my clients money constitutes an unfair and deceptive act or practice under M.G.L. c. 93A 2. This unfair or deceptive act is, in my opinion, declared unlawful by Section 2 of Chapter 93A. As a result of this unfair act or practice, you owe my client the loss of money as follows : Date of Funds Received by Venmo Amount XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$900.00} XXXX TOTAL MONEY OWED TO XXXX XXXX TO DATE : {$12000.00} Therefore, I hereby demand the relief of all funds my client has been denied access to. XXXX XXXX gives you the opportunity to make a good-faith response to this letter within thirty ( 30 ) days. Your failure to do so-could subject you to triple damages, attorney 's fees and costs if decided to institute legal action. You are hereby advised that should you fail to make payment as demanded herein, a litigation complaint will be filed and will assert a count for your violation of G.L. c. 93A 9 ( 3 ) and G.L. c. 176D ( 3 ) ( 9 ) ( n ), on behalf of my client, XXXX XXXX. V. CONCLUSION AND DEMAND If the court finds for my client in the result of litigation, recovery shall be in the amount of actual damages ; or up to three, but not less than two, times such amount if the court finds that the use or employment of the method of competition or the act or practice was a willful or knowing violation of said section two. The amount of actual damages to be multiplied by the court shall be the amount of the judgment on all claims arising out of the same and underlying transaction or occurrence regardless of the existence or nonexistence of insurance coverage available in payment of the claim. In addition, the court shall award such other equitable relief, including an injunction, as it deems to be necessary and proper. A. G.L. c. 176D ( 3 ) ( 9 ) ( n ) Request For Explanation I am hereby requesting that you provide me with the detail of your deliberations by which you determined XXXX XXXX is not entitled to her government services funding considering the facts in this case and the law to be applied to those facts. Pursuant to G.L. c. 176D ( 3 ) ( 9 ) ( n ), it will be an unfair claim settlement practice if you fail to provide promptly a reasonable explanation in relation to the facts or applicable law for denial of a claim or for the offer of a compromise settlement. The cited statute requires that you detail how you arrived at a full-stop refusal to transfer {$12000.00} to my client considering the specific facts of this case. B. G.L. c. 93A 9 ( 3 ) Demand For Relief Because your failed to provide my client the value of this claim, it is our position that you have already committed an unfair business practice, a violation of G.L. c. 93A 9 ( 2 ), the Massachusetts Consumer Protection statute. Pursuant to G.L. c. 176D ( 3 ) ( 9 ) ( f ), it is an unfair claim settlement practice if you fail to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear. Liability is better than reasonably clear in this case. Your refusal to cooperate in this clear liability matter will not qualify as a fair and equitable required by the cited statute. Your detailed unfair settlement practices detailed above are also a violation of G.L. c. 93A 9 ( 2 ). Pursuant to G.L. c. 93A 9 ( 3 ) I hereby demand that you pay {$12000.00} to my client, XXXX XXXX. Your failure to pay in the past, and any continued failure to pay {$12000.00} to XXXX XXXX has and will continue to deprive her of what she is clearly entitled. Any litigation commenced regarding the detailed violations of the Consumer Protection Statute shall seek multiple damages, costs of litigation, and reasonable attorney fees all as provided for by said statute. XXXX XXXX hereby offers your insured ( XXXX ) a full and final release of all claims in exchange for the immediate payment of {$12000.00}. | ||||||
| 04/28/2023 | Yes |
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Web | Older American |
| Beginning shortly after XXXX my account with XXXX, which is the account through which Im paid by my employer, XXXX XXXX, was hacked. Apparently, though I did not know it at the time, XXXX uses XXXX to transfer money into bank accounts. XXXX was hacked very badly in XXXX and billions of passwords and login information were stolen. My husband was hit pretty hard by people trying to use his XXXX XXXX card number for amounts like XXXX at a clip and from places all over the world. XXXX XXXX took care of all of this, and my XXXX was not out any money. I have now had XXXX stolen from me through this XXXX hacking from my XXXX account where I am paid earned income by my employer. They hacked into my email and read every word from XXXX until I dropped out of XXXX on XXXX XX/XX/2023. The hackers created and sent us fake XXXX emails that were fashioned after the usual ones we would receive each time there was any activity in our account. We even noticed other phishing emails during the turn of the year ( XXXX ), during the same time that they were siphoning money from my XXXX account. Due to the holidays and family illnesses, we did not catch on to this until around XXXX. I made phone calls to XXXX, but it has been pretty much a useless waste of time since whoever Im speaking to appears to be in another country and doesnt know much of anything about any questions that I ask. I appealed to one of my bosses in XXXX XXXX, XXXX XXXX, who oversees accounts at XXXX. He has been very helpful, and he has reached out to XXXX repeatedly. I am including some of these emails between the two of us in the supporting documentation. Please excuse any redundancy which is the nature of email streams. XXXX XXXX has a phone number for XXXX where he doesnt have to wait for an hour and a half ( as I have ) before he can talk to someone, since he is XXXX client. XXXX business, XXXX XXXX is a very large company. However, even when he put in phone calls, he would still have to wait for a return call. We have been working on this together since XX/XX/XXXX. We have gotten very little information or help from XXXX. It seems that they are just stalling and making things complicated. Finally, in XXXX of this year they informed him that I should go on their website and register a complaint there. I did this and all that was available was an online chat where I chatted online with a person, or a robot named XXXX on XX/XX/2023. He/she told me that I would have to go to the local police and have them fill out a form whereby the officers name badge, number, location, etc. would be sent to an email address at PayPal. That email address is : XXXX I had already filed a police report earlier, on XX/XX/2023, and an officer came out and took information from me, made a report, and was to turn it over to the detective division, but nobody ever followed up on that. When I called the supervisor of the officer who came to my house to investigate this theft, he said there was absolutely nothing that the local police could do. He said that I must take it to a XXXX agency and suggested the Consumer Protection Bureau and also the XXXX. I am starting here with the Consumer Protection Bureau. XXXX and XXXX have been of no help and seem to just be in a delaying mode. I also contacted the XXXX Department at XXXX since this is elder abuse. They told me the same thing that the local police told me. I did inquire as to whether XXXX had any insurance to cover such situations as did XXXX XXXX who covered my husbands hacking incidents -those couldve been a huge loss, had XXXX XXXX not taken care of it. I was told by someone I was speaking to on the phone at XXXX that they had no insurance whatsoever for such cases as this and that I could only regain these lost funds if they were found by their fraud division and returned to me. Their Fraud Division had done nothing as far as I know. To my knowledge, they have not instigated any sort of fraud investigation, although they claimed that they had. They said that they closed the investigation after sending me an email asking for more information and that since they did not receive a response, they closed the investigation. I never received any such email and in fact, we called in our XXXX consultants to ensure we didnt somehow miss these very important emails. Our XXXX Consultants did a special search to track down any pertinent emails from the last XXXX days. They found nothing of any significance and certainly nothing about a fraud investigation being undertaken, nor about them dropping the investigation due to not hearing back from me. There were no emails directed to us at our email address. Subsequently I was able, through XXXX XXXX at XXXX XXXX XXXX to get some emails that we never received, but that were sent directly to him, not to me. Neither these, nor the emails our XXXX consultant retrieved, had any information concerning a XXXX investigation. There is no evidence that XXXX has acknowledged that fraud has occurred to me until the XXXX of XXXX when I did the online chat. Their only response was to acknowledge the chat and say theyd get back to me, and as of now, Ive heard nothing. All of this you will be able to see in the attached corroborating information. Also, within the emails that are attached, relating primarily to correspondence between me and XXXX XXXX XXXX XXXX, XXXX, you will find the police report I filed with the local police office here. Hyperwallet is apparently part of PayPal. I would have thought a company as big as Paypal that big would have insurance to cover such an event. But the person I spoke to on the phone when I called XXXX insisted they had no insurance whatsoever. Also included in the supporting documents is 1. ) An example of a XXXX XXXX XXXX response regarding payments and one of the phishing ones sent by the hackers. 2. ) A breakdown of the payments that went into bank accounts other than my own and the actual statements from Paylution that show the last XXXX digits of the XXXX bank accounts XXXX deposited money into that should have gone to my bank. 3. ) When XXXX noticed that there were other bank accounts the money was going into, they assumed I was breaking their rules. Apparently, it didnt occur to them that I was being hacked. They then froze my account, so that I couldnt have access to my account to get the necessary information regarding the deposits made to other banks. I had to jump through hoops with them to prove my identity so I could get back into my account to retrieve the necessary information. So here we are, more than three months after I began trying to get a fraud investigation underway, and nothing has happened as far as Ive been informed. 4. ) I also went to my banker, XXXX XXXX, at XXXX, who called the actual bank ( a XXXX XXXX in another country ) that my {XXXX went into illegally on XX/XX/2023. The bank he called was very willing to help and felt bad about this, but they could do nothing without having the full bank account numbers and all I had was the last four digits. 5. ) Honestly, XXXX has made me feel more like the criminal than the victim. | ||||||
| 02/02/2022 | Yes |
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Web | |
| I am reaching out to file a complaint against PayPal. I made a purchase through PayPal on XX/XX/2021 for a transaction totaling {$1100.00}. When the item did arrive, it was in detestable condition and significantly not as described. There were numerous missing parts and the parts that did arrive were severely damaged. I immediately reached out to the merchant to report the problem. The effort was futile as the merchant either failed to respond or were hostile and uncooperative when they did respond. Having exhausted all reasonable efforts to find an amicable solution and convinced that I may be a victim of a scam, I resorted to filing a dispute with PayPal. As a consumer, I use PayPal because of PayPal 's Buyer Protection ( aka Purchase Protection Program ), which promises to have my back. In the event of an issue with a transaction, such as where the merchandise was defective/damaged or not as described, PayPal would have my back and look after my interest, and assist me in getting a refund for the transaction if appropriate. PayPal 's promotional and marketing materials across the web and every marketable medium are filled with this promise. PayPal 's Buyer Protection is the biggest selling point for me and the only reason why I have a PayPal account at all. Accordingly, I filed a dispute with PayPal regarding this transaction and believed that as the situation was so clear-cut, the decision would be simple and straightforward. Unfortunately, this was not to be the case. After the case of a month, PayPal jerked me around, fed me misinformation, lies, and did everything possible avoid having to resolve this dispute. I must have been a dozen communication attempts with PayPal in my efforts to resolve this matter and get the refund rightfully due to me and each time the PayPal would tell me something different. When I raised this discrepancy, each representative would claim that the previous representative had been wrong and the information given was incorrect, and that the information he/she was providing me was the correct one. Throughout this nightmarish process, PayPal was making me jump through one hoop after another, doing everything they can to get me to close the case and accept the loss, and the entire process was incompetence on top of incompetence. Furthermore, it appeared that PayPal was doing everything it can to side with the Merchant, working off the assumption that the Merchant is innocent until proven otherwise and that myself, the Buyer, is " guilty '' from the start and has full burden to proof everything. After reviewing I am reaching out to file a complaint against PayPal. I made a purchase through PayPal on XX/XX/2021 for a transaction totaling {$1100.00}. When the item did arrive, it was in detestable condition and significantly not as described. There were numerous missing parts and the parts that did arrive were severely damaged. I immediately reached out to the merchant to report the problem. The effort was futile as the merchant either failed to respond or were hostile and uncooperative when they did respond. Having exhausted all reasonable efforts to find an amicable solution and convinced that I may be a victim of a scam, I resorted to filing a dispute with PayPal. As a consumer, I use PayPal because of PayPal 's Buyer Protection ( aka Purchase Protection Program ), which promises to have my back. In the event of an issue with a transaction, such as where the merchandise was defective/damaged or not as described, PayPal would have my back and look after my interest, and assist me in getting a refund for the transaction if appropriate. PayPal 's promotional and marketing materials across the web and every marketable medium are filled with this promise. PayPal 's Buyer Protection is the biggest selling point for me and the only reason why I have a PayPal account at all. Accordingly, I filed a dispute with PayPal regarding this transaction and believed that as the situation was so clear-cut, the decision would be simple and straightforward. Unfortunately, this was not to be the case. After the case of a month, PayPal jerked me around, fed me misinformation, lies, and did everything possible avoid having to resolve this dispute. I must have been a dozen communication attempts with PayPal in my efforts to resolve this matter and get the refund rightfully due to me and each time the PayPal would tell me something different. When I raised this discrepancy, each representative would claim that the previous representative had been wrong and the information given was incorrect, and that the information he/she was providing me was the correct one. Throughout this nightmarish process, PayPal was making me jump through one hoop after another, doing everything they can to get me to close the case and accept the loss, and the entire process was incompetence on top of incompetence. The entire process clearly indicated that PayPal was doing everything it can to side with the Merchant, working off the assumption that the Merchant is innocent until proven otherwise and that myself, the Buyer, is considered " guilty '' from the start and has full burden to proof any wrongdoing. After reviewing PayPal 's Buyer Protection more closely, the wording and policy is immensely weighted in favor of the Merchant and against the Consumer with incredibly unfair and Merchant-friendly requirements like, in the event the Consumer was a victim of a scam and receives materially different, damaged, or defective merchandise, the Consumer is compelled by PayPal to arrange to ship the item back to the Merchant, at the Consumer 's expense, before a refund can even be considered. To add insult to injury, the Consumer is expected to pay for signature confirmation of delivery to make sure the Merchant received the merchandise, even though the Merchant didn't originally ship with signature confirmation. All this expense, inconvenience, and hassle would be paid for by the Consumer, with no possibility of being reimbursed, all so the Merchant who intended to the scam the Consumer can get their merchandise back. Throughout this process, all the Merchant has to do is provide proof that the item was delivered to the Consumer. I have provided all documentation requested and jumped through one hoop after another one at PayPal 's behest. Unfortunately, after weeks of dallying, lying, and misleading me, and after one representative after another telling me on recorded lines that my claim is all but assured to be closed in my favor, and that I should expect my refund any day now because I've provided all documentations requested, I have now been notified that my case has been rejected and closed in the Merchant 's favor. This is the reason for this complaint. I respectfully ask that the CFPB uses its full authority to look into this matter on my behalf and hold PayPal accountable for its duty to its customers. I respectfully ask that the CFPB uses its full authority to demand that my refund totaling {$1100.00} in processed in full and promptly. Thank you in advance. | ||||||
| 06/11/2022 | Yes |
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| XX/XX/2022 - I inadvertently paid {$100.00} to the wrong individual. XX/XX/2022 - I called XXXX XXXX to stop the payment. They marked it as a fraudulent payment which was helpful of them. I called Venmo to explain the issue. They said they'd give me a one-time courtesy and cancel the payment if I went back to XXXX and cancel the fraudulent payment. I immediately called XXXX XXXX and stopped the fraudulent payment claim. XXXX Bank confirmed this was done. However, Venmo then froze my entire account and required me to provide quite a bit of information to authenticate myself. It was a case of their " helping me '' but also simultaneously harming me ( something they did not warn me would occur if I took the {$100.00} courtesy ). XX/XX/2022 - I called Venmo to discuss the issue. They refused to discuss via telephone and said I must discuss via email instead. I emailed them and had lengthy back and forth emails with someone employed with Venmo named XXXX XXXX. XXXX XXXX kept insisting that I profited {$100.00} by virtue of the refund issued by Venmo, together with the fraud claim I submitted to XXXX XXXX Either he, or the individual I spoke with over the phone with Venmo ( I do not remember which individual anymore ) indicated that XXXX XXXX must not have cancelled the fraud claim. I called XXXX XXXX and confirmed with them that Venmo was incorrect. XXXX XXXX even offered to issue proof that they did via USPS postal mail. I called back Venmo to explain all of this. The customer service representative indicated she could not help me and that I'd need to continue working with XXXX XXXX via email, even though I indicated to her that he is unhelpful. I went back to emailing XXXX XXXX, and required multiple times to have a telephone conversation so that we could iron this out quickly ( as I had spent roughly 1.5 hours on the phone by this point ). XXXX XXXX would not oblige. I provided him screenshots of my TD account among other items he requested. None of this resulted in an amicable solution. XXXX XXXX kept insisting I add {$100.00} into my account to resolve the issue, as he would take the {$100.00} and pay it back to Venmo. I only had {$44.00} at the time. I finally gave up and tried to add the extra {$56.00}. Note that this is {$100.00} that Venmo was not owed, and it would have put me at negative {$100.00}. Despite this, I was willing to pay it back to Venmo just to get things back to normal. I kept receiving an error message. I called Venmo back about the issue. I went through the steps with XXXX XXXX XXXX were on the phone for just over 2 hours because she was trying to get technical support to help her. Per XXXX XXXX, the only fix I had was to add the {$56.00}, but their system wouldn't allow for it. And this was money that was not owed to them and would have resulted in my losing their {$100.00} " courtesy ''. I even offered to pay someone at Venmo the {$100.00}. XXXX XXXX indicated that she could not take the {$100.00} payment, and that my only recourse was to add the extra {$56.00} ( which their system was declining due to a technical error ). After a 2 hour call, I told XXXX P. I would just report the issue to the appropriate regulatory agencies. After we ended the 2 hour call, XXXX XXXX sent me a message indicating that he would unfreeze the account, but made sure to add the passive-aggressive message " Please note that if we find that you are engaging in activity that is restricted by our User Agreement we may take further action to deactivate your account in the future. '' I had undertaken no restricted activity, and their User Agreement terms were not within the scope of this discussion. Despite this, XXXX XXXX felt the need to send that passive message to me. XXXX XXXX sent me a message indicating the issue had been resolved. I told them both that I'd like a Venmo account that I can send the {$100.00} to because the entire mess wasn't worth {$100.00} and I'd like to undo the " courtesy '' that they gave to me. In short, I wanted to give them the {$100.00} back. It wasn't worth it as it made my situation a nightmare. They never responded. XX/XX/2022 - I wanted to use Venmo as my account is now " unfrozen ''. I tried to use it, but my payment was declined. I called TD Bank and confirmed it was not on their end. I called Venmo. I spoke with XXXX. XXXX indicated that it was due to " security reasons ''. That was all she said. I asked why. Her answer was " security reasons. '' I asked for the reasons. Her answer was " security reasons. '' I asked who can help me to fix this issue. She said " no one due to security reasons. '' I asked if the CEO of Venmo could fix the issue. She said " no, not even the CEO because of security reasons. '' I asked about removing my checking account, closing my Venmo account, and making a new one. She agreed it was worth a shot. We tried it, but I still received the same declined message because of " security reasons. '' I said that surely someone at all of Venmo could override and/or help me to fix this issue. She said that no one in all of Venmo could override this issue. That it's something we'll simply have to live with because of " security reasons. '' Their security system apparently overrides all humans employed at Venmo, and there are XXXX overrides available ( a terrifying thought should they ever need to override something significant ). I asked what state Venmo is incorporated with ( to determine which state attorney general is relevant here ). XXXX told me that she could not tell me that information but I can submit a complaint to their internal complaint team. I told her I'd submit a complaint to the CFPB. Summary : -Venmo granted me a {$100.00} " courtesy '' for my error ( yes, the initial error was mine and not with Venmo ). -The " courtesy '' came with the price of freezing my account. -The only way to unfreeze it was to pay the {$100.00} back to Venmo by adding enough funds to my account for them to take it. -Their system would not even let me add the money necessary to accomplish this due to a technical error. -I offered to pay them their {$100.00} to an account but they wouldn't take it. -Those who freeze accounts refused to speak to me via telephone. -After 3-4 hours worth of phone calls, and threats of regulatory complaints, they finally unfroze it ( and sent an unprofessional/passive aggressive message ). -I still can't send payments due to " security reasons ''. No other explanation would be provided. -Per their customer service, no one, including the CEO, can override their security. Apparently their security defeats all human interaction, even if there is a legitimate reason to override it. XXXXThey proclaimed they could not tell me what state they're incorporated in. Note : I can provide any proof that is in tangible form upon request ( ex : telephone time records and dates, email chains, bank records, etc ). | ||||||
| 08/27/2023 | Yes |
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Web | Older American |
| The Venmo interface malfunctioned and I was NOT able to pay for a product with " buyer protection ''. In the past, when I hit the pay button, I was offered the " buyer protection '' option for the transaction when I hit the pay button. In this instance, Venmo just paid the " seller 's '' account WITHOUT the option for buyer protection being offered. This was a Venmo malfunction XXXX XXXX Transaction XXXX on XXXX ... {$300.00} paid XXXX account through which we communicated : XXXX XXXX Phone number provided by XXXX XXXX XXXX XXXX Email provided by XXXX XXXX XXXX XXXX It turns out that the " seller '' was a scammer who had not provided the product or responded to my repeated requests for either the product or a refund. I previously contacted venmo disputes and was told to contact law enforcement and my bank... I have done this ( copy of Venmo 's emailed response below ) I will contact the CFPB about this Venmo interface malfunction IF Venmo will not refund the {$300.00} that I paid without the option for buyer protection. -- -- -- -- - Team Venmo ( Team Venmo ) XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, Thank you for reporting this activity! We take these reports seriously and will review the other party 's account. However, we are not able to discuss the specifics due to our Privacy Policy. Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we first recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. We want to make sure people using Venmo can feel confident when making or receiving payment for a purchase. Whether youre buying something in a store using your Venmo QR code or selling something to another Venmo user, we want to do what we can to help if something goes wrong. You can learn more about whats covered in the Venmo Purchase Protection program on our website. If you are unable to contact this person, you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to XXXX. Once we've received this request, we will be more than happy to assist the agency with their investigation. Please keep in mind that when transacting with people whom you don't know or trust there is always the potential for problems to arise. We encourage you to review this article on our Help Center for some information on how to avoid this type of issue in the future. I apologize that we are unable to assist further with this matter. Regards, Account Specialist Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX [ XXXX ] -- -- - Forwarded Message -- -- - From : Team Venmo ( Team Venmo ) XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX Subject : [ Venmo ] Your Venmo Chat Transcript Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, Thank you for reporting this activity! We take these reports seriously and will review the other party 's account. However, we are not able to discuss the specifics due to our Privacy Policy. Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we first recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. We want to make sure people using Venmo can feel confident when making or receiving payment for a purchase. Whether youre buying something in a store using your Venmo QR code or selling something to another Venmo user, we want to do what we can to help if something goes wrong. You can learn more about whats covered in the Venmo Purchase Protection program on our website. If you are unable to contact this person, you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to XXXX. Once we've received this request, we will be more than happy to assist the agency with their investigation. Please keep in mind that when transacting with people whom you don't know or trust there is always the potential for problems to arise. We encourage you to review this article on our Help Center for some information on how to avoid this type of issue in the future. I apologize that we are unable to assist further with this matter. Regards, Account Specialist Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I also filed a fraud report with the FBI IC3.gov Online Fraud Reporting IC3 Complaint : XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Thank you for filing a complaint with the Internet Crime Complaint Center ( IC3 ). Your complaint has been successfully submitted. Please retain the following information for future contacts with the XXXX : Complaint Id : XXXX Password : XXXX If you wish to view/download your complaint or have any additional information to provide to the IC3, please use the following link and login with the above complaint id and password. http : XXXX The IC3 's mission is to serve as a vehicle to receive, develop, and refer criminal complaints regarding the rapidly expanding arena of cyber crime. The IC3 aims to give the victims of cyber crime a convenient and easy-to-use reporting mechanism. Complaint Status The IC3 receives thousands of complaints each month and does not have the resources to respond to inquiries regarding the status of complaints. It is the IC3 's intention to review all complaints and refer them to law enforcement and regulatory agencies having jurisdiction. Ultimately, investigation and prosecution are at the discretion of the receiving agencies. Evidence It is important that you maintain any evidence you may have relating to your complaint. Evidence may include canceled checks, credit card receipts, phone bills, mailing envelopes, mail receipts, a printed copy of a website, copies of emails, or similar items. Please keep the items in a safe location, in case you are requested to provide them for investigative purposes. Additionally, to learn more about Internet schemes and ways to protect yourself, please visit XXXX | ||||||
| 06/12/2019 | Yes |
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| VERY simply because it's painfull to except, so with that I'm a XXXX year old XXXX high functioning low XXXX XXXX individual that PayPal he's just like my countdown they will not tell me why they have not told me any reason then they are holding my $XXXX which is a lot to me for 180 days and they will never ever do business with me again they said and I have no clue what they're talking about at all and they won't let me know at all what they're talkin about it would so I neither of us can say or know what happened they know what happened but they won't tell me now they're holding my money they're stealing it from me they've lied to me I have the recordings as I told them in the beginning the conversation I'm recording this conversation just because of these reasons they XXXX to me about being managers about their employee ID numbers and then a XXXX to me about the fact that where it was in the Clause that that it says 180 days if it's even in there cuz they don't know why do cuz I read it all now so high functioning XXXX very uniquely XXXX XXXX individual and I'm having trouble sleeping now for three days because these guys have lock my made me feel like a criminal and I can't sleep and I did nothing wrong nothing wrong to try to prove that I mean there's two I'm dying to let them prove to me that they kept that all they can prove to me that the head of the so they can find out I didn't do anything wrong because there's no way in XXXX I mean they can prove that I did so I know that they know that but they just won't you let my $XXXX go and like let me go away and just like not do business with them anymore so they started lying and then they started locking my money up and now they won't give me my money back and they're threatening me there I have all this on recording so please if anybody's out there that could help I would really appreciate it I don't know I suppose it probably isn't nobody really seems to care anymore but I guess they stole my $XXXX and I told him I like I said keep the $XXXX you guys I know you guys are XXXX-dollar company I don't mean nothing to you but keep the $XXXX if it helps you sleep at night but you really know what I haven't slept for three nights because of this at $XXXX you know how much that means to a family like mine which me is just me and my mother both the same both on Social Security $XXXX is is everything that's it that's three two weeks or so then acting like it's no big deal I understand because it's not when your XXXX dollar company but they lied and they've committed they've committed any crimes I read through all your guys's are your guys's your literature and I learned that they've XXXX and I have it on recording so I'm wondering if somebody can you please help me please I'm so sorry to bother anybody who has to read this I really am like I said I'm out there but I am a good person and I didn't do anything nefarious and they made me feel like just a XXXX XXXX XXXX and I just can't sleep thank you my number is XXXX XXXX XXXX and I apologize so badly for the language lower late ability XXXX individual that PayPal is just locked my countown they will not tell me why they have not told me any reason than they are holding my $XXXX which is a lot to me for 180 days and they will never ever do business with me again they said and I have no clue what they're talking about at all and they won't let me know at all what they're talking about at was so I need her of us can say or no what happened they know what happened in but they won't tell me now they're holding my money this evening it from me XXXX light to me I have the recordings as I told them in the beginning of the conversation I'm recording this conversation lower late ability XXXX individual that PayPal is just locked my countown they will not tell me why they have not told me any reason than they are holding my $XXXX which is a lot to me for 180 days and they will never ever do business with me again they said and I have no clue what they're talking about at all and they won't let me know at all what they're talking about at was so I need her of us can say or no what happened they know what happened in but they won't tell me now they're holding my money this evening it from me XXXX light to me I have the recordings as I told them in the beginning of the conversation I'm recording this conversation just because of these reasons they XXXX to me about being managers about their employee ID numbers and then allied to me about the fact that we're it wasn't the Claus that that it says 180 days if it even then there cuz they don't know why do cuz I read it all now so I'm high function XXXX very unique leave XXXX XXXX individual and I'm having troubles a sleeping now for 3 days because these guys have locked my main me feel like a criminal and I can't sleep and I did nothing wrong nothing wrong going I'm trying to prove that mean there's time trying to let them proved me that they get that like all they can proved me that the have the soul they can find out I didn't do anything wrong because of there's no way in XXXX I'm mean they can prove that I did so I know that they did know that but they just won't let my $XXXX gold and like let me go with away and just like not do business with them anymore so they started line and then they started locking my money up and now they won't know giving my money back and they're threatening me there I have all the sign recording so please if anybody's out there that could help I would really appreciate it I don't know I suppose to probably isn't know where you're really soon as the care anymore but I guess they they stole my $XXXX and I told him I like I said keep the $XXXX you guys I know you guys are building XXXX company I don't mean nothing to you but keep the $XXXX to help you sleep tonight but you really you know what I haven't slept for 3 nights because of this I 8 hours you know much that means to family like mine which me is just me my mother both the same both on Social Security yet $XXXX is is everything that's XXXX them at like it's no big deal I understand because it's not when you're billing XXXX company but they XXXX and they've permitted they've committed different times I read through all your guyses your guyses your your literature and learned that they've XXXX and I haven't on recording so I'm wondering if somebody can please help me please I'm so sorry to bother anybody XXXX this I really am like I said I'm out there but I am a good person and I didn't do anything to serious and they made me feel like just a XXXX XXXX XXXX and I just can't sleep thank you my number is XXXX and I apologize so badly for the language I and in the little length of this but like I said I'm going to XXXX so I can't stop talking and so late but XXXX | ||||||
| 03/16/2023 | Yes |
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| This is a fraud complaint against PayPal Inc. PayPal INC. is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Ph. ( XXXX ) XXXX & ( XXXX ) XXXX Defendant has a money transmitter license in Washington State that is current and renewed through XXXX. PayPal INC. is subject to regulation by the Washington Department of Financial Institutions. ( XXXX ) On XX/XX/XXXX, while checking my PayPal account, I found an unauthorized charge in the amount of {$9.00} dated XXXX the XXXX, XXXX. I checked my bank account and found that the bank completed the transaction on the XXXX of XX/XX/XXXX ( Exhibit # 1 Page 2 ). ( XXXX ) I then filed an unauthorized charge claim with PayPal ; at XXXX XXXX, XX/XX/XXXX, I received a fraudulent email from PayPal ( Exhibit 1 Page 3 ) acknowledging receipt of a claim with a transaction ID that is different from the transaction ID in the XX/XX/XXXX authorization : Exhibit # 1 Page 3 represents acknowledgement of a claim with transaction ID # XXXX and Exhibit 1 Page 8 represents the fraudulent authorization with transaction ID # XXXX ; both transaction IDs are for the same {$9.00} unauthorized charge that the Bank completed on XX/XX/XXXX. The email is fraudulent because the transaction ID number in the claim acknowledgement email is different from the transaction ID in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. ( XXXX ) One minute after receiving the fraudulent claim acknowledgement email in exhibit 1 page 3, I received another email from PayPal forcing me to change my password ( Exhibit 1 Page 4 ). ( XXXX ) At XXXX XXXX, XX/XX/XXXX, only four hours after sending the confirmation of their receipt of the unauthorized charge claim in exhibit 1 page 3, PayPal sent me another fraudulent email saying they denied the unauthorized charge claim ( Exhibit 1 Page 5 ). Both emails are fraudulent because the transaction ID number in the claim acknowledgement email in Exhibit 1 Page 3 and the denial of same in Exhibit 1 Page 5 are for a transaction ID ( # XXXX ) that is different from the transaction ID ( # XXXX ) in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. ( XXXX ) At XXXX XXXX, XX/XX/XXXX, PayPal sent me another fraudulent email including a fraudulent XXXX tracking claiming that XXXX shipped me something ( Exhibit 1 Page 6 ) ; this is fraudulent because I didnt buy anything from XXXX and I wasnt expecting any shipments from XXXX XXXX The email contained a fraudulent tracking number which, according to XXXX website, doesnt exist ( Exhibit 1 Page 7 ). The email is also fraudulent because I didnt purchase any merchandise from XXXX or any other seller for that dollar amount on XX/XX/XXXX. There are two more fraudulent features about this email : ( i ) Its title says more information about your shipment when there was never any email sent before it about any shipments corresponding to this unauthorized charge ( ii ) in legitimate purchases, it is the seller not PAYPAL that sends customers the tracking number but in that case PAYPAL took it upon itself to provide the tracking information without any communication from any seller prior to that about purchase or shipment related to the XX/XX/XXXX unauthorized charge. ( XXXX ) When I checked the XXXX tracking that PayPal provided in XXXX parcels and packages, I get a message saying that the tracking number is not found ( Exhibit 1 Page 7 ). ( XXXX ) I never received any shipments from XXXX or PayPal with this very strange tracking. I didnt order anything from XXXX or anybody for {$9.00} on that date nor did I authorize this payment. Neither PayPal nor any seller sent any information about a purchase for that amount on XX/XX/XXXX. PayPal never mentioned anywhere in its multiple fraudulent emails what the merchandise is. ( XXXX ) I searched my email for any communication about a transaction dated XX/XX/XXXX ; I found no communications from XXXX about any purchase on XX/XX/XXXX. I didnt buy anything from anybody on XX/XX/XXXX, XXXX the amount of {$9.00} and I didnt authorize a {$9.00} payment to anybody on XX/XX/XXXX. I found a fraudulent authorization email from PayPal that doesnt have a corresponding purchase notification form XXXX or any other seller ; the fraudulent XXXX of XX/XX/XXXX email from PAYPAL just says that a payment was authorized ; in it, PAYPAL doesnt mention the reason for or the amount of the authorization ( Exhibit XXXX Page XXXX ). ( XXXX ) When you compare Exhibit 1 Page 2 which represents what the charge looked like in my bank account to the authorization sent to me ( Exhibit 1 Page 8 ) about the same charge on XX/XX/XXXX, you see that the information that PAYPAL gave the Bank regarding the XXXX of XX/XX/XXXX charge is very different from what they emailed me on XX/XX/XXXX, XXXX the authorization ; the authorization email sent to me doesnt indicate the mount of or the reason for the authorization and doesnt mention any merchandise ; however, the charge to the bank indicated a specific amount and mentioned a merchandise. ( XXXX ) None of the fraudulent emails that PayPal sent me ( Exhibit 1 Pages 3,5, 6 & 8 & 11 ) say what the merchandise is. ( XXXX ) The transaction ID, # XXXX, in the XX/XX/XXXX XXXXauthorization email from PayPal ( Exhibit # 1 Page 8 ) is different from the transaction ID, # XXXX, PayPal sent me in its acknowledgement of the claim contesting the same XXXX of XXXX unauthorized charge ( Exhibit 1Page 3 ). ( XXXX ) PayPal sent me another fraudulent email on XX/XX/XXXX, entitled Your PayPal case : XXXX case denied ; that email is fraudulent because ( i ) in it, they say that they denied a claim with an ID # XXXX ( Exhibit XXXX Page XXXX ) which, is different from the claim ID ( XXXX ) in the acknowledgement ( Exhibit XXXX Page XXXX ) ; ( ii ) they assigned the claim the ID # XXXX which is different from the one they assigned it when they denied it on XX/XX/XXXX ( # XXXX ) ; ( iii ) it is also fraudulent because the two claim numbers XXXX & XXXX were assigned to a transaction with ID with # XXXX which is not the transaction ID of the unauthorized charge that Plaintiff filed the unauthorized charge claim about ; the charge authorization that was sent to me on XX/XX/XXXX had transaction ID # XXXX ; ( iv ) it is also fraudulent because they assigned transaction ID # XXXX two claim IDs : One on XXXX of XX/XX/XXXX ( # XXXX ) and a different one on XX/XX/XXXX ( # XXXX ) even though no appeal could have been possibly undertaken because it was not an option on PayPal website; ( v ) it is also fraudulent because in Exhibit 1 Page 10 that is dated XX/XX/XXXX you can see that the case was already closed on the XXXX of XX/XX/XXXX. | ||||||
| 07/24/2017 | Yes |
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| I was looking to file bankruptcy without a lawyer so i XXXX for a Pre-parer and come across this company called XXXX XXXX XXXX So the site gave a good sales talk and would help me with my bankruptcy court form with there software. So i paid Transaction Date XX/XX/XXXX, Transaction Amount {$170.00} USD, Merchant Name XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount {$49.00} USD, Merchant Name XXXX XXXX The XXXX was charge to me XXXX XXXX with known associate XXXX XXXX. to redo the form. Which i thought this do n't seem right. So when there software had finished the court form They was suppose to sign the form stating that they pre-pared the the bankruptcy form. Which they would not do that even though the court says that who ever software pre-parer does the form they are suppose to sign the form. They said just tell the bankruptcy trustee that i did it. I figure out then this was a scam / fraud site. I ask for my money returned and only way you can contact them was inside there site. They have no address or Phone contact #. The company said that there policy states that they do n't return the money. And everytime a asked i got the same response. So i paid using a Paypal Debit card to pay them for the service. I told paypal that i was scammed the very next Day. Although i had to wait a few days for the charge to go through before i could dispute the charge. I recieved a chargeback from mastercharge for the full amount on XX/XX/XXXX. So i sent Proof that this company is a scam i showed proof that " XXXX XXXX with known associate XXXX XXXX. '' Runs the fraud websites & that they are not suppose to do this has they have been Banned from bankruptcy judges order. The U.S. Marshals sevice has a standing order to arrest XXXX XXXX for civil and possible criminal penalties. I sent all the Proof to Paypal over this matter. This company sends one thing to Paypal that states there Terms do n't refund money for use of there software. So now they want me Repay the chargeback byXX/XX/XXXX. The company terms is a scam that 's how they keep the money people pay. I never used there software for the courts it is illegal for me to i can get in trouble from Trustee and the case Dismissed. Banned Bankruptcy Provider Here is Proof of this scam site : The individual running this site and countless others has been banned from doing business in the United States by the US bankruptcy court for years! His name is XXXX XXXX with known associate XXXX XXXX. In Late XX/XX/XXXX an article was published by a XXXX XXXX XXXX of XXXX exposing XXXX XXXX and the continued illegal activity being continued from thousands of miles away offshore. The U.S. Marshals sevice has a standing order to arrest XXXX XXXX for civil and possible criminal penalties. Shortly after the publishing of the XXXX article, XXXX XXXX shut down all sites ( at the time run out of the country of XXXX ) and communication with any customers ended and effectively thousands of dollars of money were stolen. Of course, around six months later his new series of website 's re-emmerged under a few different names located and hosted in XXXX XXXX. XXXX XXXX ( not .com ) as to hide. XXXX - Formally XXXX XXXX and a few others ... Starting in early XX/XX/XXXX a prethora of sites from the same server in XXXX emerged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these sites are on the same server in XXXX XXXX XXXX.. ... All sites registered on or about XX/XX/XXXX from the same reg company with hidden personal information. Oh.. and just like the previous XXXX sites , serveral fake review sites : XXXX XXXX They only feature their sites with a few non-competing lawyer only options to make it look legit ( which it is not ) .... I have shared this new information with XXXX XXXX XXXX, the original whistile blower of XXXX so he can update the original article for re-publishing and hope he response with an updated article exposing these criminals ASAP. This is what i recieved form Paypal askin g to Repay the chargeback : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we sent you an email asking you to review the merchant 's response. Unfortunately, we did not receive a response from you. Based upon the documentation from the merchant, we 've determined that the charges appear to be legitimate and we are going to close these cases. The reasons the transactions are considered legitimate are : " The Company provides various products and services including document creation software. Out software products are self-service products that you use by yourself to create your documents. Our services will be deemed complete under this agreement when you download our software. The documents that you create with our software are entirely dependent on the informational input you enter into the software and as such, you are entirely responsible for the content and accuracy of the documents that you generate. The cardholder downloaded the product they paid for and as per the agreement, they are not entitled to a refund. All sales are final. If you are not sure you need our services, do not order. In the event you wish to cancel our services, there will be no refunds. The cardholder purchased our documents preparation for {$170.00} on XX/XX/XXXX and again for {$49.00} on XX/XX/XXXX, and was provided immediate login access to download the software. The cardholder logged in on XX/XX/XXXX, and downloaded the software on the same day. '' The documentation provided by the merchant shows that the software was used, and a document was created. Without proof of a guarantee that the document was usable in court, we are not able to continue with the disputes. The provisional credits of {$170.00} and {$49.00} that we posted to your account on XX/XX/XXXX will be debited from your PayPal account onXX/XX/XXXX. Our investigation has been closed. If you would like a copy of the documentation we used to make our decision, please write to : PayPal Attn : PayPal Debit Card Department - Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States Here the thing i sent all the Proof and i sent and sent emails so Paypal told a lie. I sent all the Proof and many emails to them. This Fraud company sent one email over there Terms of Service. I do not want to Pay this company for unusable court forms / Scam Site. I want my money returned & no chargeback that i should have to Repay. I am sending the PDF form that was filled out with there software. Has you can see that they the company is suppose to sign the document has they are the pre-parer. If they do n't then i did not get what i paid for. And it is illegal to say i did it own my then. | ||||||
| 04/15/2022 | Yes |
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Web | Older American |
| This is quite complicated. It is better if you read it with the pictures attached, so I prepared a small webpage ( but I will still include just the text below this link ) : XXXX XXXX XXXXXXXX/PaypalXXXX ****************************************************************************************** In early XXXX I purchased a XXXX XXXX from XXXX. When it was time to pay, I clicked on their Paypal payment button and it guided me to several ways to pay. I chose. So when I changed over to XXXX I selected a XXXX and when it came time to pay, I clicked on their Paypal payment button. I expected XXXX to be as good as XXXX and allow me to choose HOW I WANTED to pay, but all XXXX broke loose! Instead of allowing me to choose which credit card I wanted to pay with, ( as XXXX did ) they automatically paid it with my XXXX XXXX XXXX account. WHICH I HAD DISCONTINUED AS A PAYMENT OPTION!!! ( I would have previously taken XXXX XXXX OFF OF PAYPAL, but Paypal requires a bank account to be listed and Paypal would NOT let me take XXXX XXXX oFF! - so XXXX XXXX was left on Paypal- BUT I NEVER EXPECTED PAYPAL TO AUTOMATICALLY TRY TO GET MONEY FROM IT!!!! ) As soon as I realized that they were charging the XXXX bill to my unusable XXXX XXXX account, I hurriedly CALLED PAYPAL but they are very difficult to get on the line, with a typical wait of an hour ( they probably have the worst Customer Service in the world )! So I hung up and I opened my XXXX account and I went ahead and PAID MY XXXX BILL WITH MY XXXX XXXX CREDIT CARD. Then I got back on the phone and after a long wait, I said to the Paypal woman, " Since there's no money in the XXXX XXXX account, I paid Freelancer with my XXXX XXXX Credit Card. You need to change the NOT PAID to PAID. She told me that she couldn't do that, because with an automatic payment, if the Paypal customer has inadequate funds, PAYPAL ITSELF GOES AHEAD AND PAYS THE FEE! SO XXXX HAS ALREADY BEEN PAID NOT ONLY BY YOUR CREDIT CARD BUT BY PAYPAL : THERE'S A DOUBLE PAYMENT AT XXXX! '' She told me I needed to contact XXXX and have them REFUND THE MONEY THAT PAYPAL HAD PAID THEM. She said my Paypal account would continue to show a negative unpaid balance until this money was refunded. Once refunded, that would settle the issue. WHICH IS LOGICAL... This took me the next 3 weeks or so to get XXXX to REFUND THE MONEY BACK INTO MY PAYPAL ACCOUNT. ( Freelancer.com is also a MESS TO WORK WITH!!! This is the 4th big problem I've had with XXXX! Years ago, I'd go to pay for a XXXX and their button would do nothing. So I thought I hadn't paid, or it hadn't processed, so I'd click the button a 2nd or 3rd time. Then found out that it was charging me TWO TIMES FOR THE SAME TRANSACTION. THEN I'D HAVE A XXXX OF A TIME GETTING MY MONEY BACK FROM PAYPAL!!! ) On XX/XX/XXXX, I finally saw the REFUND FROM XXXX concerning this latest nightmare : [ REFUND Picture goes here ] Logically, since XXXX WAS PAID ( FROM ME BY XXXX XXXX, WHICH I CAN PROVE IF YOU REQUIRE EVIDENCE THAT IT WAS PAID- BUT I HAVE NOT PROVIDED IN THIS LETTER ) AND SINCE PAYPAL NOW HAD AND HAS THE {$200.00} USD IN MY PAYPAL ACCOUNT, you would think the issue is over. But after a week of seeing that my account was still in the negative ( they had not taken the money!!! ) and after receiving an email that I owe an unpaid balance of {$200.00}, I called Paypal and after a long wait, I explained to the rep that the money is there : get it and change the amount unpaid to paid. ( Note : over the last 2 months I have called Paypal probably a dozen times about this, so I can not remember each conversation exactly. ) But these reps hee-haw around, acting like they can not do anything. Several times I have been put on long holds, as they supposedly transferred me to someone who could resolve it, and at least a couple times THAT person would also put me on a long cellphone hold as they again transferred me to someone else who was supposed to resolve the issue! No one at Paypal wants ( OR CAN??? ) take the money that XXXX has refunded ( SEE THE EVIDENCE ABOVE ) and finally after sending me many emails reminding me that I have an unpaid balance, and after several phone calls, they told me that my account had been turned over to COLLECTIONS. At last, I thought, I can get it settled! But the collections rep was also very firm and committed to getting me to pay an ADDITIONAL {$200.00} BESIDES THE {$200.00} THAT IS ALREADY THERE!!! ( AT THIS POINT I STARTED WONDERING IF SOMEONE AT PAYPAL HAS EMBEZZELED THAT MONEY??? THAT IS MY REFUND ( OR RATHER PAYPAL 'S REFUND FROM XXXX???? ) The REFUND shows that it is there, that it WAS REFUNDED- BUT PAYPAL SEEMS TO IGNORE IT!!! After arguing with the Paypal Collections ( who I thought would resolve all of this ) I asked for their phone number XXXX and I tried talking to the rep 's supervisor ( if I recall correctly? ) But that person also was unworkable and firm in trying to get me to pay an additional {$200.00} ( 1- I had already paid {$200.00} to XXXX ; and 2- I didn't and don't currently have an extra {$200.00} to pay it a second time ; and 3- several reps have told me if I pay it - THEN THEY WILL REFUND THE {$200.00} THAT THEY CAN SEE IS IN MY ACCOUNT BACK TO ME!!! ( ( ( ( TALK ABOUT IDIOTIC!!!!!! They expect me to pay them with money that is already there, and then they will pay me back the {$200.00} that I ahve sent to them!!! ) ) ) ) I have repeateDly trieD to finD a smart person at Paypal to logically take the REFUND THAT IS THERE. I can find no one at Paypal with XXXX on them... They continue to insist that I pay it again, and they continue to send me email after email stating that I have an unpaid transaction that needs to be paid. About a month ago I decided to call Paypal again. This time the rep told me that the " REFUND FROM XXXX '' had been paid to me. I told her that there is no {$200.00} record in either my XXXX XXXX account OR in my XXXX XXXX account. She was NOT disbelieving and hard to work with as the other previous reps had been. She was polite and really tried to solve my problem and said she would put a " TRACE '' on what happened to the money REFUND and that Paypal would contact me and let me know what happened to that {$200.00} REFUND that they say they've refunded back to me... THAT WAS OVER A MONTH AGO. I HAVE NEVER HEARD ANYTHING ABOUT THAT " TRACE '' But I continue to receive harassing emails saying I have an unpaid balance that needs to be paid by me. When will this Paypal idiotic nightmare be resolved? Can you help or do anything to help this to get resolved? Are they going to ruin my credit rating? Or have they already diminished my credit? sincerely, XXXX XX/XX/2022 XXXX XXX-XXX-XXXX | ||||||
| 04/14/2021 | Yes |
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| Dear Consumer Financial Protection Bureau, I need to report an issue I am having with Paypal please. They recently banned my account and will not give me a reason. I have tried calling and speaking to an agent, emailing them, and reaching out through the XXXX XXXX XXXX. As of today, Paypal is still not giving me a specific reason as to why they banned my account. This all began with the one and only Dispute I ever filed with Paypal since I created my account in XXXX. On XX/XX/XXXX my Paypal account was banned ( " Permanently Limited '' ) for " violating buyer protection policies. '' However, there was nothing I did that violated any policies. In short, I was sent an item that was advertised as something else, requested to return the package back to the seller for a full refund, Paypal decided in my favor, then banned me the same day they processed my refund. The Dispute Information : I purchased an item from a seller that was falsely advertised. I purchased a lot of 4 items, advertised as : a XXXX, a XXXX, and XXXX XXXX. These are collectable items from a XXXX shop called XXXX the XXXX XXXX XXXX, and all in the theme of their bear mascot. What the seller labeled as the purse was actually a coin pouch, a much cheaper and less useable item. Their photo was angled so you could not see the major difference between the two, which is only visible from the top and of the straps, which the seller did not take a picture of. ) The seller admitted fault in our messages XXXX which I sent screen shots of to Paypal XXXX, but said they " already spent the money '' and would not do anything to fix their mistake. After a lot of back and forth with the seller without reaching an agreement, I tried opening my first Paypal Dispute ever. I also reached out to the mods of the buying platform I used, XXXX ( which is a platform to buy/sell clothing ) who also told me the seller 's behavior was suspicious and told me I should open a Paypal Dispute as well. The seller was sending me many messages that made me feel uncomfortable as they were hostile, so that coupled with the fact that I would not have purchased the lot had they properly labeled the item being a coin pouch, it seemed easiest to just send everything back for a refund since the price difference with the falsely advertised item made the lot 's value lower than. In the end, Paypal decided in my favor, however while I had been requesting to send the box back for a refund since the beginning of my Dispute, I was instead just granted a refund. I called Paypal immediately after they approved my Dispute, confused, and asking when I was supposed to send the box back. The agent looked into the specifics and said the refund was already starting to be processed as an e-check, and after it cleared I could ship it back and then submit the receipt to Return on Us for reimbursement. A few hours after I spoke to this agent, I suddenly got an email from Paypal saying my account was " Permanently Limited '' aka Banned. I called immediately, but Paypal 's office hours were already closed. I tried using their messaging system, but I just got a bot auto-reply directing me to articles about why I was banned. I called first thing the next morning and spoke to an agent named XXXX. I asked why I was banned and XXXX just read the email I received back to me and said they could not see any other information. I explained what happened and while they seemed confused about my ban, they said it was out of their hands and there was nothing I could do to appeal it. Some sources online suggested I contact the XXXX XXXX XXXX which I did, and I just heard back a few days ago from Paypal with just a vague answer and telling me they approved me for the refund of my Dispute and that " There may be excessive risk involved in doing business with you. '' I wrote them back last night asking what exactly these possible excessive risks are, since I have had an account with them since XXXX and never had a single negative experience or Dispute before. I appreciate the XXXX XXXX XXXX for helping me get some sort of reply from them when calling/emailing them on my own did nothing, however after doing some more research online I came across many people who suggested I reach out to the Consumer Financial Protection Bureau about this, which is why I am submitting this to you now. After I was approved for a refund by Paypal for being sent a product that was falsely advertised, I was supposed to be able to get reimbursed for the shipping I would be paying to send it back to the seller with Paypal 's Return on Us, as said by the Paypal agent I spoke to. Since I was blocked a few hours after our call, on XX/XX/XXXX after the refund went through to my bank account, I paid out of my own pocket to return it as I did not want to keep the seller 's items since I already received my refund. ( USPS Tracking : XXXX for you to see, the cost was {$17.00}. ) All of this is so confusing since Paypal told me they decided for my Dispute the day they banned me. Paypal is not communicating with me and giving me any real, tangible reason as to what I did wrong. The reason I got banned seems to vary as well agent to agent : In the email, it said I violated buyer protection policies, but in the one reply I received through XXXX, someone named XXXX from Paypal said " There may be excessive risk involved in doing business with you. '' Considering I never filed a dispute since XXXX, never had a negative balance in my Paypal, was approved in my Dispute by Paypal themselves, and even shipped the box back to the seller out of my own pocket so the seller could at least have their items back, I am at a loss as to what could possibly warrant me being banned. I use my Paypal as my main means of buying things online and sometimes selling things online as well. No longer being able to use Paypal is a huge inconvenience since it is the most widely used payment program available and being banned directly negatively impacts me being able to buy and sell in the same spaces as most other people and my business with ecommerce. This entire issue with not only the dispute with the seller but also Paypal banning me has taken many hours of trying to reach out to Paypal for a response/help and writing up lengthy messages detailing what happened to try to get this fixed. Since I still have not been given an actual reason to my ban, I feel it may be a mistake and hope that by filing this with the Consumer Financial Protection Bureau, it may be fixed. Since there were so many messages and documents involved with this, I have everything uploaded in this XXXX XXXX folder for you to see as well : https : XXXX? usp=sharing Thank you for your time, XXXX | ||||||
| 05/06/2019 | Yes |
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| This complaint is about PayPal , Inc., an online bank, and digital wallet for online purchases and transfers. On XX/XX/2019 I invoiced a client through PayPal for the balance due for building a website. The amount due was {$950.00}. The client paid the invoice. The client received access to her website as soon as the balance was deemed " paid '' by PayPal. The client didn't contact me with any issues about the live, functional website. On XX/XX/2019 the client XXXX, filed a dispute with PayPal claiming product she had purchased from me hadn't be delivered. This was a lie, and therefore a fraudulent claim. I responded to this customer dispute with voluminous documentation as I had retained all email communication between the client and I because I knew she would try to get out of paying full price for the website. On XX/XX/2019 I contacted PayPal 's " customer service '' to find out where in the process this FRAUDULENT complaint was in their timeline for resolution. I was told it might take 90 days to resolve. 90 days from XX/XX/XXXX would be XX/XX/XXXX. When I called PayPal in XXXX, I was redirect to the collections arm of their company. So after having spoken to a PayPal customer service rep on XX/XX/2019 who acknowledged that PayPal has ascertained that there was no legitimate claim for the client not having received product/good/service, that PayPal would try to work it out with XXXX XXXX XXXX to honor the charge, and release me from the chargeback/fraudulent claim. I refused to speak with the collections agency because the dispute file was still open and unresolved, so there was no reason for my account to be in collections. All subsequent attempts to communicate with a live customer service rep were unsuccessful. I was either redirected to collections or disconnected. On XX/XX/2019, I received an email from the client who filed the fraudulent dispute informing me that her bank had decided to honor the {$950.00} payment, and she'd been charged for that amount a second time. XXXX XXXX XXXX didn't acknowledge her right to dispute the charge after having received my documentation via PayPal. On XX/XX/2019, I again reached out to PayPal customer service. I was again redirected to collections, this time to a different company : XXXX XXXX. When I explained that I had documentation from XXXX XXXX XXXX reflected a new charge to XXXX. for the {$950.00} deducted from my PayPal account, I was finally transferred to a live person in PayPal. The conversation proved unsatisfactory as PayPal could not explain why they had no record of the XXXXXXXX XXXX transaction with client XXXX. I then requested a specific email address to which to send the screenshot documentation from XXXX XXXX I had received from client XXXX. PayPal insists that even with this documentation from XXXX XXXX, that they can't make my account whole or release my account from their collections arm. This has DAMAGED me and at this point, I consider that PayPal and their collections arm are colluding with the fraudulent {$950.00} claim dispute initiated by XXXX. XXXX. is unable to " settle '' or withdraw her fraudulent claim with PayPal according to PayPal 's current dispute process. Additionally, PayPal 's onhold audio message is misleading when it states the PayPal makes the decision with regard to Seller/Buyer disputes. PayPal maintains they are unable to make the determination about the transaction and that only XXXX XXXX can make the determination. PayPal insists that resolution of this fraudulent claim can only come about once they have the necessary documentation from XXXX XXXX. While XXXX. had consumer fraud protections available to her through XXXX XXXX as a buyer, I have no consumer fraud protection available to me through PayPal. My credit rating has been damaged by this fraudulent dispute, and by PayPal putting my account into collections before the dispute resolution had been determined. The case file is still " open ''. I requested an email from PayPal to document the 2 hours I spent on the phone with them today. I spoke with XXXX ; XXXX XXXX, who transferred me to XXXX ; PayPal customer service rep, who transferred me to XXXX, Supervisor in Disputes who was referring the matter to " chargeback '' I submitted the pdf of the XXXX XXXX transaction memo to XXXX. to PayPal at this email address : XXXX. Apparently, XXXX XXXX has 180 days to respond to XXXX. fraudulent claim, and then an addtional 90 days to " work digital magic '' in restoring {$950.00} to PayPal so my account with PayPal can be made whole. I will contact the XXXX to inquire as to the validity of pursuing a Class Action suit against PayPal for the manner in which they handle chargebacks. I am sure there are thousands of other people like me who have been similarly damaged ; especially as PayPal 's process doesn't seem to allow them to make a simple determination as to a fraudulent claim being made against a Seller who invoices/bills through PayPal online digital wallet/banking. I have VOLUMINOUS documentation with regard to the fraudulent claim by XXXX. This email, sent today from PayPal, doesn't accurately represent the details of today 's repeated phone conversations or my having submitted a pdf document from XXXX XXXX showing that XXXX. has been charged {$950.00}, which -- isn't going to come directly to me. " Dear XXXX, Thank you for contacting PayPal Customer Support. My name is XXXX and I am happy to assist you. As discussed, this email is to notify you that you have contacted us on XX/XX/2019 to discuss the chargeback case XXXX in the amount of {$950.00} USD. As of right now, we are currently awaiting the financial institutions response to the case. You have also previously provided your evidence which has been sent for review to the financial institution. There is no further action needed on your side at this time. We will update you when a decision is made within this case. Don't forget, we're always around if you need us. Just click " Help '' in the top right corner of any PayPal page to visit our improved Help Center. Add your mobile number to your PayPal account so we can reach you right away if we ever need to verify account activity with you. Simply log in to your PayPal account, click " Profile '' near the top of the page and then click " Update '' beside " Phone. '' You can also make and receive payments with your mobile phone when you add it to your PayPal account. After you confirm your number and create a PIN, you'll be able to get money, send money, check your balance, or manage your account from your phone using simple text messages. Sincerely, XXXX PayPal Customer Solutions PayPal " | ||||||
| 09/18/2023 | Yes |
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| XX/XX/23 Have a XXXX balance in my Venmo account Transfer out XXXX using my Venmo debit card ( receive email receipt ) Remaining balance of XXXX XX/XX/23 at XXXX Recieved an email that my Venmo account has been frozen and that I should have received a separate email with more information. I did not have not to date received that email. XXXX - I replied to the email as instructed asking for assistance in removing the freeze. Submitted a ticket online with XXXX to ask for assistance removing the freeze. Received a general bot reply to my online ticket with a link to XXXX XXXX that might solve my issue. Non were applicable. Replied to the ticket as instructed letting them know those XXXX XXXX did not fix my issue and to please contact me. I called Venmo and was told there was nothing she could do and I have to communicate through email and the tickets. I was told I could not retrieve my funds until the freeze was lifted, which could take over a week. I was told she could not provide any details or explanation as to why my account was frozen. XX/XX/23 My ticket online was deleted. Not just closed, completely deleted and not showing on my account, however I have the email that follows after you submit the ticket. I submitted another online ticket with the same information asking for help again Received the same generic XXXX email, replied to it asking for more assistance A service rep responded named XXXX, Please see my uploads. She told me she can not help me and I would have to wait for the special services team to contact me, that they only communicate through email, and that they can take 7-10 business day to contact me and even give me an explanation of why my account is frozen, much less what I need to do to have it unfrozen. I let her know I need the funds from my account as I'm a mom of XXXX and starting a new job this week and that is all the money we have until my direct deposit arrives. She advised that because I have a Venmo XXXX card I can use it at the ATM to retrieve my funds or use it to make purchases. I let her know I had tried a purchase and it was declined, and that I was told conflicting information on the phone by Venmo earlier in the day, and requested clarification. My ticket was CLOSED without any reply. I submitted ANOTHER ticket asking for information on all of the above, including why my ticket was closed without reply. No response received, not even the generic XXXX email this time. In desperation I drove to the ATM from my home in the country to try what I was told would work to withdraw my funds. Declined, XXXX times, with XXXX different error codes on the receipts for what Venmo was reporting back in their system. XX/XX/23 Screenshot and recorded all communications with Venmo and declined transactions and current status and balance shown in my app. This has been a nightmare. Here are the details I submitted to a law firm for consultation below just few minutes ago. Much more prose and emotion in this, but it explains the full story for additional details. ( sent to XXXX XXXX XXXX for review and consultation on XX/XX/23 ) Venmo has frozen my account and provided no reason for doing so. I have spoken to them on the phone multiple times, and in support tickets multiple times. They continue to say that their special services team should have emailed me regarding why my account was frozen. They have not! They have said it could be XXXX days before I even receive a reply on why my account was frozen. My account is fully verified, and I have a XXXX balance that I CAN NOT access. I am a mom of XXXX XXXX XXXX XXXX, and this XXXX} is all I have until I start employment with a new company later this week, then still need to make it to my first paycheck. I was told on the phone with Venmo that I can not use my Venmo debit card even to access my funds. Then in a XXXX ticket later that day I was told I can use my Venmo XXXX card to access my funds at an ATM and to make purchases with my physical card. I asked for clarification because I had tried a purchase already and it was declined, and I was told conflicting information earlier on the phone. They CLOSED my ticket WITHOUT RESPONDING! I created another ticket and continued asking for information and clarification. In desperation, I drove XXXX miles from my XXXX home to an ATM to try to withdraw my funds as I was told I could, and no surprise, it did NOT allow me to. My XXXX tickets continue to be closed and go unanswered, and phone support continues to tell me there is nothing they can do and provide no explanation to why my account is frozen. I have read Venmo 's terms and have violated none of them. My XXXX sent me XXXX, and in the past had sent me $ XXXX XXXX multiple times, including XXXX XXXX weeks ago, and I have never had an issue. I was able to transfer XXXX out of the XXXX he sent to my bank, then Venmo froze my account. No explanation, no email, no timeline for fixing the issue, no communication, no sympathy, no solutions, and their elusive " special services team '' I was told only communicates through email, which I was not given. I have screenshots of every ticket and the conflicting information I was given, the questions I asked and where my ticket was closed without a reply, phone records of each time I called Venmo and the length of call, the physical ATM receipts showing where my Venmo XXXX XXXX was rejected XXXX times and XXXX different ATM error codes for the information my bank ( VENMO ) kicked back to them, and every email of failed transactions and communication ( or non communication ) with Venmo since the account was frozen. I have been vigilant and unrelenting and have not been helped at all. I need this XXXX out of my account desperately for my family to bridge the gap this week. I even asked Venmo if they could transfer my balance to my linked and verified XXXX XXXX account that is on file with them in my account ( and has been for a while ), while I wait for their team to decide why my account is frozen. ( If I can supposedly use my Venmo XXXX card still as they said ( i can not ) then why can they not manually, on their end, transfer my funds to my already linked and verified bank account? This is ridiculous, and should be a crime to hold someone's funds without cause! and to not be able to speak to their special services team and have to wait for THEM to contact you through EMAIL whenever they feel like it is asinine and should be customer fraud. Please help me. Any advice or suggestions you have would be so greatly appreciated. I am in the process of submitted a complaint to the CFBP and Texas Attorney General. | ||||||
| 10/30/2019 | Yes |
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| Paypal has and still is allowing a woman claiming to be XXXX, an online, " legal, and authorized company '' and store for designer items. ( Hence the fake harrasment letter from a fake lawyer, no law firm, types just like that woman I once thought was a sincere worthwhile individual ). I've repeatedly called, sent emails, sent evidence and begged for help. A woman, who said her name was XXXX has stolen {$15000.00} ( final total ) between XXXX of us, myself for $ XXXX alone. Since, the victims have been attempting to leave feedback on her pages and even XXXX hasn't shut her down! I've reported to everything I can think of and filed a police report. PayPal continuously claimed they investigated and so far on top of the almost XXXX I've paid to my friends and PayPal has taken, I'm negative almost {$9000.00} for disputes. The sad part is that almost $ XXXX was sent with the worthless transferwise company and I filed disputes for 4 transactions PayPal was used to send her money and they closed them in her favor?! First, I received NOTHING, no products, no items, and of course my friends didn't either, hence why I'm being held liable for my friends orders too! These were payments, as I notated names on the memos but it only allowa so many characters. The person was a Merchant and identified as so, using their service to scam and steal from people. This money was not only my own, but also my friends. So, while he time I called since XX/XX/19 when I figured out she was a fraud, they did nothing. It took my friends to file chargebacks with their credit card companies and banks to get their attention. That's when they tried to tear into my own life and instead of saying no, go after the fraud just as my friends have desperately tried to tell them, I answered each and ever question. I uploaded every single thing they wanted. I tried everything to get justice for myself and my friends. I've lost everything, every single XXXX stolen, that piece of garbage got away with! PayPal enabled and continues to enable her to steal from innocent people. I've still repeatedly sent screen shots that my friends send me to show she's still using their service. They don't care. I know they don't because a man named XXXX wasted my time one day and told me to file chargebacks with my bank for two payments with their service and that he would review my account ever Thursday to make sure some XXXX didn't mess up my long-standing 12 year account with them because they don't read. I've yet to hear back from XXXX and it's been over 2 weeks. Worse, XXXX XXXX XXXX XXXX is a terrible bank. They didn't listen to the fraud, they pretended to scan in copies of all my evidence and the invoices and even the facts I thought I knew about XXXX XXXX and her company but the 3rd time I went in ... .there was nothing on my account. 4th time I came in I was following the chargebacks that PayPal told me to do I left after I handed the teller paperwork and he said he would take care of it. a week later I still heard nothing from them so I called again, this would have been second time, and they said that they were still working on it. I finally receive a call back and they said there is nothing that they could do that they we're called some sort of XXXX something and that I need to pay better attention when I'm buying online I hung up on the phone it was that or cry and scream at her. got a letter in the mail sent it to PayPal and all it said was that it wasn't to pay for products which if they called PayPal they would have told them that it was and hopefully explain the situation but no no one wants to help victims they just want to enable the scam artist to still XXXX of XXXX of dollars from who knows how many people. Irregardless, those payments were for items, that we're never received and the money just stolen. She's still online and doing it. We've noticed she finally stopped putting transferwise as a payment option. I wonder just how many people got fooled into using PayPal and their service, of which continue to enable her to steal? Not to mention the clause she re-iterated about how buyers have protection using these services since she's a merchant. I'm a victim of fraud, numerous people are victim to this very good scam artist. Do we even know if that's her name?! She took advantage and manipulated so many individuals, my friends, random strangers, and got them and myself to do, act, pay, or other actions of which allowed this criminal to steal, cheat, or do wrong to good people. .. Rather than, asking me for more evidence and saving 5 people from being victims or better the numerous people when they " investigated '', they chose to ignore me and not even bother to tell me what was going on, how I could help and if there were options! They seem to know policy or I'd hoped they did, the least they could have done was pointed me in a direction for help! This company after 12 years treated me like I was the fraud, they dug me into the ground with their attacks and lack of communication. They showed no decency in their continous, stressful and exhausting demands. They have no respect for the people they claim to sympathize for. Better yet, the money you make enabling criminals and HOLDING money in an account, providing debit cards, line of credits and more. My history dictates my good standing. It should not get confused with this case nor should I be continously harassed by you all for the same info over and over, when you've all agreed it was a fraud scam. I'm not going to keep making myself sick, calling over and over and answering repteateded accusations. What makes you think I can pay any of the money back when I've provided you proof it all went to the crook? Noone cared about the victims. Amazing because the woman always claimed to have breached her limits and that's what forced me to use worthless transferwise too. The worst consumed protection, along with XXXX and XXXX XXXX XXXX XXXX. Funny because my friends had no trouble filing chargebacks and disputes. I guess I'm the biggest victim of all ... yeah I got fooled and I pray one day these companies get their moment and get treated the same way I have! I have sooooo many pictures and messages. Everyone is trying to Cooperate, to provide evidence and continously still. Just ask. You could have everything you need to take this person down and prevent further victims ... ..but you ignored them ... wouldn't even listen to them ND worse make them forfeit money because they were told to file chargebacks with their banks and you refused to work with them. Shame on you!!! | ||||||
| 03/26/2022 | Yes |
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Web | Older American |
| I started using Venmo since XXXX. When I opened my own business in XXXX i also added a business account with them and its attached with my personal account. I never had any issue during last five years with them. I was started as an independent contractor untill I stepped up became a corporation everything was fine. On XX/XX/XXXX, i received few deposits from my clients in total of {$1400.00}. That was a tips and an advanced deposit from my client to book my service. Still on the same day, after i received several transfers i decided to spread some of my funds and cashing out the rest. So I transferred the amount of {$350.00} from personal Venmo acct to Business Venmo acct. It went through. And i had almost {$1100.00} left over on my personal. So I transferred the amount of {$500.00} to my personal Bank checking acct ( A ). I always used instant transfer service ever since. So venmo always charged me 1.5 % out of any amount ive requested to cash out. So that $ XXXX hit my bank in within a minutes. On the Next day which is XX/XX/XXXX ive decided to cash out the left over funds on my venmo acct in amount of {$580.00} but this time i was using a standard term which is free charges but it takes 1-3 days till hit my bank acct. That was my first time using standard term and as soon as I submitted, venmo gave me an estimated time the fund will hit my bank acct by XX/XX/XXXX. From there i went to my venmo business acct and also decided to cash out the funds of {$350.00} using a standard term ( free charges ) to be sent to my Bank under Business Checking acct that was already linked in to the venmo business. After I submitted, the screen saying exactly the same as the previous one. It takes 3 days till hit my bank as well as mentioned the completion transfer estimated is on XX/XX/XXXX. On XX/XX/XXXX afternoon, ive received an email from venmo saying that my acct was frozen. In order to unfreeze, i had to upload a gov identification document. So i hit the link to verified and take a picture of my state drivers license front and back and sent it right away. I was wondering why they need my document again which is ive been verified with them long time ago. XXXX Hours after the the submission i still didnt hear anything from them. XXXX hours after the first submission, i decided to re-upload my document but this time i added my US Passport to it perhaps could speed up the process to unfreeze my acct. After XXXX hours from the second submission i didnt hear anything so ive decided to contact them by phone. The agent was amazing and helpful, however she told me that i had to wait another XXXX business days because they claimed that my case is being reviewed by Account Specialist which is regular agent didnt have an access to contact them. After 5 days waiting and didnt received any respond ive decided to call them again. But this time i was being transferred to the supervisor. I explained her everything and she said she is going to escalate the issue with the account specialist and request to release any pending transfers. As soon as I hung up the phone, i received an email from the venmo account specialist. I was in-shock when i read the messages, it says that venmo has to deactivate my account permanently due to nature of activiry and they believed that i was violating the users agreement and the decision was firm under their sole discretion. And any pending funds will be available to cash out after up to 180 days. I was in shock for few minutes and couldnt believe what i was read. I feel that venmo harassed me and my heat temper went straight up. I was trying to explain him about what they believed was not right. But since they mentioned about sole discretion means i cant do anything. So i blew him tons of bad words to express my feelings at that moment. I tried to call again and spoke with different agent, again i also told her that the impact of their selfish sole discretion was my bank turned overdrawn because i was expecting the transfer from my venmo acct hit before the monthly automatic payment charges it. I also mentions that i was a father of three which is the oldest is only 7 years old. I kept my self working hard to feed my children and support my family. I added words perhaps they would re-consider but its all useless because they wont change the decisions. I assumed that i didnt deserved this. They accused me for breaching or inappropriate activity that violated the users agreement. And i replied If i was doing some sort of illegal activity, I wont be worried about losing {$930.00} that venmo held. Conclusion : I dont mind for the consequences such as closures or deactivate acct permanently even though i dont know what was the specific reason they thought i was violating. But please release my own money. Because that amount meant a lot to me and my family. Please see the attachment and match the dates on the top left. Also below is the explanation based on # Numbers : # 1. The first withdrawal of {$500.00} using the instant cash service with {$7.00} fee paid to venmo # 2. The secondary withdrawal of {$580.00} using a standard service ( free ) was actually initiated with the confirmation they sent by email. # 3. The third withdrawal of {$350.00} using a standard service ( free ) from my venmo business acct to Business Checking acct was also initiated and confirmed. # 4. The account frozen notice which is next day after transfers was requested also the day that the funds was supposed to hit each of personal and business bank acct. # 5. Two days after i uploaded first respond but didnt hear anything back. So i decided to sent them email and thats the responses. # 5.1 & 5.2 = The first thing i was received right after i hung up spoke with the venmo supervisor that she mentions she was going to escalate the issue with account specialist and will request to release my money ASAP. But thats the fact i received. # 6. That was shown {$0.00} for at least 7 days with one pending transfers on the first list and now it changed. i can see my money there but i cant send it nor i can cash it out. ( My question is, what does venmo waiting for till the money released to my bank acct ) that money from the job that ive been doing for the last two years not from scamming or any other illegal activities.. # 7. This is my Venmo Business acct still shown {$350.00} is transferring to my Business Checking acct but never arrived. I assumed this acct also has been impacted by the Sole Discretion power of The Lord Venmo. | ||||||
| 09/17/2020 | Yes |
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| This is the thread with PayPal : Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. If I can't help, I'll transfer your message to an agent. XXXX XXXX - PayPal Assistant My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please type need more help ''. How do I add money to my PayPal account? Do I need to verify my account before I can accept or withdrawal donations from my account? How do I change the name on my PayPal account? XXXX XXXX - PayPal Assistant My account had a fraudulent transaction for {$1000.00}. My account was switched from English to XXXX and the money was transferred to another PayPal account. XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX - PayPal Assistant Yes XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX XXXX - PayPal Assistant My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. XXXX XXXX ME Hello, XXXX! This is XXXX with PayPal Messaging Assistance and I'll be helping to resolve your account needs today. XXXX XXXX - XXXX ME PayPal doesnt know exactly how this occurred, when Account Take Over ( ATO ) occurs, its usually the result of accidentally clicking on a link to a fraudulent website and entering login credentials. The fraudster will capture this information and will sometimes use this information for malicious intent. More information about how this can happen and what you can do to prevent it from happening again can be found in PayPals Help Center. If you've already taken the necessary steps to secure your PayPal account and have regained access, your account is secure and no further action needed. However, after the {$1000.00} is in your PayPal account, you may either send the funds back to your bank account or you can keep it in your PayPal account balance and use it for making purchases or sending money. XXXX XXXX - XXXX ME This issue is now being worked with priority. Our Risk Product team is currently investigating how the fraudster managed to get access to the accounts. I apologize for any inconvenience and assure you that we are actively working to resolve the issue. XXXX XXXX - XXXX ME Feel free to reply whenever you're ready and we'll reply as soon as we can. Stay safe! XXXX XXXX - XXXX I want my {$1000.00} put back in my account ASAP! I am calling a lawyer tomorrow if this is not resolved today. I spent 2.5 hours of work time trying to reach you and resolve. I verified my account was hacked on XX/XX/20, language and phone contact changed. I have updated all security items and unlinked my bank. How do I safely take out the {$1000.00} in the account? XXXX XXXX ME Hi XXXX! My name is XXXX. I apologize for the inconvenience it had caused you. You can transfer the funds back to your bank/card since it is already available on your balance. ( XXiPhoneXX ) You can transfer money in your PayPal Cash account or PayPal Cash Plus account balance to a bank account linked to your PayPal account. Heres how : Log in to the PayPal Here app and tap Preferences ( button in the upper left corner ) Tap Profile and then tap PayPal Balance. Tap Transfer Funds. Select which bank account you would like to transfer the money in to. Enter the amount to be transferred and then tap Transfer. Tap Confirm. Tap Done. ( XXAndroidXX ) You can transfer money in your PayPal Cash account or PayPal Cash Plus account balance to a bank account linked to your PayPal account. Heres how : Log in to the PayPal Here app and tap Settings. Tap Profile and then tap PayPal Balance. Tap Transfer Funds. Select which bank account you would like to transfer the money in to. Enter the amount to be transferred and then tap Transfer. XXXX XXXX - XXXX XXXX Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. READ MY MESSAGE : MY BANK ACCOUNT WAS COMPROMISED BY PAYPAL. PAYPAL OWES ME {$1000.00} FROM A WITHDRAWAL ON XX/XX/20 TO ANOTHER PAYPAL ACCOUNT. THERE WERE TWO UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT TO PAYPAL ON XX/XX/20 AND XX/XX/20. PAYPAL SECURITY IS A JOKE. I WILL HAVE A LAWYER CONTACT YOU TOMORROW. I NEED THE {$1000.00} PAYPAL ALLOWED TO BE TRANSFERRED TO A XXXX ACCOUNT. THE INITIAL COMPROMISE WAS ON XX/XX/20 WHEN MY PAGE WAS SWITCHED TO FRENCH ( PER YOUR EXTREMELY POOR PHONECUSTOMER SERVICE CENTER ) I AM A NURSE. I AM NOT RICH. PROVIDE A REFUND OF MY {$1000.00} ASAP AND I WILL CLOSE MY ACCOUNT. WHERE IS THE FILE THAT WAS LOCATED IN THE MESSAGE CENTER THIS AFTERNOON? I HAVE FILED A COMPLAINT : XXXX : XXXX https : //www.consumerfinance.gov/complaint/ XXXX XXXX Timeline : XX/XX/20 : {$1000.00} unauthorized transaction from my XXXX account to PayPal XXXX Paypal customer service confirmed my account had a phone # added on this day and was switched from English to XXXX. XX/XX/20 : {$1000.00} " Instant withdrawal '' from my Paypal account to another Paypal account. Paypal customer service said it was to credit card for which I do not have possession. Another unauthorized {$1000.00} was transferred from my XXXX account to PayPal = {$2000.00} of unauthorized funds transferred from my XXXX account. There is currently {$1000.00} still in my PayPal account. I have had {$1000.00} of fraud incurred for which I need a refund by PayPal. | ||||||
| 09/27/2020 | Yes |
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| I have a PayPal card which is linked to a XXXX account. The profile includes my email address, a password, and a two-step verification process which texts a code to my cell phone as an additional precaution..a final step to access the account. Months ago, my phone was demolished in an automobile accident, and I have not had that phone number since that time. So, when I try to access the account now, I get through the first two steps : username and password. Then the automated system attempts to send a code to the old number XXXX XXXX XXXX XXXX. I have contacted paypal almost daily for the past month, trying to get them to update my phone number, because there is no way to do so on their automated system. The only way to update the phone number is to log in to your account, then update the number. I can not log into the account, because I do not have that phone anymore. I'm getting a total runaround from paypal, on the few times I have been in an online chat with a representative, they tell me that I am scheduled to receive a call back from a representative. However, they never do call me back. They've placed a limitation on my XXXX card so I no longer have access to the funds that go into that account. I have XXXX dollars on the paypal account which I am unable to access. My name is XXXX XXXX. My account user name on the account I'm having trouble with is XXXX. The phone that is linked to that account ( the phone I no longer have access to ) is XXXX XXXX XXXX XXXX. I am trying to update the phone number to my current number, which is XXXX XXXX XXXX XXXX. So essentially, they are trying to permanently deprive me of my money by not allowing me to update the phone number. Please call me. I need help. ( The following is a transcript of chats I've had with PayPay recently ) : Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. If I can't help, I'll transfer your message to an agent. XXXX XXXX - PayPal Assistant Hi. I would like nothing more than to talk to a representative XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX - PayPal Assistant Yes XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX XXXX - PayPal Assistant I want to send XXXX to XXXX. Also, I need to update my phone number on the XXXX account. The new number is XXXX XXXX XXXX DH Welcome to PayPal Messaging XXXX! Thank you for patiently waiting. I show that there's no funding source linked with this account, link your bank/card to make a payment. Further, I've sent you an email with the easy steps to reset your password for the other account. Please note, If you've activated 2 Factor authentication on your other account and don't have access to your phone number, you need to call us as we can't help you over message if you don't have access to the phone linked with your account. Please share the last two digits of your bank/card linked with your other account so that I can share more details with you. This is for validation purpose. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX - Durgesh I signed up for this new acct because I've been trying to reach someone who will help me with my other account, which is '' i '' XXXX ''. The password on that account is. XXXX ''. The phone number on the account is XXXX. That phone is no longer available to me, so I am unable to log in to my account. I need to update that number to XXXX, or XXXX. I was bilked out of XXXX dollars on a PayPal scam with a XXXX XXXX card. I am now reduced to this course of action sinc I'm unable to talk to anyone at PayPal. Tr I DON'T NEED TO CHANGE MY PASSWORD XXXX XXXX I need to talk to a person. I am going to drive from XXXX XXXX to XXXX XXXX or wherever you guys are I need the phone number on my other account updated I want to speak to a representative I want to talk to a living, breathing person. My phone number is XXXX. Call me before XXXX today or I'm on my way to PayPal headquarters at XXXX Call me now, if you're there. XXXX XXXX XXXX Hi! XXXX. looks like you are able to login successfully. XXXX XXXX - XXXX XXXX XXXX Heres how to add a phone number to your PayPal account : Click theSettings icon next to " Log out ''. Click the ( + ) Plus icon to the right of Phone. Add your phone number and click Add number. Heres how to update a phone number on your account : Click theSettings icon next to " Log out ''. Click Update to the right of your phone number. Make your changes and click Change Number. Heres how to remove a phone number from your account : Click theSettings icon next to " Log out ''. Click Delete beside the phone you want to delete. XXXX XXXX - XXXX XXXX I CAN'T XXXX LOG IN XXXX XXXX XXXX Here 's how to remove the limitation on your account : Go to the Resolution Center. Under 'Your account access is limited ', click Go to Account Limitations. Next to each step required to remove the limitation, click Resolve, and follow the steps to provide that information. If you complete these steps and your account remains limited, it might be because : We need additional information from you. We will send you an email to let you know exactly what information we need We have not finished our review of your case. We'll email you the results of our review XXXX XXXX - XXXX XXXX XXXX Are you getting an error message when you are trying to login? What seems to be blocking you? XXXX XXXX - XXXX XXXX The automated system is asking me to give them the six digit code after I put in my password I no longer have that phone on that account XXXX XXXX RN I see, may I please have a phone number so I can call you? XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX One of our account specialist will be giving you a call to help you with removing the limitation on your account within the day, please keep your line open. XXXX XXXX - XXXX XXXX Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. This conversation has been closed. Messages are available in the Message Center for 90 days from the day originally sent. If you would like a copy of any messages prior to that timeframe, please contact us. HELP CONTACT US SECURITY FEES | ||||||
| 06/26/2018 | Yes |
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| In XXXX I started a business and started accepting Paypal payments. My business is a XXXX XXXX XXXX that sells primarily with XXXXXXXX XXXX. We source our products from XXXX in XXXX for really low prices, and ship directly to the customers all across the world. We were able to find a very high quality wallet, that we got for a really good price, and it was very profitable. It was about a month into starting our business, we had tested around 60 products and found this wallet to be the most profitable. At the most, we sold up to 75 or so wallets a way. It was profiting me around {$500.00} a day or so. It was the first time In my life where I felt like I had really figured out something that could get me this good of a return. As I had been living paycheck to paycheck for years and it felt good to finally be successful with something. Quickly, because of Paypal and paypal alone, my business has slowed to grinding halt, as we can't order products, or pay for advertising, because Paypal is holding our money for 180 days. It all started when I tried withdrawing around {$1000.00} or so, as my balance was getting in the 2000-3000 range. I then received an email on XX/XX/XXXX, that my account was limited, that paypal was going to hold my money until I could send them some VERY personal information about myself and my business. I got a very long email that day asking for many things, I will attach the email in it's entirety. They wanted a whole host of information, my ID, my bank account statements for the last 6 months ( only been in business 3 months ), invoices for everything, and they showed me that they had submitted a hard inquiry to my credit, along with other things. They asked that I submit all this info to my paypal backoffice. I did so the very same day. They told me I needed to wait 3-4 business days. So I waited til the XXXX with no response, over 5 days! I then called them at XXXXXXXX XXXX on XX/XX/XXXX. The man ( didn't get his name ) told me he would escalate the issue to Paypal and they would make a decision very soon and I should be good to go. The very next day, on the XXXX of XX/XX/XXXX, I got an email that I will attach from Paypal saying they no longer wanted to do business with me, claiming I am high risk! They cited delivery timeframe ( which is clearly stated on my website, tracking numbers are also added straight into my paypal account so you can see what it shipped and delivered ), I had next to none ( 3 ) chargebacks in around 1000 or so orders. So my chargeback rate is super low compared to industry standards. They also cited overall processing volume ( too many orders too fast ), high risk industry ( it is not high risk, my customers get their products when they are supposed to and they are as described, and shown by my low chargeback rate and through our other channels like email and XXXX. Also they cited the financial assessment of my business contributed ( they decided they didn't like what my financials looked like, everything was as it was supposed to be ). And my credit report, as I have a XXXX credit score. This should not disqualify me from getting my money. They have no basis for their claims. And no proof. They are saying the decision is final and that they are going to hold {$6900.00} of my hard earned money for 180 days! They are also not allowing me to do business with them anymore, which is costing me money everyday. I replied to the email and they didn't respond. I can not afford to do it without Paypal, as many customers view the PP signal as a sign of trust, and are more willing to buy products online with Paypal. Around 75 % of my sales were through paypal. So needless to say, without Paypal, ( and you can only have 1 business account ), I can not afford to operate. This hold has basically put me out of business until I can get the account reinstated or get my money back. Every business needs capital and cash flow to grow and Paypal has taken that away from me by fraudulently claiming without proof that I'm violating their terms. I called them two more times after getting the email about my account being closed. I called them three times on XX/XX/XXXX. The first time I called at XXXXXXXX XXXX, and they said they were going to call me back in 45 minutes. They never called. After 2 more hours, at XXXXXXXX XXXX I contacted them and a woman who was very rude told me everyone has to deal with the 180 day hold, and that there was nothing she could do. She told me to call back after 45 days and they MIGHT let me have my money. She was not able to help. I called back again at XXXXXXXX XXXX to see if I could talk to someone who could help. A man talked to me this time, and told me no matter what I was going to have to wait for 180 days to get my money, and that there was nothing they could do to help me. After this, I sent another email on Friday the XXXX, respectfully asking that they release my money from holding and that I would contact you if they did not comply. I even offered to let them keep {$500.00} for chargeback purchases just in case. And that what they were doing was wrong and they they needed to return my money or I was going to seek help from different agencies. I gave them until the morning of the XXXX of XX/XX/XXXX, to respond to my requests. They emailed me back, a guy named XXXX, saying he was sorry for the trouble I'd been through, and that they were reviewing the account. That email from him came on the XXXX. I have since waited and now it's the XX/XX/XXXX with no response from Paypal after they said they were reviewing the account again ( after saying in another email that the decision was final ). This is a serious abuse of power by Paypal, and they are using their influence to shut down my business. They have already lost in court and have admitted that they do this to their customers and have had to pay millions in damages. Yet they continue to do it to people like myself. I have been told this is done to keep their cash reserves high, to keep their stock price higher with that information, and that they make interest off all the money they keep in holding.. So they are using my business profits to illegally profit off of my business by making interest and trying to make it seem like it's impossible to get the money back. This is a serious problem that thousands of people have had to deal with, and it needs to come to an end. I ask that they reinstate my account and they allow me to withdraw my money immediately. | ||||||
| 12/25/2020 | Yes |
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| I fell for a scam yesterday apparently on XXXX. There was a post to drop if you interested in getting money to comment on your XXXX XXXX or paypal information in the comments. I dropped my email in the comment and I got a XXXX message from someone named XXXX on XXXX. She sent the breakdown and sent {$100.00} and you will receive {$1200.00} in return within a few minutes. The lady I was chatting with on XXXX I believe her name was XXXX and she sent pictures of successfulXXXX XXXX and posts and messages from others that had gotten funds immediately. Well. I sent {$100.00} ( see the transactions below to where the money was sent on paypal ) so I could be blessed with {$1200.00} and that was a process. Then after I sent the money I get this email from XXXX : XXXX XXXXThu, XX/XX/XXXX, XXXX XXXX ( 18 hours ago ) tome {$250.00} is your tax payment fee and thats all you need to pay before your payment hit. And the {$200.00} will be refunded on your payment and youll get {$2000.00} in the next 3min after your payment is confirmed. The {$50.00} deducted is the government tax payment fee I replied back to the XXXX chat saying I did not have {$250.00} like that. So I sent {$50.00}. Then from there the person I was chatting with on XXXX ( XXXX I do believe her name was ) asked for my XXXX login credentials and ID and from there I can not get logged back into my account on XXXX. I have sent emails to the email provided in the paypal see the information below. I got responses back and text messages that they were refunding the money but it has not come to paypal account yet. See attached pictures. I filed a resolution on paypal and it was cancelled and I still have not received any refund back on my {$150.00}. I'd like to know what is going on and how to get this resolved to get my money back. I am on XXXX and I thought it was going to be a real thing but apparently these are people taking advantage of people, especially at the holidays. The paypal email address is saying they are trying to help but I am not seeing any funds coming to my paypal account.. I get an email this morning from the XXXX XXXX with the following emails between them and myself. ( no subject ) Inbox XXXX XXXX XXXX ( 7 hours ago ) tome From company pay we sorry to delay your payment please give us three days you will receive your payment dont be skeptical on this we have system error you will receive paid with {$1200.00} thanks you foryour understanding. XXXX XXXX XXXX ( 4 hours ago ) toXXXX No!! I want my money back of {$150.00}, crazy!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 4 hours ago ) tome We are sorry for delay your paymentwe are still working on it bc there are a lot of payment going onright now, You have to wait till your turn because company make the payment batches by batches youll need to be patience for like four day thanks for yourunderstanding XXXX XXXX XXXX ( 3 hours ago ) toXXXX No, I want a refund of my {$150.00} because this is all a scam!!! Once I gave my XXXX login credentials I got totally locked out of my account. I have no access to my XXXX account!! I'm on XXXX and that was the last of my money!!! The XXXX XXXX is getting reported!! I'm on XXXX and that was the last of my money I sent. I'm very frustrated!!!!! I'm sending you a PayPal request for my {$150.00} refund and if I don't have it soon, you are getting reported. Trying to scam people and at the holiday!!!! Totally insane!!!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You have nothing to lose on it youll got your payment within three dayAccept our Apologize XXXX XXXX XXXX ( 3 hours ago ) toXXXX That is not what I want!!! I want my money back today!!! TODAY!!!! I'm on XXXX and that was the last of my money!!!! I can't tell you how disappointed I am!!! If it's not refunded by XXXXtoday I'm contacting local investigation!!! Scamming people at the holidays and I wonder how many others you scammed!!!! I can't wait three days refund my money of {$150.00} now, today!!!! Or likeI said I'm contacting local investigation. In the meantime you are getting reported to XXXX. XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You just need to understand me clearly on thisYou will get your payment not your actual money we have get the payment ready for you but you need to wait so we can get the payment out for you XXXX XXXX XXXX ( 3 hours ago ) toXXXX This is the last time saying no I am not waiting!!!!! Today, XXXX!!! Point blank, period!!! I'm contacting investigation services!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You can contact any body then the company will defend their selfI have tried enough explaining to you XXXX XXXX XXXX ( 3 hours ago ) toXXXX You all don't even come up as a company. Send me links to your website and XXXX page. Bythe way whoever I was communicating with on XXXX about this ( XXXX ) once she took my Id and login in credentials I am locked out of my XXXX. I'm not happy about that either!!! Crazy insane!! Scamming people at the holiday!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) toXXXX Please send me your website and XXXX page.Also, send me the name of the lady I was chatting with on XXXX ( XXXX ) XXXX I don't know what these people are up too but conning people to get money from themselves. It's a scam and I would like every possible way to at least get my {$150.00} back, that is all I had and I thought I was really going to be blessing someone but apparently not. I need my money back ASAP. I have bills to pay and things to get. I am on XXXX income and highly upset and frustrated. So I need help.Also, the person I was communicating with on XXXX her name was XXXX -- -I believe whoever she was working with changed my XXXX password, email, and everything that I can not get logged back in on facebook.I don't know what kind of action needs to be done. I want my {$150.00} back with no ifs, ands, buts, maybe, wait 3 days, etc. Again, I am on XXXX and this was the last part of my money for the remainder of the month because I thought I was going to be blessed within five minutes. I want everyone involved in this scam to be under investigationand I want my money back. Transactions not refundedWe have been unable to provide any refund on the transactions listed.XX/XX/XXXXXXXX Sent- $ XXXXTransaction XXXXSeller informationXXXXXX/XX/XXXXXXXX Sent- $ XXXXTransaction XXXXSeller informationXXXX XXXX | ||||||
| 10/07/2022 | Yes |
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| On XX/XX/XXXX2022, I purchased a jade pendent from a seller though PayPal. Sellers name is XXXX. The item listed online in the pictures seller provided as pure fresh green without visible discoloration or stains. In the sellers description, he used language as Bright color Rare Color, Premium grade Very plump But, the actual item I received is a counterfeited item full of deep dark stains which is undeniable super low-grade stone, and totally not as described as in sellers listing pictures or descriptions. I then contacted PayPal and opened a case with case number XXXX XXXX XXXX - XXXX. On XX/XX/XXXX2022 PayPal informed me that the seller had agreed on full refund, and the full refund would be issued by PayPal after I return the item, also PayPal provided me the sellers return address. I returned the item as requested on XX/XX/XXXX, and uploaded the tracking number in my case in PayPal which is XXXX. The item was received by the seller on XX/XX/XXXX2022. It was delivered successfully. According to PayPals policy and agreement they indicated in the email between the 3 parties involved : PayPal, me and the seller, that once the conditions are met which are : I returned the item and the item is delivered by the address seller provided ( as the indication of arrival and reception ), the effect of full refund should be satisfied. But, PayPal had told me that if the item was lost during the XXXX XXXX XXXX, I would not be able to get my money back, which is contradictory to its policy. Then I contacted my bank XXXX bank for dispute on XX/XX/XXXX2022. And on XX/XX/XXXX2022, I was informed by XXXX that their investigation is not favor in me, due to PayPal 's refusal and evidence they presented. PayPal presented fraudulent and self-contradictory evidences with false claim as the return was never shipped out. PayPal used it as the reasoning for refusing return my payment when two tracking PayPal provided are obviously not matching ( The tracking showing on my shipping label uploaded to PayPal system on XX/XX/XXXX begins with XXXX, and the fraudulent tracking PayPal used as their primary evidence begins with XXXX ). PayPals refusal for issuing the full refund is breaching the contract according the obligation PayPal should fulfill in the dispute of transaction, also is acting as confederate of online intentional scam. As my primary bank XXXX, did not fulfill their due diligent to even notice the obvious wrong tracking PayPal is using for its ' claim. Now I am bearing the damage of being scammed due to PayPal failed to fulfill its obligation and intentionally failed to disclose the crucial information regarding the transaction as the result for misleading, and XXXX failed to fulfill due diligent as the requirement for investigation. Please help me get my money back, since I did not do anything wrong as a victim. I have followed the guidance PayPal provided and cooperated in the hope of resolving this matter. Also, upon agreement of full refund with PayPal and the seller. I have fulfilled my obligation of returning the item regarding the address listed on PayPals agreement. But, now I am the one bearing the economic damage on not having the item that I intended to purchase listed in seller 's pictures, or the {$2200.00}. Please reference the attached evidence for corresponding details mentioned above. Continue : Responding the documents that PayPal provided : 1. Regarding the tracking number presented by PayPal ( showing the label was created ) and comparing the tracking number on the shipping label I created. The number PayPal provided began with XXXX, but the actual number in the shipping label I bought also as evidence PayPal provided is beginning with XXXX. This self-contractionary is not accident, but intentional. In my evidence I presented, on XX/XX/XXXX I have uploaded the correct number in PayPals system ; which indicated that PayPal using a faulty tracking number as reasoning to support them not fulfill their obligation of returning my payment, is intentionally fraudulent. 2. PayPal also provided internal catalog of conversation on XX/XX/XXXX that seller claimed the item was not received or shipped on the same day. Please reference the official agreement that PayPal sent to me on the XX/XX/XXXX regarding condition for full refund and address for return. Also, in my evidence that on the same day XX/XX/XXXX, I have uploaded the tracking information in PayPal and the shipping label for return. And even in PayPals evidence of my shipping label included the time stamp supported my reasoning. For the international primary shipping the official estimate date from USPS is XXXX - 14 days. For PayPal exclusively presenting this faulty claim as their reasoning of refusal of fulfilling their obligation on the agreement between me, seller and PayPal on XX/XX/XXXX, is clear that PayPals intention here is not just breaching the contract, also proactively and intentionally be fraudulent and be part of the scamming activities. 3. Regarding the chat history the seller provided, there is not time stamps on any conversation, but any reasonable person read the content would see the content is about item inquiry and payment which happened before the item was shipped by the seller. Please reference the document attached that according to the seller in the chat and tracking imformation on XXXX, the item was shipped out on XX/XX/XXXX2022, and was received on XXXX/XXXX/2022. Also, please see all the only time stamp the seller provided is from XX/XX/XXXX to XXXX which are prier to the shipping date XXXX, which means all the conversation seller and PayPal presented was before seller even shipped out the item. This is totally irrelevant to the argument. No support to any reasoning for PayPals refusal of returning my payment. 4. All the evidence PayPal provided to back up its reasoning was after XXXX the date that the returned item was successfully delivered to the seller. This support the conclusion that PayPals intentional fraudulent act and intentionally breaches the contract for which it has failed to fulfill its obligation as the safeguard for online scamming activities. 5. Seller has relisted this item online as {$2700.00}. 6. All the information I provided is matter of fact and black and white. Through the truth, we can see how weak PayPals reasoning, claim is and how absurd the intention, motivation behind their illegal fraudulent act. | ||||||
| 12/07/2020 | Yes |
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| I opened a dispute case ( case number XXXX ) with Paypal in XX/XX/XXXX regarding the transaction discussed below. The transaction happened on XX/XX/XXXX, with an amount of {$190.00} and I was the buyer of the product. The merchant claimed itself to be a California company, located in XXXX XXXX, and had a 14-day return period. However, due to the duplicated transaction ( I purchased the item twice by mistake ), I had to return one. I contacted the company, and was informed that I had to ship it to XXXX to return. Given that the product was a very XXXX XXXX XXXX, the shipping to XXXX was quoted to be close to XXXX dollars. I called Paypal at the point, and the agent confirmed that the company was listed as a Californian company, so he opened a dispute for me. He also told me that if the company did not reply with a California address in 10 days, the case would be ruled in my favor. He also mentioned that even if it was not, I could always get my financial institution to dispute it. On XX/XX/XXXX, I was notified that the case was denied by PayPal through email. I called Paypal again at that point, and another agent changed the dispute for me, provided a temporary credit of {$190.00}, and told me to wait for another 10 days. When it was close to the end of the 14-day return period, and I still did not hear back from Paypal, I called my credit card ( XXXX card ) company, telling them about the issue and having them initiate an investigation. Immediately after my call, on XX/XX/XXXX, I received another email from PayPal notifying me that my case was denied again, and PayPal would request the provisional credit ( {$190.00} ) back, and post a negative balance on my PayPal account. Later on, my credit card company decided to rule in my favor after their investigation and issued me a refund. However, a few weeks later, I was notified by XXXX XXXX that PayPal posted its temporary credit through my XXXX, and therefore there was a refund from PayPal to me on my card statement, as a result they could not refund me -- so they took back their refund. Now on my credit card statement, there was the charge of XXXX from Paypal on XX/XX/XXXX, the temporary credit from Paypal of XXXX on XX/XX/XXXX, XXXX 's refund of {$190.00} and another charge from Paypal of XXXX at the end of XXXX, XXXX. At the same time, I have a negative balance of {$190.00} on PayPal. I called my credit card company and told them that PayPal did not actually issue a refund because PayPal took back the provisional credit and asked me to pay back the full amount in my PayPal account. XXXX 's reply was that they could not see this debit from their side ( because Palpal is requesting it through Paypal account, not through my credit card ), and they could only observe the temporary credit issued to me on my XXXX card by PayPal on XXXX, XXXX. They could not give me another refund if PayPal had already issued me a refund ( which Paypal did not, but XXXX couldn't see it from their end ). I called PayPal many times afterwards. None of the many agents I talked to could resolve the issue and I was told to write to the Chargeback department. I did so ( see email attached ), and informed them that XXXX card had put the {$190.00} refund back to the Paypal 's Chargeback account with them on XX/XX/XXXX ( XXXX card representative gave me this date on the phone ), and they should look for it there and issue me the refund. After I sent the email to Paypal 's chargeback department, all the replies I got are automatic replies in my Paypal account ( not through email ) stating that it would take them 90 business days to solve the case. Before 90 business days were over, I received a letter in the mail from a debt collector to collect the {$190.00} for Paypal. I called the debt collecting company and told them about the ongoing dispute, and they said they would take it back to Paypal. I did not hear back from either Paypal or the debt collector after that. Last week ( around XX/XX/XXXX ), I received another letter from a different debt collector to collect the same {$190.00} from Paypal. I called them to tell them about the dispute between Paypal and me, but they said Paypal had decided to take back that account from them, so they couldn't do anything at that point. Today ( XX/XX/XXXX ) I received an email from Papal telling me that they have sold the debt to XXXX XXXX XXXX XXXX and provided a phone number for me to call. I called the Paypal 's phone number listed in the email, the customer representative told me that she did not have access to my account, she could not tell me what department she worked for, and neither she or her supervisor could provide a phone number to a department within Paypal that could help me solve the dispute. In addition, she said that other than customer service and her department ( which she wouldn't reveal what department that was ), none of other Payal 's departments were working today due to the pandemic. Basically there is no one within Paypal that can look into the issue and resolve the disputed debt for over a year. The case was simple to begin with -- if Paypal could refund me as the very first agent promised ( as the merchant never got back to Paypal within 10 days after Paypal first reached out to them about my dispute ), there would be no negative balance on my account ; or, if Paypal decided not to refund me right away, my credit card company had ruled in my favor in their own investigation and would have issued me a refund. Paypal 's action to first issue a temporary credit to my credit card, and then take the credit back by posting a negative balance on my Paypal account leads to the current situation where I received no refund either from Paypal or my credit card company. Furthermore, they failed to resolve such a simple issue for over a year after I called and emailed them numerous times, never got in contact with me in person about this case within the 90 business days as they promised, and they transferred the debt to three different other debt collecting companies during the process. In XXXX, XXXX, they simply sent an email saying my dispute about unauthorized transaction was denied -- which was not even the issue of the dispute here. Toady, I realized that Paypal had closed my account with them, so I could not even obtain the automatic communications they sent me within my Paypal account. | ||||||
| 01/20/2021 | Yes |
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| In XX/XX/XXXX I started a small XXXX XXXX, which involved XXXX XXXX on the internet platform XXXX. At the time, and up until XX/XX/XXXX, PayPal INC was XXXX payment processor. Additionally, Paypal Inc was the only payment processor available to me, and from what I understand the only one available when merchants sell on XXXX. Interestingly enough, as of XX/XX/XXXX Paypal will no long be a payment processor for XXXX. XXXX is now doing their own payment processing, as I understand it. I was shocked, surprised, as well as delighted with my XXXX XXXX on XXXX. In general terms, things went great, lots of stuff was XXXX, and some exta money was made. ( I will say the name of the game is buy low sell high, and between second hand stores, and the brick and mortar retailers discounting new items for quicker sales, this money making hobby was ( I thought would be ) the textbook classic case of somebody falling into an industry by mistake enjoying it and planning to be there for a while. I feel it appropriate in this part of the synopsis to give some raw numbers of sales. In the several months that I XXXX I had approximately 125 transactions grossing approximately XXXX dollars. ( Personally, this was a very nice money making hobby, but comparatively this was not much at all. ) Being that the companies listed above, XXXX and PayPal, are both Internet and online-based companies they let it be very well known that they were interested in keeping their communities safe and secure. Both organizations verified with a degree of scrutiny my identification as well as what I was selling. XXXX conducted such verifications twice and were accommodating, communicative, transparent and helpful both times. That hoop that was required that I jump through came and went and was not vey taxing at all. On the other hand, Paypal during this short selling span did such verifications 4 times. Each time a verification was needed pertaining to my account such came with out notice, without warning, without cause ( that I could see on my end ) and came with a severe limitation on my money ( ie account ) with Paypal. The limitation each of those times included a freezing of my money and essential a halting of business until they completed a review of the information that they needed. Furthermore, each of these inquiries demanded answering and responding to repetitive questions that Paypal already had knowledge of. They would require statements for each transaction in my account where money was received. The reason that these statements were nonsense was that Paypal already ad record and the knowledge of where these amouts came from. ( IE they came from sales on XXXX which Paypal listed in the activity log next to each transaction. Regardless they still required me to write out ad answer each of inquires pertain to why the money was placed from another into my account. ( It was taxing and vey time consuming and wasteful due to the fact that they already had the information. ) More so they would ask questions that were not applicable and that they knew I could not answer. ( A popular one was an inquest into my supplier and back dated invoices from such suppliers. I dont and never had such suppliers. I was selling stuff that I accumulated over the years and that I came accross as I was out and about. ) On XX/XX/XXXX my account was PERMANANTLY limited by PayPal. Their general statement said that they couldnt offer services anymore because I was a risk. No other supporting statements were made. They cited their user agreement which in sum says that they can stop doing business with whomever and whenever they want. This Permutant limitation came with out notice, without warning, without cause ( that I could see on my end ) and came with an immediate freeze of all my funds. In short my XXXX hobby was abruptly lt halted and commerce ended. I immediately reached out to paypal for communication on this and 10 attempts thus far to talk to them have been met with silence and no answer ( at all they wont even respond._ ) I dont doubt that they use agreement gives them such abilities, beucase it is by them for them ; however, I am also aware of trade practices and business practices that are acceptable and those that are not acceptable. PayPal with all the limitations and all their inquiries and all their verification that they can still felt the need to promptly shut down my XXXX, abruptly pinch off any money flow that I had into my XXXX, and abruptly tell me that they were going to hold funds for 180 days starting from whatever point they determined. This was NOT REASONABLE, THIS WAS NOT APPROPRIATE AND THESE ACTIONS HAVE CERTAINLY CUASED ME DAMAGMES. Regardless, if they want to conduct their busiess like that so be it. However, there is currently issue with MY FUNDS THAT THEY STILL HAVE. Moving to the funds that they are holding for 180 days. this is NOT appropriate and its NOT reasonable because of the following : I have never had a charge back in and on any of the sales I transacted, Many of the dollars that they claim have could have risk of charge back are from customers who posted POSTIVE FEEDBACK about their buying experience with me. Due to the fact that the 180 day hold starts whenever they want it to. There will certainly be many transactions ( money at this point ) that will be older than 180 days in the account and unnecessarily being held. Paypal while cloaking themselves in their User Agreement and what it entitles them too or requires them to do ( paypal softly claims that they are required to hold for 180 days due to risk of charge back. ) fails to disclose that the regulations in the States and the National government state in general that they CAN hold the funds if chargeback is RESAONABLE. Obviously in this case it is not. There are several instances where aforementioned User Agreement manipulates that wording of laws and regulations to where they take the consumers protection and claim that the laws or regulations makes them do something. they do not act in good faith Tthey will not respond they will not communicate they basically say we have the right to do this goodbye PayPal I accept and welcome the severance of this business relationship. Paypal is dishonest and does not conduct themselves respectfully. However I do demand that paypal IMMEDIATELY give me my funds. | ||||||
| 02/18/2021 | Yes |
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| ISSUE : I'm unable to login into my account ever since I changed mobile phone numbers. The way they are set up - which NO other financial company does - you can not get help AT ALL unless you can authenticate into their system. Problem is, when you CAN NOT authenticate because of their poorly designed and flawed authentication system, YOU ARE LOCKED OUT. Goodnight! You're done, son! STEPS TO DUPLICATE 1. Change your mobile number with your mobile provider. You have no way of knowing in advance which number you will be assigned in your new area code, so it's not like you can give PayPal advanced notice or log into their system and add the new number while you still have the old one. It doesn't work that way. 2. Go to to paypal.com. 2. Enter your login credentials ( username and password ). 3. It accepts it, but wants to further verify your identity by sending a one-time code to your mobile phone. It lists the last three digits of your OLD number. 4. Obviously, you can't have it text your old number - it's now out of service ; so, click on the link below the " Continue '' button that reads, " Having trouble logging in? ". 5. It returns a screen that reads, " Quick security check. We just need some additional info to confirm it's you. Receive a text. Mobile [ it AGAIN lists your old mobile number showing the first digit of its area code and, this time, the last four digits of your old number. 6. At this point, you are done son. You have NO OTHER OPTIONS. No WAY TO LOGIN. They have you trapped in an endless, vain, and fruitless loop. 7. Okay, go ahead and try to call them. Once you get through the menu, it tells you that you can not speak to anyone. It tells you that you must first log into your account and use the Help Center. Yep. NOW ONTO MY RANT WITH MY NIGHTMARISH EXPERIENCE TRYING TO RESOLVE THIS ISSUE : They are REALLY THAT XXXX AND INCOMPETENT. I am not a mean person. I try to be nice and courteous with everyone. I'm really patient. They have successfully brought me to the edge of sanity, figuratively speaking. You have ZERO RECOURSE for help ; so, what are you to think? Yep. They are incompetent XXXX and they really aren't interested in helping you. They want your money. They do not care about customer service quality. Not one bit. Even the people of the phone in their credit dept show by their words and actions that they aren't willing to go the extra mile to help a valued customer ( okay, I guess I'm NOT valued by them ... but neither are you, really ). If I had been in their shoes, I would have taken my information and I would have hunted down the right people who had the power to solve my problem. Nope. Didn't care. I have tried EVERY back door I could to speak to a LIVE person willing to help me, including their credit division. They wouldn't help me. I've tried for a year now. The stress this has caused has been IMMENSE. Someone else, now, has my mobile number. They could actually get into my account. So, ironically, what they " call '' a security feature turns out to make a customer VERY INSECURE. Now, a gal in the credit dept said that I can click on " Having trouble logging in '' - and when it presents my old mobile number - I can click on an option to add another one. NOPE!!!!!!!!!! I was told to wait a few days and try again. NOPE!!!!!!! Meanwhile, I'm bebound and I'm in TERRIBLE BACK PAIN. This is TOO MUCH! My wife and parents are witnesses to the stress and trauma this has caused me. I should be able to access my account!!!!! I just want to close it at this point. My experience with PayPal has been SO BAD, that I NEVER, EVER want to deal with that incompetent company again. Honestly, at times, I felt like I was going to have a nervous breakdown because PayPal does not give a customer ANY WAY to resolve the issue - even to close the account - unless you can login. I'm not alone based on what I see online. I'm a techy guy. I have 30+ years in the XXXX and XXXX XXXX. I'm no XXXX when it comes to using technology. I've tried clearing browser caches, changing browsers, using their mobile app .... EVERYTHING. Then, a week ago, I received an email statement from PayPal ( which started this whole stressful ordeal when I got notifications from my bank of charges from PayPal that I did not recognize - kept coming for months with new charges ), they had a link in the message saying " Having troubles logging in? ". I tried it out of desparation - hoping that the company would finally get its act together and FIX their ridiculously flawed system. And, to my great surprise and incredible joy (!!!!! ), it offered me an opportunity to add another mobile number to my account. Mind you, it didn't log me in - it simply prompted me AFTER I provided my correct login credentials ( which always works ... it's the " security feature '' that wants to send a code to my old mobile number that always XXXX me ). However, my joy and exhultation ( literally ) was short lived. After it accepted and verified my " new '' mobile number ( which, by this time, I've had for a year now ) - rather than logging me into my account - it brought me to the login screen!!! Okay, I thought, this won't be a problem now because they have my new mobile number AND they verified it. Nope. Their incompetency just continues to go to lower depths. After successfully providing my login credentials, it wanted to verify me with a code sent to ... .. guess what (? ) .... MY OLD MOBILE NUMBER. It gave me NO OPTION to use the NEW number they had ALREADY ACCEPTED FROM ME just a few minutes ago. Oh my gosh!!! If this weren't happening to me, I would think this was a lie. But, no, it's my life with PayPal and my worst experience ever with a company 's technology. Man, I just want to close the account. Can't. I can't successfully get into my account so that I can use their Help tool. Oh, and by the way, YES!!!! I did send an email to their support email. I get their useless automated email telling me to log into my account and then get help from their Help Center. Really, it's that XXXX. I'm sorry, but these guys are XXXX. I'm shocked they've been able to remain in business. They need to fire whoever is in charge of their online experience and the person over customer service. AWFUL!!!! NIGHTMARE!!!! I'm not lying. It really is THAT BAD. | ||||||
| 11/30/2020 | Yes |
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| My complaint is about Venmo. I believe they have unfairly frozen my account for either some kind of technical glitch, or a basic app design flaw on their part, for which I have been blocked access to my own money to make vital payments. In XXXX of this year, I switched my checking account from XXXX XXXX XXXX to XXXX. On XX/XX/XXXX, I updated my bank account in the Venmo app and set the new XXXX checking account as my primary payment option. I've attached as " Email 1 '' a record of adding my new account to Venmo. As soon as the following day, I was using this account for payments and bank transfers when I received funds. I've attached the first verification of transferring funds as " Email 2 '' for reference. For three months, this was the default payment option and I made all payments to peers from this bank account, and received funds from peers that transferred to this bank account. On XX/XX/XXXX, I made a purchase through the XXXX app that had payment through Venmo as it's selected option. ( As an aside, I'm not exactly sure why this was my setting on XXXX. Perhaps because I had redownloaded the app and the payment got reset, for some reason, because I had been paying through a credit card for Seamless purchases ). For some reason, Venmo charged this purchase to my previous XXXX XXXX XXXX bank account, rather than the new XXXX account that I had added to my venmo account and selected as the default payment, which I had since closed. Typically, when you purchase something through Venmo, it will show you where the payment is coming from. I didn't get any such notification, perhaps because it had been purchased through the XXXX app. A week later ( during the same week I had been using my venmo account for peer to peer payments without issue, all through the XXXX account ), I got an email notification that the purchase had not been able to go through because it had been attempted to go through my XXXX XXXX XXXX account. I've attached this as " Email 3. '' Venmo notified me that my account had been frozen as a result of this. After receiving the email, I attempted to rectify the situation by having the payment go through my XXXX account. I couldn't immediately figure out how to resolve the issue because you can't do it through the app, you have to use the website, which was onerous, but nevertheless, I directed the payment to the proper account. However, my Venmo is still frozen, and remains frozen until the payment from XXXX XXXX which is already reflected in my bank account ) finalizes for Venmo. Now, here is my main complaint. Venmo is so ubiquitious now for payment, from paying friends back and splitting the dinner bill, to business transactions and paying rent, that being frozen out of your account and unable to access your own money is an extreme and legitimate hardship. It can be humiliating to tell a friend, " I can't pay you back immediately, because my Venmo account has been frozen. '' They will think that you are struggling to pay them, or must wait for the next paycheck. However in my case, the app was frozen because of poor explanation and/or poor design of the app on Venmo 's part. I wrote -- very angrily -- to Venmo, asking why this one purchase had been linked to my previous bank account, when I had updated all payments to go through my new XXXX bank account. They told me that this was my fault, that I had not gone to various merchants within the app and updated the payment in that place. Let 's look at the Venmo app ( at least as of today, when I took screenshots of the app ; perhaps there have been changes since XXXX XXXX. In " Screenshot # 1, '' we see the settings page in the app. A reasonable person would go to Payment Methods, add their new bank account, and delete their old bank account. You can see in " Screenshot # 2, '' again this is as of today, that I have this setting for my new XXXX bank account, and a credit card. One must also go to Backup Payment, you can see the settings in " Screenshot # 3, '' and can select your new bank as the default bank account, when the balance carried within the Venmo app would not cover the charge, which I did and you can see in " Screenshot # 4 '' has my Chase checking account selected as the default, which I did back in XXXX. So, a reasonable person would believe that they are all squared away, that all payments through Venmo would go through the XXXX account, and for three months they did, until the Seamless purchase. Upon writing to Venmo, they told me this error was my fault. That I needed to go to " XXXX XXXX, '' which you can also see in " Screenshot # 3, '' and updated separately my preferred payment method via the XXXX app. ( I have since disconnected any and all merchants from my Venmo app, so this mistake never happens again ). I would argue that a reasonable person, after updating their bank account and default back up account, would believe that they were all ready to go. That it is not intuitive, nor was it written out for me to see anywhere, that I would have to update separately an account for XXXX. I don't know why the default bank account would not just be the default bank account for everything. Venmo says this was my fault, and that I should have known better. In the meantime, I have been frozen out of my account, and remain frozen out of my account. The customer service people at Venmo refuse to unfreeze my account, and I remain unable to make important payments, without access to my own money. Furthermore, as I have made many, many payments now, over the months, through my updated XXXX account, I do not know why there should be a freeze until they can " validate '' the account. In fact, I had paid through Venmo and the XXXX account, only a day before I got the email about my account being frozen. I reason that Venmo was not clear enough in how to operate their app, if not being intentionally deceiving, and that freezing people out of their accounts, in how important ( perhaps unfortunately XXXX that Venmo is to people 's personal finances, is an overly harsh punishment for users, whose only mistake was to fall into Venmo 's own carefully laid traps, and had no reason to believe they had not taken every measure they were supposed to take to update their methods of payment. | ||||||
| 03/01/2021 | Yes |
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| Paypal refuses to close my account and seems to have initiated a lot of unusual actions against me regarding my account. It all started when I bought a XXXX cell phone from XXXX XXXX XXXX using Paypal and my XXXX card on XX/XX/XXXX for {$230.00}. Because Paypal touts purchase protection for the buyer, dispute resolution, and security protection for the buyer, and Protection you need, Peace of mind you deserve ( see XXXX XXXX XXXX for example, see also XXXX attached ), I decided to make this purchase using Paypal instead of directly with my credit card. The new phone worked fine for a while, but then on XX/XX/XXXX, the phone was no longer able to make or receive phone calls. I found this to be a serious issue as i ) sending and receiving phone calls is a basic and expected essential function of a smart phone and ii ) I am very concerned about missing important calls. I called my carrier XXXX XXXX at least 4 times to try to resolve this issue, and tried everything from resetting the network, confirming APN settings, restarting the phone, and factory resetting the phone and XXXX XXXX concluded to me that everything has been done to try to get the phone to work and that it is not compatible with the network, and urged me to try to get a refund. I then contacted the seller XXXX XXXX XXXX and they refused a refund or exchange by saying that their 30 day warranty had expired. I proceeded to open a dispute on XX/XX/XXXX ( Case ID : XXXX ) thru Paypal, and explicitly told i ) the 4 names of the people I worked with at Consumer Cellular to resolve this issue and ii ) that in doing so, that I previously tried factory resetting the phone and that the problem persisted. On XX/XX/XXXX, Paypal resolved this case by ruling against me in an email dated XX/XX/XXXX ( see XXXX attached ) by saying that I altered the phone and thus I can not get a refund. I found this to be disturbing and a mischaracterization of what I thought were the merits of the case because i ) I stated in my complaint with Paypal that I tried factory resetting the phone and the phone still could not send or receive calls and ii ) it is essentially impossible to use a phone without altering it because you need to program the APN settings and update the system in order to get the phone to work in the first place. It was like this decision by Paypal was telling me that anything I buy using Paypal and later dispute would be summarily ruled against me for this reason. Because Paypals decision on this case seemed like a mischaracterization of the merits of the case, I proceeded to open a dispute with XXXX XXXX ( case XXXX ) on XX/XX/XXXX thinking that I would get a more fair and just resolution. In doing so, XXXX XXXX issued me a temporary credit on XX/XX/XXXX for the {$230.00} amount. Paypal seemed to respond to this temporary credit by 1 ) restricting my account ( see XXXX attached ) and 2 ) by reopening the same case Case ID : XXXX that was previously resolved, this reopening of Case ID : XXXX was not with my consent ( see XXXX attached ). In doing so, I was no longer able to access my original argument I made to Paypal regarding the fact that I tried factory resetting the phone and the names of the people I worked with at XXXX XXXX. In opening my case with XXXX XXXX and in thinking it would be against the vendor XXXX XXXX XXXX, I was later dismayed to learn that it was not against XXXX XXXX XXXX but instead against Paypal. I was very disappointed that I would not be able to dispute this case with XXXX XXXX XXXX directly, especially after Paypals faulty decision. Worse yet, because my XXXX XXXX case issued me a temporary credit of {$230.00}, Paypal responded by freezing my account under the rationale that this temporary credit from XXXX XXXX with Paypal is an unauthorized transaction ( see XXXX and XXXX attached ). I again felt that this was yet another adverse mischaracterization made by Paypal and seemed to be an act of retaliation by Paypal against me. On XXXX XXXX, I talked to XXXX at XXXX XXXX and he urged me to get written evidence for my case. In doing so, I went to the manufacturer XXXX and received a written statement that XXXX had not yet officially released the phone in the U.S ( see XXXX ). I also went back to XXXX XXXX who directed me to websites at XXXX XXXX and XXXX to check the compatibility of my phone with the network using my IMEI number, and found it was incompatible with each of XXXX XXXX and XXXX. In fact, I found it was also incompatible with the XXXX XXXX too, making my phone incompatible with all 3 U.S. phone networks ( see XXXX, XXXX and XXXX attached )!!! I do not remember the vendor XXXX XXXX XXXX ever disclosing that this phone is not officially released in the U.S. and/or that it is incompatible with all 3 major U.S. carriers! In working with XXXX XXXX on XX/XX/XXXX, I noticed that the phone call functions had resumed on my phone and thus closed my case with XXXX XXXX on XX/XX/XXXX ( see XXXX attached ). Because I felt that Paypal had not lived up to their promises of Buyer Protection and Peace of Mind, because of what I felt was a pattern of mischaracterizations, bullying and retaliations against me, I asked numerous times in the period of XX/XX/XXXX to XX/XX/XXXX that Paypal close my account and end this bad and stressful chapter in my life ( see for example XXXX and XXXX ). As of XX/XX/XXXX, Paypal refuses saying they cant close my account because I have a case open from my XXXX XXXX, despite the fact that it was closed on XX/XX/XXXX ( see XXXX attached ). I used Paypal in my XX/XX/XXXX original purchase of my cell phone in large part because I detrimentally relied on Paypals purchase protection for the buyer, dispute resolution, and security protection for the buyer, and Protection you need, Peace of mind you deserve ( see XXXX XXXX XXXX for example as well as XXXX ). This turned out not to be the case and have instead felt bullied and intimidated by Paypals behavior. I have tried many times to end this relationship but Paypal wont let me. Instead of getting the buyer protection and peace of mind that they advertised, I instead got what seemed was a lot of stress and fuss, mischaracterizations of my dispute, retaliations and an inability to end this relationship. | ||||||
| 02/10/2019 | Yes |
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| I am a XXXX XXXX XXXX who was caught in the middle of a series of PayPal transactions gone bad - between my former CLIENT and a BUSINESS OWNER, to whom my CLIENT was contracted and providing my creative work. I was scammed by one or both of these parties, and have suffered tremendously as I've tried to figure out how to deal with the repercussions. During last summer of 2018, my CLIENT claimed that he wasn't able to use his PayPal account, and convinced me to process payments from a BUSINESS OWNER with whom he was contracted. He directed me to keep a portion of the transferred funds to pay for my design work, and then to deposit the rest into his business accounts. Looking back, it was not really a legitimate way to get paid - but at the time I trusted my CLIENT, who was very manipulative and convincing. I also knew that we were doing the work for this BUSINESS OWNER, and didn't anticipate the problems that would arise. There were 3 payments made by the BUSINESS OWNER through my PayPal account, between XXXX and XX/XX/2018, between 3-4 thousand dollars each. Out of each these payments, I only kept about one thousand dollars, to pay for my design services. The rest was deposited into my CLIENT 's business accounts, at his direction. I have documentation of all the creative work I did, the bank transfers, and my CLIENT 's conversations directing me to accept the payments and make the transfers. On XX/XX/2018 I received emails from PayPal stating that all 3 payments were being recalled by the BUSINESS OWNER, who opened claims with PayPal through his credit card company ( XXXX XXXX ). He claimed that he did not receive the work from my CLIENT, and wanted his money back. These claims immediately put my PayPal balance at - {$11000.00}, and has made me unable to use PayPal to process any transactions for my design services. I was completely shocked and contacted my CLIENT immediately, to find out what was going on. I never had any contact with the BUSINESS OWNER, as I was just a 3rd party XXXX who assumed that my CLIENT was providing the work, as he claimed. After I informed him of these claims against my account, my CLIENT assured me that he would provide documentation to prove that he provided the work. He also claimed that this BUSINESS OWNER was in financial trouble, and was trying to quickly recoup money by making these claims through PayPal against me. After several delays over the holidays ( which were completely ruined as a result of my distress over this situation ), I finally pushed my CLIENT for the proof he promised. He refused to cooperate, simply stated " No '' and wished me the best, abruptly cutting ties with me after a year of working together. Once again, I was left in shock ... The only documentation he ended up providing was his contract with the BUSINESS OWNER. This was no use to me, since I already had this contract on file, from when my CLIENT originally shared it with me ( to brag about this new account he acquired ). This proved my suspicion that he was lying to me about providing the documentation to help my case. He was stringing me along to get more work out of me. Without any supporting documentation from my CLIENT, I went through the PayPal resolution process, providing all the information I had on my end to prove that : 1 ) I was not a contracted party, nor responsible for delivering the work. 2 ) I had supplied all the creative work to my CLIENT, with the expectation that it was being delivered to the BUSINESS OWNER. 3 ) These payments and transfers were made at the direction of my CLIENT, who received most of the money. I made all the creative work available for download online and supplied a link, completely negating the BUSINESS OWNER 's claim that he didn't get any work. Also, I questioned why he would continue making payments for large amounts *THREE* times, if he didn't get his deliverables after the first payment! Unfortunately, XXXX XXXX has sided with the BUSINESS OWNER, despite the evidence proving that the legitimacy of his claims were questionable. Despite all my efforts to prove my innocence in this situation, PayPal 's position is that their hands are tied, since the chargeback was made through XXXX XXXX. Therefore, despite being the only honest person in this scenario, I am stuck with this debt, while the other two parties BOTH got their money! PayPal 's collections department has been calling me about this debt, and instead of avoiding them, I have confronted them about the situation and maintained that I have been ripped off. I have calls with PayPal 's representatives that I've recorded- where they admit that I was a victim of fraud, but that I am STILL responsible for this debt! It is truly outrageous that there is no recourse, other than paying this debt, for which I am not responsible. PayPal has suggested that I pay a minimal amount to keep the debt out of 3rd party collections, and to show " good faith ''. I will not pay a dime, and don't understand why I should be the one showing " good faith '' and paying this debt, when I am the victim of fraud! I have been using PayPal for years, and have never had another incident before this. I am an honest, XXXX XXXX just trying to make a modest living. My only fault in this matter is trusting a con-man, my former CLIENT. There is absolutely no protection from PayPal or the credit card companies for anyone who falls victim to fraudulent chargebacks or claims as a result of transactions involving " intangible goods, '' as my services apparently fall under. I am making this report because I feel like I have run out of options with dealing with these giant financial institutions, who allow this kind of unscrupulous & fraudulent activity to occur in their flawed systems. My hope is that the involvement of the federal government, and the CFPB in particular, will affect the way this kind of situation is handled in the future. I also hope that it results in more protections for those providing goods and services through online transactions. The buyers are not the only ones who can be victims of fraud. Thank you for the attention to this matter, and for hopefully helping to reach a resolution that is just and reasonable. | ||||||
| 06/10/2022 | Yes |
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Web | Older American, Servicemember |
| This complaint concerns PayPal , Inc. and its policy of impounding and sequestering customer funds and converting the funds to its own use without advance notice to or permission from the customer. I have been a PayPal user for XXXX years, signing up for the service in XXXX, a mere XXXX years after PayPal was founded in XXXX on the advice of a friend who was then working for PayPal. During that XXXX yearshundreds of transaction have passed through my account, including receipt of funds in amounts as large as {$20000.00} and more from my customers. In XX/XX/XXXX PayPal instituted a policy of impounding and sequestering money from user accounts if it " suspects '' that that a transaction may involve some sort of risk to PayPal. How it assesses that risk is a mystery. In its User Agreement under " Holds, Limitations, and Reserves '', PayPal states : " We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions .... We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. '' Here is how it is done : Based on its risk assessment, PayPal decides on a maximum amount that may be paid into an account by an account-owner 's customer. Any amount over this maximum is seized and impounded for 21 days. While it is impounded, Paypal uses the money for its own account, as it admits in its User Agreement : " PayPal ... combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments .... PayPal owns the interest or other earnings on these investments. '' How is the risk determined? We don't know. PayPal indicates three factors it considers : - New sellers or sellers who have limited selling activity. - Payments for higher-risk categories like electronics or tickets. - Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. But other factors play a part. PayPal identifies these factors only as " ... confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. '' I am a XXXX XXXX, not a high risk seller of electronics or tickets. I have been with PayPal for XXXX decades, so I am not a new seller with " limited selling activity. '' I have never had a dispute with a customer that affected PayPal in any way in my entire history of dealing with PayPal. So, if PayPal identified the complainant as involved in a " high risk '' transaction, they there is an obvious problem with the criteria by which PayPal assesses risk, whatever that secret criteria may be. PayPal places the funds limit restriction of a user 's account without notice to the user or an opportunity to appeal the limit. The first time a user finds out that a funds limits has been imposed is when his funds have already been impounded. Then and only then does PayPal reveal that there is a funds limit and the amount of that limit. In my case, the funds limit was {$5000.00} received in any one month. ( The term " month '' is not defined or explained. I don't know if it measn a calendar month, an arbitrary 30-day period or some other period. ) I found out about it only after PayPal had seized and impounded nearly {$1000.00}. I use that money to pay subcontractors and vendors, so not having access to the sequestered funds can be a real burden, virtually ensuring that at least some of my payments will be late. Had I known about the {$5000.00} funds limit in advance, I would have made arrangements for payment other than PayPal. My bank uses XXXX which is cheaper than PayPal although a little more trouble to use. The only option that PayPal gives me now is to go back to my customer and ask him to confirm to PayPal that the work he paid for is done and done satisfactorily. If I do this, PayPal says it will release the Impounded funds. Of course this request would immediately suggest to my customer that sometimes my work is not done or not done satisfactorily, otherwise why would PayPal be asking for such confirmation? This is not the sort of notion I wish to suggest to my customer, so I will not do anything so incredibly stupid. I respect the fact that PayPal needs to protect itself from unscrupulous users whose actions may costs PayPal money, but the company should do it the right way. First, it should notify users when a funds limit is placed on the user 's account and explain why it is being imposed. Not some general statement like " we have determined that you may be a risk '', but the specific risk factors that lead to its decision. Second, PayPal should institute an appeals process that permits a user to dispute the funds limit and provide information possibly unknown to PayPal that would suggest there is no substantial risk. No such process now exists. The only option PayPal now offers is requesting that the funds limit be raised -- not removed -- just raised. I tried that and it does not work. I never heard back from PayPal regarding my request for a raise. Third, if PayPal is going to impound and use my money for its own account, it should be paying me interest on the impounded funds. When I asked for specifics about why a limitation was placed on my account since I have none of the risk factors identified by PayPal, a spokesperson for the company informed me that despite the absence of such factors, there was still the " possibility '' of a problem with the transaction. Of course, there is a possibility. There is always a " possibility. '' And if the true criteria is that there is may be " possibility '' of a risk, then all PayPal user accounts should be funds-limited. They all have the " possibility '' of risk. I will keep my PayPal account. It's handy for buying stuff from XXXX and the like, but I will NEVER AGAIN take a customer payment through the company. I get a better deal from XXXX with no possibility of a funds impoundment without prior notice. | ||||||
| 11/23/2021 | Yes |
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| on XXXX I received a small transaction of {$2.00} from XXXX XXXX to may PayPal Account. This transaction was a rebate form XXXX for an item that I purchased. That same day I tried to transfer said balance from my PayPal account to my Checking account with XXXX XXXX Bank. ( I had added this bank account back to my profile after deleting it an unknown time ago. ) Immediately after submitting a transfer I received a notice from PayPal stating my transaction was under review and would take XXXX hours but then another notice I received stated it could take XXXX hours. PayPal does not provide phone support and I had to engage in conversation through their virtual message through their mobile application. I inquired at XXXX PDT as to why there was a XXXX hour hold on my account. They stated " it was for security purposes. '' When I asked why and what were the security concerns? I was informed that they could not disclose them for security reasons. I then instructed the agent to provide me with the legal departments information to contact and then to close my PayPal account. He refused both. On XXXX I received another payment this time of {$560.00} from Sell Shark. This money was from the sell of a smartphone I owned to a XXXX party reseller. Once again PayPal immediately froze the funds when I submitted to do a standard withdrawal from my account. For yet another " security review. '' Below is the attached conversation I had with the representative on XXXX. PayPal 's website will not allow for the printing of the conversations so I had to copay and paste it. Hi! I'm your PayPal XXXX. To get started, simply ask me a question. I am still learning, so if I can't help you, I'll direct you to additional resources. XXXX XXXX - PayPal XXXX XXXX is there a XXXX hour hold XXXX PM Do you need help with a pending payment? XXXX XXXX - PayPal XXXX XXXX XXXX PM Happy to help! Can you select the transaction you're looking for from this list? XXXX PM - PayPal XXXX XXXX ID : XXXX Amount : {$2.00} Date : XX/XX/2021 XXXX PM Your transfer for {$2.00} USD which you began on XX/XX/2021 has been delayed. To provide XXXX of the safest online payment services, our internal security system reviews every transaction before it's released. This type of review can happen for various reasons. For example, you may have received a higher-than-usual amount of money into your account, you may be logging in from an insecure network, or you may have made changes to your account settings recently. This transfer is under review for XXXX hours. Once the review is complete, your transfer should be processed normally and you will receive the money in your BANK within XXXX business days. Is there anything else I can help you with today? XXXX PM - PayPal Assistant Yes XXXX PM How may I assist you? XXXX XXXX - PayPal XXXX Speak to someone XXXX PM Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX - PayPal XXXX XXXX XXXX PM If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX PM - PayPal Assistant Transaction hold XXXX PM AA Hello there! My name is XXXX and I hope you are doing good. I appreciate your patience while waiting for my response. Please do not disconnect, and you will be notified as soon as I respond. XXXX XXXX - XXXX Can you tell me while there is a hold on my withdrawal, please? XXXX PM AA Apologies for the inconvenience caused. I understand you want to know why there is a hold on your withdrawal. Let me check and help you with this. XXXX, I do sense the urgency of this matter and this is really frustrating on your part, if I were on your shoes. I might feel the same way as well. As I have checked your account it seems like you're experiencing PayPal XXXX that could take up to XXXX hours. I do understand that you need your money right away, I also tried to expedite this for you but the system did not allow me to do so. I wish I could do more but my hands are tied. Feel free to reply at your convenience and XXXX of my colleagues will pick up on your conversation where we left off to provide any additional assistance that is requested. XXXX XXXX - XXXX XXXX I ask what caused the security hold? XXXX PM AA XXXX, I wish I could share a specific reason as why this attempt was kept on hold but due to security reason no one is allowed to see a specific reason or share the reason to customers. These are too confidential information which will help us to protect our customers account and privacy. I hope you will understand how important for us to protect your account and privacy. Feel free to reply at your convenience and XXXX of my colleagues will pick up on your conversation where we left off to provide any additional assistance that is requested. XXXX PM - Aurobinda Thats ridiculous. Close all my PayPal accounts. XXXX PM XXXX? Close my PayPal account. Also I will need the address to send legal summons to. If my money isnt in my account in XXXX hours. We will be going to small claims court. XXXX PM AA XXXX, I see that as there is a pending withdrawal in your PayPal account, we are unable to close your PayPal account. I would suggest you to wait for XXXX hours for the withdrawal to be completed and then you will be able to close this PayPal account. Protecting your account is our top priority. Therefore, whenever there is a transaction processed in your account, it will go under several security checkings to make sure that there are no future issues with this transaction. If our system suspects there could be some possible unauthorized activity then it will immediately block the charges to make sure that there are no unauthorized charges on our customers account. This is how our system is designed to protect our customers account. Feel free to reply at your convenience and XXXX of my colleagues will pick up on your conversation where we left off to provide any additional assistance that is requested. XXXX PM - Aurobinda Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. | ||||||
| 04/15/2020 | Yes |
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| Message Center New ACTIVE XXXX XXXX Customer Support Yes, I understand that it is a direct deposit. Messages are available in the Message Center for 90 days from the day originally sent. If you would like a copy of any messages prior to that timeframe, please contact us. PayPal Virtual AgentXXXX XXXX Hi! I'm PayPal 's Virtual Agent. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. If I can't help, I'll transfer your message to an agent. XXXX XXXX XXXX Where are the Stimulus funds should be deposited by now PayPal Virtual AgentXXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please type need more help ''. What is Funds Now and how does it work? What is FDIC insurance and how does it work? How do I set up Direct Deposit to receive the economic impact payment in my account with PayPal? XXXX XXXX XXXX Need more help PayPal Virtual AgentXXXX XXXX I can transfer this conversation to an agent. The estimated response time is a few hours. Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. After I transfer the conversation, you can close the window and come back to it when its convenient for you. When we respond, well send you a notification with a link to the Message Center where you can reply. Would you like to transfer this conversation to an agent? XXXX XXXX XXXX Yes PayPal Virtual AgentXXXX XXXX Please send us a detailed message below and an agent will respond as soon as possible. If you have a related transaction ID, date, and amount, please include it here. XXXX XXXX XXXX Stimulus checks have been released whats the hold up You are now connected to XXXX XXXX XXXX Thank you for contacting PayPal. My name is XXXX and Ill be assisting you with your concern today. If you already set up Direct Deposit to send your latest tax return to your PayPal Cash Plus account, and you don't have a negative balance on your account, you don't need to take any action. To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account. If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number. It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX I have full knowledge the stimulus is there, I hope PayPal is paying interest to millions of Americans that use this service to receive direct deposit. Besides the fact that its actually against FDIC regulation. You are now connected to XXXX XXXX XXXX Hi My name is XXXX and I'm going to help you! Please give me 2 minutes while I review your previous conversation. To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account. If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX You already know I have an account and card. PayPal is i paypal is dead wrong for having people wait unnecessarily out of pure greed and negligence hope theres an investigation and PayPal goes to top of list Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX XXXX XXXX XXXX Wheres the money????!!!! You are now connected to XXXX XXXX XXXX Hi XXXX Do you have reference ID for the deposit made to you by Stimulus? It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. Our agent will respond to your message within an hour. XXXX XXXX XXXX Ref id? Its direct deposit I plan to file a complaint with the FDIC its against the law to NOT deposit funds when theyve been there since last week actually XXXX XXXX XXXX The DOJ also needs to know about this You are now connected to XXXX XXXX XXXX XXXX???? XXXX XXXX expecting any such deposits will have to setup direct deposits with IRS by providing them PayPal Account and routing number. It will take 3 to 5 business days for the deposits to appear. Any additional question https : //www.irs.gov/coronavirus/economic-impact-payment-information-center XXXX XXXX XXXX I expect funds to be available no later than open of business XXXX XXXX CST XXXX XXXX Please refer to the above website XXXX XXXX XXXX Already did that If you notice the FIRST screen shot has my account number What? XXXX XXXX Then it will take 3 to 5 business days for the deposits to appear XXXX XXXX XXXX So PayPal has no answer? ITS DIRECT DEPOSIT Why will it take an additional 3-5 business days DIRECT DEPOSIT XXXX XXXX Please allow me 2-3 minutes while I check XXXX XXXX XXXX Its NOT a check Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX Yes, I understand that it is a direct deposit. XXXX XXXX XXXX So it is DIRECTLY deposited | ||||||
| 01/09/2018 | Yes |
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| I am not allowed to upload any documents that support my case due to their size. I have shrunk them as much as possible but it does n't help. I feel this may hurt my ability to fully plead my case since most disputes are decided on evidence. I have added everything your current system will allow here in words since even one tiny photo of her profile on dating websites is too large. PayPal Case I requested a refund from Paypal because I did not receive the services I requested. It was significantly different from what I requested, and from what the seller said I would receive. Initially, the service that I requested was for premarital surveillance and research showing actual photos and current proof if any, of infidelity of the designated individual. The seller said this would be done with physical and state of the art surveillance equipment and personal activity tracking. I sent the seller the information I already had on this individual, which included nearly all public information such as name, phone number, past photos, previous fianc, current occupation and mailing address in order for the seller to know exactly which person I was talking about and the detective could easily identify and locate her. I obtained this information myself as it is publicly available on the individuals social media profiles and websites where the detective retrieved it as well. The information I was charged for was a regurgitated list of the information that I had initially sent to the seller in order to locate the individual. The physical address the detective sent to me as XXXX XXXX is not accurate but it is the only piece of information the detective had that I didnt. However, I did not need that information and did not request it because she would soon move into our home. I am best friends with her fianc and live in his guest house. I should not be charged for information that I was already in possession of and that I dont want, need nor requested, and is even inaccurate. This work the detective did, does not require a professional. Anyone including myself could have gathered this for free in less than an hour on XXXX, XXXX and XXXX. After finding his fianc on three dating websites in XXXX XXXX, 11 months after becoming formally engaged, the website claimed XXXX XXXX was currently one of the most active and popular profiles, therefore, he wanted a detective to discreetly collect evidence of her activities and provide proof, if any of her infidelity. He was under the impression by XXXX that she is very shy and conservative, but her pics and posts paint a different picture. This was a great concern to XXXX as well as the entire family. In the report the seller sent to me, she states that some of her information is from XXXX. Well, 99.9 % is from XXXX, XXXX and XXXX as you can verify quickly on these same websites. If the subject in question is so in love with her fianc as stated by the detective, why is she one of the most active and popular profiles on dating websites as an engaged woman? Its obvious that the detective did not make an effort to provide the service needed /requested. That is not the physical surveillance service or tracking that I asked for or was told I would receive. Also, some of her information is flawed. I know the individuals fianc personally and his address is not even in the city where the sellers report claims. He states on XXXX that he lives in XXXX XXXX but in truth he lives in the main house and I rent his guest house in XXXX. I can prove this. The detective states that the fianc ( XXXX ) is from XXXX XXXX, however, he came to the states when he was XXXX years old from XXXX XXXX as it states on his public business website that the detective did not even visit or search for, and has since changed his name from XXXX XXXX XXXX to XXXX XXXX and is a naturalized citizen. I know his entire family, personally. I hired the detective due to the lack of English his family speaks. The report also does not include any current surveillance photos, it includes pictures and all information that I had already sent to the seller. The fact that the detective regurgitated the very information I sent her and added it to public information from social media accounts shows that the detective did not provide the investigation services that I had requested. She went so far as to block my email address so that I would not be able to address the issue with her, hoping I would accept her incompetence. The detective offered no evidence of any surveillance, current photos from observation of the subjects activities, or anything that a person couldnt find on popular social media in the report she sent to me. Furthermore, the fact that the detective refused my phone calls and blocked my email after I confronted her about using the information I originally gave her, not providing the services promised, requesting she either do a real investigation or return my money, is shady to say the least in any business and shows her true intentions. Businesses dont have the man power to block all of their unhappy customers and usually try to provide fair service and quality products. As this outcome was not what I had requested nor what the seller said I would get for the amount I paid, plus my evidence attached, I am sure you will agree that I am entitled to a full refund. She is on couch surfing to meet up with people and on 2 dating websites ( XXXX and XXXX are sister sites ) in XXXX XXXX while engaged to my friend. How did a detective not find this? She did NOT look or conduct the agreed upon service to discover any activities outside her social media on XXXX, XXXX and XXXX. She could not have spent more than an hour tops, with this case which she has had since XXXX XXXX, XXXX. In addition, when trying to discuss more about exactly what was going on with this case, the seller was uncooperative. Many questions went unanswered until payment was provided, including the question of what type of files I would receive as the proof I was looking for. I now understand why that detectives website does not give an opportunity to post any reviews. | ||||||
| 11/11/2020 | Yes |
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Web | Older American, Servicemember |
| I am filing a complaint against PayPal. I filed a dispute for a charge on my account and they assigned me case number XXXX and sent me a unsigned canned statement that they use to deny all disputes claiming they were denying my claim because of my PayPal payment history. By law when I file a dispute PayPal is required to contact the seller and make the seller provide documentation that I agreed to the charge. This is because they have to be able to document every charge placed on my account. That is their business PayPal refused to contact the seller or consider any of the information I provided and now there is a totally undocumented charge on my account. PayPal refuses to do anything about it. PayPal refused to allow me to cancel out on a deal after I found it fraudulent. What happened was I responded to an add on the internet to buy a meat thermometer. I was switched over to PayPal to log into my account in order to pay the merchant. I was switched back to the merchants website and instead of finding the web page where i could review the transaction invoice and then finalize and complete the order by hitting the submit button, I found a webpage the seller had set up where I now had to buy 2 before I could complete the order and I no longer wanted to deal with this seller. Rather than agree to buying 2 I turned off the computer so the order was never placed, it was cancelled. When I found out that this seller had charged my account anyway I disputed the charge. This is the reply that I received : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. Absolutely unbelievable! It is beyond stupid! After I had informed them that this seller had prevented me from completing the order they determined this seller can charge my account even though if I didn't order anything. My PayPal payment history has absolutely nothing to do with this transaction and that is the only thing they reviewed. They did not contact the seller. They did not review any documentation. Even thought I informed them that I never placed an order they determined there was no unauthorized use.. The only reason given to determine there was no unauthorized use is it is consistent with my PayPal payment history. They have review my case and determined that this dealer forcing me to buy 2 instead of one was no unauthorized use! By law they have to provide me a copy of the order before denying my dispute. There is now a totally undocumented charge on my account and they have determined was not unauthorized use. I have not even been provided with a receipt. PayPal can't document what they've determined PayPal is required by law to document every charge placed on my account and they made absolutely no attempt to document this charge! PayPal thinks they can bypass their responsibility to provide documentation merely by determining there was no unauthorized use and telling me that it is consistent with my PayPal payment history. This message is clear. PayPal completed their review and know it is unauthorized use. They think I should pay anyway because I paid for everything else. There is absolutely no documentation in this message and they are requiring me to pay for an undocumented fraudulent charge. With their XXXX statement " Based on our review, we found this transaction is consistent with your PayPal payment history '' they are giving themselves permission to commit fraud om me! No wonder there is not a name on the message. I wonder if somebody with a name will claim it pertains to this case and deny that it is a canned response to deny all disputes.. With this message PayPal entered into conspiracy to commit fraud against me and is supporting this merchant. The only reason they can provide of why I should pay this charge is my PayPal payment history. How pathetic is that for a major company? In their greed to support this fraudulent merchant they overlooked the fact that that in all disputes their first responsibility is to document the charge. Maybe they just thought they could pull it off because I am old! My PayPal payment history does provide me with the knowledge of how the PayPal system is designed to work and keep them from making such an XXXX out of themselves. By design, when making a purchase I am switched over to their website to log in and give the seller access to my account and then am switched back to the seller 's website so I can review that all of the billing is correct. The submit button is there and has to be activated before the order is complete. This stores the order on file. This prevents this fraudulent merchant from doing what he did. PayPal interfered and let him charge my account without my permission and has refused to correct it. It is too bad that PayPal thinks they can beat the system. I never activated the submit button, the order was never placed. the seller does not have any documentation.rge. PayPal knows this and that is the reason they never contacted the seller .PayPal has done nothing to review as they claim.. I never dreamed that PayPal would claim that I do not have a right to cancel a really bad and fraudulent deal but their response proves otherwise. I am XXXX XXXX XXXX, retired XXXX XXXX and with my PayPal payment history I do not deserve to be treated like this. I really don't think they should force me to pay an undocumented fraudulent charge on my account. PayPal has placed themselves in a position where they have to explain why they found there was no unauthorized use when the order was never placed, They have to explain why they never contacted the seller fo provide the required documentation. Then they have to explain what my PayPal payment history has to do with case number XXXX. Documentation is the name of the game and PayPal does not have any. This email message is it! If they were a decent company they would abide by our consumer protection laws instead of conspiring to commit fraud fraud against me with my fine PayPal payment history. | ||||||
| 09/09/2020 | Yes |
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| Summary : Purchased 2 products from US-based company but turns out the US-address is fake and the company has no staff or products in XXXX. They claimed on their website that ship with standard shipping within the US, but they actually ship from XXXX. Months later I only have 1 clearly used product, instead of the 2 new products I paid for. Seller refused to offer any refund until I filed a complaint with PayPal and then they only offer a refund if I return both products ( because they know I only received one ) and ship it to XXXX ( because they know the shipping will cost as much as the product I received so I would basically just end up paying {$100.00} for no products and receive no refund. ) Since PayPal refuse to honor their buyer protection, I'm trying to close my account with them, but they will not allow that unless I call them. It is not possible to call them at all right now, so basically I can not get help from them and I can not close my account with them - despite all the evidence is in my favor, and I had been a loyal PayPal customer for 10+ years ( if you count the account I had with them in XXXX ). I'm very disappointed in how poorly this whole thing has been handled. It does not seem logical or legal. Seller : XXXX ( via PayPal ) Invoice ID : XXXX PayPal Case ID : Case ID : XXXX Order amount : {$88.00} USD Refund requested : {$88.00} USD Case opened with PayPal on XX/XX/2020 I have tried to resolve this via email. According to their website ( which does not appear to work now ), they are a US-based company and ship within the US, but finally they admitted they " shipped '' from XXXX but conveniently can not provide any valid tracking reference or ETA for the order. Now they have stopped replying entirely. I have been asking them for weeks to cancel the order and refund my money. It is obvious that I will never see my order, and reading all the terrible reviews that have been posted since I placed my order it is very clear that this is scam company. XX/XX/2020 I made an order on XXXX 's website. They claim they are in Utah and that they use standard shipping within the US. I received an order confirmation on XX/XX/XXXX. I asked if I could get a status update on XX/XX/XXXX, since I didn't know if it had been shipped. I got a reply on XX/XX/XXXX that they had forgotten to ship the order but would do so now. I responded immediately, asking them to cancel the order so I could just buy the things in a store because I didn't have time to wait ( for what I thought would only be 3-5 days ). No response from the seller. On XX/XX/XXXX I followed up asking if they had cancelled my order, or if they shipped it anyway and if they shipped could they at least provide a tracking reference. Still no response from the seller. On XX/XX/XXXX I contacted them again, emailing all the possible email addresses I could find for XXXX and XXXX ( no idea who XXXX is but they sent me the order confirmation and all the email addresses for XXXX don't work, and their website was down at the time too ), demanding they confirm the order has been canceled and give a status on when I can receive my refund. On XX/XX/XXXX they finally reply saying " Really sorry, Due to the impact of the epidemic, global logistics will be delayed, your package is still in transit, we will refund {$2.00} for all the inconvenience bring to you. thanks for your patience. XXXX '' I replied that same day that this is the first I have heard about any need to ship something globally since they are a US-based company and claim to be shipping within the US. No response. On XX/XX/XXXX I contacted them again asking for the confirmation that they have cancelled the order and refunded my money. They replied the same day and for the first time provided a website and tracking number. The tracking number claimed the package was still in XXXX. I replied back to them that I wanted a return shipping label so I can return the package ( if it ever arrived ) and opened a case. Now we're just going around in circles ... XX/XX/2020 Half the order arrived after 2 months. There was only 1 bed, not 2 ( as ordered ). Also, the bed is clearly used ( it stinks and has dog hair on it ). I can't even give it away, and I don't even want to keep it inside as I'm sure it's covered in bugs and bacteria. It's disgusting. I want a full refund. I have been trying to resolve this with XXXX ( XXXX - where I ordered it from ), XXXX ( XXXX - where my PayPal payment apparently went I guess? ) and XXXX ( XXXX - who I have no idea who they are but have all my personal and order information so that's lovely that 3 different companies have all my info ). I could not get any response for weeks when I tried to find out if they had processed my order and then when I asked them to cancel the order, but now I'm answering 3 emails at least a day from all 3 email addresses about this 1 order ( all copy/paste e-mails because no one speaks English there ) for the past month and getting absolutely nowhere. I want to be able to block them, but I need my refund first. XX/XX/2020 Attached please find the complaint filed with the Internet Crime Complaint Center. This is the only receipt they provide you with when you file. I have not received any e-mail confirmation yet. I can provide the police report, conversation with seller and chat with PayPal ( as they do not answer their phones at all ). I just want my money back, to be able to block these fraudsters that are harassing me, and to close my account with PayPal since they have no interest in protecting buyers ( my personal information was shared with at least 3 entities by either XXXX or PayPal did absolutely nothing, so I am unclear why I need them for anything ). Since I bought these products, my email address has ended up on the dark web. I have had that email since around XXXX first started, but suddenly now it ends up on the dark web right after I placed my order with XXXX ... I could redact my personal information from the attachments, but why bother at this stage since PayPal and XXXX have broadcasted my information all over the world anyway. | ||||||
| 03/26/2019 | Yes |
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| On XX/XX/XXXX, I sold an XXXX XXXX Watch on XXXX for {$1600.00} to a XXXX XXXX XXXX XXXX from XXXX XXXX. The funds were transferred to my account and a hold was placed by PayPal as is standard procedure until item delieved. See Image 1 attached showing original transaction. On XX/XX/XXXX, I shipped the item with XXXX XXXX Mail Flat-rate box with the watch inside ( with proof via US Customs form given to me by XXXX ) with tracking number XXXX. See image 1 and image 1b attached. The package was delivered on XXXX XXXX at XXXX XXXX XXXX local time. Can be proved by typing tracking number above into XXXX tracking website. On Feburary XXXX at XXXX XXXX, I was notified via email from PayPal that the buyer had filed a claim against me that I shipped him an empty box. See image 2 attached that shows first contact from buyer claiming to receive an empty box. See image 3 from PayPal as first contact regarding a claim filed. On XX/XX/XXXX, at XXXX XXXX, I provided PayPal with the US customs form showing the item that was in the box. See image 4 attached showing email to PayPal providing evidence and image 4b as the actual US customs form. On XX/XX/XXXX at XXXX XXXX, PayPal decided the case in my favor. See image 5 attached On XX/XX/XXXX at XXXX XXXX, PayPal notified me via email that the case was reopened. They did not make me aware of why the case was re-opened. See image 6 and image 6b. On XX/XX/XXXX, I called PayPal to find out why the case was reopened. PayPal informed me at that time that the case was reopened because the buyer provided a police report that indicated the box was empty. I questioned how that could be possible and received no answer. PayPal asked if I had any additional information that could prove I shipped the item. I said I provided said evidence already with the customs form. I asked if I could provide anything else and they said any additional documents if I had them, I said I did not. On XX/XX/XXXX at XXXX XXXX, PayPal informed me via email that they decided in the buyers favor. See image 7 On Feburary XXXX, I contacted PayPal via phone to inquire why I was not covered by the PayPaXXXX seller protection policy, which states sellers have protection against " Items Not Received '' claims by buyers.I was informed that the case was decided in the buyers favor because of the police report. I was not given an answer as to why I was not receiving protection from a buyer claiming to have received an empty box. I explained that the additional information should have been considered from the US customs form and that is all I could provide. I was told that I should wait until Monday, XX/XX/XXXX to hear back from PayPal regarding my appeal of this decision. XX/XX/XXXX came and went and I did not hear from PayPal. Due to personal reasons ( which I am more than comfortable disclosing/explaining if necessary, but this is a lengthy explanation and I feel irrelevant. If this reason is relevant, please contact me ), I was delayed in following-up with PayPal regarding my case. I placed a phone call to follow-up with PayPal, who informed me that they had not heard from me after the decision, and the case was closed. This was not true, as I explained above, I contacted PayPal and explained that my evidence of shipment was in the US customs form and that should be more closely considered. At this time, PayPal informed me that they would open my appeal. On XX/XX/XXXX at XXXX XXXX, PayPal informed me via email that they were unable to grant my appeal of the case. See image 8 attached. On XX/XX/XXXX, I reached out to PayPal via email/paypal message to find out why I was not able to appeal the case. Despite asking numerous times why my evidence provided was insufficent and why seller protection did not apply, I was not given an answer and was simply told that the buyer provided sufficient evidence. It felt as if my evidence did not matter and was not considered. Furthermore, my confusion over the seller protection was completely ignored. See images 9, 9b, 10, and 10b attached. After numerous phone calls with PayPal, I finally was in contact with customer service via XXXX. On Friday XX/XX/XXXX at XXXX, I was informed by one XXXX on PayPal support 's verified XXXX account that " empty box '' claims by the buyers do not classify as " Item not Received '' because the buyer technically received an item ( the physical empty box ) and therefore seller protection did not apply. This information was not clearly stated in any form in the seller agreement or any user agreement that I agreed to or that I could find. I utilized PayPal as an exchange medium with the understanding that if a buyer claimed he received an empty box, I would be covered by seller protection because the buyer is claiming that he did not receive the item. See image 11a-11d attached. Despite the proof I feel I provided to meet the " Item Not Received '' clause in the seller protection ( with tracking number and US customs form ), PayPal informed me nearly a month later that because the buyer received a physical box, it could not be considered an " Item Not Received '' and would then be " Item Significantly Not As Described ''. This was not made clear to me upon agreeing to user terms when I opened my PayPal account and is extremely misleading in my opinion. PayPal 's User Agreement is freely available ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on the internet. There is no indication that the " Item Not Received '' clause is invalid if the buyer receives a box and claims that said box is empty. My understanding of " Item Not Received '' is that the buyer is claiming I did not ship him the item. While I will maintain under oath that I placed the watch into the box, I did so fully believing that PayPal would protect me if the buyer claimed that I shipped him an empty box. Not only is there ambiguity in PayPal 's user agreement, but I believe I fulfilled the requirements set forth in the " Item Not Received '' claim, met seller protection requirements, and proved I shipped the item. | ||||||
| 07/17/2019 | Yes |
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| PayPal illegally holding over {$8000.00} of revenue locked for 180 days. After having one limitation placed on my account where PayPal asked me for the following : - Proof of identity ( submitted my ID ) - Invoice from our manufacturer ( submitted a bulk invoice ) - Proof of fulfillment ( submitted all of the tracking details ) I waited for 7 days and got my limitation reviewed and my account restored. This happened on XX/XX/XXXX and my account restored on XX/XX/XXXX. On XX/XX/XXXX. I receive an email that my account has been limited yet again, this time they're asking only to get " Proof of fulfillment '' - which was submitted, and my account got locked and my money put on hold on XX/XX/XXXX. After reaching out to support I've learned that I wasn't even given the right to appeal, and a kind customer support agent filed a complaint in my name on that same date - with it being denied by the review team without any explanation ( I've also added that I'll be happy to make any documents/contracts/information they need available upon request to help them better understand my business, and all of the information provided to them was accurate, stamped and signed as well as truthful and law-abiding ) So here I am. After being discriminated and blocked without the right to appeal even if my PayPal account has been : 1 ) In excellent standing 2 ) No chargebacks EVER 3 ) Tracking links updated for all orders, everyday 4 ) No customer complaints whatsoever Since I passed my first limitation, and I was blocked after reviewing the 2nd limitation ( just asking for tracking numbers which were correct and provided asap ) I can only imagine that this was an action on behalf of PayPal to embezzle {$9000.00} and hold it for 180 days along with all their interest rates, fees and my revenue. Without the right to appeal, I will have to turn to the relevant legal entities to get my money released. COMPLETE TIMELINE OF THE EVENT : XX/XX/XXXX. - Opened a Business PayPal account to be used as a payment processor for my ecommerce business. Provided all of the information including ( but not limited to ) : - Personal ID, address, contacts - Business registration documentation - Proof of address - Tax ID 's XX/XX/XXXX. - PayPal account activated. Around the same date, some low revenue started going through PayPal every now and then XX/XX/XXXX. - We've opened our ecommerce store to the public and started a slow and steady climb to bring our revenue up. At the end of XX/XX/XXXX, our total revenue landed at around {$14000.00} I've kept checking in with PayPal customer support every week to make sure that they have all of the information they need, that my account is in good standing and to let them know that I will be happy to provide any docs to them upon request. Customer support kept assuring me that my account is in excellent standing and that everything is alright! XX/XX/XXXX. - I wake up to a limitation. My account has been limited and I can only receive or refund the money, without being able to withdraw. They've asked me to provide : - Proof of identity ( submitted my ID ) - Invoice from our manufacturer ( submitted a bulk invoice ) - Proof of fulfillment ( submitted all of the tracking details ) And I've also forwarded them my business model explanation ( standard ecomm - we buy, we store, we sell online and ship it from our/our partner 's warehouses ) along with some contracts and documents proving everything I've said as well as an open letter stating that I will happily provide all and any contracts, correspondence or documents regarding our company to them upon request to help them expedite and review the limitation. XX/XX/XXXX. - Account has been released and restored back. At this point there was around {$7000.00} that piled up over the course of the week, and I made a withdrawal to my back account. XX/XX/XXXX. - Account has been limited AGAIN. This time they're asking me to provide them with : - Proof of fulfillment ( submitted all of the tracking details ) XX/XX/XXXX. - Account frozen and money put on hold for 180 days without explanation or the right to appeal. I call customer support respectfully asking them to provide me with further information, and after having a chat with the customer support agent, they've told me that ( quote ) : " This is very strange. I have your account details here and this doesn't make any sense. Your case has been reviewed and account further limited without the right to appeal. I see that you've been approved before and that everything was cleared. I will personally put in an appeal in your name to the review team. I am not saying it happened or is the case here - but we all make mistakes sometimes. Again, I'm not saying that's the case. '' I've had no word from them since and my account is frozen and money on hold for the next 180 days without the right to appeal. I've sent out an email to every email address listed on PayPal 's site or other sources respectfully asking them to release my money, or I will have no choice but to file a complaint with the following agencies : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX The United States Federal Reserve The XXXX XXXX XXXX The California Office of the Attorney General The Washington State Office of the Attorney General The Florida Office of the Attorney General The Arizona Office of the Attorney General Again - I am respectfully requesting that the hold on my funds/account be released. I am not primarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I am no longer in need of PayPals services. My request is to have {$8.00} released to my bank account linked with/to my PayPal account. That being said I have no problem with and agree to leave a balance of {$1000.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to chargeback any future credit card disputes to my account. | ||||||
| 06/05/2023 | Yes |
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| By trade I, XXXX XXXX am a XXXX XXXX XXXX I recently signed up for Paypal in XX/XX/ in order to use its services for the storing and selling of Bitcoin. I initially sent XXXX BTC to the PayPal wallet which was received on XX/XX/XXXX at XXXX XXXX, then sold it in the Paypal wallet on XXXX XXXX XXXX XXXX receiving an amount of {$1200.00} after Paypal fees and then on the same day transferred it to my bank account. Initially things were going well but then things started to take a turn for the worse after I sent XXXX XXXX to the PayPal wallet which was received on XX/XX/XXXX at XXXXXXXX XXXX then sold it in the Paypal wallet on XX/XX/XXXX at XXXX receiving an amount of {$4300.00} after Paypal fees and then on the same day transferred it to my bank account. While my first two transactions were successfully transferred to my XXXX XXXX XXXX XXXX account listed on file, PayPal decided to put limitations on my account that kept me from being able to withdraw money from my Paypal account since they wanted me to verify my identity. This led to me having multiple calls with Paypal customer service representatives including managers regarding my situation. I was completely transparent with them explaining to them that I was a self-employed day trader that did NOT have nor owned a business and explained how I was using the Bitcoin wallet feature to sell my crypto and send it to my Credit Union . I then further asked if it would be better for me to register my account as a business account in order to show that I wanted to comply with Paypal 's terms and conditions in order to keep further problems from arising. The manager told me that the business account does NOT have access to a cryptocurrency wallet unlike the personal/consumer account and that it would be fine for me to continue using my account in its current conditions after I sent in the necessary proofs. Over the multiple calls that I had, NOT a single person, including managers said anything about how what I was doing would not be in compliance to the PayPal user agreement /terms and conditions of usage. Due to the specific information needed to prove my identity, I was not able to get all the information requested until XX/XX/XXXX but knowing this in advance I called Paypal and asked the rep to put a note on the account that I would be able to provide the final piece of information needed in XXXX. Then comes XX/XX/XXXX, I call over to Paypal and got a rep in the limitations department. I explained to the rep my situation and that I had the final piece of information needed to prove my identity. The customer representative then said that I did NOT need to send in anything else, that they could look me up in public records and then removed the last limitation from my account while I am on the phone. Being a bit suspicious about this, I then asked the customer representative if there is any turnaround time such as waiting a day or two before using my PayPal account to avoid another potential problem. The customer representative tells me that the limitation has been removed in real time and that I am free to use the PayPal account with none of the limitations I previously had immediately. I confirm this by logging into my account on the PayPal website and seeing that the banner that was around the top of the page telling me about the limitations had been removed. In my excitement that I finally could use my Paypal account again for Crypto after three weeks of waiting, I then sent XXXX BTC to the PayPal wallet which was received on XX/XX/XXXX at XXXX, then sold it in the Paypal wallet on XXXX XXXX, receiving an amount of {$5300.00} after PayPal fees and then on the same day transferred it to my bank account. So, I didn't think too much about this until I received an email from Paypal later in the day on XX/XX/XXXX saying " You can no longer do business with PayPal '' stating that I broke the user agreement but failing to provide an explanation of how I broke it in the email. In addition to that, Paypal also denied my recent request to withdraw {$5300.00} from my own account without my consent and then limitations were permanently put on my account to keep me from being able to send, receive or withdraw money from my account and that my funds would be held for 180 days. So, I called up Paypal in regards to this requesting a supervisor. The customer service representative advises me that there were still limitations on the account even after I was told previously that they were no longer any limitations on my account and that I broke the user agreement without explaining how I broke the user agreement. I explained the situation to them and they said that this would be escalated to the back office and that someone would contact me in five days time. I advised them if no one contacted me within that time-frame that I would consider taking legal action for Paypal illegally holding and preventing me from withdrawing my money from my account. Five days go by and I receive no emails and no one has attempted to contact me via phone call regarding the matter. I then on XX/XX/XXXX call in to speak with a manager. I explained the situation to the customer service representative who then promptly brings the supervisor XXXX ( Unsure if that's how he spells his name or not ) on the phone. After looking thru the various notes and hearing the explanation of the rep, XXXX explained that this was escalated to the back office, they still held to their decision to refuse to do business with me and that there was nothing he could do to get the money returned to me until after the 180 days had passed. I then advised XXXX that this was unacceptable and that I would be pursuing legal action against Paypal for illegally holding money in my account that does not belong to them. After doing some research on the subject, seeing that this is not the first time that this has happened in regards to Paypal and that a class action lawsuit recently resolved in XXXX of XXXX regarding this exact same issue. | ||||||
| 12/20/2022 | Yes |
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| XXXX, XXXX XXXX XXXX, the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence XXXX XXXX XXXX. XXXX, XXXX XXXX " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. XXXX XXXX, XX/XX/XXXX on XXXX, XXXX " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title XXXX XXXX. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. XXXX 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' XXXX Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title XXXX XXXX makes a statutory pledge of the United States government to payment of obligations and interest on the public debt XXXX XXXX {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve XXXX are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The XXXX does not give we, the people " rights. '' It forbids the government to ignore the " XXXX given Rights of the people, '' as seen in the XXXX Amendment : " The enumeration in the XXXX, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the XXXX Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the XXXX, are reserved to the XXXX respectively, or to the people '' It is a fact : Title XXXX XXXX further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' XXXX. XXXX XXXX XXXX Report ( a ) XXXX XXXX. On or before XX/XX/XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the XXXX XXXX XXXX and XXXX XXXX XXXX House XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX on- ( XXXX ) the Treasury XXXX public debt activities, and ( XXXX ) the operations of the Federal XXXX Bank XXXX For whatever reason we can associate with their actions and reasons they did so we XXXX benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the XXXX Amendment, XXXX, we need people to create credit instruments. We must also Accept For XXXX, the debt instruments/legal tender of the United States XXXX As long as the debt exists, the XXXX exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve XXXX ( XXXX 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation. As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by XXXX Treasury XXXX XXXX bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in XXXX ' own words : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to XXXX provisions of federal law. These hundreds of statutes delegate to the XXXX extraordinary power exercised by XXXX, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. '' XXXX report XXXX XX/XX/XXXX. XXXX. Therefore, and per the above, let the XXXX XXXX XXXX XXXX XXXX settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government thereby. Sent a coupon to said company for full amount of the debt. XXXX FS kept the payment and brought my credit score down. | ||||||
| 08/04/2020 | Yes |
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| I tried to make a payment with Venmo on XX/XX/XXXX to pay my rent that was due on XX/XX/XXXX. I had agreed with landlord to pay him with Venmo. My transaction could not get through even though I had not reached the maximum amount of money transferred per week yet. I made several requests on their chat lines. They kept using the same explanation which is that they have no idea why my transaction does not go through - see answer below. I asked whether I could complain on a phone line. They said that due to COVID ( weird excuse ) they no longer have a phone line available. I asked to escalate my case to a supervisor, and since then I have not received an explanation of why I cant transfer my rent with Venmo. Below is the explanation from the company : First conversation : Here is a transcript of your recent chat with Venmo ( ticket # XXXX XXXX. To add additional comments, reply to this email. XXXX XXXX XX/XX/2020, XXXX XX/XX/XXXX CDT Chat started : XXXX XXXX XXXX UTC ( XXXX XXXX ) XXXX XXXX : Hi! I cant send {$3800.00} to one of my friends why is this? ( XXXX XXXX ) Team Venmo : To make sure you see our response when an agent is available, please enable your push notifications for Venmo. On XXXX, you can enable your notifications by navigating to your phones Settings > Notifications > Venmo > Toggle on Allow Notifications. ( XXXX XXXX ) XXXX XXXX : Ok ( XXXX XXXX ) XXXX XXXX : Done ( XXXX XXXX ) *** XXXX XXXX joined the chat *** ( XXXX XXXX ) XXXX XXXX : Hi, thanks for contacting Venmo! I'm happy to help out. Please give me a moment while I take a look at your account. ( XXXX XXXX ) XXXX XXXX : It looks like your payment is being declined by our system. This generally happens because a transaction has raised a security flag. ( XXXX XXXX ) XXXX XX/XX/XXXX : This doesn't necessarily mean that you've done something wrong, as the declines are automated by our system. I'm very sorry about the inconvenience here, but at this time we are not able to override these declines. For security reasons, customer facing teams are not able to see the exact reason for the decline, but in some cases you may be able to try the payment again later. ( XXXX XXXX ) XXXX XXXX : If this is a time sensitive payment, we understand you may need to use a different payment processor, such as our parent company, PayPal. ( XXXX XXXX ) XXXX XXXX : Thanks but how can I fix this please? I want to be able to rely on Venmo for my payments so I need a reason why its not working ( XXXX XXXX ) XXXX XXXX : Is there a specific number I should call? ( XXXX XXXX ) XXXX XX/XX/XXXX : We unfortunately do not receive exact reasons for an internal risk decline. These declines are automated and in order to minimize risk, we are unable to override them. ( XXXX XXXX ) XXXX XX/XX/XXXX : Similar to how your bank evaluates your credit card transactions, Venmo has a robust risk platform which takes many factors into account when reviewing transactions. In this case, the risk scoring process declined this transaction. ( XXXX XXXX ) XXXX XXXX : This is absurd given the amount of money I have on my account to whom can I complain please? ( XXXX XXXX ) XXXX XXXX : When we say risk, were referring to transactions or behavior that could cause loss for Venmo or Venmo users. All financial activity ( online or offline ) inherently carries risk. ( XXXX XXXX ) XXXX XXXX : As a business, Venmos threshold for assuming risk on transactions is limited and in some cases, we will simply decline to process the payments. It does not mean youve done something wrong, and you may be able to make other payments going forward. ( XXXX XXXX ) XXXX XXXX : Thanks but I would still like to complain - is there a phone number I can call please? Otherwise I will have to contact the payment regulator ( XXXX XXXX ) XXXX XXXX : There is no ground to refuse this payment ( XXXX XXXX ) XXXX XXXX : So I need to know ( XXXX XXXX ) XXXX XXXX : Currently our phones are down due to XXXX ( XXXX XXXX ) XXXX XXXX : That is not an excuse - Venmo is owner by PayPal correct? ( XXXX XXXX ) XXXX XXXX : They our are parent company ( XXXX XXXX ) XXXX XXXX : I will send an official complain to PayPal and the regulator ( XXXX XXXX ) XXXX XXXX : are our* ( XXXX XXXX ) XXXX XXXX : Okay ( XXXX XX/XX/XXXX ) XXXX XXXX : Is there anything else I can answer for you? ( XXXX XXXX ) XXXX XXXX : XXXX how can I contact your complaints department please? ( XXXX XXXX ) XXXX XXXX : Currently our phones are down due to Covid-19 you can send an email at support@venmo.com ( XXXX XXXX ) XXXX XXXX : Is this the complaints department or a general email? I want to contact the complaints department please ( XXXX XXXX ) XXXX XXXX : We do not have a complaints department ( XXXX XXXX ) XXXX XXXX : So where do people send their complains? ( XXXX XXXX ) XXXX XXXX : Im sorry that we havent been able to come to a better resolution for your case. Id be happy to escalate your case to a supervisor for another look. Theyll follow up with you via email as soon as possible, typically within about an hour during our operating hours. ( XXXX XXXX ) *** XXXX XXXX left the chat *** Here is a transcript of your recent chat with Venmo ( ticket # XXXX XXXX. To add additional comments, reply to this email. XXXX XXXX ( Venmo ) XX/XX/2020, XXXX XXXX CDT Hello XXXX, XXXX here with Venmo support. I know the decline of your transaction can be a bit frustrating. I apologize for the experience here with this payment to your friend. As I wish there was more we can do here but the system generated decision cant be altered. We do not have an exact reason for this decline because this decision was automated by our system. If this is a time sensitive payment to your friend, you may want to consider a different payment processor such as our parent company PayPal. Your issue has been submitted as a complaint Thanks for contacting Venmo. Take care XXXX, XXXX XXXX | Venmo Support | ||||||
| 10/17/2022 | Yes |
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| Hello, I will refrain from stating my name but I am a XXXX XXXX on XXXX XXXX In XXXX with 15 years of service. Below are the details for my complaint to the CFPB with PayPal, which I have been using for nearly 8 years. I stated my military career because I want to show that I am retiring in 5 years and plan to become a XXXX and XXXX XXXX full time and having access to PayPal is going to be Very important in order to have a successful career as both. Currently my military pay is more than enough to sustain me but receiving payments for XXXX and XXXX on the side helps build my future careers while still maintaining a military career/lifestyle. Sunday, XXXX XX/XX/2022 my girlfriend and I had a conversation about her PayPal account being locked and her no longer being able to conduct business on PayPal. She sent me a screenshot of the email they sent her and this poses a problem for her because she is a XXXX on XXXX and uses PayPal as a medium through her XXXX software ( that almost every XXXX XXXX uses ) to receive donations from her viewers and followers. She has been doing XXXX for almost 4 years now and has never had a problem like this before. This is important because she had planned to start a XXXX later in the day for 12 hours and in order to do that she needed her PayPal account to be active in order to receive donations but PayPal wasnt going to on banned her. So I gave her my PayPal email so that she could use my active PayPal account in order to have a successful XXXX and be able to receive donations like she normally does from XXXX. So the XXXX began and immediately a user donated {$150.00} to my girlfriend through XXXX which went into my PayPal account. I received an email notification at XXXX EST From PayPal saying that XXXX XXXX transferred {$150.00} to my PayPal because that individual donated {$150.00} to my girlfriend for her XXXX. I received another email from PayPal immediately at XXXX following the previous email from PayPal stating as the title you can no longer do business with PayPal. Apparently I had broken their user agreement by receiving {$150.00} from somebody through a XXXX service that is legal. My PayPal is mainly used for now XXXX and also a means for people to transfer money or pay me for XXXX that I provide them. As I am also a XXXX XXXX and have been for eight years, it is a lot easier for people to pay digitally via XXXX XXXX XXXX, or PayPal for the services that I provide them when they receive a XXXX. Aside from the normal paying people back money or buying an XXXX for my cousin, my PayPal transactions are 100 % legal and normal. There is no fraud or suspicious activity related to my PayPal account. The only thing I can think of is that PayPal flagged my account for being associated with XXXX XXXX, the software program that my girlfriend uses to setup donations from her XXXX Mind you this is exactly what happened to her as well and all she does is use it for XXXX on XXXX. So today, Monday XXXX XX/XX/2022, I called PayPals customer service line, XXXX, at XXXX EST and put my phone number on a call back waitlist to able to speak to a representative. The wait time was between 2 1/2 hours to two hours and 48 minutes so I decided for them to call me back. At XXXX EST, I received a callback I was waiting for from PayPal. When I answered the phone I was prompted that this telephone Conversation may be recorded for training purposes. Upon connecting to a representative, XXXX ( she was unable to give me her employee ID due to it being against PayPal policy ) I informed her that I was also going to record a telephone conversation in order to provide it as evidence or supporting documentation with my complaint to the Consumer Financial Protection Bureau. Her response to that statement was a question of but what if i doesnt agree to this to which I explained why I was doing it and why it was pertinent. After hearing my reasoning we began our conversation. I wanted an inquiry as to why my account was banned for legal transactions. She pulled up my account and was only able to tell me about the email that was sent and my actual account transaction history. She explained that she has no knowledge or any information on why the band nor could she find any reason. She said she does not have access to that stuff and after hearing that inquired about being transferred to a higher headquarters or some sort of department that could tell me that, and her response was that there is no other department. After asking multiple times who makes that decision she told me that its the back office to which I immediately asked if I could speak with him and her response was no they dont except calls only way that that can happen is if she emails them on an internal email that I could not be CCed on. So I requested her to send the email and provide me some sort of tracking number or trouble ticket number to which she could neither provide nor give me a reason as to why they dont have that type of process in place. This whole thing just seems sketchy and completely illegal for PayPal to just do what they just did to me and my girlfriend and I am sure many other people. I would like my account to be Unbanned since I am only using it to earn money on a XXXX XXXX and also for my XXXX XXXX which are all legal. I would also like to have access to the funds in that account and be able to transfer them to my bank or return them to the people that something to me. I will attach copies of the emails that I received in the recording of my telephone conversation in the event that the CFPB can not gain access to the PayPal recording of our telephone conversation. Please help me I just want to be able to XXXX one day full-time and make money doing what I love as well as be a full-time XXXX XXXX and having PayPal is kind of a necessity since everyone uses it but also I find that this is completely unjust and that they have made a mistake. | ||||||
| 08/09/2021 | Yes |
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| I purchased digital account, from XXXX, which merchant 's descriptions says original email and original information of account will be provided to prevent account recovery. However, seller created another email and changed the information on the account being sold to make it seem like the details provided were the original ones. Days later after purchase, digital account that was provided at purchase was recovered by seller using the original email seller kept hidden that was not included in the purchase. I contacted digital account company, XXXX, immediately after receiving email notice of account recovery but chat support was offline as it occurred between XXXX XXXX Pacific Time. I selected the option for phone call and received a call few minutes later. XXXX XXXX requested details to help with recovery of compromised account and I provided information that was given to me during purchase to retrieve account back. Support rep was speaking with uncertainty and seem puzzled after informing of details and was requiring assistance from higher ups. I assume this is likely due to seller contacting them earlier to recover account and is causing confusion. After waiting 15 minutes for support working with the higher ups, I was informed provided email was not the original one and was asked if I have the original one. I responded that is the original one but they said to retrieve original email for further assistance and could not help any further until it was provided. I raised concern to merchant including their buyer 's protection for fraud and scam but ticket was immediately closed stating it was past their 14 days of insurance. Merchant did not do their due diligence in confirming original email and details that seller provided ; even though it was up listed and sold with description that original email and original details of account will be provided. I informed seller had no previous ratings and was likely a scammer but I put my faith in the wrong person, even if seller was from XXXX, a country notorious for scams, as the deal was too good to pass up on and I expected merchant to have a better buyer 's protection in place. I even included proof that seller was not on account since it was sold until the same time when account was compromised. I immediately escalated to PayPal and disputed purchase as Item was not received since merchant did not provide further assistance with the scam. Original case was opened as Item was not received, but it was in between that and Item significantly not as described as I did receive it for a few days but digital item was compromised by seller and I no longer have what I purchased or any remnants of it. The digital item that was provided was not as described as the account did not provide the original details that it was up listed for. I confirmed that with the company of that account, XXXX, themselves and I reached out to seller to provide official proof from XXXX XXXX that account details were the original one but seller avoided the question multiple times The claim was closed stating documentation regarding a credit was not received. I thought nothing much of it then since I did not upload much documents as I was expecting the review would reach back out to me if further information was needed. However it was closed a little XXXX XXXX PT without asking for any additional input from my end. I could not reach out to PayPal for assistance until the following day since support was closed for the day. The next morning, I contacted PayPal and spoke with XXXX. I was informed this XXXX had the longest violation happening on their end and would eventually be kicked off PayPal services. XXXX had this case reopened and it was already prioritized due to the large amount. She informed a special back office team was working on this XXXX. She assured me saying I was receiving the best resolution for this case. I was informed I would be notified of any update on this case through email. After the call, I uploaded a lot of additional information to the claim to further support my dispute. However, the claim was closed again on Saturday little before XXXX XXXX Pacific Time. It was again closed for the same exact reason of not receiving documentation that credit was due. At this point, I was a bit astounded by the closing notes. It was not changed at all compared to the last time it was closed. I was not updated a single time or asked for further details. The claim was closed with an inconclusive and broad resolution. The timing was odd too when it closed on Saturday XXXX XXXX since I could not reach out to support until the following Monday. Not only was this claim closed during times where it made it difficult to contact support for further assistance, but it was closed with the same generic statement without asking for further information on my end. I found this particularly strange. I don't see why I would be due a credit since that is the reason why I am filing a dispute in the first place. Along with not receiving any updates or requests to provide further information. I contacted PayPal again on Monday morning and spoke with XXXX. She provided me with brief details of the case that it was closed in the Merchant 's favor since Merchant provided proof of delivery via Tracking. However, the Tracking the Merchant provided is not a tracking at all but an order number. She informed me she could not work on the case since it got worked on by the back office team and to further dispute it with my card issuer, XXXX XXXX, which I will be in contact with. The claim was closed by the back office team twice with generic closing notes ; without any update sent to me during late hours where I could not reach out to support until the following business day. I find this timing awfully strange and speculate a possibility that a few individuals in PayPal may be in collusion with Merchant, XXXX. | ||||||
| 04/20/2020 | Yes |
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| I went into contract with XXXX XXXX, owner of XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. I sent him a deposit to begin work on my application would should have span over a course of 3 months as stated in the contract. As the 3 month mark approached, my app was nowhere near ready for testing or launch. I'm in tech, so I understand that there are delays in the development process at times. I did, however, have to constantly express my disappointment in a lack of response and consistent communication about the progress of the app. As we continued, and the app seemed to make little progress, I continued making my payments, eventhough the contract was breached ( which I brought to the merchant 's attention ). Due to the fact that XXXX was very unresponsive throughout the process, I began working directly with his development team lead. This was in XXXX. We removed XXXX from our communication as it seemed as though information was not being communicated clearly by XXXX. On XX/XX/XXXX, the lead developer working on my application ( who has a separate agreement with the merchant ), explained that he was not getting paid and so therefore certain features we spoke about would not be included in my application. He also mentioned that my project might not get finished due to him not receiving funds from XXXX. We had a long 3 hour conversation about how XXXX poorly ran his business. The Lead explained that because of the shortage he had to pay his team out of his pocket just to work on my app and it was putting a strain on his home life. On XX/XX/XXXX @ XXXX XXXX EST I sent XXXX a bunch of texts explaining that we needed to have an urgent conversation. XXXX did not respond until the next day XX/XX/XXXX @ XXXX EST saying " everything we discussed remains the same. nothing has changed since our last conversation ''. Our last conversation consisted of us going over the apps and their features ( this included a social media and marketplace all in one app for the agreed upon {$7500.00}. He also mentioned that the Lead developer " doesn't know how he gets his money, he's just paid ''. This seemed a little odd, but I trusted him. Once the Covid-19 pandemic landed and shifted all businesses to work remotes, I followed up with XXXX of XXXX XXXX XXXX to understand if business would be impacted. We were so behind already, I wanted to know the status of work. I knew he wouldn't update his customers because his communicate was poor so I took it upon myself reach out. I reached out via text on XX/XX/XXXX, asking if the team would continue the project, given the recent changes to the project discussed with the Merchant. I received no response. On Friday XX/XX/XXXX I followed up again and did not receive a response from the Merchant. On Monday XX/XX/XXXX, I had a call with the Lead developer who was creating the product and they said they hadnt spoken to the Merchant in over a month nor had they been paid for their services. They informed me that my project would be terminated unless I was willing to pay an additional {$100000.00} to cover their losses in their dealings with XXXX XXXX XXXX. I reached out to XXXX after speaking with the lead, asking for additional information. I reached out via text, XXXX, XXXX call and audio. The Merchant finally responded saying hed give me a refund but could not and would not disclose when Id be refunded. After speaking with the lead who was developing the app, they mentioned on XX/XX/XXXX that they have not been paid by XXXX and therefore would terminate any further development on my app until the Merchant paid them what they were owed. They encouraged me to reach out to XXXX to see if I could somehow convince him to pay them so that work could continue. They also encouraged me to sue him for his poor business practices. XX/XX/XXXX at XXXX I sent a text to XXXX XXXX I continued texting him with no response. It was not until XXXX that I received correspondence from XXXX stating that he had a family emergency, which is why he has not gotten back to me. I would have understood had the Merchant not used excuses in the past for his poor communication with me throughout the lifecycle of the project. I informed him that all work should cease on the project and requested a refund. XXXX mentioned hed call me to discuss. I asked when and he stated he could not give me a date or time. I requested that he just send me my funds instead of having a formal call. After cursing at me via text for not being sympathetic to his current excuse, he agreed to give me a refund but could not and would not provide a date in which Id be refunded. The Merchant proceeded to block me on XXXX, XXXX, and text. Therefore leaving me no way to get in contact with him ( this was all due to me requesting a refund ). I proceeded to create disputes on the payment platforms in which I paid XXXX, on time, monthly, in hopes that I would receive some of the money I paid. I have had to retained an attorney who has since sent a Demand letter out to the Merchant requesting a full refund of all funds.. I also do not have a product or the code for the app that was in development, nor do I want it. The merchant also mentioned that he's since had another team develop my app. This was NOT in our agreement. I have disputed my claims with Paypal which is where most of the transactions occurred. I paid {$500.00} every month ON TIME since XXXX and I have nothing to show for it. I created a claim on Paypal and they denied my claim immediately. After getting in touch with a claims specialist, they mentioned that I entered the wrong reason for the claim and I should update it. However, I am unable to do so, and there are no reps to help me so my hands are tied. All i want is a full refund and I'll be good to go. I have copies of my texts with the merchant, copy of my demand letter from my attorney, and a copy of the breached contract | ||||||
| 04/12/2018 | Yes |
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| Made purchases from online seller, XXXX transactions. Seller shipped things out at once, not as purchased. So she may have put things from one order in 3 different envelopes. She did not put a packing label in envelopes, nor were items labeled. I did not receive 3 packages that I am owed. I made contact with this person 7 times between midXX/XX/XXXXandXX/XX/XXXX to be told items were held up in customs, returned, sent again, and held up again. XX/XX/XXXX I opened a PayPal dispute about said items. Seller was in communication with me and was to replace the items, but when she started replacing some of the items, they were poorly made ( photo prop clothing ) suspender straps were not cut, button holes missing, legs cut different lengths or one smaller than the other. When I touched base with seller next, informed her I wanted a refund for clothes that were not as described when purchased, and for clothing items I have not received. She then told PayPal she shipped me everything. This person was not able to provide me with shipping information any of the times I asked, yet sending from XXXX a customs document had to be filled out every time .She also admitted through XXXX XXXX that she was going to send me the items, and that one item she did not have the material to make and needed to refund me. Despite all of this, PayPal keeps deciding in the sellers favor saying seller shipped items, yet the cant provide me with copies of shipping information. Also, despite sending photos of the " damaged '' clothing, and copies of messages back and forth proving some items were to be approved before I received them, they give reasons as this : After careful consideration, we're unable to decide this claim in your favor at this time. The documentation you provided didn't follow the guidelines. Supporting documentation must be from an unbiased third party and on letterhead that includes adequate contact information. What information am I to provide from a third party who is unbiased. I have provided photos of the horribly made items, and documents from her showing she was going to replace these items. I am not asking for a full refund, just partial. Their " PayPal protection when you purchase good '' is a joke, I am not getting any help from them. I have called in and the people in the dispute department have said they understand and agree with me, they put notes, and even my phone number in there yet the appeals people keep denying it. I feel like I have been treated as a criminal having to prove my innocence in this and they decided I was guilty, and they person overseas, whom I have provided plenty of paperwork on is getting away with stealing my money. PayPals policy states : PayPals Purchase Protection program may apply when you encounter these specific problems with a transaction : You didnt receive your item from a seller ( referred to as an Item Not Received claim ), or You received an item, but the item isnt what you ordered ( referred to as a Significantly Not as Described claim ). Item Not Received claims Your claim will not qualify for a refund under PayPals Purchase Protection program for an Item Not Received claim, if : You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a sellers store location, or PayPal has adequate proof from the seller indicating that the item was delivered or order was fulfilled. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you did not receive the goods. Significantly Not as Described claims To qualify for Purchase Protection as a Significantly Not as Described claim, the item must be materially different from the sellers description of the item. The following claims will qualify as a Significantly Not as Described claim : You received a completely different item. For example, you purchased a book and received a DVD or an empty box. The condition of the item was misrepresented. For example, the item was described as new but the item was used. The item was advertised as authentic but is not authentic ( i.e. counterfeit ). The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. You purchased a set of three items but only received two. The item was damaged during shipment. By their own policy, it states that I should qualify for a refund. They did not provide oriif that this was delivered to my home, they cited seller rescinded that items were shipped. How is that proof under their own policy. Nor does their policy say I must file a report with the local police department in order to qualify. Its not a large amount of money and I don think she intentionally did it at first I think she forgot and got confused. Below are the transaction information as well as the amount I was asking for a refund for for items not received and/or items received that were different that the items described : Trans. # XXXX- XX/XX/XXXX {$210.00} - missing 3 items, 2 not as described. Trans # XXXX- XX/XX/XXXX {$380.00} - missing 1 item, 3 recv. not as described Trans # XXXX- XX/XX/XXXX{$170.00} - missing 1 item, 1 recv. not as described Trans # XXXX-XX/XX/XXXX {$230.00} - missing 3 items Trans # XXXX- XX/XX/XXXX{$160.00} - missing 1 item - Trans # XXXXXX/XX/XXXX{$140.00} 2 items received not as described This woman did not even know some of her own items as for example I purchased a two toned blue and green romper ( boy outfit ) she sent me over a description of things purchased and for this item, sent me a photo of a green and blue floral print girls outfit. I knew this was incorrect because it was one of the items I had actually received. She has no idea what she did and did not send, or what I ordered for half of the items. | ||||||
| 02/10/2022 | Yes |
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| At the end of XX/XX/XXXX I saw a notice in my PayPal XXXX XXXX account that read as follows, " PayPal Direct Deposit NEW! If you're an XXXX seller, you can set up PayPal Direct Deposit to make sure your XXXX sales are included in your future loan eligibility and enable automatic payments with a percentage of your XXXX sales. '' This announcement is still up on the PayPal XXXX XXXX home page.Between XXXX and XXXX I completed 5 loans with PayPal XXXX XXXX that totaled {$9000.00}. By XXXX my PayPal sales had declined from using different payment platforms in my 4 online stores and I didn't qualify for a new loan. Seeing this NEW program being offered in XX/XX/XXXX, and wanting to requalify for PayPal XXXX XXXX, I switched from having my XXXX sales deposited in my credit union checking account as I had done for12 years to having them deposited in my PayPal account. My first XXXX sales deposit to PayPal was on XX/XX/XXXX. On XX/XX/XXXX I contacted PayPal XXXX XXXX customer support to find out why I had not qualified for a XXXX XXXX loan. In the previous year I had had over {$22000.00} in sales through my PayPal account, which far exceeds the {$15000.00} yearly sales minimum requirement. Customer support told me that there was a " technical problem '' and that my XXXX sales were not being counted towards my eligibility to qualify for a capital loan! I was shocked. To this day PayPal XXXX XXXX has the announcement on their home page soliciting XXXX sellers to deposit ALL our sales into PayPal. I have been doing just that for over a year now and yet they were NOT counting them towards my eligibility.They said they would look into it. I called a few days later on XX/XX/XXXX and they were still looking into it. I waited two weeks and called on XX/XX/XXXX and spoke to a supervisor named XXXX. He said that they were still looking into it and couldn't help me. He pulled up my records and said he could see that I SHOULD qualify for a loan but that there was still a " technical problem. '' He couldn't tell me why my XXXX sales were not being counted towards my loan eligibility and he couldn't offer a patch or any other form of relief. At this point I felt I was being deceived and I contacted the Oregon State Attorney General and filledout a consumer complaint form. I called PayPal XXXX XXXX again on XX/XX/XXXX and XX/XX/XXXX and there is still a " technical problem '' that prevents my eligibility. I called again on XX/XX/XXXX and they were still working on it. I called PayPal 's main contact number on XX/XX/XXXX to see if someone at the head office could help me since XXXX XXXX was not doing anything. While their customer support seemed genuinely more concerned they ultimately just connected me back to the same people at XXXX XXXX and nothing had changed. Finally, on XX/XX/XXXX I went to the XXXX XXXX web page and it said, " Your business could be eligible for another PayPal XXXX XXXX loan. Approved loans are funded in minutes and there's no credit check. '' The five other times I got this message in the past I was approved and offered 3 different loan options to choose from. While filling out the simple two page form that asked me to verify my identity and what I wanted the loan form, I received a phone call from XXXX at PayPal XXXX XXXX. He had called to tell me that the problem should be fixed. I told him that it was allowing me to apply. I hit the apply button and within one minute I received a rejection notice. I was still on the phone with XXXX the supervisor at XXXX XXXX. He pulled up my rejection and gave me immediate feedback. He said my sales for the year were sufficient and that I had no chargebacks or refunds that would flag me for rejection. He said my rejection apparently was because my sales were down for a month during the holidays when I was sick and unable to work, even though they were up by 20 % for the year. He noted that my PayPal sales had tripled in XXXX over XXXX. They told me I qualify in EVERY way except for the " fluctuation '' of a bad month and that I can try again in a few months. I've had FIVE of these loans in the past and paid them all off in 6 to 12 months. This feels like fraud and deception. The ONLY reason I started depositing my XXXX sales money in PayPal instead of my checking account was to qualify for these XXXX XXXX which I had easily been approved for in the past. They took 5 weeks from my initial inquiry into why I wasn't qualifying to even make the website offer me the option of applying and then when it finally did I was immediately rejected. I have been repeatedly told by supervisors at XXXX XXXX that my overall yearly sales qualify me as they have in the past but that technical problems have kept me from getting a loan and that no human intervention ontheir part can help me! I've attached screenshots that show the following informationfrom XX/XX/XXXX to XX/XX/XXXX : my XXXX PayPal Payments Standard total is {$6200.00}, my XXXX sales depositedto PayPal are {$13000.00}, andmy PayPal account shows my total sales are {$22000.00} ( there are another {$3000.00} in sales that I directly invoiced through PayPal or were received there and initiated by customers ). I have also attached images that show their solicitation to XXXX sellers to deposit our sales with PayPal to be eligible for these loans along with the screen shots of them saying I COULD be eligible ( finally! ), the two pages that solicit basic info but don't even ask how much I may want to be loaned, and then the rejection notice. I am furious with PayPal and feel that they have been fraudulent in their efforts to get me and other XXXX sellers to deposit our XXXX sales money with them in the hope of being eligible for loans that they will never give us. I hope that the CFPB can give me some relief. I look forward to any help you can give in this situation. | ||||||
| 09/07/2021 | Yes |
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Web | Older American |
| On XX/XX/2021, I received {$50.00} via PayPal from one XXXX XXXX. XXXX notified me that " money was waiting '' via email so I knew the transfer was complete. I did nothing with the money until, on XX/XX/2021, I made an XXXX purchase in the amount of {$22.00}. I paid with PayPal, expecting that the {$50.00} that was on deposit would be decremented by the amount of the purchase. I checked my PayPal summary page only to discover that such was not the case. The {$50.00} was still there and still " waiting ''. I called PayPal about this and the agent told me that I couldn't access the money unless I supplied a bank account number. I told her that wasn't OK and that I wanted the money either applied to future purchases, applied as a credit to one of the two credit cards I had on file, or sent to me in the form of a check. She said no and advised that she would refund the money to the sender, XXXX XXXX, and that XXXX could send me the money some other way. Following this call, I contacted XXXX and explained the situation and asked that, if she were to get the promised refund, could she please just send me a check. A week or so went by and I heard nothing, so I checked my PayPal summary page again to see if the refund took place. It had not- {$50.00} still " waiting ''. I called PayPal again, reiterating my prior complaint and voicing my displeasure with the preceding experience, and the agent who helped me assured me that the situation was resolved and that my next purchase would " tap '' the {$50.00}. So, on XX/XX/2021, I made another XXXX purchase in the amount of {$22.00}, expecting to see the {$50.00} decremented. Again, this did not happen. So, again, I called PayPal and yet another agent told me that, in order to have access to my money, I needed to set up the " cash account '' or " link a bank account ''. There was, he said, no way to send a check ( even though the website had a " send a paper check instead '' button ) or put the money against my existing credit cards. I told him that I did not want to give out my bank account number and/or my complete identity ( full legal name, address, social security number, last four of the social security number, and date of birth ) just to access money someone else had sent me. I indicated that my money was basically a XXXX to PayPal 's XXXX for personal information and that I didn't like that and would communicate this to the regulatory authorities ( that being you ). Just around the first of XXXX, XXXX, I was contemplating writing to you about this issue, but I decided to give PayPal another call because each time I had called previously, there was a new twist from the agent on the phone. So I called again, and this fourth time, the agent seemed much more sympathetic to my complaint, indicating that he had heard this many times before. After considerable back and forth, he said that the option to choose how to pay was displayed when I entered the " Pay with PayPal '' screen at the time of purchase- that this would be visible as " Source of Funds ''. He implored my to try that on the next purchase and said that, if access to the {$50.00} was not successful after that, I should call again and they would " cut me a check ''. So yesterday, I went on XXXX and attempted to purchase some literature for {$18.00} plus shipping. When I went to pay with PayPal, I attempted to located the " Source of Funds '' choice to which this agent had eluded. It wasn't there. I cancelled the purchase and called PayPal again today with this whole story, asking this time to speak with a supervisor. I was told that the {$50.00} I had available could only be had if I provided the personal information they wanted, otherwise they would just keep it. After this, I went back on XXXX and bought my literature and paid directly with my credit card, thus bypassing PayPal altogether. Following the purchase, I attempted to locate a number for the PayPal Corporate offices to voice my complaint higher up the food chain, but the number supplied online eventually took me back to the same " customer service '' place I had been to so many times before, where the agent again said the the {$50.00} would be held pending the disclosure of the information they wanted. I again repeated that I wanted the money applied to future purchases, put back on the credit card ( s ) I had already on file, or sent via check. She refused. It was at this point that I contacted your office to request assistance and was told to submit this complaint. Your representative mentioned that there were " thousands '' of complaints against PayPal but that she didn't know if any were exactly my issue. What I want is my {$50.00}. They can apply it to future purchases ( the preferred method ), credit it to the credit card I have on file, or send me a check for the money. What I want for everybody is for this practice to be disclosed up front. Had I known that the money that I was offered via PayPal would be held XXXX for personal information, I would not have agreed to accept payment via PayPal. I suspect that had the sender known this, she might have offered to pay a different way. PayPal needs to get agreement from all parties BEFORE the money changes hands. I think that if all parties are aware of this crazy policy, fewer will be likely to offer payment via or accept payment from PayPal. One final note : I am willing to supply to you any necessary information, including my login information so that you can see the trail for yourself. Please simply let me know if I can assist in any way. Please note that PayPal states that all calls are recorded and that " notes '' are kept by their representatives when customer service calls are received, so PayPal will be the repository of all related documentation and conversation regarding this matter. Regards, XXXX XXXX | ||||||
| 06/25/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX at approximately XXXX, I noticed multiple emails from my bank account and PayPal account saying that there was suspected fraud activity on my account. I immediately attempted to contact both, but was blocked by my phone which stated " calls can not be made. Try again later. '' Despite having full bars of service. I repeatedly tried to call my financial institutions to no avail. I eventually realized that my service was not interrupted, but my number was being ported out to a different device so that I could not make or receive phone calls or texts, including my two factor authentication texts from my bank and PayPal. I called PayPal using my parents phone and they informed me of a PayPal debit card being opened in my account ( using my maiden name, not my current legal name ), as well as multiple transactions, that I did not authorize. They stated that when my phone was sent the authentication alert for fraud, my phone number authorized the transactions and PayPal debit card. I did not have access to my PayPal during that time as my password, security questions, and pin were all changed all around XXXX. This was confirmed by PayPal via phone call but they could not release the information to me as there were security flags on my account. It was also confirmed as my husband received a pin alert change text on XX/XX/XXXX at XXXX but was not able to access the account. I did not receive an alert on my compromised phone number. I believe the sim card itself was hacked or being accessed by the hacker. The alerts from PayPal were sent to a compromised email account at XXXX. There were XXXX total transactions/PayPal debit card use alerts from PayPal to my email. PayPal created a case about the disputed transactions on XX/XX/XXXX. My address in PayPal was also changed to " XXXX XXXX XXXX XXXX WI XXXX ''. I live in Pennsylvania. I checked my XXXX XXXX account as my father was an approved person on my account, and there was a charge stating {$1300.00} had been transferred from my bank account to " auto XXXX transfer to ckg '' and was pending. I attempted to have XXXX sent the transaction, but they stated they were unable to do so and we would have to wait until they posted to my account to dispute them. They were able to freeze my account to prevent further access, and informed me I should see my bank in person the following day. I contacted XXXX XXXX on XX/XX/XXXX after speaking with PayPal, again using my parents phone as my phone was unusable. They informed me that my Pin, security questions were all changed. They helped me put a flag on my account. During this time I was not able to change any settings on my phone, make or receive phone calls or texts, or check my voicemail. My service was active via the bars but on the left upper screen it said no service. My phone settings also said there was no sim in my phone during that time, but I DO have a sim card. On XX/XX/XXXX, I received an email on the compromised email account stating that a XXXX Account was created. I did not create a XXXX account. I reached out to the XXXX XXXX team via email and have not heard back as of XX/XX/XXXX. There have been no further emails from XXXX. I went to my local XXXX XXXX at XXXX XXXX to sort out my financial fraud alerts. I worked with XXXX, who helped me close my compromised accounts from being accessed, opened new accounts for me, and started the process of reporting my issue. She gave me further instructions to follow which I did. I completed an XXXX credit check and have that available for review. I notified my place of work of my changing banking information for my direct deposits. I changed all contact information by switching to a new phone and provider and phone number. I changed all passwords and contact information to remove the compromised emails and phone number. On XX/XX/XXXX, I filed a police report with the XXXX XXXX Police Department. Report # is XXXX and that was completed at XXXX XXXX. I contacted PayPal from XXXX about my account. I informed them that the withdrawals from my banking account via a compromised visa debit card were not approved, nor was the PayPal debit card. They informed me that the PayPal debit card has already used the funds from my bank account three times at a XXXX. I do not shop at XXXX and never have. They requested I have XXXX XXXX send proof of my account being compromised to XXXX as they were unable to assist any longer. I contacted XXXX XXXX from XXXX. They confirmed alerts were sent to my accounts phone number on XX/XX/XXXX and that my Pin and security questions were also changed. I spoke with XXXX and XXXX. They informed me that I would need a subpoena from a police department to acquire that information in writing. I called the XXXX XXXX Police Department at XXXX to ask about subpoena. They said my bank takes care of that, not them, and to contact my bank on Monday. I went on to my husband 's XXXX account and requested the data information for my compromised phone number. I got an email saying that my request was received and could take up to 45 days to hear back. The data request ID is XXXX XXXX I am currently at a standstill until I can get in touch with my bank on Monday. I did try to get the disputed started with XXXX XXXX on Saturday at XXXX XXXX but the system was down, so she informed me I should come back on Monday when they reopen. Any help with this matter would be greatly appreciated. PayPal said they will likely return the transactions that were taken from my bank account, but that I would be on the hook for the PayPal debit card that was opened fraudulently in my name. So really, I will be out {$1300.00} either way as PayPal has already stated they would not investigate the fraudulent debit card any more. Please assist in any way, it's greatly appreciated! | ||||||
| 02/21/2018 | Yes |
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Web | |
| My name is XXXX XXXX. I have never in my life had to deal with a more frustrating situation in my life than a sale of my father 's {$4000.00} watch on XXXX ( where I am a XXXX XXXX ) to a buyer in New York. The buyer requested that after his purchase that I send the watch ( appraised by a local jeweler for authenticity ) to a different address than that existed on his XXXX account. Having sold through XXXX many times in the past and considering that I am a single father, who hated giving up one of my few possessions of my father, I felt uncomfortable about this aspect and checked with XXXX for their direction. XXXX said that I was correct in notifying them and that if I had done this that would not have the protection of XXXX. I notified the buyer that per XXXX, the watch could only be shipped to the buyer 's XXXX address. He agreed and I sent my father 's watch with return receipt requested. The buyer upon receipt of the watch waited to the end of the 21 day time frame to question the watch 's authenticity and filed a claim with XXXX. He then sent the watch to XXXX XXXX. XXXX decided in my favor and the slick buyer filed a case with Paypal the next day after XXXX 's decision unbeknownst to me. I was never contacted by Paypal and they without my knowledge took the buyer 's funds from my Paypal account. That was done nearly four months after the sale which I did realize had occured until later. After many fruitless phone calls about this improper removal of my funds without a return of my watch, I filed an appeal of the impropriety on XX/XX/XXXX. They have never completed the appeal, although in hours of follow phone calls to Paypal some lasting 5 hours being transferred from department to department, I asked a friend/neighbor if he could assist me recovering my money with his financial background. My neighbor, XXXX XXXX, was treated quite differently I noticed right away. He has an XXXX credit card and a Paypal account. He moved through customer service much quicker due to that than I was able to. He told me that I must have left out something because it seemed impossible to him that a item this expensive could be handled that poorly. He spend at least 40 hours with names, departments, dates, while recording after saying, " This call is being recorded for quality and training purpose ''. He had just left a job at XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX. He said that needed to be announced for any recordings to be used in court. Only one Paypal employee through his hours of effort refused to discuss the situation while being recorded. He got promises of immediate action, when he told them that he had twenty-five years experience as a XXXX XXXX XXXX in mortgage lending ( he only left the XXXX XXXX due to the financial meltdown, which he told me resulted to the establishment of your department ). XXXX repeatedly requested to speak to their legal department which they refused to transfer him to. In addition, he told them that through his many calls that he establish with clarity that XXXX was not at fault, but did not communicate with their old former subsidiary until being split off years ago. I thought he might have actually gotten hold of someone who might put my money back within three days for me to pay for my movers. However that promise turned out to be another falsehood as the many prior ones. He actually felt so bad that he put the moving expense of {$360.00} on his paypal account. He then said that his last call of three and a half hours and then hanging up and calling backthat he was told his last hour on hold that the department had closed and rudely left him on hold. This hour and half phone call resulted in his being told that appeals are always handled within 48 to 72 hours. He was stunned being told that on a recorded call. He said that that was enough and contacted both the OCC and the FTC, which we opened a complaint on XX/XX/XXXX and the OCC on XX/XX/XXXX. After spending an hour with the FTC including thirty minutes with a supervisor, XXXX, who said that she would open a case reference # XXXX, she did say that the FTC ordinarily did not accept individual cases. He then called back on Monday, XX/XX/XXXX, and left a message with FTC regarding the case and proceeded to call your department and left a voicemail with the whistleblower division. They returned his call yesterday and asked me to file this complaint on your site. He was amazed at the lack of regulatory training that they do not receive and posted on XXXX and XXXX referring to an article ( XXXX XXXX XXXX ) that said, " Paypal is not a bank '' by XXXX XXXX XXXX " XXXX XXXX, You could be correct, but you have forgotten that although you might be a " money market fund ''. However, that should not remove the OCC from overseeing the banks that lend the money to XXXX ( XXXX XXXX ) and Paypal ( XXXX XXXX XXXX ) customers. Thus it is strange to me that although an international " payment processor '', they are not receiving the same regulatory oversight and training that a bank with a charter would be demanded to receive for dealing with the public. XXXX has created all types of gray areas that should not be as confusing, if you " follow the money ''! He the posted a story by a LA writer regarding the bank that supplies money to his paypal account ( XXXX XXXX XXXX ). He has my full permission to contact him at XXXX to get more details on my XXXX transaction # XXXX I can be reached at XXXX or emailed at XXXX. His email is XXXX. Please help me regain {$3300.00} that was stolen from my Paypal account on XX/XX/XXXX and get decision on my Paypal case still pending from XX/XX/XXXX! Hopefully you can have greater success than I have and prevent other consumers from going through what I and XXXX have experienced. Thank you! XXXX XXXX XXXX or XXXX XXXX XXXX. | ||||||
| 02/03/2018 | Yes |
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Web | |
| I purchased a used paraglider on XXXX from a seller in XXXX, using PayPal to process the transaction. The XXXX listing expressly stated that the wing was in good flying condition and completely usable, and I contacted the seller to confirm this before buying it. The listing stated " very low hours on this wing '' and " there is no problem flying with this wing. When the paraglider arrived, I was leaving on a trip and didn't check the contents of the package until several weeks later. I took the paraglider for a day course with a certified professional instructor at XXXX XXXX of XXXX, CA, and he requested that he let me inspect and test the wing with a standard porosity test before flying it in his course. The paraglider completely failed the porosity test for airworthiness, and the instructor immediately declared the paraglider unsafe to fly and estimated that it had a minimum of 300 hours of prior use, meaning that it was beyond its safe operating limits for flight. He would not allow me to fly the paraglider in the course as a result, and stressed that there was no legal or ethical way this paraglider should have been advertised as airworthy. I contacted the XXXX seller, XXXX XXXX, through XXXX to report the results of the inspection and to request an exchange or partial refund. XXXX closed my request for a return without responding to multiple messages from me. I contacted him again through the PayPal dispute resolution center, and he escalated my support request to a full dispute claim, again without responding to my messages directly in any way. PayPal sent me a message telling me they'd agreed to process the return and refund, and instructed me to ship the paraglider back to XXXX in XXXX at my own expense. They provided the shipping address, and I contracted for international shipping via USPS through an online shipping broker called XXXX. I paid the $ 160+ international shipping fee online and sent the package to the address PayPal had given me. I submitted a digital copy of the XXXX shipping label and the USPS tracking number ( XXXX ) to PayPal for tracking in connection with the dispute and return. I had grave reservations about shipping the package to XXXX at my expense with no assurance that the seller would accept the return package. I contacted PayPal to tell them I suspected the seller would do anything possible to avoid processing the refund, including claiming he never received the package or interfering with the shipment at the local level. I received no response to my concerns from PayPal. I sent the package as they had directed. While it was in transit, I contacted PayPal again to stress that I felt the seller was acting in bad faith and would not accept the return, and again I received no reply from PayPal. The tracking information for the package stopped after it reached XXXX, XXXX in XX/XX/2017, and has not been updated since. PayPal requires proof of delivery to complete the refund for the return, but the USPS tracking information does not list the delivery. I filed complaints with both XXXX and USPS to determine what had happened to the package. To date, both USPS and XXXX report that they are still conducting their inquiries to determine why the package has not been delivered. Although the shipping inquiries are still ongoing, PayPal closed the return case and told me they would not process the return because the shipping information I'd provided them was invalid. I called PayPal to dispute this, and the service rep I spoke with on the phone took the USPS tracking number ( XXXX ) from me again, confirmed that it was valid, and re-opened the return case pending more information from the shipping inquiry. I asked to speak to the rep 's supervisor for confirmation, and she asked me to wait on hold for a supervisor. After about 20 minutes on hold, I gave up and hung up. The next day, PayPal emailed me to tell me that they'd closed the return case again. This time the PayPal email said that the item had never been eligible for a return, because it did not meet the requirement of being 'substantially not as advertised. ' I contacted PayPal again to remind them that they had expressly instructed me to ship the paraglider to XXXX for a return. PayPal responded that the appeal was denied because I had already submitted that information, and added that any further communication from me on this dispute would not receive any response from PayPal. I paid {$690.00} to XXXX XXXX via PayPal for a used paraglider that he explicity advertised as being safe to fly, but which was determined by a professional paragliding instructor to be worn out and unsafe for any use in flight. Because the seller was immediately uncooperative when I requested an exchange, I would definitely not have paid to ship the paraglider back to XXXX if PayPal had not directly told me that I would receive a full refund for the purchase if I shipped the paraglider back to XXXX. The messages from PayPal regarding this return case are undeniable. As a result, I followed PayPal 's instructions and ended up losing the purchase price, the paraglider itself which still has not been found, and the addtional {$160.00} in shipping charges that I paid at PayPal 's direction. My total loss in this incident is now over {$850.00}, and PayPal bears direct responsibility for the shipping charge at a minimum. PayPal did not even dispute that they instructed me to send the item back to XXXX for a refund, but they still insist that it is not eligible for a refund under their buyer protection program. The USPS shipping information clearly shows that I sent the item to the address that PayPal instructed, which should be enough information to show that I followed their instructions and have met the requirements for the refund. | ||||||
| 05/13/2023 | Yes |
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Web | Older American |
| Dear XXXX XXXX XXXX ( XXXX ) and PayPal, IN RE : PayPal Account under Email Address XXXX This is a formal notice to cease and desist and a formal demand and preservation letter. I am hereby disputing the amount of {$5300.00} referred to XXXX XXXX XXXX ( XXXX ) for collection by PayPal. These items were sold via PayPal, tracking information that matched the buyers address was provided, and PayPal marked such transactions as eligible for Seller Protection. XXXX XXXX XXXX ( XXXX ) and PayPal is to cease any attempts to collect on this amount and immediately cease from attempting to report such amount to the credit bureaus. The negative balance under said PayPal account is to immediately be removed. Any action in violation of the demands herein will result in further legal action being taken. In accordance with PayPal Seller Protection terms and conditions the negative account balance of {$5300.00} SHALL be removed from the PayPal Account Balance under Email Address XXXX and this collection account must be closed within 5 days because as acknowledged by PayPal Representatives and as included in the documents attached the transactions are marked as unauthorized by the buyer to the buyer 's financial institution and PayPal marked the transactions as eligible for Seller Protection and the representative acknowledges that tracking information was provided that covered the buyers address. Paypal Representatives also emails me an acknowledgment was sent via the message center by a PayPal employee that these two disputes were still open and that while they were open this amount did not have to be paid and no collection efforts could take place concerning these amounts anyway, therefore, this amount should have never been referred to collection. All screenshots and downloaded provided herein were provided by a PayPal representative and were emailed to me. Paypal dispute # XXXX XXXX XXXX by PayPal Seller Protection as an agent has acknowledged it is marked as eligible for such protection and because it was unauthorized and tracking information was uploaded for such that covered the buyers address. This transaction was for {$2100.00}. PayPal and XXXX XXXX XXXX ( XXXX ) is more than welcome to confirm this with the buyer 's financial institution. Paypal dispute # XXXX XXXX XXXX filed as unauthorized but was changed to a credit not processed dispute with the buyers bank. It has again been reported an unauthorized. I confirmed this directly with the buyers financial institution. And they stated to me such is currently a fraud claim and that this transaction has once again been flagged as fraudulent and unauthorized therefore making this transaction also eligible for PayPal Seller Protection given it is covered by PayPal Seller Protection given the original transaction was marked as eligible for PayPal Seller Protection and it is being reported as unauthorized and was uploaded for such that covered the buyers address. PayPal and XXXX XXXX XXXX is more than welcome to confirm such transaction in the amount of {$3200.00} is currently reported as unauthorized with the buyer 's institution. Furthermore I have attached PayPal 's Seller Protection and the terms and conditions of Paypal 's Seller Protection which furthermore states that Seller Protection still applies in instances when a buyer reports such as unauthorized directly to their financial institution and not PayPal. At the time of this matter these were the current terms and conditions of PayPal Seller Protection and such terms and conditions are applicable to this legal matter. Attempts to resolve this matter have been ongoing for months and nothing has occurred. And PayPal and XXXX XXXX XXXX ( XXXX ) is encouraged to review the attachments provided along with this demand and preservation letter. Paypal and XXXX XXXX XXXX ( XXXX ) is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal and state laws given PayPal is attempting to hold an individual responsible for an amount of money they do not owe. Furthermore, Paypal 's own Seller Protection covers any reporting of unauthorized transactions that are marked as eligible for Seller Protection and this matter should have never been referred to a collection agency and should never have been a negative balance on the PayPal account under email address XXXX. Paypal and XXXX XXXX XXXX ( XXXX ) is on formal notice to keep the PayPal account open in the event litigation it commenced in the future and preserve any and all documents, messages, letters, pdfs, recordings, information, collection attempts, and all account information in regards to dispute # XXXX XXXX XXXX # XXXX and concerning the PayPal account under email address : XXXX as a whole and collections attempts concerning these two items sold by a PayPal Seller. I am unable to attach all communications via message center, however, I encourage PayPal to look at such under the PayPal account. In order to amicably resolve this matter and in an attempt to resolve this matter without additional legal action the following is hereby demanded. 1 ) Confirmation this matter will not be reported to the credit bureaus and all collection attempts will cease immediately. 2 ) Confirmation Paypal will abide by the Seller Protection terms and conditions and its prior assurances concerning this matter. 3 ) Confirmation of the removal of the Negative Balance on PayPal.com for the Account under Email Address : XXXX. 4 ) Confirmation of the closure of the collection account concerning this amount of {$5300.00} with XXXX XXXX XXXX ( XXXX ) for PayPal Account under Email Address : XXXX. 5 ) Payment in the amount of {$1000.00} for violations of the FDCPA at an address to be provided at a later date when requested via email. | ||||||
| 03/29/2023 | Yes |
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Web | |
| On XX/XX/ at XXXX XXXX, PayPal processed my monthly XXXX credit card bill payment, as scheduled through their " Bill Pay feature, resulting in a {$800.00} debit from my XXXX bank checking account. After that, two different issues arose which have yet to be resolved, despite the fourteen hours over the past seven stressful months I have spent on the phone asking for a resolution and following every direction given by PayPal. The first issue arose minutes later. Following the first {$800.00} debit, PayPal made a second, third, and fourth {$800.00} debit from my checking account at XXXX XXXX XXXX XXXX, and XXXX XXXX debiting {$2400.00} more from my checking account than I had scheduled. After being notified about these transactions, I called PayPal aXXXX XXXX XXXX and while I was not provided an explanation for this error, I was assured that there would not be any more redundant transactions. Of note, I received two emails as receipts for two of the {$800.00} payments but never received any for the remaining two. The second issue arose days later. After waiting until XX/XX/XXXX, I saw that the four {$800.00} transactions had been posted, for a total of {$3200.00} debited from my XXXX bank checking account. However, only {$1600.00} had been received by XXXX from PayPal in the form of two {$800.00} payments. I called PayPal on XX/XX/XXXX, spoke with a representative, and explained that only half of the money taken from my checking account was received by XXXX. The PayPal representative claimed that the transactions appeared to have been successful from PayPals end and directed me to contact XXXX and request a trace performed to find the remaining {$1600.00}, which I did. On XX/XX/XXXX, my wife ( the primary account holder for the XXXX credit card account ) received a letter addressed to her regarding the investigation to trace the payments, stating that only two payments of {$800.00} each were received on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX and was provided the same information over the phone. On XX/XX/XXXX, I called PayPal and spoke with a representative about the errant and redundant transactions on XX/XX/XXXX, the missing {$1600.00}, and XXXX response. I was then directed to contact XXXX bank and request a chargeback for all four unauthorized {$800.00} transactions, which I did. On XX/XX/XXXX, I received an email from XXXX stating Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. On XX/XX/XXXX, I called PayPal and spoke with a representative about the results of the XXXX investigation. I was directed to appeal the results and that PayPal would communicate directly with XXXX bank about the investigation into the unauthorized transactions, which I did. On XX/XX/XXXX, I called PayPal after not seeing any changes to the status of the XXXX claims opened up as part of the investigation. I was directed to wait until 75 days had elapsed after the claims were opened, which I did. On XX/XX/XXXX, I called PayPal after more than 75 days had elapsed after the claims were opened and they directed me to contact XXXX as there were no updates to provide. On XX/XX/XXXX, I called XXXX and was told that there was no further documentation provided by PayPal to change the result of the investigations opened in XXXX. On XX/XX/XXXX, I called PayPal and requested that the claims be escalated as I had done everything I was directed to by PayPal representatives and I still did not have my {$1600.00} back. I was told I would receive communication about the claims after escalation, but I did not. On XX/XX/XXXX, I called PayPal and explained that I had not received any communication about the escalation of the claims, and was told the claims would be escalated again, but I did not receive any further communication. On XX/XX/XXXX, I called PayPal and spoke with a supervisor in the chargeback department. I was told that a trace could be performed by PayPal into the two {$800.00} payments to XXXX that were never received by XXXX. I was told I would receive communication about the results of the trace within XXXX hours, but I did not. On XX/XX/XXXX, I called PayPal and spoke with a supervisor in the chargeback department. I was told that the trace into the missing payments would not take 40 hours, but instead would take 5-7 calendar days and a maximum of XXXX calendar days from XX/XX/XXXX. I was directed to call back if I did not receive communication about the results of the trace. I did not receive communication after more than 30 days. On XX/XX/XXXX, I called PayPal and spoke with a supervisor in the chargeback department. I was told that the trace was not performed and I was directed to contact XXXX bank and ask to again appeal the results of the claim opened in XXXX and to provide an updated reason code of duplicate instead of unauthorized, which I did. On XX/XX/XXXX, I received an email from XXXX bank where, despite my appealing the XXXX case on the basis of an updated reason code, the final determination remained : we still have concluded that no error occurred. On XX/XX/XXXX, I called PayPal and provided this information to a representative who explained that a supervisor in the chargeback department was unavailable. The representative said that they would provide this information to a supervisor and that I should receive communication from them with further direction. After two weeks, I have not. It has been over 200 days since PayPal debited four times the amount I requested and failed to deliver half of that money to the intended recipient. I have not seen the missing funds, despite my taking every action PayPal has directed me to. | ||||||
| 07/04/2020 | Yes |
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Web | Servicemember |
| With the current pandemic that we are experiencing my life along with so many others have been flipped upside down. I lost my job in late XXXX. I filed unemployment immediately after losing my job and I have yet to see my first payment. Washington State was hit hard with fradulent claims and paid out close to a XXXX dollars to the criminals. Add record breaking claims on top of that and you get 80,000 people in Washington who have been waiting over 3 months to recieve their first payment. I went through my savings quickly and with that came heartache and despair that I can not properly describe to you. It has gotten to the point where a good day is when I can eat 1 meal. There are many days I dont eat at all. Not to mention I have been unable to purchase a prescribed medication that is vital to my wellbeing for over a month now. Everyday I go without taking that medicine I am having negative results that could impact me for the rest of my life. I am not one to ask people for help or depend on someone else to take care of my responsibilities. That is especially true when it comes to my family. They are dealing with their own set of challenges trying to keep their head above water during these uncertain times. My situation became desperate enough that I broke down and called my family for help. They offered to send me XXXX to get me through this. I only asked them for a {$100.00}, just enough to buy some food and get my medication. On XX/XX/XXXX a family member sent {$100.00} to my PayPal acoount. Once the money was in my account I went to transfer the funds to my debit card but recieved a message that it would not be transferred instantly and it would take a few days to post to my account. I cancelled that transaction and while trying to figure how to gain access to my money quicker then a few days, I recieve an e-mail from PayPal stating that my account is being closed and that any funds I had in the account would be froze for 180 days. I am not a cryer but I broke down. For the last 3 months I have been able to keep my head up and face all the heartache & pain even though on the inside I am broken and barely keeping it together. What finally brought me to my knees was PayPal telling me they were keeping my {$100.00} for 6 months or they might just keep it. The first clear thought I had after falling apart was that I was lucky I didn't accept the XXXX. I immediately went to work to find the solution to this problem. That was easier said then done. When I would try to call PayPal I recieved a recorded message stating due to Covid 19 that if I wanted to speak to someone sign into my account and select the live chat option. I did as the recording said and when trying to reach live customer service through the chat option I could not get past the bot. The bot kept saying no agents were available and that I needed to try again during this window of hours. I was trying to contact during those hours but for some reason kept getting the message no agents available try again during these times. I finally found how to send a message through the PayPal App. My first message to them I basically gave a run down on how times are tough for me, and that {$100.00} is for food and medication I desperately need. A couple hours had passed and I received a generic pretyped response stating that- PayPal will no longer do buisness with me and that I cant delete any bank accounts, credit or debit cards from my account. All funds will be froze and I will not have access to them. The only thing I would be allowed to do was sign on and look at my history. PayPal did not provide an exact reason nor tell me what I did wrong. Instead they provided a list of offense 's and stated one of those Items listed could be the reason for my account being closed and why the money was frozen. The next day XXXX the XXXX I once again tried to reach a live person to discuss and resolve this issue but once again I couldn't get past the Bot. I was getting the same message that no service agents are available and to try again during these hours. Something did not seem right about not being able to connect to a live agent. I called a friend and asked him to try from his account to reach an agent. He had no problem connecting to a live agent. After discovering that PayPal was blocking me from connecting to customer service I sent another message going over everything again and wanting to know exactly what I did wrong. I also stated that Including this {$100.00} transaction there has been a grand total of two transactions that have transpired on my PayPal account. What could I have possibly done wrong. I recieved the exact same generic pretyped response that PayPal sent in regards to my first message. I immediately wrote PayPal a 3rd message recapping the whole situation and What there decision was doing to me. I also begged them to please have a live person respond to me. On XX/XX/XXXX I recieved a response to my 3rd message sent to PayPal. Once again it was the same generic pretyped response I had recieved twice before. PayPal has frozen money I need to survive and at the same time has restricted my ability to contact a live person within the company. At first it baffled me how a huge company like PayPal could do this to a customer, especially at a time like this. All it takes though is to do some research on the internet and see the thousands upon thousands of story 's just like mine not to mention any other scenario you could think of. You soon realize PayPal could care less about their customers and a pandemic isn't about to change that. I have done nothing wrong to have my money that I so desperately need taken from me. I have done nothing wrong yet now my name has been added to the ever growing list of people PayPal has harmed. | ||||||
| 04/06/2019 | Yes |
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| XX/XX/XXXX PapPal - Executive Escalations XXXX XXXX XXXX XXXX, NE XXXX Paypal Credit XXXX XXXX XXXX XXXX, MD XXXX Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re ; Office of the Missouri Attorney General Complaint No : XXXX Dear PayPal, I am in receipt of your letter dated XX/XX/XXXX, and I would like to let you know I am extremely upset. For almost a month now I have been attempting to call in to file disputes, there is long wait times of over a hour, only to then have to be transferred to another department who always disconnects the calls. Further more, when I do finally get through to your disputes department, they send the seller who is scamming me a message instead of filing and escalating them as I asked. They are being done once a month, randomly and not all at the same time as I asked. I was sent a empty package and have proof that some of your sellers are scamming but I am being penalized financially. Your rep forced me to pay almost {$50.00} to mail back a empty package to XXXX before you returned my money. I have lost funds because of this. The seller said he was shipping a ring which was 7 grams yet the entire package weighed 0.5 grams and was titled a document. Paypal still choose to force me to send more money mailing this back to receive my funds. We are a XXXX company, and there is another seller who runs XXXX XXXX XXXX XXXX that is scamming clients not selling the services as advertised. I was told they did XXXX marketing promotion to drive real XXXX to my XXXX. I have paid them over {$880.00} from my account and they have used fake bots to boost streams which has got XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX 1 of 3 my XXXX removed from XXXX. This is causing additional problems and I have contacted the seller who is now posting derogatory messages on my XXXX page saying I stole a credit card. The cards on file used are real, and are mine and the disputes are because they are lying using fake play bots, instead of real traffic from marketing the right way. Paypal will not let me through to the disputes department to take care of all these matters at once. I have spent over a month calling almost daily, sending e-mails, complaints to XXXX, attorney general and CFPB among trying other things. I still have not been fully able to resolve these matters and now I am out of more money. I plan to file legal action in court against Paypal stemming from these matters. Please review the items in my account below I need disputed and the claim escalated and resolved immediately within 10 days. This has taken way to long, an is using lots of my time and energy which should be going into making music. SO SINCE I HAVE TO KEEP GOING BACK AND FOURTH WE CAN DO IT IN FEDERAL COURT WHEN I SUE YOU FOR AT LEAST {$75000.00}. Your company keeps randomly doing these 12 disputes instead of all at once, my bank account with XXXX XXXX XXXX XXXX XXXX was shut down because of this matter. So now after I wait 10 days for you to message, then 10 days to escalate after no reply, you send the funds to a closed bank account. The bank has to now mail me cashiers checks for each one of these transactions which take 5-7 business days. I have received 2 so far and you are disputing these 1 each month. At this rate it will take all year to resolve this matter doing 12 disputes and only being able to get your company to do 1 at a time each month even though have been notified multiple times, multiple ways all at once. I should not take a full month to get my month back from your sellers sending empty packages, and using fake XXXX bots adverting it as real. THIS IS RIDICULOUS. Please return my funds immediately. I have already received the {$10.00} and {$1200.00} payment today. I am waiting on the refund for the {$22.00} from XX/XX/XXXX that was refunded on XX/XX/XXXX with the rest of the transactions below. TRACKING INFORMATION - FORCED FROM PAYPAL 1. The tracking number for the empty package your company forced me to send back in order to get the refund is XXXX from USPS.com 2. The amount it cost me to send back the empty package was {$49.00} 3. I notified your company about this but was told in order to receive refund I had to return the empty package, and which made me mad so I will be suing your company even after my refunds are processed because I am now out of additional money that wont be returned after this long wait, and numerous complaints which take time. 4. You hire employees who are on the clock being paid to waste my time and money, while I am a small business owner who losses additional income while dealing with matters pertaining to trying to fix these issues stemming from paypal allowing scammers to be successful with the help of paypal. 2 of 3 ITEMS TO DISPUTE 1. XX/XX/XXXX - XXXX, XXXX - {$200.00} 2. XX/XX/XXXX - XXXX, XXXX - {$140.00} 3. XX/XX/XXXX - XXXX - {$10.00} {$150.00} {$42.00} 4. XX/XX/XXXX - XXXX - {$100.00} {$35.00} 5. XX/XX/XXXX - XXXX - {$28.00} {$70.00} REASONS FOR DISPUTE 1. THE SELLER IS USING FRAUDULENT BOTS TO BOOST THE NUMBER OF STREAMS WHICH IS SCAMMING XXXX COMPANIES LIKE XXXX ETC. 2. THIS IS NOT WHAT I PURCHASED, I XXXX XXXX XXXX TO FIND PEOPE WHO KNOW WHO TO MARKET MY XXXX TO REAL XXXX. 3. I WOULD NEVER BUY FAKE XXXX, IT DOES NOT DO ANY GOOD, I NEED REAL XXXX WHO WILL COME OUT TO XXXX XXXX. 4. THE COMPANY SHOULD BE BANNED FROM DOING ANY FURTHER BUSINESS WITH PAYPAL FOR THE NUMBER OF DISPUTES AGAINST THEM. 5. THE CREDIT CARD USED IS NOT STOLEN, BUT THEIR TECHNIQUES AND SOCIAL MEDIA METHODS USED ARE FRAUDULENT. 6. IM A REAL AMERICAN BUSINESS OWNER WHO DOES NOT KNOW MUCH ABOUT SOCIAL MEDIA, SO I ATTEMPTED TO HIRE A REAL COMPANY TO HELP IN THIS AREA NOT BE SCAMMED. Sincerely yours, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX. 3 of 3 | ||||||
| 08/20/2020 | Yes |
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| I opened a dispute with PayPal on XX/XX/XXXX regarding double charge of {$110.00} from their merchant XXXX ( see complaint below ) on XX/XX/XXXX. Merchant - XXXX XXXXl : Order No. XXXX ( XXXX XXXX and XXXX ) On XX/XX/XXXX I made a purchase on the XXXX website using Paypal. At the time of checkout, I received errors stating an issue with the server. When the order eventually processed it charged me twice, once on my credit card and once on my checking account. On XX/XX/XXXX, I called to inquire about disputing the charge with my bank and the representative from XXXX XXXX told me if I disputed the charge as unauthorized that they would freeze my account, so at that time I opted not to pursue that avenue and yet try to work it out with the merchant. The same day I called the merchant and told them of the double charge which they denied and said they only received one payment from me and that if I was double charged I need to dispute the charge with my bank. I told them they charged my credit card as well as debited my bank account. I NEVER authorized them to debit my checking account in the first place, only to charge my credit card. Due to the error upon checkout they debited my checking account too. The representative at XXXX told me the funds hold on my credit card would be released in 3-5 business days, which they were not. I waited the 5 days as directed by XXXX before calling my credit card company to inquire about the hold. On XX/XX/XXXX I inquired about releasing the hold on my card ; my credit card company told me that it was up to the merchant to release the funds. I emailed XXXX the same day with screenshots of what was advised by my credit card company regarding the hold. On XX/XX/XXXX XXXX FINALLY sent an adjustment to my credit card to release the funds, a mere 7 days after I first brought this to their attention. The package was delivered on XX/XX/XXXX. I refused the unopened package for delivery on XX/XX/XXXX at the XXXX store in XXXX Mn. Upon refusal of the package I asked for a receipt, which I was told there was not one to be given. I again reached out to XXXX regarding the ongoing issue and was told nothing could be done regarding a refund until the package was returned to the warehouse. It is now XX/XX/XXXX and I no longer have the product nor the {$110.00} that was withdrawn from my bank account, without my authorization. I am being told by XXXX that they can not track the package and XXXX is not able to refund my money until they receive the package. I opened a case with PayPal, as they are the merchants payment processor, but I have not heard anything back from them. My last resort is to file a dispute with my bank, but I do not think I should have to suffer the consequence of having my bank account frozen for doing nothing wrong but trying to get my money back that was wrongfully and fraudulently taken. I work extremely hard for my money and would like back what is rightfully mine. This has been an unbelievable nightmare and I just want this to be over. It is going on 18 days of nonsense from every avenue I have tried. This is plain and simple bad business all the way around, from XXXX faulty checkout platform to PayPals lack of customer service to XXXX unable to track a refused package to my bank threatening to freeze my account. Please help me. I have exhausted all other avenues to get my money back including filing a complaint with the following : FTC XXXX Attorney General of California I have not yet contacted an attorney. They are withholding my money ; I sent their package back to them on XX/XX/XXXX and they are refusing me a refund. I just want my money back. That is all. As of XX/XX/XXXX I received an email stating my case was closed in my favor on XX/XX/XXXX and that I would be receiving a refund in 5 days ( not 5 business days ). Today is the 7th day ( and 5th business day ) and I still have not gotten a refund. I called PayPal today to check the status and possibly escalate the ongoing issue. I was told I must wait 6 business days for my refund due to how the seller refunded my money. This has been an ongoing issue with their merchant since XX/XX/XXXX. Their email notice that they sent me about my refund was both unfair and deceptive. Unfair because they lied by saying my refund would be in my bank account on the 5th day, which it is not. Nowhere in the email did it state 5 business days, only 5 days, which I am being told that now it is 5 business days. And deceptive because they told me something that was not true. The representative told me my refund would be there in 5 business days ( not 5 days as stated in email I received on XX/XX/XXXX ) and now I am being told 6 business days due to the manner the seller issued the refund. Very confusing and misleading If it were 6 business days, the consumer notice should have reflected that to be fair and not deceptive. While on the phone with PayPal, I was told by one agent that they would refund my money immediately since the funds should have been in my account as of yesterday and they are not. I lost the call and had to call back to speak with another representative who then told me that I would not be refunded immediately due to the manner the fund was requested. I asked to speak with a manager or supervisor but was advised that there was none available. Why wouldnt a fortune 500 company have a supervisor or manager available to take an escalation call? Seems a bit odd and is bad for business. I feel like I am never going to get my money back. Please help me get back what is rightfully mine. This has caused me nothing but stress. All the loop holes this merchant has been able to find to not refund my money is ridiculous. Until I receive my refund, I will just hurry up and wait. | ||||||
| 05/12/2017 | Yes |
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| This is the complaint against unfair, deceptive, or abusive practices committed by the XXXX buy er ( XXXX ID : chas_step, email : XXXX XXXX XXXX ) who, I believe, is running a scam of fraudulent chargebacks, against PayPal and the buyers Credit Card company involved in this scam. On XXXX XXXX , 2017 , I placed a brand new item for sale at XXXX website. The following is a link to the item : XXXX XXXX XXXX XXXX ( transaction ID : XXXX ). The item was described as brand new in box boots size XXXX that I copied from the manufactures website. It was sold to XXXX XXXX on XXXX XXXX , 2017 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I b elieve that her real name is XXXX XXXX who lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL. Furthermore, in her emails to me she also impersonated herself as a child. The buyer sent me 16 em ail via XXXX . All correspondence is stored at XXXX . She receive the item on XXXX XXXX , 2017 and sent me the following email : Hi. I just recieved the boots and they are beautiful. I am sure your going to say no but the boots do not fit. I must need a size XXXX I am always a XXXX so I do n't get how they ca n't fit me. I havent stopped crying since i tried them on. Ica n't afford the boots to begin with that 's why I bothered you so much about the price. I bought them for myself for a birthday present with money I scraped together for over a year. I hope you can find it in your heart t o except my deepest apologies and let me return the boots. I will send them first thing in the morning. I do n't know what I am going to do if you do not accept this. Thank you in advance. Note : While reviewing other XXXX feedback, I noticed that this buyer used a similar excuse cant afford with other sellers. On XXXX XXXX , she opened a Return Request with XXXX . Due to the fact that the item was as described and just did not fit the buyer, XXXX ruled according to its policies that the buyer has pay for the return shipping. I contacted XXXX customer service and they told me that I dont have to accept the return if I dont want to since I did not offer return in in my items description and item was as described. However, XXXX XXXX closed the Return Request the very next day avoiding paying shipping fee for the return. On XXXX XXXX , 2017 , she opened a case with her financial institutio n ( XXXX ) claiming that she did not authorized the transaction. I provided PayPal with information about XXXX transaction, and on XXXX XXXX XXXX closed the case in my favor. In the meantime, the buyer started listing the boots on XXXX . She listed them 5 times for higher than she purchased price, but couldnt sell them. On XXXX XXXX , XXXX XXXX reopened the case with her financial institution now stating that the boots were : It was damaged or defective ; It was not as described Services were not rendered Item not received I contacted PayPal and provided the information about the XXXX transaction again. PayPals customer service assured me that the buyer has no rights to the chargeback since the item was as described and they will fight for me. I called PayPal 3 more times offering additional information. All three times PayPal assured me that they have enough documentation to win the dispute and to protect me. However, on XXXX XXXX , 2017 , I received an email from PayPal notifying me that the financial intuition resolved the case in buyers favor and, therefore, PayPal charged me {$200.00} plus pay a {$20.00} fee to PayPal. In addition, I paid {$18.00} to XXXX for selling my boots on XXXX . As the result of this fraudulent chargeback I lost {$240.00} and boots. At the same time, the fraudulent buyer has the money and the boots. I contacte d PayPal again and they told me that I dont have any remedy to appeal the case. They refused to provide any information on the case and advised me to file a law suit against the buyer. Clearly, it is impossible to file this law suit since the buyer lives in Florida. PayPal refused to provide any information about her financial institution. My basic due process rights and rights under Fair Credit Billing Act were violated since I did not have an opportunity to defend myself against fraudulent chargeback and I did not receive any documentation regarding this chargeback from the financial institution according to XXXX . PayPals business model and policies allows and even condone fraudulent transactions and scams like the one I described. While this is the first time it happened to me, I now understand that it is a common problem. I believe that allowing PayPal to be so called mediators between consumers and financial institutions without their agreement violates basic rights of due process rights. PayPal bu siness model is flawed and is abused by many scam artists without any consequences. Please HELP! Attached is XXXX of the emails I received from the buyer confirming that the item she received was as described : " Hi. I just recieved the boots and they are beautiful. I am sure your going to say no but the boots do not fit. I must need a size XXXX I am always a XXXX so I do n't get how they ca n't fit me. I havent stopped crying since i tried them on. Ica n't afford the boots to begin with that 's why I bothered you so much about the price. I bought them for myself for a birthday present with money I scraped together for over a year. I hope you can find it in your heart to except my deepest apologies and let me return the boots. I will send them first thing in the morning. I do n't know what I am going to do if you do not accept this. Thank you in advance. '' | ||||||
| 05/26/2019 | Yes |
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| My husband and I were victims of a scam through an online sale of equipment which took place between XXXX, and are now being held liable by PayPal. We were contacted by an individual through the website XXXX claiming to be interested in buying equipment from us for {$1900.00}. The individual agreed to send the money via cashiers check and to meet up with my husband in a public place after the check cleared in our account. We received the check which ended up being for an additional {$1800.00}, totaling {$3700.00} on XX/XX/19. My husband contacted the person again stating the check was for too much money. The person ( who was using the name XXXX ) said he hired movers to pick up the equipment from us and asked if we could give them the difference. We told him, after we deposited the check we would then take out a cashiers check to give to the movers for the difference. The check sent by XXXX cleared our bank ( XXXX XXXX ) XX/XX/19. XXXX then contacted us again telling us the movers would not accept a cashiers check and that we needed to wire the money. At this point my husband and I thought this transaction sounded like a scam. We told XXXX we were not going to wired the money to the movers and that we no longer felt comfortable with the transaction. We said we would refund him the entire amount, which was still in our bank account 2 days after depositing it. XXXX said he did want the refund but that he wanted us to wire it to him and provided information to someones account. We said we would not wire the funds but would send him a cashiers check. Finally on XX/XX/19, I suggested sending him the money via PayPal as I didnt feel comfortable knowing we may be involved in something scary with such a large amount of money and this person knowing my husbands work address ( where he originally sent the check ). XXXX agreed and gave us a PayPal account to send the money. On XX/XX/19 I sent {$3700.00} from my PayPal account to the account XXXX gave us XXXX XXXX via the friends and family option. PayPal fronted the funds to that account prior to processing with my bank ( XXXX XXXX ). Friday XX/XX/19 I checked my bank account and saw the {$3700.00} had been taken out but it looked like it was recalled from XXXX XXXX. I then called the bank, inquired about the charge and they told me the check we deposited XX/XX/19 was fraudulent. I immediately told them everything that had transpired with that transaction and the scam. I then called PayPal right after speaking to XXXX XXXX XX/XX/19 and also explained to them what happened. Their initial response to me was to report it to the bank, they said PayPal works with banks in cases like these and if theyre investigation ended in my favor they would be able to pull funds back from the other persons account and/or put it in the negative. I then called the local police department to report what happened. The officer I spoke with essentially said they unfortunately see cases like these a lot and that if the money left Delaware they didnt have any jurisdiction. He also said the money probably went outside of the country. The following week I noticed my bank account was substantially in the negative and a pending charge on my account - {$3700.00} from PayPal. I called the fraud department at XXXX XXXX again, they told me that with my prior call they couldnt do anything since the PayPal transaction hadnt shown up yet. Now that it had I could file a new claim, and also put a block of future attempts from PayPal to collect the funds. XXXX XXXX said they would investigate and if the investigation was found to be in my favor they would return the funds, they said that because the transaction was pending and had not posted yet, they would try to expedite the investigation. I called PayPal back, spoke to a new person about was was going on. They then told me again that they would be able to work with the bank and that they would be able to pull their funds back from XXXX XXXX account. They also told me I didnt need to call back as they would communicate with me via email. The transaction in my bank account ended up being reversed. I called XXXX XXXX to confirm and they said they ruled in my favor and were able to stop the funds from coming out of my account. I then called PayPal back to also confirm that this situation had been resolved. This time I spoke with someone new at PayPal again, but they told me that since I initiated the transaction for the {$3700.00}, I will be liable for that amount and responsible for paying it back since PayPal fronted the money on my behalf. I explained to the person everything that had transpired and what I had been told by the other PayPal representatives. I also told him what the XXXX XXXX found AND that I had already reported this to the police. The person maintained that I would still be responsible for paying and that I should also submit the police report to a link he would later provide. I submitted the police report. I then went online and reported the situation to the FBI through their online claims. I called PayPal again, spoke with someone new. I explained my story again told the person I uploaded the police report and also stated, I do not have the {$3700.00}, I was given a fraudulent check as a scam to get me to refund real money, and I didnt understand why PayPal couldnt just take the money back that they fronted to that other persons account. Now I am getting multiple emails about paying PayPal {$3700.00}, and threats to send me to collections and damage my credit. I have documentation of the returned fraudulent check, the bank sent back a copy. I also have a copy of the police report, as well as documentation of the conversation with account numbers between my husband and the scammer. | ||||||
| 01/05/2021 | Yes |
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| Paypal promoted an offering through XX/XX/XXXX that if users spent $ XXXX at select merchants, they would received a {$25.00} bonus " approximately five ( 5 ) to seven ( 7 ) business days after verification of Eligible Purchases '' Attached, please find that I completed those three purchases on Paypal to XXXX on XXXX. I have yet to receive a bonus despite clearly meeting the requirements. I've attempted to correct this with both twitter and paypal correspondence. On twitter, the response was " I am not able to review a customer 's PayPal account and then discuss any details here due to security and privacy rules, I would not be able to determine a specific reason for why you did not receive a reward '' ; on Paypal help, my inquiry was simply closed without any response at all. Further, Paypal never revealed officially that they reached their stated limit of XXXX offers. However, they promoted this offer as late as XX/XX/XXXX on social media ( see image attached with promotion and timestamp at bottom of phone screen grab ). After reviewing comments on XXXX and on other financial oriented sites, it seems I and perhaps tens of thousands of others were enticed into using paypal by a promotion Paypal XXXX have known had reached its limit but continued to promote anyway. Here is the text of the disclaimer that was in the offer I responded to. *Terms and Conditions Offer Period : Starts at XXXX XXXX Eastern Time ( ET ) on XX/XX/XXXX and ends at XXXX XXXX ET on XX/XX/XXXX ( Offer Period ) Eligible Participant : Open only to residents of any one ( 1 ) of the fifty ( 50 ) United States or the District of Columbia who : ( 1 ) have or open a U.S. personal ( including PayPal, PayPal Cash and PayPal Cash Plus ), premier or business PayPal account ( Valid Account ) ; and ( 2 ) are eighteen ( 18 ) years of age or older ( Eligible Participant ). Reward : Once the steps described below are completed and verified, Eligible Participants will earn the {$25.00} USD cash ( Reward ). Reward will be added to the Eligible Participants Valid Account within approximately five ( 5 ) to seven ( 7 ) business days after verification of Eligible Purchases ( defined below ), but may be available sooner. Rewards are only available to the first XXXX Eligible Participants to successfully redeem the Reward and will no longer be awarded once the limit is reached, as determined by PayPal in its sole discretion. There is a limit of one ( 1 ) Reward per Valid Account. You need to have a PayPal Cash, PayPal Cash Plus, or business PayPal account to have a balance. If you do not have or open one of those accounts, you can only transfer your Reward to your bank account or debit card linked to PayPal. Eligible Purchase ( s ) : Purchases of {$35.00} USD or more made at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX ( including purchases at XXXX XXXX, XXXX XXXX, XXXX XXXX, but excluding XXXX XXXX ) ( collectively, Participating Merchants ) in USD using a Valid Account during the Offer Period ( Eligible Purchase ( s ) ). Eligible Purchases do not include : ( 1 ) send/receive money transactions ( including those marked as a Goods and Services payments ), ( 2 ) charitable donations, ( 3 ) purchases made using PayPal.me ; ( 4 ) PayPal Cash Mastercard, PayPal Cashback Mastercard, PayPal Prepaid Mastercard, PayPal Extras Mastercard, and PayPal Business Debit Mastercard purchases made using the card directly and not through your Valid Account, and ( 5 ) in-store purchases at Participating Retailers. If an Eligible Purchase is returned, refunded, results in a failed capture, or otherwise does not complete during the Offer Period, that Eligible Purchase will not qualify toward earning the Reward. How to Qualify : The are different ways to qualify for this Reward depending on whether the Eligible Participant has an existing Valid Account or opens one during the Offer Period : Eligible Participants with Valid Accounts as of the start of the Offer Period must activate the offer as described in the invitation to participate and, then, make three ( 3 ) Eligible Purchases. Eligible Participants who sign up for Valid Account during the Offer Period must then make three ( 3 ) Eligible Purchases. Signing up for a Valid Account is subject to verification by PayPal. Miscellaneous : Valid Account must remain in good standing from the time of participation through Reward fulfilment to redeem a Reward, as determined in PayPals sole discretion. PayPal may provide an alternate reward of equal value if it is unable for any reason to fulfill the Reward. PayPal reserves the right to cancel, suspend or modify this offer in part or in its entirety at any time without notice, for any reason in its sole discretion. Similar offers may run at the same time ; qualification for this offer does not constitute qualification for any other offer. PayPal is not responsible and/or liable if any e-mail, Reward, Eligible Purchases, or offer-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participants e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without participant giving prior written notice to PayPal. Offer is void where prohibited and if Eligible Purchases are fraudulent, abusive, not completed through legitimate channels, or irregular in any way. Certain offers may not be transferable. Participation is subject to the PayPal User Agreement. Any questions relating to the offer will be resolved in PayPals sole discretion and its decisions related to the offer will be final and binding. | ||||||
| 05/10/2023 | Yes |
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| I'm filing this complaint against PayPal for unresolved and outstanding issues regarding Fraudulent activity made on my PayPal account. I was disputing a fraudulent seller ( XXXX ) on PayPal whom withdrew funds using PayPal and provided no goods or services. I ordered a {$55.00} electric shaving razor my PayPal account was drawn for the transaction and I received no product and/or shipment or service. I reached out to the seller to no avail. My emails were ignored and the contact phone numbers were disconnected. I sent a series of emails to PayPal to dispute the seller as fraudulent. And was told that because I filed a dispute with the credit/debit card XXXX Bank that I would be required to work with that credit entity solely until the dispute is resolved. Because PayPal provided guaranteed payment protection and refunds due to fraud... I contacted requesting that the cancellation of the initial claim with XXXX ( as communicated through PayPal ) shall not proceed. However upon contacting PayPal regarding the issue and escalating the issue with the XXXX XXXX XXXX. PayPal determined 'falsely ' that the XXXX Bank dispute was still pending an outcome which is not true. The XXXX Bank claim is resolved and the PayPal dispute and claim should proceed as requested. PayPal provided a 'false narrative ' and did not correctly address the issue and/or read correctly the information submitted to them. Again I provided the disposition of the claim made through XXXX Bank to PayPal. I'm requesting as I requested earlier Payment protection due to fraud. And a refund of the payment made through PayPal of {$55.00}... PayPal would not take responsibility. -A total lack of resolve on the part of PayPal XXXX Total ignorance and lack thereof of responsibility. The complaint written to the XXXX XXXX XXXX was beyond warranted and the matter was/is still 'unresolved ' ... PayPal should have addressed these issues as they occured. This is not customer ( support ) service at all. What it is is bad/poor customer support ( if you can call it that at all ) ... services that are inadequate for anyone 's use. PayPal is solely responsible for the Fraudulent illegal activity ... and instead of resolving the issue ( s ) is protecting the use of Fraud and Fraudulent activities... This is illegal! And is 'Against the Law '. ( PayPal loses over XXXX XXXX XXXX dollars every year to Fraud ) On XX/XX/XXXX I received a notice via PayPal that read the following ... " Please contact your financial institution ... '' -You will need to contact your financial institution or credit card company directly for additional information and final resolution regarding the disputed transaction. If you want to cancel that claim you will also need to contact your financial institution directly ( clicking Cancel case in the PayPal Resolution Center won't cancel the claim with your financial institution ). This implies that Paypal can not continue until the claim is cancelled. Why would they ( Paypal ) be providing me the above statement...? The claim with XXXX Bank was never processed there was no dispute or claim. PayPal claims they can not continue or decide this case ... because a claim was processed with another institution. This is 'not ' true! No claim was ever processed. On XX/XX/XXXX I contacted PayPal with the following ... 'Im in the process of cancelling the claim with XXXX Bank XXXX Please provide re-assurance that once completed I'll have refund protection through PayPal. I want to check to make sure... Thanks for all you do. ' I did not receive an immediate response so I contacted again the following day XX/XX/XXXX.... Please provide the information I'm requesting. If I cancel my claim with XXXX Bank... may I continue with my disputed claim filed through PayPal? Or may I have to re-file? Please respond with the information I'm requesting as this is a time sensitive matter. Paypal ignored and/or refused to respond to the above letters. They provided no acknowledgement and no reason for there failure. I contacted again on XXXX... Please continue with the case filed against XXXX... The dispute filed with XXXX XXXX Bank has been dis-continued. Therefore, there is no longer a conflict of interest. Again please continue with my initial complaint filed against XXXX. Again the letter was ignored and not responded to. I received 'zero ' communication not one letter of acknowledgement to the above three letters. I did not receive a response from PayPal until I filed a complaint with the XXXX XXXX XXXX. No response was received by the XXXX XXXX XXXX till after XX/XX/XXXX ...? I wrote ... 'All information sent and received by the Bureau is open to public scrutiny ... And released as Public Information '. I advise that you respond to Complaint # XXXX in kind with the XXXX XXXX XXXX. They were a 'Failure to Respond '. It's obvious to me that something is seriously wrong with PayPal. Why did they refuse to respond? And why did it take them so long to respond? - '' This is a time sensitive matter. " -? Again PayPal claims they can not continue with the case because a claim has been processed by another institution. No claim was ever processed. You can verify this information by contacting XXXX Bank -no claim was ever processed. PayPal is a failure for providing inadequate customer service and implicit in protecting the use of fraud and fraudulent activities- PayPal 's failure to communicate is the direct result for/of these issues. PayPal needs to take responsibility. And acknowledge there wrongs. I am owed a refund on my PayPal account due to fraudulent activity. Sincerely, XXXX XXXX XXXX XXXX enclosure | ||||||
| 12/08/2023 | Yes |
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| Hi. My name is XXXX XXXX. So basically PayPal has been holding my funds, {$2600.00} to be exact even before my account was permanently limited which is the problem that I'm having now and also another concern that has been brought to my attention that I will bring up towards the end of this complaint. PayPal claimed after I changed my number on my profile it triggered some sort of an " internal security '' block within their system. I bring this up because for over a month I tried transferring my funds to my original bank to avail. Fast forward a few weeks and they randomly out of the blue, temporarily limited my account with XXXX warning, nothing. I submitted all the proper documents to verify my identity as they requested and it got " restored. '' Transferring the rest of my funds from my PayPal balance still did not work. After that, the very next day I log in to find out that they had permanently limited my account and said they will release my funds in 180 days with no warning, no further notice and the explanation that they gave me when someone from the executive branch reached out was absolutely fabricated or straight up lies in some aspects. I actually filed a complaint a couple weeks before this happened with the XXXX prior to having my account permanently limited because of fund transferring issues that I had mentioned earlier and someone from the executive office of PayPal got back to me after a couple of weeks later thru the messaging portal on PayPal. The communication was extremely inconsistent, infrequent, promised to give me a call. I gave him a time, date which he asked me to do and I received no call. He also claimed this happened, the " internal security block '' before the permanent limitation because he was saying I was using a proxy browser but that's completely untrue as the browser I use actually doesn't have that. It's something you to manually set up within the browser to activate that feature so that was completely inaccurate. I don't know if there's a que or when I'll receive a response but I hope I do hear back soon because I've been dealing with this whole ordeal for over a month now and I've really been stressing out because of this and nobody at PayPal, even people in the higher ups want to help me. I believe that they policy they have in place ( the user agreement ) is not as black and white, at least for my situation as it's made out to be. I truly believe that their goal was to freeze my money to gain interest thru my funds by holding it for an unknown period of time and invent false reasons to " internally block '' my account thru their system, then hit me with the final flow by permanently limiting my account. Another reason they claimed my account was permanently limited was due to their claim of " excessive disputes '' filed, but what makes no sense to me is that they approved them. How are they going to approve them and try to use it against me later? Furthermore none of these disputes were illegitimate. The amount of disputes do not negate the legitimacy. They told me they gave me a warning but continued with the activity. False. They did give me a warning, I'm an honest person I'll give them that so I ended up actually closing out a current claim I had and even let the merchant I was disputing with take my money to make sure my account was in good standing. The thing that paypal does is leave out context and detail. Look at the end of the day, my money should've been out a long time ago, before my account had any " problems '' to begin with. I guess the other major concern that I really do want to prevent here is after doing my own research and finding MANY MANY cases like mine, after waiting the supposed " 180 '' days PayPal tells you to wait to have your funds released, many people 's funds were either never released or had their funds completely stolen from them and left them at XXXX. Why I'm concerned is because I actually couldn't find a single example online of someone actually being able to retrieve the rest of their PayPal funds after the 180 days. So even if I accepted this completely despicable disgusting action by PayPal, I don't actually believe that they'll even release the rest of my funds to me after the 180 days have passed since there are no prior examples of it online and trust me there are hundreds of forums of people discussing about how their account and funds frozen. These aren't isolated incidents. A class action lawsuit was filed against them before as well. So they have a clear track record of practicing shady consumer business practices. I already filed a complaint with the XXXX and nothing was done to help my situation. Someone from the executive office contacted me which was completely useless since they're not on my side and have explicitly told me their decision on my account is final. I really need someone outside of paypal to step in. I also can't afford to afford an attorney. My final option if a settlement can't be reached here is to file a smalls claim but I really want this resolved before it gets to that point where it won't cost me more money than it has because the funds on hold isn't just some little money. It's XXXX cents. That's a lot of money to hang over someone's head for a lot of alleged things that they only alleged to me. They have yet to provide me any actual proof that I've done any of the things they claim nor given me the option to appeal. I really need help on this to come to a resolution and really the only resolution is for me to be able to have access to my funds and transfer them to my bank so I can wipe my hands and be done with this thieving, immoral, despicable company. | ||||||
| 04/10/2020 | Yes |
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| To whom it may concern, My name is XXXX XXXX I currently hold an account with the paypal On XX/XX/XXXX I checked my paypal account and it said i was negative - {$300.00} I called paypal up and spoke to an agent she advised me that on the XXXX of XXXX paypal received a withdrawal from a consumer stating someone bought a product from me, I had advised the consultant I don't own a business to have sold any product to anyone I then advised her I wanted to dispute this transaction and she advised she would look into it for me About a couple weeks after this I tried to use my paypal card and noticed my account had been blocked, I reached out to paypal and was advised I could only contact then via live chat due to the corona pandemic, they were investigating my account and needed the accurate documentation in order to get my account up and running again, which included a statement of my chime card which is attached to my paypal, reset my password, photo ID, and a copy of my credit card, which I had advised them on many occasions I did not have one, they also advised me as soon as I uploaded all the necessary information they would unlock my account As of XX/XX/XXXX I had spoken with an agent named XXXX who advised me the {$300.00} had been placed back in my account and I was no longer negative, I also asked him when i would have access to my {$110.00} he advised me as soon as I uploaded a bank statement from XXXX my account I will be good to go Today XX/XX/XXXX I went into my paypal and had seen my account was yet again - {$300.00} and my hard earned money was sent to ( XXXX XXXX ) I have been on there live chat system since XXXX to XXXX i spoke with XXXX from the Limitations Department he advised me ( There isn't protection for a payment that is received as a personal payment. We can not control the fact when a payment is sent to you and the merchant or the individual chose to dispute then we stop it. The merchant did contact her financial institution directly not PayPal to dispute the transaction. It shows that you received the payment from XXXX and " XXXX disputed the transaction with her financial institution. However ; It show that you lost the case was against your paypal account. ) I also recieved an email from paypal advising Hello XXXX XXXX, Your buyer 's financial institution has informed us that the following case has been decided in the buyer 's favor. Here are the case details : Case ID : XXXX Buyer 's name : XXXX XXXXXXXX XXXX email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$300.00} USD Disputed amount : {$300.00} USD We understand that you may not have been expecting this chargeback. If this debit has made your PayPal account balance to go negative, please log in to your PayPal account and add money to your balance. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our XXXX XXXX XXXX. Thanks, While on live chat I had advised paypal agent XXXX and advised him on what happened he did not care what I had to say, I advised him if i could speak to someone else a supervisor or a senior to get this resolved as I advised him I had an illegal transaction came out of my account in XX/XX/XXXX and now in XX/XX/XXXX I have the same people who stole money out of my account request a refund and in total i have lost {$600.00} to scammers, XXXX advised me he would keep the thread open and if I had any more questions he would assist me, i sent at least 5 massive paragraphs and got no reply I have done my own research about this case, on XX/XX/XXXX the transaction come up as a negative - {$300.00} and then in XXXX the status was changed to + {$300.00} from XXXX which makes paypal think that the person put the funds back in my account which did not happen at all then, on XX/XX/XXXX I seen an amount for - {$520.00} from XXXX XXXX for flights and accommodation and I had seen a credit card added to my account which I kept advising paypal that is not my credit card and how do i go about removing it, as earlier that day I changed my password as I felt my account had been hacked, now XX/XX/XXXX the account is sitting again - {$300.00} again and I find this whole situation completely frustrating that no one has even bothered to investigate any of this and have straight away sided with the scammer and given them {$600.00} in total I feel compliance and my privacy has been completely broken and don't have any trust in banks In the time that all this occurred I had my family and friends and clients from all over the world send me money to assist me in this pandemic XXXX deposits while my account was negative XX/XX/XXXX $ 15+, from XXXX XXXX XXXX on the same day the XXXX of XXXX a $ XXXX from XXXX XXXX , then XX/XX/XXXX for $ 65+ XXXX XXXX which was added to the negative Deposits from friends during epidemic XX/XX/XXXX XXXX XXXX sent me {$55.00} and XXXX XXXX for {$3.00} XXXX of XXXX XXXX XXXX for {$25.00} Paypal cash card transfer XX/XX/XXXX paypal cash card {$20.00} then {$8.00} from th paypal cash card on the same day {$240.00} in total was deposited in my account to help me out with the pandemic, I have lost {$840.00} in a blink of an eye and I'm seeking justice In the time that this has all occured my phone has been d/c due to not having access to my paypal during a pandemic If someone can pplease reach out to me either by my number XXXX XXXX XXXX XXXX if my number is still d/c due to paypal not allowing me access to my account please email on either XXXX or XXXX Thank You Kindly Have a Blessed Day XXXX | ||||||
| 10/10/2017 | Yes |
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| Hi, To briefly state my legal points : Paypal is operating as a financial institution with power of seizure, without legal authority to do so. Paypal is committing felony fraud ( possible laundering activities going on as as well, since it seems to be widespread and ongoing ), but just my own money is {$4700.00} Paypal is refusing to release funds, not belonging to themselves, which is called grand theft. I have been a PayPal account holder for more than 10 years and never had any major issues nor violated any policies in the past. Recently (XX/XX/XXXX ) I received an email from PayPal support that one of my newly added listings is violating " PayPal 's Acceptable Use Policy '' and that my account has been permanently limited without an option of appeal. In addition to that, under my PayPal account, they have posted and immediately closed a case where they stated : " XX/XX/XXXX : When you signed up for your PayPal account, you agreed to our user Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. Please remove any references to PayPal from your website you 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn ( Your case ID for this reason is XXXX '' Screenshot of this message is attached " XXXX '' In addition to that, PayPal stated : " Under the PayPal Acceptable Use Policy, PayPal may not be used to send or receive payments for items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction. This includes transactions for any device or technological measure that descrambles a scrambled work, decrypts an encrypted work or otherwise avoids, bypasses, removes, deactivates or impairs a technological measure without the authority of the copyright owner. This also includes transactions ( WE HAD 0 TRANSACTIONS FOR THIS LISTING, 0! ) for devices that allow domestic video game consoles to play back-up or import versions of games, such as mod chips, game enhancers, boot disks, software packages that remove protections from DVDs, HD DVDs and Blu-Ray DVDs and allow the user to copy the protected information into other formats, and card sharing services, which is a method of allowing multiple digital television receivers to access subscription television services with only one paid subscription card. " While I completely disagree on PayPal 's accusations that my company violated any of their policies, especially trademark/copyright policies, PayPal is basically claiming that my company violated their user agreements based on the Transactions which NEVER happened. The listing based on which they have limited my account never had a single sale or transaction, it was added 4-5 days before they blocked the account, which contradicts their statement. While I no longer want to be any part of PayPal, they are forcefully holding onto my money without allowing me to withdraw it, in the amount of : {$4700.00} ( screenshot is attached " XXXX '' ) for at least 180 days, which is absolutely unacceptable and is a criminal action against me. This is disregarding the fact that I currently have 2 XXXX stores completely on halt, because of this, which I am now considering closing down as XXXX is like a PayPal in a mirror. Now, as for the listing, which they used to steal my money, based on PayPal 's side : I am breaking some sort of their rules/trademark violations. The listing ( which is already removed ) contained a system, built on XXXX XXXX XXXX, with 2 pre-installed operating systems : XXXX and XXXX, which are both under XXXX XXXX XXXX License ( XXXX XXXX XXXX ), which allows " The terms and conditions of the GPL must be made available to anybody receiving a copy of the work that has a GPL applied to it ( " the licensee '' ). Any licensee who adheres to the terms and conditions is given permission to modify the work, as well as to copy and redistribute the work or any derivative version. ". The unit is enclosed within a similar to classic XXXX ( XXXX XXXX XXXX ) casing, which is freely sold on XXXX and everywhere else, without any XXXX labels and such. In addition, several peripherals are included with the system, which are simply purchased and re-sold. Now, if PayPal would let me know that such listing does not comply with their policy - I would happily remove the listing and go on, however, with PayPal completely locking down my account and basically stealing my money - I want nothing to do with such a horrible and criminal company and withdraw my money immediately! Mainly, I no longer want to be PayPal 's customer, based on the most recent huge amounts of complaints from buyers AND sellers who use/used PayPal : 1 ) https : //XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 3 ) hXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX I tried calling PayPal couple of times, which usually ends with extensively long hold times/call rops and when i finally able able to talk to someone - they have no information to provide or anything they could help with the matter. The only thing they would suggest is to email XXXXXXXXXXXX and that they will create a ticket in " that '' department. So far I have not heard nothing, am very concerned about MY money! In addition to that, it is a shame, that this so called " company '' is getting away with ripping so many people off. Therefore, I am asking for any help possible to push on PayPal to stop practicing such criminal activities and give their customer 's money back! XXXX XXXX | ||||||
| 07/12/2021 | Yes |
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| On XX/XX/XXXX, I received an email from Paypal at XXXX XXXX ( ET ) indicating that a purchase was made in the amount of {$1400.00} at XXXX through my XXXX XXXX card, which is linked to my Paypal account. Knowing that I have not made a purchase at XXXX since XX/XX/XXXX ( which was in store with a visa card ), I immediately logged into my Paypal account to see the transaction. I called Paypal to alert them to the fraudulent charge at XXXX XXXX. They immediately entered it into the system as fraud and provided a claim number. I explicitly asked them what the next steps are and if I needed to also contact XXXX XXXX, since the charge was attempted on the credit card through Paypal. I was told by the Paypal employee to next contact XXXX XXXX to alert them. Following their instructions, I next called to talk to an XXXX XXXX agent at XXXX XXXX, filing the charge as fraudulent. They could see a pending charge for a portion of the funds ( the purchase on Paypal said a small charge would first be placed on my credit card to verify funds to cover the purchase ). XXXX XXXX deemed the charge as fraudulent. They put a stop to the charge ( which was in process, not yet posted ), canceled my credit card, and issued a replacement card ( which was delivered the next day on XX/XX/XXXX ). I received an email notification from Paypal on XX/XX/XXXX saying that they could no longer investigate the claim because it was also being investigated by XXXX XXXX. I was on vacation through XX/XX/XXXX and was not able to contact Paypal to inquire about this email until I returned on XX/XX/XXXX. This morning XXXX XX/XX/XXXX XXXX, I logged into my Paypal account around XXXX XXXX, where I noticed my balance was {$0.00} instead of the expected {$1400.00}. I called Paypal at XXXX XXXX and spoke to a male representative ( after waiting on hold for nearly 25 minutes ) who told me that because the claim also went through XXXX XXXX, I can only recover {$86.00} XXXX the amount attempted to be charged to that card ). The remaining balance of {$1400.00} was taken out of my Paypal account. The Paypal rep said that money is not recoverable. I asked to speak to a supervisor, and I was hung up on during the transfer. I then called XXXX XXXX. The representative said that what Paypal was saying made no sense and that I should not be liable for the fraud. He requested permission to stay on the line while I call Paypal back so he can ask them a few questions to help me recover the money. Together, we waited nearly 30 minutes and finally were connected with another Paypal representative. She put us on hold to pull up my account, and again disconnected us. We then had to call back a third time, waiting another 30+ minutes ( at this point, across the three calls, I was on hold for over an hour and a half ). I finally got someone who explained to us that there was nothing she could do except try to escalate to the dispute team. We told her that they can go back and listen to the recording from XX/XX/XXXX in which Paypal advised I contact XXXX XXXX. That this issue was caused by them but they are unwilling to get me my money back. She still said there was nothing they could do. I then requested to speak to a supervisor. After an hour and 20 minutes, the XXXX XXXX rep and I were still on hold to reach a supervisor. During that time, I called XXXX at XXXX XXXX to see if there was anything they could do. I provided them with the transaction information. XXXX confirmed that it was a fraudulent purchase and that the scammer tried to change the shipping address but was denied due to XXXX deeming the purchase as fraud. XXXX suggested that I contact the banking institute to resolve the charges. This brought me back full circle to Paypal. At this point, I had spoken to no less than 5 people over a continuous period of 5 hours. Mind you, the XXXX XXXX agent and I were still on hold on the other line with Paypal. He and I determined that that point that the best would be to hang up, and I would try to call Paypal back again. I then hung up the hold with Paypal, assuming that after nearly an hour and a half, no one would answer. I called the customer service line ( again ) at XXXX XXXX and was on hold ( again ) for over an hour and 20 minutes. I finally reached a supervisor at Paypal named XXXX who told me there was nothing he could do to help me recover my funds. He advised that I sue Paypal/take them to small claims court to get my money back. I couldn't believe he suggested I sue his own company. When I repeated that back to him ( wait, so you, an employee at Paypal, suggest I sue your company?! ), he stumbled, retracted, and said that I should do what I think is necessary to get my money back. At this point, I have lost over 6 hours of my day and am still out {$1400.00} because someone hacked my account to make a fraudulent purchase. I then asked XXXX to confirm that all phone calls are recorded by their systems. He confirmed that yes, all calls are recorded. I asked him to please go back and find the XX/XX/XXXX phone call where his staff was the one who caused this whole problem. He then put me on hold ( about 30 minutes ) and told me that he could not find the recording. This seemed rather convenient that they claim that they have lost the proof that their own staff were the cause of this issue, causing me to lose {$1400.00}, which was stolen from my account. I am beyond disgusted at the hoops I have to jump through to get my money back. If necessary, I plan to pursue legal action, report them, and contact the news. I would appreciate any help I can get so that I do not lose money stolen from me. | ||||||
| 04/11/2021 | Yes |
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| I WAS TOLD BY A LIVE REPRESENTATIVE ON THE PHONE ABOUT 3 MONTHS AGO THAT IN MY NOTES ON MY ACCOUNT THAT IT SAID MY BALANCE WAS TO BE REVIEWED AFTER THE 180 DAY HOLD PERIOD WAS UP AND MY ACCOUNT SHOULD BE PLACED ON THE ADDITIONAL 180 DAY HOLD DUE TO MY ATTITUDE WITH THE FIRST REPRESENTATIVE THAT I SPOKE WITH WHEN MY ACCOUNT FIRST BECOME LIMITED. WHEN SPEAKING WITH SUPERVISOR RIGHT AFTER I SPOKE WITH HER ... HE ASSURED ME THAT SHE HAD MADE A MISTAKE AND THAT HE DIDN'T SEE ANYTHING LIKE THAT ON MY ACCOUNT NOTES ... BUT WEIRDLY ENOUGH ... .I HAVE NOW BEEN TOLD MY ACCOUNT WILL REMAIN ON HOLD FOR UP TO AN ADDITIONAL 180 DAYS. On the PayPal app there is an advertisement that states " Use direct deposit for government & payroll payments '' and since I had started receiving PUA unemployment payments, I decided it would be easier to just have it deposited into my paypal account, so I signed up for the required account to do so. No where does it say in those " user terms and agreements '' that you're not allowed to get retropay or backpay, and since you have to sign up for a paypal plus account they should be FULLY aware that these things tend to happen when you are getting payments through unemployment. On XXXX XXXX, XXXX and XXXX XXXX - {$300.00} was deposited and another deposit on XXXX XXXX of {$180.00} was deposited from Ohio Department of Job and Family Services from Unemployment. It clearly states who the sender is and obviously it's not fraudulent transactions seeing how it also states its a deposit from a federal bank. Also I want to add there was only 4 other transactions from that month and the most recent one before those payments was a week before this. On XXXX XXXX XXXX, I received messages from PayPal stating that my account was limited and that I needed to prove my identity in order to continue using PayPal, which I did. Then I got an message stating that PayPal was no longer letting me use their services because of suspicious activity. I do know that in PayPal terms and agreements that I agreed to allow them to hold my money for ANY given reason at ANY given time for 180 days. And as long as there is no disputes from anybody at all, they would release my balance to me but they were no longer offering services to me. On XX/XX/XXXX was 180 days. No disputes were filed against me and nobody wanted a refund from me because I don't do any buying or selling through PayPal which I tried to explain but got no where saying anything to any of the representatives or the supervisors. One of my more recent conversations with an agent, maybe 3 months ago, she told tell me that on XX/XX/XXXX that my account was marked for another limitation to be set for my account on that exact day, that I was suppose to have my funds released to me. When speaking with the supervisor he assured me that she had made a mistake but low and behold. I contacted PayPal and requested my money and PayPal still hasn't released my money from my account balance. There is nothing suspicious on my account and PayPal can't even tell me why they shut down my account ... They keep saying its internal and they can't disclose that information. I can't talk to anybody higher up through the phone support because supervisors is as high as it goes. I was told it was " suspicious activity '' on my account that made them permanently limit my account but I don't see what is suspicious about getting retropay or back pay from unemployment. I just want my money issued to me so I don't lose my place to live or anything like that due to them STILL holding my money. I feel like with it being offered on the app to get those direct deposited and then limit my account and hold my funds until wheneven they want to because of them deposits ... that would not be something they should advertise on the app or website. Because obviously they know these type of things happened. I also can't have them reissue the payment back to ODJFS because they said my account is restricted and they are refusing to do that. IF PAYPAL is holding my money due to " security reasons '' that they can not disclose to me like a government facility or court order, then that would be unemployment that would be wanting the money back so they would be able to issue a refund to ODJFS because its federal money and I wouldn't be going through all this in the first place. You can't advertise things like that if you are going to turn around and hold my funds due to too many deposits or suspicious activities. Also I should have my funds available for me to withdraw at this point because in the user terms and agreements it also states that it would only be held for 180 days UNLESS certain things apply such as someone opening a dispute for a refund or other things. I was also told by 3 different supervisors that after 180 days, my funds would be available and that I would receive an email about how to go about getting my money ... .So why is my money not available and why are you guys now telling me you have to hold on to it for longer and you don't know how long it will be. There is a whole website called screwpaypal.com due to the ABSURD things your company does and causes. I will submit this daily and I will be contacting PayPal daily until this is solved. I also signed up for my PayPal account in XXXX of XXXX and I believe the user terms and agreements is update and modified and changed atleast once a month... So I would also like to see a copy of the user terms and agreements from XXXX XXXX. Isn't paypal CONSTANTLY updating the terms and conditions due to all the lawsuits that are happening to PAYPAL | ||||||
| 05/14/2020 | Yes |
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I've tried removing an inactive/unfunded bank account from Paypal multiple times. I even recorded a video of what happens when I attempt this. I get a blank screen and the account is not removed.
I added a new funded account and set it as my preferred payment method for everything in XXXX, XXXX. They continue to charge my unfunded account and cause NSF fees. They have done this exactly 5 times and caused 2 NSF fees and caused another CC payment to be late because the account was unfunded due to a transaction they processed on an account that was not preferred, funded, and could not be removed from the system ( again I have a video of this process recorded on XX/XX/XXXX that shows the failure ).
I then tried to close my account. When following their directions to close my account, I receive the following message : " There's a pending transaction that needs to be completed first. If you'd like help with that, you can email us or call us at ( XXXX ) XXXX ( Mon-Fri, XXXX ET> and XXXX, XXXX XXXX XXXX ET> ). '' There are no pending transactions that I can see, and I try closing this account multiple different ways after cancelling / removing everything that the site lets me ( which isn't much ). I decided to reach out to chat support. Here is a transcript of the chat that takes place on XX/XX/XXXX : XXXX Start of transcript " PayPal Virtual AgentXXXX XXXX Hi! I'm PayPal 's Virtual Agent. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''.
If I can't help, I'll transfer your message to an agent.
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| 03/21/2023 | Yes |
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| On XX/XX/XXXX, Paypal sent me the following email : You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. We regret any inconvenience this may cause. My account is rarely used, only to transfer small amounts of money to a sports betting site. I assumed my relative inactivity was the cause for the limitation, rather than any risk ( Ive had no fraudulent transactions associated with my account ). I went to their website, attempting to get to the bottom of the issue, but there was no additional information to be had. All links led to the same dead end and the following statement : " You can't use PayPal anymore. At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : [ redacted ] '' While my account remains limited, it is still open and vulnerable to phishing attempts, like one I received on XX/XX/XXXX in the form of an invoice. I immediately knew that the invoice was fraudulent, someone I dont do business with. Per the suggestion on Paypals website, I forwarded the phishing attempt to their dedicated email address XXXX. I returned to their website, tried to close my account, in order to prevent this from happening again, and was denied, with the limitation being cited as the reason for the denial. So, I decided to call. On XX/XX/XXXX, I called Paypal and, through their automated system, expressed interest in deleting my account. I was quickly connected to a customer service representative. I provided personal information to the representative, in order to confirm my identity. She had her confirmation and asked what I would like to do. I said, " I would like to close my account. '' She took a minute and said, " It looks like your account was limited. '' I told her I was aware of this, and that if they're not going to allow me to use the account, I would like it closed altogether. She sidestepped the request, expressing that that cant happen because my account had received this limitation, the details of which are not provided to me by Paypal. She repeated the line that Paypal had decided to " stop doing business, '' and I said I agreed : " I don't want to do business with Paypal either, so there's no point in my account existing. '' I still could not close my account. I asked, " Does that mean that Paypal is holding my financial information hostage? '' She sidestepped the question. I said, " So Paypal is going to retain my financial information in perpetuity and I have no recourse against that, '' which the representative confirmed, adding, Its in our bylaws. I asked, Is this practice uncommon? She replied, No it is not. So, through fine print, Paypal has gotten users to agree to allowing Paypal, through its own internal security ruling ( which they do not disclose to the user ), to justify effectively placing in limbo any account they deem unworthy while still maintaining possession of the users personal financial information. Considering the importance of a persons financial information and its bearing on their livelihood, how is this practice permitted by the federal government? I understand that it's in Paypals bylaws, but buyer beware does not apply in this case. This was a business relationship, Paypal exploited it, and now my personal livelihood is at risk. Additionally, could I now be under threat of a High Volume Dispute fee based on [ my ] activity for all existing and future cases [ I ] receive, with future phishing invoices counted as cases? All is unknown and I must worry about all of it, because Paypal refuses to dispose of my financial information. This practice should be punished as a base scam, one that only exists to retain vital financial information -- -the misuse of which could greatly jeopardize a person 's livelihood, moreso since financial information may be no longer eligible for PayPal Seller Protection. Paypal is one of the largest digital wallet companies in the world, with millions of users. The CFPB should take immediate steps to pursue investigation of and action against Paypal, ceasing this exploitative, potentially hazardous practice, and allow me to remove my financial information from their possession. | ||||||
| 09/21/2020 | Yes |
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| CFPB - XX/XX/2020 Complaint On XX/XX/2020, a Client of ours filed with PayPal ( PP ) for a {$410.00} refund ( PP Transaction ID XXXX, Case # XXXX ), which {$410.00} PP immediately removed from our PP account. The {$410.00} was a NON-REFUNDABLE down payment by the Client for a unique, customized handmade device we made for the Client thru our company, XXXX XXXX XXXX XXXX XXXX ( XXXX ). We filed a dispute with PP, XX/XX/2020. PP states on its site that these types of disputes are normally resolved in 5 days. Now, 60 days have expired and PP still has not returned our money. When we filed our dispute with PP about this chargeback, we provided PP detailed contract information to prove that the Client was NOT entitled to any refund. However, PP assumes it can override contracts between buyer and seller just on any whim, regardless of what type of item was sold or the provisions of the contract. But we suspect that the real purpose for PP to take ultra-long periods to resolve complaints or to never resolve them is to float or outright steal the withheld money. To do that, we believe that PP engaged in fiduciary malpractice and third-party interference into a legally-binding contract. In short, clearly PP stole our money. XXXX XXXX XXXX, XXXX creates unique and customized electronic and mechanical devices, based on the specifications the Client specifies in our Customized Devices Application Form ( CDAF ) contract. Our customized devices are not available from any other source. The CDAF requires that the applicant Client fully and unconditionally agrees to the provisions of our XXXX webpage. These policies state the following, which PP nullified :. ( 1 ) The required 1/3rd down payment ( {$410.00} in our case, paid for thru PP ) is NON REFUNDABLE if we attempt to provide the Client a device. We completed and successfully tested our device, and the Client received our device, so therefore, the down payment is not refundable. On this alone, PP had no right to honor the Client 's complaint. . ( 2 ) Because our devices are unique and customized handmade by professionals in the U.S.A., they are much more costly for us to make than mass-produced devices using low-paid factory workers, AND our unique devices can not be resold if returned, is why we require on our XXXX webpage that if the Client finds a defect or omission that occurred at our end, the Client must provide us a reasonable opportunity to repair or replace the defect or omission. The Client did not take this required step. . ( 3 ) On our XXXX webpage, the Client fully agrees to not reverse any charges without first giving us a fair chance to repair or replace the device. PP enabled the Client to also breach this contract provision. . ( 4 ) The device has not even been returned to us! Much less returned to us with the Return ID # we require for safety and security reasons to make sure that the package is one expected by us. PP claims that the Client provided PP a Tracking #, but in the U.S., one can reserve a Tracking # without actually physically shipping the package. . ( 5 ) Against our policies about not paying us thru PP ( because PP has serious security issues ), the Client paid the {$410.00} thru PP. We finally relented on accepting the PP payment, because the Client needed the device right away and we did not want to delay any longer, and because hassling Clients is seldom a good thing. . ( 6 ) We shipped her device in excellent working condition. We tested it here and it was fully functional. The Client is located in XXXX, and complained that her package was being held up in XXXX, which means that XXXX Customs likely manhandled the device. We ship FOB our shipping point ( one of our XXXX policies ), and are not responsible for damages and losses which occur enroute or at the Client 's end. If PP is permitted to arbitrarily, capriciously and for its own profit nullify business contracts, then how can businesses even have contracts with their Clients to begin with? This is a gross interference and disruption of businesses and an existential threat to the free enterprise system. There are vast differences in what businesses require to successfully function, make a profit, and provide their quality products and services to the public, so a one-size-fits-all PP refund policy can not possibly be fair and reasonable to all business types. And PP policies can change on a dime, without prior notice to or permission from PP users. PP policies may work fine for someone selling items that can be restocked and resold that lose little if a product is returned, but because our devices are all unique, custom made and costly, if refunded without reasonable justification and a chance to make good, is a large total loss to custom shops like us. Therefore, it is a very reasonable contract provision for us to require that the Client first give us a fair chance to repair or replace the device, which this Client did not do, before asking for any kind of a refund, and to require receipt of the returned item if a return later becomes justified. Regardless of what PP claims, PP has the fiduciary duty to us to responsibly, fairly, reasonably and timely handle transactions of ours thru PP. We complained to PP several times about both their unjustified ripping us off of {$410.00} from our PP account and the endless amount of time it was taking to resolve our case. PP refused to justify the former, or give us an end date for the latter. It is difficult and some times impossible to communicate with PP. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. | ||||||
| 08/27/2017 | Yes |
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| On XXXX/XXXX/XXXX I received an email from PayPal Inc.that stated the following : " A direct debit you requested on or after XXXX XXXX from your XXXX XXXX account was rejected by the bank. A new compliance regulation requires that a physical address be available on all accounts. Your XXXX USD transaction with the merchant completed, but PayPal never collected the funds. In order to correct this oversight, PayPal will be debiting your PayPal account for this amount in 5 business days. If your PayPal account balance isnt sufficient to cover the amount of the transaction when we debit your account, your PayPal balance will become negative. Please ensure sufficient funds are in your account to prevent a negative balance. To fund your balance, you can add funds through a transfer from a bank account or receive a payment into your PayPal account. We apologize for any inconvenience this issue may have caused and appreciate your understanding. If you have any questions, contact us by using the Help & Contact link on any PayPal page. Thank you for being a PayPal customer. '' I attempted to transfer the sum of {$7.00} from my bank account to my PayPal account, and was blocked by PayPal from doing so. I received a followup email stating the following : " We need your help resolving an issue with your PayPal account. What 's the problem? Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. How can you help? It 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. Please log in to your account and go to the XXXX XXXX to find out what you need to do. Case ID Number : XXXX Sincerely, PayPal '' I called PayPal to attempt to resolve the problem. I was routed to the " Limitations Team '' where I was told that I was required to provide what was essentially my complete and confidential identity information to resolve the problem, and that there was no other way to do so. This information included my name, date of birth, postal address, physical address, and full social security number. I told the representative that I would do so, but only was doing so under extreme duress. I asked why I was required to do so, and was told " Federal Regulations require us to collect this information. Otherwise your bank will not allow you to transfer funds. '' After I provided the information, I received the following email : " Our review is complete and we have returned your account to regular standing. We appreciate your patience and thank you for your help in making PayPal the safest and most trusted online payment solution. Thanks, XXXX PayPal " I went to my bank immediately, explained the situation, and was told to call the bank 's fraud department. I returned home and contacted the fraud department. I asked if PayPal was required by Federal regulations to collect the entire confidential identity information of one of their customers. I was told absolutely not, as they are not a bank, and are only a third-party money processor. I was told that such practices are fraudulent, and compromise your identity. I was advised to close all accounts associated with PayPal, and post a fraud alert with credit reporting agencies. I contacted PayPal again, and requested to speak with a supervisor of the PayPal Limitations Team. I was put in touch with a representative, and explained the situation. She said that she would contact the bank 's fraud department at straighten the situation up for me. She did contact the bank 's fraud department. At that time I had found a ruling by the FDIC that declared that because PayPal did n't meet the federal definition of an entity accepting deposits as a bank, hold any physical money or have a bank charter, it was not a bank. As a result, most states license PayPal as a " money service. The supervisor from the Limitations Team threatened that if I did n't believe that they were under Federal Banking Regulations, that she would turn this case over to PayPal 's legal department. At that point I was impelled against my wishes to back down from my complaint. Afterward, I spoke further with the bank 's Fraud Department worker, and explained that I was putting a total block on all PayPal transactions with my account after the {$7.00} payment had cleared, and that I was closing my PayPal account after 13 years of activity because of their misrepresentations. PayPal has caused harm to me financially, through not being able to easily conduct online commerce in the manner I had been using for 13 years. PayPal has also created the potential for identity threat by require me to provide them my full identity information, which now resides in their databases. Furthermore, PayPal had threatened me with potential legal action for disagreement with their policy of identity collection. I am requesting damages from PayPal for the major disruption to my life that this has caused. I am certain that it has done the same of more to countless other customers of PayPal. | ||||||
| 07/15/2021 | Yes |
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| Hello! I am a PayPal and XXXX customer, rather I was a PayPal account holder until I received PP-L-, or more clearly the You can't use PayPal anymore notification. This notification arrived on screen with no further detail or clarification around what exactly I had done or activity I had engaged to warrant this contractual termination. In the weeks leading up to You can't use PayPal anymore event I had worked closely with individuals across your organization who remained steadfast in policy, but remained disjointed in procedure surrounding your Account Limitations process, timeframes, etc. From the XXXX in XXXX, to XXXX the Supervisor in XXXX, I spent quite a bit of my time and there's clearing up a negative balance on an old PayPal account, so that my current ( well, former ) PayPal account could be free of any limitation, ready to accept nearly {$12000.00} of Unemployment Insurance from the State of Ohio. As a responsible, law-abiding member of society, I listened to the XXXX, and XXXX and anyone else that would lend an ear as the deposits approached - checking to make sure that the balance I owed ( which had been sold to XXXX XXXX XXXX ) had been paid and cleared by PayPal Collections. I even had a kind supervisor from Collections connect me with a lovely PayPal employee on the Account Limitations team, who after several long holds, notified me that through no fault of my own, she found that the Collections team had in fact not done their due diligence by indicating to her team that my old account was paid in full and could be reviewed. She felt for me & my situation and said she was going to be passing along a voucher for {$20.00} to be used through the platform as concillation and said she would be marking my account so she could monitor it through the process personally. Three hours later, BAM!!! ... you can't use PayPal anymore, why? It doesnt matter why and Im not writing you today to discuss the finer points of your EULA, your NDA, the UA and so onI am writing you because just as you ripped the {$20.00} voucher from my hands with PP-L, you accepted two direct deposits via ACH from the State of Ohio and the Fed, one for {$9000.00} and another for {$2700.00} how are these deposits in to a locked ( on your end ) account deemed suspicious or flagged at all?? As far as activity in that account, there was very little in the 4 weeks preceding but lets review : I paid for laundry in my building, paid my friend back applied for XXXX ( {$25.00} Im never getting back ), used PP to buy/sell XXXX, and I received a {$110.00} refund paid by PayPal So why? I am writing you today, because its my fathers XXXX birthday, an early adopter of your platform, he lauded the service you provided 15 years ago but watching my fight with the State of Ohio to get this money and then watching what youve put my mother and myself through, wielding your AML/KYC battle axe across the field to beat another private citizen over the head, for what, a measly $ XXXX just because you can, has my entire family lackluster in our support or continued use of your platform. My mother, XXXX, single, living with XXXX at the age of XXXX. Barely. Able. To. Pick. Up. A. Phone began her own phone bank trying to get justice for her only child, her caregiver, her hope and love, via PayPal customer service ; a net loss, PayPal for the win, XXXX XXXX. After seeing PP-L-, begging to borrow the {$310.00} to pay XXXX vis -- vis PayPal and the months and months of adjudications, letter writing, phone calls, I literally collapsed into hysterics while my poor, feeble mother listened and cried with me. What was I going to do? What was she going to do?? She propped me up financially throughout my fight with the State imploding her own savings set aside for her care, both of us expecting to repay it a couple weeks ago, only to be where we are now ... waiting for your instructions to arrive in XX/XX/2022. Please note the domino effect youve caused here as well remember, my mother, with XXXX, is in desperate need of XXXX XXXX XXXX, we were planning on moving her in XXXX, but your procedural shoots and ladders have caused us to now push her move into 2022. This woman worked her entire life, raised me on her own and now lives with this XXXX XXXX and I cant give her the assisted care needed to maintain the modicum of dignity she deserves this is a direct consequence of your policy, account limitations and I will not patiently standby waiting another 6 months for instructions! I am writing to you as a last resort. I am not calling customer service. I am reaching out to the humans behind the machine and begging you to please solve this problem for my family. You can make this go away, reinvigorating some semblance of hope, letting us breathe, allowing my mother some peace, please! Your company has treated me and my family poorly. Please quickly rectify the situation by making all monies currently held in my PayPal balance immediately available for withdrawal or transfer out and away from my PayPal XXXX XXXX account. If not, please rest assured that this letter, all of my correspondance heretofore will be added to complaints already being filed with the XXXX, FTC, SEC, NCLC, the Ohio Attorney General and my Ohio Senators, XXXX. XXXX and XXXX - I will not rest until this matter is settled and I will use whatever means necessary to have my voice heard and regain access to my money. I look forward to a prompt reply and resolution to my problem. Thank you for your time and attention to this matter. | ||||||
| 06/02/2022 | Yes |
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| On XX/XX/XXXX the IRS issued a XXXX informing me that they were proposing changes to my XXXX tax return in the amount of {$71000.00} as a result of a Form 1099-K filed by PayPal under my social security number. I do not have a business account with PayPal, have never used PayPal as a source of revenue, never received this particularly income, nor did I ever receive a 1099-K from PayPal in XXXX proving that they issued this 1099-K with errant information. This notice informed me that the IRS would be assessing {$22000.00} in taxes owed, penalties, and interest. I followed the necessary steps prescribed by the IRS to report the fraudulent use of my identity and SSN and to dispute this proposed change to my XXXX income. I received a notice issued XX/XX/XXXX by the IRS indicating that they had received all the necessary information and would be looking into my claim. I then received a Notice of Deficiency less than 2 weeks later on XX/XX/XXXX. In addition to disputing this reassessment of my XXXX income with the IRS, I also reached out to PayPal in every way that I was able for help. On or about XX/XX/XXXX I contacted them through their PayPal Assistant, an online chat program. After several messages back and forth and a phone call with a gentleman in a foreign call center routed through XXXX, XXXX who identified himself " XXXX '' I provided a scanned copy of this initial IRS document through the PayPal Assistant Messenger. I received the following message in response : " Thank you for responding back -- -- -- - and providing that information. I will forward this to our tax operation that someone used your SSN and you dont know those transaction it may just take 3-5 business days just wait for our email notification in regards with the update or the result of the review. '' I never heard back from anyone at PayPal. On XX/XX/XXXX ( 80 days after my previous contact ) I reached back out to PayPal through their online PayPal Assistant to ask for help regarding this fraudulent use of my identity. I received a reply from an individual named " XXXX '' with the following : " Hi -- -- -- -, not to worry I have raised a ticket and escalated this with our specialists team so that they will review and update you the outcome via email within XXXX hours. XXXX XXXX - XXXX '' " The ticket id for your reference is : XXXX. So, I suggest you to please wait for the update and keep on checking your emails as well. XXXX XXXX - XXXX '' Later that day, I received the following communication through the PayPal assistant. " Dear -- -- -- - -- -- -- -, Thank you for contacting PayPal about the IRS letter you received in the mail. Protecting your personal information is our top priority. We are unable to locate the business account associated with your personal information, please send us a copy of IRS " Notice of Deficiency '' you received in the mail for further review. You can email the form to XXXX. Be sure to include your name and email address as they appear on your PayPal account. For detailed information on how we collect, store, use and protect your personal information, please read our Privacy Statement. You can find the Privacy Statement by clicking the Security link on any PayPal webpage. Please let us know if you have any additional questions. Sincerely, XXXX PayPal Compliance Department PayPal Please do not reply to this email address as it's not monitored and we will not receive your response. You can get in touch with us by clicking " Contact '' at the bottom of any PayPal page. '' I responded as instructed emailing the address provided with a scanned copy of the official IRS Notice of Deficiency. For the record, this is the second copy of an official IRS document PayPal with sensitive information such as my SSN has asked me to provide through an internet portal and an email address respectively. In this email, I informed " XXXX '' to the full nature of my problem and asked that he or someone from his office contact me directly so that I might receive an update regarding my request. After receiving no confirmation from anyone in PayPal 's Compliance Office that they had in fact received my email, I reached out again through their PayPal Assistant portal. I asked the representative identified as " XXXX '' to please pass a message to the compliance department on my behalf. In this message I requested the compliance department to respond to my email by XXXX on XX/XX/XXXX. Also, in this message I informed them that due to the urgency of my issue with the IRS and their previous record of ignoring my request for help I would file an official complaint with the CFPB if I did not hear from them. " XXXX, '' unaware of the message that I received from XXXX asked for a screenshot of the message. After sending her a screenshot of the message, I received the following : " -- -- -- -, not to worry as I see the issue with your account is resolved. Please do not worry about the emails which you have received. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX - XXXX '' This message would indicate to me that less that 24 hours later PayPal has marked my issue " resolved '' without notifying me of ever even receiving my initial complaint. They have made no effort to communicate with me their findings or their plans to resolve my complaint. After receiving this message and no confirmation that " XXXX '' would pass my request to the Compliance Office I notified the company that I would file this complaint with you immediately. | ||||||
| 04/30/2017 | Yes |
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| - XXXX XXXX 2017 I got a call from Paypal that my account is canceled and that I will have a lifetime ban. - I inquired as to what the reason is. Did I violate any terms of agreement or did I misunderstand any clause. And if I was why did n't I get any notification about it or an email of such misconduct. - They said, it is a unilateral decision and that it can not be appealed and that I have no rights over their decision. - It was an unfair treatment to me as a customer. As not only do I retain the right to know if I did anything wrong, but additionally just because if some clause made me accept their condition- they can not mistreat me, discriminate and unfairly discontinue a financial service for which I was paying ; with consent, authorization or permission. Particularly, if I have not done any wrong. - Earlier they accused me of money laundering, after I provided all the documentation that their automated system had generated. They said the system read some suspicious activity and therefore it has blocked on its own- something that I have done. I explained the agent that me and my wife use Paypal friends and family transfer to transfer money to our respective bank accounts connected with it and then we pay our credit cards attached to our bank accounts. - On XXXX XXXX 2017 I had received an message from their message center that now on I will not be able to send friends and family transactions and that only paid transactions are possible and that I have to convert my account to Business Account, which I did and as a consequence of which they limited my account permanent. - On XXXX XXXX 2017, a day after my Paypal account was closed permanently. Paypal started withdrawing funds from the XXXX XXXX account that I had connected and entrusted with Paypal. Without my authorization, consent or notifying me they started withdrawing funds from my checking account. Amounting to {$1200.00}, {$570.00}, {$400.00} and {$59.00} accordingly. - Upon enquiry on my XXXX XXXX ( EST ) call with their agent XXXX she said that she has no info on it and that an agent may have misappropriated these funds. - I asked XXXX XXXX to stop payment since it was still in pending but they said it will only be clear if they were successful- on the following after system refreshes overnight. - On XXXX XXXX 2017 the funds were transferred to Paypal and upon my calling to Paypal XXXX XXXX ( EST ) Agent XXXX told me that there is no trace of this payment and that someone has created a fake account with my email address and that they may have my account number through which they have defrauded these funds from my XXXX account. The fact was that these were reversals of the past transfers I had made of my funds from Paypal to XXXX XXXX. And they were available in my XXXX XXXX before my account was closed- so only Paypal had the ability to misappropriate these funds as a merchant- there could n't have been any discrepancy possible. - Additionally, XXXX also asked my XXXX XXXX account as I had disconnected it from my Paypal account after the misappropriation- to avoid further damage. - After speaking to XXXX XXXX I called Paypal again since if these were indeed reversals without my authorizations- they should reflect in my Paypal account but they were not. I called at XXXX XXXX ( EST ) and asked about the invisibility of funds in my Paypal account, since if there were reversed by anyone in Paypal they must know the pending status. The agent declined to provide me any information and said he can not see anything. - I also asked for the email of any higher up or complaints or appeals or executive but they refused the existence of such departments and emails- asserting that only agents and supervisors make the full and final decision. - At the time of closure I had {$580.00} in my Paypal account and in the email I got- it said that I Paypal will hold my funds for 6 months or I can refund any transactions if I want. So I returned a transaction of {$500.00} back. - As I understand, since they could n't hold more than {$83.00} left- they are now targeting my attached XXXX XXXX illegally without my authority and are not disclosing while misrepresenting like on many occasions. - Later I found some email addresses of executive section, appeals and another XXXX, XXXXXXXXXXXX and XXXXXXXXXXXX but I received no response from them. The emails did not bounce back that means the messages are being relayed but either they are informed of these malpractices or they approve of it and refused to attend customers, respond to their queries and work within the ethical regulatory stands of any fair business practice. - Last but not least upon researching internet I found hundreds of hate blogs, XXXX and XXXX accounts and websites dedicated to disqualify Paypal from operating against the goodwill and protection of consumer rights. But despite coverage on XXXX, XXXX, XXXX, XXXX, XXXX XXXX they are trampling customer finance rights like they are above the law. Are they another XXXX XXXX in making, are they going to burst the bubble like XXXX XXXX or XXXX XXXX and XXXX XXXX. That only time will reveal but Senate and Congress along with regulatory bodies must supervise, regulate and take charge of the situation before it create another dot com bubble burst. Only this time it will be Automated and Virtually based but Paypal has nothing on stake as all the accounts are linked to real banks and real currency. Not just numbers transferred here and there. | ||||||
| 07/19/2018 | Yes |
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| I had owned and operated a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I became XXXX and was no longer able to work. I had to close the business, which officially ceased operations on XXXX, and I filed for bankruptcy on XXXX. The US Bankruptcy Court sent notices to all my creditors and myself stating that creditors are barred from contacting me and attempting to collect on the debt. A customer who had placed a deposit with me on XXXX via Paypal and his financial institution ( in an email dated XXXX, Paypal calls this financial institution a " credit card company '' ) contacted me via email on XXXX. In this email, he acknowledged receiving the notice from the US Bankruptcy Court, but still made an attempt to collect on the debt. I contacted my attorney, who sent a letter dated XXXX that told him that his " efforts may be a violation of the U.S. Bankruptcy Court 's order. '' My discharge was issued on XXXX. On XXXX ( notice the timing here ), this customer filed a chargeback with his financial institution for the amount of the Paypal transaction, which triggered the case/dispute process with Paypal. Paypal removed the {$94.00} from my account with no notice. I called Paypal and subsequently provided them with a copy of all of my pertinent court documents, including the order of discharge. Paypal told me during this or a subsequent phone conversation with them that they would forward all of my documentation to the buyer 's financial institution. On XXXX, Paypal issued me a temporary credit for the disputed amount. On XXXX, I received an email from Paypal in which Paypal acknowledged receiving my court documents and information. Also in this email, Paypal calls it a " chargeback. '' On XXXX, I received another email from Paypal stating that the customer ( " buyer '' ) " has opened a case for this transaction. '' I was also charged a {$20.00} chargeback fee, which Paypal later reversed after I told them that the buyer was attempting to collect on a legally discharged debt. On XXXX, I received another email from Paypal that stated that " After our efforts to resolve this dispute on your behalf, your buyer 's financial institution decided in the buyer 's favor. '' Apparently his credit card company either never received my court documents or they simply ignored the court order. On XXXX, Paypal again removed the {$94.00} from my account with no notice. I called them again. On XXXX, Paypal 's legal department signed for and took possession of hard copies of all of pertinent court documents, including the order of discharge. On XXXX, I received another email from Paypal, this time from their collections department, demanding the {$94.00}. I called then yet again and told them that they broke the law when they took the money because they are party to collecting on a legally XXXX debt. They said that this {$94.00} was not part of that discharge, since it was credit extended to me in XX/XX/2018. Both Paypal and the customer 's financial institution found in the customer 's favor. I had no choice but to pay on this XXXX debt or lose my Paypal account. I fail to understand how the customer 's credit card company could find in his favor. The debt was incurred before my filing date and discharged in XX/XX/2018. I have since learned that rules and laws were violated in this entire process. Paypal has a XXXX rule for filing a dispute, but the customer was allowed to file a dispute a full 15 months after the initial transaction. And the financial institution broke the law when it found in his favor on a legally discharged debt. The US Bankruptcy Court issued an order of discharge, legally removing the debt, yet the customer was able to collect. The customer and his financial institution are in contempt of court. I have also learned that many other disgruntled buyers, scamming buyers, and disgruntled creditors have learned the trick of the " chargeback '' to collect money. Without knowing which financial institution this is, I have no recourse in this matter. All I know is that Paypal told me in a phone conversation that they would provide the buyer 's credit card company with all of my pertinent court documents, yet they still broke the law and found in the customer 's favor. And Paypal refuses to name the company, preventing me from contacting them in order to object to the decision. My lawyer advised me that taking this customer back to court will probably not gain me anything, and I can't afford to go back to court anyway. And what is to stop my other disgruntled customers from doing the same thing? I thought my debt was supposed to discharged and all my creditors are supposed to be barred from harassing me and retaliating against me and trying to collect on the debt. I think that the buyer/customer got by with this chargeback because he had sent me two ( 2 ) deposits, one for {$94.00} on XXXX as a deposit on one product, and then sent a second deposit of {$250.00} on XXXX for another product. This adds up to {$340.00}, which was the total amount of the debt owed to this customer, listed in the court documents. Paypal 's own records prove these two payments were sent from the buyer to me before my filing date. I think he either claimed that the {$94.00} was not part of the court case or he lied to his credit card company about why the funds were sent to me. What good is an order of discharge if my creditors can still collect using the chargeback process? Is there anything you can do to help me? | ||||||
| 05/09/2019 | Yes |
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| Paypal failed to notify me of the new requirement they implemented on XX/XX/XXXX to all accounts. They claim they sent an email but they can not provide a written copy of it to me. Depending on which CSR you speak to it was sent in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have never seen this email. They also failed to automatically grant my personal PayPal account in good standing a required Cash or Cash Plus account as detailed in the Policy Update on their website. After 18 years of being a Verified PayPal user, they began using my secondary ( back-up ) funding source on file to pay for everything instead of my PayPal account balance on XX/XX/XXXX. I had a bank account and Credit Card on file. They chose the bank account. I had no idea this was happening. There were no warnings. There were no click-through pages with detailed information on the PayPal website of these new changes that altered the user agreement after 18 years of use when I signed in. My " Verified '' PayPal account should have been converted automatically to include this new " Cash '' account. My PayPal account has been " verified '' for years as I provided a bank account many years ago which made me a " verified '' user and according to PayPal 's Policy Update .... '' If you are an existing personal PayPal account holder and we have already verified your identity, we will establish and automatically link a PayPal Cash Plus account to your current PayPal account ''. On Monday, XX/XX/XXXX, I called PayPal. I was told to call XXXX as it was an issue with the Billing Agreement. I called XXXX three times that day and PayPal four times. PayPal offshore Customer Service phone reps told me a different story each time I called. Finally, one CSR started to explain the changes made that were forced upon PayPal by the CFPB. Having never heard of anything like that, I didn't believe the rep at first. I was told I would receive a call on Tuesday. PayPal called at XXXX. I missed the call. They left no message and no call back number. On Wednesday, XX/XX/XXXX, I started calling again. I tried to remove my bank account information from the PayPal system, asked for a clear written explanation as to why my account was using my secondary ( back-up ) funding source instead of PayPal balance, a letter explaining to my bank why this happened and for compensation of {$230.00}. I was told that the " back office '' would review my case and call me back. After many hours I called PayPal again. A CSR, XXXX XXXX XXXX, told me there was no " back office '' and that I would never receive any form of compensation from PayPal and that PayPal had no legal office or litigation team whatsoever and that until I provided him with my birth date, he would not help me any further. I was also told by another rep earlier that it was required to send me a text message via cellphone to remove my bank account information. I asked what they would do if I didn't have a cell phone and explained that it was not a legal requirement for me to own or provide a cell phone number to PayPal? That's when I was told the " back office '' would call me back. Not sure if you have even fallen victim to overseas call centers, but they are nothing more than gatekeepers. They do a good job of frustrating a person to the point of almost suicide or giving up entirely. My issue : The entire month of XXXX, PayPal has charged anything done through XXXX ( shipping labels, small purchases, etc. ) directly to my secondary funding source which is a bank. I have accrued a negative balance of {$240.00} due to this. On Monday, I tried to call and straighten all of this out and got nowhere. On Wednesday morning, after waiting on PayPal 's phone call all day Tuesday, I received three new emails from PayPal. Two XXXX shipping label charges from XXXX had been run through my bank again and returned to PayPal due to NSF. I had already brought the matter to PayPal 's attention that there was an issue, they let the automatic system roll and incurred two brand new {$29.00} NSF fees, all over 9 dollars. The emails stated they would charge my back up funding source of the Credit Card and in a second email they would also charge the exact same shipping fee to my PayPal balance. So double charging. And, charging shipping fees to a PayPal balance which according to the new rules, they are no longer allowed to do. I was charged three {$25.00} OD fees and five {$29.00} NSF fees due to this error. Unable to use PayPal to print XXXX shipping labels, I paid {$4.00} above what I should have paid to ship two items at the local US Post Office. According to the emails, they have charged me twice for one {$7.00} shipping label. These charges total {$230.00} that I am owed by PayPal. I have lost 3 days from working on XXXX and counting. I am unable to speak to an actual paid PayPal employee. I have been lied to. And, I am unable to remove my personally owned bank account information from the PayPal website. I receive an error message stating that it can not be removed due to a pending transaction. New NSF charges will accrue at the bank as I can not remove the bank account info. Meanwhile, there is {$130.00} in the PayPal account that I can not use without making changes to my account and adding my birth date. I will add that I have searched around my PayPal account page and there is absolutely zero information as to how to update my account to what they require so that they will release the lock they have on my bank account information. | ||||||
| 06/10/2019 | Yes |
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| For the past two weeks I have been trying to get clarification from PayPal on their Seller Protection policy. My question is in regards to selling tickets on a marketplace and using PayPal as the means to collect funds and complete the transaction. The tickets are digital tickets and they are transfer electronically. One representative told me, " I can confirm that as long as the payment is sent via payment for goods/services, even if the tickets are digital the payment will be covered. For more information om this seller protection, please go to this link, https : //www.paypal.com/XXXX XXXX XXXX. '' However, the issue here is when I go to the link that was provided there is a section that reads : Ineligible items and transactions Your sale is not eligible for coverage under PayPals Seller Protection program if : It involves intangible, non-physical, items, including digital goods, and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. So, I have been writing to them multiple times and given the common scenario for selling, collecting funds and completing the transfer of the tickets to try get a clear answer so I can be sure I am covered or not. This is what I wrote to them and would like addressed : 1. How are tickets that are transfer electronically classified in relation to the PayPal terms of service? 2. Are tickets that sold, paid by the buyer via PayPal, and delivered to the customer electronically, either through an App or website transfer, qualify for Seller Protection? 3. What if the buyer claims they didn't receive the tickets after the event by filing a claim with their credit card company, but the seller can prove with emails and transfer confirmations that the tickets were delivered electronically? Is the seller protected via the PayPal terms of service? You stated additional requirement and so I am not sure you are entirely understanding the question. 4. How does a seller ship the item to the address on the Transaction Details page when the items are delivered electronically? There is no ship to address. Marking the transaction as eligible for Seller Protection after the transaction does not help me. I am trying to confirm that I am cover prior to the transaction. It does me no good for PayPal to tell me it is not eligible after the sale has taken place. That is the entire reason to my questioning and the reason I am attempting to get clear answers from PayPal on this issue. I don't understand why PayPal is making this harder than it needs to be. 5. Again, not sure you understand how electronically transferred tickets work, but there is no such thing as 'signed delivery confirmation ' when transferring these tickets. Is an email, generated by either the application and/or XXXX, confirming the individual successfully claimed the ticket adequate information for proof of delivery? 6. PayPal states 'Most buyer have up to 180 to file a dispute with PayPal XXXX. How does this work for tickets? Why would an individual file a claim on tickets to an event AFTER the event? This is my biggest concern. If I am not protected via the Seller Protection and a buyer submits a claim AFTER the even, I am screwed and out the money. This would make for an easy scam for buyers to exploit. And if this is the case, please let me know because I know many people that would love to take advantage of this Buyer Protection where there is no Seller Protection. Information regarding tickets. Place tickets for sale on a marketplace with a price. Negotiate a final price. Negotiations typically are in email, messenger, or text form so there is a form of documentation. Agree on payment process in the negotiations. If PayPal is used, the buyer will with the purchasing goods and service option via PayPal. Buyer can also request to be invoiced. If requesting an invoice that invoice is generated through PayPal. BuyeXXXX pays. Seller electronically transfers the ticket. Tickets are transfer either Ticketmaster website/app or, in the case of XXXX season tickets, through the XXXX team App ( i.e. XXXX XXXX ). Transfer are sent to either an email address or phone number as provided by the buyer. This is given during the negotiation process and may also be referenced on the PayPal invoice and/or PayPal payment. After the transfer the seller receives and email from either XXXX or the Team App letting the seller know that a transfer of tickets has been initiated. The email is usually sent as a security measure to let the owner of the tickets know of a transfer so they can take the proper steps if they did not initiate the transfer ( i.e. account hacked and unauthorized transfer ). Finally, the seller receives and email from XXXX or the Team App letting the seller know that the tickets were successfully claimed by the individual. I always let the buyer know when I am going to be transferring the tickets so they can contact me immediately if the transfer does not work for some reason. This gives me the opportunity to contact XXXX or the Team to fix any of the issues. Sometimes there is additional messages such as the buyer thanking the seller for the tickets and/or the seller telling the buyer to enjoy the event. In a nutshell this is how it typically works. This additional information should help you answer the questions clearer, so I know if I am protected or not. And I can let others know if they would be protected in similar situations. | ||||||
| 04/07/2019 | Yes |
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| I am in receipt of your letter dated XX/XX/XXXX, and I would like to let you know I am extremely upset. For almost a month now I have been attempting to call in to file disputes, there is long wait times of over a hour, only to then have to be transferred to another department who always disconnects the calls. Further more, when I do finally get through to your disputes department, they send the seller who is scamming me a message instead of filing and escalating them as I asked. They are being done once a month, randomly and not all at the same time as I asked. I was sent a empty package and have proof that some of your sellers are scamming but I am being penalized financially. Your rep forced me to pay almost {$50.00} to mail back a empty package to XXXX before you returned my money. I have lost funds because of this. The seller said he was shipping a ring which was 7 grams yet the entire package weighed 0.5 grams and was titled a document. Paypal still choose to force me to send more money mailing this back to receive my funds. We are a music company, and there is another seller who runs XXXX XXXX XXXX XXXX that is scamming clients not selling the services as advertised. I was told they did XXXX marketing promotion to drive real listeners to my music. I have paid them over {$880.00} from my account and they have used fake bots to boost streams which has got XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX 1 of 3 my music removed from XXXX. This is causing additional problems and I have contacted the seller who is now posting derogatory messages on my XXXX page saying I stole a credit card. The cards on file used are real, and are mine and the disputes are because they are lying using fake play bots, instead of real traffic from marketing the right way. Paypal will not let me through to the disputes department to take care of all these matters at once. I have spent over a month calling almost daily, sending e-mails, complaints to XXXX, attorney generaXXXX and CFPB among trying other things. I still have not been fully able to resolve these matters and now I am out of more money. I plan to file legal action in court against Paypal stemming from these matters. Please review the items in my account below I need disputed and the claim escalated and resolved immediately within 10 days. This has taken way to long, an is using lots of my time and energy which should be going into making music. SO SINCE I HAVE TO KEEP GOING BACK AND FOURTH WE CAN DO IT IN FEDERAL COURT WHEN I SUE YOU FOR AT LEAST {$75000.00}. Your company keeps randomly doing these 12 disputes instead of all at once, my bank account with XXXX XXXX XXXX XXXX XXXX was shut down because of this matter. So now after I wait 10 days for you to message, then 10 days to escalate after no reply, you send the funds to a closed bank account. The bank has to now mail me cashiers checks for each one of these transactions which take 5-7 business days. I have received 2 so far and you are disputing these 1 each month. At this rate it will take all year to resolve this matter doing 12 disputes and only being able to get your company to do 1 at a time each month even though have been notified multiple times, multiple ways all at once. I should not take a full month to get my month back from your sellers sending empty packages, and using fake play bots adverting it as real. THIS IS RIDICULOUS. Please return my funds immediately. I have already received the {$10.00} and {$1200.00} payment today. I am waiting on the refund for the {$22.00} from XX/XX/XXXX that was refunded on XX/XX/XXXX with the rest of the transactions below. TRACKING INFORMATION - FORCED FROM PAYPAL 1. The tracking number for the empty package your company forced me to send back in order to get the refund is XXXX from USPS.com 2. The amount it cost me to send back the empty package was {$49.00} 3. I notified your company about this but was told in order to receive refund I had to return the empty package, and which made me mad so I will be suing your company even after my refunds are processed because I am now out of additional money that wont be returned after this long wait, and numerous complaints which take time. 4. You hire employees who are on the clock being paid to waste my time and money, while I am a small business owner who losses additional income while dealing with matters pertaining to trying to fix these issues stemming from paypal allowing scammers to be successful with the help of paypal. 2 of 3 ITEMS TO DISPUTE 1. XX/XX/XXXX - XXXX, XXXX - {$200.00} 2. XX/XX/XXXX - XXXX, XXXX - {$140.00} 3. XX/XX/XXXX - XXXX - {$10.00} {$150.00} {$42.00} 4. XX/XX/XXXX - XXXX - {$100.00} {$35.00} 5. XX/XX/XXXX - XXXX - {$28.00} {$70.00} REASONS FOR DISPUTE 1. THE SELLER IS USING FRAUDULENT BOTS TO BOOST THE NUMBER OF STREAMS WHICH IS SCAMMING MUSIC COMPANIES LIKE XXXX ETC. 2. THIS IS NOT WHAT I PURCHASED, I XXXX XXXX PROMOTION TO FIND PEOPE WHO KNOW WHO TO MARKET MY MUSIC TO REAL LISTENERS. 3. I WOULD NEVER BUY FAKE PLAYS, IT DOES NOT DO ANY GOOD, I NEED REAL LISTENERS WHO WILL COME OUT TO LIVE CONCERTS. 4. THE COMPANY SHOULD BE BANNED FROM DOING ANY FURTHER BUSINESS WITH PAYPAL FOR THE NUMBER OF DISPUTES AGAINST THEM. 5. THE CREDIT CARD USED IS NOT STOLEN, BUT THEIR TECHNIQUES AND SOCIAL MEDIA METHODS USED ARE FRAUDULENT. 6. IM A REAL AMERICAN BUSINESS OWNER WHO DOES NOT KNOW MUCH ABOUT SOCIAL MEDIA, SO I ATTEMPTED TO HIRE A REAL COMPANY TO HELP IN THIS AREA NOT BE SCAMMED. | ||||||
| 10/21/2018 | Yes |
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| On or about XX/XX/XXXX, I made a purchase using my PayPal debit card for {$34.00}. I did not have the entire amount in my PayPal balance and they were supposed to withdraw the remaining balance from my linked bank account ( this is a built-in feature of PayPal ). Apparently, I had 2 bank accounts linked to my PayPal for this purpose, an XXXX account and, I believe the other account was through XXXXXXXX XXXX, with XXXX being marked as my preferred account. Instead of withdrawing from my XXXX acct, PayPal tried to withdraw from my XXXXXXXX XXXX acct, which has been closed for awhile. I apparently had never removed this account from PayPal and didn't realize the XXXXXXXX XXXX account was listed on my PayPal because it withdrew from my XXXX account previously. This created a negative balance ( ~ {$11.00} ) in PayPal, but it was more than compensated by the {$15.00} that I had already begun to transfer to PayPal on XX/XX/XXXX or XXXX ( it normally takes 4 days for money to transfer from XXXX to PayPal ). This {$15.00} transfer into PayPal completed on XX/XX/XXXX, leaving me with {$3.00} and some change in my PayPal acct. On XX/XX/XXXX, I tried to use my PayPal card at a retailer for about {$8.00}, but it was declined. I called PayPal and asked what the problem was. The rep stated that I no longer had a bank account linked to PayPal and asked if I wanted to link my XXXX account, which he knew about and had the information right in front of him. I did not give him ANY info about my XXXX account, not even a routing or account number, I only had to confirm that they were supposed to withdraw from this account, so it must have already been in PayPal 's system. I confirmed that that was what I wanted and wondered how it was no longer linked, since it had been previously and he knew all the information for the acct. I'm not sure how long my XXXX account has been linked to my PayPal, but I believe it's been well over a year and more like 4 or 5 years, if not longer. The rep assured me that the card would work fine at that point and I went to the store and used my PayPal card and it did work fine. This purchase was for {$7.00}, lowering my PayPal balance to {$0.00} and withdrawing the balance from my linked XXXX account, just like it is supposed to work. On XX/XX/XXXX, I tried to use my PayPal card again, but was declined. When I called PayPal, the rep stated that she could not tell me for sure what was wrong. She stated that there must have been some problem reading the card at the store. She stated that the card should work fine and that there was nothing on PayPal 's end preventing me from using the bank withdraw feature, that it had to be some problem with the store or a one-time error with reading the chip. She suggested that maybe I had moved the card when it was in the chip-reader. I went to a different store and tried to use the card, but was declined for the 3rd time. When I called PayPal again, I was given a 3rd excuse - that my linked bank account was new. This is a lie. I have had both my PayPal and XXXX accounts for over 5 years and they have been linked for quite a long time. After speaking with the 3rd rep and being given a 3rd excuse, which didn't make sense to me and contained falsehoods, I emailed PayPal through their site 's in-house messaging system, hoping that someone could help me without feeling the need to lie to me or explain the details to me - I just want my account and card to work like the millions of other PayPal users. Their website states that they will respond within 24 hours. I received a confirmation email XX/XX/18 at XXXXXXXX XXXX stating that they had received my email. I have received no other response. During the 3rd call, the rep also asked me if I would like for PayPal to contact me on my phone, and started repeating an old phone number of mine that is no longer in service and is NOT my 'preferred ' contact number, nor the number of the phone I was calling them with. I told her no, that I would like for her to use my preferred contact number, but she didn't know what that number was. I had to log-in to my PayPal account to try to find it. This just furthers my suspicion that some computer glitch caused PayPal to try to withdraw from my alternate bank account rather than my preferred account, just like their computer told their rep to contact me at my non-preferred phone number. I have received no response to my emails other than the confirmation emails, and no follow-up to my phone calls, both of which I was promised. It makes no sense that the card worked fine on the XXXX, after my 1st call, but then not work on the XXXX. PayPal withdrew money from my XXXX account for the XX/XX/XXXX purchase and it worked fine. PayPal must have done something between those 2 dates to turn off the bank withdraw feature on my account and they are now refusing to explain to me why. It also makes no sense that they would have all of my bank account 's information in their system already, yet try to claim that it is a new account. I also learned on the 3rd phone call that PayPal has information about other bank accounts of mine in their system which I am not privy to and which I don't believe I have ever linked to my PayPal account. It does not list these other bank accounts anywhere in my account that I can see, only in places that their own employees can see. I honestly don't know how they got this information or how it is legal for them to obtain or retain it. | ||||||
| 01/11/2022 | Yes |
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Web | Servicemember |
| After receiving via email, multiple requests to become part of paypal and PayPal pre-paid, approximately two months ago, I opened two of pre-paid cash accounts ; from which a pay pal account was opened. To be clear, I never, again never sold a single item through PayPal. I never once, never purchased anything through paypal with anything other than my having prior added cash from which I could later pay for products from one vendor. I purchased, not sold, several items from this vendor for whom PayPal has a relationship, as such, PayPal is fully aware of this vendor 's policies intimately. Having a lack of product, this vendor refunded me for three items totalling just over {$900.00}. A week later, I went to transfer these refunds back to my bank account, funded already well over {$20000.00}, at which time I was given a message I could not access my refunds. Mind you, up to this point, I had not received one alert, one message, one email, one inquiry, and only after five phone calls and three messages did I first receive notice that my refunds were being held for 180 days to cover possible " disputes '', refund requests, etc. However, once I incessantly explained I sold nothing, I purchased from one vendor who contractually states after 48 hrs. They no longer accept any disputes nor refunds, but even then, I would be receiving the refund. Then I was told due to suspected fraudulent activity, I was not going to receive my money for 180 days, hung up on, and simply sent two more messages asserting fraudulent activity as part of the reason, and holding secondarily to protect pay pal against disputes and possible refund requests. Every single encounter was not only unprofessional, refusals to explain nor even allow for my providing anything needed to help resolve the issues they simply threw out, but I was blatantly accused of fraudulent activity, hung up on, told I was permanently barred and I, regardless of the fact by their own policy, my refunds were being held for 180 days ; held under completely, and knowingly false, inaccurate reasons that didn't even apply to my situation. PayPal then reverted to their most common of indictments, possible fraud. I was the purchaser of a singular product, not seller, from a vendor that PayPal has a relationship with, for whom I've done over {$100000.00} in business, rated a top buyer and from which, PayPal 's assertions of fraud are not only without any cause or merit, given the mere impossibility of any fraud occurring, exemplifies a prevalent and growing, anti FCRA AND FTC stance if not a total disregard for any authority or governing oversight. PayPal is most notably known for their self-proclaimed, unlawful and against regulation, the premier arbitor for labeling wrecklessly and most often wrongfully, activities and individuals as actors of fraudulently activity ; and without retribution. Here is my exertion as backed by undisputed facts ; As a purchaser, given the policies of the very vendor PayPal supports, the purchases were not only cash loaded but backed by my banking institution ; the fact it was REFUNDS being received and not owed, the fact that PayPal not once sent me an alert, message, email, did not even inquire for any additional information ; the fact I wasn't even allowed access to their " resolution center '', hung up on, given multiple yet completely inaccurate reasons, all clearly point to the fact that PayPal holds absolutely no respect, moreover, acts in direct opposition too and with no concern as to being held to account of the the FTC, FCRA, and any regulatory body and subsequent laws or regulations ; holds itself to such an esteem it does not offer customers even explaination, an ability to respond or disprove, instead with such disregard and in the most demeaning, arbitrary, and reckless manner covet not even the least of standard business practices, but instead acts and exemplifies a " mission statement " that is everything the FTC, FCRA, residing Attorney Generals of state, etc. Opposes and protects against. PayPal, if held to the standard as to my specific case, in it's entirety yet without allowance for general, unrelatable reasons ; if made to give exact but too, just plausible cause for their actions ; if required to address why and by what authority they took every consumer protection right, consumer as in customer, and acted in bad faith with sincere intent to harm through unlawful action, they would fall far short. As proof, their response, if any, will be a general, inaccurate and completely unrelatable response. It's why PayPal is not long as a stand alone, and is clearly anti-individual consumer with a real bias to business ; now riddle me this, to whom are the very businesses which PayPal sides give their loyalty too? Not PayPal, and given PayPal 's having nothing significantly proprietary, they offer nothing unique of substance, barrier to entry so low the very same services are being offered under better terms and as a side piece, and given, being blunt, consumers, the individual as a whole, and the customer service focused consumer driven, this lead by standards as such being the only real resource in this industry to create organic growth, substainable growth into a market leader is why I and growing numbers of others like me need to fight and on every platform collectively make clear, PayPal Is the very essence of the worst in business industry practices. And it starts at the very top,. | ||||||
| 02/07/2020 | Yes |
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| XX/XX/XXXX unauthorized/fraudulent charges were made on my PAYPAL Debit Mastercard. PAYPAL dispute department removed part of the charges, those that caused TOP OFF debits to be made from my linked XXXX XXXX XXXX bank account, but they have denied my dispute and subsequent appeal to remove the remaining fraudulent charges. These total over {$1200.00} ( see attached ). All came from the same area of XXXX and occurred within a few days time over XXXX week. These charges were not authorized by me. I have filed a police report, and FBI report, and IC3 internet crimes report with the FTC, and have put Fraud alerts on my credit reports. See attached. XXXX XXXX XXXX charged me a small fee to stop payment on all the TOP OFF charges, so they were taken off my bank account. If you dont know how it works, The PAYPAL Debit Mastercard is offered to people to sell on XXXX to conveniently access their seller account funds via a card. It is NOT a conventional credit card ; it is a debit card. The option to TOP OFF ( add funds from a linked bank account if not enough was in the seller account ) was a nice option for me, considering I had XXXX shopping to do and didnt want the card to be declined if I spent more than I had on the card from selling items on eBay. PAYPAL declined at least 4 attempted charges from these fraudulent users, they approved 13 as unauthorized, and now refuse to remove the remaining unauthorized charges from my card. They are calling me every day, multiple times, and have begun to get aggressive in how they speak to me. I have assured them that these are fraudulent charges, and they simply refer me to the fact that they decided the charges were consistent with my activity and declined my dispute and subsequent appeal. I have faxed, emailed, and USPS Priority Mailed them the attached file, along with a letter requesting they remove the charges. My account shows that they have received none of these items, even though I have proof of delivered from each source. LETTER FROM PAYPAL REGARDING transactions they will not remove : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal Purchase Protection. We've noted the account changes you reported with this case. Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX TraNsactions not refunded We have been unable to provide any refund on the transactions listed. XX/XX/XXXX XXXX XXXX XXXX XXXX - {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$210.00} XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX - {$75.00} XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX - {$150.00} XX/XX/XXXX XXXX XXXX - {$99.00} XX/XX/XXXX XXXX XXXX - {$86.00} XX/XX/XXXX XXXX XXXX - {$99.00} XX/XX/XXXX XXXX XXXX - {$37.00} LETTER FROM PAYPAL REGARDING transactions they DID remove, that occurred from same day and looks like same thief : Case Closed : Protected by PayPal Case ID : XXXX Thank you for reporting this case. We've issued refunds for certain unauthorized transactions covered under PayPal Purchase Protection. We've noted the account changes you reported with this case. Case details Dispute reason Unauthorized access Case Status Closed Date reportedXX/XX/XXXXTransactions refunded XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$220.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$290.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$190.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$80.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$40.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$100.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$90.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$100.00} The money will be refunded to the original payment method. XX/XX/XXXX BANK_ACCOUNT Transfer from Bank + {$130.00} The money will be refunded to the original payment method. There were 2 types of theft happening here at the same time, one group of unauthorized charges was being stolen from my linked XXXX bank account, the other group of unauthorized charges were charges being stolen by using my linked Paypal Cash Debit Mastercard. The charges on the Paypal Cash Debit Mastercard they refuse to remove. I need your help getting the charges removed. I need whatever assistance I am afforded through your services and implore you to do whatever is within your purview to do so quickly. This has been lingering in my life for months, now, and it is stressful and draining. I have faxed, USPS Priority Mail with receipt of delivery XX/XX/XXXX, and secure emailed a file of letters, police report, FBI report, IC3 internet crimes identity theft report to Paypal and Paypal debit cash Mastercard. They still will not remove the charges, and depending upon who I speak to, claim not to have record of these correspondences. Thank You | ||||||
| 12/23/2020 | Yes |
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| Good day, during the XXXX weekend, the XXXX that me, my wife, and XXXX children ( XXXX, XXXX, and XXXX months old ) worked very hard to figure out how to make a large impact with our XXXX. We figured out a way to make a lot of sales during the week, and were excited about our new found success. During this time, PayPal decided to put a lock on my wifes PayPal account. The reason was that there was an account that I owed money on. I had used PayPal for a previous XXXX, and I owed them as the account went into the negative somehow. I was wrong for not handling the account properly at the time. I was in a bad spot, and my PayPal account had been an added debt on my end and I never heard from them, so the debt definitely slipped out my mind. So when PayPal saw that money was coming in at a faster pace, they held {$7100.00} of our money since XX/XX/XXXX. They felt that theyd found information that linked my account to my wifes account. They froze her funds, that had nothing to do with my old account, and demanded that I pay my debt, before they allow her to use the funds that we had earned during that weekend. We were using that money to finally spread some cheer to our family during a very difficult covid period where we are in California, away from family. They required payment, and we made the payment to the collection agency that they sold my account to. And then this is where the real problems begin. On XX/XX/XXXX, I make my payment to XXXX XXXX. I pay the debt in full, hoping that PayPal will receive information confirming the debt was paid. They will not remove the block on the account. They are using tactics that are completely unfair to hold funds that my family has earned. We emailed the paid in full letter to PayPal because they have said repeatedly that they have not gotten any confirmation from XXXX XXXX. Ive called PayPal many times. Each time, they bounce me around from department to department. They tell me that limitations is the only department that can help me. Then limitations department say that the collections department is the only one that can help me. Each department comes with a hold time of 90 minutes per department, per call, and nobody will help me. I have sent the paid in full form to XXXX and have been confirmed 5 times that it was received by various methods. I have also faxed, and uploaded this form to their systems. They confirm receipt but still do nothing to unlock our account. They have a reputation for having done this to many accounts Ive found. I have had to call and sit on hold so many days and have received little to no assistance. On Monday XX/XX/XXXX, I spoke with a supervisor in the limitations department after the initial operator said they could do nothing to help me. The supervisor received my letter of payment and told me she submitted it to be verified and that in 10 hours, my issue would finally be resolved. And it wasnt. They wont refer to any notes on the account, or previous representatives to get to the bottom of it. Instead they continue to hold our funds hostage, even though the debt has been paid for almost a month. We had a supervisor from collections on XX/XX/XXXX, hang up on me because Id called him Bro. I admit that it should not have been the word choice, but I didnt mean it disrespectfully at all. I was attempting to show that I was human, and trying to have him level with me. He did not like that and XXXX, operator XXXX hung up. And then when he called my wife XXXX back, he attempted to help again by opening a case on the verification process for the form we sent in. When she asked him to speak with a different supervisor as he would not fulfill our request to have the paid debt removed ( he works in the collections department ) he hung up again, citing that we had received 3 strikes. Requesting to speak to someone else is a strike in their culture is a strike. Standing up for yourself when a supervisor at a place you do business with, is a strike against you. This supervisor literally told me that he doesnt have to help me and that by staying on the phone as long as he had was not something he had to do. He may have been having a bad day, and I understand that we were on the phone for a long time, but at that point, I was on the call for 3 hours and 58 minutes. The culture of this company is poor, and we have never been so humiliated in our lives. We wanted nothing more than to have the account reopened as we handled the issue that I created by not having paid my account up. Now they are also saying we have to provide new information on our social, which is fine, other than the service doesnt interrupt over this. We cant even do anything because theyre holding ALL of our funds. As a business, we have been unable to access our funds since XX/XX/XXXX, and are desperate to have the funds released as we paid our debt. I called XXXX XXXX with PayPal XXXX on the line and their supervisor XXXX said that to his knowledge, once a company sells a collection account to them, they no longer have any access or claim to it. Instead, PayPal is using bullying tactics to do all of everything else they want, which prevents them from being accountable. Its 2021, and theyre claiming that they cant even see the payment was cleared. Which shouldnt take two companies 21+ days to confirm. Please help us! | ||||||
| 01/06/2021 | Yes |
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Web | Servicemember |
| This Complaint is against the Financial Bank Institution PayPal, which is supposedly a 3rd party funds transaction company for XXXX Back on XX/XX/XXXX - I sold an item on XXXX, paypal said sent me an email that they had the funds and for me to ship it. So I purchased the USPS shipper through XXXX and boxed it up and shipped it to the buyer at his requested address on XX/XX/XXXX. Since I purchased the shipper through XXXX it automatically uploaded the USPS Tracking number immediately onto the XXXX site where the Buyer and Seller were emailed a copy that the item was shipped. The buyer lived relatively close within 50 miles so it should have been delivered within a day or two. I emailed the buyer that I could only put a tracer on it and USPS never responded, so I did two more times without a response, I suggested to him to go to his Post Office a couple of blocks from his house and talk with the Post Master to find the package it was delivered to there are that was the last tracking to that address - so it had to be there. But I guess he figured it was easier for me just to pay {$700.00} + out of my own pocket and take the hit. Sellers on XXXX can not get paid until an item is delivered, so I tracked it through the USPS a few days later as the seller did, it showed tracking progress to the buyer 's local Post Office within a couple of blocks from his house but the tracking stopped - this went on for a month or so and USPS never delivered it. The buyer elected Not to pay the extra couple dollars for Postal Insurance, so I could not put in a Claim - it was up to the buyer. Since paypal was holding the buyer 's money is basically an escrow account, the buyer put in a claim that he didn't receive the product and he wanted the money refunded. Him being too cheap to buy the insurance that would have protected him from a shipping loss, he expected me to take the total loss off {$700.00} + the {$40.00} of shipping I had to pay. So first he put a claim into XXXX, and they investigated it and ruled that the seller packaged it up and provided tracking # and shipped per his instruction with no shipping insurance. So after that pay pal released the money to my account, and then before I could transfer it out - they put another hold on my funds because the buyer then put in a claim to pay pal. So then they had to do an investigation which eventually came up with some outcome that XXXX did that I the seller did everything by the book. So then the buyer put in a claim to his bank that funded his money to pay pal. I had to do several follow-ups with XXXX & paypal, on the Sellers Guarantee below? " PayPal Seller Protection covers you in the event of claims, chargebacks, or reversals that are a result of unauthorized purchases or items your buyer didn't receive. ... With PayPal Seller Protection, you may be covered for the full amount of all eligible transactions. '' This all took months - and finally, pay pal, XXXX, and his bank all came to the same conclusion that I shipped as per his instructions, USPS lost it and he would have to take it up with them. So XX/XX/XXXX pay pal again released my funds most of it, they didn't pay for the {$40.00} of shipping, I was tired of the runaround and just withdrew the remaining. So today XX/XX/XXXX - paypal sends me the email below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your buyer 's financial institution has informed us that the following case has been decided in the buyer 's favor. Here are the case details : Case ID : XXXX Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$720.00} USD Disputed amount : {$720.00} USD {$720.00} USD has been debited from your PayPal account because of the following reason ( s ) : We were unable to verify the delivery information you provided. In addition, you have been debited a {$20.00} USD chargeback fee. We understand that you may not have been expecting this chargeback. If this debit has made your PayPal account balance to go negative, please log in to your PayPal account and add money to your balance. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our Business Resource Center. Thanks, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- So, again paypal is been beyond unscrupulous with their business practices, taking and adding money and charges at will - they are Not following their own published policies on - exactly what transpired. So just like the buyer too cheap to buy insurance in case something happens, that is what insurance is for, and pay pal same thing if they ended up refunding the buyers money that is on them, again I did everything to the letter + this falls under Pay Pals guarantee as well as XXXX - yet they are trying to collect money from me and if I don't pay that they will report it to all 3 Credit Bureaus that I'm not paying my bills - ruining my perfect credit rating | ||||||
| 09/21/2020 | Yes |
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| On XX/XX/XXXX I was contacted via email " XXXX '' by someone claiming to be " XXXX XXXX - HR Process Specialist at XXXX XXXX '' regarding " Social Media Manager '' position at mentioned company. They had listed series of questions about my familiarity with the position, my previous experiences and behavioral questions and wanted me to respond and email them back. I did so on XX/XX/XXXX and they replied on XX/XX/XXXX stating they have decided to move forward with my application and extend an offer. They had also asked for my mailing address and phone number. I saw their email on XX/XX/XXXX and expressed my interest to proceed. Then, someone named " XXXX XXXX '' from " XXXX '' emailed me on XX/XX/XXXX, congratulated me and sent me the job offer attached to the email. I looked up this person on XXXX and confirmed he is a HR Manager at XXXX XXXX. The job offer covered the usuals in a job offer, went over pay rate for training and afterwards, etc. and had company logo and address and also watermarked with company name and logo. They wanted me to sign and return with a photo of my driver 's license. I signed and sent my DL the same day and then later that day XXXX XXXX emailed me and stated that they will send me a check for me to order the items they had listed ( computer and software packages ) from their vendors to set up my workstation. She/they emailed me again on XX/XX/XXXX and confirmed they are going to mail the check. They did so via XXXX Overnight ( origin address XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) that day and I received a check on XX/XX/XXXX morning in the amount of {$4900.00}. I confirmed to XXXX XXXX that check was received the same day and I was asked to deposit the check and send them the receipt. I deposited the check via XXXX mobile app and it became available immediately. I sent the receipt same day, then XXXX emailed me the next day on XX/XX/XXXX and asked me to be in contact with them via XXXX App ( user : @ intpaper ) as that is their communication platform at the company. I created an account on Telegram and messaged the mentioned user and introduced myself. Someone named " XXXX XXXX '' messaged me back and stated she is a Human Resource Manager at XXXX XXXX and was assigned to guide me on the next steps toward the training process. And, asked if I can start the training the next which I said yes. Then, she said she will inform the department and asked if I have any instant payment app, as the vendor needs to confirm payment before shipping the workstation equipments. I responded with Venmo and XXXX. She then asked me to deposit {$2000.00} via Venmo to user @ XXXX - XXXX XXXX with memo : TRN-EQ and to share receipt with her, which I did. Then she asked to send {$1100.00} via XXXX to XXXX XXXX - XXXX with memo : App-WS and share receipt. XXXX did not allow me to send more than {$500.00} and she said it is fine and we can transfer the rest tomorrow. Then, she got back to me and asked to cancel the XXXX XXXX and instead to try to send {$1100.00} via XXXX to XXXX XXXX - XXXX to see if with this user it goes through, again XXXX did not allow to send more than {$500.00} which I transferred and shared the receipt. She then asked me to be on standby for next steps. The next day on XX/XX/XXXX, I logged in to my bank account and realized the check was returned and my account has negative balance since the {$2500.00} was processed. I contacted XXXX immediately, they informed me that this has been a scam and the check account is cancelled/frozen and the only option is to dispute two transactions and contact Venmo as well. Since XXXX is through XXXX, it can be disputed only through XXXX. I filed two disputes with XXXX. Then, I contacted Venmo via email ( as phone call was not responded due to COVID ). Venmo replied to me later that day, stating that " Based on the information you have provided, it sounds like the person you were transacting with did not fulfill their end of transaction and there is nothing we can do. We recommend to contact the person directly. If you are unable to, you may consider filing a report to local law enforcement. They can request for information we have on file. '' I filed a report to IC3.gov, local police ( my county Sheriff 's office ), Consumer Protection and Federal Trade Commission and as of today ( XX/XX/XXXX ) still waiting to hear back from them. Lastly, XXXX closed both my disputes as authorized transactions. I believe, XXXX did not do their due diligence in protecting me as a consumer of their banking services for over 7 years. I do understand how convenient the mobile deposit is, however, if the fund had not been made immediately available, or if the verification process of the check account had not taken 2 days, I would have not transfered those amounts to the scammers. Further, it seems to me there is no consumer protection built in to Venmo process and its integration with banks such as XXXX. I contacted both companies in less than 24 hours from the time of transfers and neither offered me any protection whatsoever. I have been looking for a job for over 5 months now and had only {$2000.00} in savings. I am only hoping that all these reports will find a resolution for this matter and appreciate CFPB looking into this. I have maintained all records and can provide upon request. | ||||||
| 02/21/2020 | Yes |
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| I made a purchase XX/XX/XXXX for some clothing from a site called XXXX. I saw their ad on XXXX and it looked like my style, and I was in need of some new work clothes. I checked out the site, got in contact with the merchant on XXXX to make sure that the clothing was US sizes and to determine if the clothes were coming from XXXX or not since I was planning to buy 6 items totaling {$150.00}. Based on my conversation with the merchant I believed that the clothes were being shipped from the US. Once, I placed my order, I was told I would receive the clothes within 7-15 business days. After 7 business days, I reached out to the merchant about not getting an update about the order since it is approaching the timeframe of when I should be receiving it. XX/XX/XXXX is when I sent the first email. The response I got was broken English and that is when I realized that the order I made was coming from XXXX. At that point the money had already been taken from my account, and I hoped for the best. I again contacted the merchant XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the status and why it had not even been shipped yet. I kept getting a reply that the clothes are being special made, and that my order is processing and that they apologize for the wait, but it will be worth it and that I will be very happy with the clothing. Finally, XX/XX/XXXX I got notification that my order was shipped and to check back in 24-48 hours for updated tracking info. A few days later, I tried to check the order status, and I was sent to a site that said " Oops, something went wrong. This shop is unavailable. '' That immediately threw up some red flags, so I manually copied and pasted the tracking number to see what was going on. It showed that something was dropped off, but no other info after that. Still having good faith, I patiently waited. Come XX/XX/XXXX, I still had not received anything. I finally filed a dispute with PayPal since I knew I had buyer protection and at this point I knew I was scammed. Of course a few days later, I actually get something in the mail. Upon just looking at this small package, I knew something was wrong. The label on the plastic wrapped package only listed 4 items of clothing when I purchased 6. When I opened it, there was only 2 items, and it was nothing of what I ordered and the quality of extremely horrible. I took pictures and measured the size of the package that the items came in. I brought this to the attention of PayPal, and because something was sent to me they changed the topic of my case to " Items not as Described '' when initially it was a fraudulent/scam case. Awaiting the seller 's response, which they gave him until XX/XX/XXXX to respond. They sent PayPal the tracking number XX/XX/XXXX, which gave proof that something was sent, but why had they not asked the seller for proof of what they sent, or for anything that can show that he didn't scam me? XX/XX/XXXX, I tried contacting the seller at XXXX letting them know I reported them, and to just do the right thing and refund my money. The email got sent back saying that the user is not found. I believe I had already escalated my case in PayPal at that point since the seller was giving me the run around. However, rather than ask me for evidence and proof to show I was scammed, PayPal only kept in contact with the seller, who clearly knows the system and gave them the run around as well responding hours before the deadline of when the case would rule in my favor. I tried to contact PayPal via email, begging them to let me send evidence, but I got no response. XX/XX/XXXXthe seller opted to give me a partial refund of {$30.00} that I denied immediately. After PayPal reviewed my response, they gave me 1 option : to send back what the seller sent to me, and only when he receives it will I get my money back, but I am responsible for paying for the return shipping back to XXXX. I find that appalling considering that I was scammed, so I called PayPal yesterday, XX/XX/XXXX, asking if that is the only option, and why after being scammed I have to pay anything towards this? The representative on the phone admitted that he knew I was scammed and that they are investigating the seller, but it is their policy that I have to return the items in order to get my full refund. I was scammed! Ordered 6 things, got sent 2, and it's not even what I ordered. The PayPal rep finally told me that I have 2 options : pay for shipping back to XXXX and hopefully it will get to the scammer and then I get my money back, or I call my bank and report fraud. I excused myself from the conversation with the PayPal rep and called my bank. After speaking with the fraud department, I was sent to a specialist who then informed me that they could not do anything since it was an ACH purchase. She then told me of this site and to give it a try. I am at a loss that both XXXX XXXX XXXX and PayPal can't help me when I was scammed when both these companies claim to help their customers in situations like this. {$150.00}, may not seem like a lot, but when you are struggling financially it does mean a lot to me. At this point, PayPal has given me an ultimatum and I have to respond by XX/XX/XXXX with a tracking number, or they will close my case and I will be out of the {$150.00}. Please help me. | ||||||
| 11/28/2022 | Yes |
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Web | |
| Hello. On XX/XX/2022, I got a limitation on my US business PayPal account XXXX After few complaints PayPal gave me reason of my account limitation which is as follow : " On XX/XX/2022, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. Specifically, you are selling unauthorized gaming related accessories. Selling this type of material is a violation of the PayPal Acceptable Use Policy and User Agreement. Per the Prohibited Activities section of the PayPal Acceptable Use Policy, it states that, You may not use the PayPal service for activities that : relate to transactions involving ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction.On XX/XX/2022, PayPal reviewed your Account and determined we were unable to mitigate the risk associated with your Account. Specifically, you are selling unauthorized gaming related accessories. In addition, your login attempts do not reflect the same geographical location information as your Account. '' I'm very appreciate that PayPal gave me a detailed reason of limitation. And since I know this reason I can give an explanation from my side. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To play my game it is necessary to register an account, download game client files ( XXXX XXXX, install it and run on XXXX. On my game website there is a page which allows you to buy virtual currency ( points ) using PayPal. There are several options available to purchase. When you click the desired option, the website redirects to the PayPal payment page. After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. Once payment is handled and virtual currency credited to the user game account the user can use this currency in our in-game store to purchase any desired game values ( XXXX ). Each user authentication in game is logged to my records system as well as all purchases in the in-game store so I am able to check and prove that the player logged to the game and spent purchased virtual currency on game values. Paypal considers my business to be selling unauthorized game items. However, he does not provide any evidence that the game values are unauthorized. In turn, I argue that this is not true, since all game values are part of my game. Since the game is the property of my company, and all the valuables I sell are part of my game, given the fact that the rights of no one 's companies have been infringed, then PayPal 's claims of trademark and copyright infringement do not apply to my business. Therefore, the acceptable use policy violation does not apply to my business and PayPal account. Given all of the above, coupled with the absence of real facts of copyright infringement by PayPal, I ask PayPal to lift all limitations from my account. I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use.I have worked closely with PayPal support to improve my customers ' experience as requested by the PayPal staff. My record system is designed to show PayPal my business model as clearly as possible. And not to put a shadow of doubt about the fulfillment of my orders. In regards to the 2nd reason of account limitation : " your login attempts do not reflect the same geographical location information as your Account '' My company is registered in the USA, in the state of Delaware. However, I currently live in XXXX. All my login attempts from XXXX. At the time of registration, I communicated with PayPal support, clarifying every step I took. Among other things, I asked the PayPal support staff about indicating my XXXX address. On the screenshot of XXXX you can see my dialogue with the support staff. I told him that my company is in the US and I live in XXXX. I asked him if I needed to put my XXXX address somewhere? His response was : " Don't worry you NEED NOT to specify your XXXX address anywhere in account as it's US PayPal account. '' To completely dispel all doubts, I asked if there would be any problems with the fact that my company is located in the USA, but I live in XXXX. In response, the support staff replied " XXXX, there is NO ISSUE with you are residing in XXXX and your business is established in the US. ". You can verify this by looking at the XXXX XXXXAll my account data was entered according to the advice of the PayPal support staff. I did not try to deceive or mislead PayPal. Therefore, I do not consider that my actions were inconsistent with the PayPal user agreement. I believe that I have not done anything that could result in my account being banned. And my evidence is sufficient for PayPal to change its mind about my account. I believe that I have a chance to be a PayPal seller and run my absolutely legal business with PayPal. I am always open to cooperation and ready to provide all the necessary documents and evidence. Best Regards, XXXX XXXX. | ||||||
| 09/03/2018 | Yes |
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Web | |
| I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds. When contacting PayPal previously I was told I need to provide several documents in order for them to release my money. Inducing photo ID, credit card statement, bank statement, supplier information, and proof of address however, I have several problems with this request : 1 ) The email XXXX that paypal provided to send these documents appears to be unmonitored. I have sent numerous emails to this address and never received a response. I've also sent faxes to their fax number and never received a response. So even if the documents were sent to the places indicated, paypal would most likely never see them. 2 ) PayPal has stated they need these documents because they are unable to confirm my identity. However, I believe it is not lawfully acceptable for PayPal to indefinitely hold my money because PayPal claims they were unable to confirm my identity. Also, most of these documents were provided to PayPal previously when my account was limited initially. And part of the reason my account was permanently limited was because they claimed they were unable to verify the documents. Note : PayPal has denied ever receiving or rejecting documents previously when talking to them but they have. 3 ) PayPal classifies themselves as a banking/financial institution and the actions taken by PayPal when dealing with this issue are a clear violation of banking laws. Normal banks are not allowed to hold user 's funds for the extended periods of time PayPal has. Also, normal banks are not allowed to place these types of stipulations on releasing money in a user 's account and then confiscate their money if they do not comply with these stipulations. The bank could choose to close their account, but they would be legally obligated to return the money. 4 ) PayPal had plenty of opportunity to request documents before allowing my account to be opened as is standard banking procedure. Instead, they waited until after the account was opened and had already accepted payments before requesting these documents as a condition of allowing me to withdraw my money. It is my belief that this practice is not lawfully acceptable. 5 ) The PayPal terms that the company cited where they stated you agree you will not, Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. Further, the Other Legal Terms section of the User Agreement states, We may also ask to see your drivers license or other identifying documents at any time. If you use certain PayPal services, federal law requires that PayPal verify some of your information. PayPal reserves the right to close, suspend, or limit access to your PayPal account and/or the PayPal services in the event we are unable to obtain or verify this information. In NO WHERE does it say they can indefinitely hold your money over this like they're trying to do to me. Only that they can close your account or limit access. Also, this term was recently added to the PayPal agreement. It was not there during the time I signed up when I agreed to PayPal 's terms. I also attached a screenshot from PayPal 's page of RECENTLY ADDED TERMS ( were not part of the terms I agreed to when I signed up ) and even in this term it says that if PayPal is not able to verify your identity you can still withdraw money from your PayPal account. You just can't send your money to other PayPal accounts. | ||||||
| 05/16/2020 | Yes |
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| The sellers filed a chargeback claiming fraudulent they're buyers. I'm the buyer who didn't receive any service from their scam online app. They refunded me, and PayPal held my funds {$4400.00}. I was given different information through different virtual agents through PayPal. I follow every direction according to your customer service people through text messaging. Each time we would have a different representative in different departments. Even themselves said that they are not equipped to handle and I'm rerouted multiple times each time I try to contact them. I notify the sellers to contact PayPal to verify that the funds are mine were the. I notified the sellers to contact PayPal to verify that the funds are mine for the refund. In which I did get all of the email correspondence to PayPal proving that the funds or confirm buy them for my refund of their failed non-working app. Then I got any email from PayPal telling me that they are filing a chargeback claiming that they are buyers and I didn't get any items and the item was defective. Paypal should ask them to send a picture of what did they order? Where is the receipt what did they order? Show us the defective item? Instead of asking them the most obvious questions Paypal responded to me that I am the seller and they are still the buyer and they didn't get their items and then just recently they revise their claim that they have a defective item. I do not know what kind of business PayPal is running but I did a lot of research on them. They have no practices to be very irresponsible responsible. I had to hire an attorney to write them a letter to let them know that I am the buyer and the seller are the ones filing / claiming fraudulent To Paypal to get the charge back refund it to them! Up until today Paypal still can not distinguish between buyer and seller? That tells me that whoever is sitting in the back of that desk is not trained well and not able to understand my concerns. Paypal keeps sending me emails Buyer didn't receive their items and now it's defective and for that reason they will refund them. I sent them over 20 pages of receipts, attorney letter, email correspondence, my buyer receipts, letting them know that the buyers are fraudulently trying get a refund back from me, when the funds rightfully are mine. Paypal community page has shocking and disturbing complaints and they are so similar to mine. I am not a regular user of PayPal therefore I am not familiar with how these people try to do you chargebacks without Paypal having to protect me as I'm the BUYER! They didn't allow me to appeal because they keep telling me that the buyer has defective item! If that is the case why don't Paypal ask them to show proof receipts? Address where did they order for me if I'm the seller? What did they order? Send a picture? Showed a defective item? I don't have to work at Paypal but I am a XXXX trying to build a XXXX business with my daughter. And the real sellers sold XXXX followers coins, in which their app fail to give us the followers paid for. So they had 100 % moneyback guarantee so they refunded to PayPal and my funds were being held by PayPal. Then for some scam reason they are now claiming that they are the buyer and they have suffered defective item and their first initial story is that they didn't receive any item. Paypal should be alert it and see the red flag didn't receive an item. Paypal should be alert it and see the red flag didn't receive an item. Now their saying The item is defective The item is defective. It makes no sense if you didn't receive an item how can I be defective!! In addition they have my credit card information in my address information because I purchased from them, so I'M very concerned that I'm a victim of identity theft, scams, and paypal has done nothing to investigate them. Not only that, each message from different representatives are always different! Nobody @ Paypal seem to be The seller fraudulently filed as buyers and filed a fraudulent claim. Here are the e-mails proving that I am the buyer who purchased a service from the seller. I did not any services rendered. I was being refunded b seller. Here is the proof and e-mail correspondence between me and the sellers that shows that I am the buyer who purchased XXXX followers from the seller and they were refunding me. Instead of refunding me the file as buyers fraudulently to get a charge back from PayPal. I hope the PayPal please shut their account down as they have filed several fraudulent charge backs as buyers with no proof. Please help me to get my refund back as I do not know how Paypal can let them get away with fraud claim. I am adding additional information here as the resolution area does not have a place to add extra information. I just found this out recently. I need the help to get my refunds back. PayPal case PP-D total of 4 claim/ dispute filed on XX/XX/2020 by SELLER name XXXX XXXX , Owner of app site seller Followers for XXXX Pack PayPal username : XXXX XXXX E-mail : XXXX XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX * PP-D XXXX AMOUNT OF {$1000.00} * PP-D - XXXX AMOUNT OF {$1000.00} * PP-D - XXXX AMOUNT OF {$1000.00} * PP-D XXXX. AMOUNT OF {$1000.00} | ||||||
| 11/14/2023 | Yes |
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| I was trying to pay my auto insurance with Paypal and the Paypal screen came up with the Pay-in-4 short term loan offer was always available, but now it is not. Tech support at Paypal said to try again since I had just made only the monthly payment and not as I wanted to pay the full amount. So, apparently from their website, there is a note saying that I tried to apply for an installment loan, but I did not and now they are penalizing me unjustly to use the Pay-in-4 short-term loan product due to failure to apply for another installment loan offer which I never applied for. At no time, have I been not permitted to use Pay-in-4 and if any reason why a transaction was noted as denied was because they were using the wrong checking account to drawl from. It's their fault. I am sending them a letter in response to the problem. Here is their letter. PayPal Your PayPal Pay in 4 application decision Today Date : XX/XX/2023 PayPal , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' Dear XXXX XXXX : This notice is in response to your recent request for a PayPal Pay in 4 installment loan. Our records show that you requested to open a loan on XX/XX/2023. Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of credit histories of large numbers of customers. Unfortunately, your application did not score a sufficient number of points for approval for the following reasons : Proportion of payments on all of your Pay in 4 installment loans that were declined. Proportion of payments on all of your Pay in 4 installments loans that were declined or no prior Pay in 4 payment history. Amount of Pay in 4 installment loan payments declined due to insufficient funds. Thank you for your interest in PayPal Pay in 4. Sincerely, PayPal FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil rights Commission administers compliance with this law. Here is there other letter, which I never applied for : PayPal Your PayPal Pay Monthly application decision Today Date : XX/XX/2023 XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This notice is in response to your recent request for a PayPal Pay Monthly installment loan. Our records show that you requested to open an installment loan on XX/XX/2023. Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of credit histories of large numbers of customers. Unfortunately, your application did not score a sufficient number of points for approval for the following reasons : Transaction amount that you requested is higher than we can approve at this time. Proportion of payments on all of your Pay in 4 installment loans that were declined. Proportion of payments on all of your Pay in 4 installments loans that were declined or no prior Pay in 4 payment history. Thank you for your interest in PayPal Pay Monthly. Sincerely, XXXX, XXXX XXXX XXXX, Utah FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the FDIC - Consumer Response Center, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil rights Commission administers compliance with this law. | ||||||
| 01/08/2019 | Yes |
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| On XX/XX/XXXX, I submitted a job proposal for an English/Spanish translating job posting. On the same day, I received a message from the person who posted the job posting asking me to e-mail them through XXXX so they could forward the document for the total price agreement. On XX/XX/XXXX, I e-mailed him to tell him I was still interested in doing the translating and to contact me to decide on the pricing. That same day he e-mailed me the document and asked me to tell him how much I would charge for the translation. On XX/XX/XXXX, we agreed on a price ( {$800.00} ) and he asked me to send him my full name, billing address, and telephone number and said he would instruct his accountant to issue the full payment. He also said he would e-mail me once the payment was sent out and asked me to start on the translation. I did not hear back from him, so I e-mailed him on XX/XX/XXXX, for an update on the check so I could get started. That same day he replied and said he was working on it. On XX/XX/XXXX, he e-mailed me saying he received confirmation from his assistant that payment for the translation had been issued and mailed to me, but there was a mix-up and his travel expenses were mistakenly included in the amount of the payment that was mailed to me. He asked me to deduct the full amount we agreed on for the translation and then asked if I could send the rest of the balance to his travel agent. The check he made out to me was {$3300.00}. The agreed price for the translation was {$800.00}, and I was being asked to send back {$2500.00}. " I received a confirmation from my assistant that payment for the translation has been issued and mailed out to your given address, so please keep an eye on it. But there was a mix-up before the payment mailed out to you, my travel expense was mistake included in the amount of the payment mailed out to you. Once you receive the payment, I want you to go ahead and deduct the full amount we agreed for the translation and help me remit the rest balance to the travel agent that handles my flight and transport, am sorry for any inconveniences this might cause you to remit the remain balance to the travel agent. Await to hear from you soonest ... '' On XX/XX/XXXX, he e-mailed me the USPS tracking number and I confirmed that I could send him the remaining amount once I received the check. I told him that I was going to be out of town between XX/XX/XXXX, and wouldn't be able to deposit the check until then. There was some back and forth for updates through e-mail, text, and calls, but I told him there was no way I could send him the remaining amount until I got home and deposited the check. On XX/XX/XXXX, I deposited the check I received in the mail into my bank account. We discussed how I could send him the remaining amount and we agreed XXXX would work. He sent me the username for his accountant, and I sent him the remaining amount ( {$2500.00} ). On XX/XX/XXXX, I received a notice from my bank ( XXXX ) saying the check bounced and I overdrafted my account. I immediately went to the closest XXXX and spoke to a representative who said the only people who could help me get my money back is XXXX, and that there was nothing else they could do. I asked them if a report was made with their fraud department to try and get to the bottom of this, but they said there was nothing else they could. I also called the person I made the agreement for the translation with, but he blocked my number. That same day I called XXXX, explained what happened and was told this had to go through an account specialist, but those specific account specialists could only be reached through e-mail. The XXXX representative I spoke to sent me an e-mail confirming she spoke and explained the situation to the account specialist and that I could send them any additional information or documents that could possibly help them resolve this issue. I sent them all the information and contact I had with that person and explained the situation in detail. On XX/XX/XXXX, I received this response from XXXX : I'm very sorry to hear about your recent payment experience. XXXX was designed for payments between people who know and trust each other and authorized merchants, so we don't offer buyer/seller protections or mediation services. As a result, there aren't avenues available for reimbursement in cases where issues arise. Unfortunately, bank or card issuer disputes do not affect funds that have left our system. XXXX users are responsible for their payments and any losses XXXX incurs if a financial institution disputes the transactions they made. We suggest that you contact the person you interacted with to resolve the issue. If you are unable to contact that individual, you may consider contacting your local law enforcement agency and filing a report. We will fully cooperate with and assist in their investigation as soon as they contact us. Please reach back out if you have any additional questions or concerns. Telling me there is nothing they can do to help me. It is hard for me to believe that XXXX and XXXX don't have some type of protection for their customers when it is obvious that fraud occured. | ||||||
| 02/05/2020 | Yes |
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| XXXX XXXX XX/XX/XXXX Venmo Credit Card number : XXXX XXXX XXXX XXXX Phone Number : XXXX Expiration : XX/XX/XXXX CVC : XXXX Address : XXXX CR XXXX XXXX, TX XXXX Email : XXXX Dispute against Venmo On XX/XX/XXXX I XXXX XXXX purchased gas at XXXX Gas/Car with my Venmo Card ( card information XXXX XXXX XXXX XXXX expiration XX/XX/XXXX CVC XXXX ) in XXXX XXXX, TX upon that a hold was placed on my account for {$100.00} for Pre-Authorization. The purchase itself was withdrawn from my account the same day ( XX/XX/XXXX ) of {$20.00}. I spoke to Venmo the following day and they stated that it was XXXX that caused this and that normally it would fall off with in 5 to 7 days. After 5 days I spoke to XXXX and they told me that they do not place holds that it is in fact my Credit Card company that does that. On XX/XX/XXXX I called Venmo and they said it was them in fact that did place the hold that it could take up to 30 days to release my funds because there system wouldn't let them override it ( email attached ). After stating that it depended on my card holder agreement. After several corespondents with Venmo with no resolution I wish to file this complaint. Further more I would like to know if Venmo as a company collects interest on money that is in there account. Meaning are they drawing any kind of interest or any other money from having this {$100.00}. If so as it being that it is my money I would like any interest or any money they have made off of my {$100.00} sent to me as this is only fair considering they did not earn this money in fact I feel they are stealing my money. There are conversations with Venmo agents on the lower portion of this complaint that I have on record. Thank you for your time. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CST Chat started : XX/XX/XXXX XXXX XXXX UTC ( XXXX XXXX ) XXXX XXXX : Why is my balance lower than it should be? ( XXXX XXXX ) *** XXXX XXXX joined the chat *** ( XXXX XXXX ) XXXX XXXX : Thank you for reaching out to Venmo. What is the discrepancy with the balance? ( XXXX XXXX ) XXXX XXXX : Hello ( XXXX XXXX ) XXXX XXXX : Hi. ( XXXX XXXX ) XXXX XXXX : Why is my balance lower than it should be ( XXXX XXXX ) XXXX XXXX : What is the discrepancy with the balance? ( XXXX XXXX ) XXXX XXXX : Missing money had XXXX made 3 purchases one time f XXXX one of XXXX and one of 7 and some change so where is the rest ( XXXX XXXX ) XXXX XXXX : One moment while I get our purchase support team on the chat. ( XXXX XXXX ) XXXX XXXX : Ok ( XXXX XXXX ) XXXX XXXX : Sorry not 7 it was {$10.00} so essentially {$80.00} is missing ( XXXX XXXX ) XXXX XXXX : Atleast ( XXXX XXXX ) XXXX XXXX : XXXX ( XXXX XXXX ) XXXX XXXX : Hello ( XXXX XXXX ) *** XXXX XXXX joined the chat *** ( XXXX XXXX ) XXXX XXXX : XXXX XXXX, I am XXXX from Venmo Support. ( XXXX XXXX ) XXXX XXXX : Thanks so much for hanging in there. It looks like this issue will need to be handled by our Purchase Support team. Give me just a moment while I transfer you over to them! ( XXXX XXXX ) *** XXXX XXXX left the chat *** ( XXXX XXXX ) *** XXXX XXXX left the chat *** Your request ( # XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX. ( Venmo ) XX/XX/XXXX, XXXX XXXX CST Hey there XXXX, XXXX here with Venmo! It nice meeting you today. After the 30 days have been met, you can reply back to this email and I will be able help you resolve this. details I can confirm that the authorization to XXXX GAS/CAR for {$100.00} on XX/XX/XXXXis still pending on your Venmo account. While {$20.00} has been captured by the merchant, the remaining {$100.00} has not yet been voided. Typically, authorizations drop off within 5 days. However, authorizations can remain in a pending state for up to 30 days, per our cardholder agreement. Once the merchant completes this transaction and it is received on our end, any remaining held funds will be released back to your balance. You will then see only the completed charge ( s ) on your transaction history. There is not a way for us to speed up this process. I can confirm that the remaining {$100.00} will be released back to your balance no later than XX/XX/XXXX ( barring any adjustments from the merchant ). If you see that this authorization is still pending at that time, please let us know. To answer your question before we got disconnected : it is XXXX and how they process their payments. Thank you for your patience with this process. I appreciate it. Kind Regards, XXXX XXXX.| Venmo Support XXXX XXXX. ( Venmo ) XX/XX/XXXX, XXXX XXXX CST Hi XXXX , XXXX from Venmo Purchase Support here, taking a look at your account for you! I'm sorry for the trouble here! Unfortunately it looks like this is related to a known issue impacting some users where payments will be locked in a pending state, even past the maximum timeline of 30 days. I will go ahead and escalate your case over to our engineering team. For now, I do not have a specific timeline I can provide for a resolution, but as soon as we have an update, we'll follow up with you via email. Thank you for your patience here. Best, XXXX XXXX. Venmo | Purchase Support | ||||||
| 02/01/2021 | Yes |
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| This is my new complaint to respond to this new problem as I believe the original complaint has now been closed. ( XXXX ) My responses are in parenthesis. ( No way to highlight or color on this site. ) Company 's Response : On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPals user agreement ( User Agreement ). ( Once again anything to do with my complaint of not being able to contact you to fix the problems I am having? If I have not participated with any of these agreements please spell them out. If you are trying to say you can do whatever you want as far as not giving me proper access to my funds I doubt you will be able to do that. You may be asking for some real trouble with that one. Which is where this is heading if you do not start helping me fix these issues and get access to my funds other than buying things using paypal or my paypal debit card. ) On XX/XX/XXXX, you provided yourXX/XX/XXXX savings account ( Savings Account ) to PayPal to use as a funding source and for withdrawals. On XX/XX/XXXX, you provided yourXX/XX/XXXX checking account ( Checking Account ) to PayPal to use as a funding source and for withdrawals. On XX/XX/XXXX, you removed your Checking Account from your Account. On XX/XX/XXXX, you filed CFPB complaint XXXX, stating that you were unable to link your Checking Account to your Account. Additionally, you complained that you were being asked to complete an additional verification step to prove ownership of your Savings Account, and that these issues were preventing you from accessing the funds held in your Account balance. Consequently, on XX/XX/XXXX, we completed a detailed review of your Account and found no evidence of unauthorized Account activity. Furthermore, we enabled your Checking Account on your Account to be used as a funding source and for withdrawals. ( Once again I have little idea what is going on here but I do not want any bank acct linked to my paypal account unless it is at my direction. I dont believe I ever had the acct mentioned linked so I have no idea what they are talking about. When I did attempt to it gave me error so it seems funny the system would not let me link it again if it was previously linked. I need paypal to undo any actions like this they have taken. And I need them to respond and take action related to my original complaint so I can access my funds and take care of any other issues. I need access to their company not just a website that does not work. ) For further information into PayPals review of your Account, please review our response to complaint XXXX dated XX/XX/XXXX. Upon receipt of your Complaint, we attempted to contact you via telephone to discuss your recent Account activity ; however, we were unable to reach you at that time. As you requested the ability to withdraw the funds from your Account to your Checking Account, we are declining your request to remove your Checking Account from your Account on your behalf, as this would prevent you from withdrawing funds to the Checking Account. ( I had an error when I attempted that so I was stopped and also stopped myself at that point with any reattempts. You have no right to add steps to what I was doing and link any account on your own. I will be contacting the AG for criminal action on this if you continue to have any accounts linked I have not authorized. You have even admitted here what you have done improperly. And I am not to be required to be available to you for phone calls. I am not getting paid for that and I do not want the job. This is a big part of the problem I am having with you. You are getting paid to have phones available for me and you have not furnished that. ) Further, as you currently hold a balance in your Account, we are unable to close your Account at this time. ( What are you talking about with closing my account? When did I ever request that? ) We have included instructions on how to remove a bank account from your Account and close your Account once you withdraw your Account balance, should you still wish to do so. ( Where did you include instructions to do that? It may be impossible for me to access ebay if I have no ppal account. That is another problem I may be working on soon also. I have not asked for any accounts to be linked in these complaints. I do not want any linked in these actions and I want any of those actions retracted. I want to be able to do that on my own if and when I want. I am being left in the dark on this all. I have asked to be able to link an account when I want. I want the system fixed and then be messaged when that is accomplished. I also need a way to contact ppal if needed if I have problems again when I go to link an account. That is what I have asked for from day one and nothing else. If you dont immediately delink any accounts I did not personally link immediately I will be contacting the AG. I am not going to keep playing these silly games. Along with retracting any of your improper actions refer to my original complaint and what I am asking for and furnish a resolution to that and not all of this other bs. I will be contacting the AG on XX/XX/XXXX. ) | ||||||
| 08/09/2017 | Yes |
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| Hello, I am contacting you in regards to a dispute I currently am involved with between PayPal, an individual whom purchased an item from me on XXXX and his credit card company. PayPal is refusing to honor their " Seller Protection '' policy saying the item " was not as described '', even though it was and there 's no way for them to prove otherwise. There is {$1200.00} in funds related to the transaction of this item that I am currently out, outside of some other costs and a lot of time dealing with this matter. The shortstory, the buyer received the item ( that I listed and he won on XXXX ), told me that it was n't working properly when he received it ( even though I had tested it before shipping and it was working perfectly ). I offered a refund on return. He did not return the item ( sent back an empty box to the manufacturer instead of sending the item to my address as supplied on the return label I sent him ), so I refused the refund. An XXXX dispute was filed, which I ended up winning. During that dispute, I had provided evidence that the buyer not only still had the item after claiming to return the item, but was selling the item on XXXX. I had a friend of mine in his area contact him through his XXXX listing and confirm that it was the same individual that had purchased the item from me, and that it was the same item ( he provided a picture of the serial # ). I contacted both my local authorities and the authorities in his area and was advised to file a police report with my local authorities, which I did ... but there was not much else they could do. All of this information was provided to XXXX in resolving their dispute ( in my favor ) and they released the funds to me. After the dispute with XXXX was settled, I found the buyer selling the ( stolen ) item on XXXX. I reported this to XXXX, but they did nothing about it and it was sold to another person. Note that the buyer ( selling the item now ) listed the item as " In working condition. '' and " fully operational and functions as intended '', even though he claimed it was broken in his dispute. I can provide links to my listing that he bought from and to his listing, if necessary. This fact alone should negate any " item not as described '' claim. A few weeks later, I get an email from PayPal saying that my balance was negative. It turns out that the buyer filed a charge back with his credit card company. So, PayPal deducted the amount from my account and has claimed that their Seller Protection does not apply to my situation because the item was reported " item not as described ''. I 'm not sure how that the " item not as described '' can be taken seriously when the guy claimed it was n't working at all ... which is the only way it could be " not as described '' ( said " all the lights stay on and it makes a squealing noise '' ), then turns around and lists/sells it ( after claiming to have sent it back to me ) saying that it works perfectly and posts pictures of it powered on without all of the lights being on as he had said it had been doing. This could not be any more of an obvious scam, yet PayPal has continued to deny me coverage under their Seller Protection despite numerous attempts to work this out with them, showing that I won the XXXX dispute against this person and providing all of the evidence that I have documented in this matter. They only answer me with this ... " Please note that we have disputed the chargeback with the buyer 's credit card issuer. Depending on the credit card issuer involved, the chargeback dispute process may take up to 75 calendar days. The chargeback case will reflect as closed within the Resolution Center of your PayPal account while we await the credit card issuer 's response. Once the card issuer has responded to PayPal with their decision, we will send an email to your primary email address with the final outcome of the case. Keep in mind that the outcome of a disputed chargeback is ultimately made by the credit card issuer and PayPal can not appeal or control the decision. If the chargeback is decided in your favor, the funds will be credited back to your PayPal account balance. '' Also note that in the PayPal transaction history, this item was listed as " eligible '' for the PayPal Seller Protection. I have very little faith that I will ever see this money at this point since PayPal wo n't even acknowledge that I have been wronged by not honoring their policy and prtecting my funds. How can I trust that they 'll represent me well in this case to the credit card company? Since, I 've sold a few items on XXXX with PayPal as the payment method ( no other choice ) and I have been unable to collect this money as it goes directly into paying the negative balance on my PayPal account. So, essentially, I 've given away a bunch of stuff that I worked hard to purchase. I 've made hundreds of transactions on PayPal and XXXX ... never with an issue and have maintained 100 % positive feedback since 1999. This situation sickens me and I 'm not sure where to go with it. This is very disheartening. I can provide any communications or other evidence I have as needed. Please advise. | ||||||
| 05/16/2022 | Yes |
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| I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX. My paypal account : ( XXXX ) has stucked funds in it that I have to withdraw asap for emergency purposes. I am very hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. For Identity verification, I attached my Valid ID. Please see the attachment. Here are the details of my transactions : XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$170.00} USD - {$1.00} - {$170.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$170.00} USD - {$1.00} - {$170.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX XXXXXXXX XXXX XXXX CompletedShipped Completed {$7.00} USD - {$0.00} {$6.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$79.00} USD - {$0.00} - {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$79.00} USD - {$0.00} - {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$11.00} USD - {$0.00} - {$12.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$11.00} USD - {$0.00} - {$12.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$12.00} USD - {$0.00} {$12.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$89.00} USD - {$4.00} {$85.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XX/XX/XXXX Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$76.00} USD - {$3.00} {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$79.00} USD - {$3.00} {$75.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XX/XX/XXXX i Transfer ( Credit ) to XXXX XXXX Balance Completed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX i Transfer ( Debit ) from U.S. Dollar Balance Completed- {$66.00} USD {$0.00} - {$66.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$69.00} USD - {$3.00} {$66.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$16.00} USD {$0.00} - {$16.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$17.00} USD - {$1.00} {$16.00} XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$46.00} USD {$0.00} - {$46.00} XXXX XXXX XXXX Payment from XXXX XXXX Shipped {$34.00} USD - {$1.00} {$33.00} XXXX XXXX XXXX Payment from CompletedShipped Completed {$48.00} USD - {$2.00} {$46.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$87.00} USD {$0.00} - {$87.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$14.00} USD - {$0.00} {$13.00} XXXX XXXX XXXX Payment to XXXX XXXX XXXX XXXX- {$3.00} USD {$0.00} - {$3.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bill To XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$76.00} USD - {$3.00} {$73.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$66.00} USD {$0.00} - {$66.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$41.00} USD - {$2.00} {$39.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$27.00} USD - {$1.00} {$26.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$31.00} USD {$0.00} - {$31.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$14.00} USD - {$0.00} {$13.00} | ||||||
| 12/21/2022 | Yes |
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| The company is PayPal and the application causing the problem ( for me ) is Venmo. As you may be aware the IRS change the the reporting rules for companies involved in Person to Person Payments such as Venmo, PayPal, XXXX XXXX, etc. As a result if a customer of XXXX of these companies receives a payment for " good and services '' and those payments ( for goods and services ) within the same calendar year have a cumulative total of {$600.00} or more, the Company ( in this case Venmo ) is required to report that total amount to the IRS and issue the customer a XXXX. This situation is I have XXXX transactions on my account where friends of mine were paying me back for money they borrowed from me ( as I paid the entire bill for the event or function we attended together ) and they mistakenly mark the payments on Venmo for " good and services '' vs " friends and family ''. As you may know, the receiver of funds on Venmo ( in this case me ) has no control over how a sender marks or codes a payment and is not able to see it until it hits the account. The only way they know it was marked ( in this case inaccurately ) is when the transaction has hit the account because Venmo charges the receiver a fee for payments they receive for goods and services. I had XXXX payments from friends that were sent to me in XXXX where my friends mistakenly marked those payments for good and services and I noticed it when I saw the net payment amount was lower than what they owed me as a result of the transaction fee Venmo charges for payments for goods and services ( there is not transaction fee charged for payments to friends and family ). The XXXX payments in question are : XXXX from - XXXX for {$1600.00} on XX/XX/XXXX XXXX from - XXXX. for {$500.00} on XX/XX/XXXX XXXX from - XXXX. for {$1300.00} on XX/XX/XXXX Venmo reversed the transaction fee charged on these payments for goods and services because after they reviewed them and with speaking to me and in XXXX case ( XXXX ) they realized the payments were marked in error by the sender and the payments should have been marked friends and family. However, they will not adjust their system to move these payments that were marked in error to the correct category and now they are going to knowing report in error to the IRS the cumulative total of these payments {$3400.00} and issue me a XXXX. You can imagine the problems this is going to cause. I do not sell good or services on line or to anyone else. I do not have a company that does either. This is essentially my money that I've already paid taxes on being given back to me by a friend because I paid the entire bill in total as a convenience to the group ( I essentially loaned the money to them ) and they paid me back. My complaint is as follows : -Payments sent to me automatically hit my account without any approval from me. Therefore, I have no way of knowing if the sender mistakenly codes them incorrectly until after they have hit the account. If a mistake like this is made it's 100 % out of my control. XXXXVenmo recognized the payment was mistakenly coded as for goods and services and refunded the transaction fee they charge for payments for goods and services. Therefore they know it's a mistake as well. -Even though they have acknowledged the payments were not coded accurately ( by refunding the transaction fee ) they are going to still report the cumulative total of those payments to the IRS XXXX as payments received for goods and services. I believe XXXX things should happen. First and foremost if Venmo acknowledged the payments were coded incorrectly as payments for goods and services ( by their actions of refunding the transaction fee ) then they should adjust those payments in their system as well and not knowingly report inaccurate data ( the total of these payments ) to the IRS. By issuing me a XXXX with inaccurate data, it is going to cost me time, money, and grief in working with the IRS to resolve this issue. Secondly, the system at Venmo should have some sort of confirmation process where the receiver of a payment can verify the accuracy all payments before those payments hit their account. If Venmo has made the decision to not recode payments once they hit a customers account, regardless of the accuracy of how those payments are covered then they need to create a process so the consumer can protect themselves from potentially have a mess on their hands with their taxes and the IRS. I have spoken to the representatives at Venmo multiple times and they are staying they can not adjust these payments that were coded incorrectly by the sender, even-though they acknowledged they are not accurate ( by refunding the transaction fee they charge on payments for good and services ) and they will send that inaccurate reporting to the IRS and XXXX me an inaccurate XXXX as well. I know they can make the adjustment on the coding of the payment to correct it, but they are choosing not to. Why Venmo is knowingly sending inaccurate data to the IRS that is negatively impacting their customers is alarming to me and I would think it would be alarming to the CFPB as well. | ||||||
| 09/10/2020 | Yes |
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| XXXX XXXX PAYMENTS + {$15000.00} XX/XX/XXXX Direct Deposit send money request - negative {$1500.00} XX/XX/XXXX Canceled Request Received Received notice about an account limitation : XX/XX/XXXX Dear Persons Name, Thanks for contacting us about your concerns. As a valued customer we want to help you make the most of your PayPal account. We prefer not to leave you waiting for an answer, so weve replied with this automatic message. Below you'll find some general information about limitations, but if it doesn't help you please give us a call. We often need to ask you questions to understand the details of your case and it's often better to do this by phone. You can call us by following the instructions at the bottom of this message. We sometimes limit account functionality as a security measure. This can happen for a variety of reasons. When you log into your account, you'll see a message explaining our reason. Possible reasons for a Limitation Possible unauthorised account access Unresolved disputes or chargebacks Violations of our User Agreement or Acceptable Use Policy. Restore your account Go to the Resolution Center. Click Go to Account Limitations. Click Resolve beside each step. Select the type of document you're uploading from the drop-down menu. Upload your document and click Submit. When you have completed each step, your account will be reviewed and you will receive an email updating you on your account status. The steps you'll be asked to complete are unique to your account issue. Often they'll involve providing information to verify your identity, financial details or any items you're selling. When all the steps are completed we'll review your account. We aim to complete our review within 48 hours. We'll email you with an update when our review is complete. If we havent answered your question, please reply to this email and our team will reply to you as soon as possible. Thanks, PayPal Copyright XXXX PayPal. All rights reserved. I then uploaded the documents that were requested. XX/XX/XXXX at XXXX XXXX I had a direct deposit for unemployment going back since XXXX so they sent XXXX because of the XXXX extra per week, I know this is a brand new account but the funds are legitimate, I would like to continue using my account and be able to transfer the funds to my bank XX/XX/XXXX at XXXX XXXX Dear Persons Name, Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. In the event of a dispute, PayPal will seek to recover the funds from you by debiting your PayPal balance and, if there are not sufficient funds in your PayPal balance, PayPal reserves the right to collect your debt to PayPal by any other legal means. If you want to refund your buyers, you are able to do that any time as long as the status of the transaction is completed. To issue a refund, go to the activity page, click the payment you want to refund, and click refund this payment. If you do not have the ability to process a refund, you can reply to this email with the transaction details. Well send a refund on your behalf using money from your PayPal balance. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. Please let me know if you need further assistance. Sincerely, XXXX PayPal Account Review Department PayPal I then responded : XX/XX/XXXX at XXXX XXXX PayPal Customer Support : This was a legitimate deposit from XXXX Unemployment insurance for the state of Illinois. Please help. This is my livelihood. I can't survive without this. Dear Persons Name, Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. In the event of a dispute, PayPal will seek to recover the funds from you by debiting your PayPal balance and, if there are not sufficient funds in your PayPal balance, PayPal reserves the right to collect your debt to PayPal by any other legal means. If you want to refund your buyers, you are able to do that any time as long as the status of the transaction is completed. To issue a refund, go to the activity page, click the payment you want to refund, and click refund this payment. If you do not have the ability to process a refund, you can reply to this email with the transaction details. Well send a refund on your behalf using money from your PayPal balance. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. | ||||||
| 08/19/2019 | Yes |
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| This complaint deals with a variety of transactions; all involving one particular vendor. The first troubling transaction date began in late XX/XX/2019. All of the transactions were items used for the purposes of remodeling our home. The vendor/merchant had significant issues with fulfilling orders, so much so that almost every order we made had to be corrected and/or refunded. Thousands of dollars were lost due to these issues. As such, I used the PayPal Dispute Resolution form to dispute the problems since the local merchant's store was of no help or assistance to my issues.As PayPal processed the disputes, they came to believe that I violated the terms of service and placed my account on hold. They would later close my account due to the amount of disputes, which I have moved on from. But as the processed disputes, they used a selective way to actually process if the outcome of the dispute was in my or the seller's favor. Allow me to explain by each transaction that I am disputing today:Transaction ID: XXXX -- Date: XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- This dispute was lost by myself because the seller was able to prove that the item was delivered to me. Yet, this is not why I submitted a dispute in the first place. In fact, the case notes clearly state that the items delivered were not matching the description of the items sold and were missing pieces, etc...Further, this dispute was marked as merchandise received significantly different than described. Because PayPal did not rule of the actual merits of the case, I lost money. The dispute ruling had NOTHING to do with why I was disputing the case in the first place.Transaction ID: XXXX -- Date: XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- Same as the dispute above, I received items significantly different than what I ordered. This time, PayPal allowed me to return the merchandise for a refund, provided I submit tracking information within 10 days. This notice went out to me on XX/XX/19. On XX/XX/19 I provided shipping information, in which once the merchant confirmed they had received, I would get a refund. Literally the same day that I uploaded tracking information, PayPal denied the refund and closed the case, siding with the merchant and wasting additional time, money and postage.Transaction ID: XXXX -- Date: XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- Again, the same type of dispute as the prior ones listed here. On XX/XX/19, 10 days after I disputed the amount, PayPal sided with the merchant because they provided shipment tracking from the merchant confirming it had been received. Again, I was never disputing the actual delivery of the items. I disputed the amount and transaction because the items received were not as described.Transaction ID: XXXX -- Date: XX/XX/19for $XXXX (disputed amount)Case ID: XXXX -- As before, the same issues arose for this case as well. I was asked to provided additional information this time to PayPal, which I did almost immediately. Despite this, my claim was denied because the merchandise had actually be shipped to my home, which again was not why I filed the dispute in the first place.Transaction ID: XXXX -- Date: XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- PayPal asked that I ship the items back in order to receive a refund. As before, they then immediately denied the case after I uploaded shipping. Tracking information shows it was delivered back to the exact address PayPal requested I send it to. Transaction ID: XXXX -- Date XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- Same as other issues, merchandise was received therefore my claim was denied. That was not why I filed the claim nor what the dispute resolution remarks showed.Transaction ID: XXXX -- XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- PayPal found the case against me because the tracking shows it was delivered to me. Again, not why I filed the case in the first place as I filed for merchandise significantly different than described and/or missing items from the order...Transaction ID: XXXX -- XX/XX/19 for $XXXX (disputed amount)Case ID: XXXX -- PayPal found the case against me because the tracking shows it was delivered to me. Again, not why I filed the case in the first place as I filed for merchandise significantly different than described and/or missing items from the order...So why were these transactions denied? I suspect that because some of the refunds were given already before I filed the disputes for the other items in the transactions, that PayPal automatically ruled against me. I also suspect that because they closed my account, they will claim that is why they denied the cases. Yet, that answer would be invalid considering other cases filed before the account closure were perfectly settled with a full refund AND because I filed these cases well in advance to my account being closed.When I discussed this with PayPal, I was given a variety of inadequate answers. I am seeking full refunds for these transactions, especially the ones where I shipped the items back as requested by PayPal. | ||||||
| 05/19/2022 | Yes |
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Web | Servicemember |
| This debt is the cause of Paypal not understanding how to issue temporary credit and retrieve it in a manner that does not cause issues with consumer protection at other financial institutions. To start, I have to give the full story from start to finish as to how paypal managed to negate my consumer protection at XXXX. My paypal account is XXXX Phone # XXXX My XXXX Claims filed are XXXX XXXX XXXX XXXX Mainly concerned about case ending in XXXX. On XX/XX/XXXX, I purchased XXXX XXXX XXXX with XXXX of storage billed in XXXX amounts of {$1700.00}. I returned the XXXX phones as the incorrect storage models were given ( XXXX ). I patiently waited for the XXXX to return the XXXX phones until they had an issue with the delivery. The item was never updated after " in-transit status had been given '' You may see this on XXXX yourself. XXXX is the tracking number from the label XXXX provided for the return. I contacted XXXX XXXX several times trying to resolve this situation. They stated they would provide replacement XXXX. They were never issued. I called one last time and they stated my best chance was to call XXXX and have them open a claim for the missing package. I contacted XXXX trace dept. and they said they can not pursue a claim as they have a freight agreement between XXXX and XXXX that prevents such. I even recieved a physical letter stating such by XXXX which I can upload. I contacted Paypal and filed XXXX claims with them for both amounts of {$1700.00} for the XXXX XXXX This is because XXXX bills the phones separately. For both claims, I provided Paypal the Shipping label that XXXX provided for the return, I provided the tracking number by XXXX stating the return had be made, but due to XXXX issues that XXXX had to pursue their agreement with XXXX in order to make a claim. The first case XXXX was denied due to Paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' Yes the return could not be finalized aforementioned reasons... The XXXX Paypal case of XXXX, On XX/XX/XXXX, I recieved a message stating that they would look into this and issued a Provisional Credit. Their credit was issued as a Refund under my Bank statement. First, this is a major issue. If a refund is issued to my financial institution and I lose the case with paypal, that means I would not be able to pursue it with my Bank XXXX. because they will see the merchant refunded my money and can not dispute the transaction any further. As expect on XX/XX/XXXX they denied my case XXXX XXXX paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' They did not contact me or call me to provide them any details they may have been concerned about as I elaborated best I could, but they refused to provide best effort. On XX/XX/XXXX, Paypal attempted to rebill me for {$1700.00} from my debit card on file. I did not allow this, because if I were to dispute the transaction it would be with Paypal themselves and not XXXX. Therefore Paypal billed me via account balance on Paypal. This caused weeks of headache, trying to explain to my Financial institution that Paypal issued a temporary credit and NOT a refund, but due to XXXX inability to label the transaction as a Temporary credit, XXXX could not provide me an consumer protection. I called paypal Multiple times and they stated I would have to reach out to XXXX to have them contact their dispute department. I asked them for e-mail, address information that XXXX could use to contact their department. They stated that since they are a back office, they can not provide any contact information. So to sum it up, I can not pursue a dispute with XXXX because Paypal issued a temporary credit as a refund, Refused to understand my situation with the claim, Then completely invalidated my consumer protection because XXXX saw that Paypal Issued a refund in the amount of {$1700.00} for the original transaction placed on XX/XX/XXXX. Then attempted to rebill me for that amount, as stated, if I let paypal bill me, I couldn't pursue a dispute via my financial institutions as it is a " debt '' that paypal is recollecting and not something the XXXX XXXX XXXX has any control over. The provided documentation attached are as follows. XXXX Issuance of Temp Credit.pdf - Shows where paypal issued " Temporary Credit '' XXXX Case Denial.pdf - Paypal denying my case for " invalid tracking '' XXXX notice of debit.pdf - Notice of paypal Rebill for the " refund '' they sent me XXXX - My personal bank statement detailing Paypal 's inability to label the transaction as a Temporary credit for the amount of {$1700.00} on XX/XX/XXXX XXXX XXXX XXXX - Tracking that is verifiable XXXX Return Label.pdf - XXXX return label for the XXXX XXXX XXXX Declined Transactions.pdf - The attempt to rebill me, which they actually reference it is a reversal of temporary credit, but they could do that for the issuance??? Account Activity Paypal Case.pdf - Note how Paypal labels it as a refund reversal? How is this not a breach of consumer protection. | ||||||
| 06/06/2020 | Yes |
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Web | Older American |
| RE : Attempted Financial Fraud - Ms. XXXX XXXX via PayPal I am an owner of a timeshare week ( mid XXXX ) at the XXXX XXXX in XXXX. My wife and I go there almost every year. In early XXXX of this year I learned that I needed XXXX XXXX XXXX as a result of a XXXX in which I lost XXXX XXXX. Consequently we decided that we would not go to XXXX this year and decided instead to rent out our condo week, as we have done once before in the past. My wife listed our mid-XXXX rental on a XXXX page that is specific to XXXX owners at a price of {$540.00} ( less than half of what one would pay if dealing dircectly with the resort. ) Ms. XXXX, an owner herself, bought the week and paid us through PayPal. As you well know, a virus suddenly erupted in XXXX and spread thoughout the world. Consequently, I believe in XXXX, XXXX closed its airport down completely and as a result, XXXX was forced to close as well. Ms. XXXX then contacted us and asked if we would consider giving her our week next year instead of this years which cant be used, or in the alternative, refund to her half of what she paid. We told Ms. XXXX that she could not have next years week as our granddaughter is XXXX from college and we are taking the whole family down at that time. We also said that we would think about giving her a partial refund. While we are sympathetic, the virus was certainly not our fault, nor are we legally or contractually required to refund anything. As an owner herself she knows that when the resort opens again, all of the owners in good standing who lost their week this year will be compensated with alternative accommodations. Nevertheless, my wife and I agreed to refund 1/2 of her payment ( less half of our unit transfer fee ). Thus on XX/XX/XXXX, we refunded {$250.00} thought PayPal. An attorney friend of ours felft that we were being generous and confirmed that we were under no legal obligation to do what we did. That is when the financial fraud scheme began. On XX/XX/XXXX, more than a week after receiving the {$250.00} refund, Ms. XXXX filed a request for a FULL refund from PayPal through her bank. In support of her full refund request she alleged the following according to PayPal : The merchandise was damaged or defective. As an owner she know that is a lie. The resort is very well maintained. It was neither damaged nor defective. The merchandise was not as described. Another lie. The unit number was provided in our listing and is a very desireable unit as it is ground-floor walk-out to poolside. As an owner herself, she knows that. Services were not rendered. Another lie. I paid the resort to transfer the unit to her. And finally, Item not received. Another lie. I sent her the written confirmation from XXXX that the unit was hers for the mid-XXXX week. I guess at that point she ran out of potential lies to further support her fraudulent claim. As soon a I received notice from PayPal of Ms. XXXX FULL refund request, I informed PayPal of what was taking place and on XX/XX/XXXX, requested an immediate refund of my charitable {$250.00} payment to Ms. XXXX. On XX/XX/XXXX, PayPal informed me that it has refused my request to return the {$250.00} and closed the case. PayPals Case I.D . is XXXX. Apparently, PayPal also decided - despite having been informed of the facts - that it would charge my account for the FULL refund and include an extra {$20.00} fee for the chargeback. On XX/XX/XXXX, I received an email from PayPals collection department informing me that I had a more than {$500.00} negative balance in my account and that this was an attempt to collect a debt! It said that I should add money to my account as soon as possible. I called PayPal and spoke with a colleciton agent whose ID number is XXXX, and the FULL refund claim is Case ID : XXXX. I told the agent what is detailed above and that this FULL refund claim is an outright fraud attempt. I also said that I would not add money to my account and if PayPal decided to honor the FULL refund request, they would be complicit in an obvious attempted fraud. I was told that it was up to the buyers bank whether or not to require the refund and PayPal had no control over that. I told the agent that sounds rediculous - of course the bank will want the refund to keep its customer happy. If PayPal is required to refund by the bank, then use its own money - not mine. And for the record, I still want my charitable {$250.00} refunded to me. I dont like dealing with dishonest conivers. I have owned an XXXX store for more than 20 years and have used PayPal ever since it first became affiliated with XXXX. PayPal has made thousands of dollars on my XXXX sales over the years. Any assistance you can provide to stop this attempted financial fraud, stop PayPal from charging my account and recover my unnecessary charitable refund would be most appreciated and save me the cost of legal counsel which I will employ if I have to. Incidentally, the PayPal account is in my wifes name, XXXX XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX cc : XXXX XXXX | ||||||
| 09/25/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 around XXXX I sold A " XXXX XXXX XXXX XXXX Model : XXXX XXXX '' hereinafter referred to as " XXXX '' to XXXX XXXX XXXX XXXX XXXX hereinafter referred to as " XXXX '' This transaction took place outside a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX After weeks of negotiating and 80+ emails that included pictures, every manufacturer specifications, dimensions, weight, ect. XXXX agreed to pay me {$2500.00} for the XXXX. They sent a driver to pick up the XXXX outside the XXXX XXXX XXXX in downtown XXXX. The pick up was a requirement from myself and included in our agreement. I gave a full disclosure to XXXX that I had recently purchased the item through a government auction and did not have the means to ship or store the XXXX. Once the XXXX was loaded in the truck and XXXX reluctantly sent the payment for {$2500.00} using PayPal this would have completed the transaction. However 2 days later XXXX filled a fraudulent claim with PayPal stating that the item was " Significantly not as described '' PayPal immediately put the funds on hold. I submitted an overwhelming amount of evidence to PayPal that effectlly invalidated the fraudulent claim made by XXXX. In less than 1 business day the dispute was won in my favor. PayPal concluded that the best course of action was to issue a full refund to the buyer once the seller confirmed delivery of the returned item and that the buyer was responsible for shipping the item back. The buyer refused to return my property. The XXXX has an MSRP of $ XXXX. XXXX then choose to file an additional claim directly with their financial institution to exploit their chargeback policy. A chargeback is a refund that is returned to a debit or credit card payer. The money transfer is reversed back to the consumer from the bank account or line of credit. Chargeback fraud occurs when the consumer attempts to make a fraudulent chargeback to his or her account. For this to occur, a customer makes a legitimate purchase and wishes to receive the product or service without paying for it. The customer files a fraudulent claim with the bank where the charge was made in order to get a refund. The bank initiates a chargeback and refuses to pay the merchant This intentionally deceptive business practice is also know as a " false chargeback '' or " Friendly Fraud '' It has been 60+ days since the 2nd act of blantent fraud from XXXX XXXX XXXX. They still possess my property, refuse to return it, refuse to pay for it and have no problem consistently engaging in felonious actions that have directly caused additional damages. PayPal charges a % for transactions. This specific one is for {$87.00} that normally would have been deducted from the original sales price of {$2500.00}, but due to the false chargeback, not only was the {$2500.00} immediately returned to the buyer, but I'm still responsible for pay the fees for processing the transaction..This has resulted in a negative account balance with PayPal and with the buyers 2nd fraudulent claim taking over 2 months to investigate the negative balance has been sent to collections and now has negatively impacted my credit score and continues to cause damages. It has been 60 days since this false chargeback was filed. PayPal refuses to disclose the name of the financial institution so I may represent The evidence required to validate my claim on my own. PayPal 's misleading seller protection was conveniently taken away from me after I threatened a civil action. Once I threatened to file a civil action my PayPal account was closed and it states that I can no longer do business with them but yet I owe them {$86.00}. The only other transaction that I processed through PayPal was sending myself {$1.00} of which they kept XXXX. There is a {$15.00} charge for disputing the {$2500.00} that PayPal has blatantly let the buyer steal from me. PayPal refuses to offer any further assistance. PayPal 's refusal to offer assistance has caused me damages including {$86.00} in processing fees for the {$2500.00} transaction of which I have never been given access to the funds. Even after the chargeback is settled and XXXX in my favor and the {$2500.00} returned to my PayPal account balance, I still will be unable to use or access any of the funds since PayPal closed my account without giving me a reason why. It is PayPal 's policy that the funds would continue to sit there for an additional 180 days causing me further damages before they release the funds into my account. This 180 day policy is unlawful and a misleading business practice as PayPal was believed to have been a trusted financialist intuition with integrity. Somehow this financial institution with hundreds of millions of customers and untold trillions of dollars in liquidity somehow can not cut me a check, but they can colonize Mars? Something doesn't seem right, I've been taking advantage of I have been misled and my damages continue to increase daily. I contact PayPal daily and I get the same answer which is no help because they simply reiterate that day can't do anything. | ||||||
| 04/11/2022 | Yes |
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Web | Older American, Servicemember |
| XXXX from Me. Your online complain system does not work today From PayPal : CUSTOMER SERVICE Request : Donation Details XX/XX/XXXX Dear XXXX XXXX XXXX XXXX, Thank you for contacting PayPal Customer Support. My name is XXXX and I am happy to assist you with Donation. Below are the details of the transaction. Transaction ID : XXXX Transaction Date : XX/XX/XXXX Amount : {$200.00} USD Recipient : XXXX XXXX XXXX Did you know you can also send us a Message? Just log into your account, go to www.paypal.com/us/smarthelp/contact-us and select an issue. Sincerely, XXXX PayPal XXXX XXXX PayPal ========================================================== From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : R From : XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX Subject : Receipt for your donation to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PayPal You donated {$200.00} USD to XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Transaction ID : XXXX Purpose : XXXX XXXX XXXX? Reference : XXXX XXXXXXXX to : XXXX XXXX XXXXXXXX Donation from : XXXX Donation amount : {$200.00} USD Funding Sources Used ( Total ) XXXX XXXX {$200.00} USD Amount you paid : {$200.00} USD The transaction will appear on your credit card statement as PAYPAL XXXX. Use PayPal next time. Your PayPal account makes donating quick and secure. Log in to PayPal PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX Right to Refund You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if PayPal , Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to PayPal , Inc., at XXXX XXXX XXXX, XXXX, NE XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to section 2102 of the California Financial Code. PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. PayPal Customer Service can be reached at XXXX. Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX : XXXX ======================================================= ======================================================= PAYPAL Does not include the Business / XXXX Name , Address, Phone Number and Email on the receipt So, NO ONE can TELL where the MONEY is going? XXXX XXXX XXXX XXXX XXXX XXXX ======================================================= ====================================================== PAY PAL, INC. File NO. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX United States ( corporate headquarters ) XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NE XXXX, United States ( operative center ) Zip Code : XXXX Traded as : XXXX : XXXX, XXXX component XXXX XXXX XXXX XXXX XXXX component and XXXX XXXX XXXX XXXX component XXXX : XXXX Industry : Financial services ======================================================= ======================================================= ME AND XXXXXXXX XXXX XXXX THE PARTICULAR PROBLEM IS WITH THIS BUTTON XXXX : XXXX? XXXX & XXXX & XXXX DOES NOT HAVE ADDRESS, PHONE NUMBER, EMAIL ON THE BUTTON OR RECEIPT or even the XXXX Number? SO ONE DOES NOT KNOW WHERE THE MONEY IS GOING? ; I WAS Asked ON XXXX XXXX XXXX I STARTED FOR XXXX XXXX XXXX XXXX XXXX AND THE ANSWER MUST BE OBVIOUS NOT LIKE IT IS NOW ; VERY UNACCEPTABLE. ========================================================== XXXX XXXX XXXX ========================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX : XXXX | XXXX XXXX XXXX XXXX RECEIVING AND DISTRIBUTING DONATIONS TO PEOPLE OF XXXX AFFECTED BY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a 501 ( c ) ( 3 ) organization, with an IRS ruling year of XXXX, and donations are tax-deductible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ====================================================== ======================================================= PayPal is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ======================================================= ======================================================= Regulate them and require Name Address phone number email address on all receipts and XXXX would be good as well XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/26/2020 | Yes |
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Fw : As the issuers of paypal master card debit card paypal has passed the buck to you XXXX / Sent XXXX XXXX |
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| 01/24/2023 | Yes |
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| On the early morning XX/XX/2023 I received a fraudulent invoice request to my PayPal account for nearly {$500.00} from a cryptocurrency scammer. This scam involves a legitimate email sent from PayPal 's invoicing service, and is possible due to the fact that PayPal does not have any major security limitations on unknown accounts sending customers large fraudulent invoices on company email/letterhead. PayPal also does not provide a method to flag or dispute these fraudulent invoices ( in their words, only completed transactions can be disputed ), so the scam invoice stays present and listed on your account in perpetuity. This type of PayPal direct invoicing scam has been widely reported on in recent years, as has PayPal 's inability to provide adequate support to affected customers, or to patch the security vulnerabilities that makes this scam possible. My story begins when I attempted to use PayPal 's dispute center to resolve this, only to discover that PayPal does not let you dispute or flag these types of invoices. I then spent several hours trying to reach phone support, only to find that their phone system is almost 100 % automated at this point and merely serves to direct you to the dispute center website ( which obviously doesn't work to solve this type of situation ). Essentially there appeared to be no way for me to remove this invoice from my account or to flag it as fraudulent. It seems that PayPal 's view of the situation is that I should merely let a large fraudulent money request remain on my account in perpetuity, appearing as authentic among my legitimate money transfers. At this point I decided to close my PayPal account of ~15 years ( and in good standing, {$0.00} balance ) due to the shameful lack of customer service, and the general sense of unease about the security vulnerabilities present in a platform that would let this happen to myself and hundreds of other people. Basically I just don't feel safe having my personal financial information linked to an account that allows this to happen. On the late morning of XX/XX/XXXX, I proceeded with the account closure form on the PayPal website, only to be informed that I needed to first close a dormant, {$0.00} balance XXXX account I have with PayPal XXXX. PayPal XXXX is not actually operated by PayPal, but by a legitimate bank called XXXX. I contacted XXXX via phone about closing my PayPal XXXX account, and within 5 minutes I had fully closed and settled my account ( no outstanding payments or balances ), and received both a confirmation email and a confirmation text of the closure. Additionally, navigating to the PayPal XXXX website now tells me that my account has been closed and deactivated. The crux of my problem begins now. Today, XX/XX/XXXX, I go to the main PayPal website to close my digital wallet account with them, only to be met with an error that my account can not be closed due to the fact that I have a PayPal XXXX account ( which I obviously now don't ). Basically, PayPal 's systems refuse to register that I have closed my linked account, and I have no way to deactivate the link as a customer on their website. I call into PayPal phone support and manage to reach a human customer service agent, in order to see if they can resolve the error. I am met with nothing but obfuscation and deflection. PayPal 's first line customer support and a supervisor both tell me that the error is due to me having an open XXXX account, and refuse to accept my confirmation emails or testimony as evidence to the contrary. They tell me that I need to contact XXXX, and refuse to listen when I tell them I have already done so. At this point I contact XXXX to double check, and they send me another confirmation and convey to me that at this point, after 24 hours, the main PayPal business has already been informed that my XXXX account is permanently closed and that there should be no link any longer. The XXXX customer service rep discloses to me that they have dealt with mainline PayPal customers in the same situation before due to PayPal refusing to update their systems in a timely manner ( or at all ). Essentially, despite the fact that my PayPal XXXX account no longer exists, PayPal XXXX XXXX maintains a listing of an open XXXXXXXX account and corresponding personal financial information related to said account, in direct contradiction of the account status with their banking/credit partner XXXX. In summary, I am not sure what violations PayPal may be committing but I believe the following to be deeply problematic : A ) Their enabling of fraudulent crypto invoicing scams and refusal to provide any customer support or resolution when they happen B ) The severe disconnect on PayPal 's side in which they are actively disregarding the status/standing of the XXXX account serviced by their partner XXXX C ) The complete inability for me, as a customer, to close my good standing {$0.00} balance account in a timely and reasonable manner and the lack of a clear path to resolution of this issue from PayPal. | ||||||
| 07/13/2020 | Yes |
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| Here is a brief timeline of events that I can access on the Venmo app. In short, two unauthorized devices accessed my account, resulting in a series of transactions that led to a net loss of {$890.00} from my account. Venmo 's user agreement protects me from unauthorized transactions, yet upon filing reports, Venmo freezes my account for a nebulous breach of their user agreement ( the reason is, of course, not disclosed, just like their investigation results ). - XX/XX/XXXX : A random stranger sent me two transactions of {$500.00} each. I did not notice this until later. - XX/XX/XXXX : 4 transactions totalling {$1800.00} were sent to a different stranger, who somehow got on my friends list. I also did not notice this until later. - XX/XX/XXXX : I attempt to use Venmo, and find it frozen. I talk to customer service via Venmo app to dispute the transactions and they inform me they have put an account specialist on it. - XX/XX/XXXX : I am informed via e-mail that my Venmo account requires verification with my photo ID. I provide it to them via their website, as instructed. - XX/XX/XXXX : An account specialist contacts me, who informs me they have reviewed my account activity and has denied my claim. Included in that email is that they are willing to review it if I provide them with additional information. I do what investigating I can ( which is limited because they refuse to help at all unless it is with an official police investigation ) and email him back with the following information : - I point out the specific transactions I wish to dispute again. - I give out logical explanations on why none of the subjects make any sense ( topics such as medicine for parents, birthdays, sisters ) and offer to provide documentation supporting my reasoning. - I ask that they check up on the locations/background of the two strangers, and tell them where I have lived for basically the past 20 years and offer to give them access to my social media and phone contacts so they can make sure I have no connection with them. - Venmo has a tab on the app showing " Remembered Devices, '' which shows generally the location and type of device that it remembers. I notice two devices from random locations added to that list, one from GA on XX/XX/XXXX and another from TX on XX/XX/XXXX. On both of those days, I am in XXXX, and I offer to provide proof of that. I have never traveled to either of those locations ( except maybe passing through GA long ago ). In addition, the only device I have ever sent money from is my one phone, though I have accessed Venmo from a couple of computers before. -XX/XX/XXXX : A different account specialist contacts me, telling me they have permanently frozen my account. I attempt to talk to a supervisor, escalate it, or reopen this case, but am given a canned response about how it can no longer be escalated and he considers the matter closed. In the process, I inform this account specialist that I am in the midst of talking to the other account specialist, but this one informs me the previous account specialist also already denied my claim. ***After sending MANY follow up requests for the rest of XXXX, giving ample time of about a week for responses, including requests for information about how to secure my accounts and information about the case, which were all ignored by the account specialist until I followed up on social media, I finally got two responses, each time prompted by social media requests. This shows blatant disregard for their consumers ' identity safety, but I digress*** - XX/XX/XXXX : All of my questions were ignored, and the only thing that was sent to me was referring me to tell the police to file for additional information online. ( This account specialist wants me to tell the police how to investigate a case? ) I immediately reply with my questions once again. *** I move to social media to prod for a response after two weeks, and also send an additional email on XX/XX/XXXX XXXX - XX/XX/XXXX : The account specialist once again ignores my question about how to secure my account and what information was accessed by the fraud occurring to my account. He finally responds that he denied my claim. The reference ticket for this exasperating chain of email was # XXXX with XXXXXX/XX/XXXX The other reference ticket freezing my account was # XXXX with XXXX XXXX. I have provided attached screenshots from the Venmo app, showing the unauthorized devices. For as long as I have had Venmo, I have lived in North Carolina, and all of the devices I used with it reflect that. There are also a series of 6 screenshots showing the unauthorized transactions individually, as well as 2 screenshots from my feed which shows them mostly consecutively. I have attached a screenshot of the scammer account 's friends, which are basically non-existent. The other scammer has no friends. Both of them have basically zero transactions besides the unauthorized transactions that I can see. These are clearly scammer accounts. | ||||||
| 05/22/2023 | Yes |
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Web | Servicemember |
| I opened some claims in PayPal ( XXXX XXXX XXXX & XXXX XX/XX/XXXX ) against a XXXX seller selling me counterfeit sterling silver. I submitted the documents and other additional evidence to back my claim. I even attached a document from a coin shop to back my claim. The cases ended up closing in the seller 's favor because I voided my purchase protection by doing acid tests on some of the items. I did not know this would void my case. I thought I was doing the right thing by testing SOME of these items to prove my claim. Instead, the seller will get away with scamming their customers. Only XXXX of the XXXX claims I filled were closed in my favor because I did not initially upload the videos of me acid testing the items. I was not required to sent the items back for those closed cases. All of these cases are the exact same. But since I decided to attach more information I thought would help me, I get shut down instead. Now I will never get my thousands of dollars refunded to be because of a XXXX PayPal policy. They ones I did test were not significantly damaged. Some of the items had the plating peeling off. They recommended me to contact my financial institution to do a chargeback, but they do not have a coverage period of 180 like PayPal. I feel so defeated. I have over 100 " sterling silver '' items from this seller and I only tested maybe 20. I also have no problem sending the items back, but the seller was being shady. Here is the formal complaint I put in the PayPal resolution center : " Seller is harassing me about sending the items back. They claimed they will test the items upon receipt and will test the items to verify if it's solid sterling silver. I am not against sending the items back, but I don't trust them anymore. I'm worried they will test the items and lie and say they're solid sterling silver. Then I would lose the money for counterfeit sterling and shipping fee. XXXX of the necklaces I received from them came with a certificate ( in XXXX ), but I tested those and they're also not sterling silver. This shows they ( or their supplier ) can not be trusted. They also showed a screenshot of their sales claiming their silver to be " higher than 92.5 %. '' The address provided was also very vague. I tried to verify the address with them, but they brushed me off and told me to send them back. They were also inconsistent with their solution. First they offered a refund to simply send the items back. They also said they will cover the shipping cost, then changed their mind later. Then, they said they will only refund me when they test the silver. If they tested to be real silver ( which it's not ), then I would not get a refund for the items or the shipping cost. Even after I brought this to their attention back in XXXX, they are still selling " sterling silver XXXX '' on their lives. I highly doubt they get these items tested. I have already tested and verified the items are not sterling silver ( XXXX ). They are not sterling silver at all or are only sterling silver plated. That does not qualify the jewelry to be marked XXXX, and that is fraud. The jewelry store, antique shop, and coin shop also agreed they're not sterling silver. I couldn't test every single piece because there's over 100 items, and they all require destructive testing. I didn't want to damage all of them just in case I have to send them back. One of the rings even fooled an antique shop owner. She did the basic nitric acid scratch test and tested it to be real silver. I took the same ring to the coin shop owner. He scratched the sterling silver plating off and tested it with his nitric acid. The acid turned a bluish green color to indicate it was nickle, not sterling silver. He examined the other jewelry I brought to him, and he agrees it's all counterfeit. I am simply following the advice of paypal representatives, and they're accusing me of wasting their time. They also worried about getting in trouble with PayPal because of the disputes and were willing to refund me to stay quiet. I'm pretty sure they're not the only sellers on XXXX selling counterfeit sterling silver jewelry. The XXXX market is flooded with these items. Buyers on XXXX are even complaining about it. The only reason I found out these items were not genuine sterling silver was because of a local jeweler. He randomly tested one of the rings I was wearing from the seller and found it was counterfeit. This led me to investigate this situation. This entire situation is shady, and I don't trust them anymore. I had a good relationship with these sellers initially, but now I'm disappointed. I also know another former customer of theirs that also had issues with them. They also didn't ship an item I paid for back in XXXX. '' This is some of the information I provided that I though would help my case but were used against me. Video Evidence XXXX : XXXX Conversation Screenshots XXXX : XXXX Photo evidence XXXX : XXXX Proof seller sold items as sterling silver XXXX : XXXX | ||||||
| 10/23/2022 | Yes |
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| I was scammed out of {$800.00} for a dog that I never did receive. Started XXXX XXXX, XXXX, saw an ad dogs for sale. I talked with XXXX XXXX and sent {$400.00} paid through Paypal for down payment.on dog XXXX. I have paperwork of money sent. After sending all the money, ( 2 pmt of {$400.00} ) The next step was the dog will be delivered to me. The information below was the last step of the scam. I never got the dog because they were asking for {$500.00} to get the dog delivered and that was not the agreement. I went to Paypal and to my bank to see if I could stop payment but they would not because they both said because I paid under Family/Friend I could not get the money back. Emails they used were XXXX ( {$400.00} ) XXXX XXXX, XXXX and XXXX. $ XXXX XXXX, XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX Subject : URGENT REQUEST!!! 100 % Refundable Cites/ Import Permit License Needed Welcome to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CALL - ( XXXX ) XXXX TO VISIT OUR WEBSITE CLICK THE LINK BELOW XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The puppy is now in XXXX, North Carolina, United States XXXX and the XXXX XXXX are demanding a CITES/IMPORT PERMIT Document before the puppy can be allowed to move from XXXX, North Carolina, to XXXX XXXX North Carolina XXXX Without the XXXX XXXX document, the puppy can not pass through the XXXX XXXX XXXX XXXX. Instead, the customs agents will impound it. You will have to make a CITES PERMIT document before we can proceed with the movement of the puppy to your house address today. The XXXX, North Carolina XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, in collaboration with XXXX XXXX XXXX XXXX XXXX XXXX, are the initial contractors for this shipment. Hence, we advise you to contact us now. The Cite Permit Document Shall Cost USD XXXX for the XXXX XXXX XXXX Name XXXX, and the money you will deposit for the document shall be 100 % refundable today after you receive the puppy at your home. The delivery has been temporarily put On Hold ; Until you make the payment deposit of USD XXXX so we can establish the CITES XXXX Document, we will not be able to proceed with the puppy 's movement to your house address. If you do not provide the money to establish this document, the puppy shall not be allowed to move from XXXX, North Carolina, to XXXX, North Carolina. Instead, it will be impounded at the XXXX XXXX until the CITES PERMIT document payment is made. This puppy will not be released, and while in the impound loft, you will need to pay XXXX Dollars for every night the puppy spends there. So we advise you to get back to us and make the payment so we can proceed and make the CITES PERMIT document. This is by our rules and policies taken in XXXX since the existence of this company, which states that we can not take the risk to deliver a live animal without their Cites/Imports XXXX XXXX covered. If we do this, your life will be at stake since the ownership documents carry your names ; thus, a case file shall be established against you in court for the charge of ILLEGAL SMUGGLING OF A PET. Therefore, you will have to pay for the Refundable import charges of your puppy before we can proceed with the movement & delivery of the puppy today. You need a license to act as a legal importer. However, some pets require approval or permits from various government agencies to be imported. XXXX, We strive to offer our best services, but we can't go against company policies to please you. As soon as you want to make the payment, please get back to us with CONFIRMATION and DIRECTIONS so that our XXXX and XXXX Department can confirm the price and establish the document for your puppy. Remember this fee is 100 % refundable to you with the other refunds today. As soon as the payment is made, a refund document shall be sent to you to sign as quickly as possible because we are left with no time before driving down to your house today. The Cites will help in the following. XXXX } It will help your puppy to enter your city without being impounded by the XXXX department. XXXX } It will help the XXXX XXXX XXXX to identify you as the legal owner of the puppy. USE THE CASHIER 'S XXXX XXXX ACCOUNT TO MAKE THE 100 % REFUNDABLE DEPOSIT FOR THE CITES/IMPORT PERMIT LICENSE SO THAT WE CAN PROCEED FOR PAYMENT XXXX Pay Email : XXXX Account Name XXXX XXXX XXXX Amount : {$500.00} Reason : Cites Permit License Please take a snapshot of the receipt after the deposit and send it to us for clarification. WE AWAIT YOUR SOONEST REPLY TO CARRY ON WITH THE DELIVERY MINUTES FROM NOW. Considering our Pet Shipping and Delivery Services, we look forward to helping you with the problematic pet shipping and delivery process. We are here to ease your mind and spirit and let your pet 's air travel and delivery be as comfortable as possible ..... . YOUR SATISFACTION IS OUR GREATEST CONCERN. We do everything to make our customers happy. XXXX XXXX XXXXXXXX... THANKS FOR USING OUR AGENCY... ... MANAGEMENT... | ||||||
| 04/27/2019 | Yes |
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| XX/XX/2019 : Paypal limits my account with a balance of {$75000.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, which I immediately provide in full. XX/XX/2019 : Paypal denies one of my documents for Proof of Address and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " The document provided unfortunately is not considered a proof of address. Please send us a valid document that proves you live at the address which is currently registered on your PayPal account. What is a valid proof of address? We accept one of the following : - Notice of assessment, municipal property tax assessment - XXXX Revenue Agency statement ( e.g. requirement to pay, installment notice or benefits statement ) - Financial Statement or Student Record from registered XXXX College or University ( post-secondary institution ) - A statement issued by a recognized government agency - Your most recent document received We do not accept : - Partial Documents. - Bank / Credit card/ loan statement. Please note : The document must show your full name and address as registered on the PayPal account. '' In response to this, I send in my complete notice of tax assessment with my name and address for the latest tax year. I also call Paypal 's phone line asking why my document ( s ) are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the same form reply as XX/XX/XXXX. In response to this, I upload my Student Financial Tax Records as requested, showing my complete name and address. I also email the compliance department around this time at XXXX. As of the date of this complaint ( XX/XX/XXXX ), I have only received an auto-generated response to 2 detailed emails asking for more information about why my documents are being denied despite following their requirements. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the following form reply from the first time. In response to this, I uploaded my most recent personal tax returns as requested, showing my complete name and address. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the following form reply from the first time. In response to this, I uploaded my Student Financial Tax Records once again as requested, showing my complete name and address. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the following form reply from the first time. In response to this, I uploaded my tax returns and notice of assessment for the most recent filing year, as requested, showing my complete name and address. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the following form reply from the first time. I call Paypal 's support line for the 6th time asking what I can do to upload the right document in order to regain access to my account and funds. They tell me that I should try uploading a company document with my company 's name on it, and they're sure that this is what I should be doing. In response to this, I upload a corporate tax return to PayPal, showing my company 's name and address. XX/XX/2019 : Through email, Paypal informs me they can not accept my document as proof of address despite it being one of the exact government documents they request. My account remains locked and I still don't have access to my funds. I am sent the following form reply from the first time. In response to this, I uploaded my phone bill in desperation, which shows my name and address. | ||||||
| 03/23/2018 | Yes |
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| On XX/XX/XXXX Paypal authorized the return of an item that I sold on XXXX AS NON-RETURNABLE! This was after I had proven that the item was shipped undamaged but was being falsely stated by the buyer as broken. On XX/XX/XXXX XXXX agreed that it was undamaged when sent but the buyer complained to Paypal another 45 days later and the money was taken from my Paypal Account, leaving the Paypal account approximately {$70.00} in the negative since it was being sold for someone else and money was being disbursed to them. I wanted Paypal to correctly ACTUALLY LOOK AT THE EVIDENCE which they CLEARLY DID NOT, and to credit the money back to my account as it should have never been taken. It was OK with me for my Paypal account to remain in the negative until they make it right since my financial behavior allows me to bank traditionally. Then on XX/XX/XXXX I awakened to 3 offers to buy my merchandise. Due to the inconsistencies I declined each one with the following statement as the reason Paypal and XXXX have a policy conflict that I've asked them, the Attorney General, the CFPB, and the XXXX to take a look at and resolve. Until this is resolved I can not in good conscience accept your offer. THANKS Then onXX/XX/XXXX one of those buyer PURCHASED ANYWAY. This was to create a positive balance in my Paypal account so that they could take the refund balance from my personal account but this is erroneous since I did NOT give them permission to access my account without a purchase. I was ABSOLUTELY NOT willing to send out additional items unless both XXXX and Paypal follow the NO RETURNS RULE AND LOOK AT THE FACT THAT I SHOWED WITH PICTURES UPLOADED AT THE TIME OF SHIPMENT! So a stop payment was executed on the unauthorized payment being taken from my personal account. I didnt remove ANY MONEY FROM THE PAYPAL ACCOUNT as such PAYPAL NEEDS TO REFUNDS THE SECOND BUYER FROM THE MONEY THAT IT RECEIVED FROM HER AND TO LEAVE MY PAYPAL ACCOUNT IN THE NEGATIVE UNTIL THEY RETURN THE MONEY FROM THE ORIGINAL TRANSACTION WHICH WILL PUT THE PAYPAL ACCOUNT IN THE POSITIVE. I absolutely contacted PAYPAL to have them deduct the money from the PAYPAL account since this is where it actually went. In this scam PAYPAL AND XXXX are performing together and Ive uploaded the declines and highlighted the passage where I told the buyer that I was working on an issue and would NOT be accepting offers. The money is supposed to be returned to the buyer in the way it was paid. It was paid to PAYPAL AND SO IT NEEDS TO BE DEDUCTED FROM PAYPAL. Keep in mind that I cancelled the transaction on XXXX and because they force you to use Paypal they should take the money from Paypal in the FORM OF THE PAYMENT. They are different companies when you show them inconsistencies. But they can use each others system when they are trying to rip you off. They also need to pay me {$35.00} the cost of having to stop the payment WHEN CLEARLY THE MONEY WENT TO PAYPAL AND THATS WHO NEEDS TO GIVE IT BACK. My personal account was NOT involved in this transaction AT ALL, and Ive NOT transferred money from Paypal that would justify them accessing anything but Paypal. Ive attached where I told the buyer about the conflict and you can EASILY SEE THE INSIDE JOB OF THEM PURCHASING ANYWAY TO STEAL MONEY TO PAY FOR PAYPAL BAD DECISION! I sell FINAL AS IS and cant have them allowing people to destroy my merchandise and send it back for fake reasons. I DONT accept returns because Im NOT a store. I sell pre-owned family members stuff so what you see IS what you get. Scammers buy your in very good condition items and then try to swap them out with lies and damaged stuff. Also likely competitors buy your item to try to establish a selling price and then break your item so that it cant be competing against theirs, etc, etc. Why is not my concern at this point but XXXX and Paypal colluding and conspiring to take from the attached bank account when it wasnt used in the transaction AT ALL to fix a negative balance is unacceptable and needs to be addressed by the investigating agency. I do know that you cant be my personal attorney but this is conduct that SURELY AFFECTS THE MASSES and in those regards you represent US, the people. Neither of these complaints are stories that are being reported. They are things that ACTUALLY transpired EXACTLY the way that Ive stated and I have all letters, photos and messages associated with my problems to prove it. Making more sales is not the way to correct the problem. XXXX and Paypal actually looking at the facts that my item was shipped AS SHOWN AND STATED and respecting the SOLD AS IS POLICY as is posted is what needs to happen. In addition to the taking the payment from how it was received and creating sales from account to trick money into Paypal MUST BE STOPPED! A complaint HAS already been filed about the initial problem, but to create fake sales for the distinct purpose of accessing my personal account is unethical, if not illegal. | ||||||
| 04/19/2021 | Yes |
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Web | Servicemember |
| XX/XX/2021 XXXX XXXX. Called Pay Pal after noting email stating I had an unresolved charge of {$250.00} related to a dispute filed that had been resolved. See below : Hello, Our records indicate that you received a duplicate credit for the following transaction. Because you'll be getting money back from the financial institution, we've removed the crypto or the equivalent proceeds from your sale of the crypto from your balance. Dispute Case Transaction Amount : {$250.00} USD Dispute Amount : {$250.00} USD Transaction ID : Transaction Date : 2021 Crypto Removed : To add money, simply log into your PayPal account and click Add Money on your Account Overview page. 2. Logged into Pay pal and saw an outstanding balance for {$200.00}. 3. Called Pay pal to inquire about the charge and the discrepancy. 4. Explained the situation briefly ( and calmly ) to each representatives, after being transferred SIX times. I was on the phone a total of three hours trying to find out what had happened, since I knew - and had documentation - that the first dispute was resolved, with both pay pal and my bank. I had no record of a duplicate transaction with my bank, nor could I find any in the following actions. 5. Was told that the {$200.00} charge was a Charge back made XX/XX/XXXX on what XXXX, the Supervisor I was speaking to at this point, stated it was a recurring " Pay 4 ''. Meaning you make four monthly installments, as she explained. I stated I did not make this purchase. She said it came from my bank, and was charged on a card that had been deactivated about two months ago. Upon viewing the charge myself, it actually posted theXXXX. She went on to say that the problem was with my bank, and that I needed to contact them. She offered to look into it further " electronically '', and asked to put me on hold. I waited on hold for over 15 minutes, when the call was disconnected. 6. Called the bank, even though I had viewed my account during this exchange and found no charge as noted above on my bank records - past or current. Spoke at length with bank representative. She went back three months, and could not find the activity on my bank account. I also looked at my statements and could find no charges. Also went on to confirm that the dispute I had gotten the original email about regarding the {$250.00} was closed, and that no other money had been received from Pay Pal. 7. Attempted to call Pay Pal back. Was automatically routed to the Collections Division. I asked for the fraud division, when he refused, and told me I had to pay the fee ( Never mind this charge was only 3 days old and it was sent to collections! ) the representative accused me of saying that I refused to pay. I replied, " I didn't refuse to pay, I wanted to dispute it ''. I explained the situation above briefly, and told the representative I wanted to file a claim regarding owing the {$200.00}. He said he would transfer me. When he did, the call went back to him. He had a distinctive XXXX accent - please note he used a different name the next time I called. He told me I should just pay the {$200.00}, or my account would be reported by their collections department and would " reflect negatively '' on my finances. I said, don't you know that once it is a case that is put on hold it doesn't affect your credit while the case is open? He stated " Didn't you read the disclaimer? '' I hung up, very upset at this point. My credit is in the Excellent range - this was a great threat to my overall mental health and overall well-being. I have spent decades paying my bills on time and not being careless with my finances. 7. Attempted to call again. Collections answered, again - I also got the same representative with the XXXX accent, using a different name - again. I asked him if I could file open a fraud case against the charge he said my only option was to dispute it. He then attempted to talk me into paying the {$200.00} - again making threats by inferring it would reflect negatively on my credit. I just hung up, frustrated, worried and sorry I even dealt with this company in the first place. 8. After considering this matter for some time, I decided to pay the {$200.00}, just to be free of any issues with my credit and to prevent any more mental and emotional distress over the way I was treated - in lieu of trying to pursue any accountability with them. I also didn't want to waste more time as I had spent over half the day in an effort to straighten this issue out. 9. I have removed all my banking and credit references from the site. I unfortunately have to wait to cash in the little crypto I made, due to their site having connecting problems with 3 different financial institutions, at the present time. As soon as whatever technical problems their site is having now are resolved, I will remove my remaining crypto currency and immediately close my account. And finally, as an understatement, I'm leaving a less than stellar review. | ||||||
| 02/11/2022 | Yes |
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| On XX/XX/XXXX, at approximately XXXX. EST, I received several alerts from XXXX ( a company of PayPal ) suggesting that I had submitted a money transfer. Since I have never used XXXX nor ever submitted any money transfer I immediately reported to XXXX via XXXX that the following transactions were fraudulent and not authorized by me. Those transactions were as follows : 1. Transaction ID : XXXX, Amount : {$130.00} 2. Transaction ID : XXXX ; Amount {$130.00} 3. Transaction ID : XXXX ; Amount {$170.00} Since I reported this as fraudulent at XXXX XXXX XXXX immediately I did not believe that any money would be withdrawn from my account. By XXXXXXXX XXXX I discovered that those charges were withdrawn from my bank account. I immediately notified my bank of the fraudulent activity and they processed a stop payment. Thereafter, I received several emails from XXXX reflecting that I " owed '' a debt. I notified them on XX/XX/XXXX, that those transactions were fraudulent, but continued to received payment requests between XX/XX/XXXX through XX/XX/XXXX. I received notice on XX/XX/XXXX or XXXX that they denied my claim based upon " account history '' however, I requested evidence of this account history ( since I never opened a XXXX account ) and XXXX responded on XX/XX/XXXX, that XXXX could not provide details of the fraudulent transactions without a law enforcement agency. Please note, the original denial by XXXX occurred without anyone ever responding via email or phone call to discuss the facts. Approximately two weeks later, it was discovered that our home computer system had been hacked since the same hacker used my credit card to make payments on some account. It should be noted that because these transactions were from PayPal, they ultimately resolved these fraudulent claims in my favor because they recognized that the reason that the " history '' appeared to be legitimate was because the hacker broke into my computer system and it appeared as if the individual were in my home THEY WERE NOT. Therefore, I filed an identify theft report on XX/XX/XXXX, with the government and I also filed a complaint with the Better Business Bureau. Once I filed my complaint with the XXXX, the company sent responses wherein they continued to deny that the transactions were authorized and notified me that I could contact their executive offices. I did that on XX/XX/XXXX, to an individual named XXXX, wherein I provided a detailed response and evidence showing that my account had been hacked, but received no response from this. On XX/XX/XXXX, I received a response from XXXX through XXXX yet again was denying my claim since they believed it to be accurate. On XX/XX/XXXX, I provided a response via XXXX to XXXX and directly to the executives offices to an individual named XXXX yet again explaining that the authorized transactions appeared legitimate due to a hack and not because I authorized same. I also provided evidence regarding same. On XX/XX/XXXX, I also sent a follow-up identity theft report to the XXXX offices and still received no reply. On XX/XX/XXXX, I received yet another response from XXXX via XXXX saying they denied my claim after doing extensive research, but yet again they have never once either emailed or called me to discuss this matter, or explained how the evidence I provided does not support that the transactions were authorized by me. I also responded via XXXX expressing my dissatisfaction with the response. I did not authorize these transactions since the evidence I've provided proves that a hacker gained access to my computer/home network and used the IP address that XXXX claims is " proof '' that I authorized these transactions, when in fact that is not true. I am filing this claim since the identity theft website indicated that this was an appropriate next step and since this company is contending that this debt is valid and that they will notify collections since they believe same to be a valid debt. This is NOT a valid debt. If you research this company you will see that these type of fraudulent transactions happen frequently and they quickly " deny '' the claims leaving the consumer responsible for their inept actions. Had XXXX simply not allowed the transactions not to go through when I originally notified them of this fraud, no money would have exchanged hands and this would not be a problem. However, they failed to do so. I will fight these charges through every legal means possible since I will not be held responsible for something I did not do primarily because if I do not then the individual that hacked my computer and then ultimately my PayPal account ( since I never had XXXX ) would be able to get away with this dangerous behavior. XXXX denying my claims is resulting in the perpetuation of fraud and they too must be stopped. I am attaching several documents which have been provided to XXXX via XXXX and directly to their executive offices for consideration. | ||||||
| 12/18/2020 | Yes |
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| During the XXXX XXXX Friday ( XX/XX/XXXX ) sales, XXXX had a sale for Pro memberships at a discounted price. The website had two options for payment : entering card information into the website itself, or using the Paypal service to complete the transaction. Shortly after adding my Visa Credit Card ending in XXXX, that card was set up as the preferred payment type. The card had the full credit available to cover the {$110.00} USD that was to be charged to that Credit Card. I had assumed that the transaction had processed correctly since I had access to the Pro benefits on the XXXX website, and PayPal had not given me any notice of error charging my Credit Card. I checked my email the following morning, and that is when I noticed the charge had been forced on my Checking account ending in XXXX as an ACH draft, rather than the Credit Card that I had as preferred payment method. I checked the PayPal website, and Transaction ID XXXX showed the Checking account as used for the transaction, yet if I am to visit my Account AutoPay at XXXX : XXXX ( with the last part XXXX being the PayPal Billing ID ), the payment method shows my saved Visa Credit Card ending in XXXX. On XX/XX/XXXX, I contacted Codecademy Support to have this issue rectified. I provided an attachment showing the charge and the AutoPay screen for their transaction, but they told me to contact PayPal directly on XXXX XXXX. I opened Dispute Case ID XXXX on XX/XX/XXXX, with the transaction attachment as well as a PDF copy of my conversation with XXXX. On XX/XX/XXXX, I received an email that PayPal had denied my case. There is no electronic way to see a copy of the documentation we used in the investigation of your case. Because PayPal Messages DO NOT have full date-and-time stamp information that the customer can see on the PayPal website or Mobile Application and there is NO acknowledgement notification that PayPal received the message, and based on time email notification was received and time XXXX XXXX, the first PayPal representative that replied to my message, responded to my message, I finally started a conversation about my issue on or about XX/XX/XXXX via PayPals Message Center. They deny all wrongdoing on their part. Instead, they first deflected the blame to XXXX as [ I ] t might have been the merchants preference when they set up their website. You can contact them to check this out and confirm this. When I provided an attachment with the email reply received on XXXX XXXX, a different PayPal agent by the displayed name of XXXX replied, [ f ] rom reviewing your account and weve reviewed the details of your case, and based on the information we have to date, we have denied your case. This decision was made because our records show that this transaction was processed correctly. This was after XXXX XXXX had agreed that the account was set up correctly however the charge was made to your bank account. I asked to have my issue escalated, and a third PayPal agent with display name of XXXX XXXX denied wrongdoing by PayPal, suggesting that if you feel that this isnt fair for you, I highly recommend that you contact your bank and continue this case directly with them. She also indicated steps to change preferred payment method, and steps to update payment methods for billing agreements ( once again, I had already provided evidence that the transaction should have been processed as I requested and that the Visa Credit Card ending in XXXX was already set up that way for the charges from that merchant ). After asking for my situation to be escalated again, PayPal closed my message chain without notification that communications had been closed on or after XXXX XXXX ( since my last email notification that a message was waiting in the Message Center was XX/XX/XXXX at XXXX XXXX, and my second request for escalation has a time-only stamp of XXXX XXXX ). Thats where the situation stands as of XX/XX/XXXX. I feel deceived and harmed by PayPals decision to : ( a ) fail to provide notice that an error had occurred, if any, during my transaction that would have otherwise allowed me to make a sound financial decision on how to proceed with my transaction ; ( b ) create an ACH draft and collect from an account not assigned for the transaction by assuming authorization from the consumer without explicit consent from the account owner ; ( c ) fail to provide an efficient and accessible method of receiving dispute documents when their only option for disputing transactions on their website is electronic-based ; ( d ) providing a slow, confusing, and unhelpful messaging system as the only method of communication with a representative in order to receive direct feedback on an issue and not providing notification that PayPal had chosen to cease communication with a customer ; and ( e ) ignore evidence provided of PayPal error, dismissing any fault or error, and failing to provide means of communication to a supervisor or escalation method. | ||||||
| 03/20/2021 | Yes |
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| On XX/XX/2020, I was scammed by a fraudulent website. This website was intended to look like the official XXXX XXXX website, and had a Cyber Monday special on the XXXX. Someone had sent me the link, knowing I had been trying to purchase a XXXX. I'm usually really good about catching scams like this, but because of how quickly the XXXX sell out, and it being Cyber Monday, no red flags went off, and I used one click checkout with my PayPal account, paying with my XXXX XXXX credit card. I immediately realized it was a scam, because the website changed and was now showing up as " XXXX XXXX XXXX '' and was a merchant from XXXX. I never received an invoice or order confirmation from the site. They didn't even ask for my email. I tried emailing the addresses provided on their contact page, but neither worked. Then the website was gone. I went to Paypal 's website and it was already too late to cancel the payment. Furthermore, I could not open a claim on Paypal 's website until I received the item. So I contacted XXXX XXXX and informed them of what happened. The gentleman refunded my account and opened an investigation. This started a long back and forth process with XXXX XXXX. I sent them some information, and apparently it was not enough, so they denied my claim. I then had it reopened and provided more information, every thing I had. By this point I had received an item in the mail from the company I ordered from. It was a small envelope containing a pair of shoe laces. I have attached images of this envelope and its contents with this report. So I included that with some of the other documents they requested, hoping this would be the smoking gun. It wasn't, and they ruled against me. I called XXXX XXXX, and they informed me that what they really needed was an invoice or order confirmation, or the website where it was purchased. Something showing that I ordered a XXXX. The problem is, these scam sites know what the credit companies and Paypal require, and they have figured out clever ways to skirt around them. They don't send invoices, or order confirmations. So all that I could think of, was maybe there was something on Paypal. So I went back to check the invoice, but was unable to view it. Since XXXX XXXX opened a fraud claim, I did not have access to view the invoice through PayPal. The only thing I could possibly send to XXXX XXXX to prove my case. I tried to submit an update to the claim on PayPal. I sent them the same information I sent XXXX XXXX. They still haven't responded. So, finally Paypal updated the claim on their end as resolved, and I was finally able to access my invoice, which clearly states that I ordered a XXXX XXXX for {$230.00}. In the Paypal claim where they reached out to the merchant, XXXX XXXX XXXX, they provided a tracking number for the product. The tracking number given to Paypal matches the tracking number on the envelope I received, which contains a pair of shoe laces. The description on the envelope says shoelace, and the value says {$10.00}. I think this is finally what I need to get this resolved, so I called XXXX XXXX on XX/XX/XXXX, and they informed me that, even though I now had the required information ( which I did not have access to before because of Paypal ), they could no longer reopen my case because it was past the allotted time to reopen. I now could only take it up with Paypal. Paypal was no help at all. I called them on XX/XX/XXXX and they told me that since the investigation went through my credit card, Paypal could not do anything about it. To recap, Paypal allows this fraudulent merchant to dot business through their platform, then hides crucial information for the investigation, causing me to lose my case against them with my credit card, then refuses to look into the matter themselves. Take a second and google " XXXX XXXX XXXX Paypal Scam. '' Pages and pages and pages come up with people having the same problem with the same merchant, and many of them have gone unresolved. Paypal is aware that this is a scam site, and they continue to allow it. We are in the middle of a global pandemic, where millions are out of work and money is already tight, and these scammers are taking advantage of people, and Paypal is allowing it to happen through their platform. I have extremely clear, irrefutable evidence that I was scammed, and I can't get either of the two financial institutions involved to help me find a resolution. This has happened to many, many, people, as a quick search shows. These sites put highly sought after products up for sale, things that sell quickly so you let your guard down. Then, because they are in XXXX, the delivery takes so long that it makes it way more difficult to file a claim. Even though I knew two seconds after confirming the order that it was a scam, Paypal still requires you to wait months to receive it, since the merchant provided a tracking number. Please help me find a resolution with this. | ||||||
| 07/23/2023 | Yes |
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| I attempted to by a " XXXX XXXX XXXX. '' I made a {$890.00} transaction XX/XX/XXXX. I bought the computer from ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX I made the purchase through Paypal. PayPal normally assists with small transactions. However, if the transaction is large or a serious concern, the people within the organization become incoherent and incompetent. I've set the payment organization Paypal under investigation once before. The day my computer arrived my XXXX was dismounted from the motherboard. The fans didn't activate and I couldn't see any projection from the computer to the monitor. I contacted XXXX XXXX XXXX XXXX for instructions. They offered, reset the XXXX to the motherboard and make sure all RAM is set as well. Once the computer powered on, I went through DEVICE MANAGER to update all my drivers. Then, I downloaded my important software. I tried to utilize my XXXX XXXX and XXXX XXXX When I start XXXX and XXXX XXXX XXXX XXXX programs, I receive a prompt that says my XXXX is not compatible. XXXX and XXXX XXXX say that the XXXX is a ( XXXX ) " XXXX feature level XXXX available. Feature level XXXX required. '' My report started immediately upon receipt of the computer. For months, I communicated directly with all : * XXXX XXXX XXXX XXXX XXXX XXXX Within the last 2 weeks, XXXX ( the company that is utilized to update the driver of the Graphic Cards. ) I have evidence of violations and many email and instant message communications! XXXX says that the XXXX XXXX ( XXXX ) is not compatible. It needs an updated graphics card driver. The XXXX XXXX is a XXXX XXXX XXXX. XXXX said that they ( XXXX ) don't support the XXXX XXXX. XXXX also says they stopped supporting the XXXX XXXX in XXXX, 2023 ( *XXXX XXXX XXXX XXXX FALSE ADVERTISING ) However, in attempt to Defraud ; XXXX XXXX XXXX XXXX utilizes a cover. There is a technicality regarding the non-supported driver. The technicality is the difference in the model XXXX. There is an authoritative XXXX XXXX vs XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, there is still a functional RTX XXXX XXXX XXXX and driver support. During the initial problem to retrieve a new XXXX, I requested {$500.00}. This was to replace the XXXX. Through Paypal, I tried to return the XXXX XXXX XXXX and asked for XXXX that is compatible with the XXXX system. Upon return of the non-working XXXX XXXX XXXX, XXXX XXXX XXXX XXXX sent different XXXX, same model. After 2 months, and being in direct contact with XXXX XXXX XXXX XXXX; through Paypal, XXXX XXXX XXXX XXXX was able to get a driver update link. The driver update doesn't enable the XXXX XXXX XXXX feature. The issue is that XXXX is unable to utilize the XXXX XXXX XXXX XXXX feature XXXX the my XXXX XXXX XXXX. Although, I reported to both XXXX XXXX XXXX XXXX and Paypal about the situation. Paypal has been provoking enough to cause me rageful outbursts. I believe that the offer of {$500.00} back is enough for admittance. Moreover, I think Paypal is trying to cause me to go to court about the situation. If Paypal is in the way, collecting as a 3rd party, I don't think court is necessary. And, if it is, Paypal is no longer necessary. I've contacted both XXXX XXXX XXXX XXXX and Paypal about the issue, several times. As a 3rd party who makes substantial funds through these transactions, I've submitted all required evidence to show False Advertising and Fraud. By lawXXXX XXXX XXXX XXXX XXXX is punishable by a large fine and by existance Paypal is to uphold those laws and by policy remove the violating entity from ability to commit offence. Through my complaints, one of the representatives suggested, I would have my funds and they would be removed. After months, I found the answer from XXXX and XXXX. Not only has XXXX stopped supporting this particular XXXX and it's not compatible with XXXX XXXX Pro driver XXXX XXXX XXXXXXXX ; but, the XXXX utilizes a XXXX RAM while the XXXX XXXX is utilizing XXXX XXXX cards. NOTICE HERE : XXXX XXXX XXXX XXXX only supports its " Certified Refurbished '' model for 3 months. They offer only a 3 month Warranty. After finding out XXXX XXXX XXXX XXXX was False Advertising that there computers were not Certified Refurbished, I requested a full refund. {$890.00} with a punishment of no computer return. Paypal then retrieved {$500.00} instead of the full refund. Although I asked Paypal several times not to close my case, they kept mocking me by closing the case. Paypal told me they would submit the report and if I could offer them proof, XXXX XXXX XXXX XXXX would no longer be able to utilize the Paypal system. Then, Paypal mocked me over and over by closing my case. I've had to be extremely threating and rageful for them to reopen the case, even after firm proof of violation. Paypal is aiding and assisting payments of XXXX XXXX XXXX XXXX while XXXX XXXX XXXX XXXX is violating innocent customers. | ||||||
| 02/27/2021 | Yes |
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| My Paypal account ( as well as my fiance 's ( same address ) ) was banned as a result of a dispute related to a funds loading issue in-store at XXXX XXXX that took place on XX/XX/XXXX and XX/XX/XXXX. We used the " in-store barcode load '' function offered by PayPal to load money into PayPal at the cash register at XXXX XXXX in XXXX, MA. However, on both days listed above, two {$500.00} loads failed to process for two of the PayPal accounts. This resulted in a shortage of {$2000.00} total ( {$1000.00} in one account, and {$1000.00} in the other ), since even though the money was never deposited into 2 of the 5 PayPal accounts each day ( the fifth account belonged to my brother, and my fiance and I had two each -- a business and a personal, within the PayPal terms and conditions ), the charges to my credit cards still posted from XXXX XXXX. Since this is a third-party service through XXXX XXXX, but used by PayPal and transacted by XXXX XXXX, I initially tried to resolve this with XXXX XXXX, but they did not have any cash overrage at the register and could not trace the missing funds and stated the transaction posted successfully on their end. This took place in-store on XX/XX/XXXX with a conversation with the front-end manager, who said they would still look into it with their corporate team but never had a follow-up from them at this stage. That physical store location is permanently closed now. Then, I tried to resolve the issue with PayPal, by contacting them via their Message Center ( since I was unsuccessful at getting ahold of anyone via phone ). This conversation took place in the first week of XX/XX/XXXX ( see transcript attached ), but also provided no results because I was told to contact the store again. I believe this is when my account was initially and erroneously flagged for " fraudulent activity '' or " risk ''. I then tried to call XXXX XXXX, the third-party processor for this type of transaction, but could not get ahold of a representative over the phone or via any other means, who handles this type of issue. I attempted an email discussion with XXXX XXXX on XX/XX/XXXX, but it provided no results since they were " unable to research the claim ''. I was out of the country in XXXX from the last week of XXXX until XX/XX/XXXX. Upon checking my PayPal account status, after inquiring about the issue of the missing funds to XXXX XXXX, XXXX XXXX and PayPal, I received a notification on all 5 accounts that were loaded with funds at the register at XXXX XXXX, stating that we could no longer use those PayPal accounts -- they had been permanently limited. There was no fraudulent use associated with the accounts, and the accounts were abided by the Terms and Conditions and monthly loading limits ( {$5000.00} for each account ). PayPal closed all 5 accounts on XX/XX/XXXX. One of the 5 closure emails sent on this date is attached. I have no doubt this was related to the missing funds inquiry and my persistence to trace back the missing money. As a last resort, with many weeks having gone by since the missing funds, I submitted a chargeback to my credit card on XX/XX/XXXX. The chargeback was declined by XXXX on XX/XX/XXXX ( see attached ) because XXXX XXXX initially ruled the purchase as " gift cards '' that were " non-refundable '', and stated they were " activated successfully '' despite the evidence that they did not post to the PayPal accounts. I called the Accounts Receivable department at XXXX XXXX, and worked with an employee on their corporate team and forwarded her the dispute documentation on XX/XX/XXXX. After further research on her end, she concluded that I was in fact entitled to the refund of the missing PayPal funds. Office Depot agreed to refund my credit card {$2000.00} on XX/XX/XXXX ( see attached credit card statement ). In the meantime, with the previous 5 accounts disabled by PayPal, I was using 4 new accounts since I had thought Paypal only disabled the previous accounts due to what they erroneously assumed was fraudulent activity on those accounts. Immediately following the refund from XXXX XXXX, PayPal decided to close all 4 of those accounts, likely as retaliation because XXXX XXXX was trying to collect the missing funds from PayPal which they had paid out to me for the refund, on XX/XX/XXXX. Both rounds of account closure were not only unwarranted but unfair. Not only was I missing a large amount of money ( {$2000.00} ), but PayPal decided this was " fraudulent '' on my part. Additionally, when PayPal decided to close my accounts, two accounts had funds still in them. I have tried numerous times to withdraw the funds, which are valid and my own and not a result of fraudulent behavior, and PayPal refuses citing that they will not refund them for 180 days and only if they find they aren't " owed '' the money in damages. Here are the sums withheld in the missing accounts : Account 1 : {$500.00} Account 2 : {$3000.00} | ||||||
| 09/01/2023 | Yes |
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Web | Older American |
| My phone number was ported to another phone XX/XX/2023. I learned that a hacker had changed the passwords on my online banking account and my email on XX/XX/2023. I was able to get back into my hacked email on XX/XX/2023 and found receipts for purchases on my XXXX account. I immediately called XXXX to report it. There were charges on XX/XX/XXXX for {$64.00}, and {$220.00}, and XXXX, and later on I found charges on XX/XX/XXXX for {$2.00}, {$170.00}, ( a money transfer the perpetrator sent from my checking account to my hacked XXXX account for {$100.00} ). On XXXX XXXX there was a charge for {$110.00}, and on XXXX XXXX the perpetrator sent {$400.00} from an account my wife had ( XXXX XXXX XXXX opened over XXXX years earlier and never used. The perpetrator also opened a XXXX Debit card and charged {$230.00} to XXXX, {$74.00} to XXXX, and {$19.00} and {$9.00} to XXXX XXXX XXXX XXXX XXXX. Although I have called many times on many days, XXXX refused to take my new phone and new email -- and continued send messages to the hacked email. They have refused to return the {$100.00} sent from my checking account when the perpetrator had control over the weekend, and refused to send me the {$170.00} taken out of my account via XXXX. They say they returned the {$400.00} to my wife 's account, but try to charge my account {$25.00} ( like an insufficient funds fee -- because the perpetrator had tried to move {$400.00} from my wife 's account to my hacked account ). The refused to return {$270.00}, demand {$25.00} for actions not taken by me, and wrongfully claimed an action they labeled XXXX ( email from XXXX to hacked email dated XX/XX/2023 XXXX PM ) for {$57.00} had been initiated by my " ... financial institution or a credit card company '' Transaction ID XXXX could not be investigated or decided " ... because we don't have access to your financial institution 's investigation details. '' When I contacted my financial institution they said they never had contacted XXXX. I do remember a charge made to my XXXX XXXX account around the time of all these transactions made which was simply labeled " XXXX ''. What other information would XXXX need to do their investigation? Why will they not deal with the person who was hacked instead of sending everything to the hacked email which can be viewed by the hacker? Why did XXXX send an emails to my old, hacked account ( surfwill @ XXXX ) saying things like " If we don't receive a response from you before XX/XX/2023, this case will be closed and decided in your buyer 's favor '' ( email from XXXX XX/XX/2023 XXXX PM ) and " We've completed our review of your unauthorized ativity case and we've determined there was no unauthorized use. The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' ( from XXXX, sent XX/XX/2023 at XXXX PM re : case update XXXX XXXX XXXX There have been other emails stating that they determined the purchase was valid " based upon your buying history ''. There were XXXX purchases made between XX/XX/XXXX and XXXX XXXX and at least XXXX were for car parts. The last time I legitimately used XXXX was in XXXX to make a {$10.00} political donation. I have rarely used XXXX and never for car parts, and my wife never has. The only spending record they could have based it upon was the record of the perpetrator which I reported first to XXXX on XX/XX/2023 and made repeated efforts on many occasions since. I have sent at least XXXX letters to XXXX requesting them to admit these were not my expenditures and to clear up negative reporting on my credit history. They did return a {$110.00} expenditure made to XXXX XXXX and a {$2.00} expenditure made XX/XX/2023. The {$100.00} which the perpetrator sent to my hacked XXXX account and used should be returned, the {$170.00} taken from my checking account via XXXX should be returned, and the {$25.00} charge for the perpetrator attempting to receive {$400.00} from my wife 's account which he had also hacked, should be nullified. I have had nothing in writing from XXXX stating that I owe nothing on any of the other charges made, that they have not notified the credit reporting companies of the fraudulent enquiries resulting in a XXXX debit card ( which arrived at my home long after he made at least XXXX purchases with it ), and have had to wait on hold twice for over XXXX minutes just yesterday -- only to be told I would have to be transferred yet again to another department. XXXX has continuously used the old, hacked email for communication. It is only because I was able to get back in to the hacked account that I have found over XXXX communications that I presume were meant for their customer, which should have been me. It appears to me that XXXX intends to hold me XXXX. My credit report has fallen from over XXXX to XXXX, because my credit usage went from XXXX to XXXX The enquiry for the XXXX XXXX XXXX is still there. Please help. | ||||||
| 10/13/2018 | Yes |
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| NOTICE OF FRUAD AND IDENTITY THEFT CAUSED BY PAYPAL AND THEFT OF FUNDS i, XXXX XXXX XXXX have been mistakenly charged for several charges thru paypal and then paypal also charged my bank. The amount is {$2400.00} whereas i purchased items from XXXX XXXX XXXX and they paypal charged my twice. The issue is with Paypal in XXXX they told me a employee by the name of XXXX XXXX which is strange for an person in XXXX to have an XXXX American Name stated that he had access to my social security number and could use it as he wished. I XXXX XXXX XXXX then contacted the paypal located in California and they have not responded. They are now claiming that i owe them {$1000.00} or more. I was gifted for XXXX {$7000.00} on XX/XX/2018 approximately by a friend and thus was taken out of my account and blocked me from using my funds until XX/XX/2018. They said the funds where not in my account yet. They Paypal said my government the Federal Reserves had not released the funds to my account. This was coming from a private persons XXXX account not a federal reserves account whereas they are not my government. The debt is being disputed and must be proven within the next 30 days. Verified and validated. Paypals response was ; Dear XXXX, Thank you for contacting PayPal. Weve looked but are having trouble locating the specific transaction tied to your message. Can you help us out so we can provide a fast answer to your question? We look forward to helping you. In most cases, any or all of the following information will help us identify the payment : Transaction date and amount Transaction ID number email address of the other party in the transaction XXXX auction ID ( if applicable ) We understand delays are not enjoyable and appreciate your patience. Thanks for sending us this additional information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX Protection Services Department PayPal Copyright 1999-2018 PayPal. All rights reserved. From : XXXX Sent : Friday, XXXX # #, # # # # # : # # : # # XXXX ( - # # : # # ) Subject : Fw : complaint for account liveav # # XXXX XXXX XXXX XXXX Second Notice! Sent from XXXX, XXXX-based encrypted email. Sent with XXXX Secure Email. Original Message On Thursday, XXXX # #, # # # # # : # # XXXX, XXXX XXXX wrote : This is a notice and a demand letting you know legal action will be taken if this is not resolved within # # hours. I am not sure if this is or was a joke of some kind with in line with some XXXX order but this is a serious matter. XXXX XXXX XXXX # # # # # # # # # # FACTS WITH EVIDENCE : a. ] this may cause several hits to my credit report all three XXXX XXXX and XXXX alleging that i owe a debt i do not and i never gave them consent to charge my bank account XXXX XXXX XXXX twice. b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature d. ] {$2400.00} this amount was taken out of my paypal account and my private bank account by Paypal and XXXX XXXX stated that they had every right to my funds. e. ] XXXX XXXX XXXX refunded only XXXX portion of the XXXX {$240000.00} whereas i allowed Paypal to refund the remaining amount of the {$2400.00}. Now they are blocking my account from paying out to others claiming falsely i owe them {$1000.00}. Whereas this is in reverse they owe me {$3400.00}. When ever i call i get someone in XXXX or XXXX whom do not know our laws nor proper english to translate or communicate for such is a language barrier. When i asked for a transfer to the USA they transferred me back and forth to XXXX and XXXX claiming that they can not transfer me to the USA and speak to someone in the States. Damages ; Threats to damage credit report Took {$3400.00} out of my account and lied claiming i owe them {$1000.00} legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers XXXX year they would owe me XXXX years in the amount of {$1200.00} for XXXX. Background Information CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX System for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018. | ||||||
| 07/19/2023 | Yes |
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| I have owned and maintained a personal PayPal account and linked PayPal-issued debit card through which I conducted legal personal business and part-time freelance transactions for several years. Without warning, on XX/XX/23, I received an email from PayPal stating the following : You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. I immediately contacted PayPal support via their phone option and talked with a customer service representative who stated that there was no further information that they could give me about the issue but that my account was under review and I would receive further information after 72 hours. I also requested to be transferred to a manager, who agreed to escalate my case and send it to the back office for swifter review, with the hopes that I would receive a reply within 24-48 hours. Both the representative and manager reiterated that there was no further action that I could take and no one additional to speak to, and that furthermore I would be unable to access any of my funds because my entire account with all of the money was locked until the review was complete. The manager was especially apologetic, informing me that there was no suspicious or illegal activity or obvious violations that he could see on my account and that he was unsure of why PayPals algorithm had locked my account but that I would be sure to receive an answer through email after the back office was conducting their review. In the meantime, I reviewed the PayPal legal documents online and could not find any clear reason that would flag my account as suspicious, illegal, or in violation. The following day, XX/XX/23, I called again to follow up on the case and was informed by a customer service representative that there was no update on the case and no way to further escalate the situation. They did agree to transfer me to a manager to verify the information. Upon speaking to the manager, he informed me that everything that I had heard from the other PayPal representatives was incorrect and that my account was not under review, I would not be receiving any type of email or information regarding the situation, there was nothing further I could do, and there was no one further that I could talk to. I asked about the legalities of PayPal being able to freeze my account and hold onto my hard-earned money without being willing to provide me with a reason and also refusing to discuss the situation with me, and he furthermore stated that PayPal had every right to do so under the user agreement and was not obligated to tell me anything about their decision. When I pressed again about the reason for locking my account and holding my funds, and that I was willing to provide any personal documentation or other information as needed, he stated that he was not authorized to provide those details to me and that there was no one else that I could talk to who would be able to provide that information to me. My head was spinning at that point, so I said that I would call back again to discuss the situation and the manager stated that there would be no reason for me to call or contact PayPal about the situation any more because the decision was final. So I asked what would happen at the end of the 180 days, if my funds would be returned to me or if PayPal would steal everything from my account without providing me with a reason and without being willing to explain anything to me. The manager stated that if PayPal took my funds it would not be considered stealing because it would be within their legal right to do so. I had nothing further to say or ask at that point, finding him completely unwilling to negotiate or assist me, so I ended the call. | ||||||
| 05/12/2021 | Yes |
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Web | Servicemember |
| I registered with PayPal for a personal account approximately 3 years ago. I have used this account for making purchases and selling products. I have sold only one product, ( Air purifier ), I believe only three times over the past two years. I started a home XXXX about three years ago and I was in the process of building it up when COVID-19 hit which made it very hard to do business. I recently started working my business again and sold one product, ( air purifier ), one time. Then, for no reason, on XXXX XX/XX/2021, I received the following email from PayPal : You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo, and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. We regret any inconvenience this XXXX cause. After receiving this message, I immediately called PayPal customer service to ask why this is occurring and what is the supposed violation of PayPal 's Acceptable Use Policy. They said they don't have that information and I needed to send an email to XXXX. On XXXX XX/XX/2021 I sent the following message : Sir/Ma'am, I need your help. I received a message stating, " You can no longer do business with PayPal '' and then I called your CS. All they could tell me is that I am being accused of selling something in violation of your policy. The only item I have ever sold via PayPal is an Air Purifier. I reviewed the PayPal policy concerning this matter, and Air Purifiers are not mentioned as prohibited products. For this reason, I am confused. Very respectfully, can someone please explain the details of that violation? I looked at everything on my invoices and I don't at all see what is in violation. There must be some kind of mistake or misunderstanding. Everything on any of my invoices that XXXX be in question can absolutely be backed up, proven, and supported with legal documentation. Ref ID - XXXX Respectfully, As of XXXX XX/XX/2021, I have received no response of any kind concerning this matter. I called PayPal customer service again for status and this time they are telling me I am permanently no longer able to do business with PayPal, period. They will not give me any information that supports, backs up, or validates any form of a violation whatsoever. They are accusing me of violating PayPal 's Acceptable Use Policy. but they are refusing to provide me with any proof or evidence of any kind nor are they even telling me the nature of the violation. So, I went through their policy with a fine-tooth comb, and then I looked at all my transactions in my PayPal account, also with a fine-tooth comb, and could not find anything that comes even close to a violation. I have a very long honest and trustworthy record of service for over XXXX years in the XXXX XXXX and as a XXXX XXXX XXXX. Accusing someone of wrongdoing without providing the full reason, nor any proof or evidence of the alleged violation is unacceptable. At the same time, I am not able to do sales transactions because my business and advertising strategies are set up using PayPal for certain business transactions. I am sure there must be some kind of mistake or misunderstanding, or there is something very shady going on. Either way, if they refuse to tell me what the violation is nor provide any type of evidence nor proof of the violation, this in itself is a violation of being innocent until proven guilty. Please ask them to provide the violation and the supporting evidence. If the evidence is fabricated, I will know that as well because I have made copies of everything in my PayPal account. Thank you for your help in this matter. | ||||||
| 05/18/2019 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CERTIFICATE OF MAILING Dear Sir/Madam : I am re-disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). Below is A breakdown of the total amount paid {$8000.00}, and amount refunded {$8000.00},. I expect credit collection agency to provide proof showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge should be provided. I dispute this debt because I returned the items to the seller. As I discussed with the bank, if the seller would return the {$1700.00} item to me, then I would be willing to pay for it. As soon as I returned the item, the seller threatened me. Both items were not what I was promised that I purchased and both returned to seller. When I returned the items to the seller, The seller threatened my life via text message. Police advised me to discontinue talking with seller. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. The FDCPA require that you honor this request. Thank you. Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX Department of Consumer Affairs P.s. 2/4 Buyer purchased one ( 1 ) crosshatched piece with understanding that it was from XXXX XXXX and XXXX, & smelled like dirt. PayPal said to buyer that Buyer will never see the money again unless I dispute it with my bank, Buyer Places dispute for {$1700.00} out of the {$6200.00}, as this was a duplicate charge. XXXX XXXX XXXX number XXXX PayPal refunded {$1700.00} Bank refunded {$6200.00}. ( they could not take back the {$1700.00} out of the payment ) Problem : No XX/XX/XXXXpapers or dirt smell on artifact. Terpentine smell on cross hatched stone. No sign of age or No sticker marks. Bank Tells buyer that is their policy to return the entire amount of disputed payment {$6200.00}. PayPal refunded buyer bank for {$1700.00} and bank refunded {$6200.00} XXXX XXXX Case # XXXX PayPal refunded money {$8000.00} Buyer Returned both the crosshatched piece and head pipe. PayPal tells buyer that I must collect the money from The seller to refund them. PayPal denies that the purchase were for items. PayPal says I will need to file a subpoena for their records. PayPal blocked buyer account. Buyer returns both head pipe and tablet ( 2 ) artifacts to seller XX/XX/XXXX Shipping number XXXX Cost for shipping {$100.00} Seller threatens buyer. Seller threatens buyer with physical harm. Seller says he knows someone that owes him a favor and will ring my neck. Police advise buyer to discontinue all correspondence with seller. Police called. Case # XXXX +XXXX ( XXXX ) XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX To : # XXXX < # XXXX ; XXXX XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction I am disputing the amount of the transaction. For reasons previously provided. Let me know if anything else is needed. -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XX/XX/XXXX EDT Subject : Disputed Transaction XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear Paypal ; I am writing to dispute the {$1700.00} transaction that paypal has sent to XXXX XXXX. The transaction was cancelled and item returned to seller. Paypal refunded my money for the item on XX/XX/XXXX. I have returned the item to the seller. The dispute should be collected from the seller, who has the money and the item. Attached is background information regarding the dispute. Attached documents should account for the disputed transaction. * Payment Paypal Echeck XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX * Payment : Bank Statement showing XX/XX/XXXX {$1700.00} Purchase authorized on XX/XX/XXXX Paypal XXXX CA XXXX Card XXXX * XXXX XXXX resolution letter to transaction claim # XXXX. * Refund Bank Statement XX/XX/XXXX XXXX Paypal Transfer XXXX XXXX XXXX XXXX XXXX * Refund XX/XX/XXXX Paypal Hist Rtn {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX proof of delivery to seller XXXX ( both {$1700.00} and {$6200.00} items returned to seller ). I believe that paypal contact the seller to get any other funds back as I have returned the items and owe nothing. Please respond and let me know what you need. Thank you ; XXXX XXXX XXXX | ||||||
| 07/20/2019 | Yes |
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| I am contacting you for urgent help with an unauthorized transaction by PayPal. The amount is a total of XXXX XXXX was taken out of my checking account on XX/XX/2019 and I have contacted Paypal several times by phone and email to no avail. I have also filed a dispute with my bank ( XXXX ) but in the meantime, I need to be refunded that amount as soon as possible given family medical expenses that I am dealing with. Here is what happened in detail : On XX/XX/2019, I read carefully on paypal on how to use paypal to wire money to family members within the USA and XXXX. The website said clearly that from one paypal account to another the recipient would get the money within seconds. I wanted to transfer money immediately to my sister in XXXX, since she was visiting our home country within 24 hours, so as to help with a parent 's medical expenses. Thus I initiated a money transfer of XXXX XXXX to XXXX XXXX who resides in XXXX XXXX on XX/XX/2019 ( from one paypal account to another paypal account ). As soon as I completed the transaction, a notification showed up on my screen that read : the recipient " will get the money by XX/XX/XXXX '', so right then I hit " cancel transaction ''. There was no lapse of time. It took me less than two seconds to cancel the transaction and I immediately received a confirmation of the cancellation. I have attached that document. I had canceled the transaction because the website provided wrong info about the availability date of the funds to the recipient, which is the only reason I have accepted the terribly low change currency rate of Paypal from ( XXXX to XXXX dollar ). I chose the " instantaneous '' money transfer for a family emergency and accepted that I will be getting a bad rate, compared to my reputable bank, for instance. Thus, with the conditions changing and a new date given to me after I completed the transcation, I decided immediately that I cancel the transaction. And I did. One day after my cancelation and its confirmation, on XX/XX/2019. paypal took the total amount of XXXX XXXX out of my checking account ( my paypal preferred method of payment ). Thus, the withdrawal was not authorized. i had revoked my approval and paypal confirmed the cancellation. I thought this would be an easy fix but I was wrong. Online there are very limited options and you can not dispute a " transfer ''. To this day, XX/XX/2019, the money has not been refunded and has not made it to the recipient either. After hours of trying, I manged to reach a representative who lacked basic knowledge of how to look up accounts and history. i was given a great deal of contradictory information and was shown no understanding of the emergency of the situation. The customer service first said they took zero $ out of the account as it was canceled but I had to say that the money is out of the account and my bank confirmed the information, so he kept me on hold a long wait then he said it was and you would be refunded in 3 to 5 business days. I made clear there are many major concerns : the fact that paypal gives you a specific date by which the money will be available to the recipient then it changes the date after the transaction is completed, which deceives the customer, to put it mildly, and that the transcation is unauthorized since the money was withdrawn after I canceled it and I had confirmation of that. I requested that the refund take place as soon as possible. I explained the family situation and I almost had a break down ( I had taken a loan to be able to support my father in his illness ) but he said, that is not something he can do. There is no way to expedite it and that the problem is that I have my checking account as my preferred method of payment, which takes longer for the refund to go through. Again, the website mentions no such thing and it says paypal refunds take minutes to reflect. I asked what is the latest time by which the money should be in my account. He put me on another long hold and came back to say it would take 5 to 10 business days at the latest so " you should have the money in your account no later than the 17th. ". I requested that the customer service escalate the issue but when I asked him if he has documented all the issues that I noted to him, he said he was talking to me and there was no way to record the issue. I was put on hold to talk to a supervisor, allegedly, but the line was dropped and I didn't recieve a phone call back, which meant I had to start over online by requesting help and then dialing the number and PIN, etc. I waited and waited and today, XX/XX/XXXX I filed a dispute with my bank after trying in vain to escalate the problem online through Paypal or over the phone. Please help me get my XXXX XXXX as soon as possible by holding paypal accountable. A customer like me obviously can not. This is urgent and it has already been 12 days. Thank you very much. XXXX XXXX XXXX | ||||||
| 02/18/2021 | Yes |
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| I recently received a letter from a company called XXXX XXXX XXXX in regards to a {$440.00} overdraft I have on a paypal account. I found this very strange, as I had previously been informed by a paypal representative through a phone call that they wouldn't pursue a debt collector and that the debt wouldn't affect my credit score. The letter says that I have 30 days to pay off this debt or it will be put permanently on my record, and tells me to pay it through a site called XXXX. I found it weird that it wasn't asking me to do this through paypal in any capacity, and upon further investigation, I'm starting to believe that this is a scam. here are a few reasons why : Firstly, the site XXXX isn't the site of ACI ; it's XXXX. That site even has it's own section to arrange payment. Secondly, the letter claims that the company is based in XXXX, New York, but the letter seemed to have been sent from XXXX, Texas. I've encountered scams before and one of the textbook signs of them being fish is inconsistencies with addresses. That puts this letter under suspect. In addition, there have been numerous forum posts on here mentioning letters like these seemingly from the same source with the same site attached, and most of them point to this as being part of the same scam. I'm starting to believe that's the case here as well, but since those posts also confirmed that XXXX XXXXXXXX XXXX IS PayPals collection agency, I don't want to ignore this only for it to actually be legit. I dont take lightly to the threat of my credit being negatively impacted especially when confirmed by PayPal that my credit would not be affected, especially because I should not owe this debt. I was scammed out of an item I was selling on XXXX. I am sending a copy of the following to the ACI office as well. Personal information is redacted. To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( date of letter XXXX. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 10 ( ten ) days from the date listed above, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUSTi be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX | ||||||
| 10/01/2021 | Yes |
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| I was in XXXX when the first transaction went through as a " Bill Pay '' to " Paypal '' on XX/XX/XXXX for {$3900.00}, then another one went through for {$6800.00} on XXXX. I was not alerted at all about any of the transactions and just happened to be checking my account since I was traveling... So I called them using wifi calling and told them these transactions were clearly fraudulent and the representative assured me she should have this taken care of and not to worry. On XX/XX/XXXX, another one went through for {$9900.00}. I called them freaking out and they kept telling me to call Paypal. I have called Paypal over 25 times at this point, starting from when I first discovered the transactions on XX/XX/XXXX and they can not find any information about the transactions using my bank account and routing number. XXXX has denied my appeals saying that I authorized these transactions to Paypal.I have gone into multiple branches, which has proven useless, as the representatives call the same fraud number and they also get the runaround. Since there is no direct number, I have spent hours on the phone with XXXX and Paypal, repeating my story each time to every representative I talk to, then I get transferred to the dispute department, then the dispute department tells me to file another appeal and then my heart sinks again with anxiety each time I get another denial, saying " an established device was used '' and " activity is not consistent with fraud '' when I clearly said this was fraudulent before the last transaction cleared. I am not understanding how every time I call Paypal they can not find any transaction linked to my XXXX accounts, along with the " Paypal account '' listed in the XXXX document ( per XXXX this Paypal account used to " add funds '' was established in XXXX ), yet this is inconsistent with fraud per XXXX. On XX/XX/XXXX, XXXX responded, " Our records indicate that the {$9900.00} payment was entered on your mobile app using a XXXX on XXXX XXXX. Considering that you contacted us the day before, there was no payment on file to stop. '' That is incorrect, because I told them that if it was necessary, I would gladly freeze my account, but the representative assured me otherwise. I have kept the minimum balance in my XXXX account so that they can be open for investigation, along with leaving the " paypal payee '' account info in my file for investigational purposes. I have also requested more information about the specific device that was used to " authorize '' these transactions and when/if these notifications went out ( I received no alerts whatsoever and have also asked when the contact information on my account was changed ), however XXXX continues to provide the most vague information. I also asked for IMEI, IP address, or exactly how/when these transactions were " authorized. '' They provided me with an IP address located in XXXX but I believe the first transaction may have cleared before I was in XXXX, but since they didn't give an IP for each transaction, I can't prove that for sure. I have filed complaints to CFPB ( with XXXX ), IC3, my local police, OCC, FDIC, FTC, yet XXXX assumes no responsibility. XXXX has taken 15 agonizing business days to get back to me via snail mail ( nope, no email or phone call in XXXX ). I have received ONE phone call from a XXXX representative to investigate my case after several appeals, countless calls and emails. It is outrageous that XXXX is disgustingly apathetic when one of their customers lost {$20000.00} under their care. On XXXX, they stated " with this final letter, we consider the issue resolved. We will no longer respond to inquiries regarding this matter. '' I sent a follow up email on XXXX requesting a three-way conversation with me, Paypal, and XXXX, but got no response. On XX/XX/XXXX, a representative from the office of the President 's Executive Branch said they will no longer respond to my inquiries and they could not conduct a three-way call. After exhausting all resources with XXXX, Paypal must have more information about these claims or at least communicate with XXXX that these claims are clearly fraud. I was told that there might be a third party involved in ACH transfers, if so, I need more information about all of these transactions. I am really not understanding how Paypal can not find any information about these transactions with the documents provided from XXXX. It is really insane both parties have no idea where my money went and refuse to give me any further information. As a consumer, this experience has been an utter nightmare, I have lost so much sleep and this has resulted in so many health problems from all of the emotional stress involved. Please, please, provide me more information, I really don't know how I can even prevent this from happening again and this has caused a state of constant anxiety. Thank you. | ||||||
| 02/24/2019 | Yes |
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| Date : XX/XX/XXXX To : XXXX XXXX Florida State Attorney General XXXX XXXX XXXX XXXX, Florida XXXX From : XXXX XXXX Defrauded Customer Ms. XXXX, I am making complaint against the XXXX because I believe their recent practices affect the public good. However, my official complaint makes claim against PayPal located at XXXX XXXX XXXX XXXX XXXX XXXX California and Dispute Department Representative XXXX. The reason for charging Paypal is that XXXX is a XXXX shell Company that is committing fraud through the PayPal organization. Paypal is aiding and abetting this fraud. XXXX set-up a website ( that is currently offline ) and it appears to be linked to legitimate companies. In this case, XXXX superimposed logos of the XXXX XXXX XXXX and the XXXX XXXX XXXX to make their site appear that they sell officially licensed products. I placed my order on XX/XX/XXXX and used PayPal as my payment option. The order was for a Womans Medium Officially Licensed # XXXX XXXX XXXX XXXX XXXX XXXX Jersey. At that time, I did not know that I was purchasing from a XXXX company. I did not realize this until I saw the charge on my PayPal account with what I assume to be the companies name. I can not read it because it was written in XXXX. I received an email saying that shipping would take 7-10 days however the package did not arrive for 3 weeks. When I saw the Jersey it is clearly a knock-off. More specifically, these jerseys were stolen and now being resold. in XX/XX/XXXX, the U.S. Immigration and Customs Enforcement 's ( ICE ) Homeland Security Investigations, with an assist from U.S. Customs and Border Protection and U.S. Postal Inspection Service, seized 226 boxes containing 4,016 counterfeit jerseys. It also includes 160,000 XXXX XXXX-related pieces of memorabilia discovered in recent days. " Organized criminals are preying on that excitement, ripping consumers off with counterfeit merchandise and stealing from the American businesses who have worked hard to build a trusted brand, '' said ICE director XXXX XXXX, in a statement. " The sale of counterfeit jerseys and other sports items undermines the legitimate economy, takes jobs away from Americans, and fuels crime overseas. When the package arrived, the shirt was extremely small. It looks like a baby shirt. It was not what I ordered. This is where the scam takes place. They never intend to send you what you ordered as they just send you whatever they have from the stolen merchandise they have in stock. At this point, I was given 3 options see a copy of the email from these criminals below : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : RE : Paypal complaint for order # XXXX Hi, OK, as the problem we have three choices for you. 1 ) You can return the item to us and pay for the international shipping fee. We will refund you after we receive the item you returned to us. 2 ) You can keep the item and we can give you 10 % of your payment for compensation. 3 ) Keep the item and add 85 % of your total payment to our XXXX XXXX first, after we check the payment, we will send another new item to you .Thanks. Return the Item for a full refund To return it must go through customs. International Shipping will cost close to {$75.00} - {$120.00} once all shipping costs are figured. What is for sure it will be more than the cost of the Jersey? No customer is going to choose this option because it doesnt make financial sense. Keep the Item and accept a 10 % compensation payment - I was offered 15 % or {$6.00}. This isnt compensation to XXXX it represents a profit of {$39.00}. Think how many times they catch unsuspecting Americans {$40.00} a pop adds up. Keep the item and add 85 % and get scammed again XXXX wants you to send them money through XXXX XXXX. What legitimate company uses XXXX XXXX?? They dont. What legitimate company tells you to keep the merchandise and reorder? No company does that. If you send them money again they will end all communication with you and you will never receive anything. I disputed the charge and with Paypal and they defended this fraudulent behavior. When I brought these issues up to PayPal Disputes Department, I was told quote We dont decide what is fraud and what is not? If Paypal doesnt make a decision in cases like this what was the department setup for. Attached please see a list of over 70 customers who XXXX has defrauded. It is the same story as mine, same scam and Paypal is enabling this behavior. The person who is writing these emails is not a company. He is a criminal! A customer can not be expected to send something back if they were defrauded into making the purchase in the first place. PAYPAL IS NOT A LEGITIMATE COMPANY!!! XXXX XXXX Distraught Customer CC : XXXX XXXX, US Department of State XXXX XXXX, Director of Consumer Financial Protection Bureau XXXX XXXX, Chief Financial Officer - PayPal | ||||||
| 04/25/2018 | Yes |
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| Hello, My name is XXXX XXXX and I am writing to file a Complaint against PayPal. I feel that they are holding my funds for an unreasonable amount of time and for no good reason. I have spoken to many agents from Paypal and they all gave me a different answer, blatantly lying to me. My husband and I currently reside in XXXX XXXX, California. We are expecting a child in the summer and have had a few financial hiccups. I had a few things I could sell to help us pay for our bills and rent. So, I listed my items and I sold my first item on Monday, XX/XX/XXXX. I sold it for {$900.00}. I have never used PayPal to receive payment prior to this, but the buyer wanted to use PayPal so I logged into my account and he sent me the payment. I immediately tried to transfer the {$900.00} from my PayPal account into my personal bank account. It was denied and I realized my name needed to be updated. So, on the same day, Monday, XX/XX/XXXX I updated my name, sent my proof of identification which was a government issued photo id and mail with my name and address on it. I called PayPal right after to let them know and to find out if this issue would be fixed easily and when I would be able to access my funds. I was told by the agent that my name would be updated within 7-10 business days. Afterwards, I could transfer the funds to my bank account and that would take approximately 1-2 business days. Happy with that answer, I left it at that. Just to make sure, I called a couple more times throughout that week and the agents I spoke with assured me that my name would be updated within 7-10 business days. That would mean that my name would be updated no later than Monday, XX/XX/XXXX. On XX/XX/XXXX, I had sold another item on XXXX for a total of {$320.00} plus {$5.00} for shipping and handling. The total amount I received in my Paypal account after fees was {$320.00}. This would be on hold for up to 3 days after the item had been delivered which was completely fine. I called the next day, Wednesday, XX/XX/XXXX to check on the status of my name update. This time I had been transferred to a specialist who could help me more. He told me that my name would be updated within 24-48 hours, which would be Friday, XX/XX/XXXX. I was very pleased with this answer because I felt like I was finally getting somewhere and could finally have access to my funds. Friday came and my name was still incorrect so I called PayPal yet again. I spoke with a lady who told me that I should give it a few more days because the name update had been requested on XX/XX/XXXX. I told her that no, I had updated my name on XX/XX/XXXX. She did not want to hear what I was saying and repeated what she told me. I called back Monday morning, XX/XX/XXXX. I spoke to an agent who transferred me to a specialist. That specialist transferred to me to someone who was handling my case. This man who was handling my case told me that my name would be updated and to give it time. He told me he was going to go ahead and process my name update. I was relieved, thanked the specialist, and hung up. Not even 15 minutes later, I received an email saying my account had been limited. I called immediately and spoke with a lady named XXXX. Now I am being told that I can not access my funds for 180 days. There was no reason for this. I had called and explained to them several times my issue and I had informed them that I could send more proof of identification if that is what they needed but they refused to help me solve this issue. They just kept repeating that I would have to wait 180 days for my own money. I felt defeated and lied to several times by several different agents. They all assured me that my name would be updated and that I could access my funds. Had I known there would be a 180 day hold on my account, I would have never sold the second item through PayPal. The next day, Tuesday, XX/XX/XXXX, I received an email saying my account will be permanently closed and that I would be able to access my funds after 180 days. I feel that this is a ridiculous amount of time to wait for my own money. I really needed this money because we are struggling financially. They are now holding a total of {$1200.00}. I would completely understand if they wanted to hold a partial amount, but holding the whole amount for 6 months seems absurd. I am XXXX XXXX XXXX currently and should not be worried about not having access to my own funds. I have been extremely stressed to the point that my face has been breaking out and I developed a XXXX XXXX right after finding out I could not receive my money. I tried numerous times to resolve this issue myself with no success and I was really hoping that someone could help me in this situation. I just feel they are being unethical and would love for this to be looked into. Thank you so much for taking the time to read this. Sincerely, XXXX XXXX | ||||||
| 03/04/2022 | Yes |
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| On or close to XX/XX/XXXX, a PayPal employee, accessed my personal information, and used it to open accounts at several banks, and crypto currency exchanges, including, XXXX XXXX Bank, XXXX Bank, XXXX Bank, XXXX Bank, XXXX Bank, XXXX, XXXX, and many others. On XX/XX/XXXX, sometime in the early morning, the same PayPal employee, or group of employees, accessed my PayPal account, linked the XXXX XXXXXXXX account that they had opened in my name, and transferred {$28000.00} to the XXXX XXXX account. They also changed the email address in my account to which transaction notifications would be sent, so I would not receive notifications of the new linked bank, and the money transfers they made. They even went so far as to begin text messaging my transaction notifications, from an XXXX area code, so I would not be aware that my transaction notifications had been redirected to a different email address. Except of course they omitted the transactions that they made in my account, including linking the new bank and the {$28000.00} transfer to XXXX XXXX. Over the next couple of days, they continued to send text messages of all of my actual transactions, verbatim as they appeared in my PayPal transaction history, even after PayPal had flagged unusual activity in my account and restricted access. Obviously, nobody outside of PayPal would have had that level of continued access to my account. FYI - I have turned over all of the text messages and other evidence to the Police. Fortunately, on XX/XX/XXXX XXXX shortly after the {$28000.00} was transferred out of my account, I happened to be in the account looking for some payments I was expecting, and immediately noticed the {$28000.00} transfer to a XXXX XXXX account. I've never even had any account at XXXX XXXX Bank. I immediately went into the PayPal fraud reporting page and reported the activity. A few minutes later, I received a text message from the same XXXX area code as follows : " Msg from paypal XXXX we reviewed Your Dispute And we issued your refund it takes XXXX business days for refund to appear in your PayPal account. Refunded amount : 28000.00 USD '' The message looks pretty suspicious, not worded very well, and obviously did not come from PayPal, but who outside of PayPal would have known the moment I had submitted a dispute of that {$28000.00} transfer. ( I turned over this text message to the police as well ) As PayPal stated, later on XX/XX/XXXX, after having conducted an " investigation '', they had determined that the {$28000.00} transfer was " not unauthorized '', and emailed their findings to me, but I didn't receive that email. I was told by one of the PayPal fraud representatives, that PayPal would never admit that the transfer was " unauthorized '' no matter what, because then PayPal would have to restore the funds to my account out of their own money, and they were never going to do that! She even warned me that I should not have kept a balance in my PayPal account, because PayPal does not have the same security as a real bank. Now who would have had access to my PayPal account, so they knew of every transaction that I made, at the moment I made it. Even exactly when I filed the dispute. So they could send me decoy text messages, redirect the actual PayPal messages, and steal money out of my account without me knowing. It was a really elaborate plan, that only could have been an inside job. But it didn't work. On XX/XX/XXXX, immediately after I noticed the new XXXX XXXXXXXX account linked to my PayPal account, I contacted XXXX XXXXXXXX fraud protection dept and they confirmed that an account had been opened in my name, with all of my personal information, including information that I only had used for PayPal security questions. The personal information that was used to open the XXXX XXXX account and the XXXX Bank account, and likely the others as well, was only known to PayPal!!! XXXX XXXX bank acted quickly restricting the account, and recalling a bunch of pending transfers to other places, and requested instructions to send the funds back to PayPal. PayPal, knowing that the entire scheme, was an inside job, perpetrated by one or more of their employees, simply ignored repeated efforts by XXXX XXXX to return the money to my PayPal account. On XX/XX/XXXX XXXX XXXX provided notice that the money had been returned to my PayPal account via an ACH reversal of the original transfer, and provided a trace number for the transaction, yet 3 weeks later PayPal still tells me that they can't find the funds!!!! The banking public should be astonished by the fact that this all happened on XX/XX/XXXX, and we caught it moments after it happened. The money has been tied up between global banks, that are household names, and almost 3 months later I still haven't gotten the money back!!!!!!!!!!!!!!!!!!! | ||||||
| 06/28/2021 | Yes |
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| To whomever this may concern, On XXXX. I went to access my PayPal account and noticed that they had a temporary hold on my payment to " XXXX XXXX '' which is the Law firm I use to pay my Lawyer I had to obtain in XX/XX/XXXX. This payment was taken from my account at XXXX. I clicked on the transaction. It said it was on Temporary hold to check for fraudulent charges, it was for {$310.00}. That's the only time I got to talk to someone about this. I try to use their " message center '' to talk to someone about this, they're eager to help until I mention my account is Limited, then it shows me a message, " Sorry no one is currently available, check back during our business hours. '' & then they disconnect the chat. Basically leaving me in the chat with no answers. I then see an alert that my account is Permanently Limited & that I could no longer use PayPal services. I have zero clue why this happened! I contacted support by phone. The guy said that a higher up company works with Account Limitations & unfortunately couldn't help me, but he lifted the temporary hold on my payment to my Lawyers office. Which was a huge relief. My fiance " XXXX XXXX '' is a XXXX at a restaurant. I'm a XXXX XXXX XXXX XXXX of a XXXXyr old. We panicked during the pandemic ( further research will show that's when I started receiving payments from him regularly, XXXX of XXXX I 99 % believe ) & we started having him send me his " tips '' as a way to have a savings incase things got really bad. I'm not sure if this raised a red flag that I automatically had a bunch of money coming into my PayPal account. I read the reasons of why this could happen to your account & this was one of them. I've had him doing this for the last year & 4months, I've had family send me money as well. That's it! My charges are even made to nothing suspicious! I did carefully read their terms after this happened like I mentioned above, and learned I should've turned my Business Account into a Personal Account to avoid stuff like this ( I've had an accnt. w/PayPal since XXXX w/no open cases nor disputes ). I didn't know this was an option or I so would've done that to stop this from happening that's for sure! I'm distraught! This is during a pandemic! I've trusted PayPal with my money for 13yrs! I went to the forums on Paypal, and within the last week, this has been happening to multiple people on PayPal! I'm sure you guys are getting complaints! What is this all about?! Why's it happening to so many people during a pandemic! These people have small businesses! I attached all the documents I could showing any kind of proof I could. PayPal NEVER emailed me anything that pertained to this! All I have are the screenshots I provided of the notice I received from their website. I also attached an email from XXXX XXXX to show that it is indeed my Lawyer I'm paying. Why they took out over {$300.00} at XXXX, is odd to me. Then again it could've just been an automatic thing their system does. I do understand this might have been the red flag that closed my account. Ever since I've hired them they've been taking my payments from my PayPal though. My family has sent me money to help cover these costs, because we simply don't have extra money like that to be paying for a lawyer. We literally live paycheck to paycheck. I also attached my Government ID ( address hasn't been updated as I intend to get my drivers license soon ) ..I included a TAX Document with my name and current address on it. I also have XXXX XXXX Drivers License and a bill sent to this address with his name on it as well, the address on his DL is up to date. I also attached some payment transactions that shows he sent me these payments from his PayPal account, which his bank account is also attached to. These 2 things are the ONLY reasons I could think of that would raise suspicion on PayPal 's part. I did nothing wrong, and I can't possibly live with no savings/money & to wait 6 months to get these funds, is just crazy! I read that it's incase a buyer wants to file a dispute. I don't sell anything! Like I mentioned above, when I did have an XXXX business on my PayPal account ( approx.10yrs ago ), there were no disputes EVER. I have a business debit card from them as well. I tried to send my fiance the {$17000.00} yesterday out of sheer panic. I canceled the requests because I don't want to do anything that will further get me in trouble. I don't know what to do, so I'm reaching out to you. Please if you could help me, it would save my family during this insanely hard time. I can't afford to have this money taken from me! It's A LOT of money especially for us, & has given us such peace of mind. Now its gone. I've been crying since yesterday. I'm at a loss. You're my last resort. Thank you so much! I appreciate you doing this for people! Best Regards, XXXX XXXX | ||||||
| 09/12/2020 | Yes |
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| On XX/XX/2020, we received a text notification of a very unusual transaction through our PayPal account. This is an account I've had for years and it is set as a business account. However, we have not been using it for such purposes, as we handle our invoicing and accounting through another company, XXXX. We opened a claim, coded by the service provider as case Case ID : XXXX with a total of 9 fraudulent transactions for a total of {$1900.00}. The person who hacked our account created all these to include payments to people we do not know and 2 transfers to a credit card ending on XXXX, which the hacker added to our account right before doing the transfers. They were only able to get {$50.00} out into their card, then removed the card from our account. Also, the same day, a transaction charging a " XXXX XXXX '' for services we did not provide that person ( because we do not know who he is! ) was reported as an unauthorized transaction for a total of {$240.00}. This case is filed by Paypal as Case ID : XXXX. The day we get all this horror in our account, we try to contact PayPal to report the issue, and of course, customer service is unavailable due to the pandemic crisis. I understand the terrible threat this virus crisis represents to all businesses, but honestly, do not think that in an emergency situation such as a security concern, customers would have to figure out in their online platform how to file a claim and wait for the best, until they please to respond. In the meantime, you give hackers the opportunity to walk away with your money, with your personal and business accounts information, and with your privacy trashed. The only way to deal with this claims is online, on a message center that glitches all the time. You have to wait 12-24 hours to get a response. In the meantime, you are going crazy as you know your bank accounts are susceptible to getting accessed and you loosing your money. I've been chatting and emailing PayPal since XXXX XXXX, 2020 until today, XXXX XXXX, 2020, still trying to resolve this issues. On XXXX XXXX I was able to speak with someone over the phone, the agent assured me they will be resolving the cases ASAP. Until today, only case XXXX is partially resolved, because one of the CC transfers for {$50.00} is still not restored in our available balance. Fortunately most of the transactions in this case were chosen by the hacker to get paid from a business savings account that has been closed for 2 years now. And that was just by the grace of God! I had to place stop payments from PayPal from all my bank accounts to protect our funds ; I had to withdraw the little money in that account that is only being used for me to send money to my sister. She holds one of the issued debit cards to this account, so she can access funds when I deposit to her, but now we feel very insecure to use this. But case XXXX is still active, they have not resolved it and they had no shame in sending me a message that this will be closed in favor of the sender! Can you believe? I have a whole record of the desperate messages I've been sending since receiving this notification on XXXX XXXX, 2020, as the PayPal system obligates me to respond to this claim, when I did nothing! My answer choices to the claim are non-applicable : - I've already shipped the product or provided the service - I've already issued a refund - I'll issue a refund to my customer and close this case I can not respond to this claim, which means the hacker will be favored, and the PayPal customer will be punished for something they did not do. And this is all due to their flawed automated system and their disgraceful policy and bad corporate decision to have this kind of situations handled by a machine rather than a human expert on security cases available immediately as a problem arises. I file this complaint not only to make you aware of this particular case, but that I'm sure this makes part of a huge wave of safety issues in the financial services arena. XXXX security is a huge problem that has been evolving for years, but now due to the pandemic crisis, the problem is susceptible to escalate to much higher levels if financial services companies and the system in general does not prepare for a greater threat. I hope you can bring this to the attention of high executives in PayPal, starting by Mr. XXXX XXXX, President and CEO, PayPal. We've lost credibility on their services and their ability to handle money online. No matter what systems are in place, you can't ever disregard the human component. A machine can't never replace the need for individuals taking care of individuals. As a business owner and entrepreneur, I firmly believe this, and hope my message comes across for the benefit of consumers, and for the enlightenment of those who lead corporate operations. | ||||||
| 09/18/2019 | Yes |
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| I purchased a software service from XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$2900.00}. I had their service for a little over a month and had cancelled conference calls, very poor results and therefore reached out to merchant for a refund. They said they would review the campaigns and get back to me with a solution. They got back to me end of XX/XX/XXXX and said they thought they could still help out and get the results we were looking for. They would have a senior account specialist take over the account moving forward. We gave them about a month and still had poor results. We then requested again to have a refund. Merchant said they would issue one. After about a month went by, we are now in XX/XX/XXXX, the merchant said they were having an issue with processing the refund. Transaction happen with my XXXX XXXX XXXX XXXX ( Visa ) and was processed through PayPal. Merchant said they needed another method to process refund ( Ex. Wire Transfer ) I sent them over my banking information. They acknowledged they received it and that my information was sent over to their payments processor. This was in XX/XX/XXXX. This is the last communication I have with the merchant. At this time I knew most likely they would not be issuing a refund and that I would have to rely on Paypal and/or XXXX XXXX XXXX to get this handled for me. On XX/XX/XXXX I contacted XXXX and started a dispute. I received a letter asking for additional information on the dispute. I sent in what was requested. I then received another letter later in XXXX saying that they needed some additional information. I then sent that information over to them. On XX/XX/XXXX I received a claim denied letter because they did not receive the proper documentation. I called them up and they reopened the claim and I sent in again the information they requested. I received another letter on XX/XX/XXXX saying it was denied again because they did not receive the correct information. Only this time the letter asked for additional info that the first letter did not ask for. I then sent this information over to them. I called again and they verified they received the documents that they needed and would review and get back to me. I received another letter on XX/XX/XXXX that denied my claim. I called again and they reopened again on XXXX, XXXX, XXXX. I sent in more information that they requested. I called on XX/XX/XXXX and they said that they claim was reopened and denied on the same day because it had been the 3rd time they asked for information and did not receive it. I would get a different answer from each person I spoke to about this over the course of the last 2 months. The couple of people I spoke to the last time on XXXX, XXXX, XXXX they said they were not able to do anything because it was submitted to Visa and Visa denied because it was over 120 days since the transaction. Since Visa denied it, they never contacted the Merchant over the last 2 months at all. Paypal said they would help with the investigation but XXXX never reached out to them. I contacted Visa and they said since they were not a banking institution they could not do anything and it would have to be handled by XXXX. I have sent XXXX proof from the merchant that they would give me a refund twice and have been in constant contact with them up until XX/XX/XXXX when the merchant would no longer communicate with me. They knew if they could push it out this long, they would most likely get away with it, without any repercussions. XXXX did no research or any communication to paypal or merchant during the last 2 months and kept sending me denial letter or request for information that they already had. Between VISA, XXXX XXXX XXXX and Paypal since it's past the 120 or 180 days they allow they are not willing to do anything. I told them there had to be exceptions since I had proof that I was in constant contact with the merchant and they agreed to give me a refund multiple times from XXXX, XXXX up until XX/XX/XXXX. I have contacted Paypal a few times over the last 2 months regarding this and they kept saying that since it was out of the 180 day period there was nothing they could do?? Really? They have supposedly sent requests to the merchant asking to refund me, but they have no documentation that supports this. I spoke to them again on XX/XX/XXXX asking for this and the lady I spoke to said she would contact their back office to get what information they could and send another request to the merchant. I have told them that the information they have on the merchant is wrong. Their phone number does not work and they obviously were out to benefit themselves financially for a service that does not work. Paypal seems to be ignoring these questions as well and not doing anything about my complaints on the merchant or willing to help get this resolved. | ||||||
| 06/11/2020 | Yes |
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| I have 2 open cases with PayPal. The cases were opened on XX/XX/2020 & a final resolution was supposed to take place on XX/XX/2020. Now PayPal is asking me to file a complaint with a law enforcement or government agency to resolve the case. This is a copy of the most recent e-mail sent by PayPal : Please provide any information we ask you to send us within 10 days. If we don't hear back from you within this time frame, we may decide this case in the sellers favor. To continue with this investigation, a report must be filed with a law enforcement agency or government organization. You may choose to contact your local law enforcement agency ( such as your local police or sheriff 's department ) or you may choose to file a report with any other governmental agency of your choice. Examples of such agencies could include : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Your state 's Consumer Protection office Your state police A Federal law enforcement agency such as the FBI or XXXX XXXX XXXX A report to the XXXX XXXX XXXX XXXX XXXX XXXX isnt acceptable for this document request Filing a report with a law enforcement agency or government organization Contact a law enforcement agency or other governmental organization ( either in person or online ) to report the issue Report specific details regarding the item you received You must obtain a copy of a report from the law enforcement agency or governmental organization and provide it to PayPal The report must contain the following information : It should be on the agency 's or organization 's letterhead or contain a stamp or seal or some other information that indicates the report is official documentation It should clearly explain the details of your issue It must include the agency 's or organization 's contact information Any documents you provide may also be supplied to the seller. I am very frustrated because I have communicated frequently with PayPal & they keep adding conditions to resolve the cases. Below is a copy of my conversation online with PayPal. I have 2 open cases in the Pay Pal Resolution Center. Both were ordered in XXXX from XXXX ads & both come from XXXX which I did not know at the time. I will never order anything from XXXX ads again but please help me get a refund. One is for {$100.00}. + for 6 pieces of clothing. I got one top from the clothing company. They wanted to establish a tracking number but never sent the other 5 pieces so my case was reopened a 'not as described. ' The other order I can't access on the resolution center but it has never been received. It is a mechanical XXXX toy. Thank you for your help. The clothing case is supposed to be decided on XX/XX/XXXX. I ordered the items on XX/XX/XXXX. It is frustrating that I have waited so long for a refund. The other case is hidden because it lists 2 cases as open but I can't find it. How do I escalate my claim to a dispute? Seller info XXXX XXXX XXXX Invoice ID XXXX Purchase details Long Sleeve Casual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00} Long Sleeve Casual Cotton-Blend Shirt - Gray / M {$25.00} Plus Size Long Sleeve Pockets Crew Neck Solid Linen T-Shirt - Purple / L {$19.00} Summer Pockets Striped Casual Capri Pants - White / L {$19.00} Summer Pockets Striped Casual Capri Pants - Black / L {$19.00} Amount {$100.00} Discount -negative {$5.00} Total {$100.00} The seller is expected to respond with the requested information before XX/XX/2020. Once we receive a response from the seller, we'll share the information with you. We'll also let you know if we need any additional information from you to resolve your case. As early as today the seller could issue the refund for us. But if they fail to do so I am just giving the seller up until XX/XX/XXXX to respond to the case otherwise i am going to force that money out of their account and refund it to your bank. Your bank will be able to post the amount within XXXX business days after i have refunded the amount. Thank you, I have been dealing with this issue too long without any progress. I appreciate your help. By the way, I just checked & the site has disappeared completely from XXXX. I can't even communicate with them anymore. Thank you for that information, no worries because the case will still continue even if their website is no longer exist. The seller have 7 days left to respond. If no response within the timeframe, we will issue a refund for you and close the case in your favor. On the other hand, we will update you via email as soon as the seller responded. I hope that this helps your concern today. If you have further questions, you can leave a message and we will get back to you, otherwise you can end the messaging window now. Thank you again for reaching out to PayPal messaging. Have a great day! This conversation has been closed, | ||||||
| 12/11/2021 | Yes |
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Web | Older American |
| this is an exchange of the dialogue I had with PayPal - PayPal sent money to a recipient not chosen by me but by PayPal. I did not authorize this payment to this incorrect selection of the recipient by PayPal. My reply to PayPal is enclosed in ( -- ). Following is their response and my ( reply. ) Dear XXXX XXXX, My name is XXXX with PayPal XXXX XXXX XXXX XXXX XXXX. Your outreach was forwarded to me so that I can fully address ( Sir, this fully address did not take place ) your concerns. ( I have several concerns you did not address to any degree ) I am sorry for the difficulty you have experienced and appreciate you bringing this matter to our attention. A review of your PayPal account shows that on XX/XX/2021, you sent ) ) a personal payment in the amount of EUR XXXX. On XX/XX/2021, you filed a buyer complaint stating the transaction was unauthorized. ( YES, the payment was unauthorized because I did not select that recipient you at PayPal chose that recipient with the associated incorrect email ; I did not!! ) The case was denied the same day as you did authorize the transaction on your account. ( ( Correction needed again -- -I did not authorize a payment to the individual recipient you chose the recipientit ( HE and his incorrect email address ) did not come from me. ) ) The case reference for the complaint is XXXX. PayPal is a user-initiated third-party platform that allows users to securely make transactions online. PayPal does not have the ability to send payments on your behalf, nor is PayPal able to change the information provided in the transaction. ( This statement is in gross error. You people changed the data -- - I did not provide anything in the way of the correct email address. I provided only a name, XXXX and XXXX for the correct recipients bank XXXX. At no time did your people indicate that an XXXX was inadequate, or I would have made the effort to provide the correct email. You people did not provide me the opportunity to do that andyou people chose the incorect email that was sent to. ) This transaction was sent using an email and not a phone number or any other information. An XXXX number can not be used to send payments via PayPal ( this information does not display on your page that the blanks are filled in for sending to an individual. NOR at any rime was I notified by hour people that an XXXX was inadequate for sending in the PayPal platform- had I been notified, I would have made the effort to acquire the correct email since I at no time had prior information to his email address so in cconclusion, your people made that decision with not consultation from me SIR ), We allow transactions to be made using either an email or a telephone number. I want to apologize again for any frustration ; however, PayPal 's decision remains on this matter. You may want to seek resolution outside of PayPal. ( I anticipated a decision such as you just disclosed and prior to your reply, I have filed a complaint outside of PayPal. I must say sir, your organization does not at least in this case present any deductive thought and have made your decision not considering the logical procedure for correct deductive good judgement analysis. You have totally ignored your actions that were in error causing this loss to me of {$1500.00}. ) I understand this may not be the response you were hoping for, ( CORRECT. I was hoping for a logical fair, consideration of ALL FACTS that reflected and impacted your narrow minded, tunnel view decision that now shows that PAYPAL does in fact use its big corporation power to keep the XXXX from a fair and logical decision with no consequences to be paid for your obvious faulty actions and decision. ) but I hope this response sufficiently addresses your concerns. ( It does not too many pertinent impacting facts were completely ignored and not considered ) Please feel free to contact PayPal 's XXXX XXXX XXXX XXXX XXXX you have any questions or concerns or if we can be of further assistance. ( Sir you have provided no assistance but have served to exasperate the whole sad unfair experience. ) Very sincerely yours, XXXX XXXX XXXX XXXX XXXX script. SIR, I am an XXXX XXXX XXXX XXXX XXXX XXXX man on Social Security and very rarely have extra money for any purpose. The purpose of the attempted send was to be delivered to a single mother who lost her husband in an industrial accident and have XXXX XXXX to take care of. Your ill-considered decision has prevented a XXXX XXXX from taking place for one of her children. Sir, I am respectfully requesting your fair and compassionate reconsideration of the action you have put in place for a fair and all-encompassing of facts decision. The verbiage in red is to clearly separate your writing from my comments regarding your decision. With regards XXXX XXXX | ||||||
| 08/16/2019 | Yes |
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| Hello, this issue happend a few months ago however I am just now finding out about CFPB to file complaints. This complaint is regarding service with PayPal. First of all for a small background, I run a sneaker purchasing service for customers ( XXXX XXXX on XXXX ) in which people pay us a fee to obtain a sneaker for them. Why would someone pay someone else to buy a sneaker for them? Well, there are sneakers that resell for a lot of profit. For example you can check XXXX and XXXX for examples of sneakers that resell for a lot. Customers pay us a fee to get these sneakers for them before they sell out so that they can pay retail value instead of the insane resale values. On XX/XX/2019 we had a customer from XXXX XXXX who requested a bulk order of 100 pairs ( XXXX XXXX XXXX XXXX XXXX ' ) which came out to {$24000.00}. As soon as I received the funds, which was {$23000.00} after PayPal fees. Then, I had forgotten about PayPal fees in my initial bill to the customer so they sent another payment of {$400.00}, which was {$380.00} after fees. Once we had the required funds to fufill the service for the client, I transferred {$10000.00} to my bank account. The reason I did this is because in order to use the customers money to buy the sneakers I needed to transfer it to my bank so I could use my card on the websites ( XXXX and XXXX ). This resulted in {$10000.00} being in my bank and about {$14000.00} still in the PayPal balance. Because they did not understand my business or what I was doing, they limited my account. This prevented me from being able to withdraw or transfer. While PayPal was in the process of locking my account, I had already secured 5 pairs for the customer which was valued at about {$1200.00}. However, after I saw my account was locked, I immediately wanted to refund the buyer the rest of their funds so that nothing got held up. Please note, {$24000.00} is A LOT of money and PayPal seemed to care less in this situation. So, after securing the 5 pairs, I had about {$8800.00} in my bank account and still about {$14000.00} in my PayPal balance. Because I wanted to refund the customer, I tried to transfer the {$8800.00} back into my PayPal balance so that I could refund the buyer their remaining funds. However, because my account was locked PayPal refused to let me transfer the BUYERS funds back into my balance. I was appalled as to why their system is setup like this, however in attempt to resolve the situation as quickly as possible ( Mind you there is about {$23000.00} being held up right now ) so that no sides were losing money, I gave PayPal a call to ask if they would temporarily life the deposit hold so I could add the buyers money back into my balance and be able to facilitate the refund. To no surprise, given how bad their systems are setup, their service was also terrible. The customer support representatives were rude. One lady even asked me why I was transferring {$24000.00} which is completely unprofessional and out of context and then she had the audacity to give a rude comment of " why in the world is someone buying 100 pairs of sneakers! ". This was absolutely ridiculous and quite frankly my or my buyer did not have time for this nonsense. My buyer could not afford to wait 6 months just to receive their refund. That's absolutely ridiculous. So, to speed up the process and refund the buyer, we decided to directly bank transfer the {$8800.00} back to the buyer in XXXX XXXX and then do a PARTIAL refund of what was still in the PayPal balance to the buyer. I thought all would be well and solved. Well, of course not. When I refunded the buyer, my balance went - {$1000.00}. This was certainly not a miscalculation. What happend was that in the process of the refund, instead of PayPal refunding the fees that they originally took, they charged me! Absolutely ridiculous. So I gave them a call to say there was a glitch in the system and that it had charged me the fee instead of taking it from their system. The people on the phone were completely clueless and literally started making things up because they did not understand. The lady said they did not take the fee from me, etc. But then I told her to do the calculations herself and everyone in the office was stunned. After talking to a manager, they decided to start making things up that was basically along the lines of when you refund a buyer PayPal keeps the fees. I then asked them where in their terms of service that it said this and they could not give me a reference. Absolutely ridiculous. So, my business has been down {$1000.00} ever since simply because PayPal 's systems are very badly engineered and they don't understand the business. It's ridiculous to think that I lost money off that deal not because of my services but because of PayPal. So sad. | ||||||
| 09/18/2021 | Yes |
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| Paypal ( XXXX XXXX, CA ) On XX/XX/2020, I paid {$2300.00} using PayPal service for an XXXX item listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. I called XXXX if they can verify the authenticity of this bag and they said they don't provide this type of service whether purchased XXXX bag is authentic or not. There was no way I can verify if this bag was counterfeit. Then, I couldn't go out because of Corona Virus outbreak and I found out that this was a illegal counterfeit item when paint started coming off from the bag after few months of purchase. So, I tried to file a police report and file a lawsuit against this criminal who sold this counterfeit item, but, PayPal who received my money and paid the money to seller on behalf of me is refusing to provide the legal name, legal address, and banking information of this criminal ( seller ) who PayPal transferred my money to. There is no way I can find out who and where my money was paid to, unless PayPal discloses seller, who received my money through PayPal service, if PayPal is refusing to provide this seller 's legal name, legal address, and banking information because seller used fake business name and did not provide all the details to me because PayPal is the financial institution who collected all of this information and PayPal has all the duty and responsibility to collect the legal information on behalf the buyer and protect buyer from any fraud. But, PayPal is refusing to disclose seller 's info to me and participating in illegal business strategies by helping and facilitating illegal counterfeit sales and criminals to keep crimes to continue by hiding their identities to buyer who had financial damages from this sale transaction and PayPal is refusing legal rights of buyer ( myself ) to know who and where ( banking info ) my money was paid to. PayPal is practicing illegal business by making profit from illegal counterfeit sales and hiding criminal 's identity. PayPal 's 180 days refund grace period should not apply in this case because illegal crimes investigation and arrest should not have 180 days grace period and I have all the rights to get the refund for this illegal activities by PayPal and criminal ( seller ) with illegal counterfeit items sale. PayPal is negligent refusing to help the crime to be reported to legal authorities and putting buyers ( myself ) at great risk without protection from this serious crime and illegal activities. Please help me collect legal name, legal address, and bank information of the seller ( criminal who sold me illegal counterfeit item ) where my money through PayPal. Paypal 's respresentative told me they did not collect all the required information for this financial transaction of the seller ( criminal ) 's legal name, legal address and practiced in negligent business manner by just sending the money to this criminal who created PayPal account using fake business name ( XXXX ). I am trying to file a police report of this criminal seller who committed serous illegal crime selling counterfeit item and recovered my financial damages ( I sent {$2300.00} for Counterfeit XXXX XXXX listed in XXXX as Authentic using PayPal service ). My credit card statement shows that my money was paid to PayPal so I don't have other banking information of the seller and I was only give a fake business name of this criminal who sold me illegal counterfeit item. PayPal keeps telling me that they can help me only within their 180 grace period after the transaction, But, PayPal needs to help me to file a police report and it should not limit to their 180 grace period from the date of sale transaction, because this type of serious illegal crime must be arrested, investigated, and must be stopped and I need to recover all the financial damages ( XXXX ) and PayPal is refusing to help me to get legal authorities help and file a police report because PayPal is refusing to provide the criminal 's legal name, legal address, and legal bank info where PayPal sent my money to who sold me illegal counterfeit item, because PayPal is telling that they need to protect this criminal 's legal identity. But, I have all the legal rights to know who I paid my money to. Please help me collect the legal name and address and banking info where my thousands of money was paid to from PayPal. PayPal is practicing illegal business strategies by making profit from illegal counterfeit item sales and collecting fees and negligent to help resolve online crimes by refusing to my rights to know who I paid my money to. Pease help and help me get refund from PayPal for the illegal counterfeit item and if PayPal does not disclose criminal 's info, I can not file a police report, stop this serious illegal crimes to continue, and recover my financial damages. | ||||||
| 11/12/2018 | Yes |
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| My problem is with PayPal. I am going to attach the emails that I sent to the three people that are supposed to be in charge of PayPal customer relations. I did not get one email back. The email and the included audio gives a very clear picture of the situation. HELLO, THIS SHOULD USED IN YOUR TRAINING FOR NEW EMPLOYEES OF WHAT NOT TO DO. THIS IS NOT THE FIRST TIME THAT I HAVE HAD AN ISSUE WITH PAYPAL AND HAD TO SPEAK WITH WITH TWO OR EVEN THREE MANAGERS AND I WAS TOLD ONE THING THAT WAS SUPPOSED TO RESOLVE MY ISSUE AND IT DIDN'T WORK, THEN THE NEXT MANAGER WOULD TELL ME TO DO SOMETHING ELSE BUT NEITHER WOULD WORK. SO ON THIS PARTICULAR DAY I NEEDED TO MAKE A TRANSFER TO A CARD THAT IS ALREADY LINKED TO MY PAYPAL AND HAS HAD SUCCESSFUL TRANSFERS BEFORE. FOR SOME REASON THIS. WAS NOT THE CASE ON THIS DAY. IT WAS TELLING ME THAT THERE WOULD BE A 72 HOUR HOLD. THIS IS NOT ACCEPTABLE AS I NEEDED TO PAY MY UTILITIES BILL IMMEDIATELY. THEN THERE WAS THE FACT THAT ABOUT A MONTH BEFORE I HAD THIS SAME EXACT SITUATION POP UP AND WAITED THE 72 HOUR TRANSFER TIME. AFTER THAT I WAS ABLE TO SUCCESSFULLY MAKE TRANSFERS JUST LIKE YOU GUYS ADVERTISE IT TO HAPPEN. SO WHY IN THE WORLD WOULD IT NOW BE DOING THE 72HOUR HOLD A MONTH LATER WITHOUT ANY KIND OF REASONING WAS UPSETTING TO SAY THE LEAST. ESPECIALLY SINCE I ASKED THE FIRST MANAGER TO EXPLAIN TO ME WHAT WAS CAUSING THIS TO OCCUR SO I COULD AVOID DOING THAT IN THE FUTURE. I DO NOT WANT THIS TO BECOME SOMETHING THAT I AM FORCED TO DEAL WITH EVEN THOUGH THIS IS MONEY THAT IS ALREADY IN YOUR POSSESSION. I AM THEN BEING TOLD THAT I CAN NOT ACCESS MY OWN MONEY FOR 72 HOURS WITHOUT ANY REASONING?! HOWEVER AS YOU WILL HEAR THE FIRST MANAGER TOLD ME THAT THE ONE OPTION I CAN DO TO ACCESS MY FUNDS WAS I COULD. TRANSFER THE FUNDS. TO A FAMILY OR FRIEND AND THEN HAVE THEM GIVE ME MY MONEY. NOT IDEAL BUT AT LEAST I HAD A WAY TO PAY MY APS BILL SO MY ELECTRIC WOULD NOT. BE TURNED OFF. I GET OFF THE PHONE AND I THEN HAVE TO FIND SOMEONE I KNOW WITH A PAYPAL SO I CAN FINALLY BE DONE. WHEN. I DO FIND SOMEONE IM EXCITED AND RELIEVED BUT GUESS WHAT PAYPAL DOES NOT ALLOW ME TO COMPLETE THE TRANSFER AGAIN. SO HERE I GO AGAIN CALLING PAYPAL UP. NOW MIND YOU THAT THE FIRST TIME I CALLED. IN THE WAITING TIME WAS LIKE. AN HOUR TO HOUR AND 45 MINUTES, SO I OPTED FOR THE CALL. BACK. I NEVER RECEIVED ONE. SO I CALLED YET AGAIN AND OF COURSE. THE WAIT WAS HORRENDOUS BUT RATHER THAN RISK IT I DECIDE TO GO AHEAD AND HOLD. WHEN. I GET. A REP I IMMEDIATELY ASK TO SPEAK WITH A MANAGER AND THE REP SAYS THAT THE MANAGER IS GOING. TO TELL ME THE EXACT SAME THING THAT HE CAN TELL ME. WHATS WITH YOUR REPS BEING SO HESITANT TO PASS YOU ALONG TO SOMEONE THAT IS SUPPOSED TO HAVE MORE AUTHORITY THAN THE AVERAGE PERSON? ANYWAY I FINALLY GET TRANSFERRED TO THE " MANAGER ''. THIS IS WHEN THIS GETS INCREDIBLY FRUSTRATING TO ME. I EXPLAINED WHAT THE PREVIOUS MANAGER HAD TOLD ME ABOUT TRANSFERRING TO A FRIEND OR FAMILY. I LET HIM KNOW. THAT IT STILL ISN'T WORKING. HE TELLS ME THAT HES SORRY BUT YEA THAT WOULDN'T WORK, DESPITE ME BEING TOLD BY ANOTHER MANAGER THAT THIS WAS THE ONE SOLUTION TO ISSUE AT HAND. HE DIDN'T CARE, HE DIDN'T ATTEMPT TO EXPLAIN OR HELP IN ANY WAY. HE EVEN TOLD ME. THAT IT DIDN'T MATTER WHAT THE OTHER MANAGER HAD TOLD ME. THERE WAS. NOTHING THAT ANYONE. COULD DO TO HELP AND I. WAS SIMPLY ASSED OUT ONTHE CURB. I HAD TO PAY MY UTILITY BILL AND BECAUSE OF THIS INSANITY I WAS UNABLE TO ACCESS MY OWN MONEY AND. MY UTILITIES GOT TURNED OFF. THE UTILITY. COMPANY CHARGES A {$400.00} DEPOSIT TO GET YOUR UTILITIES TURNED BACK ON IF THEY HAVE DISCONNECTED BECAUSE OF NONPAYMENT. I. DONT HAVE THAT LAYING AROUND AND I STILL DONT HAVE MY UTILITIES ON. THIS IS WRONG, WHY WOULD PAYPAL BE PUTTING THAT 72 HOUR HOLD ON. MY ACCOUNT AGAIN AFTER. YOU GUYS HAD ALREADY PUT. ME THROUGH THAT BS A MONTH BEFORE. THEN EVERYTHING WAS FINE FOR. A MATTER OF A COUPLE WEEKS WITH NO ISSUES BUT THEN.UP. COMES THE. MOST INCONVENIENT HOLD ON FUNDS THERE CAN BE. THEN YOU HAVE MANAGERS NOT TELLING ME. WHY THIS IS HAPPENING SO I COULD ENSURE THAT I DIDN'T DO THIS. AGAIN. IN THE FUTURE. HERES THE REAL KICKER- YOU THEN HAVE A MANAGER THAT TELLS ME HOW I CAN GO ABOUT SOLVING SOMETHING. WHEN THAT TURNS OUT TO BE NOT CORRECT YOU HAVE A MANAGER THAT OFFERS. NO HELP. AND. JUST SAYS THAT THE OTHER MANAGER DIDN'T MATTER. SAYS A WHOLE LOT OF RATHER DISMISSIVE AND RUDE REMARKS AND IS. CLEARLY NOT INTERESTED. IN TRYING TO HELP " YOUR CUSTOMER '' SOLVE A PROBLEM THAT PAYPAL HAS. CREATED FOR ME WITH NO APPARENT REASON.IF THERE WAS A REASON THEY SURE AS XXXX WEREN'T TELLING ME. I AM ATTACHING THE RECORDED PHONE CALLS THAT I HAD WITH BOTH OF THOSE. MANAGERS SO YOU CAN SEE THE MANNER IN WHICH YOUR MANAGEMENT HANDLE CUSTOMER RELATIONS. | ||||||
| 04/06/2022 | Yes |
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| Venmo is a peer-to-peer ( P2P ) payment app available on XXXX and XXXX phones that allows for the quick and easy exchange of money directly between individuals. Founded in XXXX, Venmo began as a text-message-based payment delivery system. My name is XXXX XXXX and venmo has created quite a hardship on myself by freezing my account and not promptly resolving the issue. XX/XX/XXXX transfer {$2800.00} from XXXX to my venmo because XXXX doesn't work with my checking account and Venmo has for the past year. XX/XX/XXXX I bought gas with the venmo card XX/XX/XXXX I sent money from venmo card through XXXX XXXX because my daughter doesn't use venmo 20 minutes later I received an email from venmo my account has been frozen because they need more proper identification after a year of using venmo I submitted ID California driver 's license and followed up by calling customer support which their automated message says " if you speak to a live agent we will not be able to resolve your situation today " Talk to agent and they told me to wait 4 to 5 days for ID verification email representative to contact me. Day XXXX XX/XX/XXXX I follow up through chat support and a phone call again with the response of the attach saying we can't tell you when will respond but it'll be as soon as possible. XXXX PM ) Team Venmo : Thanks, an agent will be with you shortly. The QueuXXXX position shows how many people are in line ahead of you. ( XXXX PM ) Team Venmo : To make sure you see our response when an agent is available, please enable your push notifications for Venmo. On XXXXd, you can enable your notifications by opening your phones Settings > Apps & notifications > Notifications XXXX Venmo. ( XXXX PM ) *** ( XXXX ) XXXX XXXX joined the chat *** ( XXXX PM ) ( XXXX ) XXXX XXXX : Hi there! Thank you for contacting Venmo Support, my name is XXXX and I will be assisting you for today! ( XXXX PM ) ( XXXX ) XXXX XXXX : Appreciate you bringing this to our attention! I'm sorry to hear about this frozen account but I'm glad you reached out to us. Don't worry, let me go ahead and take a look to see what had happened. Please give me a moment to pull up and review your records. ( XXXX PM ) XXXX XXXX : Good Morning. My account was frozen 5 days ago and I was requested to submit ID which I did and my account is still frozen ( XXXX PM ) ( XXXX ) XXXX XXXX : Hi there, thank you for patiently waiting! I can see that the ID you submitted to our Account Specialist, and one of our agents already escalated your reference # XXXX to them. You may need to wait for them to reach out to you via email once it is reviewed. ( XXXX PM ) XXXX XXXX : when can I expect a response it's been 5 days already. {$2400.00} is locked up. my rent and bills are overdue ( XXXX PM ) ( XXXX ) XXXX XXXX : Thanks for letting me know! Sorry for the delay in this process. They are currently experiencing a high volume of support requests and appreciate your patience as they work to provide the highest level of support to each customer. We hope you waiting for them as soon as possible. ( XXXX PM ) ( XXXX ) XXXX XXXX : Are you there? ( XXXX PM ) XXXX XXXX : yes ( XXXX PM ) XXXX XXXX : I'm waiting for a response to my question ( XXXX PM ) ( XXXX ) XXXX XXXX : Alright. You'll hear back from them # XXXX. ( XXXX PM ) XXXX XXXX : When? ( XXXX PM ) XXXX XXXX : I need a time, not the statement asap ( XXXX PM ) ( XXXX ) XXXX XXXX : Sure. I'll need to close this chat so that I can forward your information to them via email. They will follow up with you directly! ( XXXX PM ) ( XXXX ) XXXX XXXX : Please keep an eye on your reference # XXXX that they will reach out. Thanks again for reaching out! ( XXXX PM ) *** ( XXXX ) XXXX XXXX left the chat *** XXXX XXXX XX/XX/XXXX did some research and see the are others out there in same situation who are told to wait 180 days for investigation to be processed and even after that they're not getting their money released or a reason why. Day XXXX XXXX XXXX I received this email from Venmo... *** You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi XXXX, Due to several concerns regarding your account activity, we made the decision to permanently restrict your account. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. However, I'd recommend looking over our User Agreement for information on our policies surrounding acceptable use and high-risk activity. You can find our User Agreement here : https : //venmo.com/legal/us-user-agreement/. I apologize that we're no longer able to assist you. Best regards, *** Please Help Me Thank You XXXX XXXX XXXX XXXX | ||||||
| 07/19/2019 | Yes |
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| paypal keeps putting limitations on my account for no reason, first they tried to say that my bank reported suspicious activity & so they froze my account, i called my bank, they said they did no such thing at all, ( and so this is a case of fraud ) and this is not the first time at all that paypal has done this to me and many others for that matter and this was on XX/XX/2019 at XXXX XXXX. and so once i cleared this mess all up, i went back on paypal & told them & entered all the appropriate information that they were asking for & verified my bank account and got an e-mail back stating that my account was unlocked & that the limitations had been removed this was also on XX/XX/2019 XXXX XXXX but unfortunately they lied and i waited all day, day after day & they never ever were and so then finally i contacted an agent from customer service via the pop up chat menu & she said that i had to provide some sort of picture i.d . and all this other non sense & i explained to her & even sent her a copy of the email that i had previously received that said that all the limitations had been removed but they never were & so why are you doing this to me now, it just seems a little bit like some kind of harassment if you ask me & i have already provided my bank info, why do i have to share all that with the rest of the world??? some of us would like a lil ' privacy & don't need every XXXX, XXXX & XXXX on the internet knowing our every last detail & showing up at our doorstep, some of us have children & families, some of us are somewhat famous or what have you & i think we deserve the right to a little privacy & i don't think thats right. but anyhow she insisted that i must show this information or my account would remain blocked and so i told her i just lost my i.d . & sent for a new on in the mail & was waiting for it ( which was true ) and so she said when i got it be sure to enter it on there, but apparently they just didnt like or care for what i had to say about their little program or whatever because as soon as i got it & came back on there to enter it, i got this pop up message basically that i was forever banned from paypal with no hopes of redemption & that this was permanent & could never be overturned. well thats funny cause i never did anything to hurt anybody & i got {$78.00} still locked up in my account there that they just won't give back to me, that they insist they must hold on to for XXXX to make sure there are no charge backs to my account, but i have shown them dozens of times, i have perfect feedback & the people who have made those purchases have been very very satisfied & have left very wonderful feedback representing this & so this concept of any kind of chargeback is just ludicrous & they are just a bunch of money hungry, money grabbing scammers & this whole thing is just absolutely ridiculous & i want my money back now, thank you very much!!! _ " Thanks for confirming your bank account '' XXXX XX/XX/2019 XXXX PM To : XXXX Your PayPal account is Verified and your sending limits were removed Hello XXXX XXXX XXXX Your XXXX XXXX bank account XXXX was confirmed, and your sending limits were removed. Your PayPal account is Verified Now that your account is Verified, you can send payments from your bank account even when your PayPal balance is XXXX. Verification increases customer trust, so thank you for taking this extra step, and enjoy the benefits of being a Verified PayPal member. Sincerely, PayPal Help | Security Centre Please do not reply to this email. To get in touch with us, click Help & Contact. Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX : N/A : XXXX PayPal Customer Support : can you please release my funds, {$78.00} as i have positive feedback & the people were very happy with these items & i would really like to get my money as it would truly be most appreciated thank you. i need this money & i truly did nothing wrong here & there is no real reason for you to have taken my account anyway, but at least release my funds to me, thank you. *** I love the shirt thanks for letting me have it!!!!! Buyer : XXXX ( XXXX star icon for feedback score in between 1,000 to 4,999 ) During past 6 months XXXX : Rock & Roll Over Black T-Shirt Size Large ) XX/XX/2019 {$33.00} *** Wow! Thank you! Even better in person than the photos!?? XXXX XXXX : XXXX ( XXXX star icon for feedback score in between 500 to 999 ) During past 6 months XXXX XXXX XXXX / XXXX All Over Print T-Shirt Devotional Clothes Sz Md ( # XXXX ) XX/XX/2019 {$2100.00} / {$24.00} ********* THANK YOU VERY MUCH & PLEASE RETURN MY MONEY!!! ********** ( Please Release My Money to My Bank Account, Thank You Very Much!!! ****** | ||||||
| 09/20/2022 | Yes |
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| I am filing a complaint against PayPal and XXXX as there was some fraudulent activity on my account. I have provided adequate information and many hours trying to explain the issue and sent them proof. They do not want to leave me acknowledge the fraud and cancel the debt as several other agencies have done. My wallet and phone were stolen on Friday, XX/XX/XXXX in XXXX, TN. There were fraudulent charges on my credit card and money transfers through Venmo, PayPal and XXXX which were connected to my XXXX XXXX XXXX checking account. All of the companies and agencies have acknowledged the fraud except PayPal, so they keep harassing saying that I have a negative {$1200.00} balance. After many hours and submitting multiple documents, I have realized that I need to file a complaint as they will not leave me alone. So here are all the charges and how it got resolved with other companies. The {$200.00} charged to my credit card was cancelled once I made them aware of the fraud. Since I did not have insurance on my XXXX which was less than 1 year old, I had to buy a new {$900.00} phone. All of the money stolen from my XXXX XXXX XXXX was put back into my account, but it just took a while. I will break down charges and how it was resolved. There was a {$700.00} charge to my Venmo account but since that was done by adding my stolen bank card, it was easy to see the fraud, so my bank put back the next day. The XXXX charges of {$2200.00} in two transactions of {$1000.00}, and {$1200.00} took a while but finally at the end of XXXX the bank approved the fraud claim and put the money into my new bank account. It took around 20 hours with multiple calls, providing the fraud department with all information compiled info, and an appeal where I submitted the police report that I filed and a receipt from my cell phone carrier ( XXXX ) that I had to buy a phone out of my own pocket. Finally, there is {$1200.00} in PayPal charges in three amounts of {$700.00}, {$300.00}, and {$200.00} also on the same night that the other fraud occurred. Since I notified my bank the same day of the fraud, they were able to see the fraud and put the PayPal money back into my account. We also transferred all the remaining money into a new account. I also informed PayPal that the charges were fraud but they on three different times in XXXX tried to get that money. It shows three attempted PayPal charges one day and then it gets reversed by the bank within a day or two. On XX/XX/XXXX, PayPal even sent me an email recognizing that there was suspicious activity on my account but that did not stop them from trying to get the money from my bank account. I made another call to PayPal in XXXX reminding them that the transactions were fraud, but they said it is like my normal activity and just insufficient funds. I told them the bank has a case and I have a filed police report about the theft and fraud charges, but PayPal did not care. At the end of XXXX after XXXX XXXX XXXX put the stolen XXXX money back into my account, I called PayPal again to try to resolve these fraudulent charges so I could feel like everything is wrapped up. After over 3 hours on the phone and being transferred to 4 different representatives that they did not want to resolve anything but just wasting my time. They said I made the charges as it was authorized by my fingerprint for transaction which I do not even have that as an option on my PayPal account, another rep told me it was done in XXXX and I reminded him that I live in XXXX, and the last rep told to contact the criminals that stole that money and ask them to put it back. How absurd that he proposed that I reach out to the deviant that did fraudulent on my account and put the money back. I realized that this was useless. Also, PayPal said they are sending my email to XXXX to collect the money. I have been made whole by XXXX XXXX XXXX, but I do not want PayPal, XXXX to contact me about owing them a fraudulent debt and it somehow show up on my credit report. If you need more info or clarification, please contact me. Also, I have provided some documents that I have received showing how the fraud claims have reached a fair resolution by other companies. I think between the bank, phone calls, and online changing all my logins and passwords that I have probably spent over 50 hours over the last 3 months trying to resolve this and make everything related to me safe and secure. It just seems crazy that the XXXX Police Dept, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Venmo have all acknowledged the theft and fraud but PayPal no matter what information or amount of time that I have given them will ever recognize the truth. This is obviously a corrupt business practice which is why I am filing this complaint. | ||||||
| 06/16/2021 | Yes |
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| Around the end of may I started noticing funny activity 's with my credit score and my income tax and also my personal accounts, things that I didn't request or sign up for was being offered to me, I tried to apply for a loan but was denied time an time again which was odd because I had moved my credit score up XXXX point from XXXX to XXXX. So I started figuring that I would get accouns with money establishment and start building my personal stock up, butt then my phone was starting to give me trouble loggi5onto my Paypal account as well as my XXXX XXXX account. I called Pay pal to let them know that I believed that my personal information was compermized, and that illegal activity was going on. PayPal told me I was overreacting and there was absolutely ( no ) activity going on on my account this went on for just about two weeks until on XX/XX/XXXX, I downloaded a business app that PayPal offered me, and I learned that I had been having a lot of transaction taking place on my Pay Pal account but it was crazy because I never received any notification about anything even though I knew I had applied for loan, finiacial aid, XXXX my stimulus payment, they stood fast that nothing absolutely nothing was happening with my account. Then when I called them on the morning of the XXXX it was as if they were just trying to find out exactly what I knew and when they found out that I knew more than they had previously told me they relented a little admitting that a direct deposit had indeed come for me 2 days prior, but then they cleaned it up by saying that if I really needed the check call XXXX XXXX myself an request the check from them with the routing number an account number they provided me with. So I call XXXX XXXX at XXXX in XXXX XXXX and spoke to a female banker who informede that XXXX XXXX had nothing to do with me or the account that PayPal had given me, so I was clearly upset because PayPal told me to call XXXX XXXX in the first ace. So I called PayPal back with one goal in mind to find my direct deposit an to know what bank it was being held in and they ingored my request for this information time an time again. I explained to Paypal that my account has been hacked and that money I'm supposed to receive is in jeopardy because PayPal doesn't send text alert only email which I explained to them I hadn't been getting from them at all. They went back to saying they had to trace the deposit and I would have to wait XXXX business days before the funds would be allowed into my account. At this point I go back and ask them can they move some of the money that I have in cryptocurrency for me an give me cash that way they then said there isn't any money at all in your account and that there hasn't been any transactions happening in my account. But the phone aren't called smart phones for nothing XXXX has XXXX ads an it taylored made to my likings an what I've been doing with my devices memory, again they say impossible, until I tell them I have card link to my account that are not showing up in transaction or anywhere else for that matter, an that I found a bill I'd showing that there was a sale or purchase on my account, that I didn't make. But what made them pause an start putting me on hold an talking non-stop was when I told them I got screen shots of all of what I'm talking about. And I checked the accounted where in my name .All along I just ask one thing from Paypal and that was to protect me and they responded by saying it wasn't there fault, they didn't give out my pass word, an I do agree with them but you mean to tell me in XXXX they can't see any activity but, even the automated service told me they. ( PayPal was putt my recent tran on hold so that the receipent could have to decide if they wanted a hthr product or not ) But that XXXX because they told me no activity could be found on my account except The XXXX $ that PayPal gives new customer for opening up a account with them. Now as I write this report my pay pal password has been changed multiple on this very nite ( XXXX ) I have more proof than the law should allow when it comes to this, I'm currently placing my loses over XXXX. And over half is from paypal as international transaction have been taking place an loans have come into my account with paypaland they never notified me of anything. I want the scheme that pay pal is running with my account to be completely shut down an I want reimbursement for my fund an also the find sim going to have to payback from all the purchases an loans an international transaction PayPal has allowed to take place in my account. Note I do have screen shot of account numbers, card numbers, banks, an overseas addresses an number of vendor trying to get ahold of me to continue business | ||||||
| 10/29/2020 | Yes |
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| On XX/XX/2020 I made 2 purchases and completed payments to XXXX XXXX XXXX XXXX Limited for a couple of what was supposed to be a couple of XXXX XXXX XXXX XXXX and had made 2 separate purchases so I could have 1 sent to me and one sent to my son. When we both received the items they were not even close to being a toolbox but instead just being a little tiny screwdriver and so I had made a dispute with PayPal to dispute both transactions at the same exact time and provided the same information to PayPal for both transactions when they asked me to provide the information. I did it in a timely manner when they asked and exactly what they asked for as well as filling out some federal form for a fraudulent activities thing a CP3 form of some sort and sent into them but they failed to put the information in on both cases they only did the one and so they only gave me credit back on one of my cases instead of both of them. So when I brought this to their attention they just kept telling me did they gave me my refund back on that one purchase as I kept trying to tell them I had two disputes for that same company they were not understanding and every time I tried to redispute it they just kept closing the case without letting me refile all the information nor did they even ask me for any more information on the dispute that I was trying to get fixed I had gotten very upset with them because all they do is message and they will not call nor can I get a hold of them anyway by phone to try and explain to them what is going on when I have tried to get them to call me they have failed and they have now cut me off to talking to them and now they will not even respond to me nor will they give me the option to send the item back to get my money back and they know that this company has been scamming millions of people around the world on the same exact thing and on many other things. if you look up XXXX XXXX XXXX and XXXX it they will tell you they have been scamming people all over the world. PayPal knows this and they have more information on them than I do yet they continue to tell me they will not give me my money back for my dispute when they gave me the money back for the other one that I had sent to my son 's house even though I provided the information to them from the transaction on the one that I had sent to my house which doesn't seem right at all when they should have given me the money back for the one that I had sent to my house instead of my son 's house. I feel I have been very mistreated and completely thrown aside by these guys like they don't even care. When I managed to finally get a hold of a manager they acted like they would put the dispute through again and ask me for more information on them but they never did they just turn around and close the dispute then very next day without even asking me for any more information and now I can not even get a hold of them by text or by phone. I have been messaging them and messaging them with no reply. the only time I got reply back was when I started swearing at them telling him to pull their heads from their rears and read my messages and telling him how I felt about them not reading my messages and I feel like they were just completely not caring about what I had to say and they didn't even care about my transaction that I was trying to dispute. They just kept referring to the dispute that I had already closed in my favor not the one that they closed in their favor which I had plain as day given them all the information as well as photos emails confirmations and everything that I received and got as far as the item and the money that I sent them and all the emails back and forth from me to them saying that they would not give me my money back and now I'm to the point to where I feel like I need to be compensated and I would like to sue these guys for complete disregard of their consumers an abuse of their consumers money because I'm pretty sure that they are getting the money back from all of these transactions from XXXX XXXX XXXX and I would like that to be at least investigated by a federal company that can look into their business and make sure that they aren't getting money back from all these companies and not giving it to their consumers but denying their disputes as I know they have all the information they need to get their money back. I don't see how they would give me my money back for one transaction and not the other as they were both made at the same time and disputed at the same time and both cases were supposed to be worked at the same time. I have a transaction number and it is transaction ID : XXXX. THAT IS MY TRANSACTION ID NUMBER FOR PAYPAL. MY INVOICE ID IS : XXXX XXXX the total on it was for {$29.00}. | ||||||
| 06/09/2020 | Yes |
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| I sold a handbag through XXXX on XX/XX/2020 in the amount of {$1300.00} + {$50.00} for shipping and handling. The handbag was sent with package insurance, delivery confirmation, and signature required upon delivery. The handbag was received and signed for by the buyer on XX/XX/2020. This information can be confirmed by reviewing the XXXX XXXX Number : XXXX On XX/XX/2020, almost a month later, I received an email from PayPal stating the following : We are writing to let you know one of your buyers opened a case for this transaction. The buyer didn't receive a refund or credit. Here are the case details : Buyer 's name : [ Redacted ] Buyer 's email : [ Redacted ] Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$1400.00} USD Disputed amount : {$1400.00} USD Upon receiving this email, I reached out to the buyer with the following email on XX/XX/2020 : To : Buyer Good morning, I haven't heard back from you but I got a notice from PayPal that you filed for a refund on this bag. I have responded to PayPal and provided proof that the product was delivered to you and that you received and signed for it. I have also attached proof of delivery and signature from XXXX. Please respond to this email and let me know what's going. Thank you! I received a response from the buyer on the same day, XX/XX/2020 : Hi sorry this should have not related to you. It is for adjustment to making change of the finance terms with PayPal credit for this transaction only. Per discussion with PayPal credit the finance term maybe able to be adjusted. I will call them and clarify with them. Thank you I subsequently received the following email from the buyer on the same day, XX/XX/2020 : BTW I really like the bag and it is very pretty. Again sorry about the notification you received. I messaged PayPal not this is not a refund request and bothering to do with seller. Will call PayPal credit today too. Thank you I subsequently received the following email from the buyer on XX/XX/2020 : Happy Saturday! I was surprised too when I saw that there was a dispute. Good that it has been clarified after contacting PayPal credit. They were sorry about it too because it should not be dispute, instead should be the financial term adjustment. Thank you very much for contacting me tho! You and your family stay safe and healthy too! I just left a feedback for this transaction. If you have some can you also leave feedback as well? Thank you again! More than a month later, on XX/XX/2020, I received the following email from PayPal : One of your buyers opened a case for this transaction. This means the buyer has asked their financial institution to reverse the money for this transaction. We want to help you, and we are disputing this case with your buyer 's financial institution. Here are the case details : Buyer 's name : [ Redacted ] Buyer 's email : [ Redacted ] Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$1400.00} USD Disputed amount : {$1400.00} USD {$1400.00} USD has been debited from your PayPal account because of the following reason ( s ) : This chargeback type was not covered under Seller Protection. In addition, you have been debited a {$20.00} USD chargeback fee. I have tried calling PayPal on 5 separate occasions, and have emailed them on three separate occasions regarding this issue. No one is picking up the phone and I am unable to get a response from a human via email ( only automated messages ). I reached out to the buyer again on XX/XX/2020, and got the following response from her : Really Sorry about this. Let me contact both PayPal and PayPal credit again. They are so wired ... I have called PayPal credit three times and last time they agreed this is not dispute and resolved. Thank you Subsequently I got another email from the buyer on XX/XX/2020, stating the following : I called PayPal but it says dust to COVID-19 no customer service line and ask me to use the message and I left message. Please see below. Not sure if it would help but can you forward this screen shot below to The PayPal Email you received. Neither myself, nor the buyer, is able to get in touch with PayPal via phone or via email, after numerous attempts over the past few months. PayPal has incorrectly debited {$1400.00} USD + a {$20.00} chargeback fee from my account. The buyer has agreed on numerous occasions that she is not disputing the transaction with me. She is attempting to adjust the financial terms of the transaction with PayPal because she purchased the product through a special PayPal Credit offer she received from PayPal, to make the purchase. | ||||||
| 04/26/2018 | Yes |
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Web | Older American |
| I submitted a complaint about XXXX/PayPal and was informed that I had to file a separate complaint against each organization. So I elected to have that complaint ( XXXX ) for XXXX since they are hounding me for money that I dont own them. The following complaint, although the same as my original, is specifically for PayPal. I am having my money stolen by the XXXX/PayPal combine. While they are probably acting within the letter of the law, Im confident that the experience of the CFPB shows that that does not preclude dishonesty and theft. When you sell an item on XXXX and you are told that the buyer has paid, you appropriate out of pocket cash expenses for postage and packing materials, but they then withhold your funds for your own protection. After that period has passed purchases from the required linked PayPal account are easy, but getting them to send you your money is often impossible. They refused to send money to my regular XXXX XXXX address. I live in a rural area and do not have home delivery. The mail sent to my physical address goes to a group mailbox at the bottom of a hill, accessible only by car. That box has limited capacity, gets wet when it rains and is subject to theft. And since I am retired with some health problems and dont pick up my mail on a daily basis I maintain a XXXX XXXX which I consider rational behavior given these circumstances. My local post office has told me that I shouldnt maintain two addresses which I fully understand and have been changing addresses to my XXXX XXXX XXXX However, PayPal has refused to mail me my money to a XXXX XXXX without going through an elaborate procedure which included faxing them documents. I dont have a fax nor should I be required to have one to sell some old junk on XXXX. So I was forced to violate the post offices valid request and have maintained my non XXXX XXXX mailing address. And while I did get them to send me one check, they flat out refused to send me a second check to that same address! After about a wasted hour on hold and in conversation they still refused because I couldnt answer questions such as my ex-wifes birthday month. Candidly, that prior marriage was an unpleasant experience and I have understandably blocked out/forgotten such details. ( You certainly have no right to privacy with them ) So they have clearly stolen this money from me. To send you your own money they charge you {$1.00} per check. This is their incentive to coerce you into linking your PayPal account to your bank account which I have refused to do. But they have without my knowledge linked my PayPal account to my primary credit card and have been charging me various fees without any notice of any sort. They flatly and repeatedly refuse to tell me what these charges are for except to say that I owe them this money. Of course, I contacted the credit card company and objected to these charges. Then I went onto the PayPal website and removed that credit card. But the next time I went unto their website they had, without my knowledge, linked my PayPal account to my secondary credit card which I could not remove. This is also, like the funds withholding, another example of blatant theft. Along with the above cited abuses, XXXX/PayPal is structured as connivers, not service providers. When you list an item there is usually no fee, but when you relist it fees sometimes occur and sometimes dont. Their calculations of shipping charges are often inaccurate and sometimes they demand you state a shipping price with your listing and sometimes they dont. When questioned about these and other quagmires, they always refer you to their rules. These rules are voluminous and ever changing with long emails notifications of constant changes. Any attempt to master them requires time sufficient to abrogate any profit from sales. PayPals monthly account statements obscure an accurate picture. They are the strangest accounting format I have ever seen. XXXX software is often incomprehensible ; its goal appears to be obfuscation. A very zealous buyer emailed me about buying two items with one shipping charge. I spent a few hours on their site trying to structure this reasonable arrangement within their rules, found it impossible and lost the sale. But they were still making money by withholding my money and their unexplained charges to my credit cards. Since its apparent that they will keep stealing I tried to close these accounts but they wouldnt let me. Is there anything within your regularity power that can assist me here and also help others victimized by their abuse? Thank you for your attention to this matter, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX PS : I have a 100 % satisfaction rating from XXXX customers | ||||||
| 11/06/2022 | Yes |
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Web | Servicemember |
| This is my third complaint request. The company never intended to return our money even after all these attempts to reach them, PayPal, or XXXX. Previous Complaint XXXX. Below is the information already submitted in closed complaint XXXX. We are now requesting you investigate PayPal. Per XXXX, PayPal was supposed to refund the restocking fee of {$200.00} to XXXX XXXXXXXX XXXX XXXXXXXX PayPal account, and the balance to my account of {$4400.00}. Paypal sent the full refund to Another Company : XXXX XXXXXXXX XXXX XXXXXXXX. We did not have any association with this company and refused to pull it back and refund us. To date we have not received anything from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has also informed us that XXXX XXXX XXXX XXXX is not them and they have no association with them, and XXXX XXXXXXXX XXXX XXXX has not been in business in years. And we are trying to find out what options we have. We were told PayPal does not have a statute of limitations on refunds. Can you please review this issue with PayPal for the full amount of {$4600.00} or even the less of the restocking fee of {$200.00} leaving our refund to be {$4400.00}? The PayPal account is under XXXX XXXX XXXX. The email is XXXX. I am hoping you can help me in recouping my funds from PayPal. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and PayPal shows no transfer back to XXXX or my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in anyone 's favor. PayPal advised they had ruled in ours but because we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been ongoing since XX/XX/2021 and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part, Paypal should refund {$200.00} for a restocking fee to seller XXXX XXXXXXXX XXXX XXXX and the remainder of the {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}, PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/2021 and they no longer have our money and that XXXX Has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the seller. In speaking with the seller they advised that their Bank is still in Deficit the full amount. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything else please contact me. Previous Complaint details : I am hoping you can help assist me in recouping my funds from Pay Pal / XXXX. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and Pay Pal shows no transfer back to XXXX or to my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in any one 's favor. PayPal advised they had ruled in ours, but because we we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part PayPal should refund {$200.00} for a restocking fee to seller XXXX XXXX and XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/XXXX, and they no longer have our money and that XXXX has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. I am attaching documentation from XXXX, as well as the conversation between XXXX XXXX and XXXX and I. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further. | ||||||
| 06/02/2017 | Yes |
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| On XXXX XXXX XXXX, I received an email from PayPal stating that my account was permanently closed and that I could no longer use PayPal services. In addition to my privileges being revoked from PayPal, the company is holding {$560.00} for a total of 180 days. My initial step was to contact PayPal in hopes that this was in error. However, they explained to me that it was in deed intentional and they may choose to close accounts and hold money at their discretion. After numerous attempts to retrieve my money and still remain a customer with PayPal, I learned that they were not will to reverse their decision. It was then explained that I was a risk, and they felt that at anytime a customer will fall victim to me. However, I am the one who fell victim, as none of my customers have been scammed by me. I have been faithful and has displayed complete integrity with my customers during every exchange/transaction. The chain of events began on XXXX XXXX XXXX, when I tried to complete a bank transfer for the amount of {$560.00}. I kept receiving an error requesting extra verification before I could complete my transfer. I complied with the request and uploaded personal documentation such as my social security number onto their website. This seemed quite strange to me and made me rather uneasy, so I decided to contact PayPals customer service team. I spoke with a female representative who assured me that my information was safe with them and that I should have no worries. She went on to explain that PayPal would charge my debit card on file {$1.00} and there would be a verification code next to the charge for me to enter on PayPal. I followed through with those steps entered the verification code as soon as it appeared on my transaction history. The {$1.00} charge was then refunded as PayPal promised. This was explained to me as another method of verification without providing them my social security number. It seemed as if everything was going smooth and that I would be well on my way to completing my transaction. Moving forward, on XXXX XXXX XXXX, I logged into my PayPal account again and noticed that I was required to upload more documents for verification purposes that included a photo identification, proof of address, proof of invoices, and more. Once again I complied by doing exactly what I was instructed do. However, I also contacted PayPals customer service team to confirm that the documents that I would soon upload would be sufficient. I was assured that I was heading in the right direction and that everything would be fine once they reviewed the documents. So, XXXX XXXX XXXX, I finished uploading the documents and was notified that the documents would take anywhere between 2 4 to 48 hours to review. However, a few short hours later, I received the troubling email that I described earlier. At this point, I am troubled and I couldnt understand what I did wrong. I am a young XXXX XXXX who started a XXXX business and referred all of my customers to using PayPal as a safe method to operate my business. Ive provided tracking numbers to customer orders as well as receipts in their shipments. After trying to contact PayPal and speak to higher up people within the company, no one could give me a legitimate explanation as to why my PayPal account was closed and why I could no longer use PayPal. The only reasoning Ive gotten from the representatives and supervisors were that I was a high risk to their company, due to my XXXX business and therefore they shut me down. After speaking to numerous supervisors, I finally spoke to one that offered a little relief. He agreed to change the holding period of my money from 180 days to 90 days. I agreed, although I still believed that to be excessive. So, I began my own research and learned that situations like this was not unique to me, as PayPal has made this a pattern with several individuals who operate their business through this company. Their pattern is, they will close a customers account, hold their funds, and provide no explanation why. I was told by one of the representatives that he was not at liberty to provide me with any form of an explanation, I feel as if I have been done an unjust disservice. I have never, nor did I have intentions, to conduct any activity that would threaten my business and lose the trust of my clientele. However, I am a screeching halt, unable to provide my customers with the product ( XXXX ), that I have been for an extended amount of time. {$560.00}, is a vast amount of money for an XXXXyear-old XXXX XXXX, who found a way to make additional money to assist with his XXXX financial obligations and of course, a little money for pleasure. | ||||||
| 06/13/2022 | Yes |
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Web | Older American |
| XXXX XXXX XXXX RE PAY PAL >>> I DISPUTE THIS AMOUNT <<< Hello this is regarding my nightmare with PAY PAL. I will try to be brief. I ordered shoes from XXXX. I chose Pay Pal as my method to pay. Next button was Submit - so I clicked - and as I did, I saw that PAY PAL had submitted the shipping address.!!!! >>>>>>. An address I had not used in YEARS a friends address. My friend had sold her home years prior. So - my shoes are now set to be sent - at the direction of PAYPAL to someone I dont even know!! I tried in vain to edit the shipping address via the XXXX website. Their website allowed no way to edit. A shortcoming on the part of XXXX I finally enlisted the help of a friend in the USA ( yes - I am a USA citizen/ but I have lived in XXXX these past years on my social security as I can not afford to live in the USA ) My friend made many calls and finally got through to a XXXX supervisor - who said she could not stop the shipment!! but that when it reached its destination she could have it grabbed from the dock and returned to XXXX. So - I told my friend to have her do this. My friend also tried to call PAYPAL but was unable to speak to any human being on my behalf. Then I realized that paypal was still going to send payment to XXXX. I continued to try to reach PAYPAL to remove that old shipping address. No way to speak with a human Only AI / Computer generated auto-responses. I spent many many hours, trying to communicate with PAYPAL. All I got were computer responses from PAYPAL. meanwhile - Paypal was about to pay XXXX per my original order the one in which PAYPAL submitted the WRONG ADDRESS!!!!! So - I think this all took place within XXXX hrs or maybe within minutes!!!.. I contacted my XXXX bank to stop the payment to PayPal. At the same time I guess.. PayPal paid XXXX And XXXX nabbed the shoes and issued me a refund.. It all took place within hours but because I had no way to speak with a human being at PAYPAL I couldnt fix it .. Or remedy it in any way. I was and completely willing to pay them the money that I owe but I wanted a HUMAN BEING to assure me that that old defunct shipping address - was out of their system and that this would NEVER happen again. AND - after receiving nothing but Computer generated auto responses- I decided to just pay - But THEN when I tried to log into my PAYPAL account - I found that can not even access my account any more!!! So there was no way to pay them!! Again I tried to communicate via email that I couldnt log into my account - to pay but all I got was computer auto responses. NO HELP. I wrote many emails to PAYPAL. Im poor I can not afford to phone an XXXX # and sit on hold for what very well could run up an international phone bill of more than the {$110.00}. I have copies of my emails with paypal I was totally willing to pay them the {$110.00} I simply wanted a response from a HUMAN not a computer. Nothing Meanwhile- A few months later, a service that sells occasionally, my art deposited into my PAYPAL account XXXX sales. I seldom sell anything so this was a surprise! See these dates : deposited from XXXX XXXX into My PayPal account. ( an account I can not even long into any more. ) {$50.00} on XX/XX/2021 AND {$4.00} on XXXX XXXXXXXX XXXX So the total amount of {$50.00} was deposited into my Pay Pal account by XXXX XXXX XXXX So {$110.00} that I owe, less the XXXX XXXX deposit amount of {$54.00} - comes to NOW only >>>>>> {$55.00} TOTAL AMOUNT that I owe to Pay Pal <<<<<<<<<< I really would like to get this behind me- and hope that this fiasco can be closed. I do want PAYPAL to show evidence that the OLD SHIPPING ADDRESSES used over the last decade have been removed- so that this will NEVER HAPPEN AGAIN. I have been unable to correspond with a Human Being at PayPal. I will then send a check to you to clear this up. {$110.00}/ less the {$54.00} from XXXX XXXX comes to {$55.00}. This is what I owe to PAY PAL. XXXX has no postal service!! I can write a check and send it along with a person flying to the USA who will then mail it for me. What a mess. Thank you for taking the time to weed through all of this. I have spent HOURS AND HOURS trying to deal with this- with PAYPAL since the order was placed last year. Im almost XXXX years old. It is not easy. Thank you again. NOTE XXXX I use my son 's address. I have been living in XXXX because I can not afford the USA and XXXX XXXX there XXXX ( sorry ) -- - so - he brought me the letter from the XXXX XXXX regarding pay pal. XXXX has NO POSTAL SERVICE!!! you can XXXX to see this is true -- so I have no way to mail anything ... unless I send it with someone flying up to the states... | ||||||
| 12/21/2021 | Yes |
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| I run an e-commerce store ( XXXX ). I had PayPal as a transaction method through my store. PayPal was at one point good for my store for it bridges the trust between the seller and the customer. XXXX was a brand-new store on the World Wide Web selling popular quality/nice products and PayPal gave it the extra boost it needed. On XX/XX/XXXX they abruptly banned my account with NO prior notice, leaving thousands of dollars I desperately needed, locked in the account for 180 days/6 months ( Please see document PHOTO 1 ). After calling a PayPal customer service representative multiple times, I got the same promise of being able to retrieve my money after 180 days. Let this be said each time I called regarding this scenario it was always met with a very undermining tone as this type of scenario is called in a lot, even smirky attitudes when asked if you want to be directed to a supervisor. The ban comes with no merit behind it, as I provided the information of orders being purchased and shipped. There arent even refunds/complaints from my customers to give them any right to ban the account. The ban was out of the blue and hurt me mentally. My credit card bill was supposed to be paid off with that money in PayPal and I could not wait half a year to pay my debt off. My credit card was filled with business expenses ( XXXX ads, buying video ads, purchasing and shipping the product, XXXX fees, returns and labour ). I afterwards had to use my own personal investment that was planned for the long term to pay off such debts. This being said, PayPal continuously sent me emails during the time my account was banned on my dispute rate rising. Dispute rates are significant because after you have reached 1.5 % dispute rate, your account will have additional fees for it will be in a high dispute tier due to so many disputes directed to your account. MY ACCOUNT WAS BANNED, how could I have gotten any disputes when my account wasnt active. If there was a dispute from a customer regarding the product, that would be brought to my attention as I would be the seller ( Please see documents PHOTOS 2 4 ). At the top of the photos, you can see the date the ban started XX/XX/XXXX. I found that very suspicious of PayPal, a simple XXXX search and you see thousands of other examples/scenarios just like mine. Where they ban your account for 180 days with money in it, gain interest off the money being locked in your account, just before the 180 days are over, PayPal sends the money to their own account. I had good faith and wishful thinking that after I finished my 6-month probation that my funds would be readily available to me, I was wrong .... 6 MONTHS LATER I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages ( Please see document PHOTOS 5 9 ). They even had the audacity to take it a month before the 6 months was over. There was no damage to PayPal and I know their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard-earned money. PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business either. Copyright infringements and trademark violations stated by PayPal are nonexistent. PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. All disputes with my customers have been already resolved ( which were 0 ) and the remaining balance was my hard earned money. PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached ZERO! I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust act. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was scammed by PayPal and I want to make a small claims about this corrupt act done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. | ||||||
| 11/11/2021 | Yes |
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Web | Older American |
| I opened a Venmo account on XX/XX/XXXX to make a {$540.00} payment to a friend for four XXXX football tickets. The Venmo app setup required that I log into the mobile app for my bank account to complete this transaction by automatically synching with the Venmo app, which I did. I was notified soon after that the payment transaction to my friend was successfully completed, however, when I checked my bank account activity over the next few days, there were no signs of this transaction. On XXXX I received the following notice from Venmo customer support : XXXX XXXX ( Venmo ) XX/XX/XXXX, XXXX AM XXXX Hello, Im so sorry to hear that your account is frozen and I understand the urgency of being able to use the account to the fullest! My name is XXXX from Venmo support. Rest assured that I will check where this issue is coming from. Your account is frozen because we couldn't recover funds for the payment of {$540.00} to XXXX XXXX XX/XX/XXXX. Venmo successfully sent the funds to the intended recipient, but couldn't debit the funding source selected, which was your bank ending in XXXX. Before the account can be unfrozen, you'll need to pay Venmo back {$540.00}. You can find more information and settle this unrecovered payment by following the prompts in the app. Tap Restore your account to get the process started. Alternatively, you can settle the payment by using a computers browser to visit venmo.com/recover. You can use either a debit card or bank account to add money to Venmo and unfreeze your account. A debit card payment ( if successful ) will unfreeze immediately. A bank account payment may take up to 5 business days to process ( if successful ) before your account is unfrozen. It is also worth noting that you'll receive an email when your account unfreezes. Please note : Any payments you receive before initiating repayment to Venmo will be applied to the money owed. If the payment is equal to or more than the money owed, your account will automatically unfreeze. If you receive a payment after you have initiated repayment, the repayment transaction will have to complete before any money is recovered from your Venmo account. If you have any questions regarding this process, please let me know. If you have any additional questions, please let me know! Best, XXXX XXXX | Venmo Support # 1. I did not request to have my account to be unfrozen, nor at this point do I wish to trust my bank account details to this risky service. I want to pay off this debt, but I refuse to use this unreliable service to do it! # 2. I do not have any bank accounts, nor debit or credit cards, ending in XXXX as indicated in the letter above. That account number was acquired in error by their process, not mine! # 3. Venmo unsuccessfully synched with my actual bank account but transferred funds to my friend anyway. # 4. I have offered to pay this legitimate debt with cash, check, money order or credit card ( which Venmo has on file ). All of those payment means have been rejected by Venmo customer support. # 5. Venmo refuses to accept payment through any means except an active Venmo account, which under the circumstances, I refuse to activate ( they are essentially trying to force me to use a service which has already failed me once before! ). # 6. The most recent solution offered by their customer support team is the ridiculous proposal below ( basically borrow money from a friend and drag that same friend into this mess created by Venmo! ). # 7. At this point, I feel like Venmo is simply trying to extort this situation to force a former customer to reactivate their Venmo accountI want to pay my debt, but I refuse to become a Venmo customer to do it! XXXX XXXX ( Venmo ) XX/XX/XXXX, XXXX AM XXXX Hi XXXX, Thank you for reaching us, I'm XXXX from Venmo Support and I will be glad to assist you regarding your account. We are really sorry you are passing through this situation with the bank account tied to your Venmo, we know how concerning it can be! XXXX, we appreciate for letting us know about your experience and we apologize for the inconvenience this has caused you. Since you don't want to add your bank account, which is understandable in this situation, and we can not recover a debt using a credit card or a check, I personally recommend you receive a payment from a friend with the same amount. This will recover this payment and unfreeze your account. I know you don't want to unfreeze it but that will be the solution for this issue. Again, we truly apologize for this experience and the inconvenience this has caused you. Please, let us know if you need anything else! Kind regards, XXXX P | Venmo Support | ||||||
| 01/04/2021 | Yes |
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| XX/XX/XXXX is the date of the transaction. A {$25.00} payment was sent to the wrong person/account at Venmo an online currency company. The wrong account is @ XXXX this is where I sent the money. The correct account is @ XXXX. I was able to chat with venmo rep XXXX XXXX and she stated in an email that all she needed was the payment could be redirected with the following info ( see copied email from XXXX XXXX. Here is a transcript of your recent chat with Venmo ( ticket # XXXX ). To add additional comments, reply to this email. XXXX XXXX ( Venmo ) XX/XX/2021, XXXX XX/XX/XXXX CST Hi XXXX, This is XXXX from Venmo Support! We spoke earlier regarding a payment you sent to the wrong person. Kindly provide the email address so I can further assist you in having this reversed. If you have any additional questions or clarifications, let me know and I will assist you. Stay safe! Best, XXXX XXXX | Venmo Support I lost contact with XXXX XXXX due to a time lapse/expired session. A person named XXXX XXXX got involved on the 2nd chat attempt and told me the opposite of what XXXX XXXX had told me. ( See email from XXXX XXXX ) Venmo Customer Support Here is a transcript of your recent chat with Venmo ( ticket # XXXX ). To add additional comments, reply to this email. XXXX XXXX XX/XX/2021, XXXX XXXX CST Chat started : XXXX XXXX XXXX UTC ( XXXX XXXX ) XXXX XXXX : I paid the wrong person plz help ( XXXX XXXX ) Team Venmo : An agent will be here to help soon. In the meantime, can you please let us know : ( 1 ) the username/phone number/email address of the person you meant to pay, ( 2 ) the date and amount of the payment, and ( 3 ) the username of the person you paid by mistake? ( XXXX XXXX ) Team Venmo : To make sure you see our response when an agent is available, please enable your push notifications for Venmo. On XXXX, you can enable your notifications by opening your phones Settings > Apps & notifications > Notifications > Venmo. ( XXXX XXXX ) XXXX XXXX : @ XXXX. {$25.00} paid today. wrong person/ @ XXXX . ( XXXX XXXX ) *** ( XXXX ) XXXX XXXX joined the chat *** ( XXXX XXXX ) ( XXXX ) XXXX XXXX : Hi, thanks for contacting Venmo! I'm happy to help out. Please give me a moment while I take a look at your account. ( XXXX XXXX ) XXXX XXXX : XXXX can you call me at XXXX?? ( XXXX XXXX ) ( XXXX ) XXXX XXXX : At this current time, our phone service is unavailable. I am happy to continue assisting you here via chat! ( XXXX XXXX ) ( XXXX ) XXXX XXXX : Hi are you still there? ( XXXX XXXX ) XXXX XXXX : okay can we get it done I don't have much longer ( XXXX XXXX ) ( XXXX ) XXXX XXXX : For this as i have checked the account the person you intended to pay owns the account i suggest to let the recipient contact us so we can reverse the amount or transfer the funds to the right account. ( XXXX XXXX ) XXXX XXXX : @ XXXX was the intended recipient. XXXX is the phone associated with the account ( XXXX XXXX ) XXXX XXXX : the mistaken payment was given to XX/XX/XXXXXXXX. I forgot to enter the XXXX at the end ( XXXX XXXX ) XXXX XXXX : I am the person that made the mistake I am the person sending the money you don't need to contact the person to reverse or send the money to the right account I gave you the correct information of where I want to send the money please do it now ( XXXX XXXX ) ( XXXX ) XXXX XXXX : I am sorry but we can only reverse payment with the recipient request. ( XXXX XXXX ) XXXX XXXX : that makes no sense I sent the money to the wrong person I need to fix it and send it to the correct person check my account XXXX contacting the federal agency in reporting venmo no joke now please ( XXXX XXXX ) XXXX XXXX : there is no recipient request I sent it to one of my daughters friends at their request via text message to me they did not request this on venmo ( XXXX XXXX ) ( XXXX ) XXXX XXXX : I do apologize for this XXXX but that the only option that we can do. ( XXXX XXXX ) ( XXXX ) XXXX XXXX : Looks like I lost you - I'm going to close out this chat now. If you need anything else from us, just reply to the email you receive when I close this conversation. Have a wonderful day! ( XXXX XXXX ) *** ( XXXX ) XXXX XXXX left the chat *** THIS EMAIL IS A SERVICE FROM VENMO. Venmo Customer Support The XXXX XXXX XXXX above is telling me that unless he hears from the recipient? see below comment, ( XXXX XXXX ) ( XXXX ) XXXX XXXX : I am sorry but we can only reverse payment with the recipient request. I do not know who the recipient was or is, the account address is admittedly wrong as I stated above. This is some what disturbing wouldn't one think? My contact info is XXXX/email ... XXXX XXXX XXXX XXXX | ||||||
| 02/10/2021 | Yes |
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| I apologize that what follows is somewhat long, but I promise that I will get to the issue that brought me to you guys before this explanation is over. On XX/XX/2021, Venmo contacted me that my account had been frozen, without providing any reason for doing so, and on XX/XX/2021, XXXX XXXX XXXX full last name is not revealed ) contacted me stating that : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. I opened a XXXX XXXX XXXX complaint at that point, requesting a full and unconditional restoration of service, and I following with with Venmo to ask why I had been terminated, as I did not believe I had violated the TOS. In responding to my follow-up, XXXX XXXX responded : " We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. As stated in our User Agreement, if we determine, in our sole discretion, that you may have breached our Terms, that you or your Account activity present risk or security concerns, we may take actions to protect Venmo and our users. So at this point, I asked them to completely purge my personal information from their systems, and updated my XXXX XXXX XXXX complaint to reflect that. My request was sent to XXXX XXXX of Executive Escalations at PayPal. Her response was as follows : " To prevent customers from creating new Venmo accounts, we are declining your request to remove your information from your Venmo account. '' After further follow-up from me, Venmo is now arguing that theyre required to maintain my data. However, given that this statement is quite different from Ms. XXXX 's earlier statement, this strikes me as unlikely the real reason. It's more likely indeed the initial response Ms. XXXX gave, that maintaining that data is a convenience to Venmo. The prevention of signing up again was also the reason Ms. XXXX gave the XXXX XXXX XXXX in responding to my complaint. This is why I've come to file a complaint with the Consumer Financial Protection Bureau about security of my personal financial information, as well as the personal financial information of anyone on that uses Venmo. This practice can not be acceptable. At its core, this entire situation is a company providing a service that requires a considerable amount of personal data, using secret reasons to terminate service, and then using that as a pretext to maintain that personal data. Consumers should not be forced to allow a company to maintain their personal data ( solely for the convenience of the company ) when that company has decided to terminate a relationship, since by electing to terminate that relationship and deny continued use of service, they are forfeiting any permissions previously granted to them for the use of that data. At the very least, such a company should be required to provide explicit quarterly disclosures stating that they will maintain your personal private information in the case of a termination, so that consumers can make an informed decision as to whether or not they want to maintain that relationship themselves. I have attempted to persuade Venmo to voluntarily remove my information or allow me to cure any issues they felt were present in my profile, but they continue to decline both, and at this point, the discussions have broken down. In Venmo 's opinion, my personal data should remain on their servers and be at risk of hackers accessing it and be at risk of financial ruin simply to serve as a convenience for Venmo. If people want to take their personal data off of a website, they should be allowed to do so. They shouldn't be forced to forever wear the risk that Venmo 's security isn't good enough and that their data is hacked and they're not in a position to protect it because their service was terminated. This is why I'm now asking for regulatory intervention, because I can not believe that a practice that effectively steals private information and hides behind secret pretexts is in line with any existing financial regulation. | ||||||
| 07/02/2019 | Yes |
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| I submit this complaint against Paypal , Inc. for not releasing funds legitimately deposited into my account, failing to provide a reason for doing so, failing to communicate and respond to my efforts to provide any additional information required, and failure to implement policies and procedures allowing for consumers to register complaints about such behavior and/or to expeditiously resolve such consumer complaints. On XX/XX/XXXX, I received a legitimate deposit in the amount of {$14000.00} in my Paypal account ( Account e-mail : XXXX ) from XXXX, XXXX. XXXX, XXXX. Is a daily fantasy sports wagering provider that is widely known, licensed in most U.S. states, and is a partner of PayPal. Since XXXX, I have almost exclusively used PayPal to deposit and withdraw funds from my XXXX, XXXX. account. In other words, such transactional activity between my PayPal account and XXXX, XXXX. is routine and not unusual. In fact, on XX/XX/XXXX, I received multiple deposits into my PayPal account totaling over {$17000.00} and fairly quickly transferred those funds into my personal bank accounts, all of which have been on file with PayPal for more than 10 years. XXXX, XXXX. abides by Federal requirements to identify customers and issues tax documents to its customers. It is worth noting I have had this same PayPal account for 17 years. The XX/XX/XXXX deposit registered in my PayPal account around XXXX XXXX EDT. The full amount was listed as available for transfer on my PayPal account dashboard. I made several efforts to transfer {$13000.00} to my personal bank account that were unsuccessful. The PayPal system would only tell me that they were unable to transfer to my personal bank account at that time. I contacted PayPal customer service, which apparently routes to an offshore location. The individuals I spoke with at this location were both uninformed and extremely unhelpful ; I conclude they are not expected to be helpful in these situations. The first representative told me to try to transfer a lower amount, like maybe {$1000.00}, because the daily limit was {$5000.00}. I know this to be factually inaccurate because I transferred as much as {$8000.00} on two occasions in XX/XX/XXXX. I asked him if the daily limit was {$5000.00} to one bank account or cumulatively and he could not provide an answer. Then, he told me that the system had placed a security block on my account and to try again later. After waiting an hour, I again contacted customer service, which also routed to an offshore location and resulted in the same frustration. This customer service representative had even less familiarity with the PayPal system and was rude. When she told me that there was a security block on my account, I explained that I was familiar with such systems because I had spent 20 years in U.S. Federal law enforcement and time as an anti-money laundering and compliance officer with a financial institution in the United States. I indicated I knew there had to be escalation processes in place to resolve matters for legitimate transaction activity such as mine. She said there were not, and that I should just wait and try my transaction later. I told her this was unacceptable and demanded to be transferred to a supervisor ; she placed me on hold where I waited for more than 35 minutes before disconnecting. I then engaged the PayPal Support XXXX handle and requested to speak with a U.S.-based supervisor. While they were much more professional than the offshore representatives, they were similarly unable to connect me with someone in PayPal who could resolve the situation. I advised them that I was familiar with security and anti-money laundering protocols and was willing to provide any documentation they needed to demonstrate the legitimacy of the transaction and deposit, but they did not appear to be in a position to assist. I demand the following as resolution to this matter : Immediate release of the {$14000.00} funds in my account Information as to why the funds were placed on hold and how to prevent this situation from occurring in the future PayPal to review its current complaint process to ensure situations where its system places holds on legitimate funds can be expeditiously resolved. PayPal has a method for disputing transactions, but I could find no complaint process for consumers whose legitimate funds have been held PayPal to review how it describes funds held in accounts to consumers. The funds in my account have shown available to transfer at all times, yet customer service has indicated otherwise {$2500.00} reimbursement for time wasted due to PayPals failure to implement an adequate complaint process | ||||||
| 12/27/2019 | Yes |
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| PayPal is using unfair and deceptive practices when determining which payment method to use when consumers use PayPal to make online purchases. The PayPal app displays the customer 's preferences for payment method, but because of some behind-the-scenes hierarchy of payment methods established for certain types of merchants, they completely ignore the consumer 's preferences and debit the consumer 's checking account, instead. When I contacted PayPal about their error, the second supervisor I spoke with advised that my settings needed to be changed and even she didn't know that it's not possible to do so using the PayPal app on my XXXX. It was then that she advised me to log in through an internet browser to change my preferences so that this issue wouldn't happen again. As a consumer with a long history of using PayPal, I thought I could trust the app to show what would take place once I placed any online orders. How would I, or anyone else, know that XXXX purchase go through an account billing agreement that would have an impact on my transaction? This, to me, is not only unfair, but also deceptive. The app clearly showed my credit card as my preferred payment method. I verified with my bank that my credit card had way more available credit in order to process the transaction, so there was no clear or reasonable reason why my transaction hit my checking account instead of my credit card. The last supervisor I spoke with a PayPal refused to escalate my complaint any further, and instead, offered me several options : 1 ) Add money to my checking account to cover the purchase ( like I have an extra {$500.00} laying around ) ; 2 ) Call XXXX and cancel my order ( which means I won't get the gifts I ordered for my grandkids as those items were of limited availability ) ; 3 ) Write a letter to PayPal 's legal department because she refused to escalate my complaint to anyone else at PayPal. She was even kind enough to give me the mailing address for the letter. Transaction details : Yesterday I used PayPal to pay for two online purchases from XXXX for items that rarely come up for sale, much less at " sale '' prices, totaling {$500.00}. Before doing so, I checked my PayPal app on my XXXX to see that my preferred payment method was set to charge my credit card and not my debit card or bank account. The attached screen-prints from the PayPal app show my payment preferences are to charge my credit card first, then my bank account, debit card, etc. However, I learned today that my checking account was debited for the purchase and not my credit card - and there's nothing PayPal will do to correct this mistake. The biggest issue I have with this is, I need to pay bills out of my checking account and was opting to use my credit card for this purchase as I will be paying it off at a later date. I use my credit card 's rewards program for other purposes, and no rewards for this transaction. Now, I'm faced with waiting up to 5 business days for a refund from XXXX that will go to PayPal, not my bank account. I can then process a payment from PayPal to my bank account which will take a few more days. In the meantime, I am " out '' over {$500.00}, had to cancel the order that caused this mess, and I have spent literally hours first trying the PayPal chat with two agents ( useless ) then again with three different PayPal agents/supervisors on the phone. All of them were much more focused on schooling me as to how their system worked instead of realizing they are defending an unfair, deceptive and absolutely abusive practice of misrepresenting how a consumer 's funds will be processed in the PayPal app versus how the funds will be handled " behind the scenes '' in their back-office schemes. The issue here is a complete lack of understanding of the financial impact and heartache caused by this. Personally, this is causing a lot of unnecessary anguish, time spent to get nothing resolved, and I'm still in a financial bind and even lost the bargains I found for my grandkids because I had to cancel the order. I've heard over and over while waiting on hold for a supervisor three times how PayPal can be considered a " safe '' to keep your financial information and how they take their years of experience to make online shopping safer. I will never again trust PayPal for any payment of any kind and I'm sure there are other customers who were put in similar situations because they are deceptive in how they represent what will happen when a customer uses them for online purchases. I've never seen a clearer case of unfairness, deceptiveness, and an abuse of power over a consumer 's financial standing. | ||||||
| 01/10/2023 | Yes |
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| I am filing this complaint against PayPal and XXXX XXXX XXXX for not resolving going after a merchant that agreed to and said they would refund me {$39.00} charged by XXXX XXXX on XXXX XXXX, 2022. Here is what happened, in XXXX, I was looking for online resume services and came across one that had a {$1.00} loo-see trial period. It was set-up like most of these trail offers with what I call ambush business plan where the customer has to make the effort to cancel the account after the trial period - otherwise they automatically charged the following month subscription fee. I tried charging the {$1.00} to my XXXX XXXX XXXX debt card several times and the website kept denying saying I didn't have the funds available in my checking account ( untrue ) at the website suggestion, that if I had a Paypal account that I try charging threw that. Well I did have a PayPal account but I had no cash just sitting as a balance, rather I had it linked to - guess what my XXXX XXXX XXXX debit card, AND, miraculously even though it was using the exact same debit card- the charge went through. I checked out the service, didn't like and cancelled it. So I thought, but because I that debit card still linked in my PayPal account, when the resume company charged through PayPal but linked to and the money withdrawn immediately from my XXXX XXXX checking account- I realized that the resume company was trying to pull a fast one. I contacted PayPal and through them I had direct access to the merchant and sent them a cease and desist email saying I had cancelled during the trial period- and that they needed to close my account and refund that first month subscription charge of {$39.00}. I sent several emails, and when I heard nothing back from the merchant. I opened a charge-back dispute through PayPal. Shortly after initiating XXXX with PayPal, I heard from the merchant and they said they had cancelled the Subscription and would refund the {$39.00} BUT, because I had started a charge back through PayPal, I would need to cancel that first and supply proof that I had closed out dispute with PayPal and send them this cancellation. When I was doing as asked, PayPal had a warning alert issued at my request to cancel or close out my charge-back dispute, that in doing so, would NOT be able to revisit this and dispute again. I thought that was probably not true legally but given that the vendor had communicated these instructions with the message center in PayPal- it was ( and still is ) there for all to see ; 1. that they would issue back my {$39.00} 2. that they had told me to expedite refund to cancel dispute with PayPal. So I immediately sent the cancellation proof to the merchant and asked them to expedite refund as promised if I supplied proof of this. That was three months ago, and they never answered me again despite numerous attempts. Since PayPal had stated that I couldn't revisit the dispute, I then went to XXXX XXXX XXXX and opened a charge-back inquiry under the REASON CODE-CREDIT NEVER RECEIVED. I gave XXXX XXXX all the communications and timeline of events- they issued a temporary credit while they investigated and then to my dismay, they reversed the credit saying that PayPal ( the charge went through them ) responded saying it was a legitimate charge. HELLO I had included in my dispute ( side-stepping the legitamacy of the charge which it was NOT ) and showing the correspondence from merchant saying they would issue a credit- the dipute now was credit ( that was promised by merchant ) never received. XXXX XXXX didn't seem to care that the charge back was based on the promised credit never processed, and the back up for that, an instead was focused on the fact that PayPal said this was a legitimate charge. So back to PayPal I went and they are saying that they only acted as a third party processor of the charge and that they were NOT involved in this dispute AT ALL, and that I had to take this up with my cc XXXX XXXX XXXX. I tried telling PayPal that it was their response to having gone to my bank and them opening the dispute back to PayPal and because PayPal said - NOTHING ABOUT THE FACT that they had in their own message center - the correspondence from merchant they would issue a credit - and that was supposed to be what XXXX XXXX was investigating- where was the promised credit? And so the loop goes on and I am demanding that either PayPal issue the credit and charge back their vendor, or Green Dot bank properly credit my account user the reason code ( they have the original merchant email stating they would. .... Please dear XXXX someone credit me back this money! | ||||||
| 07/07/2023 | Yes |
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| On XX/XX/XXXX at XXXX XX/XX/XXXX, a person attempted to gain access to my Venmo account. After they somehow gained access to my account, they transferred the {$2600.00} that my clients had recently paid me through Venmo. Immediately, I realize that a scam had happened, and I immediately contacted Venmo to suspend the account and to stop that payment from being transferred out. I quickly caught it and contacted them immediately. They promptly suspended the account and suspended the transaction from being transferred over. They walked me through the steps of resetting, my password and the procedures that were going to happen. This was all new to me, because this has never happened to me before. They told me someone would contact me within 10 days through email. On XX/XX/XXXX, I realize that they had put the money back into that account. However, it was still suspended understandably until they can prove that the account is mine. I then received an email from their XXXX on XX/XX/XXXX stating to prove that this account with mine, I needed to change my password, send it in a State issued photo ID and take a picture of myself with that ID in my hand. And because XX/XX/XXXX was a holiday my family was in town, I sent it in XX/XX/XXXX as soon as I could. I then received an email from a specialist saying that they have found another account under my name. That there is a separate account that was opened in XXXX, mind you, I have had my account with them since XXXX and I use it regularly with my clients. here is the email sent from their specialist with the retracted names, numbers, and account numbers You have a new message from Venmo regarding request. To respond, simply reply to this email. Hello .., For your security, we are requesting that you change the password associated with your Venmo account. You can reset the password on your Venmo account by visiting this link :. or by going into your Venmo " Settings ''. It also appears that you have multiple Venmo accounts. Per the terms of our User Agreement, we only allow each user to have one account. I will be more than happy to assist you with your current account and the consolidation of your additional accounts. However, in order to begin that process, you will need to settle the outstanding debt on one of your accounts. After review, your account is frozen due to one or more chargeback ( s ) claimed against a payment or payments made from your Venmo account with the username!!!!!!!!. This typically happens when the person with ownership of the card is someone other than the Venmo account user. This person subsequently notified their card provider that they do not recognize the charge ( s ), which caused the provider to initiate the chargeback process. Before I can unfreeze your account, I will need some more information about the payment ( s ) listed below. This activity came from a XX/XX/XXXXcard ending in XX/XX/XXXX payment toXX/XX/XXXX for {$900.00} on XX/XX/XXXX payment to -XX/XX/XXXX for {$900.00} on XX/XX/XXXX payment toXX/XX/XXXXor {$290.00} on XX/XX/XXXX On XX/XX/XXXX, we received a notification from your card company that they started the chargeback process and refunded you. Venmo, as the payment processor, paid your card company and the funds were then returned directly to you. Due to this claim, both you and the recipient received the payment ( s ) in full leaving Venmo missing the {$2000.00}. You will need to add {$2000.00} to your Venmo profile from a verified bank account to cover the funds that were returned to you for the payment ( s ). I promptly responded to that email stating that was not my account. It has to be a fraudulent account that someone else made and it did not belong to me. I have never had any other interactions with Venmo on any other matter besides this current one that just happened. They then responded to me with this email : Hello!!!!, While I understand that you are saying the other account does not belong to you, we have found connections between the two accounts in question. While I am unable to share our internal evidence with you, we have systems in place that monitor activity on Venmo, and internal data has indicated that both accounts do belong to you. Please note that we don't reveal information about our internal systems in order to keep these systems robust. We are unable to reactivate your main profile until you reimburse us for the monetary loss caused by your other Venmo account. I am lost as to what to do now I do not own another account with Venmo and it was not my bank account that was used and it was not my email that was used. Please help. | ||||||
| 07/22/2023 | Yes |
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On XX/XX/2022 I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a down payment via Venmo of {$1300.00} for a glass shower door, enclosures and materials. I contacted the company ( XXXX ) and ( XXXX ) along with an attorney and the attorney general office. A full refund was requested several times from each of us with no avail.
Once I realized that XXXX XXXX has scammed me via Venmo they were contacted. Venmo requested that I contact local authorities and they would respond to them. I contacted the local precinct requesting a report be taken and they be notified. Neither the local precinct nor the attorney general office would notify Venmo. Without notification from either one or the other Venmo would not help me. The correspondence between Venmo and I is below : [ Venmo ] Support Call Inbox Account Specialist ( Team Venmo ) |
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| 12/03/2017 | Yes |
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| XX/XX/XXXX purchased a NEW XXXX XXXX XXXX XXXX IS XXXX XXXX for {$740.00} from a seller named XXXX XXXX ( his e-mail on XXXX is XXXX ). It was XXXX item ( s ) : # XXXX. It became quickly apparent that this seller was a fraud. This seller is obviously a skilled fraudster. He addressed a package ( unknown contents if there were any ) to an address in my state and town ( to a XXXX XXXX address, I live on XXXX XXXX ), so that the item would show " delivered '' on the XXXX website. Indeed an empty box probably was delivered to the address on XXXX in XXXX, Mo. But no lens was sent and no package delivered to me at my address on XXXX XXXX in XXXX, Mo. Here is the case history with PayPal in ascending order : View case history XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to seller XX/XX/XXXX - PayPal : Email sent to seller XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to seller XX/XX/XXXX - PayPal : Email sent to buyer XX/XX/XXXX - PayPal : Email sent to seller XX/XX/XXXX - Buyer : Dispute filed XX/XX/XXXX - Buyer : Dispute filed Here are the case comments : XX/XX/XXXX XXXX PDT - PayPal : PayPal escalated this dispute to claim. XX/XX/XXXX XXXX PDT - PayPal : XXXX - NEW XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX - Buyer : I have n't received the item. I contacted USPS and they said that it was delivered to a different house number and street. Only the city and state and zip code is correct. You 're a fraud and I want my money back. I have included a screen shot of the case including proof I submitted supporting documents to PayPal ( IM with verified XXXX employee stating the item was not addressed to my name or my address ) and that PayPal has closed the case ( for the second time ) in favor of the seller. I have recorded phone calls of my phone calls with PayPal ( both parties are aware the calls are being recorded ). I made calls to them on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In the XX/XX/XXXX a PayPal employee was on the phone with me and we conference called XXXX together. The PayPal employee heard with their own ears ( and PayPal should have this call recorded ) the FedEx employee clearly state that the seller addressed the package to a different name and address than my verified information ( on by XXXX and PayPal XXXX. That employee stated, " There are red flags everywhere with this transaction ''. For instance the address of the seller on PayPal is a different state than the address the package was shipped from. The package was shipped from a XXXX XXXX XXXX in Virginia which does not exist, etc. I also supplied PayPal with an Instant Message conversation I had with a verified XXXX account employee stating the exact same information. I have attached those screen shots for you to see. On my XX/XX/XXXX conversation the PayPal employee I spoke to in their resolutions department promised that they would require a verified XXXX shipping receipt to be supplied by the seller showing the name and address that were on the package. Obviously this could not have been produced since XXXX has stated twice that the package was addressed to a different person at a different address. Today I again spoke with a " dispute resolution expert '' as she described herself at PayPal. I also recorded this call. She stated that " no document has been received from the seller. '' So, PayPal again closed this case without documentation for the seller, much less the verified XX/XX/XXXX shipping receipt they promised to require from him, yet they have two forms of verified evidence from me and XXXX stating that this package was purposefully misdirected by the seller to an unknown person and an address that is not my verified address. She again said that by XX/XX/XXXX I would receive a phone call or detailed e-mail or update of some sort from PayPal. If history is any guide I will simply receive and e-mail stating that the case has been decided in the seller 's favor and again closed. As you can see I have given PayPal multiple pieces of irrefutable evidence that this item was misaddressed on purpose and that the seller is a fraud and yet PayPal continually rules in favor of the seller and closes the case in this dispute despite admitting that they do not have any documentation from the seller verifying the name and address on the package. I would appreciate an investigation into PayPal 's dispute resolution practices in this case. | ||||||
| 04/08/2022 | Yes |
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Web | Servicemember |
| On Monday XXXX at approximately between XXXX and XXXX. I created an account with the company VENMO to send emergency funds to a relative. I successfully added a debit card to the account and proceeded to try and send the requested funds with no success. I received an error message stating there was an error with my request. I then added my bank institution to the account and tried to send funds again and received the same error message. I contacted my bank directly to see if there was any flags on my account, as well as shadow me while trying to send funds for a third and fourth time using the VENMO app. On the fourth attempt I received a different message saying " Your account has been temporarily frozen due to resent activity, please follow the steps in the link below to unlock your account ''. When clicking on the link there was a generic resolution webpage with steps to un-freeze VENMO accounts. Most answers provided steps to manually unfreeze the account using the VENMO app. The VENMO app did not support the steps listed on the help page. All other information provided on that page and linked subpages said to email XXXX. I sent an email to the address and received an email back promptly, XXXX minutes later, with links to the same support page that I started with. After searching the VENMO support page deeper, know approximately XXXX, I found a listed number to VENMO customer support that said " call to speak to a customer support representative. After XXXX minutes of pressing numbers through the VENMO automated navigation system I realized there was no avenue to speak to a human being. Another thing I stumbled upon while navigating the support page is that the main/fastest way to speak to the VENMO customer support team is to message them on the companies XXXX account ... ( I refuse to communicate and share personal information VIA XXXX for the public to see! ) VENMO failed to help me while I had a stranded family member in the middle of nowhere. Eventually set family member hitched a ride to their destination from a nice family. The next day, Tuesday XXXX XXXX, I received my first VENMO customer support response from XXXX XXXX ( Team Venmo ), who stated that " Weve had a chance to review your account and it appears your case requires additional attention from another team. I will forward your case and they will follow up with you here, via email in XXXX to XXXX business days. '' I was already researching how to cancel my account at the time I received the email and stumbled across a link to add a " non-expired US government issued ID '' to speed up the process. I followed the steps. The following morning, Wednesday XXXX at XXXX, I received a email from XXXX A ( Team Venmo ) that said " Hi ( User ), Thank you for sending us these additional documents. However, we are unable to accept the XXXX ID. So that we can proceed with your case, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the Bank ending in XXXX and card ending XXXX ''. I then re-sent my unexpired US government-issued photo ID again as well as my state issued Drivers License and a copy of my bank statement. I blurred out potentially harmful information from my ID and bank account ( IE : Mailing address/Full account number/Routing Number/ additional accounts/ balance totals ). I then sent a follow-up email stating that I was no longer willing to use the Venmo services. I stated that I want no transactions and simply want my account unfrozen to close it out. Today, XXXX at XXXX, I received another email from XXXX XXXX ( Venmo Team ) saying " Hello ( User ), Thank you for sending us your ID. We now need to verify that you have access to the financial accounts on file with Venmo. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A recent monthly statement for the bank ending in XXXX. ". Venmo, as well as their members, have shown unwillingness to assist me in resolving/closing my account. Even after showing the XXXX XXXX Military ID, Venmo showed that that was not an acceptable form of Government Identification. They still have my personal checking as well as card information stored on their network and shows no sign of allowing me to delete it. The documents requested are not standard for a third party vendor, and shows signs of " sketch '' behavior. | ||||||
| 03/27/2019 | Yes |
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| I received money from my cousin on PayPal. Woke up the next morning to my account being negative {$590.00} for money I received from a family member. So I called into PayPal XX/XX/2019 to see what was going on. And they stated that it was done on their side and I just had to contact the sender and have them call in so I did. After I got off the phone with them they stated my account was good now and it was no longer negative and my balance was back at {$700.00}. But I need to send in my personal information such as SS number, ID, bank statements, And proof of address. So I did, went into my account to withdraw my funds and my account was still locked. So I called in again waiting on hold for a hour and 35 minutes. Finally a representative came on I explained my problems and asked why was my account still locked. And she told me to hold as she looks into it. So when she came back she told me that my account was being shut down and I couldnt withdraw my balance for 180 business days. I asked why and she was so so rude and told me its their policy and she cant inform me of why. So I asked to speak with a supervisor and she told me a supervisor cant help their just going to tell me the same thing. Then as Im explaining to her that I still would like to speak to a supervisor she hung up in my face. I was so upset and when I called back another hour and 30 minute hold absurd. Finally got to speak to a supervisor before going through another absolutely rude representative. But it didnt matter because the supervisor was just as rude and stated it was nothing they can do about it I have to wait the 180 business days call back and Ill be able to withdraw my money. Absurd so I took the next step and filed a dispute got a denial within a hour. So I emailed over 10 PayPal complaint emails and stated. Transaction ID : XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on XX/XX/2019 afternoon, if I am not satisfied with PayPals response to this request to release my funds : The California Office of the Attorney General XXXX XXXX XXXX XXXX The Washington State Office of the Attorney General XXXX XXXX XXXX XXXX Florida Office of the Attorney General XXXX XXXX XXXX The Arizona Office of the Attorney General http : XXXX Additionally : The United States Federal Reserve XXXX XXXX XXXX The Better Business Bureau : XXXX : XXXX All complaints will be filed online Wednesday afternoon XX/XX/2019 and written copies will also be sent via certified postal mail. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$100.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the afternoon of XX/XX/2019. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. Transaction ID : XXXX Still got a response i was denied. Please help I dont no what to do I have bills to pay and kids to feed its so not right for them to hold my money like this. My account has been in good standing for over 9 years. | ||||||
| 10/29/2023 | Yes |
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Web | Servicemember |
| Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX live ( the Fraudsters ) with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal andoutright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. Money was transferred to the fraudsters in the total amount of XXXX XXXX, of which XXXX USD was transferred from my wallet - utilizing their services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether PayPal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of PayPals custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether PayPal promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether PayPal was in compliance with its ownpolicies and procedures ; ( v ) whether PayPal owed duties to myself, what the scope of those duties was, and whether PayPal did not uphold those duties ; ( vi ) whether PayPals conduct was unfair ; and ( vii ) whether PayPal has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, PayPal must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way XXXX be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that PayPal did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past. Apropos of the fluidity of the concept of reasonableness, all PayPal has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one- inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. PayPal is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. There are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual, and how to take the necessary actions to prevent or minimize financial harm. | ||||||
| 09/29/2022 | Yes |
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Web | Older American |
| XXXX, As of today and my prior notifications on XX/XX/XXXX, there are Fraudulent invoices listed/pending on my account for payment as shown below. Today I again contacted PayPal where I spoke to a women named XXXX. Not sure if this is the same person from the email far below, or if there are others involved. Please note this same complaint has been filed with the State of Texas, the XXXX, the XXXX, FBI.gov, FTC.gov and other agencies with jurisdiction. PayPay.com is simply not compliant with many best practices, security measures and basic customer service points. STEPS I HAVE TAKEN Paypal notification about the 2 XXXX XXXX invoices for removal as they are fraudulent XX/XX/XXXX o When I click on these invoices for detail, I get an error message and can NOT see any detail. XX/XX/XXXX XXXX XXXX XXXX o The paypal XXXX pinged my phone providing a code to log into the account, yet I did NOT attempt to log into my account!!!! Today XX/XX/XXXX, I called PayPal at XXXX youll NOTE that this is the customer service number provided to me today for tracking o We discussed everything listed below. o During todays call PayPal must have done something as the XXXX XXXX invoices have disappeared???? Wonder if my money is disappearing too? o Second call was with XXXX as I noticed that the tracking number from the first call was the customer service phone number Is this some type of scam???? I called back in and talked with XXXX who could NOT locate the prior call or related information I asked for a super and was told that Id have to wait would NOT provide incident tracking number No supervisor and NO incident tracking number Im on hold now Its ground hog day? o The XXXX XXXX invoice still appears on my account this is Fraud When attempting to open the invoice I get an error message so I can NOT see any detail This fraud still exists on my activities list. Still on hold.NO resolution! SUGGESTED IMPOVEMENTS Place a fraud reporting button at the top of the page Automate the interaction of reporting fraud Provide a specific customer incident tracking number for the report o How are you tracking incidents and reporting response times and resolutions, if any? There is NOT a defined resolution process with times listed on the website, list a road map! To date the ONLY response I have received from PayPal is below : How do I know if an email is from PayPal? [ XXXX ] XXXX XXXX XXXX XXXX XXXX, It was great talking to you today. As mentioned during our conversation, here is the additional information on PayPal emails. We understand receiving a fake email can be a cause for concern, and we urge you to always contact us if you have any questions about your PayPal account. As of XX/XX/XXXX, all emails from PayPal to U.S. accountholders will be sent from a PayPal email address with the domain mail.paypal.com. Fake emails, also known as phishing emails, attempt to collect your personal and financial information. These fake emails often link to fake websites that encourage you to enter personal information such as credit card numbers, passport or drivers license numbers, and account passwords. Youll know that an email is not from PayPal when : The email uses a generic greeting like " Dear user '' or " Hello, PayPal member. '' We always address you by your first name and last name or the business name on your PayPal account. The email requests financial and other personal information. For example, an email from PayPal never asks for the numbers of your bank account, debit or credit card, or drivers license. We also dont request your email addresses, your full name, your account password, or the answers to your PayPal security questions. The email includes an attachment or a software update to install on your computer. We will never ask you for money in an email, and we will never ask you to send money through XXXX XXXX, XXXX or any other third party money transfer service. If you think youve received a fake email, forward it to XXXX. Then delete the fake email from your inbox. Click Security at the bottom of the PayPal homepage to learn more about fake emails and websites and online safety. For additional information about fake emails and websites, you can visit www.antiphishing.org, a website put together by the XXXX XXXX XXXX ( XXXX ). Sincerely, XXXX PayPal Customer Solutions PayPal ; Copyright XXXX PayPal. All rights reserved. Please don't reply to this email. This mailbox isn't monitored and you won't receive a response. For assistance, log in to your PayPal account and visit our Help page. | ||||||
| 12/07/2018 | Yes |
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| According to PayPal, a person can send money for fee-free via PayPal as long as they : ( 1 ) designate the money transfer as " Sending to friends and family '', and ( 2 ) funds the money from either a PayPal-linked bank account or the sender 's PayPal balance. Unfortunately, I learned that such a transfer of money is NEVER fee-free if : ( 1 ) the money recipient initiates a request for the sender to send money via the " Request money '' feature on PayPal, and ( 2 ) the money sender responds to the initiated " Request money '' request to send the recipient money. This is true even if the recipient intended for the request to be " friends and family ''. I am filing this XXXX complaint because I believe recipients are not sufficiently made aware that requesting money using PayPal 's " Request money '' feature is never fee-free. Furthermore, I believe PayPal uses deceptive practices to get people to think that the " Request money '' feature can be fee-free. Here 's the situation : On XX/XX/2018, I used the PayPal smartphone app to request money ( {$5.00} USD ) from my sister using the " Request money '' feature ( Transaction ID XXXX ). I intended for money to be sent using PayPal 's " friends and family '' feature ( i.e., so that neither I nor my sister would be assessed a fee ). I believed I could do this based on BOTH written information on PayPal 's website ( see https : //www.paypal.comXXXX ) and information communicated by video on PayPal 's XXXX XXXX ( see XXXX XXXX XXXXXXXX ). I believe any reasonable consumer would agree with me that the information provided at the above-cited sources make it seem like a person CAN request and receive money fee-free using the " Request money '' feature. As you can see from the XXXX video, there is NO WAY to indicate within the " Request money '' feature of the PayPal app to designate the request as a " friends and family '' transfer ( as opposed to a " goods and services '' transfer, which would assess the recipient a 2.9 % fee + a non-refundable {$0.00} per transaction fee ). I was only ever given the warning ( also shown on the XXXX XXXX ) that if I'm " requesting money for goods and services, [ I ] 'll pay a fee when [ I ] receive the money. '' While I was unnerved by the fact that I could not designate my money request as " friends and family '', I assumed my sister would be able to designate the money transfer on her end as " friends and family ''. I assumed wrong. My sister received my money request by email. The email message prompted her to click a link to log in to her PayPal account and complete the money transfer. While completing my money request, she too was NEVER given the option to designate the transaction as " friends and family '' ( which she intended ). She selected the option to send money from her PayPal-linked bank account and was only shown text that she would not be charged a fee. Upon my sister sending me money on XX/XX/2018 ( Transaction ID XXXX ), I noticed I was assessed 2.9 % fee + the {$0.00} non-refundable per transaction fee. When I contacted PayPal customer service about this ( I contacted them about 5 times over the period of XX/XX/2018 ), I was told every time that my sister sent me money via the " goods and services '' feature and that while the 2.9 % fee is refundable the {$0.00} fee is not. I was also told that every time that customer service is unable to credit my account and that I would have to eat the {$0.00} fee. I am very upset by this situation because neither I nor my sister were EVER given the opportunity to designate the transaction as " friends and family ''. Yet, PayPal automatically defaulted the transaction to be a " goods and services '' transaction, forcing me to face a {$0.00} fee, without my permission, choice, or intent. I searched the PayPal Community Help forum, and I found numerous cases of others facing the same issue I did. This is indicative of the fact that the problem I faced is not a one-off issue ; rather it is part of a larger, more pervasive problem that PayPal is simply profiting off of at the expense of its consumers. Here are just some of the examples I found of others who faced the same issue I did : XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, based on the answers I found in the Community Help forum, I discovered that using the " Request money '' feature ALWAYS results in a fee : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/28/2022 | Yes |
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Web | Older American |
| I made a purchase online XX/XX/XXXX the purchased went thru PayPal for payment. when I received the item, it was wrong. I reached out to the seller. But was getting nowhere. so, I filed a dispute with PayPal on XX/XX/XXXX. I also filed a dispute with my credit card company. I called PayPal because the charge of {$880.00} disappears from my account on PayPal, plus when I try to look up the dispute on my PayPal account. it is showing me that I have no dispute on record for the dispute case number I receive from PayPal # XXXX. So, I call up PayPal about this. they tell me it is because I signed in as a guest. I told them that I didn't sign in as a guest because I had to put my credit card information in. I felt this was wrong. the woman on the phone said she could help me. I said I have information that I need added to my dispute. so, I sent it to her in an email. At this time, I told her that I filed a dispute with my credit card company. She said to me that I can only have one dispute, that it would have to be PayPal or my credit card company. I told her at this time that I wanted PayPal to handle my dispute. She said to me, no problem XXXX XXXX we will take care of you. the call ended. because she informs me, I could only have one dispute. I called my credit card company and canceled the dispute with them. a few days later I call PayPal so I can email them more information about my dispute. I tell the woman I am speaking with that I canceled the dispute with my credit card company. she says nothing to me, and I send her the email with the information. I wait the ten days and call PayPal to see how my dispute is going. Now PayPal is starting to give me the runaround. ask to speak with a supervisor he is also giving me the runaround and says I should try to work it out with the seller. I have been in contact with the seller the whole time trying to work it out. no one is telling me that my dispute is canceled with them. I come to an agreement with the seller. I called PayPal up on XXXX XXXX speak with a woman name is XXXX XXXX I tell her I need some information about my dispute. she tells me that she can help me and ask me what the problem is. I tell her what is going on and that I am having a lot of problems with this. I explain everything to her, and that the seller and I came to an agreement. I send her a email showing her this. she tells me that she is going to puts me on hold while she reviews this. she come back and tells me that she sent an email to the seller giving them 3 days to pay me the XXXX that we agree to. and if they don't, that PayPal would close the dispute in my favor and give me XXXX. I was surprised at what she told me, so I asked her again what she said. and she said the same thing. I repeated what she said, and she said yes. I was so surprised. I even told her I was just calling for information. and praised her and said PayPal needed more people like her. I wait the 4 days call back on XX/XX/XXXX to tell them I didn't receive any money from the seller so when would I get my XXXX back. The person on the phone tells me that she was wrong in what she said to me. I ask to with a supervisor. I get a supervisor his name is XXXX. I tell him the whole story and ask him to listen to the phone call that I had on XX/XX/XXXX at XXXX a.m. He says he will, and he will call me back the same day. I say ok and hang up the phone. I get a call from the woman XXXX. and she is trying to tell me that I heard her wrong. I tell her no, I heard you and even asked you to repeat it more than once. I said what a mess this is, and I just want my money back. now she says that PayPal will give me a XXXX toward shipping cost. told her no way. call ended. XXXX calls me back and says he listen to the call twice to make sure he heard everything right. He told me that he filed a report on this in sent it to a supervisor named XXXX. and he would make a decision on it. that he couldn't. I asked about the report and what he thought and said in the report. he said the woman was wrong and that I should get the XXXX because of what she said in the phone call. I will say this, if PayPal would have told me that my case was canceled because I filed a dispute with my credit card company in that phone call, I had with them at the begin of this. I would have never canceled my dispute with my credit card company, but they didn't tell me that. They said they would take care of me. Also, on that XX/XX/XXXX call. what I was told. I feel that PayPal owes me the XXXX this whole thing is one mistake after another from PayPal | ||||||
| 03/12/2021 | Yes |
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| I had a very bad experience with a seller using PayPal 's platform who lied and scammed me. Under PayPal 's purchase protection, it states 'If you don't receive the item that you ordered, or it shows up significantly different from its description, you may qualify for Purchase Protection, and we'll reimburse you for the full purchase price plus any original shipping costs, subject to terms and limitations. ' I contacted the seller in XXXX for a refund and asked them to provide me with the return address, which they agreed to send me ( please refer to attached documents where seller directly tells me 'u can send hair back. ' ) I ordered several hair bundles, closures and frontals. I was lied to by the seller and defrauded in many ways. I was told the hair I was purchasing was their highest grade of human hair, which meant little to no shedding, tangling or matting and no synthetic fibers. The hair I received after close inspection had all of the above along with a lot of short hairs, a horrible burnt smell and inconsistent texture. Unlike human hair, synthetic hair, which the seller sold me as human hair, has little resistance to heat. When exposed to heat, the hair either burns or melts. I quickly found out about the sellers dishonesty and confronted the seller about it. The seller response on XX/XX/XXXX through XXXX was u can send hair back. The seller also requested I send photos so she can give it to her factory boss in order for me to receive the return address. I sent the seller photos of the matted and tangled hair on XX/XX/XXXX after the seller didnt answer my complaint on PayPal. On XX/XX/XXXX the next day after providing proof to the seller and still receiving no response, I asked yet again for the return address and got no response from the seller. On XX/XX/XXXX, I asked yet again for the return address on XXXX, and still no response from the seller. XXXX informs you when the message has been seen from the sender. On XX/XX/XXXX, I messaged the seller yet again for the return address no response. The seller continues to view my messages, but has not responded to me. The seller 's actions obviously prove that the hair they sold me were not under the same pretenses as they initially described to scam me. I just can not understand how the seller told me from their own messages I can return the items, which my screenshots will prove, and once Ive done everything they requested, fail to provide me with the return address and ignore me. I made every attempt possible to resolve the matter. After Ive done what they instructed me to do they never sent the return address and they stopped responding to me. It has now been three months and the seller has yet to provide me with their return address so I can return their items and receive my refund rightfully. Instead they just simply stopped responding with all the proof I provided them as well. The seller needs to be held liable as they sent me items which they know were not as described, promised to refund me and send me their return address and only lied and continue to ignore me. I have no problem with returning the items, but never was I given the return address even asked for it several times. The seller can not expect to keep my money for items that are not as described and fail to provide a return address even when promising to refund me. PayPal was also willing to cover up to {$30.00} of the return cost back to XXXX. The sellers actions towards the situation proves they thought they could get away with selling me items that was significantly not as described. If the seller felt otherwise, why tell me I can send it back and that the issue is not refunding me and then ignore my messages. The seller is nothing but a scammer and my screenshots will prove everything. Why is the seller failing to provide me with a return address, when they clearly stated on XX/XX/XXXX that I can return the hair I received that was significantly not as described? Why has PayPal failed to protect me as a buyer even under their 'purchase protection. ' Its because the seller had every intention to scam me out of {$1600.00}, I have no reason not to return their products. They wasted my time and lied to me thus far. The situation would have also been over with, because as my screenshots will prove I went to every extent to get the return address only to be ignored. Where if the seller didn't lie to me and was honest and truthful, I would have received the return address as promised, return the items and receive my refund as promised and the issue would be over with. | ||||||
| 04/26/2020 | Yes |
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| This letter is to explain the unethical practices of the company PayPal Holdings , Inc.. Like many other families around the world the pandemic has taken a huge toll on me and mine. I decided the best thing for me to do was to sell some items via XXXX. So I did so and to my delight I had over {$1000.00} deposited into my PayPal account from an XXXX sale. This was on XX/XX/2020 and the exact amount was {$1000.00}. I was soon after informed that there was a 21 day hold on the money since my account was somewhat new and/or hadnt been used in a while. Ok, I could deal with that, so I waited. Then I noticed that about 10 days into that wait that there was a limitation put onto my account. They wanted three documents verifying my identity to remove this limit. So I provided to them a photo of my Florida drivers license, a photo of my social security card and a insurance bill showing my mailing address. PayPals system noted that they would review these documents for 3-5 working days. So after 5 working days I was curious why they hadnt removed the limitation or finished reviewing my documents, so I wrote them inquiring upon these matters. They informed me that certain criteria in my account linked it to some other accounts. They said it could be an address, phone number, social security number, bank account, etc.. pretty much anything in my account that matched another persons could and would make a link. They informed me that one of the accounts, XXXX, had a negative balance and that it would have to be paid in full for my account to be unlimited. After informing them that that account had nothing to do with my account they insisted that it had to be paid. They would not tell me what information linked our accounts. Luckily, ( at least I thought I was lucky ) I know whom that email address belongs to so I was able to contact him and let him know the situation, and he was kind enough to pay his debt. I messaged PayPal with this information and they said that they wanted a clearer photo of my ID so I complied. So after being forced to be their debt collector and putting myself in danger soliciting their account holders, this still wasnt enough for them to release my account and money. They found another account which I didnt recognize and demanded that I make this account holder pay their negative balance as well. I was astounded, did they think I could be blackmailed with my own money to be their unofficial debt collector? I told them no way, I didnt know who that account belonged to and I wasnt going to investigate or pursue the account holder for them. I was uneasy about the 1st time I did it for them and the thought of doing it again made my nauseous. I told them this had to be illegal what they were doing to me. They then disconnected and reconnected me with a different representative. The new rep noted that my confirmed, verified, bank account have stored was not in my name. I told them that it was my roommates and that I had permission to use his account for PayPal matters. They asked if I could provide them with a letter of authorization from the bank account holder stating that I was authorized to use their account for PayPal, with a photo of their ID. They said I needed to provide a new, clearer photo of my ID and that after I provided these items my account would be freed. So excitedly I replied no problem, give me 10 minutes, and signed off to get these things in order. When I signed back on I was floored when I was directed to a page stating that You cant use PayPal anymore. and some other things regarding the closing of my account. The absolute worst notice being that the money in my account would be held for 180 days! After which they will send me an email with instructions about transferring the money. 180 days! This pandemic is taking a huge toll on my family as I stated before and I cant afford a hit to my finances like this. I was forced, by the economic state of our country, to sell heirlooms I never thought I would have to sell and now this bully of a company is holding the money for no reason at all. Then I get a call from my roommate, whom wrote me the authorization letter, and his account has been closed as well! Along with a 180 day hold on his funds. This is so wrong and this company doesnt understand or care about the impact that their unethical behaviors are having on Americans lives as I am sure we are not the only people they are pushing around during these trying times. Please help me as I am not big enough to take on this company alone. Sincerely yours, XXXX XXXX | ||||||
| 10/25/2023 | Yes |
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| XX/XX/XXXX, I was making a purchase for a laptop on XXXX and using PayPal as a payment method. My preferred method of payment selected through PayPal is always a credit card, NEVER my checking account. The amount for the laptop was far greater than the amount I had in my checking account, so it wouldnt have even made sense for me to attempt the purchase directly from my bank. Each time I make a PayPal purchase, I confirm that the payment selected through PayPal is a credit card, never an ACH transaction. Long story short, XXXX system kept automatically flagging my purchase as suspicious and canceling my order, so I kept attempting the purchase, each time confirming the correct PayPal payment method via a credit card. I could see where the payment amounts were being credited back to my credit card because of the automatic cancellation of my orders. However, the day following the attempted purchases, my bank account reflected a negative balance, which was shocking because I am always careful of my transactions and always know exactly how much I have in my account. I am never in a negative balance. Upon investigating, I saw almost a {$2500.00} payment ( the same amount as the laptop ) as INSTANT TRANSFER PAYPAL in my recent transactions on my checking account. It looked as if I had directly sent money to someone, which really concerned me. I called PayPal for assistance in figuring out what was going on, and they were no help whatsoever. The agent kept giving me details about refunds to my credit card on file, and I had to repeat myself 5-6 times that the issue was with my checking account and real funds being withdrawn from my bank. I was told Id be given a call back. I called my bank and put a debit freeze on my account, thinking some third-party scammer had hacked into PayPal or something. Later on, PayPal called me back and confirmed that they had initiated the transaction because they fronted the funds when one of my credit transactions didnt go through so they attempted to pull the funds from my checking account to cover the fronted funds they provided, but then they reassured me that the same amount would be returned and credited back to me in a couple days. Once the funds were credited back to my account a couple days later, I contacted my bank and lifted the debit freeze, thinking that all was back to normal. However, this morning I received an automated email from PayPal with the following message : You recently attempted to transfer funds from your bank account. Your bank has declined the funds transfer because your account did not have sufficient funds available. We will automatically re-attempt this transfer in 3 business days. Please fund your bank account immediately to ensure this transaction can be completed. So I called PayPal again to confirm that they were indeed going to attempt to pull the funds again because there was no need to do that since my purchases kept getting canceled and never even went through. The agent told me there is nothing they can do about it and the funds will be debited from my account again. I said that I would like to speak to a supervisor or someone who can cancel the transaction and prevent this from happening all over again, and then I proceeded to wait ten minutes on hold only to be told that they couldnt reach a supervisor so Id have to wait for a call back. This left me feeling very uneasy, and I felt I could not trust PayPal at all, so I called my bank and asked them to close my checking account and issue a new one to prevent further unauthorized debits from PayPal. I feel that this company is operating fraudulently and can not be trusted. Again, I never visually or expressly authorized PayPal to withdraw funds from my checking account, and every attempted purchase through PayPal had a credit card selected, not my checking account. If the payment through the credit card failed to go through, PayPal should not be fronting money and then automatically pulling real funds from their customers checking accounts to cover that. There is a reason customers are choosing to pay with credit cards versus paying with their checking accounts, and usually this is because the item being purchased isnt something they have real funds with which to pay for it just yet. This kind of incident should never have happened, and PayPal should be ashamed of their business practices as well as their atrocious customer service. I am concerned for other customers that may have their funds withdrawn from their accounts via unauthorized debits conducted by PayPal. | ||||||
| 10/17/2023 | Yes |
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| ON XX/XX/XXXX I PURCHASED 6 TICKETS FOR XXXX XXXX XXXX XXXX XXXX THROUGH XXXX XXXX XXXX XXXX XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$1500.00} USD USING MY PAYPAL ACCOUNT THE TICKETS WERE FOR XX/XX/XXXX ON XX/XX/XXXX I WENT TO DOWNLOAD MY TICKETS ONLY TO FIND A BLACK SCREEN. I THEN IMMEDIATELY CALLED THE TICKET FULFILLMENT CENTER @ XXXX @ XXXX spoke with XXXX for over 45 mins, I explained to her that I was getting a black screen and I could not download the tickets she stated they would get problem fixed and resend the link. I got the new link and again it did not work. Called the same number @ XXXX and spoke with XXXX and was told they will resend the link when they got the issue resolved that they working on issue - received a new link and still not working- called same number @ XXXX spoke to XXXX and was told it was a XXXX XXXX issue, I then put the XXXX XXXX XXXX XXXX XXXX ) on hold and called XXXX XXXX on my business phone put both calls on at the same time, and XXXX stated that this was not there issue that it was the seller 's issue and XXXX had no information regarding my tickets. XXXX also stated that when the page comes up blank/black it's because there is fraud involved. XXXX then told me to hang up with XXXX and that it is there issue and I would have to call back again at XXXX XXXX, because he can't fix the problem right now. I stated even tho the tickets are 100 % refundable if buyer is unhappy or we can't get tickets that he could not refund me right now? He that I would have to wait until XXXX on XX/XX/XXXX and that at that time I would either be refunded or I would get tickets that were comparible or better that the tickets I had ororiginally purchased. I stated that I have to have the tickets now or my money refunded because I have a 8 hour drive to get to the event. He stated that he could not do that but rest assure that I would have my tickets or my refund by XX/XX/XXXX at XXXX. I let him know at that point I wanted a refund, he stated that he would process it, and I would receive an email by XXXX on XX/XX/XXXX. I have never received an email or the tickets. On XX/XX/XXXX I had to re-purchase tickets. On XX/XX/XXXX at XXXX I filed a dispute claim with Paypal XXXX I gave them all the above information, Case ID : XXXX Disputed amount : {$1500.00} USD Seller info : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date reported : XX/XX/XXXX As I was checking in on my claim, with Paypal it stated that the case closes on XX/XX/XXXX pending the sellers response- which was very confusing. I called Paypal on XX/XX/XXXX @ XXXX @ XXXX spoke with XXXX XXXX I asked him to clarify what the case closes means, he stated that the case will close on XX/XX/XXXX @ XXXX if they do not get a response from the seller, at which time they will take the money from the sellers account and refund my account. I said to clarify there is nothing else that I need to do? He stated that is correct, and if there are any updates I would receive an email with the updates. On XX/XX/XXXX I checked my paypal account to see that my case was closed but there was no refund to my account, I called paypal again @ XXXX and spoke with XXXX XXXX I went over everything I stated above with him and he advised the case had been closed and I was given incorrect information, that I had to escalate the claim before XXXX on XX/XX/XXXX or the claim closes and is unable to be reopened once it is closed. I stated that all their calls are recorded and they could listen to the call and would hear for themselves that the information I received was incorrect, he stated that he understood that and because of that he was doing everything he could to fix it, I was on hod for over 32 mins and the call disconnected. On XX/XX/XXXX @ XXXX I called paypal again and spoke with Hope, once again I went over all the above information with her, he stated that she was getting the case escalated due to misinformation, she stated that I would receive an email within 24 hours if my case would be reopened or not, but she did not see any reason why they would not reopen it. I have not received an email from paypal. I have done my due diligence and have called everyone involved in this fraudulent transaction, it is very apparent that the XXXX XXXX XXXX and PayPal work together in these fraudulent transactions. I would like a full refund in the amount of {$1500.00} that was paid in good faith through my paypal account for tickets that were purchased for an event that I never received and had to re-purchase a whole another set of tickets. | ||||||
| 09/24/2020 | Yes |
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| Back in the month of XX/XX/XXXX I got a notice from Pay-Pal stating that my account was at high risk, however shortley later on as years went back I tried to appeal my case to PayPal upper management and the same response came back explaining that I have no right to appeal the decision and that the decision was made in Final. Paypal has been sending notices out to everyone with the same notice as the one I received listed below ... Because I was disputing some XXXX transactions back in XX/XX/XXXX-XX/XX/XXXX from PayPal, Paypal went to the sellers i had a previous long business relatioship with and sided with the sellers on XXXX. This is something that was made definitely an error by PayPal sepcially with all the disputes I was disputing and filling on the PayPal website during the time the disputes I was disputing went on and occured. paypal also told me that because there decision was final without reason or a warning to the issue listed bolow that there business relationship with me parted ways meaning PayPal does not want my business anymore and this is the kind of behavior that i will be hearing from any baking institution companies not just PayPal in connection. I do have some Paypal accounts that are still put on limited restriction but every time i call up paypal to lift my XXXX Paypal account that is put on limited restriction by PayPal and to no avail not a single human rep can fix my Paypal account what so ever. Also PayPal is so simular to other banking companies that deal with international banks to internation customers etc. PayPal is by the worst company ever that anyone should not be using because in the Terms of Use Agreement on the PayPal websites does not state that Paypal has a right to put limited restrictions on anyone 's PayPal account or closing the account down or making it look like the account was entirely closed when its put on Limited Restriction. Also, PayPal has been sending me fake PayPal emails about getting my accounts reinstated but the emails are systematically coming from PayPal even though someone is using my email address to open a new paypal account under a different individual 's name without my concent which PayPal should be cited on entirley in which case is fraud!!! XXXX wrote : Dear XXXX XXXX, Thank you for contacting PayPal regarding your limitation. We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. PayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. To minimize the disruption to your business, you can continue to log in to your account for the next 180 days. * If you have a negative balance, please add money to your account to bring your balance to at least XXXX. ( If you choose not to resolve your negative balance, we may take legal steps to collect the money. ) * Visit the Resolution Center to resolve any outstanding buyer complaints or chargebacks. * If youd like to refund any of your buyers, you can reply to this email with the transaction details. Well send a refund on your behalf using money from your PayPal balance. Heres how to view the status of a buyer complaint : 1. Log in to your PayPal account. 2. Click Resolution Center near the top of the page. 3. Select Open Cases from the drop-down menu next to View. 4. Click Status next to the transaction. After 180 days, well contact you to let you know how to withdraw any money that remains in your PayPal account. You can transfer the balance in your PayPal account to your bank account or ask us to send you a check. ( You cant withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargebacks. ) Yours sincerely, PayPal, an XXXX Company Please don't 'reply ' to this email. We don't monitor this inbox. To get in touch with us, log in to your account and click 'Contact Us ' at the bottom of any page. PayPal XXXX XXXX XXXX XXXX XXXX. & XXXX, XXXX. XXXX en Commandite par Actions Registered Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Copyright XXXX-XXXX PayPal. All rights reserved. Sincere, XXXX XXXX | ||||||
| 02/07/2023 | Yes |
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| Dear PayPal, In reference to your CFPB Complaint No : XXXX, dated XX/XX/XXXX, I hereby respond to you as follows. With regards to your claim about the use of Virtual Private Networks ( VPNs ) to make payments or access my PayPal account, I accept that I have used VPNs on some occasions to access restricted websites under the jurisdiction of the United States of America. I have informed your customer support agents at PayPal about this during our conversations. I apologize for any inconvenience this may have caused to PayPal, but I am tied in certain circumstances where VPN is necessary to access and make payments using PayPal. In reference to your claim about my account receiving an excessive amount of personal payments, I have done a thorough review of my account transactions activity and can confirm that the two personal payments totalling {$590.00} received in my PayPal account registered under email address XXXX are valid. The payment amounting to {$33.00} from XXXX XXXX was used to purchase a freelance digital service on XXXX, and the payment amounting to {$560.00} from XXXX XXXX was made under the Friend and Family category, as XXXX is my good friend. There have been no disputes or chargebacks in the six-month time period after the limitation was placed on my account, and thus I deny your claim that these payments pose a higher risk of chargebacks or disputes. With regards to the restriction placed on my account, I was notified about this as permitted under the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement. However, I was not given the opportunity to submit any documents through PayPal 's restore appeal steps, and a permanent limitation was placed without being given a chance to provide my identification. To support this claim, I am attaching my valid state 's driver 's license for your reference. If the same document was provided to you on XX/XX/XXXX, I will accept your claim that " Later that same day, we received a copy of a screenshot of a picture, which we could not accept. '' I will not process any further complaints to PayPal if my claim is declared invalid, but If my claim is right and valid, I would appreciate a thorough review of the situation again, keeping in mind the facts mentioned in this complaint. I have suspected a breach of my personal information and identity, and I can confirm that this information is being used to attempt to circumvent the limitations by creating new or additional unauthorised PayPal accounts. This is a violation of the User Agreement, and I request that PayPal register my complaint for " unauthorised account creation '' as this has resulted in another account with a negative balance using my personal sensitive information. I would highly appreciate a positive outcome to this issue. I would like to bring to your attention that I am not under any court orders or legal regulations that would require the implementation of the Restricted Activities, Holds, and Other Actions as stated in the User Agreement. Furthermore, I have not violated any of PayPal 's Acceptable Use Policy, which is only applicable to Business PayPal Accounts. Based on these reasons I decline your claim of holding my funds longer than 180 days, & I respectfully request the release of my funds or either the restoration of my PayPal account access. I am fully aware of the provisions stated in the Restricted Activities, Holds, and Other Actions section of the User Agreement, which states that PayPal can only hold the balance in my account if there is a risk of liability to PayPal or a third party, or if I have violated the Acceptable Use Policy. The hold may remain in place for longer than 180 days as per court orders, regulatory requirements, or other legal actions. However, in my case, none of these conditions apply. I am willing to provide any additional information that is needed to resolve this issue, and I am eager to cooperate with PayPal to have this matter resolved in a timely and efficient manner. As per the Electronic Fund Transfer Act ( EFTA ) and the Electronic Signatures in Global and National Commerce Act ( ESIGN ), PayPal must provide clear and conspicuous disclosure of its policies and practices relating to electronic fund transfers and the consumer 's rights and liabilities. I request that PayPal comply with these laws and provide me with the necessary disclosures. I hope this clarifies the situation and resolves the matter. Thank you for your time and attention. Sincerely, XXXX XXXX | ||||||
| 10/16/2022 | Yes |
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| Below is the information already submitted in closed complaint XXXX. We are now requesting you investigate PayPal. XXXX XXXX, PayPal was supposed to refund the restocking fee of {$200.00} to XXXX XXXX and XXXX PayPal account, and the balance to my account of {$4400.00}. Paypal sent the full refund to Another Company : XXXX XXXX and XXXX. We did not have any association with this company and refused to pull it back and refund us. To date we have not received anything from XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX has also informed us that XXXX XXXX and Plumbing is not them and they have no association with them, and XXXX XXXXXXXX XXXX XXXX has not been in business in years. And we are trying to find out what options we have. We were told PayPal does not have a statute of limitations on refunds. Can you please review this issue with PayPal for the full amount of {$4600.00} or even the less of the restocking fee of {$200.00} leaving our refund to be {$4400.00}? The PayPal account is under XXXX XXXX XXXX. The email is XXXX. I am hoping you can help me in recouping my funds from PayPal. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and PayPal shows no transfer back to XXXX or my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in anyone 's favor. PayPal advised they had ruled in ours but because we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been ongoing since XX/XX/2021 and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part, Paypal should refund {$200.00} for a restocking fee to seller XXXX XXXX and XXXX and the remainder of the {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}, PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/2021 and they no longer have our money and that XXXX Has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the seller. In speaking with the seller they advised that their Bank is still in XXXX the full amount. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything else please contact me. Previous Complaint details : I am hoping you can help assist me in recouping my funds from Pay Pal / XXXX. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and Pay Pal shows no transfer back to XXXX or to my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in any one 's favor. PayPal advised they had ruled in ours, but because we we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part PayPal should refund {$200.00} for a restocking fee to seller XXXX XXXX and XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/XXXX, and they no longer have our money and that XXXX has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. I am attaching documentation from XXXX, as well as the conversation between XXXX XXXX and XXXX and I. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further. | ||||||
| 05/31/2023 | Yes |
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| XX/XX/XXXX when I tried to transfer part of my direct deposit from work to pay a bill through VENMO and it would not allow me to do so. I got an email stating my account was temporarily restricted. I use Venmo for paying bills, I use it for daily purchases such as food and shopping because they offer rewards back on spends, I use it for my direct deposit and transfers to friends or payments from friends as well as for my art business and those transactions. I contacted VENMO and then received an email on Sunday, XX/XX/XXXX, XXXX XXXX EDT Hello XXXX, We have reviewed your account and believe you are engaging in one or more restricted activities as described in the Venmo User Agreement. Specifically, that your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties or other liability to Venmo, other users, or third parties. For that reason, future abuse may result in closure of your account and your Venmo Card. I responded : How so? Any dispute I have ever made with Venmo is a legit dispute and to question my legitimacy is actually very disheartening. I have used you for years and it seems as though maybe you dont deserve me as a customer anymore. They would not give me any answers when I called and sent chats through their app which I have copies of but the app allowed me to transfer my money from my account to my bank, XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX I received an email stating they have now froze my account and need proof of my identification government ID, so I did. I tried to contact them many times just to get a run around but was promised my account would be unfrozen after 7 days for them to look at it as protocol. In the meantime I set my work direct deposit up with XXXX XXXX instead since I was not sure how long this would take and I needed to get paid so I can pay my bills. My new direct deposit did not have enough leeway to route to XXXX XXXX and instead it still proceeded to attempt the deposit to my VENMO acct. I contacted VENMO yesterday with my employer HR rep on the line to try and get my direct deposit returned to XXXX, my employer. They told me they will not reject it and once my account is unfrozen only then will I receive my funds they are holding of {$2400.00} plus I already had {$200.00} visible in my VENMO sitting and am unable to transfer it to my bank or pull out. My employer said they can not send me my money until VENMO rejects the deposit and sends it back. Today XX/XX/XXXX I received an email from VENMO Hello XXXX, Thank you for sending us your ID. My name is XXXX, and your account has been escalated to me. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Regards, XXXX XXXX. Account Specialist | Venmo I replied What part of this agreement did I breach? Do I not have a right to that information? What is the purpose for holding my money for 180 days? What is going to happen to my direct deposit that has been sitting waiting to be deposited? I spoke with your team yesterday and they told me I would have access to my my direct deposit of {$2400.00} once you unfreeze my account. So now that the account will not be unfrozen, you need to return my direct deposit back to XXXX so they can handle my funds safety and properly. If this does not happen by the end of this week I will be getting my attorney involved because at this point you are stealing from me. There has been no response. Bills are due and I have no access to my money. I have lost my Venmo card several times in the past few years. I have made a few purchase disputes as well. Please help! | ||||||
| 12/31/2021 | Yes |
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| In XXXX I had several horrible experiences with PayPal through fraudulent merchants. Both my bank and PayPal refunded my money. In XX/XX/XXXX, I asked PayPal to close my account. *I was told because I had a nominal balance of some cents, that I could not close the account. However, it was suggested that if I donated the amount left in the account held with PayPal to a PayPal affiliate, that after donation, the account could and would be closed. I donated the amount left in my account, closed my online account, and cut up the debit card. On XX/XX/XXXX, I received and email from PayPal explaining that a nominal amount of {$.00} was being forwarded to my checking account from XXXX - a Merchant that I havent and will never use again. I called PayPal again and asked how did they have banking ( routing and account ) information when my account was closed over a year ago. No answer. I demanded that they close the account again. Again, two representatives told me that I could not close the account because I had {$.00} in the account. XXXX, the first rep transferred me to XXXX, the second rep stating that I had called in a debit card controlled line? How? My account was supposed to be closed in XXXX. XXXX, the second rep, repeated that I had a balance of {$.00} and that I could not close the account. XXXX suggested ( again ) that I could donate the account balance to an affiliate of PayPal, this was the only way unless I spent the balance of a mere {$.00}. I agreed once again to donate the amount and to close my account. As I am speaking with PayPal and as I had already gone in several times rebooting my phone and other ways to to see if I could physically remove my banking information but to no avail, I decided to try removing my personal banking account information while on the phone with PayPal. But when I clicked on the button to either change or add account information, it would not open. I got an email, the same kind of email that I received in XXXX stating that account has been closed. This time I called my bank and described the problem because obviously I made a huge mistake allowing PayPal to have access to my personal banking information for which they are holding hostage and using without my consent as I asked in XXXX to close my account. Which they had not. My bank ( XXXX ) has told me that they can not block PayPal however, after I have contacted others in regard to this issue with PayPal, that the bank would change my account number. This for me would take an enormous amount of time and effort - having to contact and change any and all of my banking preferences and businesses that I use daily with my personal banking account information? Are you freaking kidding me??? Why do I need to do this? And why does PayPal have the right to hold within their database any information pertaining to my personal banking account information once I have asked and they confirm that the PayPal account is closed? This is the second time that I have had this issue with PayPal. What can I do? Most employees at PayPal dont speak English well enough to have an intelligent conversation so its a mute point. How can PayPal hold my account in their system database and use MY PERSONAL BANKING INFORMATION AT WILL when I have asked them to remove my banking information and to close my PayPal account? I do not want any affiliation under any circumstances with PayPal and I certainly dont want PayPal holding ( hostage ) my personal banking information that they are only entitled to upon permission from me. Who can I write aside from PayPal who obviously doesnt adhere to rules, to be assured that all account information pertaining to me is removed from their system? Furthermore, I have no knowledge of having a billing agreement with XXXX- a merchant. XXXX is not a reliable merchant and I would never agree to anything concerning XXXX. I am sick and tired of PayPal and its devious underhanded ways to conceal and hold hostage my account information in their database. Furthermore, my name is incorrect in PayPals database. When I realized that back in XXXX and while I was still using PayPal to purchase online items or from merchants, I did as requested and forwarded via PayPals secure online server, twice, my divorce decree and social security card showing my name change which happened over 10 years ago. To no avail. My name is not XXXX XXXX XXXX It is XXXX XXXX. I hate this company and all I am asking is that someone help me to rid PayPal from my life forever! Please. | ||||||
| 11/06/2022 | Yes |
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| Hello. My name is XXXX XXXX and I have been a PayPal customer since XXXX. Last week I got a limitation on my US business PayPal account XXXX The reason of limitation described in email is as follow : " After a review, we decided to permanently limit your account as we detected activity on this account that is in violation of our buyer protection policies. '' In XXXX I started my own business. I created my first business PayPal account XXXX to my XXXX XXXX XXXX I have an XXXX XXXX for XXXX XXXX XXXX ) with several hundreds of XXXX XXXX. My XXXX is XXXX XXXX XXXX XXXX XXXXy. To XXXX XXXX XXXX it is necessary to register an account, download XXXX XXXX XXXX, install it and run on XXXX. On a game website there is a page which allows you to buy virtual currency ( points ) using PayPal. There are several options available to purchase ( XXXX ). When you click the desired option, the website redirects to the PayPal payment page. After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values ( iXXXX XXXX Each user authentication in game is logged to my records system as well as all purchases in the in-game store so I am able to check and prove that the player logged to the game and spent purchased virtual currency on game values. I have had this XXXX XXXX since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is XXXX of the most popular among current games ( especially in games on mobile phones ). I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. On my XXXX PayPal account I passed all PayPal verifications ( I had about XXXX different checks from PayPal ) and used it for several months. I had XXXX completed orders ( XXXX, XXXX ) and a good seller reputation. I have worked closely with PayPal support to improve my customers ' experience as requested by the PayPal staff. My record system is designed to show PayPal my XXXX XXXX as clearly as possible. And not to put a shadow of doubt about the fulfillment of my orders. Everything was going great but in XXXX of XXXX PayPal stopped working in XXXX because of the XXXX XXXX to XXXX and I can not use my account XXXX anymore. Due to these circumstances I relocated to another XXXX and spent my next months to create a XXXX company. I have come this long and hard way in order to continue working with PayPal. After that I registered this PayPal account XXXX. I continued working with PayPal with my new account. But after 2 weeks I got account limitation. I tried to contact PayPal support to get an explanation of my limitation but 3 times got just the same message that their decision is final and " PayPal reserves the right to close any account reported to be involved in possible fraudulent or high-risk behaviour ''. Once again, I carefully read the PayPal rules and made sure that I did not violate anything and my business was not involved in any kind of fraud. Considering that my XXXX XXXX not involved in any kind of fraud, and is also quite popular in the XXXX XXXX segment, and also on the basis that I have already passed all the necessary checks and have extensive experience and a large number of completed orders on my previous paypal account, I believe that I have a chance to be a PayPal XXXX and run my absolutely legal business with PayPal. I am always open to cooperation and ready to provide all the necessary documents and evidence. If you still consider my XXXX XXXX as risky, then I am ready to have some kind of restrictive measures, such as freezing funds for a while after receiving payment from the buyer. If something needs to be changed in XXXX XXXX I am ready for that too. I have been a PayPal customer for a very long time, my journey starts from the time when I was an XXXX XXXX Receiving a restriction in the form of the inability to conduct any of my business with PayPal is a real tragedy for me. I have made a lot of efforts to work with PayPal and I hope that our cooperation will not stop there. Best Regards, XXXX XXXX. | ||||||
| 08/07/2023 | Yes |
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| On XX/XX/2023 I had chose PayPal option to send my boyfriend a payment to pay our rent through XXXX XXXX for the amount of XXXX. I tried sending using my PayPal balance account money and it first had declined it just said could not process it, however it was deducted still and " sent '' completed by PayPal but XXXX said cancelled. I contacted XXXX and they said they sent the payment then declining it right after so they could not send it they cancelled it and any money taken was refunded instantly. I contacted PayPal they said no refund was given both companies advised the time frame for all refunds were to be given before any dispute or investigation. It had been a few days after PayPal said to file a dispute while I was on the chat messages for XXXX I did they closed it right away since one of 3 options they said did not fit criteria, that failed. I was given " rest assured '' we will not let you lose your money, and XXXX gave me all the info and screenshots to show PayPal that they refunded it, and also that it was an error to see why that PayPal had the issue sending and receiving refund to begin with. I know the amount on the refund was XXXX and the payment sent was for XXXX XXXX confirmed that was the correct amount refunded under that transaction, and when I requested it I did XXXX at first adjusted it to XXXX just in case it had a fee, but it was confirmed it was refunded. PayPal claims they have no issue on refunding or sending I sent my boyfriend bill money and he has sent me money using XXXX all the time my first time using PayPal to send. XXXX had sent me money with XXXX into my PayPal account but I never to him with it just this time it failed on one end and was sent as completed on other end. Same transaction status was recorded for 30 days on PayPal then after 30 days it changed to Hold for chargeback, reversal or dispute. I contacted PayPal and I did a 3 way call to XXXX to tell them no refund was sent XXXX has failed to resolve anything after they opened another claim. Last response was PayPal is the issue on payments again, and for the 10th time to upload the statement showing no refund was sent and no response to that since 6-7 days ago again. PayPal claims there is no hold on account, and I get I have to contact PayPal to resolve anything, from XXXX. I need them to communicate my single attempt to send with PayPal Balance for XXXX had been missing for over 35 plus days now. Basically PayPal said I am not covered under any protection for Friends and Family personal payment, although is that even legal if they declined it and caused the problem to begin with? Completed it said but if they wont allow it to be sent to recipient then they are probably not allowing it come back either.. I have used hundreds of times XXXX on XXXX to send and receive money and if an issue was caused they always fixed it and I know PayPal is easier to contact but they should be the one to tell me why it was declined to begin with, and why the status is changing saying a hold is in place after 30 days, due to the dispute I was told to open to get resolution, and the choice I made was unauthorized access, being the only one that was close to even dispute it. They all say well the dispute wad closed because you put unauthorized access, and yes I explained it was best option. I also showed them the screenshot of the message inquiry about it on day 1-2 they had a XXXX XXXX attached to the 2nd failed attempt that was declined as well. Also saying that the payment was to XXXX I initiated it to XXXX for the XXXX and the payment showed as XXXX but corrected when XXXX said it was XXXX for confirmation that was sent not the XXXX that stems from the request starting at XXXX and I adjusted it to XXXX in case of fees. It was refunded and PayPal is having a error receiving it and needs to check and contact XXXX. I am the Consumer who had to be sent as the middle man to both places for weeks to get anyone to respond, supervisor at PayPal said sorry I know how this seems unfair but they can not do anything more, and I am not going to receive funds unless someone on XXXX end finds error and corrects it, feel the same way with PayPal though. I have to be covered under some law they can not just keep money, and not fix it on both ends this is not a normal circumstance of a sent declined and refunded payment it is not a small payment. PayPal also kept suggesting file a chargeback with Bank knowing they were the payment provider of balance not a bank institution | ||||||
| 06/08/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Urgent Complaint - Case XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, Inc., outlining the XXXX XXXX XXXX my case, identified as XXXX. I am XXXX XXXX, residing at XXXX XXXX Coast Highway, # XXXX, XXXX XXXX, CA, XXXX. I am deeply frustrated and disappointed with the handling of this case, as PayPal has demonstrated a disregard for the facts, engaged in misrepresentation, made false promises, and closed support requests without providing any resolution. I would like to bring your attention to the specific sequence of events and the lack of adequate response from PayPal. On multiple occasions, starting from XX/XX/XXXX to XX/XX/XXXX, I attempted to contact PayPal via their message center regarding this issue, but my attempts were met with XXXX resolution efforts from any agent. Instead, I received false assurances about problem escalation, and cases or messages were intentionally closed without any response or resolution. XXXX of the most concerning aspects of this case is the chargeback for the disputed amount of {$480.00} USD, which was overturned by PayPal without a satisfactory explanation. I have provided substantial evidence to support my claim and clearly demonstrate that the issue was resolved in my favor, resulting in the chargeback being reversed. However, PayPal has disregarded this irrefutable evidence, undermining the integrity of the dispute resolution process. Furthermore, PayPal representatives repeatedly assured me that my case would be escalated and resolved by the appropriate department or team. Unfortunately, these assurances turned out to be false, as no action has been taken to address my concerns. Despite following all recommended procedures and providing all requested information, PayPal has failed to honor its promises and provide a meaningful resolution. This repeated betrayal of trust and breach of commitment is completely unacceptable. The closure of my support requests without providing a satisfactory solution adds to my frustration. It demonstrates a lack of commitment to resolving customer issues and highlights a systemic failure within PayPal 's customer support. This dismissive approach not only perpetuates the ongoing problems but also leaves me without recourse, exacerbating the distress caused by this ordeal. To address the seriousness of this situation, I have already filed complaints with various agencies, including the CA XXXX Attorney General XXXX XXXX for XXXX XXXX, Better Business Bureau, Federal Trade Commission, Office of the Comptroller of the Currency, Federal Reserve, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Additionally, I have engaged legal representation, and both my attorney and the California Attorney General will be contacting PayPal directly regarding this matter. The implications of PayPal 's mishandling and negligence extend beyond mere dissatisfaction and can have far-reaching consequences for the company 's reputation and legal standing. Considering the evidence provided and the severity of the situation, I am urging the Consumer Financial Protection Bureau to conduct an immediate and thorough investigation into my case. It is essential for PayPal to rectify the disputed amount of {$480.00} USD and provide a comprehensive explanation for the inconsistencies in its handling of this matter. I insist on receiving regular updates on the progress made in addressing my concerns, and I request that all further communication be conducted in writing to ensure transparency and maintain a documented exchange. I implore the Consumer Financial Protection Bureau to consider the implications of PayPal 's actions and the potential repercussions resulting from its disregard for customer rights and fair dispute resolution. It is imperative for PayPal to restore my trust in its commitment to customer satisfaction and address the systemic failures that have contributed to this ongoing ordeal. I expect a prompt and satisfactory resolution to this matter, XXXX that not only resolves the dispute but also demonstrates PayPal 's dedication to remedying its mistakes and upholding the principles of integrity and accountability. Thank you for your attention and assistance in this matter. Sincerely, XXXX XXXX PayPal Account : XXXX XX/XX/XXXX | ||||||
| 05/21/2019 | Yes |
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| On XX/XX/XXXX I received a letter from a debt collector, XXXX XXXX. The letter was a notice of debt owed to PayPal for the amount of {$270.00}. I do have a Paypal account, but use it very infrequently, maybe once a year ... maybe once every two years. I did not recognize the sum and the letter was surprising. It looked like junk mail, I'm glad I opened it. I went online and checked my Paypal account. The account was normal, in good status, a XXXX balance, all payments in the history tab had cleared. I assumed at that point the XXXX XXXX letter was junk, a scam, etc. I was ready to toss this piece of mail, but did a online search for " Paypal XXXX XXXX '' and boom, a whole slew of hits popped up dated from XXXX to XXXX. Clearly this same scenario has been played time and time again for nearly a half decade ; and it continues today. At this point I called Paypal ( a one hour wait for every call and transfer ). The Paypal rep confirmed that my account was in good standing, saw no suspicious activity, and knew nothing of the collection letter or had any answers for me. I called the number on the XXXX XXXX letter. I talked with a XXXX rep. At first the rep appeared to be helpful in solving this problem, but after a short time I felt I was being baited into saying " yes I have used Paypal before '' and " yes I do have a XXXX email account '' ; in this day in age it's like saying " yes, I breathe air ''. I said I felt uncomfortable with the call and was going to hang up and did. But before I hung up I did deny knowing anything about the debt or the Paypal account used to create it. What I did get out of the conversation is that my NAME and ADDRESS were used to create a Paypal account and the fraudulent Paypal account was linked to a XXXX account ( I don't believe my credentials were used to start the email account ). I also got the impression a bank account that was not mine or in my name was used to link to the fraudulent Paypal account. XX/XX/XXXX I did find time to once again call Paypal to remove my name from the debt and get some answers. After a few transfers I was able to talk to one rep in the fraud department who was able to use on of the account numbers on the XXXX XXXX letter to pull up the fraudulent account information. The rep was able to confirm what I had learned from XXXX ; which was this : Paypal allowed : 1. A second Paypal account to be created in my name with the use of two pieces of information about me : my NAME and physical ADDRESS. 2. A new XXXX and Bank account ( not in my NAME ) were linked to the fraudulent account. 3. The fraudulent PayPal account was then used to make one or more transactions. Then the XXXX and Bank account were then closed. After some Q & A with the Paypal rep, I was told the fraudulent account and debt would be escalated in the fraud department for further investigation, but that I was clearly not a part of this scam. The rep assured me that the account and debt would be cleared with XXXX ; and this process could take 3-4 weeks. I would be notified via email when the issue was resolved. By XX/XX/XXXX I still had not received such an email or any other communication from Paypal. On XX/XX/XXXX I received a second letter from XXXX XXXX. The body of letter stated that XXXX had received my claim of Identity Theft and had forwarded it to the original creditor ( Paypal ). The creditor responded and indicated the Identity Theft claim was not valid. On XX/XX/XXXX I called XXXX XXXX. The rep confirmed that Paypal had denied the Identity Theft claim and the debt account was still open ( and XXXX is still attempting to collect the debt from me ). Later on XX/XX/XXXX I called Paypal again. After many hours of holding, transfers, and callbacks seeking a qualified rep who had the aptitude to understand the issue and trace down the fraudulent account, I was able to speak with someone who ( once again ) said they would escalated the account to the PayPal Collections department for another look. I did get a direct phone number for PayPal Collections ( not an easy feat ) so I will follow up with that number tomorrow. What I did find disturbing about today 's conversation with the Paypal rep, is that the fraudulent account was still active ... the rep froze it for the first time today. It's disturbing to me that this loophole in the Paypal system has been exploited for over a half-decade and Paypal is turning their clients who are in good standing over to debt collectors. | ||||||
| 11/06/2023 | Yes |
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| and asked for identifying information to verify account ownership including a photo ID and a bank statement. The requested information was uploaded, and, following this, the account was permanently limited right away. I have only used that Paypal Business account to make purchases on XXXX. Since registering for this business account, Paypal has continuously imposed limitations on the account whenever a large purchase was made and engaged in blocking purchases due to what they call " risk '', even though all this activity constituted was making purchases on XXXX. Finally, as mentioned above following a series of large purchases the account was limited permanently. I submitted a complaint with XXXX XXXX XXXX XXXX XXXX ) and Payal claimed that the account had been permanently restricted due to several reasons. The first, the account is linked to other accounts that had limitations placed on it. The second, the geographical location the account was accessed from was inconsistent with the place registration and this in itself means a high level of risk/fraud. They have also noted making multiple accounts violated their terms. In regards to the first reason, Paypal claims that because the other accounts the original account that was permanently limited was linked to other accounts that have had some limitations with an ID document, the account was permanently suspended. The account itself has not actually engaged in any unauthorized or illegal activity ( that I have been able to obtain an explanation for from Paypal ) and was simply in part permanently suspended because of a link with another account that had a partial limitation. Never mind that it was not explained why the other accounts were limited in the first place, but because they never engaged in unauthorized conduct. Paypal is suspending an account that has been leigitimately used for several months for XXXX purchases. Paypal also claims making multiple accounts is against their terms, which is not consistent what Paypal agents have stated to me when I inquired with them on the phone multiple times. Paypal records conversations with agents, and this can be verified if necessary. I have been told by Paypal phone agents that having multiple business or personal accounts is okay and is possible, as long as they are registered under a different email. At no point was it mentioned that this is against Paypal terms. Paypal is falsely claiming that " our review indicates that you attempted to circumvent the limitations on your accounts by creating new or additional PayPal accounts, which is a restricted activity as defined in the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement ''. I did not create new paypal accounts to circumvent anything ... as stated before, phone agents working for paypal have stated opening several accounts is acceptable. As far as the limitations, Paypal claims the limitations placed on the account were due to risk, but they have been completely arbitrary and made using the account extremely difficult, even when my only use of this account is for legitimate purchasing activity on XXXX. Of note, every time the account was limited, I have complied with providing the information required every time it was requested, and the information/ IDs that i submitted was found to be legitimate. Yet the account continuted to be limited. Paypal also claims because the account was accessed from different geographical location, this increases the level of risk due to fraud. This is a completely arbitrary assumption because then this means someone who has registered for a Paypal account in a certain location and is travelling are using it for fraudulent purposes. This does not make any sense. Just because an account is being accessed from a different location does not mean the access is automatically fraudulent. I've attempted to ask Paypal to provide a detailed explanation of WHY the account ( s ) were actually limited, beyond linking with other accounts/opening several accounts and WHAT activity was unauthorized. Paypal has responded several times with repetitive and vague reasoning given above. When pressed for a further explanation of what activities conducted by the account were actually restricted or against the terms, they have continued to be vague and to refer to the reason for suspension th link with other accounts ( again, as Paypal phone agents have stated opening more than 1 account is fine ). | ||||||
| 10/25/2018 | Yes |
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| I was the victim of identity theft and Paypal did not protect me. They instead tried to accuse me of authorizing charges I didnt make. Friendly Fraud is the term they used. They refused to acknowledge my explanation of the circumstances and their judgment is not backed by any proof other than opinion. Yes the suspect was in my house and had access to my computer. No, he was not allowed to go into my private accounts, use my debit card and I never gave him my pin number. This I believe happened as he watched me do transactions in the supermarket line. This was a long time friend who was going through hard times and I had no reason to suspect. I certainly did not conspire with him. I in fact reported him to the police and the FTC as soon as I moved into another place and didnt have to worry about any sort of retaliation. Paypal had promised to reimburse me upon receiving the report as their additional evidence. I admit I had made an error in the math at the time, as there statements are not the easiest to interpret and I panicked seeing the money gone from my account. The police officer however very kindly went through the statement with me and we came to the correct amount. XXXX XXXX XXXX was also very helpful as they issue debit card was used there also and they have been nothing but supportive in helping me take steps for criminals to access my data. Only Paypal did not honor their consumer protection policy. They just wasted hours of my time having me write appeals, calling them numerous times each time with a different representative who I had to explain the case all over again from scratch. Notes were not taken as promised by customer service until the very end. The end results instead were heavy and unfounded accusations against me in regards to the honesty of my character. They in fact invented dates of events completely in the wrong order in which they clearly contradict themselves with their inconsistencies. They dont seem to have even bothered investigating my case fairly or properly and this is shown in their rebuttal they wrote to my complaint of the Department of Business Oversight. Had they properly proofread their rebuttal then they would notice it was sloppily put together and full or errors. Please see the following : Paypal claimed that MasterCard had the final word in rejection towards my case and their hands were tied. Yet in this letter, they clearly refer to themselves as the ones who re-reviewed and decided on the final outcome. Paypal claimed that I had logged into my account on XX/XX/XXXX and reported online fraudulent transactions that took place between XX/XX/XXXX and XX/XX/XXXX. I reported them on XXXX XXXX. The correct ending date was XX/XX/XXXX as I am not able to actually report transactions before they happen. They initially covered my loss on XX/XX/XXXX, for the total and correct amount of {$330.00}. Paypal claimed to have sent me an email notifying me of the denial of my claims on XX/XX/XXXX. Again a month before I had made my claim? The only emails I received from them were on XX/XX/XXXX stating that my claim was denied and on XX/XX/XXXX telling me I need to pay them {$300.00} as I would be put into collections. Additionally, a company named XXXX XXXX accidentally sent funds into Paypal account instead of my XXXX XXXX XXXX. I had no way to refuse or cancel the transaction as I was not allowed to access my account! Paypal just took the {$82.00} and refused to reverse it to XXXX XXXX. Even though XXXX XXXX requested this on my behalf, and the policy of Paypal states the person who sent the money is the one who can request to have it reversed. Finally, earlier in the year I had taken my cat to a vet and asked Paypal to please chargeback the {$49.00} I was forced to pay. The reason for this was because the vet did not provide the service that I came in for. They in fact tried to change the price that was promised me over the phone to nearly double what they quoted for some flea medication. They then held my cat hostage unless I paid them that money and didnt even treat her. The poor animal was sitting shivering in a freezing dirty room by herself, for no reason and it was sickening. Worse was being forced to pay have my animal abused. Three times I called Paypal over this issue. Each time they promised to take care of it and not once did they do that either, with their consumer protection policy. This was to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX. | ||||||
| 11/29/2019 | Yes |
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| The company in question is PayPal, with which online payment service I have had an account since XXXX. Beginning on XX/XX/XXXX and running through XX/XX/XXXX, I received 49 " payments '' from so-called " buyers '' ( from overseas and within the U.S. ) in the amount of XXXX cents. In some instances, I received this XXXX cent payment as many as five or six times from the same buyer ( typically on the same day ). I didn't realize that my PayPal account had been hacked/compromised until around XX/XX/XXXX ; in fact, I only thought to check my PayPal account because I kept receiving spam calls on my office phone ( three and four times a day ) from a phone number ( XXXX ) that brought up a false caller ID of " PayPal. '' Once I checked my PayPal account, I noted a negative balance of {$350.00}, and the 49 fraudulent transactions. I immediately called PayPal, and I have not been able to get PayPal representatives to elevate my situation to a " Fraud '' and " Security '' department ( I'm beginning to wonder whether they even *have* a Fraud and Security Department ) and I am trapped making endless calls to their " customer service number '' ( XXXX or XXXX ), only to be put on endless " hold '' and then to connect with someone who may or may not have the least idea a ) what's going on ; b ) how to address my situation ; c ) who is in any way trained to address my situation. Over the course of three weeks, and with close to 20 separate calls made to PayPal, I've connected only three times with someone who ( I thought ) understood how to address my situation, although in the end, none actually elevated the situation to a researcher or resolved it. On XX/XX/XXXX, I connected with a PayPal rep named " XXXX '' who admitted that my account had been compromised and credited my account in the amount of {$350.00}. ( I still have her voicemail recording saved on my computer. ) She apologized for the inconvenience and assured me that all had been remedied. Two days later, I found a new negative balance in the amount of {$140.00}. Once again, endless calls until on XX/XX/XXXX, I connected with a person named " XXXX '' who, like XXXX, credited my account for the {$140.00}. Within a few days, a new negative balance appeared. It was only when I connected with someone named " XXXX '' that I learned that I was accruing " PayPal '' penalties ( {$20.00} per XXXX cent charge ) for failing to refund the so-called buyers their XXXX cents. XXXX helped me to refund 24 of the 49 fraudulent " payments, '' but as it stands, the credit card/financial institutions of at least 25 hacked/faked/defrauded buyers have opened up a case against me and my PayPal account. I make endless calls to PayPal, and I get completely different responses about how to protect myself from these claims and how to shut down my PayPal account. I spent XX/XX/XXXX messaging PayPal reps, one of whom ( " XXXX '' ) assured me ( XXXX XXXX ) '' We will dispute this case with the buyer 's financial institution. No further action is needed at this time from your end. '' Two hours later ( XXXX XXXX ), I received a message from " XXXX, '' who writes, " Please know that these cases were filed by buyer 's card company and PayPal do not have any control on these cases as the decision will be made by their card company. As there are multiple cases, I request you to speak to our phone support team so that it will be easy to give you updates. '' This is the nightmare I've been suffering since I discovered the hack on or around XX/XX/XXXX. PayPal never contacted me saying " we have noticed unusual activity '' : no phone call, no alert. I discovered the hack on my own. And I've spent hours -- during work -- waiting on hold to speak with a member of PayPal 's " phone support team, '' which is largely made up of incompetent, script-wielding nincompoops who don't know what to say or how to help me. Pretty much, this " support team '' is a firewall that keeps customers from getting to anyone approaching " support. '' Will the Consumer Financial Protection Bureau please, please help me? I am trying to shut down a corrupted PayPal site, and no one at PayPal will help me or intervene or research this fraudulent activity. I am being victimized twice over : by the original hacker or hackers ( what XXXX described as my " harasser '' ) and by PayPal itself. I have screen shots of the 49 transactions ; I have screen shots of my conversations with PayPal reps. Please help me. Please. | ||||||
| 10/21/2020 | Yes |
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| My complaint is with PayPal. I have tried rectifying this issue tirelessly since XX/XX/2020. PayPal customer service has been outsourced and most likely to robots. You can not speak to a live person. You have two options : 1 ) file a dispute about an exact transaction or 2 ) start an online chat for anything else. When you start the online chat, it pushes you a bunch of useless articles. Over an entire month, I have been fighting this robot system. Every now and then, what appears to be a human, sort of responds but mostly it's more of the same ... ..articles and generic talk. Here is the story. My account was hacked. Point blank. PayPal even admitted that my account had been hacked. Hackers upgraded it to a business account, and it appears they tried to apply for a PayPal Debit Mastercard. Before knowing this, I transferred money to a friend & that friend alerted me to this issue b/c the incoming email they got from PayPal said, " you have received money from " XXXX XXXX XXXX XXXX XXXX ''. My account name is not XXXX XXXX XXXX XXXX XXXX, my account name is my full name. Also, when I logged in, my entire PayPal interface was written in XXXX. This is when I requested help from PP and began the indescribable journey. However ; I realized no one can help me. I forwarded the email containing " XXXX XXXX XXXX XXXX XXXX '' to XXXX but no answer. I embarked on 100s of useless conversation in the online chat feature. On XX/XX/2020, I finally got a decent message back from what appeared to be a human. At this point, I was demanding a call from an agent. This person said that indeed, my account had been hacked and they corrected the weird name and downgraded it to a personal account again. Here is the ticket # they issued to request someone call me. No one has ever called as of XX/XX/2020 ( Ticket ID : XXXX ). However, you can imagine that simply 'correcting the hacker 's actions ' was not going to leave me feeling comfortable. Especially now that I have gotten a taste of what PP has to offer for customer service. So, next problem. I want to completely quit PayPal and delete my account but they won't let me. XX/XX/2020, about two weeks after this all started, I got an automated email from PP saying " we need information from you for the PayPal Debit Mastercard you applied for ''. I never applied for a Mastercard. The email from PP had a case # in it and I verified the case number against my account so I know it is a legit case # within PP. Someone has actually applied for a MasterCard in my name and PP is requiring me give them info to clear this request. This is more of the same and I stressed my concern over this new email to the chat feature but the robots are incapable of having a complex human conversation so it went nowhere. Getting hacked is a part of life, I'm not as concerned about that as I am the inability of PP to help a customer or the level of extortion they are engaging in. This is the main reason I am writing. I will do my best to explain this but PP has left me with nothing but assumptions b/c only robots talk to me. My account has gone into " Limitation Mode '' b/c of the hacker 's actions. I don't know if it has to do with the hackers applying for a credit card or what may have caused the " Limitation ''. All I know is that you can NOT delete your account with PP until you clear the Limitation. Here is what they require to clear the Limitation : 1 ) Upload my photo ID, 2 ) Provide proof of my address, 3 ) Provide proof of my SSN. I'm not about to provide even more confidential information to a company I have zero trust in and operates by robots. I have yet again been down the rabbit hole of exhausting battles over chat to explain this situation. I demand to close my account and the robots keep saying " you can't close your account until you have cleared the Limitations, have a good day! ". They are unbelievable. The last message I had, the agent said point blank " you have no other options. '' This is a version of extortion. PP is requiring me to give up information on myself to close my account ( an account which is linked to my bank account ). I have since placed a stop payment on my linked bank account & will freeze my credit report. As it stands today, this account will never be closed unless I provide the items mentioned above. I will not do it. I need some serious help from anyone who will listen to me. I have tried every single avenue I can think of. Thank you. | ||||||
| 11/03/2020 | Yes |
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| Hi PayPal, I would like to request a review for my permanently limited account. I am a XXXX from XXXX and I XXXX XXXX here in the XXXX. After receiving a payment for my most recent sale, I was temporary limited. I immediately knew someone was wrong when I received payment from the person I transacted with. His name was XXXX XXXX but the PayPal account he used to pay me was under the name XXXX XXXX. XXXX XXXX is a XXXX but the account he used had an US address. He actually also paid another friend of mine for a different transaction, and the same thing happened to him. I submitted all the requirements to appeal the temporary limitation and after a few days I was permanently limited. I tried reaching to your customer service in all channels, but either I get no response or they cant help me. I finally got in contact with one of my friends working in PayPal and he said that my case was NO APPEAL because I violated one of your user agreement policies and that I was doing currency exchange in PayPal. I assure you that I dont do currency exchange in PayPal, and only use USD as my buying and selling currency. Please reconsider my case I badly need my PayPal account especially since I have a few refunds from XXXX incoming and other XXXX purchases to pay for. I have XXXX USD locked in the account for 180 days, and that is quite a big amount of money I think I have the right to defend myself to the best of my capabilities so I have listed down all my transaction with PayPal with an honest explanation for every single one of them. Furthermore, after doing a lot of asking around here in the XXXX, it seems like the person I transacted with XXXX XXXX is involved in currency exchanges. I did not know this at first and some people vouched for him that he is a legitimate buyer, but little did I know he is involved in it. Trans. ID : XXXX Date : XX/XX/XXXX + {$29.00} from my friend who owed me. Trans. ID : XXXX Date : XX/XX/XXXX + {$220.00} from my friend who owed me. Trans. ID : XXXX Date : XX/XX/XXXX - {$150.00} bought something from XXXX Online Trans. ID : XXXX Date : XX/XX/XXXX - {$90.00} bought something from XXXX Trans. ID : XXXX Date : XX/XX/XXXX + {$120.00} borrowed money from a friend for an XXXX purchase Trans. ID : XXXX Date : XX/XX/XXXX - {$130.00} bought the XXXX purchase I was referring to Trans. ID : XXXX Date : XX/XX/XXXX + {$130.00} seller refunded money because he can't ship to the XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$75.00} bought a similar item on XXXX because previous seller can't ship to the XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$61.00} lent a friend money Trans. ID : XXXX Date : XX/XX/XXXX + {$360.00} friend asked me to buy something on XXXX Trans. ID : XXXX XXXX : XX/XX/XXXX + {$740.00} friend asked me to buy something on XXXX Trans. ID : XXXX Trans. ID : XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$360.00} per transaction. bought the items that me and my friends were going to buy Trans. ID : XXXX Trans. ID : XXXX Date : XX/XX/XXXX + {$150.00} payment for selling an item Trans. ID : XXXX Date : XX/XX/XXXX + {$550.00} payment for selling an item. THIS IS WHERE I THINK, PAYPAL BECAME SUSPICIOUS. THE PERSON I SOLD TO WAS NAMED XXXX XXXX, BUT THE PAYPAL ACCOUNT USED TO PAY ME WAS XXXX XXXX. I DON'T KNOW THIS PERSON NOR AM I ASSOCIATED WITH HIM. IT WAS AN HONEST SALE TRANSACTION. BUT I WAS IMMEDIATELY LIMITED AFTER THIS. THIS AS NOT MY FAULT. I DID NOT KNOW THE PERSON WAS SUSPICIOUS. PLEASE BAN HIM NOT ME. Trans. ID : XXXX Date : XX/XX/XXXX Cancelled payment of {$550.00} I was just testing if I could still send money right after I received money from " XXXX XXXX '' but I can not since PayPal already flagged me. THERE WAS NO CURRENCY EXCHANGE INVOLVED, I DONT EVEN KNOW WHAT YOU MEAN BY THIS? DO YOU MEAN CONVERTING THE USD I RECEIVE TO XXXX? AS YOU CAN SEE, I NEVER DID THAT. AND I DID NOT KNOW THE XXXX I WAS SELLING TO HAD A USA PAYPAL ACCOUNT. PLEASE UNBAN ME I HAVE REFUNDS INCOMING AND THEY CANT PAY ME BECAUSE OF THAT. I AM MORE THAN WILLING TO GIVE BACK THE {$550.00} I GOT FROM " XXXX XXXX '' JUST PLEASE UNBAN ME. I THINK I HAVE THE RIGHT FOR A FAIR TRIAL WITH PAYPAL SO PLEASE RECONSIDER YOUR DECISION. Also I would like to notice the person I was transacting with XXXX XXXX XXXX has more than 1 PayPal account, most of which are not under his name. Please do investigate on him he has been affecting a lot of people here in the XXXX with his shady accounts. | ||||||
| 12/26/2020 | Yes |
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| I filed a chargeback request with my bank and with paypal under the seller protection policies of paypal as we paid {$6500.00} for digital marketing services that were never delivered. Below is a full copy of our complaint. We still have not received a refund. XXXX XXXX XXXX XXXX Claim Summary I am extremely unhappy and frustrated with this entire process and am prepared to file followup complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorneys General Office if need be. After putting much thought into this I have decided that it is in the best interest of my company not to move forward and hereby request a full refund for the two payment amounts of {$4000.00} and {$2500.00}. I have outlined my perspective below and reasons for taking such action. From the start of this project, constant excuses and delays were made as to why delays were taking place and things going on in the owners personal life. It is not my place to judge someone from what is happening in their personal life but when it comes to business it is no excuse. Under the projected goals section of the Scope of Work Contract the following promises have not been met. I will outline the Goal verbatim from the contract and then what work, if any, was actually completed. Goal # 1 As Stated : Create Customized Funnels Through Click Funnels For All Of The Brand Elements Of The Credit Connection. Goal # 1 Result : Few funnels were created, and the ones that were created were thrown together by what looks like a first grader. The funnels are one of the most important aspects of this whole project and after seeing the initial work, I was extremely displeased. Most certainly funnels were not created for all of the services we offer as promised in this portion of the Scope of Work. Goal # 2 : Create XXXX, XXXX, and XXXX XXXX XXXX. Goal # 2 Results : Business credit and credit repair ads created, no ads created for funding, credit building, or aged corporations. The ads that actually were created performed terribly and XXXX claimed it was a XXXX issue, however when I hired another company to complete this task they accomplished it easily and quickly, making no blame to XXXX. Goal # 3 : Create An Optimized Keyword Strategy For XXXX XXXX Goal # 3 Results : No Keyword Strategy was ever created Goal # 4 : Create Campaigns For XXXX and XXXX XXXX That Will Compel Users To Take Action Via Lead Generation and or Conversion based ads depending on materials provided by client ( webinars, videos etc ) Goal # 4 Results : Few campaigns were created, and none of them were compelling or up to industry best practices. Again, it was as if they were thrown together by a XXXX XXXX XXXX. Goal # 5 : Implement XXXX XXXX XXXX Goal # 5 Results : While this was completed, it was completed by us with little to no assistance from XXXX. Goal # 6 : Implement XXXX XXXX XXXX For Tracking Ad Conversions + XXXX XXXX. Goal # 6 Results : None of this was ever accomplished. Goal # 7 : Create & Maintain The Credit Connection Blog Goal # 7 Results : No blog was ever created nor maintained Goal # 8 : Ensure all appropriate disclosures and compliance related material are set up as applicable to each brands marketing material for each campaign. Goal # 8 Results : None of this was ever delivered to us, as XXXX asked us to do this for whatever reason, which was outside the Scope Of Work Contract. This makes up the review of the goals of this project. If needed, I will more than happily breakdown the Phase 1 & 2 Elements that were not executed and delivered. FINALLY, an additional {$2500.00} was paid for Monthly Management Of Ads, XXXX XXXX XXXX XXXX XXXX ( Legal Review Generation, and Responses ) - {$2500.00}, however no ads were managed, no content was written, and no reputation was managed during this month. I do not wish to argue over this however it is VERY clear that the services delivered and the services rendered were nowhere near what was promised in the scope of work nor delivered near any level of professionalism and industry best practices that meet the verbal, written, and expressed guarantees of the seller XXXX. At this point, because of the delays and excuses, we have decided to seek help elsewhere and hereby demand a full refund in the amount of {$4000.00} + {$2500.00} for a total of {$6500.00} between payments. The transaction numbers are as follows : Transaction ID : XXXX Transaction ID : XXXX | ||||||
| 11/30/2023 | Yes |
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| Our company is XXXX XXXX and we are an ecommerce business serving the spa and salon equipment XXXX. On XX/XX/XXXX at XXXX XXXX EDT, we processed a payment through PayPal with Transaction ID : XXXX for a gross amount of {$270.00}. XXXX XXXX then fulfilled and delivered the order accordingly which is evidenced by the two tracking documents attached herein to this complaint. The two, third-party tracking documents are from XXXX and USPS. Then, on or about XX/XX/, the client apparently filed a chargeback with their credit card for items not received which triggered PayPal dispute XXXX for the PayPal account of XXXX XXXX. Since PayPal does not permit communication between the card issuers bank and the merchant and/or the merchants bank, PayPal requested that XXXX XXXX provide evidence that we did, in fact, deliver the items to which we presented the aforementioned tracking documents. At this point, due to the fact that PayPal hides their communication with cardholders/card issuers banks, I dont have any documentational evidence of what occurred but, due to the fact that PayPal then subsequently decided their side of the PayPal dispute in favor of the buyer and against XXXX XXXX, it is safe to assume that they did this as a reaction to the cardholders bank first deciding the chargeback in the buyers favor. This response from PayPal was inappropriate and goes against their own seller protection rules which I have attached herein to this complaint and which I will go over briefly here. Under their protected transactions paragraph ( the document of which is attached herein and which was pdf printed from PayPals website on XX/XX/XXXX ), they indicate that : We cover physical goods that are sold and shipped with proof of delivery from within the United States to buyers around the globe. We also cover intangible items ( digital items and services ) subject to the Intangible Goods Additional Requirements below within the United States to buyers around the globe. To help ensure youre protected, provide compelling evidence to show the item was delivered or the purchase order was fulfilled. XXXX met these and all of the other requirements pertinent to PayPals seller protection documents and original transaction, which I have attached a screenshot of herein, was seller protection eligible. Therefore, Paypal should be obligated to follow their own rules, refund XXXX the full {$260.00} net amount of the original Transaction ID : XXXX as well as the {$30.00} dispute fee inasmuch as this should have never been a dispute that XXXX XXXX lost as XXXX XXXX followed all of PayPals Seller Protection Rules to ensure that the transaction was protected against this type of charge. As a side note, it appears that PayPal subsequently ( and maybe fraudulently? ) then labeled the dispute as a Missing refund or credit dispute which appears to have no relevance to the actual item not received nature of this dispute. It is our guess that PayPal labeled the dispute in this way to avoid having us make the very contention we are making now which is that this should have been 100 % covered by seller protection due to the fact that it was a complaint for item not received. There is, additionally, a note at the top of the dispute which states that Your buyer reported that they didn't receive a refund you agreed to. XXXX XXXX never agreed to any refund for the transaction which is the matter of this dispute and we request that PayPal provide any evidence of XXXX XXXX agreeing to a refund and, subsequently, to explain why this note is on the dispute report if there is no evidence of such a refund agreement. Finally, it is our guess that PayPal did all of this because they decided that they didnt want to cover item not received chargebacks from credit card companies which turn into item not received disputes in PayPal . However, the cant just change they rules as they go along and nowhere in their seller protection documents is a distinction made between item not received chargebacks through credit card issuers and item not received disputes through PayPal. Seller protection simply, and clearly, is supposed to cover all eligible transactions for item not received. Please note that we have attached relevant documents including documents which reference the transaction, the dispute, PayPals seller protection documents as well as the tracking documents which prove that the items were, in fact, delivered. | ||||||
| 02/05/2019 | Yes |
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| Complaint about PayPal I never received goods or services as agreed from the XXXX which they charged to my Paypal. PayPal is refusing to give me credit. I signed up with XXXX to hire contractors to ghost write some books. XXXX guaranteed that all money will be held in escrow if a Dispute is filed. Based on this guarantee and the guarantee of PayPal that I never have to pay for goods and services that was not delivered as agreed and promised, I linked my PayPal account with XXXX. I contracted a writer from the XXXX website. The contract was to ghost write a technical book on a certain topic. Contractor had no experience writing a technical book, therefore, Contractor agreed to get paid after submitting their partial work which is about 5 hours at $ XXXX/hour for review. Contractor was clearly instructed to do a partial work of approximately 5 hours to submit for review. The contractor will get paid for the 5 hours of and following a review will be determined to do future work. Contractor breached the agreement by claiming she performed the entire work and charged me 40 hours work through XXXX and send me a link for download. I never agreed to this change and refused to accept the work as the agreement was breached. I never downloaded the work that was provided to me as a link as this would show an implicit acceptance of the breach of the agreement. No download linked file was ever transferred from XXXX to me. I filed a dispute/complaint on XX/XX/XXXX with XXXX customer service. The person I spoke to was XXXX. I have the complete conversation recorded. XXXX walked me through the complaint to make sure that its done properly. I followed up again with their customer service on the XX/XX/XXXX and recorded the call. The agent I spoke to gave her name as XXXX, she said she is not going to give her last name and she also does not have an agent ID. She told me, to my surprise the complaint is not on the file, and I need to start another complain. She also told me the contractor was scheduled to get paid the same day from the escrow account. By this act XXXX breached its own dispute resolution policy to protect me. They also told me this could take another week or so for me to get a response. I became convinced XXXX had no intention to uphold its own dispute resolution policy. ( I continued to receive email from XXXX with someone named XXXX as to what they are doing about getting my money back. They sent me email stating the contractor was at fault and therefore required her to return the money. XXXX also sent me additional email stating the contractor claimed she has no money to return. The best XXXX could do is to limit her ability on the website. XXXX essentially enriched itself from an illicit gain. That is the last I heard from XXXX. ) At this point I I realized I am getting a run-around from the company so I filed a complaint with Pay Pal as goods and services not delivered as agreed and promised. Additionally I was also thinking this runaround could take me outside the PayPals time to file a complaint. PayPal initially gave me credit for {$360.00}, however after a few weeks Paypal sent me an Email stating my claim has been denied on the ground that I authorized the work. I called PayPal on XX/XX/XXXX and spoke to XXXX with ID XXXX. I explained everything to her. I said I authorized the work based on future performance which was not delivered. When I buy a product on XXXX, I authorize PayPal to pay, but only for products I receive as agreed and promised which was not the case with XXXX and certainly not to get scammed. I filed an appeal with PayPal and sent all my communication to PayPal proving my case that goods and services not delivered as agreed along with all the emails I received from XXXX to PayPal. PayPal again denied the claim stating the same reason as payment was authorized. At this point it is clear to me that PayPal is not going honor its own advertised guarantee. PayPal wants me to pay for work I never received. PayPal is advertising a false warranty that PayPal users do not have to pay for goods and services not delivered as agreed. Their warranty is nothing like the warranty one receives from using a Credit Card online. In my opinion PayPal should be avoided as its guarantee is not worth the paper is written on. One should use a credit card as it offers a buyer more protection than PayPal. Attached are all the emails from XXXX. | ||||||
| 01/30/2022 | Yes |
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| I am writing to you for assistance in getting a refund from PayPal. The PayPal XXXX # is XXXX. The case was closed in the favor of the seller. Here are the details on the transaction. On XX/XX/XXXX, I did a transaction through PayPal to purchase a XXXX XXXX camera via XXXX in the amount of {$800.00} ( PayPal transaction # XXXX ). The sellers name was XXXX and her email address is XXXX. A few days later I was notified by her that her XXXX account was shut down and that she preferred to do the transaction directly through PayPal. ( At that time PayPal did refund the money back to me because the XXXX transaction was cancelled ). As I stated, the seller reached and wanted to still do the transaction, but through PayPal ( Exhibit One ). I got suspicious, but she ensured me that the transaction would be safe because it was being done via PayPal and that she would send over an invoice for the camera. Based on what I read on the PayPal site, I felt protected because it stated I could file a claim if the item purchased was never delivered or what was described. Feeling better, on XX/XX/XXXX I asked the seller to submit an invoice via PayPal to buy the camera. ( Exhibit Two ). On XX/XX/XXXX I received the PayPal invoice from the seller, but I noticed it was in the name of another person - XXXX XXXX XXXX ( Exhibit XXXX ). Her email address is : XXXX. I told the seller I needed an explanation for the discrepancy. She replied that this person was her aunt and that everything would be ok ( Exhibit Four ). Once again, feeling that PayPal would protect me in this, I felt ok. On XX/XX/XXXX, the seller sent over some additional pictures of the camera and an email reassuring me that everything would be ok ( Exhibits Five and Six ). I then made the payment of {$800.00} for the camera via PayPal. I received the UPS tracking information via PayPal for the camera. The tracking number was XXXX. On XX/XX/XXXX, per UPS, the package was delivered, but it was NOT to my house. I will refer you to Exhibit A, in which I ask a UPS representative through an online chat if my house was the intended destination. You can see based on the response from XXXX XXXX, neither my name or address were on the package. Based on the email I received from UPS, a person by the name of XXXX XXXX was the recipient. When I didn't get the package I immediately contacted UPS to open an investigation as to the whereabouts of it. From what I can see online, that investigation is still opened. I immediately contacted the seller and the person on the PayPal account where I sent the money. They replied back that they would look into it and get back in touch with me with an answer. On XX/XX/XXXX, I told them they had until XXXX PM EST to resolve the issue or I would file a claim with PayPal. On XX/XX/XXXX, I received notice through PayPal that another package was being shipped to my address with the UPS tracking number of XXXX with a delivery date of XX/XX/XXXX. Once again, when the package did not arrive, I contacted UPS online and was informed by XXXX XXXX ( Exhibit B ) that I was neither the recipient or that my address was the destination for the package. Since I had not received, nor was I the recipient of either package, I submitted a claim with PayPal on XX/XX/XXXX. During that time I submitted the same information that I am providing to you. As I close, a couple of things to consider. First of all, when you contact UPS, they will not provide who the recipient is or what address is on the package. What they will tell you is that you are not the recipient or the address is different then what you provide. As you can see in my two online chats with UPS, they confirmed my address was NOT on those two packages. I made the assumption that PayPal would contact UPS to validate the information that was told to me, but it appears they did not. Secondly, the camera I bought was a very expensive one. If you look it up online, it goes for anywhere between {$4000.00} - {$5000.00}. I highly doubt that if the first package was not received, that the seller would have a spare one around to send me. Remember, this is an individual, not a company that I was buying from. Looking back on the whole thing, I should have realized that it was probably too good to be true. However, I based my buying decision on the information from the PayPal website notating that I would be protected in the event that the package did not show up. | ||||||
| 05/09/2021 | Yes |
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| I submitted two transfers using PayPals personal account app with funding withdrawn from my debit card. First withdrawal was in the amount of XXXX, and I chose the instant transfer feature and it was selected. The transfer was not instant, but instead held in their account, so the receiver refunded {$260.00} from their PayPal XXXX XXXX account XXXX different feature and was not drawn from my held funds, so PayPal could not have cancelled the transaction on my end making it impossible for it to be a ghost transaction. ) The receiver paid a fee for an instant transfer back to me as a way of refunding my money back. I did not receive the funds in my PayPal balance or my bank account on XX/XX/XXXX, despite the PayPal app claiming I had. As of XX/XX/XXXX, a full days after my refund was posted as refunded back to the original payment method, I do not have the money. The second transfer, which was also refunded, was in the amount of {$260.00} instead of {$260.00}. That is the only difference. I do not have my {$260.00} either, making the total {$520.00} which PayPal repeatedly claimed in writing was refunded to my bank account. After speaking with my bank, I have it in writing that no attempts for credits or refunds have been made or applied or sent by PayPal on XX/XX/XXXX or thereafter. Therefore, PayPal owes me at minimum {$520.00}, and after many hours and many phone calls and many escalations, no one from PayPal has followed through with the help they promised in their written statements, in any instance. Not once. Without exception, every attempt to resolve this with PayPal XXXX Inc. directly, it remains unresolved due to their corporate wide policy to use psychologically abusive tactics such as gaslighting, deflection, lying, victim-blaming, false promises, etc. Any reasonable person would assume by this point, PayPal XXXX Inc. has committed theft by taking, receiving stolen property, corporate fraud, advertising and marketing fraud, falsifying information on financial statements, potential bribery ( why else would the FTC issue refunds via PayPal? ), offering XXXX loans via PayPal before XXXX approval, closing accounts of people who transfer their XXXX to their PayPal balance ( a XXXX XXXX XXXX of r/PayPal will clarify ), and may I remind you corporate crime causes more XXXX and XXXX damages and suffering than XXXX XXXX CRIMES, like XXXXXXXX, COMBINED. The last PayPal representative I spoke to using their resolution center feature call us, which I did again after 6 previous attempts, kept me on the line, hoping I would give up after being escalated approximately 27 times, told me my best chance is to sue PayPal , Inc., and then he hung up on me. To recap, federal XXXX committed by PayPal XXXX Inc. : XXXX. Bank fraud XXXX. Payment ( POS ) fraud XXXX. Corporate fraud XXXX. Fake charities XXXX. XXXX scams ( offering XXXX loans prior to XXXX approval ) 6. Deceptive, misleading, unfair and false business practices 7. Identity theft through offloading information security onto individual consumers ( in the XXXX XXXX XXXX. Theft by taking XXXX. Debit card fraud XXXX. Receiving stolen property XXXX. Internet fraud XXXX. Denial of service XXXX. Money laundering PayPal now claims they must have access to my bank account before they can help me. This came straight from XXXX at PayPals Executive Office. Three other employees had already opened tickets for the purpose of providing me tracing info I could present to my bank. I have it in writing I would receive an email without 24-72 hours to receive the tracing information. Those tickets were closed. I never received any emails with the information. On the contrary, XXXX from the Executive Office says she needs access to my bank account before she may or may not decide to run a trace, which will take up to 10 days. Everyone tells me something different. The only consistency is I do not have my funds, and no one has kept their word and delivered on what was communicated me to help locate my funds. I provided proof by marking out everything but my name, my banks name, and the credits applied. An absence of both refunds is visible, as well as written confirmation from my bank that PayPal had not attempted to refund me. I will include screenshots from my bank proving the funds were in fact deducted. XXXX tried to tell me I was never charged as a justification for gaining access to my private banking information. | ||||||
| 07/24/2022 | Yes |
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Web | Older American |
| I am XXXX XXXX, author, editor, and publisher. XX/XX/2022- XXXX XXXX ( no relation to me ) is a referral to my company for an editing project for her chapter in an upcoming compilation, on. She called to request my rate for the project. I quoted {$400.00}, and she agreed, stating that she wanted the edits tracked. XX/XX/2022 XXXX XXXX sent the chapter she wanted me to edit. I sent a PayPal invoice for {$400.00} payable upfront, non-refundable, to her at XXXX. She paid the invoice upon receipt of the invoice. I logged into my account to confirm her payment. PayPal payment of {$400.00} minus {$14.00} fees totaled {$380.00}. I began editing immediately and working into the early morning of XX/XX/2022. XX/XX/2022 I sent two files to XXXX XXXX, one with the tracked changes and one clean completed file. Both are attached ). XX/XX/2022 I received confirmation that the client was happy with my work and transferred the money from PayPal to my bank account. XX/XX/2022 I received an email from PayPal XXXX that XXXX XXXX claimed that she never authorized this payment and is filing a dispute [ XXXX ID XXXX XXXX XXXX {$400.00} ; Date : XX/XX/2022 ]. They credited my account for {$400.00} and requested that I repay the money. XX/XX/2022 I called XXXX XXXX to ask why she filed a dispute and learned that she did not. She was happy with my work, and the payment had cleared her bank with no issues. I responded to PayPal that I did the job, and the client did not file this dispute. PayPal said any further action was for me to take up with the client. XXXX called PayPal to inform them that she did not file any conflict and that PayPal would not speak to her. XX/XX/2022 XXXX texted again that she did not have any luck convincing PayPal that she did not file any dispute and again confirmed that everything had cleared her bank without issue. She sent the attached confirmation from her bank. With no further recourse, I called XXXX XXXX for advice on how to handle this issue against my business and reputation, as PayPal was my primary invoicing tool for my work, and this false credit impacts future client payments on my account. XX/XX/2022 - Since XXXX XXXX and I are both XXXX XXXX clients ; they explained that they would have to refer the issue to an outside attorney in their network. Accordingly, they referred me to an attorney, with who I left a voicemail with his office. XX/XX/2022 The attorney told me to send him the details in an email. He sent a demand letter to PayPal XXXX XXXX and instructed me to upload it online into my account as a response to this dispute. XX/XX/2022 PayPal responded by adding a {$15.00} fee to the outstanding credit balance for referring the issue to a lawyer. I called the lawyer for further advice. He told me I was not his client and that I should direct any other legal advice to XXXX XXXX. XX/XX/2022 I called XXXX XXXX and was referred to a 2nd lawyer, who neglected to inform me that he was too busy to address my issue. I didnt realize this until I called, left several messages, and got a response from him on XX/XX/2022, XXXX XXXX Apologies for the delay. Regards. ***According to the CFPB.gov site, the debt collector generally must stop contacting you and must contact the attorney instead. PayPal sent emails to me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, requesting me to resolve the negative balance, and when they did not send emails, they sent texts to my phone. XXXX XXXX I called XXXX XXXX again and was again referred to a 3rd lawyer. I called, left messages, and on XX/XX/2022, this lawyer asked where I lived and what the issue was, didnt wait for the complete answer, and kindly let me know that he is older, not familiar with PayPal or any of their practices, and cant help me. '' XX/XX/2022 PayPal transferred my account to a collection Agency, XXXX XXXX XXXX XXXX. XX/XX/2022 I received a collection notice from XXXX XXXX XXXX XXXX. I have checked the box that I dispute that this is not my debt and am sending a certified letter to them to cease contacting me and alert the credit bureaus that this is not my debt. Since receiving the collection letter, I have been referred to a 4th lawyer, feel very upset that my business has suffered a loss of clients, and learned from many of my peers that PayPal has routinely targeted XXXX entrepreneurs in this same thing to them as well. Therefore, I've decided that I need your help. | ||||||
| 12/10/2018 | Yes |
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| On XX/XX/2018 I arranged, via a XXXX posting, the sale of 4 tickets to the XX/XX/XXXX XXXX/XXXX concert in XXXX. The buyer, known as XXXX XXXX ( email address XXXX ), agreed to the terms of the sale, which were as follows : I would send a Paypal money request for the agreed amount of {$840.00} to the email address above. Buyer would respond with payment, at which point I would transfer tickets electronically via XXXX. The payment and subsequent ticket transfer were completed at XXXX XXXX EDT when the buyer accepted the XXXX transfer. At XXXX XXXX on XX/XX/XXXX, I received an email notification from Paypal that the buyer ( same name and email address ) was disputing the payment, claiming he did not authorize it. At that point, Paypal put a hold on the payment amount, even though it had clearly been deposited to my account ( I would never have transferred the tickets otherwise ). I provided to Paypal ample evidence that the sale was agreed to by both parties, that the payment was received by me, and that the buyer had accepted the ticket transfer. This evidence included all emails exchanged with the buyer, emails from Paypal documenting the request and payment, and emails/screenshots from XXXX clearly indicating the tickets were transferred by me and accepted by the buyer ( using the same name and email address ). On XXXX XXXX, I received a notice from Paypal saying they had concluded their investigation and that the funds had been debited from my account because We were unable to verify the shipment information you provided. No additional details were provided about why they were not able to verify the ticket transfer. I had provided ample evidence that the ticket transfer to the stated recipient had occurred. I sent a reply to Paypal that same day requesting additional explanation, and requesting a contact person authorized to discuss this issue. I received no response after two weeks, so on XX/XX/XXXX, I filed complaints with both the XXXX XXXX XXXX ( XXXX ) and the Ohio Attorney General against Paypal. After PayPal received those complaints, I was contacted by XXXX at PayPals office of Executive Escalation, who said that the buyer had disputed the charge with his credit card company ( since the transaction from Paypal was funded by a credit card ), and Paypal had to wait for that to be resolved before they could take further action. Eventually, the credit card company ruled in favor of the buyer on XX/XX/XXXX. Paypal refuses to provide any details on the dispute with the credit card company no explanation of their decision or even the name of the card company. So I have no avenue to challenge their ruling, or to find out if the name of the complainant matches the name that was shown to me via the Paypal and XXXX transactions. The actual dispute case in Paypals system does indeed show the same name and email address. Paypal also says that I am not protected under their Seller Protection Policy because the tickets were transferred electronically rather than mailing hardcopy tickets with a tracking number. They claim these are digital goods, so are not protected. Their policy states that digital goods such as downloaded music are not protected, but does not say anything about ticket transfers. My contention is that they are not the same thing, and that I provided clear evidence that the tickets were delivered to the buyer. After multiple rounds with the XXXX and the Ohio AG, Paypal continues to refuse to refund my money on these grounds. Note that I have also tried twice to contact the buyer at the above email address to ask why he disputed the payment, thinking perhaps he may have confused it with another transaction. I have received no reply, which lends credence to this being a case of theft/fraud. I would like Paypal to be held accountable under their Seller Protection Policy. As stated above, I do not believe that a ticket transfer consitutes digital goods in the way their policy describes such goods, and I believe I provided ample proof of delivery to the verified buyer. I want Paypal to immediately refund the {$840.00} that they improperly removed from my account. I have attached evidence showing the emails with the buyer showing the agreement to purchase the tickets, the payment from the buyer, the successful transfer and acceptance of the tickets by that buyer, and the subsequent illegitimate disputed submitted by the buyer to Paypal. | ||||||
| 07/29/2019 | Yes |
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| I have complained to PayPal about establishing an account for " XXXX XXXX XXXX XXXX ''. I am XXXX XXXX XXXX XXXX and I have no idea who XXXX XXXX XXXX XXXX is or why I am receiving e-mails from PayPal about her. I called PayPal on XXXX, 2019 and asked to have this correspondence stop. I also sent a confirming letter, dated XX/XX/2019. It has not stopped. I keep receiving e-mails about PayPal cash cards, establishing accounts, etc. XXXX XXXX XXXX XXXX - XXXX the debit card that lets you access your money instantly and spend it everywhere Mastercard is accepted. View online PayPal Time to get fast and flexible. Get to your money when you need it with the PayPal Cash Card. It's a debit card that lets you use your balance with no monthly fees and no minimum balance requirement. Get the Card* PayPal Cash Plus account required to get the PayPal Cash Mastercard XXXX hand inserting PayPal Chash card into gas pump reader Add convenience to your everyday spending. make purchases everywhere icon Make purchases when you want, where you want - in-store and online, everywhere Mastercard is accepted. Withdraw cash on the go, at no cost, from more than 33,000 XXXX ATMs nationwide. Loading cash is easy - just swipe at the register at retailers like XXXX, XXXX, and XXXX nationwide. Download on the App Store Get in on XXXX XXXX XXXX This is an advertisement. *PayPal Cash Plus account required to get the card. Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver 's license or other identifying documents. Terms apply. See Cardholder Agreement for details. ATMs must display the Mastercard, XXXX, XXXX or XXXX acceptance marks. Up to {$400.00} USD daily withdrawal limit applies. Transactions at non-XXXX ATMS have a {$2.00} ATM Domestic and International Withdrawal Fee. No fee for XXXX ATM Withdrawals in the U.S. Foreign Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details. Up to {$4.00} cash reload fee applies. This service fee is to add cash into your PayPal Cash Plus account. The PayPal Cash Mastercard is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX ; Member FDIC. Card may be used everywhere Mastercard is accepted. XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX. All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All right reserved. PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., NMLS # XXXX, License # XXXX, Massachusetts Foreign Transmittal License. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. Rhode Island Licensed Money Transferor. PAYPAL , INC., NMLS # XXXX, LICENSE # XXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money Transmission, NMLS # XXXX, License Number XXXX. This email was sent to XXXX because your email preferences are set to receive " News and Promotions ''. Click here to unsubscribe. Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. Copyright 2019 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX | ||||||
| 03/24/2023 | Yes |
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| Hello, I am from XXXX, XXXX. I have registered a personal account via PayPal. I mostly receive personal payments from friends, work, send payments to friends or pay for digital services or items. I do not own a website. I had no complaints or disputes on my account. My account is in full compliance with the acceptable use policy as I never attempted selling anything that is against the " acceptable use policy ''. At XX/XX/2023 I received an unexpected email from PayPal : " We're initiating closure of your PayPal account After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart.You 'll no longer be able to use PayPal account. XXXX ( Ref ID - XXXX ) PayPal failed to provide a reason to justify how they unlawfully locked my money and permanently closed my account. I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I have heard of and also seen multiple cases of individuals that lost all of their money due to this. PayPal actions are considered a breach of their own agreements as they steal all hard earned money and empty balances to reach XXXX! I have been informed that PayPal debit random amounts to empty balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. PayPal 's actions of stealing the whole balance wouldn't even stand in court because under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I refuse to be a victim of this! I believe PayPal acts in bad faith as a payment company and fails to offer the promised service. I believe that I was deceived, scammed and slandered by PayPal and I want to complain about this corrupt act. They did not empty my balance as of yet, as it has been two weeks since this occured, however I do not want to wait the full 180 days just for them to empty my balance, thus why I am taking actions against their unlawful actions. I am not looking to conduct any further business with their service, as this has left me traumatized. I am simply asking for my own hard earned money. I kept my money on their app as I never expected anything such as this to occur. They are now stating that they are holding my funds for 180 days. It is worth to mention that half and more of my balance has been sitting on my account for over 180 days, making it eligible for a withdrawal. According to their 180-day policy for " disputes '' and " chargebacks '' in my case, I am applicable to withdraw at least half of my funds right now, but they did not even give me that option and I refused to do so when I asked them to. They are holding XXXX EUR in total from me. The court, not a corporation, needs to determine my guilt and the appropriate punishment. PayPal has no right to take my money without trial! and with no DUE process! They never contacted me to warn me, they just suddenly closed my account and locked my funds. They never offered me a way to obtain any due process. They did not let me explain whether my activity is in violation of their acceptable use policy. They never gave me any explanation or never told me what exact policies I have violated. I kindly asked them to give a qualified comment about the incident via the on-site support, XXXX and via email but I was not getting any real responses other than automated / bot / FAQ response. I am not requesting that my account be re-opened or allowed to continue to use the PayPal service. I am courteously asking for my own hard earned money. This complaint is against PayPals main entity ( Parent Company ) : PayPal Holdings , Inc. XXXX XXXX, California USA Thank you for taking the time to read this. I am looking forward to hearing from you. | ||||||
| 10/02/2018 | Yes |
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| On XX/XX/XXXX my paycheck got deposited into the wrong account which is a prepaid card called XXXX. I immediately called XXXX too see how can I get my money due too I had not received my card from them. So I was advised that I can wait on my card which I wouldnt get until around XXXX or XX/XX/XXXX. I asked what other options I have and they gave me option of transferring money too a friend as well as to a bank and those options could take 24-48 hours or 1-3 business days. I explained too all representative that I needed money to pay bills and what else can be done so on XX/XX/XXXX I found a coworker who had XXXX and states she would help out so we were advised too send personal information via email so that my paycheck in the amount of {$830.00} can be sent too her card. Well I called too see if they received the information and they did. Keep in mind Im chatting with someone also and they said I can use an app called XXXX which will allow me too transfer funds from XXXX too VXXXX to have put on my debit card. So Im like ok cause Im desperate. So while on the phone with representatives I download app called Venmo and start the process as I continue Im asking representatives how it works cause I dont know anyone who has the app so she proceeds too say download on a different device and I did. So I transfer the balance of {$830.00} from myself to myself and nothing happens. The money still shows on XXXX so I transfer the money again and nothing happens at this point XXXX has closed and Im chatting with VXXXX trying to explain what I was told too do. So they was like I was advised incorrectly and that one of the accounts had too be deleted. So the agent deleted the account so now my money is just out there so i try and transfer the money from XXXX to several debit including a XXXX prepaid card and the system keep declining so Im chatting with XXXX too see whats going on and what card can I use to transfer funds and they say they dont know and the system automatically decline the card but gives no reason so Im asking all types of questions like if I know some with app can I send too them and they was like yea if you trust that person so I had my sister too download app and she did. I confirmed what I had into the account with agent and proceeded with my sister so she downloaded the app and requested the funds and I accepted. So when she tried to transfer funds too her debit card it wouldnt go through so she chatted and asked general questions as too why it wouldnt go through and the agent basically told her he didnt know and that she would need too use bank transfer instead so we was like maybe the amount too large so she did it in small increments and that didnt work so she transferd it all back so Im like well due {$830.00} cause thats what my check was so that was no go so she sent it back and I did a bank transfer and requested only {$830.00} too go back to XXXX and I was advised that it would be deposited on XX/XX/XXXX so as of XX/XX/XXXX I got this email saying Hi XXXX, Your XXXX account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. Acceptable forms of ID include a drivers license, state ID card, passport, and green card. The name on your photo ID should match the name registered to your XXXX account. We require this information to ensure you are the legal account holder. Thank you, Team XXXX So Im chatting someone asking whats going on and will I still get my money and they was like just respond too email. So I did and I sent my Id but still asking questions asking how long does this process take and I was advised 2-5 days. So at this point Im crying cause I was able too pay credit card bills that was due XX/XX/XXXX. I went all weekend without money. I was able to pay my water bill nor was I able too pay rent on XX/XX/XXXX nor another bill. As of today I have a bill due and my {$830.00} didnt get transferred. Im lost for words for a company too do this. All I want is my {$830.00}. Im not trying to defraud anyone cause I have my own business. Please some help. Ive never experienced anything like this in my life. I dont have family that can help cause they struggling and got first of the mont bills. | ||||||
| 04/15/2023 | Yes |
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| I was speaking with someone who I thought was an employee for a home improvement company. He agreed to come to my home to perform work on XXXX XX/XX/2023 in the morning, XXXX. As soon as I sent the customer the requested deposit of US {$150.00} over PayPal they told me immediately after the transaction was complete that he was not going to come and perform the work that we agreed upon at our agreed time is XXXX XXXXXXXX eastern standard time. I asked them why and they told me that I made the payment wrong. I followed his instructions exactly and I chose the payment for friends and family as they specifically requested. Thinking back on it I was being really stupid because I really shouldve put it in as goods and services and questioned why they were telling me to do it this way. I asked this fraudulent criminal why they were doing this and why they immediately decided that they were not going to come and perform the work that they said they were going to keep our agreement and come and do the work that I was giving them a deposit for immediately after the deposit payment was confirmed. He told me that he no longer had time this morning and he asked me if I was able to meet him in the evening. Earlier on in our conversation, I explain to him that I was going out of town for two days this afternoon so he already knew explicitly that he wasnt going to be able to come and assist me with this work because we already talked about it in great detail. I explained that he had to come by XXXX XXXX in the morning so that we had time to get the work done. He told me that he completely understood and then he started to pressure me about hurrying through the payment process and an almost pushy and forceful way that I shouldve caught onto as being irregular and inappropriate since I was just trying to send him money and set up my PayPal correctly. Before I even went to use PayPal, he had me try and use XXXX, which did not work.The XXXX account that he had me try to use was his sisters. The link for this XXXX XXXX XXXX XXXXXXXX. After the payment would not successfully process while he was pushing me through it quickly in a hurried manner that seemed rather inappropriate telling me that her sister had to leave within XXXX minutes, he suddenly said dont use that lets use PayPal XXXX I had to reinstall PayPal on my new XXXX and link my bank cards to it so it was going to take a little while, but he kept pushing me a long like I was wrong and I shouldve caught on that he was being inappropriate and irregular. The XXXX transaction was blocked somehow, and retrospectively thinking I believe it might have been a fraud protection that was kicked off. I asked him if he could reverse the transaction from PayPal after he told me he wasnt going to come and perform the work and he said that he could not refund the money at that time because he had not yet received the payment and his PayPal and he told me that he would assuredly send me back the money as soon as he could once it went through on XXXX XXXX. I asked him if he was deciding that he wasnt going to actually come and perform the work why he didnt stop me from trying for 10 minutes to set up. My PayPal line pushed me along and made me nervous.? He told me that he just didnt have time anymore and that there was no point in arguing with me anymore because there was nothing that could be done. When I told him that I was going to file a dispute, he started trying to talk me out of it, saying that it would take longer for me to get my money back, he tried to talk me out of filing a dispute for about three minutes and finally I said that I didnt wan na talk to him anymore and I hung up. Again, thinking back retrospectively he didnt want me to file a dispute. He just wanted to make sure that the payment went through to him so that he could take the money without anyone saying anything. I sent him a request through the complaint link, asking him to please refund my money on the PayPal app link for disputes, explaining that I would like to be refunded because he told me that he was not going to come and perform the work that we had agreed-upon as soon as he got the payment confirmed, but still not received. He has not responded. Also, I discovered that his name on his PayPal account was not the same as the name that he gave me when he told me that he was a home improvement employee. | ||||||
| 05/11/2020 | Yes |
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| My complaint involves the Paypal organization and its mishandling of financial transaction disputes with merchants wishing to withhold funds without being able to provide the product or service the payment went to them to cover. As I am sure you are very well aware- as a financial transaction- intermediate Paypal is called upon from time to time to intervene in the financial process of a return, for product or services either not delivered, not provided, misrepresented or damaged/broken, etc or no longer available. This concept seemed simple and straight-forward enough to me recently when dealing with a merchant/service provider *XXXX* licenser of live sporting events both here in the states and overseas, who had become unable to provide the regular seasonal broadcast programming due to the Covid-19 pandemic ( all seasonal events for the year have so far been either canceled or indefinitely postponed ) but for which they have been also choosing to ignore requests for a refund for directly. As such, I went through the financial institution to which had handled the transfer of my funds to XXXX XXXX originally for the season 2020, now no longer active or in actual existence presently I, e Paypal. In this process, Paypal gives you only one option to call upon and that is their Disputes Process, or to which they fondly refer to themselves as their " Resolution Center ''. Sounds refreshing right? So back on XX/XX/XXXX, I began this disputes process by diligently and honestly filling out a new dispute form with Paypal regarding the issue with XXXX XXXX, which had themselves made it clear that despite there not being any new live or actual race events taking place for the year 2020 they would not be canceling the season or returning anyone 's request for refund. With this, I provide proof of purchase, which was taken from my own Paypal transaction history profile right on their own website to confirm, along with specific details on what was going on both with the race-event season I.e. " XXXX '' paid for by me and its concurrent cancelations since the onset of the season later in XXXX early XXXX. The later clearly defined under the Corona Virus pandemic curtailments now both here in the states and globally at this point, along with XXXX 's unwillingness to even respond to my requests for a refund. *All very easily verifiable, especially for the financial institution charging a fee to transfer these funds to the merchant in question. Regardless of these facts or the details laid out in the dispute to Paypal, within their so-called " Resolution Center '' or with even a response coming back from the merchant in this case Paypal waited until one or two days before the hard cut-off period for the merchant to respond ( 45 days I believe in this case ) before siding to allow the merchant to keep my funds anyway. To summarize here ... 1. I paid for a service unobtained. In the case a licensing clearance to view a season of motorsports racing now canceled or simply unavailable/ revoked since before the season even got underway in XXXX. 2. After not receiving any response back from the merchant themselves XXXX XXXX to my request for a refund was first made I proceeded with the disputes process afforded to me as my only option through the financial transaction provider Paypal. 3. To which the merchant again does not reply, nor bothers to provide any excuse or evidence of any type to contradict or defend their actions. * In fact as far as was viewable to me within Paypal Resoltuins Center forum carrying the dispute the merchant never reply at all. 4. In turn, and despite this Paypal waits for the full 43 to 45days and then just before the expiration date for the merchant to respond chooses to side with the merchant anyway and as such chooses to overlook all the facts involved both in the case itself and their own guidelines covering timely responses to disputes of this type overseen by them. 5. After which Paypal has continued both to refuse to reverse this decision or provide any detail, evidence or even a given response from the merchant, who clearly didn't have to respond because Paypal was taking the initiative to address the matter on behalf for them. Almost as acting as a representative for the merchant instead of non-partial reviewer. Thank You Kindly for your consideration in this matter XXXX | ||||||
| 08/14/2020 | Yes |
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| Fraud issues. Ive tried to work with my bank to get this mess figured out but I was not able to because of a 60 day liability which was never mentioned to me. I was also told not to contact PayPal during the process. After months of trying to work with PayPal and get someone to assist me I have found out that the fraud that had occurred with my XXXX savings account information was used by someone else utilizing PayPal. I have made several calls to only be disconnect automatically by the robot saying that they would not be able to handle my call. I have only been able to get through to someone through their chat system. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the times that are shown in the chat windows if this is correct since I have had these chats going for days. I have made a copy of each chat. They expire in 90 days which one has expired but I have a copy. I was able to get through to someone by telling them that XXXX XXXX had told me to threaten them with a XXXX XXXX XXXX complaint. At that point it seemed like it was escalated. After that it seemed like I got further. I did finally receive a call on XX/XX/2020 ( a sunday ) about my fraud issue. After talking with the women about my savings account number and who it was used by she told me that no one not even you could use the savings account with PayPal and that the person account that used your information had been disabled or have limited access. I asked about the money and they gave me the same response that XXXX XXXX said and that since it was past the 60 day liability I would have to work with my bank to dispute the fraud. I asked if she was sure because XXXX XXXX told me that they would not contact them. The women insisted that that's what I would need to do. After the phone call I called XXXX XXXX and escalated to a manager and had to wait two days to receive a call. Mentioned that PayPal had said that they would need to call and dispute the charges. I was told " XXXX XXXX does not call other companies to dispute charges ''. Either way throughout this entire process I have been lied to by both XXXX XXXX and PayPal which leads me to believe that there may not be a process. Ive been trying to get through to someone at PayPal since XXXX and I still have not been given my funds. I have been asking chat for the claim number related to the fraud issue I had and everyone response has not been related to my number. Recent chat from the last attempt today XXXX. ============================Chat============================ XXXX XXXX XXXX XXXX Please send me my claims number for the fraud that occured. XXXX XXXX XXXX XXXX Hi XXXX! I understand that you've been trying to through this issue for a long time now, but to get this thing rectified you really have to contact your bank, and the bank will do their investigation or dispute process. They will work hand in hand with us and we'll just update you with the outcome. There's no need for PayPal transaction ID number if you're going to dispute with your bank as long as the charge is in your bank statement. We apologies for the inconvenience but that is the best path to follow to get your money back. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX XXXX XXXX Please provide me the claims number to the fraud I reported related to my bank account. XXXX XXXX XXXX We don't have any information about the claim as we don't have any record of the transaction. Kindly reach out with your financial institution to dispute the charges on their end. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX XXXX XXXX Can you contact the other department for my case number? Why was a claim not created for my request? XXXX XXXX XXXX Upon checking the transaction on your account, the last transaction was XX/XX/2020 for {$10.00} with XXXX. If the transaction is reflecting only on your bank, I highly recommend to contact your bank and dispute this transaction with them. I'll leave this message open just in case you need more help. Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. ============================Chat============================ Fraud : XX/XX/2020 PAYPAL ACH debit {$95.00} XX/XX/2020 PAYPAL ACH debit {$980.00} | ||||||
| 08/29/2022 | Yes |
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| XX/XX/XXXX 2022 I looked up a phone number for a XXXX issue, and called the number from this website XXXX XXXX XXXX XXXX No one answered, I received a text a minute later stating it was a XXXX rep named " XXXX XXXX XXXX ID XXXX ( XXXX ) XXXX, and to answer my phone. I explained I had an issue with funds, {$370.00} sent from my mother sent to my phone number connected with my XXXX XXXX account XXXX but used my XXXXXXXX XXXX account number. The rep explained he would fix this issue by merging the two accounts through some bot transactions that would be voided after the accounts were merged. He said to download the XXXX app and I followed the procedures transferring funds from other banks accounts we owned into & from my XXXX including : XXXX : Transfers from XXXX XXXX = {$1200.00}. Transfer to my XXXX XXXX Account {$580.00}, a XXXX XXXX {$380.00}, ( 2 ) XXXX transactions to-XXXX XXXX {$1100.00} XXXX The rep also spoke with a XXXX XXXX rep. on the line with me and told them to release my funds. I was told by XXXX XXXX all of these transactions would be voided and disappear from my accounts, he was working on his end to merge the accounts to elevate future issues. He was very patient and took his time unlike what they warn you about, said he would finish working on my case doing his part and would call me the next day to close out my help ticket. On XXXX/XXXX/22, {$370.00} was in my XXXX XXXX account. Although the other transactions were still there, it seemed as if the rep was doing his job.The rep called saying To close my case there had been a glitch because my venmo was tied into the accounts and not allowing the merge to finalize. I followed the reps instructions using the app again. The bot transfers '' on XXXX equal : XXXX XXXX XXXX {$380.00}, TransfersXXXX XXXX XXXX {$1700.00}, XXXX XXXX {$400.00}, XXXX XXXX, {$420.00} Venmo-XXXX XXXX XX/XX/XXXX XXXX He instructed me like any other tech support specialist would, not rushing but patient and willing to provide the best customer support to represent XXXX customers. I called at XXXX after checking my accounts and was told that he was in a meeting and would call me back. I began to get a bad feeling and saw my accounts emptied. I researched XXXX & Venmo scams. I called the same number multiple times and finally spoke with his " XXXX XXXX '' ; he wouldn't give me his last name or an employee ID number. After returning home I immediately called XXXX reporting everything and that I was following the instructions I thought worked for XXXX. I feared I had been scammed and wanted to dispute and stop all transactions.I called XXXX XXXX but didnt reach anyone. On XXXX/XXXX/22 I called XXXX XXXX XXXX/XXXX/22 first thing to make them aware but was informed that the bank account was closed.I also called XXXX XXXX, told them to stop the XXXX XXXX Venmo. I filed a police report with my local police station with XXXX XXXX XXXX XXXX XXXX unit XXXX ( XXXX ) XXXX of the incident XXXX. I also contacted XXXX XXXX, Venmo, & XXXX have lost {$3700.00} in online money transfers. I was denied by XXXX XXXX, ( 2 ) days after my call. I have called and spoken with the XXXX daily to aid in the investigation and was given a temporary credit for the {$1300.00} disputed with Venmo. They are now taking that money back, denying my claim. I received a call from the XXXX XXXX XXXX saying, Because I authorized the transactions, even though I thought it was a representative with XXXX, I wouldn't receive any funds. I needed to have the police deal with it because it was all my fault. So, even though I contacted my bank immediately to make them aware and to stop all transfers & funds from going out of my account 35 hours after the initial transactions, and less than 24 hours after the final transactions it didnt prevent anything. I spoke with XXXX trying to make some headway with XXXX and was told they dont have access to the XXXX XXXX contact XXXX XXXX XXXX tells me to contact my bank. Venmo said they would investigate my accounts and the police could request information but that was it. On both money transfer sights it asks you to request the funds back from the people you sent it to. Look at the photos! I can't, it won't allow me to even do that process. I thought I was getting technical support help with a money transfer option that is within my bank accounts with XXXX. | ||||||
| 04/14/2022 | Yes |
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Web | Older American |
| To whom It May Concern - I have used Venmo to transfer money to family and friends - only three individuals. Last Tuesday on XX/XX/2022, a old friend was without funds while waiting for a reverse mortgage was in need of money, so I attempted to transfer {$200.00} to her email address. Her email address is " XXXX XXXX XXXX XXXX ''. I sent it to " XXXX ''. when I realized my mistake, I searched online for a Customer Support phone number to rectify the situation. The number I called was XXXX XXXX. On this call, I first got the same preliminary recorded message that I got when I called them back yesterday when I noticed all the debits from my account. the person on the other end of the conversation asked to remotely join me on my phone. They first said they needed to verify who I was. They asked for me to send someone I knew some money and then have them return it. Of the three individuals that I have used Venmo with before ( two are my offspring and one is my daughter 's boyfriend ), my daughter and son both work during the day and my daughter 's boyfriend works at night and was sleeping. They insisted that I text my son and wait for a response. then they asked me to try the others. I said that I did not want to do that and disturb them while they were working or sleeping. but they told me to try anyway. I finally got a response from my son and I transferred money to him. He texted me that he saw the transfer, and transferred it back. They individual on the phone asked me to try someone else in order to further verify who I was. So I tried my daughter 's boyfriend but he did not respond. So the next request was to send money to addresses of people I did not know and to type in the message the word " Verify ''. I did this. Then they requested that I try several other addresses of people that I did not know. After a while, all the money in my account was depleted and the requests were refused by the bank. After that, they asked me if I had other accounts I could use. I have credit cards with several large banks such as XXXX, XXXX, and XXXX XXXX, but no bank accounts. They tried to get funds from those accounts but were refused. then I was transferred to the " business department ''. this guy said that they were going to give me a Business credit card. and again he tried my credit cards. I told him I was not interested in a credit card, so he gave me what was supposed to be his name - XXXX XXXX and said he would call me back at XXXX XXXX since I needed to get back to work. Because they were remotely viewing my actions, I could also see the responses on my phone. They were directing me as to what symbols, words, etc... to write or tap, but all this was directed move be move be them. I was doing this from my car because I was working in the field that day, and could see the phone number on my digital read out screen. At one point, we were disconnected. I got a call back from a phone number in XXXX XXXX. That number is XXXX. My call must have been hacked or transferred to someone within their company who is taking advantage of the supposed support that customers are supposed to receive. I called the same phone number that is shown on Venmo 's website, After I saw that none of the people whom I did not know were not yet showing on my Venmo account, I called Venmo again at the same number and the response was that I should have emailed them. I asked to speak to a supervisor of the agent I was talking to and at first, he said that was impossible. when I insisted, he finally put me through to another individual who said something to the effect of " You know how it is these days, everything can get hacked! '' He could see all the transfers and named them off to me. I have lodged a complaint with the Federal Trade Commission and gave them all this information. I mentioned that if they called the New York phone number right away, they might catch these people. I did receive an email back form them that I had lodged this complain. I am contacting you because I myself and other friends have gotten satisfaction through your efforts. Venmo is owned by Pay Pal and they have protection for this kind of fraud. They say if the money goes to an incorrect but valid email, they have no recourse, but there is no one else with that email address. Thank you for your efforts, XXXX XXXX | ||||||
| 06/14/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX XXXX I was forward funds from a citizen of XXXX XXXX via PayPal for XXXX classes I had given a month previously. The money was placed on a 21 day hold by PayPal, despite not being a sale of goods. I followed the companies advice to speed the release ; confirming my identity and sending a services rendered receipt via the website. I called PayPal and the y assured m e on 4 occ assions that my funds would be released on the XX/XX/XXXX On the XXXX , the funds were still on hold despite assurances made in the afternoon on the XXXX that they would be released on the XXXX . I called customer service and they stated that they would be made available within the hour. They were n't available well over an hour later. A follow up call one h our after the promised hour of release had an agent who stated that the transaction was on hold until XX/XX/XXXX I asked for a supervisor who again stated that the funds were on hold until well after the XXXX . PayPal advertises themselves as a money transfer service implying a certain level of service consistent with market prac tices. Nowhere on their site if you look at money transfers does it state that there will be holds placed on money transfers. This is deceptive by itself. Let alone, perhaps a breach of their own agreement. Furthermore, when opening your account, I got an email that said I would be exempt from holds up to {$1000.00}. Then they held the transaction for just over {$300.00} USD. PayPals money transfers are deceptive, intentionally deceptive, breach an implied warranty, and are fraudulent and unconscionable. Their follow up promises to remedy were not only kept ; they clearly mistaked the facts about the hold ( agents assuring me of release on the XX/XX/XXXX , within an hour, then stating release was set for the XX/XX/XXXX or other dates well past the promised date ). My reliance upon their promised release dates left and their failure to deliver left me with no funds in a foreign country with no funds and no money for food for over 3 days while I go to school online with a small living stipend of XXXX per month on my XXXX Benefits. No money transfer company in the industry holds funds for transfer like this. The last word I got on the latest follow up call was that after the promise of release within the hour, that a supervisor had over ruled that decision. When the promised releases were made and subsequently disapproved, I was never informed of the change in status until I called and went up during the escalation process. DOCUMENTATION PayPal Transaction # for this issue is : XXXX Amount held : {$310.00} Website Ad for Transfers : ( NOTE : No warning of holds ). https : XXXX XXXX XXXX : Dear XXXX XXXX XXXX Congratulations on your first sale with PayPal! Since youre a new seller with us, we 'd like to give you important information about how your payments are processed. Right now, all payments you receive are placed in your pending balance for 21 days before they can be spent or withdrawn. However, if you help confirm your id entity you can get immediate access to the first {$1000.00} USD you make every month. As long as there are no other issue s, the rest of the money is then released after 21 days. PREVIOUS CFPB Settlement with PayPal for Deceptive Advertising, Illegal Billing, Failure to Resolve Disp utes etc : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ Please s ee relevant quote from CFPB Director XXXX XXXX on PayPal settlement and match against the adversting and implied warranties of money transfers in todays economy : PayPal illegally signed up consumers for its online credit product without their permission and failed to address disputes when they complained, said CFPB Director XXXX XXXX XXXX Online shopping has become a way of life for many Americans and its important that they are treated fairly. The CFPBs action should send a signal that consumers are protected whether they are opening their wallets or clicking online to make a purchase. Thank you for your time and attention. I sincerely am grateful for your agency. XXXX XXXX | ||||||
| 08/31/2021 | Yes |
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| To whom this regards, My name is XXXX XXXX. I hope you are doing well. I've been a private customer withPayPal ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, until my recent random account closure and limitation thisyear during XXXX - XX/XX/. It makes no sense, my account was fully verified via my Passport ID as seen, and I had added my address and verified it via documents uploaded many times Paypal had asked me to. After a month of countless emails and enquiries, Paypalhas still yet to reply to my emails or contact. I'm writing to you with regards in hopes of receiving aresponse, about possibly fraudulentbehaviour and an inefficientsystem affecting me. In fact this could be said on behalf of the many others Paypal have abused over the years.Anything I received was an automated response from an email called " PAYPALXXXX '' clarifying no reason for my account problems such as freezing my account and stealing my funds amassing over {$1400.00}. First of all ( i ) Paypalhas failed to acknowledge the fact it banned/closed my account with no valid reason, while it continued to discreetly remove funds from my account. My account was closed while all my funds and financial information were frozen on the account.I was given a case ID called XXXX. The automatic system then sent an email describing the money would be frozen for 180 days. As a student, I was reliant on my balance and now Paypal has taken my monthly rent allowance. Unfortunately this has happened to many others, where problems are submitted via XXXX and otherplatforms due to the factcustomer service is almost non-existent.NowPaypal also sent an email saying my funds were being held on " Reserve '' and would be available for withdrawal. In other words, they were being released back to me after they had used it for " Float '' or whatever investing purposes. I had then thought my faith was restored inPaypal but upon logging in my funds had immediately been taken and actually have disappeared completely from the hold page on my balance. This would prove Paypal 's contradictory and false behavior, as they literally claimed my funds were available to be returned after weeks of hold. Secondly ( ii ) PAYPAL had also closed a recent dispute of mine prematurely, taking advantage of the fact my account was initiating a closure. The ID was XXXX in which I was sold an inauthentic item. The necessary thing was to opena dispute to ask for a refund and I was required to submit evidence. Paypal asked to ship and return the item to the seller 's address as given on the dispute page. If a human and not a computer checked the tracking, it showed that it was processing and was on bound for delivery or waiting for the seller to collect the item. However, the automatic system for disputes failed, because it was only on my native postal site that the item did not update while every other site did. Paypal closed the case while the item was still in transit which is illogical and illegal because I had complied and was eligible for buyer protection. They breached their own fiduciary duty and buyer protection policy. It was then reopened kindly but now has been stuck for weeks and the resolution date keeps getting pushed back, even though the item is waiting for the seller to collect it. The transaction was high and totalled around $ XXXX so this is severely impacting. The case needs to be resolved and it would be correct to refund me because, currently the seller has their product back and my money in which I trusted Paypal with. In the current state, both Paypal and the seller have committed fraud in this transaction as Paypal has kept their fees for the transaction, while the seller has the item and my money back. I have tried to email them telling them the seller is circumventing Paypal 's Policy, but still have not received any response. Paypal has made grave errors with my account, and I'm hoping you can assistin amending this. Escalation to an executive department or authority is the only necessary method forced to take. It's extremely disappointing as I have been using paypal for 3 Years as a loyal customer. I hope you understand my issues, and if you have any solutions that would mean everything to me and the countless others who have faced similar problems. I look forward to your response. Kindest regards, XXXX XXXX | ||||||
| 09/24/2023 | Yes |
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| I created a Paypal business account in XXXX The email address connected is ( XXXX ). My intentions for having used this account was to make sales via XXXXXXXX XXXX @ XXXX, and pay for invoices along with online payments. Everything was operating as planned, I made a XXXX sales on XXXX, all were successful transactions. Within this period of time I had lot of expenses and my current cashflow was not great. The way XXXX and Paypal cooperate is, XXXX holds payments for 3 business days to confirm delivery and the buyer is happy with their purchase, then they proceed to send the payment to Paypal and I'm then hit with another delay of 1 business day. So although a package could have been delivered 4 days ago, once Paypal received the payment from XXXX, in the system it took time to acknowledge I had already shipped the item, and the goods were delivered. Therefore I called Paypal support multiple times asking to have my funds released as I was in need of my money. I thought working under the basis of knowing the items I requested to have funds released were packages already delivered well after the XXXX business day of delivery I felt justified in my request. This was up until XX/XX/XXXX. I called Paypal support on XX/XX/XXXX requesting to have my funds released for two sales. I spoke with one agent who later transferred to a very nice lady who after 30 minutes said the funds were requested and approved to be released. This can be verified if you were to listen back to the recorded phone call. Though after waiting about 2 hours that didn't occur. So I called back and spoke with a supervisor named XXXX, agent # XXXX. She told me on the phone call she was going to listen to my previous call about the funds being released and she said if the agent indeed said they were approved to be released she would manually resolve it for me. I was put on hold, and she came back to say I only spoke with one customer service agent, and that was categorically false, I was transferred to an additional agent who assisted me. Due to this, I got upset and said I was going to have her reported for lying to me, and I additionally reacted out of emotions while saying I hope she was fired for lying. Though I should never had said these things, I really was hopeful to have my funds released to pay a bill and it's one thing for an agent to say no, we will not release your funds, it's entirely different when you lie about something. I was never disrespectful up until she lied, I just wanted my funds, that is all After that phone call I received an email about 1 hour after saying my account was deactivated. I feel confident that she did something to flag my account because I said I was going to have her reported. Since having the account I did nothing else wrong, I made sales and shipped quickly. Moving forward if I can have my account back I will be perfectly okay to wait for additional time within each sale, I will not be calling in like I did in XXXX. With that said, I called the following day after XX/XX/XXXX, spoke with XXXX again and once I told her it was me from last night, she acted as though she could not hear me on the phone and hung up on me. I called back again and was told my accounts were linked to an account made in XX/XX/XXXX, and XX/XX/XXXX. This is false, and whatever link your system thinks is there is, is not accurate. If what you have is possibly someone having used my information back then, I ask you to understand this is separate matter that should be addressed. I have never had a Paypal account under my business name using it for sales like I was, therefore I request please to have my account reinstated so I can continue to sell on Grailed and make payments online. I am also a Paypal stock shareholder, with knowing the stock is near all time lows and growth being the main concern for this company within the next 5 years, I struggle to understand why these types of actions are allowed by your customer service agents? I should be considered an asset to Paypal, not a liability, and there was no reason for you to feel I was a liability, I believe XXXX did something to flag my account and then I was linked to these accounts which were never mine, nor do I have any relations with them. Look forward to your response, and having my account reinstated under the email XXXX XXXX | ||||||
| 12/13/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX I was the victim of a scam. The scammer requested money in the am't of {$2400.00} for debts owed to be paid to them via Venmo. I was told that in order to fix a problem I was having with my computer that I had to pay off these debts. However, I did not think I had any debts but complied. I am XXXX XXXX XXXX and in retrospect there were many red flags all over this scheme which I ignored much to my regret. I did not know if i had a working Venmo account so the scammer suggested I use an account of a family member. I called my daughter, XXXX XXXX. She OK 'd the transfer of the {$2400.00} but upon receipt of these funds and after hearing my story, immediately recognized that this was a scam and so did not forward the money to the scammer. Instead she transferred the money to her local bank, XXXX XXXX XXXX XXXX XXXX Co. In turn she then returned this money to me on XX/XX/XXXX which I deposited into my checking account at XXXX XXXX XXXX XXXX. I did notify XXXX XXXX that I was the victim of a fraud within an hour of the scam as this money was sent to my daughter via my debit card at XXXX XXXX XXXX. The bank in turn notified their fraud department on XX/XX/XXXX. I agreed with them that they should close my checking account and issue a new credit/debit card. We both thought that was the end of it but unfortunately for us it was just the beginning of our troubles. Weeks later my daughter received a message from Venmo insinuating that she had committed this fraud and attached a {$2400.00} debit to her Venmo account, as well as putting a freeze her account. She in turn tried to call Venmo support to explain the situation but this fell on deaf ears. I then started calling my bank and Venmo trying to get them to remove this debit from her account, again, to no avail. I & my daughter have made multiple calls to Venmo over the past 3 months but they still insist she owes them this money. In the meantime, Venmo sent me a communication on XX/XX/XXXX stating " Our records show that this chargeback was decided in your favor and your credit card issuer has issued a credit to you. To locate this credit, please contact your credit card directly ''. Again I thought this was the end of it. I called XXXX and they claim that they do not have this chargeback credit. I called XXXX XXXX XXXX and was told that this chargeback was sent back to Venmo. Venmo in turn claimed that they have not received this chargeback credit. So as it stands my daughter still has this debit on her Venmo account. XXXX XXXX has written to Venmo twice with an explanation and transaction numbers to prove that these funds/ or paper transactions have been sent back to Venmo XXXX I will try to attach their letter to my complaint here but if I can not, this is the current state of affairs. Yesterday I asked Venmo to send me the bank statements and asked who attached this debit on my daughter 's account? There must be a paper trail. However, I received a message back last night from Venmo stating that I needed to notify my local police department. That was the last straw for me! I am asking for help from your agency to see if you can help me resolve this issue with Venmo. In addition, I would like to know how Venmo seems to be able to get away with not providing any bank statements, explanations of transactions, or any paper trail to a consumer? If I thought I, or my daughter owed them money, we would have paid it. But the original money came from my bank account, then on to my daughter 's account, then returned to me the nest day. How can Venmo think I or my daughter owe them money? But considering that my dispute was found in my favor why will they not remove this debit from my daughter 's account? I sincerely hope you will be able to investigate this situation with Venmo and resolve this situation for us. Please feel free to call me @ XXXX, if you should need any further information regarding this case. I will attempt to download the letter from my bank but if unable to I will be happy to provide a copy of it by mail at your request. My address is XXXX XXXX XXXX, XXXX, Co XXXX I did try to download the letter from my bank but was unable to. Again, please let me know if you would like me to mail it to you? Thank you for your consideration of this matter. XXXX XXXX On behalf of XXXX XXXX | ||||||
| 06/30/2021 | Yes |
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| PayPal is enabling a company in XXXX to systematically defraud US consumers my manipulating the dispute process PayPal established. the company, who advertises through XXXX, only accepts PayPal payments. They claim to be American based companies and then delay chipping on products for over a month. They advertise one product and then ship another or ship never ship the purchased products. When a dispute is filed with PayPal the companies require the products be shipped to the XXXX with a cost of over {$190.00} per shipment which prevents any resolution of the problem. I have encountered this problem 3 times with PayPal over the past year with companies that had different names ; however, when I disputed the purchases through PayPal, the return address for all three companies was the same address. Below is the response I received through a PayPal Dispute : You've received a new message sent you a message in response to your request. We encourage you to respond to as soon as possible to resolve your issue. Here 's the seller 's message for you : Dear Customer, We're sorry that you're not satisfied with the package you received. According to our company 's return policy, we can refund you, but there are two conditions. 1. You need to return the original package, please send the tracking number and the picture of your returned package ( show the return address ) 2. Once we received the package and checked if the product is in good condition, we will refund you as soon as possible. You can return to the address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PayPal is enabling systematic fraud by a company in XXXX. They are aware they are doing it and are not taking any step to protect the American Consumer. There are three charges that all had problems and all had the same return shipping address. 1st charge was resolved by escalated PayPal dispute. 2nd charge : {$68.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX charge : {$85.00} to XXXX XXXX, XXXX on XX/XX/XXXX While different companies, the return address provided in the dispute was exactly the same meaning they are from companies for some other fraudulent business. If you go back in my dispute history, you will see yet another dispute where I ordered a hammock that advertised supporting 400 lbs, but was shipped a flimsy hammock that only supported 200 lbs and was useless to me. That dispute was resolved in my favor after escalated disputes. It was the same company. PayPal is allowing a fraudulent company to defraud US consumers and is doing nothing to prevent that. Do the math ... I purchased 2 electric vests ( {$68.00} XXXX. They did not work. I disputed with merchant, they said to ship back to main land XXXX for a cost of over {$190.00}. {$190.00} - {$68.00} = a loss of {$120.00} to return a product that did not work. Your company supports that. I purchased 2 hammock stands that go in a hitch that came with 2 hammocks ( {$85.00} XXXX. They only shipped the hammocks and the hitch inserts. They said they were not shipping them and I could return the hammocks for a refund. IT WAS THE SAME ADDRESS FROM THE IN MAINLAND XXXX. Different company name, same return address, same {$190.00} to return the {$85.00} product. This time they advertised one product and never shipped it. {$190.00} - {$85.00} = loss of {$100.00}. Once again, your company supports this fraudulent company. This is not a one off product dispute, but systematic fraud that PayPal is enabling by defending fraudsters in XXXX and allowing theft to American consumers. Your company advertises protections for consumers but fails to uphold those policies. Fraud prevention Contact us if anything seems suspicious so we can help you protect yourself from fraudulent charges against your account. We'll never ask for sensitive information in an email. Dispute resolution If there's a problem with a transaction, we'll put a hold on the funds until the issue is resolved. We investigate and stay involved every step of the way. Purchase protection around the globe Buy or sell around the globe. We process 25 currencies in over 200 markets to make sending, spending, and selling simple and secure. PayPal Dispute # 1 : XXXX PayPal Dispute # 2 : XXXX XXXX CASE # : XXXX | ||||||
| 11/11/2017 | Yes |
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| On XX/XX/XXXX, I received an email from XXXX XXXX saying that a {$2700.00} XXXX had been purchased in my name, with my Paypal account, and the XXXX was to be picked up by a person with a completely different name than mine in an entirely different city ( hours away ) from where I live. Upon receipt ( within one hour ) of the email, I immediately called XXXX XXXX and cancelled the order and reported the fraudulent transaction. XXXX XXXX immediately cancelled the order, agreed the transaction was fraudulent ( as the order was made with my PayPal account, which had clearly been hacked, but the product was to be picked up by someone else in a different city ). I received an email from XXXX XXXX within minutes confirming that the order had been cancelled. I immediately received an email from PayPal stating that they had been informed of the fraudulent transaction and that XXXX XXXX had already ( as of XX/XX/XXXX ) issued a refund. Nonetheless, the next day (XX/XX/XXXX ) PayPal submitted the fraudulent transaction of {$2700.00} to my bank, which immediately consumed my entire available balance and made me overdrawn, and due to overdraft protection, also wiped out my savings account and caused me to accrue charges on my credit card. Immediately after I was made aware of these facts ( on XX/XX/XXXX ), I called PayPal to ask why they had chosen to submit a purchase for processing when they knew the purchase was fraudulent ( as XXXX XXXX had already informed them of these facts ) and had also chosen to not process my refund ( which was submitted by XXXX XXXX within one hour of the purchase ). After spending a considerable amount of time on hold, I was able to speak with a PayPal representative on the telephone and explain the situation. She, without explanation, put me on hold. I was on hold for a considerable amount of time when another PayPal representative picked up the phone, stated that my " account was n't loading, '' and without explanation then put me on hold again. After, again, being put on hold for a considerable amount of time, another PayPal representative answered and said that she worked for " PayPal International, '' which only handled issues related to accounts originating outside of the United States. I had never mentioned ( as it would have been a false statement ) that my account was created or involved with any international transactions. It was clear to me that PayPal, after hearing me describe my problem, was doing everything they could to encourage me to hang up the telephone. I was then transferred to another PayPal representative, to whom I ( for the fourth time ) explained the facts of my situation. He stated that PayPal has a policy of processing every purchase ( regardless as to whether PayPal knows the purchase is fraudulent ) as soon as possible, but refunds are only processed " whenever they have the time to do so. '' I asked if there was anything PayPal could do to increase the responsiveness of this system, as I had no cash or funds available to pay my bills or take care of my family, and that everyone ( including PayPal and XXXX XXXX ) knew this transaction was fraudulent. He stated that he had no ability to affect this system, and the refund would simply be handled whenever PayPal could get to it. He said the refund should be processed " within a few days. '' As of today, it is now Saturday, XX/XX/XXXX, and my bank account has been wiped out ( and overdrawn ) since Wednesday because PayPal has intentionally chosen ( they have not been forced ) to process a transaction they knew was fraudulent, and Paypal has also chosen to simultaneously delay ( again, intentionally ) my refund. It is clear that PayPal has recognized they are able to profit from fraudulent transactions by engaging in such business practices. On a related note, I have tried to delete my banking information from PayPal 's site ( because I do not want to be subject to PayPal 's fraudulent practices in the future ), but PayPal has refused to allow me to do so. When I have tried to delete my banking information ( repeatedly, for the past several days ), PayPal says that I am not allowed to delete this information at this time. Again, it is clear that PayPal has chosen to encourage and allow fraudulent transactions so that they may profit from such activity. | ||||||
| 06/18/2019 | Yes |
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| Re : PAYPAL Extortion Act. Our nonprofit organization raises its money by providing a transportation service partnering in with XXXX. XXXX nonprofit, we have never been getting any type of credit whatsoever from PayPal. PayPal has never granite are nonprofit organization any overdraft account. Therefore, PayPal is cost of rift and its own account tracking system. I was told from Paypal representative that Paypal system had a malfunction that causes a delay for payment process which is not our nonprofit problem this issue, malfunction that causes a delay for payment process is PayPal problem. It is Paypal responsibility to make sure its systems are working properly whereas it does not cost the consumer nor our nonprofit org. PayPal is a business account for the XXXX nonprofit organization. www.bladtalent.com. there was two debit charges from the PayPal Debit card account that we own through PayPal I informed the Paypal representative name XXXX of this mass times, PayPal took it upon their self some kind of way to keep charging us through our XXXX XXXX account that was connected to the PayPal. Paypal massively continued to ACH our nonprofit XXXX XXXX XXXX account 6 times which caused XXXX account with XXXX XXXX XXXX here in the XXXX Ohio area to be debited a grand total of 6 times that cost XXXX XXXX account with XXXX Acct. to be massively overdrawn in the amount of {$220.00}. PayPal is totally responsible for this issue PayPal needs to pay the {$220.00} to XXXX XXXX XXXX for it unnecessary continuous ACH debiting the nonprofit acct. when in fact Paypal knew funds were not there and Nonprofit should have never been charged in the first place. XXXX has tolerated Paypal doing this unnecessary ACHs debit to our nonprofit Bank acct. several times. XXXX XXXX Mgmt. has notified me as a director of the nonprofit to request that Paypal STOP the massive withdraws. Paypal refused after 5 requests from me as the Director of XXXX XXXX to REMOVE our XXXX bank account off the PayPal account. PayPal refused to take XXXX account off of the PayPal account when we have requested several times to do so. Paypal has committed EXTORTION on XXXX XXXX nonprofit org. Continuing to purposely bleed an account ( XXXX XXXX XXXX Acct. ) that has no activity ... PayPal needs to be held accountable for this! Paypal needs to clean this hardship it has cause XXXX XXXX. I am going to file the same complaint that I am presenting to you in small claims court & OH Attorney General Office. As I reiterate, PayPal NEVER allow any accounts to become overdraw! if you utilize your PayPal debit card account you can not draw funds that are not already in your PAYPAL acct. All funds must be available! A PayPal representative informs me over the phone that they decided to grant XXXX XXXX nonprofit org. a credit? to get gas with PayPal?? PAYPAL never issues credit to anyone!! PayPal should have contacted me as the person in charge of the XXXX XXXX account to ask permission from me as the director in charge if we would like to be granted authorization of PAYPAL credit? Without Paypal contacting me to ask if our nonprofit org. would like to be granted overdraft acct. permission then to take upon PAYPAL to automatically to make the decision to go ahead and XXXX XXXX XXXX automatically this overdraft protection that Paypal never grants to anyone is what caused the MAJOR Riff and cause our nonprofit XXXX bank account to be now closed! Paypal, they should be held accountable because they have never in all of the years, we have dealt with PayPal ever ever ever granted credit to this account or any other PayPal account. Please investigate PAYPAL. This {$220.00} money in unnecessary fees that PAYPAL committed on our XXXX XXXX XXXX acct. seriously needs to be paid to XXXX. Thanks to PAYPAL because now I'm with me being on the XXXX XXXX Nonprofit Org. bank account with XXXX ... I am now personally once again for the second time being financially held accountable to pay XXXX XXXX XXXX {$220.00} for a mishap that PayPal has caused which is are grounds for CIVIL Litigation 's in local county courts. But I am requesting that your agency look into this first. Please feel free to go to our website www.bladtalent.com or GuideStar.Org. Best ; XXXX XXXX XXXX. Director, XXXX XXXX XXXX. XXXX Email : XXXX XXXX | ||||||
| 12/11/2023 | Yes |
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| Hi there, I am writing to file a formal complaint against PayPal, a prominent financial services provider, regarding a critical issue with my PayPal account, identified with Case Reference ID : XXXX, associated with the email address XXXX. Despite my repeated efforts to engage with PayPal to seek clarification and resolution, my account remains permanently limited, and I have yet to receive a satisfactory explanation for this action. Here is a detailed account of my situation : On XX/XX/XXXX, I received an email notification from PayPal requesting clarification on a transaction that occurred on XX/XX/XXXX, amounting to {$970.00}, using PayPal 's " Friends & Family '' feature. I promptly submitted all required documentation, including proof of address, bank statements, and passport identification, in strict adherence to PayPal 's request. I also provided a thorough explanation of the transaction, ensuring transparency and cooperation on my part. To my surprise, after PayPal 's internal review, I received an email stating that my account had been permanently limited due to a " potential risk. '' This unilateral decision was shocking, as I believed I had diligently followed PayPal 's instructions and provided all necessary information for a resolution. Despite numerous calls to PayPal 's customer support, I faced protracted wait times and was unable to connect with a representative to address my concerns. Additionally, my request for a callback via PayPal 's website remained unanswered. During one interaction, a PayPal support representative stated they lacked insights into the exact reasons for my account 's permanent limitation. The decision, made by an entity called the " Selection Department, '' was declared non-appealable. Adding to my frustration, a representative suggested seeking alternative payment methods and ceasing to use PayPal. When I requested a transfer to the " Selection Department, '' subsequent support agents refused, withholding information on the specific reasons behind my account 's limitation. I believe I have been unjustly treated, denied due process, and left without a transparent explanation for adverse actions taken against my account, causing significant distress and financial hardship. Although I filed a Complaint against PayPal through the XXXX XXXX XXXX ( Complaint No XXXX ) on XX/XX/XXXX, the case was closed before I could respond. According to their email, they believed the issue was resolved due to no response from my side. XXXX from XXXXayPal Global Customer Complaints & Advocacy responded, explaining that my remaining balance would be held for 180 days due to potential chargeback risks, with funds available for withdrawal on or before XX/XX/XXXX. I contacted PayPal Support because I am unable to issue a refund to the sender, and the sender was also unable to request a refund. PayPal Support offered assistance in issuing a refund if I provided the Transaction ID, which I did. However, PayPal later asserted that, according to their review, the transaction was a personal payment and could not be refunded in accordance with PayPal policy. It is crucial to highlight that this transaction is the only transaction that took place in my PayPal account. There is no possibility of chargebacks or other forms of reversals for this particular transaction if neither I nor the sender can not issue or request a refund. The decision to permanently limit my account is unjust and disproportionate. I reached out to the PayPal Executive Office at XXXX, as advised by XXXX, seeking resolution, but unfortunately, received no responses. I had already explained the transaction 's nature in detail to PayPal during their inquiry before the account limitation. Holding my funds for 180 days feels excessive and unfair, given the circumstances surrounding this singular transaction. Attached are relevant documents for further clarification. I seek your esteemed regulatory authority 's intervention for a thorough investigation and fair resolution. My objectives are to reinstate my PayPal account, regain access to the held funds, and cooperate fully with any required information or assistance. Please contact me for further details or clarification. Thank you for your prompt attention to this matter. I await your response. | ||||||
| 05/23/2019 | Yes |
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| I am writing to inform about PayPals unprincipled business practices. On XX/XX/2019 I sold a {$400.00} gift card for the amount of {$380.00} on XXXX. I received an email from both XXXX and PayPal, informing me about the sale. The buyer subsequently wrote asking for the gift card in order to use online. At this time, I confirmed that the username messaging me through the XXXX messaging system matched the user name listed on the PayPal transaction and email. ( Please see attachment labeled username ). As you can see, the username I wrote to on XXXX, matches the username PayPal gave me. At this time the person via XXXX confirmed receipt ; they left positive feedback confirming that they spent the gift card ( please see attachment labeled positive XXXX feedback ). As you can see there is no question that the username PayPal provided me used the gift card. On XX/XX/2019 I received an email from PayPal stating that the transaction for my gift card was unauthorized, siting that there was suspicious activity on the buyers PayPal account. PayPal then took the money out of my account leaving me with a negative balance of {$380.00}. Outraged, I called PayPal asking what they problem was. They told me that the buyer did not authorize the charge and because it was a nontangible good, ( since I messaged the person the gift card number via XXXX secure messaging system ) I am not protected under seller protection, and I am therefore responsible for the unauthorized transaction. How am I, the XXXX seller responsible for PayPals poor security? I am not asking to be protected under seller protection, I am asking PayPal to be held responsible for their security mistake. This does not make any sense that I would be held responsible for a mistake made my PayPal. It is PayPals responsibility to ensure accounts are secured, and if they dont, they need to be held responsible for their mistakes. The innocent XXXX seller should not have to eat the money, as I have nothing to do with their security practices, or in this case, lack thereof. When I was on the phone with the PayPal representative, I asked her what suspicious activity they found. She told me that the purchase was either made in a different state other than the account holders address, or an unrecognized device was used ( XXXX instead of XXXX or vice a versa ). This brings me to personal stories exemplifying PayPals poor security. I recently made a trip to XXXX XXXX XXXX ( I live in Maryland ). I attempted to purchase a subway card for just {$10.00} using my XXXX XXXX debit card. My card was declined, and minutes later ( unlike PayPal ) I received a call from XXXX XXXX asking if this was an authorized transaction. If this purchase was occurring in a different state, why was the buyers transaction ( for much more money ) declined until they could either say yes, the charge was from them, or no the charge was not authorized. It is PayPals responsibility to flag suspicious purchases ( quickly, not take weeks, especially ones as large as mine ) and require customers to secure their accounts. Second, I have a credit card with XXXX. I always login to XXXX via my XXXX. I marked my XXXX as an authorized device. Occasionally I will use my desktop to login. Because my desktop is not an authorized device, XXXX sends me a text message to the phone number I have on file, with a security code to allow me to login on the unrecognized device. I wanted to test to see what would happened if my brother, who lives in a different state than I do, logged into my PayPal using his XXXX phone. I gave him my username and password and asked him to log in and try to make a purchase. He had no problem not only logging in, but also was able to make a purchase from another state. As you can see PayPal has terrible security, and fails to protect customers account. I should not, under any circumstances, be held responsible for someone cracking into this users PayPal account. It is PayPals liability to ensure that transactions are being made by the account holder, and if they do not, as in my case, they should be out the money, not the seller who has no ability to improve PayPals security. I need PayPal to give me the money I earned for selling the gift card, as I see this as fraud since they are making me pay for their mistake. | ||||||
| 02/13/2018 | Yes |
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| I contacted PayPal on/about XX/XX/2018 to inquire about accepting other payment options ( XXXX, XXXX, etc. ) from XXXX buyers because as a new seller, any PayPal payment received from a buyer was held by PayPal and XXXX for up to 21 days. When I spoke over the phone to a PayPal representative, she informed me that I needed to upgrade my current individual PayPal account that I have had in good standing for many years, to that of a business account in order to qualify for any other payment method from XXXX buyers. She aggressively and hastily pushed me through the process having me sign out then sign in, i.e., and after I did as she instructed me, I saw a notice on the PayPal screen that stated i.e., " Thank you for applying for PayPal Payments Pro we will get back to you with our decisions in 48 hours ''. At that point I was upset and asked the female rep " Did you just run a credit check background on me '' and she stated " Yes, a background credit check was run on you ''. I advised her I did not appreciate not being informed or asked first ( no authorization beforehand ) about a credit check run on me. She didn't say much except I would be getting a response from PayPal in that time frame. I realized that in her haste and aggressively rushing me through these other payment options she broke the law and violated the Credit Reporting Act. I notified PayPal a number of times but to date have not receive one response about this deliberate law violation by their agent. PayPal also placed an unlawful limitation and restrictions on my current account, while they have continued to withhold a payment from a buyer totaling {$1800.00} ( rcv 'd XX/XX/XXXX ) after multiple lies to me including stating that another account without my authorization or name on it, used my SS number and there was a debt owing on that account. I was shocked because this matter had come up once before a few years ago and I was cleared, that matter ruled in my favor by a PayPal agent. Now my present account in good standing for many years, and only after I received a significant payment from a buyer, did PayPal suddenly bring up a close matter but did state that they realize the other account is not mine but it needs to be cleared up. When I asked them repeatedly what is the information on the other account? Have you contacted the other account owner? What has been done? They refuse to give me any information. When I asked if they contacted the other party, they informed me they had. When I asked what did they say, they clam up and state they are unable to release any information. When I attempt to resolve the matter after signing in, I am directed to a " account limitations resolutions '' where when I click on the buttons for resolve, I am only shown a screen that says " click to resolve '', and when I click on this, another screen comes up " DONE '' with a strange email address. After which, " we will review your information and get back to you ''. There is nothing to review or get done on the matter at all. ( See attachments ) I realize that the other account whether it existed or not is not my responsibility or mine, and that PayPal knowing that this account I was informed of, was from well over 10 years ago, and that the statute of limitations has run out, have no legal grounds whatsoever to continue restricting and placing limitations on my current PayPal account. Though I have contacted them multiple times, they at first just ran me into circles with nothing to resolve this issue though they have admitted it is not my account. Now per all my concerns and complaints, and sending faxes and emails, online forum messages, they just ignore. When I was able to speak with a couple reps, they did nothing but make up lies and falsify their bogus stories throughout our conversation. Like rabid animals do they behave with no sense of honesty or lawful conduct. Their willful violations constitute punitive and actual damages. I need for my account to be released of their unlawful hold, limitations and restrictions and for my money to be released to me at once with no further problems in the future that relate to unlawful conduct on their part that constitutes violations of not just the Credit Reporting Act, but other laws and regulations that govern them, all of us. | ||||||
| 06/22/2020 | Yes |
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| On XX/XX/XXXX I bought the XXXX XXXX XXXX for XXXX XXXX through PayPal. I then started getting errors when trying to start the game. I tried all the suggestions on XXXX website. I also reformatted my computer and reinstalled the game. I was still getting the errors and not able to play the game. So I went to PayPal and asked for a refund. The XXXX XXXX XXXX was released on XX/XX/XXXX. I received an email on XX/XX/XXXX from XXXX saying they suspended my account because I requested a refund through PayPal. PayPal closed the case in XXXX favor saying that XXXX provided proof that I received the service. I then sent a message to PayPal through the message center because their phone customer service is closed, asking what proof was provided that I received a service for a game that had suspended my account before the expansion was even released. They said the case was closed and I should try to resolve the situation outside PayPal. I asked that my case be escalated to a manager. I was told I would be contacted that day. I waited 1 day with no response. On XXXX I messaged again saying I had not yet gotten a response. Someone answered saying that since the expansion was not released yet that it was not covered under Purchase protection which is not what they told me before. I asked that my case be escalated to a manager three times and was denied. They told me repeatedly to take the dispute outside PayPal. I was told my refund was denied because of policies and legalities that PayPal had to adhere to. I asked what policies and legalities make them refuse a refund when clear proof is provided that a service was not received. I filed a dispute with my bank who contacted PayPal. I then received 3 consecutive emails from PayPal all with conflicting information. The first said that the bank and my secondary payment method declined the charge ( The charge that Ive been disputing for almost a month ) and that they used money from my PayPal account to cover the charge. There was no money in my PayPal account its been on XXXX for awhile. And why would they say they were paying a charge that they already paid that I had been disputing? The second email said that the bank contacted them asking for a refund of the charge and their records showed they had given me a partial refund on XX/XX/XXXX so they used that money to pay the bank. They never gave me a partial refund because they denied my claim saying the merchant was in the right. And they consistently refused to review the dispute telling me take it outside PayPal so why would they claim they refunded me the day I opened the dispute? Again there was no money in my account. The third email said the bank notified them of fraudulent activity on my account and they wanted me to send them information proving the bank account was mine and that my PayPal account would be restricted until I sent proof. I went into PayPal and tried to remove my payment methods so I could close the account because of all of this and it refused to let me remove my bank and debit card information. I sent a message through the message center asking them to remove my payment methods so I could close the account and leave. They responded with you will have to verify that the accounts are yours first please send the requested documents and it will take 3-5 days for us to verify. I know that is not correct. They have the ability to remove without trying to get more information about my bank account. I responded saying I would not send them anymore information about my bank and they didnt need any more information to remove the payment methods from my accounts. I asked again to please remove the payment methods from my accounts so I can leave. I also asked for them to escalate to a manager or account specialist. They denied my refund when I sent clear proof that I did not receive the service. Now they are trying to get more information about my bank after I took the dispute outside PayPal like they told me too and refusing to remove the bank and debit card from my PayPal account so that I can close it. I have been dealing with this since XX/XX/XXXX it is now XX/XX/XXXX. They have repeatedly refused to escalate to a manager. And there is no other way to contact them other then the message center. | ||||||
| 11/03/2018 | Yes |
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| I purchased an item from a XXXX merchant on XX/XX/2018. The item ( USPS Tracking number XXXX ) was not received. I opened cases with USPS ( XXXX, international : XXXX ). USPS concluded item was lost. I tried to settle the matter with the merchant and waited patiently over 4 months but nothing moved and he alleged that he was getting no progress on matter from XXXX XXXX. When I called USPS they said the matter was already settled and that they had instructed XXXX XXXX to accomodate seller. I called Paypal about this and they advised me to open a dispute.The following cases were opened : XXXX XXXX XXXX XXXX Since the item was paid in installments these were done as separate claims. Initially the dispute was granted and I was granted refund. However, this was shortly overturned. When enquiring as to the reason for why the dispute was overturned in favor of the merchant I was told they provided tracking information. When I inquired further from the merchant I obtained the document. On comparing the signature confirmation with the original provided by USPS I discovered that the seller provided signature confirmation document was a forgery. I immediately notified Paypal about this but after spending close to 2 days on the phone with back and forth explaining the situation this resulted in nothing. The situation became further worse when although I obtained confirmation from USPS that what was provided is indeed a forgery and does not relate to the item my account was placed under limitation and I was told that I could not pursue any claim further and any attempt at appeal would be automatically rejected. I was told this was because my account was deemed a risk to them because of the dispute amounts. I am appalled at the lack of attention and blatant negligence that has been so far evinced by Paypal. I have rights and my rights as a client of Paypal can not be removed retroactive to the date that my account was restricted. This purchase was made in XXXX and the claim was filed in XXXX while my account was restricted in late XXXX - therefore I still have the right to pursue this claim while Paypal is not providing me with any facility to do so. I am providing proof to Paypal that the item was in fact lost. Furthermore, this evidence shows that the seller provided false documentation showing a forged signature and handwritten address. Paypal ( or anybody else ) can easily confirm this by going to XXXX XXXX XXXX? XXXX Enter shipping date XX/XX/2018. Then go to proof of delivery. Put in your contact information and click Request email. The proof of delivery will be sent directly to specified email. This can then be compared to the seller supplied document ( where the sellers document includes actual initials and handwritten address while the actual document is just ilegible scribbles ). Further I supplied a direct statement from USPS official XXXX XXXX who says as far as USPS is concerned they deems the item lost saying the following : Our XXXX XXXX XXXX determined that no written proof of delivery ( WPOD ) was available for this shipment. The package was therefore declared lost on XX/XX/2018, and XXXX was authorized to indemnify their sender. The delivery record available for this article ( below ) does not provide a legible signature of the recepient or the delivery address. These are requirements of Express Mail shipments. This is the only WPOD available in our system ( below ) and can be obtained at XXXX. I sent that and asked Paypal to evaluate the dispute properly on the basis of the documentation provided and make a proper decision. On the basis of the documentation there is no doubt that the seller is perpetrating fraud and I am the victim of this fraud. If Paypal does not act on this Paypal is party of the fraud and is at the very least liable for negligence given that all documentation was provided yet Paypal refused to act on this. Paypal is negligent in it's duties to uphold buyer protection. In this situation they ignore evidence that conclusively proves this item as lost. I have rights under Paypal client contract and my buyer protection rights require Paypal to look at the matter carefully and diligently. They are not doing so and thus are in breech of the client contract and party to fraud. | ||||||
| 12/01/2020 | Yes |
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| My name is XXXX XXXX. Having been an existing Venmo account holder in good standing, I decided to take advantage of Venmo 's direct deposit feature that it is advertised in the app. The email associated with my Venmo account is : XXXX. I was anticipating my unemployment benefits from the State of XX/XX/XXXX. I had been waiting months for a large lump-sum unemployment benefit payment which included back-pay dating back to mid-XXXX of this year. The total amount I was expecting was {$16000.00}. I was relieved to see that my Venmo balance had been credited in the amount of {$16000.00}. When I attempted to transfer my funds to my external bank account I learned that my account had been frozen and that Venmo -- a subsidiary of Paypal , Inc., -- was not going to allow me access to my long anticipated funds. Paypal , Inc. sent a letter to my address stating that it believed my direct deposit payments were fraudulent since I resided in XX/XX/XXXX and the Unemployment Benefits I was receiving were fromXX/XX/XXXX It is a well-known fact that it's not up to Paypal , Inc. to determine an individual 's eligibility to receive unemployment insurance benefits in the State of XX/XX/XXXX. My business with XX/XX/XXXX Department of Employment Security ( XXXXDES ) does not concern Paypal , Inc. in any way -- period.XX/XX/XXXXDES is already aware that my mailing address is in XX/XX/XXXX and that I now reside here. Since Paypal , Inc. has brought up the issue of myXX/XX/XXXX residency and used it as its reason for flagging my unemployment direct deposit payment as fraudulent, I'm glad to address this. From the beginning of this year to the summer of this year, I temporarily resided in XXXX. I earned money through XXXX as a XXXX XXXX. I also drove for both XXXX and XXXX to supplement my income. XXXX for XXXX XXXX are classified as XXXX XXXX. About mid-XXXX of this year, the entire country went on lockdown due to the COVID-19 pandemic and many were forced to stop working. The XX/XX/XXXX industry, which includes XX/XX/XXXX such as myself, was hit the hardest and remained shut down the longest. In response, the federal government passed the CARES act which included PUA ( Pandemic Unemployment Assistance ) benefits to extend those that weren't eligible for regular unemployment benefits in their respective state. PUA benefits were specifically designed to be a lifeline for XXXX individuals and XXXX XXXX -- which is the exact class of workers that I belong to. Although I now reside in XX/XX/XXXX, I am required to apply for PUA benefits in the state where I was performing work at the time when the COVID-19 pandemic triggered the national lockdown -- which was XXXX. In fact, for me to have filed in any other state beside XXXX would be considered fraud. Thus, my PUA claim is bona fide and any payments made to me by XX/XX/XXXXDES are both legitimate and legal in every which way! The funds I received were not fraudulent and I am entitled to them immediately. TheXX/XX/XXXXDES conducts their own review of each PUA claim carefully examining each for potential signs of fraud. The State of XX/XX/XXXX found my PUA claim to be genuine, filed in good faith and issued payments in the amount of {$16000.00}. The two payments received into my Venmo account were of such high amounts because they included back-pay from XXXX with an added {$600.00} per week pursuant to the CARES Act. Although Paypal , Inc. may have acted in what it believed to be in good-faith at the time when it froze my account, it has now come to light that such adverse action was made in error. I am rightfully entitled to the {$16000.00} that PayPal Inc. is currently holding over. I have endured extreme financial hardship due to the COVID-19 pandemic putting me out of work. I have suffered even greater hardship at the hands of Paypal , Inc. for its improper adverse action against my Venmo account. Paypal , Inc. has stated that it will make my funds available to me on XX/XX/2021. However, I can not continue to suffer this ongoing extreme financial hardship for another 6 months. I shouldn't have to wait any longer for my Unemployment Benefits. The State of XXXX has found my claim to be legitimate and Paypal , Inc. 's actions are beyond the scope of its business practices. | ||||||
| 02/08/2021 | Yes |
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| I opened the PayPal account around XX/XX/XXXX to have my Indiana unemployment pay deposited into I've been waiting to be paid by the Indiana department of workforce development since XXXX of last year I've been out of work since XX/XX/XXXX I filed for unemployment in XXXX I've not received one payment until XX/XX/XXXX I was awarded all the back pay and open the PayPal account for direct deposit purposes only. On XX/XX/XXXX approximately {$20000.00} was deposited from the Indiana department of workforce development for Indiana unemployment. They came in as individual payments back to back they specifically state payment from Indiana IU and PayPal is no stranger to receiving unemployment payments direct deposited. I was successful with transferring {$5000.00} out of my PayPal account and when I went to do another transfer I couldn't. I then received an email that said my account had been limited for suspicious activity or because I had broke the user agreement. I was asked to submit documentation to prove my identity my bank account and my address which I did all of that the next email I received stated my account was permanently limited that PayPal and I could no longer do business together and that my {$15000.00} from the unemployment office would be held by PayPal for 180 days. Now I've already rated without pay since XXXX of last year I have bills I have food to buy I have children I've lost almost everything at this point and what I have left to be able to keep that depending on me getting this payment this back pay the people I owe money to the people I've borrowed from the people who have let me slide expecting that I was getting this money and I did but now I can't access it because PayPal is withholding it from me. I can't get a hold of it actual person every email that you sent me is automated when I called I get hung up on I started doing research I found out that there's hundreds of people they have done this to people who are getting direct deposit to a PayPal account and then PayPal holding all of their money from them for 180 days in fact it's happening in the exact same sequence the exact same way they are giving the exact same excuse. I'm not a buy or seller on PayPal I wouldn't have any chargebacks I wouldn't have any complaints from customers because I don't have any and it's obvious that I don't PayPal knows that but I was told that my money is being held at first because I broke the user agreement which I read in the clause that stated that if you do but the user agreement PayPal can be awarded up to XXXX I found a few people online who PayPal told they would have to pay a fine of {$2500.00} before the money would be released. Second I realized the 180 days they're holding my money is the exact same time a purchaser has to open a complaint about an item they bought so it would make sense if I was selling items for them to hold the money in my account for at least 180 days to make sure that I didn't have any chargebacks or any complaints from customers because the customer has that long to file a complaint only my money is not from customers it's not from XXXX it's not from selling stuff it's from the unemployment office so 180 day hold for a person like me does not qualify. No matter what I do I get to run around I can't speak with a real person I've tried to email every email call every number I can find on the internet for PayPal I've gotten absolutely nowhere this is going to destroy me every little bit of hope that I had left is about gone thanks to PayPal if I would have opened a Vero account or a chime account this would not have happened to me I did not have the time to wait around for a debit card to arrive before my payments could be deposited I thought PayPal was going to be the best bet it's very well known I mean if they were doing business like this why are they still in business there's probably thousands of people like me there's people on the PayPal community site talking about this people all over the Internet it's in the media this isn't right this isn't fair I haven't even been given an actual reason that fits anything that I've done I've done nothing wrong this is robbery. My name is XXXX XXXX My email that is associated with my PayPal account is XXXX XXXX | ||||||
| 03/01/2022 | Yes |
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| On XX/XX/2022, my XXXX XXXX, XXXX XXXX XXXX XXXX, opened up a PayPal XXXX Account as a payment gateway for online registrations for parents to sign up their kids for summer camp. I set up the registration form online through XXXX. XXXX offers PayPal as a payment XXXX to process payments. I connected my Paypal account to XXXX and the embedded code into my website ( XXXX ) and began accepting XXXX XXXX Registrations. XXXX XXXX is runs for only 4 weeks out of the summer, Monday through Thursday from XXXX am - XXXX pm and is for kids ages XXXX years old. PayPal immediately restricted my account stating they would hold the funds for 21 days as a standard procedure for new accounts. They asked me for my D.L. and to verify my business by uploading a copy of my IRS letter with my EIN. I downloaded the information as requested. The next day, I received another account limitation notice asking me to submit my supplier bill and the shipment confirmations for all of the charges on my PayPal account. in this communication, there was a number for the Account XXXX XXXX, so I called the Account XXXX XXXX. I spoke to a PayPal representative on the phone and explained that there were no supplier bills and shipment confirmations since I was taking camp registrations. The fee for 1 week of camp is {$130.00}. The representatitive for PayPal took my information and told me he would pass it on to the review team. The next day I received a notice that PayPal would now be holding the registration funds for 180 days and my account was permanently restricted. I again called the account limitation department and I asked to speak to a manager. They transferred me to an employee named, XXXX, who worked in the account limitations department. XXXX advised me that I could file an appeal. XXXX asked me for the business information again and he verified that the documentation they requested I provide them had, in fact, been received by PayPal. I explained to XXXX what the charges were for and that PayPal was requesting that I submit a copy of the supplier bill to them along with the shipment confirmation for all of the charges I had taken. I explained that I was using PayPal for camp registration and provided him with the company website so he could verify it. XXXX said he filed an appeal and I should check back with them in a few days. I called back 4 days later to the PayPal account limitations department where I was told that my appeal was denied. After a long conversation with PayPal account limitations department, the account limitation department refused to disclose to me why my PayPal account was limited and restricted or what portion of PayPal 's user agreement I had violated. They were unwilling to tell me or negotiate with me in any manner to resolve this issue. I made it XXXX clear to PayPal 's account limitation agent that their specific actions of limiting and then restricting the summer camp fees was prohibiting XXXX XXXXXXXX XXXX from obtaining permits, purchase tee shirts for camp participants, and blocking the companies ability to meet payroll for the employees hired to run summer camp. I asked them to refund every charge on the PayPal account from XX/XX/2022 through XX/XX/2022 directly to the parent/parents PayPal account , debit card, credit card account and that I would use a different payment gateway to accept payment. They were unwilling to negotiate or refund my client 's money. PayPal has restricted my access to my account and removed my ability to personally refund any payments made to me as well. PayPal is currently holding {$12.00}, XXXX and preventing my L.L.C. from performing its contractual obligations to summer camp participants and their parents who paid for camp utilizing PayPal. I was advised by PayPal that I will have to wait until XX/XX/2022 for further instruction on how to release my funds. Their agregious conduct and failure to explain the specific reason for limiting the account, restricting the account, and refusal to refund the parent/parents payment directly to them is unconscionable and leaves my L.L.C. and its reputation in peril. This action by PayPal is harming my business and I have serious concerns that PayPasl is earning interest off the money being held. | ||||||
| 01/24/2022 | Yes |
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| This is XXXX XXXX XXXX and when i get payments to my account and or wire transfers in agreed payment dates, my accounts, cards get suspended and or closed automatically without me requesting it. They have me. Verify my identity each time, then they report my card stolen before i can even use it. They don't give me the transactional history reports, payments, depositors contact information, amounts, copies of emails XXXXr messages showing the ip address or phone number of who requested my accounts, cards or denied the transfer of funds, dates, times, reasons why. I was approved for PayPal Credit, XXXX account and XXXXXXXX Credit Card, won the lifetime Paypal XXXX 6 times, given a grant through the PayPal donators and Vendors. This happens all the time as my calls to.correct these issues are often forwarded to people who won't assist me. This jas also happened to a few business accounts of mine with prepaid cards, several online payments I've posted to my accounts, some other people sent me money too. I've sent in numerous proofs of missing payments from XXXX, XXXX, XXXX, XXXX Payments, bank and online wire transfers. I've opened accounts with checks and when it clears, my accounts are closed and they use any excuse to keep my money, closing my accounts without my permission. My personalized cards including a recent photo of me aren't being given to me, people are switching my accounts and cards into their names and or adding themselves onto my accounts, taking me off the account, blocking my access and not givng me prior proofs of identifying documents, bank and or savings accounts, all prior depositors or payors information, wire, online and bank transfers, in person payments or transfers and or payments, safety deposit boxes and the theft of an account that's turned into a charity and was court ordered to be given back to me including all financial accounts linked, credit cards, prepaid cards, rewards cards, access cards, online financial accounts and gift cards as well as pre set cards from other people, groups, websites, charities, companies, having people know this is going on and doing nothing to stop it is the same thing as theft as they purposely close my cards, steal them from me, transfer my money into their accounts and cards and lie and say they have permission or the streets made me. Regardless of the phrase used. Nobody morally, legally or justifiably can say that with any truth in in what they say and do to me without any justification because theft is theft and there is no loophole in the fact that they know better and know irs illegal and morally wrong. I do not have any way to support myself as my hones are broken into, my property damaged and stolen amd I'm forced to be XXXX broke, and with no support and put down so badly that they expect nobody to care about me, my life, my children amd or my missing husband. Pretending I'm mentally incompetent, insane and imagine things occurring that don't is also ways to keep my money, property and documents from me while destroying and stealing my tablets, laptops, computers, ipads, iwatches, hand held cameras, cameras, recordings, cds. Vouchers, watches, jewelry, ids, passports, travel vouchers, agreements, diaries, lock boxes, safes, vaults, storage units, sheds, houses, apartments, condos, buildings, businesses, tapes, purses, wallets, backpacks, luggage sets, dressers, recorders, money orders, blocking texts, messages, voicemails, phone calls, mail, packages, shipments, claiming to be a team helping me, bu0t are causing and committing the theft and lying and or claiming they work with me or for me or married me but neither is true. Keeping me from communicating and accessing my money, Account 's, vouchers, preventing me from recieving help from local charities, groups or people due to greed and threats and violence leaves with me nothing and talk about me in such a negative way that kids even put me.down, calling me XXXX and a XXXX and blaming me for their own.theft and violation of my civil rights. This is no investigation as they know i sued before and won and you still won't provide me with copies of prior checks, cards, accounts, reports and print me a new check and the post office doesn't..give me my mail. XXXX and XXXX XXXX | ||||||
| 06/28/2019 | Yes |
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| I have been working to try and get this issue resolved since Thursday, XX/XX/2019. I am the owner of a small business out of XXXX, TX. I initially tried to intiate a transcation through my Paypal account in order to transfer funds from my Paypal account into my Credit Union business account. Prior to initiating this trasaction, I changed my business account with my Credit Union from a XXXX to a XXXX, which in turn changed my bank account number. I DID NOT change institutions, the account number was changed. When I tried to transfer the funds from my Paypal account into the new account with my existing Credit Union, ( same routing number, Institution Name, Institution Address ; just a different account number due to the new business title ) the transaction would not go through. I called Paypal to speak to a representative named XXXX. XXXX explained that I needed to verify my Name, Account, Institution, etc. I was able to verify all my information and any subsequent security information I was asked to verify. I was told to wait till the next day to initiate the transaction, which I did. I tried the next morning Friday, XX/XX/2019 to initiate a transaction in order to transfer these funds to my account at the XXXX XXXX. The transaction was blocked, and when I called to speak to another representative I was told this was due to a " Risk Assessment '' system that could not be circumvented. When I asked what I needed to do to complete my transaction after verifying my information again, I was told I had to wait a few hours to try again. Saturday, XX/XX/2019, I tried to initiate the transaction once more, and again, it was blocked. I called Paypal in order to find out why these transactions were not going through, and how to correct this situation. Once again, the representative had me verify my information from A-Z and everything in between, and once again, I was told this was due to a " Risk Assessment '' system that no one knew anything about except that it blocks " suspicious '' transactions. No resolution, or even advice as to how to get this corrected other than wait till Monday. Monday, I tried to initiate the transaction once again - once again, the transaction was blocked. I called Paypal and was put through to XXXX : ID # XXXX, who in turn put me in touch with a representative named XXXX : ID # XXXX, where I was subsequently placed on hold where the total call lasted 4 hours 55 min 9 seconds. I hung up and called back a few hours later and spoke to XXXX : ID # XXXX, who stated that the system could hold the funds indefinantly if they so deemed, and there was nothing that we could do. At this point, both my wife and I were completely exasperated. We hung up, collected ourselves, and called back on Tuesday, XX/XX/2019 and spoke to XXXX who stated the account was still flagged due to the fact that transactions were initated too often without waiting 48 hours between each attempt. This was the first ANYONE we spoke to told us about waiting any amount of time. She assured me that if I waited until XXXX on XX/XX/2019, the transaction would release and process. Today, XX/XX/2019. I in fact waited until XXXX in order to make sure the appropriate amount of time had passed in order to process this transaction. The transaction did not process and was still blocked. I called again, and spoke to XXXX to them stated that we could not in fact initiate this transaction electronically, but could get a check issued for the account balance. I requested the check be issued, and stated we want the account closed. XXXX assured me the check would be issued in 7-14 business days, and I would be receiving an email verifying this request. As of yet ; however, I have not received a verification of the check being processed for release, and am still waiting for this verification. The total amount needed to be trensferred from the Paypal account to our Credit Union account is {$9.00}, XXXX. This overall has been an absolutely horrible experience and we have basically experienced lack of professionalism and blatant disregard of any consumer protection laws or regulations as to how and when these funds will be released. We request your immediate help with this situation and thank you in advance for your consideration. | ||||||
| 01/29/2021 | Yes |
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| This Complaint has to be reopened and New Complaint has to be submitted a request for Pay Pal to provide me how my PayPal account was charged without my authorization. I did not request a RIDE. The last ride I authorized from an XXXX account was in XXXX, see attached evidence. I never used XXXX for any rides, since XXXX. These IDIOTS at PayPal continue to tell me there was no unauthorized charge. There was a ride with XXXX that I did not request, not for me or no one else. Having a prior agreement does not explain an unauthorized charges. I may have an old agreement with XXXX Prior to my last ride in XXXX, and the last authorized ride was in XX/XX/XXXX. PayPal claims that my Complaint is regarding a transaction that was processed through my PayPal account, which agreed to, I did not unauthorize a Ride. I do not care to request that PayPal reimburse me for the amount of the transaction, PayPal can shovel the crumbs of money. I NEED AN EXPLANATION to HOW SUCH CHARGE WAS PLACED. I am not questioning the account I agreed to open with PayPal, NO BODY IS ARGUING ABOUT the fact I provided XXXX XXXX account to be used as a funding source and for AUTHORIZED CHARGES, I did not authorize the XX/XX/XXXX XXXX RIDE, because I DID NOT REQUEST ANY RIDE. Pay Pal Executive Escalations department is claiming that on On XX/XX/XXXX, I initiated a billing agreement ( Billing Agreement ) with XXXX XXXX XXXX XXXX XXXX Merchant ) which allowed the Merchant to process payments from my Account pursuant to the terms of the Billing Agreement. I DID NOTTTT. Why would I need to initiate another agreement when I already had an agreement entered prior to XXXX. I already had an existing agreement that was more than four years ago, nut never used XXXX since XXXX. Yes if I requested the ride in XXXX of XXXX, It would have assumed that I agreed that payments for the ride to be paid through PayPal as a preauthorized transfer or preapproved payment. The Big issue here IS that this NO GOOD COMPANY IS FAILING TO UNDERSTAND, I DID NOT REQUEST NOR DID I HAVE A RIDE WITH XXXX on XX/XX/XXXX. When I contacted on On XX/XX/XXXX, I contacted PayPal customer support to report unauthorized activity and not to be asked to change my password, I was forced to change my password. Because obviously the charge with XXXX did not occur with a login to my account, the ride was order via XXXX XXXX, which I do not even have on my phone. My Paypal password had nothing to do with the XXXX XXXX. I am only asked to enter my paypal password only when making purchases on line. PayPal as part of its investigation into my claim of unauthorized activity included, IT CLAIMS BY looking at my Account login history and payment history WHICH ALL ARE undisputed CHARGES AND purchases activities and valid login History, it is outrageous that they would use that to deny my valid claim, PayPal is shamelessly claiming that my activities were consistent with my historic Account activity, HOW THE XXXX IS A CHARGE I HAD GIVEN NO AUTHORIZATION, CONSISTENT WITH MY HISTORIC ACCOUNT ACTIVITIES. My activities is done from my computer and it is only limited to buying PRINTING INK, STAMPS and purchase some household small items. HOW IS A CHARGE FROM XXXX CONSISTENT with purchases I made from my desk computer. It is clear we dealing with some PURE IGNORANCE AND ARROGANCE, with a second grader education. Why can't PAYPAL hire some people with at lease a middle school education. Now there is NEW CONCERN, THAT IF there has been any XXXX CHARGES PAST XX/XX/XXXX, which is the last RIDE ordered with my XXXX account, I demand for PAYPAL, To provide me with ALL XXXX CHARGES POST XX/XX/XXXX, it seems that I was only aware of the last charge in XX/XX/XXXX. Pay Pal also never provided me with a copy of what XXXX RESPONSE WAS, also since PayPal concluded that I had an agreement with XXXX with the account that initiated in XXXX of XXXX, then PayPal needs to provide proof of that agreement and it must contain my email address my phone number. I recently request my old XXXX Account that was opened 4 years ago to be closed. Now PAYPAL needs to provide me with evidence that support their claim that there is an XXXX Account that I agreed to open in XXXX of XXXX. IT IS AS SIMPLE AS THAT. | ||||||
| 04/06/2020 | Yes |
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| PayPal ( repeat problem ) On XX/XX/XXXX transaction unauthorized debit from my checking account to purportedly " resolve a negative balance '' in my PayPal account in the amount of {$2000.00}. I never processed or had a transaction via PayPal for that amount. I had tried several times via PayPal to make very small donations to political campaigns and food banks in the amounts of {$25.00}, {$20.00}, and {$15.00} - each time online the amount I entered defaulted to amounts over {$2000.00} - so I immediately got out of the transaction. The first two times, transactions in excess of {$2000.00} processed anyway - and I contacted both my bank and the organizations as well as PayPay to reverse the amounts : thanks to those organizations and XXXX XXXX XXXX, those amounts reversed within a couple of days. This last time, I didn't even know PayPal put through a transaction until I was reviewing my bank account online and have no record of that amount processing to any charity ( I tried to check ). I wrote to PayPal on their web site a half dozen times and also tried to call ( no one answers ). I said not only to reverse this transaction but to cancel my PayPal account immediately. I contacted XXXX XXXX XXXX to reverse the transaction - they couldn't do anything for four days because it was pending, showing as still " processing '' for an extended period of time. Finally, XXXX XXXX XXXX put the amount in dispute ( unfortunately I had filed the claim online initially for {$20.00} less than the total in my panic to get it reversed so claimed {$2000.00} and issued me a temporary credit to my checking account. XXXX XXXX XXXX also issued a permanent stop payment on all PayPal transactions. However, I received a PayPal email informing me that I have a " negative balance '' in my PayPal account due to the disputed amount with my bank. This borders on financial fraud : taking money out of my account, providing no means of dispute-contact-resolution, and having no way to cancel my PayPal account while retaining access to my banking account and information. I need your help - and also need you to stop this practice immediately please. Here is the email PayPal sent me : Today on XXXX XXXX XXXX Old Mail Drafts12 Sent Spam9 Recently Deleted Contacts Calendar Folders Saved Mail154 Archive Drafts Notes Recovered Mail Recovered Sent Mail SavedIMs Spam Events FRI, XXXX XXXX All DayXXXX XXXX SUN, XXXX XXXX All DayXXXX WED, XXXX XXXX All DayXXXX XXXX SUN, XX/XX/XXXX All DayXXXX XXXX XXXX MON, XX/XX/XXXX All DayXXXX XXXX SUN, XX/XX/XXXX All DayXXXX XXXX XXXX SAT, XX/XX/XXXX All DayXXXX XXXX Images blockedTurn off image blocking Show images | Don't block this sender PayPal case XXXX Sun, XXXX XXXX, 2020 XXXX XXXX XXXX XXXX To XXXX XXXX XXXX Hello, XXXX XXXX PayPal Add money to your PayPal account About your chargeback Your credit card issuer recently notified us that you initiated a chargeback for a payment you didn't recognize. We researched the transaction and found that you initiated the payment to resolve a negative balance in your PayPal account. As your credit card issuer accepted your chargeback, they refunded {$2000.00} USD to your credit card. Unfortunately, this means your PayPal account is still negative in the amount of {$2000.00} USD. What to do next To resolve your negative balance, please log in to your PayPal account and add money to your account. When you add money using your bank account, it can take 3 to 5 business days for the transaction to clear from your bank to your PayPal account. Your money is instantly available when you use XXXX XXXX XXXX. If you have any questions or concerns, please don't hesitate to contact us at XXXX. We're sorry you're having problems with this transaction and want you to know we're here to help. You can find additional information and tips about buying and selling safely on our XXXX XXXX XXXX. Transaction details Case ID XXXX Transaction date XX/XX/2020 Transaction amount {$2000.00} USD Dispute amount {$2000.00} USD ( P.S. I CALLED THE PAY PAL NUMBER MULTIPLE TIMES AND AFTER GOING THROUGH THE MENU PROMPTS AND THEN WAITING ON HOLD 20+ MINUTES FOR AN " AGENT, '' GOT THE RECORDED MESSAGE THAT DUE TO CORONAVIRUS HELP CENTER IS CLOSED. ) | ||||||
| 02/11/2019 | Yes |
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| I sent 3 Paypal " Friends and Family '' money transfers to my daughters ' mother ( XXXX XXXX ) on XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$3400.00} ) and XX/XX/XXXX ( XXXX ) for her to put down payments on 2 investment rental condos and to pay for my daughters school tuition and books. I received corresponding transaction receipts and email " Transaction Detail '' confirmations ( see attached ) and in all cases no mention of any fees was made and in fact each emailed " Transaction Detail '' report stated XXXX XXXX would get the full amount I sent her. On XX/XX/XXXX, I discovered the emailed " Transaction Details '' confirmations XXXX XXXX received did not match the ones sent me, she had in fact not received the full amount as stated in my confirmations and emailed " Transaction Details '' confirmations, and instead {$340.00} ( 4.41 % ) had been deducted from the 3 money transfers ( see attached are copies of the corresponding email confirmations XXXX XXXX received showing large fees deducted ). ( Please note, that on a XX/XX/XXXX money transfer of {$2500.00} ( see attached ) fees of {$4.00} were listed on my emailed " Transaction Details '' confirmation and it stated that XXXX XXXX would receive {$2500.00} and that is in fact what she received. So if they could list the fees on this transaction, Paypal should have listed the fees on the other 3 transactions. Had Paypal they done so, knowing Paypal has a maximum {$4.00} flat per transaction fee for " Friends and Family '' money transfers I would have known there was a problem and stopped the transaction. ) I went back over the website to try to figure what happened and realized there is a box to uncheck if you want the funds sent as a " Friends and Family '' money transfer and apparently I mistakenly did not uncheck the box, so the funds were regarded by Paypal as a commercial purchase from a merchant instead of funds to a family member resulting in much higher fees ( {$340.00} in fees instead of a maximum total of {$14.00} ). Again, had Paypal listed the transaction fees on my confirmation and my emailed " Transaction Details '' confirmations I would have caught and corrected any mistakes on my part. So I thought well no problem, I will just phone Paypal, explain what happened, and get the incorrect fees reversed. I was sure wrong. Instead, I spent all day Monday, XX/XX/XXXX on the phone or on hold or passed from incompetent foreign representative to incompetent foreign supervisor ( all with weird first names like XXXX, XXXX or XXXX ) at some call center in the XXXX and having to repeatedly explain to each what happened and that I wanted the fees reversed. All I got was a big run around with them saying fees in error can not be reversed. No matter how many times I called or how many different Paypal numbers listed ( including XXXX corporate headquarters ), all my calls went to incompetent XXXX. When I would ask how to reach or be transferred to corporate Paypal in the USA or for them to email corporate to call me I was told that was not possible. They would tell me they had no USA phone numbers or emails and the XXXX call center was the final authority. Finally one supervisor ( I think her name was XXXX ) glibly told me I could simply have XXXX XXXX send the money back to me and for me to then send it back to XXXX as " Friends and Family ''. After I explained the money was already spent, she told me that all we had to do was have XXXX XXXX phone Paypal and request a " fee reversal '' for " final approval ''. Of course the " solution '' the supervisor gave me was just a lie to get rid of me. When XXXX XXXX did phone Paypal on XX/XX/XXXX like we were told and asked for a " fee reversal '', she got the run around too. She spoke with XXXX representative XXXX ( employee number XXXX ) and was told Paypal can not refund mistaken fees and since a mistake was made in their favor they get to keep it. Basically, when there is a problem, Paypal " customer service '' is run like a two bit scam operation designed to wear you out and have you give up instead of actually solving the problem like a good corporate citizen would! Frankly, I think I would have better luck dealing with the XXXX " princes '' running their scams. | ||||||
| 06/17/2021 | Yes |
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| XX/XX/XXXX : I purchased a XXXX blanket on a XXXX XXXX XXXX from a company page titled XXXX XXXX XXXX. The blanket I purchased was supposed to be a 60 '' x90 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$270.00} USD. I received the blanket on XX/XX/XXXX and notified the seller immediately showing proof that the blanket was only 60 '' x82 '' in length. The seller took no accountability for the length discrepancy and stated that if I wasn't happy that I'd have to send the blanket back on my own dime in addition to charging me a 5 % restocking fee. I told them that was unacceptable as the blanket was still brand new with tags, I notified them of the length discrepancy the same day as receipt of the blanket, and since the blanket was a double-sided luxe blanket, I was shorted 16 '' of overall fabric. The seller continued to be uncooperative, so I filed a PayPal dispute on XX/XX/XXXX with case ID # XXXX. XX/XX/XXXX : I hadn't received a response to my PayPal dispute filed, so I called my bank to file a dispute through XXXX XXXX and was given claim # XXXX. XX/XX/XXXX : I received an email from PayPal advising they had decisioned in my favor and that I would need to send the blanket back to the seller, retain the receipt as proof the item had been returned and submit to PayPal, and I would be refunded the amount for the blanket, plus shipping. XX/XX/XXXX : Returned blanket to seller and sent copy of the receipt with dispute filed through PayPal as instructed. USPS Tracking # XXXX. XX/XX/XXXX : Received email from PayPal acknowledging the dispute I filed with XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX : I don't remember the exact date, but I called into PayPal regarding the email I received on XX/XX/XXXX. The gentleman I spoke with advised me to cancel my dispute with XXXX XXXX as PayPal had already made a decision in my favor and they couldn't proceed until I cancelled the dispute with XXXXl XXXX. As verbally instructed by PayPal, I called XXXX XXXX and cancelled the dispute. XX/XX/XXXX : PayPal sent an email stating that they were not going to issue a refund. XX/XX/XXXX : I didn't open the email until this date and immediately called into PayPal to find out why they went back on their decision to issue the refund. Representative stated it's because I had opened a dispute with XXXX XXXX. I advised the representative of the call I made sometime between XX/XX/XXXX - XX/XX/XXXX and as instructed by that representative, I called XXXX XXXX to cancel the dispute. The representative transferred me to a supervisor who CONFIRMED they decisioned in my favor, confirmed through USPS that the item had been returned as the seller was unresponsive, and they would pull the recorded call from when I called in between XXXX/XXXX/XXXX - XX/XX/XXXX to proceed with issuing the refund, plus shipping to me. XX/XX/XXXX : No response received from PayPal, so I called XXXX XXXX, and was advised to send in proof of dispute filed through PayPal and dispute was decisioned in my favor. Documentation sent in to XXXX XX/XX/XXXX : XXXX XXXX sent an email that no errors were found matching the amount of {$270.00} USD? XX/XX/XXXX : Opened email sent by XXXX XXXX on XX/XX/XXXX and called as the response didn't make sense. Representative filed a new dispute through XXXX XXXX with claim # XXXX. XX/XX/XXXX : XXXX XXXX sent an email stating the dispute was denied as the dispute was filed outside of chargeback timeframe? XX/XX/XXXX : Called XXXX XXXX and they stated the only route I have left to get my money back from PayPal is to file a CFPB dispute. I am filing this dispute because I purchased a blanket on XX/XX/XXXX in the amount of {$270.00} USD that was supposed to be 60 '' x90 '' XXXX XXXX XXXX XXXX on XXXX XXXX ; when I received the blanket was only 60 '' x82 '' and the seller was uncooperative and wouldn't take any accountability for the fabric shortage, hence why I filed a dispute through PayPal. PayPal notified me the dispute was decisioned in my favor, so the blanket was sent back to the seller on XX/XX/XXXX as instructed by PayPal ; however, I have yet to be refunded the {$270.00} USD I paid for the blanket, nor the {$20.00} USD I paid to ship it back to the seller. | ||||||
| 02/04/2019 | Yes |
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| My PayPal account was hacked. I discovered this on XX/XX/XXXX when I tried to use my debit card and a transaction was declined. I logged into my bank, and discovered my checking account showed overdrawn because there was a transaction initiated by PayPal transferring {$500.00} from my linked checking account to my PayPal Account. When I logged into PayPal, I discovered that my account language had been changed to XXXX. It took me three tries to find a Customer Service # that lead to English speaking operators. The person I spoke with said they would file a fraud report and recommended I do the same with my bank. They also had me change my PayPal password ( which I had just done, but they made me change it again while I was on the phone with them ). A week later, my PayPal balance still showed {$500.00} and my account was still in XXXX. When I called back, the man I spoke with fixed the language and told me to transfer {$500.00} from PayPal back to XXXX, which I did. They also sent me a letter via the internal message system for XXXX stating this was fraud and asking the bank not to charge me an NSF fee for it. So ... .. XXXX XXXX in, XXXX XXXX out should have XXXX out my PayPal Balance . Instead, my balance went negative {$500.00}. I reached out to PayPal via their internal message system, and asked why it was showing negative. I got an automated response that said to reply again if the form letter didn't solve my issue. I replied back immediately, and got another form letter telling me to call their IVR. In the meantime, I get a letter from a collection agency, XXXX XXXX XXXX, XXXX indicating my PayPal account ( with an ACTIVE FRAUD DISPUTE ON IT ) was referred to collections. I contacted the collection agency, and spoke with XXXX XXXX on XX/XX/XXXX at XXXX. i explained about the letter & the fraud dispute. She returned the debt to PayPal and marked it fraud. Today ( four business days later ), I called the Customer Service # for PayPal and the IVR automatically transferred me back to the collection agency with absolutely NO means of talking with someone at PayPal. They had no means of transferring me back to PayPal, which is who I really needed to talk to. I finally called the Customer Service # back again, refused to input any identifying information, and got put into a 'call back queue '. An hour later, I got a call from someone at PayPal who absolutely REFUSED to provide me with any documentation showing that I owed them {$500.00}. He said the initial transaction ( which shows to me on their website as {$500.00} in ) was not funded. Since I can not see that, I asked him to provide that to me in writing - he would not do it, and insisted I had to provide *him* proof that it wasn't owed. After arguing with him for about 45 minutes about the fact that the burden of proof lies with the debtor, he finally transferred me to a supervisor, who ALSO refused to give me the documentation and claimed I could see what he sees. I explained that I can't, and that all I needed was the Transaction ID, tracing the funds, showing where the funds ended up. I didn't care how he sent it - print screen & email it, print it out on paper & mail it, take a snapshot with a phone & text it. I was open to ANY form of written documentation that would provide proof of what they were saying. After 105 minutes of being on the phone with PayPal, he finally lied to me and stated he would send it to me in Messages, but he did not. XXXX completed their investigation, and indicated it was resolved. So if it's resolved, my PayPal balance should be XXXX. If it's not XXXX, then I need the documentation to go back to XXXX and have them investigate and PayPal refuses to cooperate. From what I can see, it appears that PayPal is attempting to scam me out of {$500.00} and using their leverage as a major company to coerce me into cooperating instead of simply providing me with the written documentation I requested. It is illegal for them to negatively impact my credit, to send me to collections, without providing proof there is a debt. And to do this to someone who was the victim of hacking because THEIR website security was insufficient just puts salt on a wound. | ||||||
| 04/21/2021 | Yes |
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| On XX/XX/XXXX my Paypal XXXX XXXX account ending in XXXX was permanently closed. I was notified by an automatic email from Paypal that they suspected me of participating in fraudulent activity using my Paypal account after I requested password assistance with a login attempt. I explained to Paypal customer service that my VPN service interfered with another prepaid card service, who locked the account automatically, but resolved the issue 7 days later and determined the problem, reopening my account. It was explained to me again that Paypal acts within the service agreement signed by me providing Paypal 180 days to investigate fraudulent activity before being required to give access to funds in the account. After several unsuccessful attempts to work with customer service at Paypal, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX and in the time period allotted by them, I received a response from Paypal that was an apology but also defended the security practices, and a request to verify my identity with customer service, for my account to be reopened. I was an independent XXXX for XXXX, which is a XXXX XXXX employer, who works with XXXX to provide immediate payment on my mastercard after a shift was worked. Three of those deposits did not register into my Paypal cashplus account that were made at the time the account closed. I contacted Paypal several times, and they showed no record of the deposit. I contacted XXXX, and they showed no record of a returned deposit, and referred me to XXXX. When I contacted XXXX, they also showed no record of a returned deposit, and further assisted in providing tracing information for the attempted deposits. They advised that the bank deposited to be contacted and request a trace on the deposits to determine where they were returned to. I contacted XXXX which is the bank for the cashplus card, and they directed me back to Paypal. I filed a dispute with Paypal customer service on XX/XX/XXXX for each deposit and later received a message in my Paypal account for each dispute, saying Paypal has no record of a deposit attempt and was directed to request XXXX to reclaim the deposits and reapply them to the account. I filed a claim on the issue of the deposits with the XXXX, which has a deadline of XXXX for Paypal to respond. First, if Paypal, as advertised on the career section of their website, is a progressive corporation that serves consumers to empower them, then they are not delivering on that statement. Accusing a customer of suspicion of fraud, to the extent of permanently closing their account and freezing their funds there, is the furthest thing from empowering your customers with service. I would have expected resolution within 2 days and a sincere immediate apology for the closing the account and the email which felt degrading to me in being accused of engaging in fraudulent activity. Because of the account being closed, I had no access to money for transportation and lost 3 of work, in addition to cancelling a scheduled shift at the last minute. 180 days is unacceptable, and to not receive action until an outside agency XXXX steps in, is also non-delivery of advertised corporate ideals. I received the same lack of service regarding three deposits. I am suspicious of Paypal 's practices in the newer direct deposit line, and find it disconcerting that they do not search deeper with tracing information offered, to the bank level to determine where the deposits are. In the first XXXX complaint, the apology given contained the statement that the 'frontline customer service ' employees do not have the training, but I also question the procedures of the limitations department, which isn't frontline, who never followed up with any information on investigations. Further, I challenge Paypal to present the documentation of investigations that were done on my account whose " findings '' were used to justify keeping my account closed with a freeze on money in the account. This was until XXXX helped resolve the situation. I am now pursuing the deposits, and also a XXXX complaint regarding them. This is the highest degree of mistreatment I have ever received by any company providing financial services. | ||||||
| 11/21/2022 | Yes |
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| PayPal Policy changes needed. I was going to make a purchase from a nail polish company XXXX XXXX XXXX on XXXX XXXX, 2022. I signed into PayPal to use them as the payment method. I ended up not going through with it. The next day when I signed in to my banking app I saw a purchase for {$30.00} from the nail polish company and then a refund of {$30.00} dollars. When I was going to make the purchase it was a little over that about $ XXXX. What was even more of an issue is a saw another XXXX PayPal purchases for {$7.00}, {$40.00} and {$36.00} from a company called Inscents Waterfalls. Since I didnt make this purchase I called PayPal to dispute it as an unauthorized transaction. They informed me they would look into it and Id have to wait until XXXX XXXX to which I said fine but my account should be credited in the process because my money was stolen. They also advised the reoccurring billing was set up. They said they dont do credits. I do not understand how you operate as a financial institution with antiquated policies. They would not credit my account during the investigation. The also advised they didnt show the nail polish purchase on their end. I said it doesnt matter that is how they gained access to the account because previous to this incident I hadnt accessed the account for anyone to be able to steal my login information to do what they did. I took screen shots and provided them of the purchase and how it showed just like any other PayPal transaction. When I explained I needed the money and it was mine they should have just told me oh well we dont care. I informed them I would be filing this complaint and it meant nothing. This meant nothing because they completely outsourced their customer service and did not equip them with the information nor tools to be successful in these situations dealing with individuals from a different country and their institutions or federal complaint systems. That is completely unfair to them and bad business. When I followed up in a attempt to speak with someone of leadership about the timeframe because I needed the money the lies started. I was told by 4-5 different employees that it would be 24-72 hours through out this experience. I continued to get the run around which was extremely upsetting after I followed up when the 72 hours was over. They again tried to tell me 24-72, which was not ok and I asked to speak to management. At this point I was told I probably wouldnt be getting my money back because there isnt unusual activity on the account. I asked what was unusual activity and was advised, password change, phone number change. I asked me calling submitting a claim calling as often as I am freaking out over about {$90.00} isnt unusual. Explaining how they gained access isnt unusual. They set up reoccurring billing on my account and I wasnt even aware and I had no way to stop the billing through the actual company. None of this is unusual. PayPal polices are so antiquated they dont even acknowledge how scammers find new ways to steal or technology advances for scammers to do what they do. They care nothing about how scams affect their customers as long as they created large dividends for investors and bonuses for senior leadership. Next, when I spoke to a manager, the same one that said I wouldnt get my money back, suggested I change the claim to services not received. I asked why she said I have a better chance of getting my money back. I asked what the process was and she advised we reach out to the merchant to confirm if they provided the service or product. I couldnt believe how tone deaf this was and lacked critical thinking. If you are successfully scamming people. You are not going to tell PayPal. In addition to that you are asking that I lie and say I set up the payment when I did not. When you XXXX search this company a popular search is inscents waterfall scam. That should say enough. PayPal did not do their due diligence in this situation, they have no consideration for their consumers. I have include screenshots of the nail polish so you can see that they are mimicking your company purchases. This should be a problem for you. I also provided this to your representative. | ||||||
| 08/04/2017 | Yes |
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| Greetings, I am XXXX XXXX XXXX Secured Party and Authorized Representative of XXXX XXXX XXXX On XXXX XXXX, 2017, after having my identity verified by PayPal ( as well as informing PayPal that this is a Trust account ) I linked my PayPal account to a XXXX XXXX XXXX XXXX XXXX in the name and identifying the PayPal account. My first transaction was a withdrawal in the amount of {$1000.00} to my PayPal account. I was informed it would take 3-5 business days.number ( SSN ) I use in XXXX XXXX XXXX/XXXX. Once the account was established I began to transact with PayPal by using the XXXX XXXX XXXX XXXX as a Primary funding source. I decided to shop online for a much needed replacement for my laptop. I placed an order with HSN after adding PayPal as a payment method. Upon completion of the order the transaction was reversed and access to the account was limited for no apparent reason. A decision made by PayPal ( I would soon find ), along with a note that I would need to contact them ( PayPal ). Once I contact PayPal I asked for the Reasons Code. I was told by one representative that the system wouldnt give specific reasons as to why the transaction is being denied and was then told to try another online merchant. So I make the transaction with XXXX and the transaction was completed. At that time PayPal notifies me that I can no longer use PayPal as my account was permanently limited until I contact them. Afterward PayPal contacts me and ask if I could show them a bank statement from the account. And I remind PayPal that this is a Trust account and I am only a Beneficiary ( same as I told PayPal when verifying the linking of the account. ) My identity was verified by Telephone # and address associated with the PayPal account. Both accounts have the same name and identifying number. On one call I was assisted by XXXX XXXX only to be told the same the system wont give specific reasons as to why my transactions are being denied. I then ask PayPal if I could send them Proof of Title ( Authenticated Birth Certificate, Social Security Card, Affidavit of Counter Deed of Birth Certificate ). They kept referring to their systems lack of a reason for my declines. On XXXX XXXX, 2017, the order from XXXX arrives and there are no complaints from the buyer not getting his/her payment. The buyer from XXXX sends me an offer for a coupon on XXXX XXXX, 2017, and says nothing about a lack of funds or anything else. On XXXX XXXX, 2017 I receive an email from PayPal saying that I owe them for a transaction in the amount of {$250.00} for a transaction with XXXX that took place after the account was restricted/limited. Saying that the transaction was declined by the XXXX XXXX XXXX and that PayPal covered the cost to the seller. But, I dont see how that is possible when the XXXX was the primary funding source of the account. On XXXX XXXX, 2017 I received another email from XXXX with ( PayPals Office Executive Escalations ) saying that the XXXX XXXX contacted them and told them they have a memo out for fraud alert and not to link any XXXX XXXX XXXX to PayPal accounts. PayPal says the XXXX told them the accounts do not exist. If that were true and the accounts didnt exist how could they link to PayPal? With all of the security making up PayPals system no safeguards preventing the linking of banks to their accounts that dont exist? Then the email says I could have access to the account after paying the alleged debt. But mention nothing of the three ( 3 ) {$1000.00} XXXX XXXX Dollar withdrawals I made from the XXXX. The Primary funding source of the account. QUESTION : How can the XXXX XXXX decline a payment order made to an account that doesnt exist???? It is painfully obvious that PayPal has not been totally forthcoming with me about the events that have taken place. All one has to do is review the XXXX XXXX XXXX Operating Circular # XXXX XXXX XXXX ( XXXX ) and its references to Article XXXX ( UCC ) to see the true nature of ACH debit/credit transactions explained in the Uniform Commercial Code, ( XXXX XXXX XXXX XXXX XXXX ) and the Federal Reserves Operating Circular # XXXX to see that PayPal is partaking in Financial Fraud which equal to Economic Genocide. | ||||||
| 03/31/2022 | Yes |
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| Summary : Venmo permanently deactivated my account with {XXXX} inside because they said I violated the user agreement. They refused to say what I had done wrong or provide any direction on how to fix the issue. I was never given the chance to answer questions or otherwise defend myself. They said they will hold the funds for up to 180 days, but they won't say what will happen to those funds after that. They have stated that the matter is closed. Details : I opened a Venmo account on about XX/XX/2022 as suggested by friends for a fundraiser for my daughters ' summer camp ( washing garbage cans, selling cookie dough ). By XX/XX/XXXX, I had received payments from 3 friends and 2 close relatives totaling {XXXX}. On XX/XX/XXXX, I received an email from Venmo saying my account ( and the {XXXX} ) was frozen because I had violated their user agreement. At first I thought it was a phishing email ( because I get many that are similar ), but after Venmo confirmed the email was legitimate, I sent in a photo of my drivers license, as directed, on about XX/XX/XXXX. In the meantime I received a number of emails saying I needed to verify my email address on Venmo, but when I clicked the provided link it would say " that email confirmation key is incorrect. '' I exchanged a number of emails with Team Venmo asking what I needed to do and what I had done wrong, but all they would say was to not violate the user agreement. For example, " we're unable to provide additional guidance beyond encouraging you to abide by the terms of our User Agreement. '' I also let them know the email verification link was broken, but they never addressed this. I called Venmo customer service on XX/XX/XXXX, but they said my case was in a different department and they could not help. They did say the case was under review and I would receive an email when the review was finished. On XX/XX/XXXX, I received an email saying my account has been permanently deactivated due to concerns regarding my activity, along with the following, " The funds in your account will be held for up to 180 days for loss prevention purposes '', and " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I sent an email anyway to ask why and was told " please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' I tried calling again on XX/XX/XXXX, but as soon as they saw my account they hung up. I sent an email on XX/XX/XXXX asking if they could just return the funds to those who sent them, or allow me to withdraw them. They said they were unable to release the funds and said, " I encourage you to review the " Refunds, Reversals and Chargebacks '' section of our User Agreement, which states that we may hold your funds for up to 180 days if reasonably needed to protect against the risk of liability. '' The " reasonably needed '' part is apparently an internal determination that is not subject to review. I then sent an email asking for clarification of what would happen to the funds after 180 days. They did not respond. At no point was I told how I had violated the user agreement, and and no point did they ask for further information, as a real investigation would, or allow me to appeal. Instead, decisions were made internally with no chance of outside accountability, and the punishment they levied is orders of magnitude worse than anything I can think to have done wrong. In looking at the user agreement, it says personal accounts can't be used to accept payment for goods or services from people I don't personally know. I did receive payment for goods ( cookies ) and services ( cleaning garbage cans ), but they were from people I personally know! The user agreement also states that if I receive a payment for goods and services that is later invalidated for any reason ( I assume including a Venmo determination ), I am responsible for the full amount of the payment. Does that mean Venmo will keep the funds in the end? Note that the user agreement is over 19,000 words long and is fairly subject to interpretation. | ||||||
| 06/23/2019 | Yes |
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| XXXX case was closed. However PayPal has not released my XXXX XXXX credit card, or other debit card or Email address, XXXX from this account, or all personal information, including all personal data. They did transfer monies owed, but I can not use my XXXX address, or this XXXX XXXX card, or remove these, from the account. then close the XXXX account associated with Paypal. They were given letter last week to do this. Enclosed letter to XXXX, XXXX 6 days agoDetails XXXX XXXX XXXX, Operations Counsel PayPal , IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX Phone : XXXX | Mobile : XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cc XXXX XXXX Questions about your dispute? Call us at XXXX Sincerely, XXXX XXXX XXXX XXXX Claims Assistance Center We're making progress on your dispute Dispute Number : XXXX XXXX XXXX, PayPal is holding my XXXX XXXX credit card hostage still, along with my XXXX account, XXXX. These need released in order for PayPal to make proper payments that should of been taken out of my balance. You will see XX/XX/XXXX, this was taken out of my balance. {$150.00} however was not taken from my balance, and is being disputed by XXXX XXXX, as this should of came from my PayPal balance. This is shown to of been done below. I need these items fixed, so my XXXX XXXX address can be added as address to my XXXX account that has my balance. The XXXX XXXX card is being held as ransome, and I can not delete this, or other cards associated with my XXXX account, along with my XXXX address, or even close this account to delete my credit card. I would expect a letter to me, XXXX XXXX, and the merchant with a apology, for making funds unavailable to them, when you see five days before XXXX was paid. Also to remove the XXXX account, transfer my email, and remove both cards attached to the account. Something PayPal should be responsible for, as hours of emails, phone calls, and a two hour call to XXXX, who said she was head honcho, and to make XXXX transactions as cash, not to go thru paypal, for their fees. I hope you can listen to that tape, as my time, aggravating, should be worth something. This is needed to close a dispute, that PayPal caused. Respectfully XXXX XXXX XX/XX/XX/XX/2019 PayPal Transfer Loading transaction details for PayPal Transfer - negative {$1100.00} XXXX - XXXX XXXX ( XXXX ) Payment XX/XX/2019XXXX - XXXX XXXX ( XXXX ) Payment Loading transaction details for XXXX - XXXX XXXX ( XXXX ) Payment XXXX - XXXX XXXX ( XXXX XXXX XXXX Shipment - negative {$150.00} XXXX XXXX XXXX Payment XX/XX/2019XXXX XXXX Payment Loading transaction details for XXXX XXXX Payment Split this - negative {$42.00} Groceries paypal.com XX/XX/2019XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Consumer Financial Protection Bureau Complaint No : XXXX Dear Mr. XXXX, I am writing on behalf of PayPal in response to your complaint to the Consumer Financial Protection Bureau. Your complaint is regarding a limitation on a PayPal account owned by another individual, which prevented access to the funds in the PayPal balance. You are requesting that the funds be transferred to your PayPal account. Description of Relief On XX/XX/2019, PayPal transferred {$1100.00} from another PayPal account to your PayPal account balance. Response On XX/XX/2019, you created a PayPal account under the email address XXXX ( " Account '' ) at which time you agreed to PayPal 's user agreement ( " User Agreement '' ). Due to PayPal 's strict Privacy Policy, we are only able to address account information with the account owner. As a result, we can not divulge account details to you regarding an account that is not in your name. We apologize for any inconvenience caused in respect of this matter. We have provided a full response with all details directly to the account holder. On XX/XX/2019, PayPal transferred {$1100.00} from a PayPal account under the email address XXXX to your Account balance. Therefore, PayPal considers this matter resolved. Explanation of Closure PayPal considers this matter resolved as PayPal transferred {$1100.00} from a PayPal account under the email address XXXX to your Account balance. | ||||||
| 02/28/2022 | Yes |
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| XXXX XXXX COMPLETED A PURCHASE THROUGH VENMO UNDER THEIR PURCHASE PROTECTION SERVICE. PAYMENT WAS TAKEN FROM MY XXXX XXXX ACCOUNT THAT DAY IN THE TOTAL OF {$920.00}. - SELLER SHIPS ITEM. ITEM ARRIVES ON XX/XX/XXXX. THE ITEM IS SIGNIFICANTLY NOT AS DESCRIBED. I REACH OUT TO THE SELLER- SELLER THEN STATES SHE WILL NOT ACCEPT A RETURN. - ON XX/XX/XXXX I FILE A DISPUTE WITH VENMO FOR THE PURCHASE. I SUBMIT THE DISPUTE ON THEIR WEBSITE. HOURS LATER, I RECEIVE NO CORRESPONDENCE IN REGARDS TO MY DISPUTE- IE : NO CONFIRMATION EMAIL REGARDING THE CASE. I THEN CONTACT MY XXXX XXXX. I FILE THE SAME EXACT DISPUTE WITH THEM, SAME INFORMATION, SAME PHOTOS OF THE DAMAGED ITEMS, ALL THE SAME. -I CALL VENMO LATER THAT AFTERNOON BEFORE THEY CLOSE AND SPEAK WITH SOMEONE. HE COULDN'T FIND THE DISPUTE I FILED. THEN SAID HE DID FIND IT. I LET HIM KNOW I FILED WITH MY CREDIT CARD AS WELL. HE SAID IT TAKES 30 DAYS FOR VENMO DISPUTES. - MY XXXX XXXX CONTACTED ME THE SAME DAY VIA EMAIL, STATING THEY REVIEWED THE DISPUTE AND WOULD BE RETRIEVING THE FUNDS FROM VENMO FOR THE DAMAGED ITEM. - ON XX/XX/XXXX I EMAIL VENMO AND LET THEM KNOW MY CREDIT CARD HAS HANDLED IT. AND PER VENMO RULES ON THEIR WEBSITE, IF A CREDIT CARD HANDLES THE ISSUE - VENMO WILL CLOSE THE DISPUTE WITHIN. - I RECEIVE NO CONTACT FROM VENMO FOR NEARLY TWO WEEKS. -ON XX/XX/XXXX I RECEIVE AN EMAIL FROM VENMO STATING THEY DENIED MY DISPUTE DUE TO AN " EXTERNAL CASE RECEIVED '' .IE : XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS BETWEEN XXXX XXXX XXXX I TRY TO USE MY VENMO ACCOUNT AND IT IS FROZE. NO EXPLANATION AS TO WHY. -CONTACT VENMO ON XXXX XXXX SPEAK WITH A WOMAN NAMED XXXX, VERY HELPFUL, EXPLAIN IN DETAIL THE ISSUE. SHE STATES SHE IS TAKING THE INFO I AM GIVING HER AND ADDING IT TO THE DISPUTE AND REOPENING THE DISPUTE AND ESCALATING IT. SHE SAYS SHE CAN SEE ALL THE PHOTOS I SENT IN OF THE DAMAGED ITEM, AND I EXPLAIN IN GREAT DETAIL HOW MISREPRESENTED THE ITEM WAS DURING THE PURCHASE. XXXX SAYS I WILL RECEIVE AN EMAIL WITHIN XXXX BUSINESS DAYS. IT IS NOW XX/XX/XXXX, I HAVE RECEIVED XXXX EMAILS REGARDING THE MATTER. I HAVE CONTINUED TO EMAIL XXXX MULTIPLE TIMES AND AGAIN, THEY REFUSE TO RESPOND. I CALL AGAIN TODAY, AND AGAIN, I AM TOLD DISPUTES DOES NOT HAVE A NUMBER TO CONTACT THEM THROUGH, CONTACT IS ONLY THROUGH EMAIL. AGAIN, TELL ME THEY HAVE ESCALATED THE ISSUE, AND I WILL RECEIVE AN EMAIL IN XXXX BUSINESS DAYS. THEY CANT KEEP ANY INFORMATION IN ORDER, I DON'T THINK THEY HAVE A CLUE WHAT THEY ARE DOING, THEY TOLD ME MY CREDIT CARD NEVER PAID FOR THE ITEM. WHICH IS IMPOSSIBLE, THE ITEM WOULD NOT HAVE BEEN SHIPPED IF THE SELLER DIDN'T RECEIVE HER MONEY. SO YES, MY CARD DID PAY AND WAS CHARGED. THIS COMPANY IS A COMPLETE JOKE. MY CREDIT CARD APPROVED THE DISPUTE BASED ON THE SAME INFORMATION THAT WAS SENT TO VENMO, BUT VENMO SEEMS TO THINK I OWE THEM THE MONEY THAT XXXX XXXX PULLED BACK FROM THEM. THAT'S NOT HOW PURCHASE PROTECTION WORKS. IN REGARDS TO THE PURCHASE- THE SELLER IS AWARE OF HOW THESE TRANSACTIONS ARE MADE, AS I HAVE ATTACHED A PICTURE OF ONE OF HER LISTINGS FROM 2020 WHERE SHE GIVES DETAILS, THEREFORE SHE KNOWS WHAT SHE IS TO DISCLOSE IN THESE SALES. XXXX WAS ASKED IF THERE WAS " LET OUT '' IN THE DRESS, WHICH AT THAT TIME WOULD BE WHEN SHE WOULD TELL THERE IS OR IS NOT LET OUT ALONG WITH INFORMATION THAT SHE HAD THE DRESS ALTERED AND LET OUT. SHE NEVER GAVE INFORMATION. SHE STATED SHE WAS THE SECOND OWNER OF THE DRESS- WHICH IS FALSE, AS SHE IS THE THIRD OWNER OF THE DRESS, AT BEST. PROOF IS PROVIDED WITH DATES TO SHOW SHE IS ABSOLUTELY NOT THE SECOND OWNER, THEREFORE THE SALE WAS BASED ON LIES. SHE ALSO WRAPPED THIS DRESS IN HER USED PERSONAL BATH TOWELS, WHICH HAD HOLES IN THEM. AND SHIPPED IT IN A BROKEN XXXX XXXX. XXXX XXXX WAS GIVEN XXXX $ FOR SHIPPING, THE SHIPPING TOTAL WAS {$35.00} AND SHE COULD HAVE EASILY PURCHASED BETTER PACKING TO SHIP THE ITEM IN. THE USED BATH TOWELS ALONE IS JUST ENOUGH FOR THIS TO BE DISPUTED. THE CONDITION OF THE DRESS, AS YOU CAN SEE BY THE PHOTOS ATTACHED, IS ABSOLUTELY NOT SHOWING ANY SIGNS OF THE DRESS IN THE HORRIBLE CONDITION IT ARRIVED TO ME IN. SHE KNEW SHE WAS TAKING ADVANTAGE OF SOMEONE. | ||||||
| 11/15/2021 | Yes |
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| Today Monday, XX/XX/XXXX, @ approx XXXX XXXX We received a call from a Tia from PayPal Executive Escalation whom we have been communicating with regarding the fraudulent application submitted without our knowledge or consent by PayPal. We told XXXX that the call is being recorded and she said that is fine and she apologized for ending our last call after we told her the call was being recorded. She stated that she had not done this in a long time and did not know the procedures. I began to explain to XXXX that we received an email recently from PayPal requesting our customer 's date of birth. I explained that this is a security risk and we are not authorized to disclose our customer 's date of birth as this data was not used to make the purchase. I explained that PayPal can cancel the Transaction as we will not be disclosing our customer 's date of birth as we are not authorized to do so and XXXX stated in a very condescending and arrogant tone as if like a gangster, " We wont cancel the transaction, someone is going to have to give up that information or the transaction will remain '' as if to try to intimidate and conspire to incriminate us or even our customer. XXXX became belligerent, arrogant, and condescending and she is a XXXX employee. I am a XXXX and she displayed complete disregard for this fact. I ended the call and explained that I will be filing another complaint with the CFPB because XXXX also stated and admitted that she realized that after we received the 5 emails indicating that our application for Advanced Credit Card processing was declined was a COMPUTER GLITCH. We NEVER submitted an application for this product and we discovered d that Paypal had been previously found guilty and fined for doing this exact thing in XXXX by the CFPB. We believe this is happening again and has happened to us. WE NEVER SUBMITTED ANY APPLICATION FOR THESE PRODUCTS. SOMEONE AT PAYPAL, FRAUDULENT DID AFTER 1 WEEK PRIOR FLAGGING OUR ACCOUNT AND REQUESTING OUR CORPORATE DOCUMENTS WHICH IS REQUIRED FOR CREDIT APPLICATIONS! After we compiled and submitted our corporate documents, began receiving emails for declined credit applications that we did not submit one week later. Now XXXX and her XXXX co-conspirators at PayPal are trying to clean up isle 1 for the mess they made. We are XXXX XXXX and XXXX and we know the financial procedure, compliance, risk management, and fraud prevention. We spotted this fraud through the 5 declined application emails, brought it to PayPals attention, got mistreated by XXXX, XXXX, and XXXX. XXXX even sent us an email stating with confidence that WE in fact submitted these applications which is fasle. Right receiving this email from XXXX, we received yet another and the 5th declined application email.XXXX calls us this morning and interrupts our XXXX, insulted and interrupted me while I was speaking on the phone, and tried to downplay the computer glitch that is clearly a result of gross negligence on the part of PayPal. We believe several violations of Federal & State laws have been violated here and we would like to have all of these complaints submitted to the Department of Justice for investigation. We will fully cooperate with all agencies in the investigation and prosecution of those at PayPal involved. Again, PayPal was exposed and fined for this exact same behavior in XXXX and we believed we are the victims of these nefarious acts here in XXXX. We have prepared affidavits to support all claims and crimes committed in cluding a sworn Federal Criminal Complaint naming PayPal, its CEO, XXXX, XXXX and XXXX, and whoever submitted an application for credit without our knowledge and consent one week after manipulating their system and our ACCOUNT to obtain our corporate document, EIN confirmation letter, and personal documents. We are also preparing an identity theft affidavit as we believe our information has been compromised by this situation. We would also like to report that PayPal should NOT be asking for our CUSTOMER 's date of birth as this is a red flag and the primary data point used by identity thieves. Reference XXXX fraudulent activity by PayPal XXXX XXXX XXXX | ||||||
| 03/27/2020 | Yes |
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| Hi, I have been denied for my car lease that is up 2 weeks ago, I have leased with XXXX XXXX XXXX / XXXX XXXX for 19 years and this is my 6th lease. I have had tier one approval - never had to even fill a credit app out and suddenly I go to turn it in and release as always I was told by the same dealership I have gotten all my cars from I wasnt even pre approved and they were in shock. XXXX has a huge program for loyalty and so I pulled my credit reports and was in utter shock that I have a hard inquiry from you. I have as you know and I have been more time then I ever have on something and I have reached out to you, I have sent emails to your exec committee, I got stalked out of nowhere from some firm that you know of and if you have all of this documented you know exactly what took place and for me to honestly take one more second and write some long email Im instead attaching documentation and you do your job. That company as I told you called me and said they are a boutique firm that partners with you, Paypal and I owe an obscene amount of money and I cant tell you how beyond in shock I was when you owe me over 3K. I told them I do not have a Paypal card. I dont and never have. I have a pay pal account that I havent logged in to since probably 2013 that you use if you buy something online or sell and I couldnt even tell you where to log in or how as I said its a little pay pal account the world has. I told this place I do not have a credit card. I HAD A PREPAID card that I closed in XXXX over a year ago, have the card to this day closed it with you by logging in and said its a fraudulent account because of all of this. Its a prepaid card! You dont do credit checks, you dont do hard or soft inquiries and you told me that, but regardless you dont. I have never opened or owned a credit card from you in my life. You know this, you start having some company contact me and never contact me first? Funny yet sad is that I contacted you first. I myself a normal / lawful person made contact with you when you Are trying to collect something that doesnt exist? And whats worse for you and not me is that not one person replied. You look at my emails ... these are barely 60 % of all documentation I have. Most companies who have real collections want a person to answer the phone and / or call back and people dont return collector calls or rarely yet I called and called and finally decided when your 800 number said they have no clue, then I use your internal email and they dont speak proper English which is what I speak on the phone and make any sense so I looked up people that run your company who should have called me and would assume speak intelligently and I can understand and a few are based in Arizona like 15 minutes away. I said I will come and meet you and bring all of anything I have who wouldnt want that? That company said they have no details other then a credit card I owed money on from years ago. I said for the millionth time I dont have one and I have a pre paid card ... I asked for the manager they literally argues with me ( this random partner ) and repeated themselves and finally I said I will record this call and they got him and he and I spoke for over an hour. I said mail me what you have and he said he didnt have anything and would have to get from you. I said fine do what you do, I have nothing to hide and Im trying to get to the bottom. I start freaking out thinking someone opened a card and charged stuff I couldnt believe what was sent to me XXXX it was some ledger looking thing that had nothing on it. In the mail / I have it and I called you and emailed you and you 100 % said to me you apologize that company should have never called. I closed that horrible pre paid card reported the selection as Fraud, and you sent me three cards with emails weekly saying to activate them -I have them. Something is wrong with your company. I left a messsgd for this XXXX one last time and never heard back but his vmails state he will try again and are blocked so I dont know its a call. Blocked dont come as a ring. Call me back? Doesnt leave a number? You read the attachments and all of this. XXXX | ||||||
| 05/08/2019 | Yes |
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| I am writing to inform about PayPals unprincipled business practices. On XX/XX/2019 I sold a {$400.00} gift card for the amount of {$380.00} on XXXX. I received an email from both XXXX and PayPal, informing me about the sale. The buyer subsequently wrote asking for the gift card in order to use online. At this time, I confirmed that the username messaging me through the XXXX messaging system matched the user name listed on the PayPal transaction and email. ( Please see attachment labeled username ). As you can see, the username I wrote to on XXXX, matches the username PayPal gave me. At this time the person via XXXX confirmed receipt ; they left positive feedback confirming that they spent the gift card ( please see attachment labeled positive eXXXX feedback ). As you can see there is no question that the username PayPal provided me used the gift card. On XX/XX/2019 I received an email from PayPal stating that the transaction for my gift card was unauthorized, siting that there was suspicious activity on the buyers PayPal account. PayPal then took the money out of my account leaving me with a negative balance of {$380.00}. Outraged, I called PayPal asking what they problem was. They told me that the buyer did not authorize the charge and because it was a nontangible good, ( since I messaged the person the gift card number via XXXX secure messaging system ) I am not protected under seller protection, and I am therefore responsible for the unauthorized transaction. How am I, the XXXX seller responsible for PayPals poor security? I am not asking to be protected under seller protection, I am asking PayPal to be held responsible for their security mistake. This does not make any sense that I would be held responsible for a mistake made my PayPal. It is PayPals responsibility to ensure accounts are secured, and if they dont, they need to be held responsible for their mistakes. The innocent XXXX seller should not have to eat the money, as I have nothing to do with their security practices, or in this case, lack thereof. When I was on the phone with the PayPal representative, I asked her what suspicious activity they found. She told me that the purchase was either made in a different state other than the account holders address, or an unrecognized device was used ( XXXX instead of XXXX or vice a versa ). This brings me to personal stories exemplifying PayPals poor security. I recently made a trip to XXXX XXXX XXXX ( I live in Maryland ). I attempted to purchase a subway card for just {$10.00} using my XXXX XXXX debit card. My card was declined, and minutes later ( unlike PayPal ) I received a call from XXXX XXXX asking if this was an authorized transaction. If this purchase was occurring in a different state, why was the buyers transaction ( for much more money ) declined until they could either say yes, the charge was from them, or no the charge was not authorized. It is PayPals responsibility to flag suspicious purchases ( quickly, not take weeks, especially ones as large as mine ) and require customers to secure their accounts. Second, I have a credit card with XXXX. I always login to XXXX via my XXXX. I marked my XXXX as an authorized device. Occasionally I will use my desktop to login. Because my desktop is not an authorized device, XXXX sends me a text message to the phone number I have on file, with a security code to allow me to login on the unrecognized device. I wanted to test to see what would happened if my brother, who lives in a different state than I do, logged into my PayPal using his XXXX phone. I gave him my username and password and asked him to log in and try to make a purchase. He had no problem not only logging in, but also was able to make a purchase from another state. As you can see PayPal has terrible security, and fails to protect customers account. I should not, under any circumstances, be held responsible for someone cracking into this users PayPal account. It is PayPals liability to ensure that transactions are being made by the account holder, and if they do not, as in my case, they should be out the money, not the seller who has no ability to improve PayPals security. | ||||||
| 04/27/2020 | Yes |
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| Paypal fails to properly police the retailers that use its service as a pay provider. Complaints are not handled promptly during possible fraud. Paypal fails to properly police the retailers that use its service as a pay provider. Complaints are not handled promptly during possible fraud. On XXXX I made an online purchase from a retailer, XXXX using XXXX purporting to sell reborn dolls. I only found out after paypal sent payment to XXXX that the seller called XXXX XXXX XXXX XXXX was not from alaska, usa making reborn dolls and was not named XXXX XXXX XXXX XXXX XXXX XXXX, but actually used the name XXXX which is also a false businessness and after researching this business they are a fradulent business out of XXXX, XXXX which also runs under the name of XXXX XXXX XXXX XXXX XXXX Once I realized I had been scammed, I immediately tried to call the numbers, one of 5 they offer on 5 different sites with different names then I disputed the charge with paypal which was {$110.00} total which paypal already sent to the fradulent seller with the paypal email of XXXX @ XXXX. Paypal after being told the seller was fradulent refused to refund my money even though only a few hours had passed and the fradulent seller 's emails all bounce back and all their numbers are fradulent! All phone numbers for the company are registered VOIP numbers in the US and not to their location in XXXX. I also did some online searches and found the business to be fraudulent as well as numerous XXXX complaints. Most complaints suggested they also used Paypal for payment and that all had issues with Paypal making refund. I tried to initiate a compliant thru Paypal hours after the purchase through resolution center to avoid loss and harm and they refused to refund me. Paypal has been aware that this retailer has been using their service improperly and perhaps fraudulently for six months or longer. They had not shut-down the seller nor expedited the complaints and ask for refund. Had I been able to speak with someone at Paypal, and expedite the claim, then perhaps I could have received a refund. Unfortunately Paypal makes any complaint cumbersome to initiate and immediately refused my refund. Paypal receives remuneration from the seller and its rules favor the seller even when clearly consistent complaints and possible fraud should have been detected. Its impossible to chat, contact, add supporting documents, or get additional assistance thru email from Paypal. Had Paypal took the responsibility to review the business information, and done further due diligence on this fradulent seller and their fradulent website ( s ), others would not have been taken advantage and neither would I. Paypal has an obligation to protect a consumer and not immediately refuse to refund money when they knew the seller was fradulent when they are given proof by a person! Account ID : XXXX - Transaction ID I tried to call paypal and was hung up on four times, contacted them by email to XXXX and each time I get an automated response, tried to contact them on XXXX to let them know I was scammed, my money taken out of my paypal plus account and I never recieved the items I thought I was purchasing and their so called customer service people tell you to submit a document to them and then they completely ignore you when you do. There is no way to get from this company with online ecommerce fraud and online website fraud! Then when you make a negative yet honest post to their XXXX page trying to seek help, they just keep deleting it ( they did this 15 times and I have proof ) which is in direct violation of the consumer protection law. Congress unanimously passed the Consumer Review Fairness Act to protect people 's ability to share in any forum their honest opinions about a business ' products, services, or conduct. Some companies had been using contract provisions - including their online terms and conditions - to threaten to sue consumers or penalize them financially for posting negative reviews or complaints. The new law makes that illegal! Any company that blocks an honest review no matter how negative on any forum is in violation of the law. | ||||||
| 10/12/2023 | Yes |
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| Last Saturday, XX/XX/2023, I attempted to use Venmo to transfer {$2700.00} to an account I had previously transferred {$1000.00}. I kept getting an error message, " Payment declined. Try again later. '' I then tried smaller amounts but continued to get that error message. I tried again on Sunday and experienced the same problem. I had only used Venmo twice before, and the last time I used it was over one year ago, so I thought I had to transfer money to my Venmo account from my financial account tied to Venmo in order for the transfer to occur. I did a bank transfer for the amount and knew immediately that was the wrong course of action to take. I received an email from Venmo confirming the transaction and stating that, " If you did not make this request, or have any questions, please contact XXXX or call ( XXXX ) XXXX immediately. '' No where in the email did it state that a bank transfer could not be undone, nor was there any indication at the time I did the bank transfer that it could not be undone. I called Venmo support and spoke with a representative. The representative assured me that all I had to do to stop the transfer from happening was to remove the information for my financial account from my Venmo. I did this immediately ; I believe while the representative was still on the phone. Based on the assurances of this representative, I took no further action to prevent the bank transfer from going through. Had I known that Venmo could not cancel the transfer, I would have called my financial institution and told them not to authorize it. Yesterday, Wednesday, XX/XX/2023 at approximately XXXX p.m., I went to my financial institution to get a cashier 's check to send the money I needed to send. I was told the money was no longer in my account because Venmo had transferred the money earlier that day. I do not know how Venmo was able to transfer the money the day after I removed my account information from its records. After I left my financial institution, I called Venmo repeatedly ( I believe approximately 5 times ) in order to get the money returned because I obviously needed to send the money quickly last weekend ; otherwise, I would have not used Venmo in the first place. The representatives stated they were unable to help me, and I just had to wait for the money to reach my Venmo account on Monday, XX/XX/2023. I have a number of issues with this transaction : 1 ) The initial error message I received from Venmo was vague as to the cause of the problem. It should have been more clear, and I should have been allowed to send the smaller amount once I realized the initial amount would not go through, but Venmo apparently locked my account at that point. 2 ) Before the bank transfer went through, there should have been some notification that it could not be undone ( assuming that is truly the case ). Also, before the bank transfer is allowed to go through, Venmo should be required to notify the user of when the funds will reach their Venmo account in case the processing time is beyond the time in which they require the money. 3 ) I am greatly concerned that Venmo still had access to my financial institution information after I had removed it from their system before they completed the bank transfer the next day. From my experience working in software development, this tells me that they are not completing deleting the information from their system which could subject users who think their account information has been removed from Venmo to a data breach. 4 ) It is illegal to withhold transferred money from its owner beyond the time necessary to receive it from their account. In this case, by the time Venmo has made the money available in my account, they will have had the money in their possession for 6 days. During this time period, I am unable to access it. There is no reason for Venmo to keep my money for such a lengthy period of time yet deny me access to it. 5 ) This entire episode is due to Venmo 's malfeasance yet they did nothing to remedy it. I believe they are in need of additional oversight to make sure they are handling their customers ' money properly. | ||||||
| 02/17/2022 | Yes |
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| I have an account in PayPal. On XX/XX/XXXX I decided to pay with my PayPal account, for service ( airplane tickets ) provided an online travel agency, the amount of XXXX USD ( XXXX EUR ). The transaction is registered in PayPal under number XXXX. To complete the transaction PayPal used my available balance ( XXXX USD ) and the difference ( XXXX USD ) was withdrawn from a credit card ( ending in XXXX ), which I have not authorized PayPal to use. On XX/XX/XXXX, I have added the card ( ending in XXXX ) that was valid thru XX/XX/XXXX to my PayPal account. When the card validity expired, I have not taken any actions to renew the details of the card in PayPal, and to grant authorization for using the new card that is valid thru XX/XX/XXXX. Anyway, the renewed card was used by PayPal in transaction XXXX. According to the PayPal 's User Agreement effective from XX/XX/XXXX ( attached in the present complaint, also available on the following URL XXXX XXXX XXXX ), at the time the old card had expired, the following terms applied to linking and unlinking credit cards to a PayPal account XXXX ********* Link or Unlink a Payment Method You can link or unlink a credit card, debit card or a bank account to your PayPal account as a payment method. Please keep your payment method information current ( i.e. credit card number and expiration date ). If this information changes, we may update it using information and third party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your payment method from your PayPal account. If we update your payment method, we will keep any preference setting attached to such payment method. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. ********* According to this agreement, PayPal may only update the credit card number and the expiration date. It is not stated that PayPal may update the card security code ( CSC ) of the card, which is necessary for verification and making online transactions with the respective card. Also according to this agreement, I, as an user, may choose to confirm the ( updated ) card, so that PayPal can verify that the card is valid. I have never confirmed the updated card details with PayPal. Furthermore, on XX/XX/XXXX I received an email from PayPal ( attached in the present complaint ) with the following information : ********* We noticed that your card ending in XXXX is about to expire. Please update the expiry date and card security code ( XXXX ) as soon as possible so that you can continue using it with your PayPal account. Be sure to activate your new card with your bank first. ********* As seen from the email, I was requested to update the XXXX in order to continue using the card with my PayPal account. Not following the instructions from the email should have made the usage of the card with my PayPal account discontinued. As mentioned above, I have never taken any actions in order to confirm or verify the renewed card that is valid thru XX/XX/XXXX. I consider the usage of the renewed card ending in XXXX ( valid thru XX/XX/XXXX ), in transaction XXXX, as unauthorized usage by PayPal. As the available balance on my PayPal account was not sufficient to cover the transaction amount in full, PayPal should have either declined the transaction, or prompted me to provide and authorize a payment method to be charged for the difference ( XXXX USD ). PayPal should not have charged the card ( ending in XXXX ) without my authorization under any conditions. I reached PayPal before the transaction got confirmed, but they told me that they can not reverse the transaction. On XX/XX/XXXX, I have contacted the issuing bank with request to reverse the transaction. I have tried several times to submit a complaint for the unauthorized usage of my card by using the form in their site, but after completing all the steps, I have not received any confirmation that the submission was successful. I also wrote them an email to address XXXX, but I received an automatic reply that my email will not be answered. | ||||||
| 08/09/2022 | Yes |
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| On about XX/XX/XXXX I used PayPaXXXX and XXXX to complete a transaction. I attempted to purchase a small generator for {$99.00} plus tax, shipping and perhaps other small fees for a total of {$110.00}. I hadn't heard of the retailer, but I thought little of it. PayPal and XXXX guarantees against fraud and there are many small XXXX venders which are reputable. The product was a good deal, but not unbelievable. XXXX XXXX had recently discontinued a small generator they branded the " XXXX '' which retailed on sale for {$99.00}. I was happy to have found a comparable product. However, when the retailer failed to confirm the transaction via email and didn't respond to my inquires, it was almost immediately clear I was scammed. I reached out to PayPal. The dispute I opened was summarily closed. They reasoned, I hadn't allowed time for the package to arrive - apparently they received a tracking number. When I did not receive any package, I asked PayPal to reconsider - however they claimed the parcel was delivered because the USPS tracking number indicated as much. I examined my XXXX camera footage from the day at issue and reached out to the post office. The camera did not show any package arriving on the day claimed, however I was not able to get anyone from the post office to provide a real response. PayPal merely refused to consider any evidence I had that the parcel was not delivered. Moreover, they failed to consider that the shipping time was objectively unreasonable. The timeline provided showed what should have been a large, heavy package ( 50 pounds at least ) traveling half the distance around the earth in mere days. At the time small packages were stranded for weeks at air cargo warehouses because the system was overwhelmed. It was just silly to think that such a package could be moved so quickly, especially without the retailer charging a significant premium. However this all fell on deaf ears. After researching the problem, I found a discussion on XXXX that outlined the scam. Apparently, a scammer merely needs to provide PayPal a tracking number of a parcel shipping to the same zip code and PayPal 's policies and procedures then consider the parcel delivered and deny the claim. That is if someone opens a dispute claiming the parcel never arrived. Alternatively, a smart consumer can sometimes scam the scammer by telling PayPal the item arrived broken or it was the wrong item - and then ship an empty box back to the scammer who isn't in a position to complain. I guess I should have done my homework before complaining ; but it certainty shouldn't come to that. Now, a year later it is happening again. This time, I tried to buy a metal filing cabinet from a small online retailer using PayPal and XXXX. The website provided an option to use PayPal to complete checkout and included a hyperlink tied to PayPal 's logo ; A common " button '' feature that PayPal provides to website developers. That the cabinet was cheaper from an online, overseas retailer made sense too as most of these inexpensive, consumer facing ferrous products are made in XXXX. This all seemed perfectly normal. I found the checkout process unusual and I was immediately unnerved when it seemed the payment went to XXXX XXXX. For the transaction to be processed in a difference currency is to be expected and that's what I thought was happening. However, from a common sense global trade perspective, for the payment to actually be received by someone in XXXX for a product likely made in XXXX seemed highly unusual. I therefore immediately searched for anything that might confirm that the order was legitimate. I received no confirmation email and did not receive any response from the retailer. At this point, it was clear I had again been scammed and I reached out to PayPal which summarily denied my claim. This transaction was for about {$69.00} ( perhaps there's some exchange fees at issue ) and was completed on about XX/XX/XXXX. I use PayPal and XXXX frequently and complain very little. That they flat-refuse to believe me, is unconscionable given their marketing claims that the protect against fraud. | ||||||
| 02/08/2021 | Yes |
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| I had a PayPal account that I set up to use to help pay for costs that my father who lived out of state might need. I connected this PayPal account to a bank account in my name. Beginning on XX/XX/XXXX, we noticed that several deductions were taken out of my bank account and paid to a company called XXXX XXXX XXXX. I did not order anything from XXXX XXXX XXXX. They took out money on XXXX XXXX and then when they drained that account, they transferred money from another of our accounts into the account that they hacked. We called the bank and reported the fraudulent activity and they credited us for the money taken out and for the overdrawal fees they charged. The bank then reported 4 of the 6 transfers of money to PayPal. The bank denied paying to XXXX XXXX XXXX XXXX withdrawals they made in the amounts of {$790.00} and {$50.00}, so they did not file any complaints with PayPal for these amounts, because they did not pay anything from our account on those amounts totaling {$840.00}. I did not monitor the PayPal account that I set up for my father because it hadn't been used by me or my father and I didn't realize at first that this was the PayPal account that XXXX used to access my bank account. We received a collection letter from XXXX dated XX/XX/XXXX stating that PayPal had sent me to collections for the amount of {$840.00} because PayPal advanced this amount to XXXX in anticipation of the bank paying that amount from my account. We tried to contact PayPal by phone, but there is no phone number for customer care questions. We were told by the phone recording to use the chat feature on the PayPal website. I started a chat session which took several days to conclude, where I was told initially that I was out of luck and that I should talk to the bank - then that there was nothing PayPal could do because the bank didn't dispute it, etc., etc. Finally when I threatened legal action, another chat person said that they would look over my case as we had also filed a dispute on the issue with PayPal and that we would get the charge of {$840.00} taken off our PayPal account. Eventually, they did credit my account for the {$840.00} and I tried to close the account last week after my account showed a {$0.00} balance. I did also contact ACI and gave them this story and they said they would not pursue the collection and would return the file to the fraud department at PayPal and that I would not have a negative impact on my credit report as a result. When I tried to close my PayPal account, it would not let me and told me to contact customer service, which started the whole multi-day chat session thing again. I was told that I couldn't close my account without contacting PayPal XXXX to close my account there. That was a nearly impossible feat as well, but after several days of trying, I did talk with someone at PayPal XXXX who told me that I don't have any record of having a credit account with them. I returned to the chat and relayed this to the agent, who then told me that they would close my account as soon as a dispute on file is closed. I don't know what dispute the agent is referring to, and I was told that the chat session would not be closed until I had received word that my account had been closed - then the agent closed the chat session. I am filing this complaint as a result of the news article I read about the CFPB looking into problems similar to mine with Venmo. At this point, PayPal will not close my account and will not give me an accurate or truthful explanation for why they haven't closed it. I do not want to leave myself open to any more fraudulent transactions on my PayPal account and I do not want to have to deal with someone in a foreign country via a multi-day chat session to try to resolve problems related to my PayPal account. I hope that you will be able to help me to get my account closed and that CFPB will pursue actions against PayPal for their extremely poor account security which allowed XXXX XXXX XXXX to access my bank account and move money around between accounts at my bank - not to mention the nonexistant real time, one on one customer service. | ||||||
| 03/08/2023 | Yes |
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| PayPal ( PP ) -ignores my chosen preferred pymt methodXXXX. Chooses their own methods w/out telling me/allowing me option to confirm=approve/deny. PP has charged my bank acct W {$0.00} bal= NSF fees, time/troubles. XXXX chosen & set as preferred pymt method ; PP ignored. PP recently incorrectly charged my credit line ; XXXX ignored. PP refusing to remove XXXX. PREVIOUS to approved XXXX, I deleted XXXX from my PP acct & demanded many times for PP do the same ; they have refused. They made false statements that card is same as XXXX ; its not= or charges would be going thru all ok to XXXX. Last purchase, PP incorrectly applied to credit line. That order had many items that I had to cancel & reorder, entering XXXX manually=I lost 1 % cashback & much time. Currently Im suffering negative effects from rent pymt tried making on 3rd, due 1st ; pymt Ive repeatedly made to son- same last name- in PP for a long time now, in addition to numerous other transactions between us. PPs decision was to deny pymt the first few attempts, claiming a security risk situation. Eventually allowed the pymt but failed to inform me it would be as a check ; never allowed me option to approve/deny. Check still being processed= very late= troubles for both me & son ; situation I could have just gone to bank on 3rd & got cash for son, if I had known what PP decided to do on their own beforehand! PP sent me reply : PP says they base the selection of final PP chosen funding source mostly on a predictive model based program called smart hierarchy where the pymt funding source defaults to one that is based on previous funding option behavior ; therefore PP says they can't provide a customer with knowledge of a definitive final pymt method. VERY WRONG of PayPal to be SO ARROGANT about MY paypal acct, pymts & money. Where my purchases are charged to should be ONLY MY choice, not PayPals decision or ability to change w/out notifying me first & receiving my approval or denial! How can such a huge " business entity '' be so customer unfriendly? PayPal is one of the worst ever companies that provide any form of intelligent informed or easily accessed customer service! Their computerized phone system makes it pretty much impossible to get anyone to help. The customer service employees reply with answers that are pretty much as inaccurate as the computerized phone and online help assistant. I have fought unsuccessfully with PayPal for about a month and still my problems were never fixed, never correctly or intelligently addressed, always blamed to be something other than PayPals glitch, which it is ; Paypal ignored my preferred payment choices and choose their own without informing me or allowing me to approve or deny. They have cost me endless amount of time, anger, stress and financial loses in various transactions. Without my permission they have sent a charge to my {$0.00} balance bank account. I have a late rent payment out there floating around with extra late fees now because they did not allow a usual and often long time performed transfer of funds this month saying what I was requesting was a security risk which I fought unsuccessfully. I was to my son with the same last name even. They ended up doing the pymt as a check after a few denials but never told me they were doing a check, never gave me the option to cancel and deny and if they did I could have gotten the cash and paid it right away! They won't remove a very old mastercard from my acct. They won't link & allow me to use a new mastercard which I've set as my preferred pymt method. They ignore it an choose on their own without notification a different way to charge my purchases. I'm losing 1 % cashback due to their errors & I can't get it fixed with them. Their wallet and my wallet are two different things ; they should be the same. I say my issues are A-B-C : they ignore those issues and give me answers D-E-F! They are awful! Use other payment sources! Venmo or XXXX? NOT PAYPAL! I HAVE BEEN FIGHTING UNSUCCESSFULLY WITH PAYPAL FOR ABOUT A MONTH NONSTOP AND I AM TIRED OF FIGHTING THEM AND GETTING NO WHERE WITH NO RESULTS OR INTELLIGENT HELP | ||||||
| 05/26/2020 | Yes |
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| Fully detailing it here would be impossible As they actively purposely REFUSE to provide me with copies of her correspondence and discussions I have been screenshotting and placing everything here : XXXX XXXX XXXX A short summary to the best of my ability ; somehow XXXX XXXX transactions appeared on my account that XXXX has no record of. The company PayPal is unable to trace the amount, failed to offer debt verification or provided whenever demanded within a reasonable time, they can not give me the date transaction numbers and amounts of the original transaction. At least one that I have put four dispute has shown up is not even existing even though I clicked on it in my account, another does not qualify for dispute resolution because apparently having some random thing and not filed as the right type of transaction to the wrong place that they can't find with the seller does not qualify as a dispute reason. from what I can tell somehow the tips on multiple XXXX XXXX transactions which I up until recently believe were legitimate transactions. ( I now fully doubt This and don't believe that they are legitimate transactions ) were processed is " automatic payments '' i.e. recurring monthly payments even though they're clearly XXXX XXXX transactions single time. This caused them to go to the automatic payment method of a MasterCard I had on file instead of the preferred payment method of PayPal credit. These then proceeded to bounce around for at least somewhere close to 2 months of being rejected by a card that's maxed out and on coronavirus relief with all that stuff, and they started running them in a batch on my bank account as an ACH/EFT. Noticing this I challenged it because I had not made any rent recent transactions, told my bank did not honor them as they are not me etc. total I owe at least {$660.00} and returned check fees and overdraft fees for transactions that we're attempted many after they were told to cease and desist. Ammounts have finally settled in my cash account for negative {$180.00} total. They refused to provide me with the information on those transactions and when I click details, I am provided with no details of those transactions. I have spent over 15 days, I was sent home from work one day. And have over 40 hours dedicated to trying to figure out what happened and the only possible thing is that I have not completely destroyed which is the logic of that's not how Banks work, that's not how the legal definition of an automatic payment works etc is related to a billing agreement. they said I would have to check with the original merchant I have contacted ubereats and they have not provided me with the copy of that billing agreement it also does not make sense because when I provide them with exact screenshots of the transactions they have them know we're in their records. PayPal ignores this. in fact they ignore every attempt at anything with their entire thing just being contact someone else not us. Get no one else even has a record of these transactions other than my bank who shot them back. Considering the times the pandemic bills being turned off late fees they've literally already cost me more than what I " owe them ''. While frequently just closing customer support on me. they initiated unknown transactions that they can not trace the history of they process them in properly when they bounced off the payment method that was not the preferred payment method despite their agreements they will inform me so that I have a chance to make sure it goes to an appropriate place they just randomly went through three or four different other places for months before attempting to draft my account something like 17 times. Yet no one in a period of over 15 days has provided transaction details, or any type of debt verification. I haven't got my paycheck from 2 weeks ago because they can't even provide me with enough information for me to give it to the bank for them to turn over the overdraft fees because they hit me for so many that I have to get the supervisor of the supervisor of the supervisor or some XXXX like that | ||||||
| 08/25/2023 | Yes |
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| I wanted to pay a {$500.00} invoice to XXXX XXXX. He wanted me to use Venmo. I had no experience at all with Venmo. On XX/XX/XXXX XXXX XXXX sent a notice to Venmo telling them to pay XXXX {$500.00}. That is part of the Venmo process. I went to Venmo on the morning of XX/XX/XXXX, followed their instructions. I entered XXXX XXXX, physical address, his email address, his phone number, and his name. Then I was asked to enter a credit card number and then, they kept asking a lot of personal information until I was about ready to call it off. I clicked their send button ( whatever it was ). I waited a while and asked XXXX XXXX if he received it. He had not. I went back into Venmo and eventually reached a service person. We were on the phone for almost two hours. She seemed more confused than me. During the conversation she said I already had an approved account, I was surprised. I found out that Venmo had crossed over through XXXX and collected what was supposed to be confidential info and got into a different entity I own. I told her firmly that I absolutely did not want to use that entity. I did not want it involved. I told her to close the account. She said she could not close it unless I sent a photo ID and two forms of government identification. I told her it was their mistake ; I gave them no ID to open it. I did not give them any information about the other entity, but they still opened an account. Eventually, {$500.00} was sent to XXXX XXXX. I do not know which entity was used. XXXX XXXX confirmed he received it. I received no confirmation from Venmo. Around XX/XX/23 I received a XXXX XXXXXXXX XXXX credit card statement and saw two charges for {$510.00}. There were also two charges of {$20.00} to XXXX XXXX XXXX and some interest charges. I figured out what was going on when customer service said that was a charge for cash withdrawal and a little something for XXXX XXXX XXXX. I have never done a cash withdrawal using a credit card anytime in my entire life. This card has a credit limit of {$36000.00}. I asked what would happen if someone did the same thing as Venmo. Well, she explained, they have a side deal with Venmo that skips those usual precautions. After this I checked around and found that Venmo had made two transfers to XXXX XXXX. I discovered two confirmations had been sent to the email of the other entity. I received nothing to the entity I was registering. Both confirmations were sent to XXXX XXXX at the exact same address ( copy attached ), the same phone number, and the same email address. However, the first XXXX XXXX had a different physical address, phone number and email, but they sent it anyway and I do not have address, phone number or email so I could not ask for them to return the {$500.00} sent to them by Venmo. This is their mistake and should be their responsibility. The second confirmation went to the address, phone number, and email I sent to them, but they have an internal way of differentiating similar names so XXXX XXXX they identify internally as XXXX XXXX This designation has no meaning, no standing or legal significance except as an internal reference used by Venmo. I have attached copies of relevant documents to verify what I have explained here. As corrective action I suggest that Venmo refund {$510.00} over the credit card they have on file. I also suggest perhaps investigating Venmo for legal but unethical semi-fraud activity. I googled up customer complaints on Venmo and found over 200 pages of written complaints by customers whose funds are frozen, are unresponsive, or problems similar to this. It appears the only real service Venmo adds that XXXX does not is that it enables commercial transactions that can take place without IRS reporting and banks like XXXX XXXXXXXX XXXX participate because collecting enough fees adds directly to their bottom line. {$500.00} is not a lot of money to me, however, I do not like to be cheated by scams operated by billionaire owned companies like XXXX and its Venmo that are currently experiencing a squeeze on their transaction fee margins. Thanks for your assistance. | ||||||
| 08/19/2022 | Yes |
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| I saw a social media post from someone ( XXXX XXXX ) a well-respected and very prominent professional in the XXXX XXXX XXXX XXXXXXXX and also the US, with a very charming and attractive write-up on the post : " at the moment I am the happiest man in the world. I once again invested {$2.00} within 3 hours, and I had a profit of {$20.00}. Thank you XXXX XXXX '' After seeing the post, I reached out to XXXX to get to know more about the service and she introduces herself and mentioned that she is a XXXX XXXX XXXXr in bitcoin XXXX. She gives me a quick introduction to the service and presented a few packs of investments. I picked the one with a {$1.00} initial investment with a {$10.00} profit in 3 hours. So, I went back to XXXX XXXX to ask about XXXX to ensure I wasn't falling into a scam. In the beginning, everything seemed very surreal and too promising, but coming from someone very known and successful as XXXX, I believed in him ; he was categorically affirmative by saying that I could trust her and I would even thank him later when I get my funds back. Well, I proceeded with a {$1.00} initial investment, and made the transfer via Venmo. XXXX instructed me to take a screenshot of the transfer and send it back to her, in the meanwhile, she asked me to register myself on XXXX, so I could follow up on my balance on the dashboard. Three hours later approximately, I received a message on XXXX from XXXX confirming that my profit had been processed. So, I could visualize the {$10.00} profit, but it was PENDING status. When I asked XXXX why it was PENDING, she said that I had to pay an additional {$1.00} for the XXXX fee - Of course, the red flag went up. However, I went back to XXXX to confirm if this is the actual process, and once again, he said to trust her and do what she says, and I would be happy in the end. So, I transfer {$1.00} one more time via Venmo. After paying the additional mining fee, the status remains PENDING, I go back to her, and she immediately comes up with a new story. She says that my account type was XXXX and it can't hold the current balance due to the high bitcoin XXXX. And to get my account upgraded would need to make another deposit of {$3.00}. I was utterly lost and started suspecting that XXXX may be involved. XXXX once again tried to calm me down ; he said I needed to be optimistic that things would work out just fine. He also mentioned something that I felt a bid out of place - " Don't forget to share it with other people after receiving your profit back. You know there are many people out there who need this opportunity? '' So, I am running out of savings on the bank account and have only funds on my blockchain. XXXX said that I could transfer {$3.00} in bitcoin. I was very insecure about the process initially, but as I have always looked up to XXXX 's success, I could not believe that he would put himself in such a messy and dirty situation. After a long chat, XXXX convinced me that this would be the last charge and I would have my fund withdrawn soon. So, after making the {$3.00} transfer, she created another story saying that it would take up to 12 hours to complete the updating. Today in the morning, when I woke, I checked my XXXX ; there was a message from XXXX " Your account has been updated, you can place a withdraw now ''. I tried to withdraw it didn't allow it. A PENDING message was still popping up. Of course, XXXX came up with new charges. So now, I will have to pay more {$3.00} to the crypto revenue, so they can release the payment to my bank account and also skip the payment taxes. I said that was unacceptable and would not make another payment - She mentioned that without paying, I wouldn't be able to withdraw my funds. Unfortunately, it took a while to understand that I had been a victim of fraud. However, I firmly believe that XXXX is also involved. He keeps saying that he is working on it, and I need to be patient, but he also stopped replying to my messages. The negotiation was discussed via XXXX XXXX Here 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/12/2023 | Yes |
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| In XXXX, someone gained access to my PayPal account. They sent payments to my account using someone elses paypal account. Then they transferred the money from my PayPal to their own bank account that they added to my PayPal. I contacted Paypal, and they fixed all of it, except they did not remove the bank account. It happened again 11 days later. I again contacted PayPal, but this time, they refunded the payments to the other peoples accounts, but did not reverse the withdrawals. They filed my complaint incorrectly several different times, and are now telling me that I need to try to fix the situation ( that happened in its entirety on PayPal ) outside of PayPal. They have taken all incoming payments that I have received during this time as well. I have gone through their appeal process, and filed complaints both online, and by phone, and not once have I been contacted by a person that was working on my case directly. After the appeal process, I was told that I would be given a copy of the documents used to decide my case upon my request, but I did not receive those, just a copy/pasted form message that still had the generic terms in them rather than even including the proper information, and no actual documentation, and a screenshot of an XXXX transaction that had nothing to do with this situation. There were several phone calls between myself and paypal, but I do not have access to the transcripts or recordings of those calls. After about 45 days, the paypal system stopped letting me connect to a person at paypal, and instead, it would always auto connect me to a third party collection agency, limiting my ability to gather information, or work on my case. This happened 2 times in the course of 11 days. Paypal recognized the first batch of transactions on XX/XX/XXXX, that happened over the course of just a few minutes as fraud, and immediately reversed and refunded everything. However, they did not remove the bank account that was added to my paypal account, and when I tried to remove it myself from my account screen, it did not work. I spoke with someone at paypal, and they told me that the account could not be removed, as it was a part of an open investigation. A few weeks later, a different representative at paypal removed the account with no issue. The second time this happened started on XX/XX/XXXX, and concluded on XX/XX/XXXX. The money charged was in very similar amounts to the first time, and the withdrawals went to the same bank account. If you look at the time stamps, several of these transactions happened within minutes of each other. Each time that I contacted paypal, I had to speak with a different person. Many of these people did not speak great XXXX, and thus may not have had the best understanding of this complicated situation. each person that I spoke to, would take down notes, that then got passed along to someone in another department. I NEVER spoke to anyone that was the person working on my case. No one ever contacted me back for additional info, no one asked me anything, even though I repeatedly asked for that to happen. The first person that opened a case for me, opened that case to resolve all of the payments that were sent to me fraudulently, but did not open a case for any of the withdrawals. The next person opened cases for the withdrawals, but for some reason that case was closed without any info from me, and not in my favor. When I asked why, they mentioned IP addresses, but did not go into detail The next person, asked me when these transactions happened, and proceeded to pen a case for every transaction I had during that time frame, OTHER THAN THESE WITHDRAWALS The next person told me they understood what my issue was, and said they had it all set, and that I would just need to wait a few days. They denied me again. The next person told me she understood, but she then did a Trace of Funds which just verifies that the money came out of my account, and went to the bank account ending in XXXX, but totally disregarding that my complaint was that I did not authorize the transactions. | ||||||
| 04/08/2021 | Yes |
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| This new complaint is related to the improper closure of PayPal complaint XXXX. PayPal 's response was that the complaint was a duplicate of Venmo complaint XXXX and the case was closed without resolution. The fact is that we are the victims of a fraudulent activity from BOTH Venmo and PayPal and thus opened two separate complaints. Please see either of the complaints above for details of the crime committed. In addition, I have attached the written testimony detailing the crime as well as copy of the police investigation that has been opened. Venmo resolved the issue by restoring the {$900.00} that was fraudulently taken from us back into our account. The communication below from Venmo ( written via the parent company PayPal ) explains this decision. We expect the same resolution for the {$920.00} that was fraudulently taken for us via PayPal. Again, this was not a duplicate complaint. Rather, neither Venmo nor PayPal had the proper protections in place to protect their consumers from criminal activity. While we are pleased with Venmos resolution in the matter, we expect the same action of PayPal, especially since PayPal is the parent company of Venmo. XXXX ( Venmo ) XX/XX/XXXX, XXXX XXXX CDT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Consumer Financial Protection Bureau Complaint No : XXXX Dear XXXX XXXX, I am writing on behalf of PayPal in response to a complaint ( Complaint ) to the Consumer Financial Protection Bureau filed on your behalf regarding PayPals Venmo product. The Complaint is regarding a payment sent from your Venmo account that was reported to be part of a scam. The Complainant requested a refund for the payment sent. Description of Relief On XX/XX/XXXX, Venmo issued a credit in the amount of {$900.00} to your Venmo account balance. Response On XX/XX/XXXX, you created a Venmo account ( " Account '' ) at which time you agreed to Venmo 's user agreement ( " User Agreement '' ). On XX/XX/XXXX, you provided your XXXX XXXX XXXX XXXX ( Bank Account ) information to Venmo to be used as a funding source. On XX/XX/XXXX, you sent a payment in the amount of {$900.00} ( Payment ) to XXXX XXXX ( Recipient ) using your Bank Account. On that same date, you contacted Venmo support and stated you were the victim of a scam and requested a refund for the Payment. Venmo advised that they were unable to reverse the Payment and advised you to work with the Recipient for further resolution. Venmos User Agreement states, Venmo should only be used to transact with people you know and trust. Do not use Venmo to transact with people you dont know Only qualifying payments made to authorized merchants. business profiles, or using your Venmo debit card will be eligible for the Venmo purchase protection program. This program does not apply to any other transaction conducted using Venmo. On XX/XX/XXXX, Venmo received notification from your bank that our request for funds was denied as a stop payment was placed on the Payment. As a result, Venmo was obligated to return the funds to your Bank Account. In addition, your Account became indebted {$900.00} as Venmo previously paid your Recipient. Venmo sent you notice of the failed bank transfer and the outstanding amount owed to Venmo via email that same day. Upon receipt of the Complaint mentioned above, a secondary review of your Account was completed. On XX/XX/XXXX, a credit in the amount of {$900.00} was issued to your Account. Your Account currently has a {$58.00} positive balance. Explanation of Closure PayPal acted in good faith and in accordance with the User Agreement when processing your Payment. As stated above, a credit of {$900.00} was issued to your Account. As the Payment has been credited, Venmo considers this matter resolved. We offer our sincerest apologies for any difficulties you may have encountered while using our services. Please feel free to contact PayPal 's Office of Executive Escalations at XXXX if you have any questions or concerns or if we can be of further assistance. Respectfully, XXXX XXXX. Executive Escalations PayPal , Inc . | ||||||
| 06/02/2017 | Yes |
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| On Saturday, XXXX XXXX at XXXX XXXX ( XXXX , MA ) : An unauthorized transaction of {$1200.00} ( total ) was made through my Venmo account while I was sleeping. I do not know how my account was accessed at all, but the money was being wired from my checking account to what I assume is a bogus/dummy Venmo user account that I have no affiliation with. I was informed of this transaction the following morning/afternoon by a phone alert through the Venmo app itself. The first thing I did was try to assess the situation and figure out how this could have possibly happened and during that time, I sent their customer support an email regarding my situation ( XXXX XXXX XXXX ). Following that course of action, I tried calling the Venmo Customer Support, which was unavailable at that moment. Afterwards I called XXXX XXXX XXXX to inform them of this unauthorized transaction and luckily the XXXX representative that I was speaking to managed to put a stop cancellation on the ACH file that was to be processed ( for {$1200.00} ) . Later in the day ( XXXX XXXX XXXX ), I received a response from XXXX ( abbreviated for privacy purposes ) of Venmo 's Customer Support, who stated that he will be escalating my claim to an Account Specialist. On Monday, XXXX XXXX ( XXXX XXXX ) : The Venmo Account Specialist by the name of XXXX ( abbreviated for privacy purposes ) contacted me to inform me that after some investigation, Venmo has denied my unauthorized payment. but they did not provide any details of their investigation itself. I emailed them back for further clarification on my claim denial to which she responds with saying that : " After reviewing your account we found no signs of unauthorized access. We came to this conclusion based on the fact that the XXXX used to make this disputed payments from this account. For these reasons we will be denying your claim. '' Following that response, I emailed her back basically saying that my initial complaint was that of an unauthorized transaction and that I believe their reasoning for this course of action is completely unfair on my end. I then requested for the exact GPS coordinates and IP address of these transaction, which Venmo refused to disclose. I then asked them to provide me information on the user account that my money was being sent to, which they have not given me a response to yet. XXXX XXXX ( XXXX XXXX ) : I received an email notification from Venmo ( not their support ) that I now owe them {$1200.00} dollars since the bogus transactions could not be funded by my XXXX XXXX XXXX Checking A ccount ( due to me requesting a stop cancellation on them ). They then stated that the other user has the funds and I have to pay Venmo back for the coverage. I absolutely refuse to pay them a cent since I had informed them multiple times that I did not authorize any of those transactions and I am wondering if I could face any legal ramifications for doing do. I also have screenshots of the transactions on my Venmo profile and of the bogus account as well as screen shots of my emails with Venmo 's Customer Support. I have already changed all of my login information for all the online accounts I can think, filed a local police report, and I went to a physical XXXX XXXX XXXX location to close my current bank account and reopen a new one. I have also informed the employees and management of my situation to which they have assessed that this is a complete fraudulent transaction and that Venmo is the liable one here. I obviously am taking their opinions with a grain of salt, but I hope you guys can help me out with this situation. I feel sort of powerless right now because someone was able to invade my personal information to such a degree that has caused me such trouble. I will provide any additional information as needed. EDIT : SCREENSHOTS OF MY EMAILS BETWEEN CUSTOMER SUPPORT XXXX XXXX XXXX SCREENSHOTS OF MY VENMO FEED AND THE OTHER USER 'S FEED XXXX XXXX XXXX | ||||||
| 12/22/2020 | Yes |
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| I purchased 3 items from a internet company that showed they were a US Company and that the items that were listed were all Made in USA. They also included a guarantee of 3-5 days shipping. I filed a complaint with PayPal to return my money as the seller refused to communicate other than form letters that were sent to multiple consumers. The items were admitted to not being made in the USA which is the only reason I purchased these shirts. PayPals only real response was to request shipping information from the seller, the seller then sent 1 shirt and not three, PayPal closed the complaint because there was a document submitted that showed mail delivered, the denied the complaint and has locked out further complaints for this transaction. My allegations, PayPal is knowling supporting internet Fraud as well as International Trade Violations by allowing companies to profit from fraudulent claims of " Made in USA ''. PayPal has acted in a manner that suggests they make more money from the scammers than they do from the buyers and therefore are protecting that income stream. This Company changes it's name every few weeks and PayPal knows this and does not prevent them from using their system to commit Federal Crimes and Scam US Consumers. Seller information XXXX XXXX XXXX XXXX Transaction amount {$120.00} USD Refund requested {$120.00} USD Transaction ID XXXX Invoice ID XXXX1 Date reported XX/XX/ Your notes This was advertised a 3 to 5 business days to ship orders. The order was placed nearly 6 weeks ago and they have made no attempt to respond or contact me on this order. Demand full refund from the vendor. File XXXX invoice.pdf Your responses Date added XX/XX/ Your notes They refuse to acknowledge that their claim of Made in USA is ok since they claim the same quality, violates Federal Laws. Items are have not shipped and they claimed 3 to 5 days, this is well into the COVID pandemic, so to continue to advertise 3 to 5 days is a fraudulent claim, they have still not shipped the items. Response was pre canned response to it's customers when they continually fail to meet even a reasonable delivery schedule. Information provided by the seller Date XX/XX/ Tracking info XXXX, XXXX XXXX Your conversation with the seller You This was advertised a 3 to 5 business days to ship orders. The order was placed nearly 6 weeks ago and they have made no attempt to respond or contact me on this order. Demand full refund from the vendor. XX/XX/ at XXXX XXXX AKST You Your claims of Made in USA is an international trade violation, these are made in XXXX and your advertisement are false and intended to defraud consumers. Made in USA requires that virtually all of the garment is made and assembled in the United States to include all materials used on the item. XX/XX/ at XXXX XXXX AKST Dear our Customer, On behalf of customer service, we are truly sorry for the delay due which is an unexpected inconvenience caused to you. We have contacted our shipping partner to speed up the shipment and ensure your package will arrive at your place soon. Actually we have factories around the world including XXXX, XXXX, XXXX and XXXX and guarantee the quality of this product meets the highest USA standards. This order is valuable and high quality, so we promise you will be satisfied when you see it. We know it is your hard-earned money and would be grateful if you allow us to bring the best service to you at this time. From our family to yours, we wish that you stay healthy and safe. Thank you and God bless you! Best regards, XXXX Customer Service Executive XX/XX/ at XXXX XXXX XXXX You Meeting USA standards is not Made in USA, I have already filed a fraud complaint with the US Securities and Exchange, Made In USA by law means virtually all components and materials used, and all assembly and manufacturing are US, you just admitted they are not at all US material or manufacture. You have committed a federal crime in the US as well as all XXXX member countries by treaty. I dont want your fraudulent XXXX. Refund immediately. XX/XX/ at XXXX XXXX XXXX | ||||||
| 02/16/2022 | Yes |
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| This is a follow up to my previous complaint submitted to the CFPB regarding PayPal , Inc . The CFPB closed my complaint before it was full resolved by PayPal. I submitted feedback via the CFPB portal and the complaint was subsequently closed. I would like PayPal to address my concerns in the feedback below. As a top priority, I would like PayPal to address how my PayPal Cash Debit Card was approved to exceed the spending and withdrawal limits that PayPal places on these cards? This allowed my stolen card that was linked to my bank account to completely drain the total amount in my checking and savings accounts and cause me extreme financial distress. ADDITIONAL COMMENTS This has been a better explanation than the multitude of back and forth emails from PayPal agents as they have advised that it was declined due to it being '' personal payments '' and those by definition are not covered by PayPal as part of their consumer protection efforts. I am concerned that this explanation provided from the CFPB complaint differs from what is being provided by the PayPal employees I am communicating with. Why would that differ? I am also concerned that the following statement provided by PayPal to the CFPB, " We made this decision because your login activity remained consistent before, at the time, and after the Payments were initiated. " is the now " actual '' reason for denial. What exactly does this reason mean? I am a PayPal customer and frequently use the app and website on several devices and I am unclear as to what that has to do with denying my claim when my belongings and identification when I was traveling and staying at a XXXX XXXX. I am also concerned that the unauthorized charges that occurred on my PayPal Debit Card far exceeded the withdrawal and daily spending limits that PayPal puts on this particular card offering. How did those limits get exceeded and my bank account drained in the process? I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS My concern/ confusion stems from the explanation provided by PayPal via this CFPB complaint forum and how it differs from what is being provided by the PayPal employees/ agents that I am communicating with. Why would that differ? I am also concerned that the following statement provided by PayPal to the CFPB, " We made this decision because your login activity remained consistent before, at the time, and after the Payments were initiated. " is the now " actual '' reason for denial. What exactly does this reason mean? THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS I believe the company has followed their protocols, but I do not believe they are taking a deeper look at this as an abnormal situation that may need to be reviewed to help the customer and do what is in the best interest of the customer. AND I am concerned that they are following what appears to be strict protocols on denying my claim but when it comes to following their own protocols that provides spending and withdrawal limits on the card offering I am a holder of and the one that was compromised it seems to be nonexistent. What I mean by that is that the amount of funds exhausted through this particular card offering grossly exceeded the limits that PayPal sets on this product. How does that happen? What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. | ||||||
| 01/21/2020 | Yes |
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| Dear sirs, During the night of XXXX to XX/XX/2020, six improper payments were made to five different sellers, from my Pay Pal account, associated with my personal email ( XXXX ) and a Visa credit card, contracted through XXXX in XXXX. This payments were made to sellers I don't recognize and have never had any contact with before. The only information I have about them is the email address associated with their Pay Pal accounts ( two transactions for XXXX and one for each of the following : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ). These movements were made in different currencies ( euro, dollar, Hungarian forint ), totaling XXXX euros. Having noticed the movements, on the morning of XX/XX/2020, I opened a dispute on the Pay Pal online platform [ attachment 1 ]. The complaint was rejected by the company in the early afternoon of the same day. The company 's decision was made within about four ( 4 ) hours. [ annex 2 ]. In view of this response, Pay Pal was contacted by telephone, but the customer service line was already closed at the time of contact. Telephone contact was only possible through the customer support number for XXXX ( XXXX XXXX XXXX ) on the following day, XXXX XX/XX/2020. In view of this hiatus - and having doubted the confidence in Pay Pal 's security system - I canceled my Pay Pal account on the night of XX/XX/2020. My bank was also ordered to cancel the credit card associated with this account. Once Pay Pal was contacted on XXXX XX/XX/2020, an appeal was made against the decision taken the previous day. The information from the operator of the customer support center, named XXXX, was that it would take about 10 days to investigate the situation, after which they would be contacted for a response. In the meantime, on XX/XX/2020, all the sellers to whom the payments were made were contacted by email. Only one ( XXXX ) of these responded, acknowledging that this was an undue payment and offering to return the money [ Annex 3 ]. Pay Pal was noted for this. On XX/XX/2020, after the 10 days of waiting, Pay Pal was contacted again through its customer support number. They informed me by telephone that my complaint had not been given a reason. The operator with whom this conversation was held, named XXXX, showed himself strange with the reaction and claimed to have seen signs himself, through the IP 's where access to my account was made, that there was a non-conformity, having been helpful in the investigation of a hierarchical appeal of that decision. I received a message from Pay Pal, through my account, the next day, again stating that they did not recognize the reason for my complaint [ Appendix 4 ]. As I have stated in writing, in response to that message, to the company, it is not acceptable that after a complaint has been filed for misuse of my account and, having allegedly been investigated by the company for movements made in my account, they do not have a complaint. complete answer to give me questions like these : Who are the salespeople for whom the moves were made? Have they been contacted by Pay Pal during this process? Why was the response to the seller XXXX not considered, and which acknowledges me right? From which countries were my account accessed at dawn from XXXX to XXXX XX/XX/2020? What IPs were used to access my account at dawn from XXXX to XXXX XXXX? On XX/XX/XXXX, the movements in question were charged to my credit card. That said, I instructed my bank, XXXX, a complaint with the Visa network, so that payments are canceled. On XX/XX/XXXX, I again contacted Pay Pal customer support by phone. For 25 minutes, the operator I spoke to, just answered that he had no more information to give me. He also refused to transfer the call to a superior. I demanded to be contacted by a superior to ask these questions, which has not yet happened. That said, and after the complaint with the Visa network, this complaint will be sent to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau of the US Government. | ||||||
| 03/16/2023 | Yes |
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Web | Servicemember |
| PayPal ( PP ) notified me via email I had a negative balance of {$5000.00} with no explanation. I attempted to get information via PP customer service chat and was denied any information. I called PayPal Credit ( PPCredit ) days later guessing they may have information. They could see the transaction amount, but saw nothing wrong. They forwarded me back to PP Investigations and Regulatory Dep saying they couldnt fix the issue and only PP could. PP Investigations told me I was refunded twice for a dispute. One by the merchant and one by PPCredit. He refused to assist me in having the account fixed property and instructed me to pay or contact PPCredit. He was rude, I lost my temper and asked for a manager. XXXX XXXX was similarly no help. She claimed there was no way to speak with PPCredit to mediate a better solution and claimed she didnt have a supervisor or anyone to escalate to issue to. I called PPCredit back and shared what I was told by PP. They explained to me after a review of my account and a conference with their manager that PP had made an error and needs to solve the issue with the merchant, not apply a negative balance and not restrict my account. Their position was that PP needs to follow the proper policies and not make it my fault. I called PP back and shared this information. The customer service agent said my dispute with the vendor was denied originally because the merchant sent a refund on their own on XXXX XXXX therefore PP had made a mistake issuing a second refund. I was forwarded to speak with PP Chargebacks department which unfortunately was Investigations again. I was run around in circles again by XXXX XXXX. I explained I was being unfairly bounced back and forth between PP and PPCredit and that they needed to contact each other and get on the same page to properly adjust my PPCredit account. She told me she was going to put me on a three way call with PPCredit, but it was a lie to attempt to get me to admit to something I was never denying in the first place and then began talking in circles again. I lost my temper regarding the lie. After requesting a manager I was hung up on. I later decided to give PP Credit another try. After explaining the entire situation again the account specialist reviewed my situation saw that there was an accounting mistake made and explained he was going to conference with an accounting department to fix the issue retrospectively to XX/XX/XXXX. When he returned he explained Accounting wouldnt help after all and suggested I initiate a dispute with PP online resolution center. So yet again I was being bounced around with no real results. I got him to admit he was an offshore third party contractor paid to be an account specialist for PP Credit and not an actual employee, but he could connect me to an onshore representative who actually works for PP Credit. I was transferred and spoke to a very unhelpful, rude representative. He transferred me to a supervisor as he was no assistance and stated the problem could only be addressed by PP. His manager claimed that she started a dispute to the back office team and it would take 1 to 2 billing cycles. She stated there was no one else I could escalate to and I ended the conversation. Every representative claimed they couldnt solve the problem and I needed to call the other company. Its clear together, these customer services are designed to only discourage customers and create and attritional response from the customer to force PPs agenda. My PayPal and PayPal Credit accounts have been restricted and PP keeps sending emails for debt collection. PayPal Credit needs to adjust the account retroactively at the time their error was made and reestablish my account as it should look and cancel their request to PP to aggressively collect. This isnt the first time funds have been inappropriately applied from the PP Credit to my PP account. Id like to be contacted by PP Corporate and or XXXX XXXX who owns PP Credit at this point, since customer service agents are unable to affect an appropriate outcome. | ||||||
| 10/05/2023 | Yes |
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| Call Recordings Attached, history with PayPal attached, and offer that I was denied for that I meant the requirements for. On XXXX XX/XX/XXXX I applied for PayPal Working XXXX XXXX for small businesses. The requirement are as follows : To be eligible to apply for PayPal Working XXXX, you must ( I met this advertisement ) : -Have a PayPal Business or XXXX account for XXXX days or more -Process at least {$20000.00} in annual PayPal sales if you have a XXXX account or at least {$15000.00} in annual PayPal sales if you have a Business PayPal account XXXX - Pay off any existing PayPal Working XXXX XXXX I applied and I was denied even though I mean and superseded the requirements. - I have had a PayPal business account for three years - I have processed more than {$20000.00} in annual PayPal sales and more than {$15000.00} - I have a Business PayPal account - I do not currently have a loan with Paypal at all. I spoke to the representatives from PayPal customer care over the phone on XX/XX/XXXX and XX/XX/XXXX. The representatives said even though I meet all requirements they were still not able to extend the loan to me. I called to find out why asked why ( we record our calls for quality as well ) : 1. The first representative ( XXXX said on XX/XX/XXXX ) said : " You met the minimal to apply, but its declining you because the way the sales are coming in and because you don't have a lot of unique transactions and then goes on to say because my income is different every month even though is met the annual requirements. '' - He then said you are welcomed me to apply to another business loan PayPal Business Loan : This loan had harsher requirements that I would not meet or be able to get approve for or would be very hard on my business. PayPal Business Loan Requirements compared to the loan above : - Lesser loan amount to be approved for. - Weekly repayment terms. - Higher Interest Rates -Harder to get approved for because it had a credit check -Higher annual sales revenue of {$33000.00} required -Longer wait time to be funded -Longer time required as an account Holder. PayPal is directly violating the following as defined by CFPB : -12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) ( please see ) XXXX Special purpose credit programs. - 12 CFR Part 1002 ( Regulation B ) 1002.6 Rules concerning evaluation of applications. ( please see ) ( b ) Specific rules concerning use of information. * Cited from PayPal Working XXXX FAQ : Apply with Bank or other Account Info : ( screenshot attached ) I see an option to share my business bank account information when applying for PayPal Working XXXX. What is this? Your PayPal Working XXXX loan decision and offer are primarily based on your businesss PayPal account activity, including the sales you process through your PayPal account. However, we understand that you may process significant sales outside PayPal. If you choose to share your business bank account information when you apply for PayPal Working XXXX, and if your application is approved, you XXXX receive a higher loan offer based on the additional sales you process in your bank account. * My experience on both calls : Went I applied for this loan the option to provide my Quickbooks account or additional revenue details was never made available to me ( during the loan process or after when I called ) and I let them know this is where the the majority of my income comes from, yet it is available to certain applicants, but not to me. I called again on XX/XX/XXXX and tried to get answers again. 2nd Representative : The system wants to predict sales and he said I also ask to go to the more traditional loans with higher interest rates and a credit check. Supervisor Call ( XXXX XXXX on this day XX/XX/XXXX : Said it was a temporary decline it could change and asked if I saw anything about adding a bank. ( I did not see it ). She too offer the other loan with the higher interest rate and credit requirements. Please listen to the calls and review cited information and thank you. | ||||||
| 02/23/2023 | Yes |
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| To whom this may concern, Both my PayPal and Venmo accounts have been permanently limited for no apparent reason. Despite countless attempts to reach out to customer support, I've been told that the decision is final although I know that's not the case as I have read from other people that they have gotten their accounts back due to an error in reviewing. After numerous phone calls with both PayPal AND Venmo 's support phone numbers, I was not able to be helped or told what my violations were and why my accounts were closed due to security reasons. I then escalated a case to the Executive Office on XX/XX/XXXX and received a reply. In the email I received, the representative XXXX told me : Venmo ( and PayPal ) utilizes automated tools to scan transactions and review accounts for potential fraudulent or high-risk activity. On XX/XX/2023, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Venmo account. As stated above, it was AUTOMATED thus I believe that several errors were made. I have reviewed the Acceptable Use Policies of both PayPal AND Venmo extensively since my accounts were limited and I am absolutely certain that I did not ever violate anything and nothing I did was against the policies. I would liketo request a thorough review through non-automated means. My PayPal and Venmo accounts are fully authenticated and have never had any issues up until now. As I stated before, I mainly use these services to pay back my friends/family, and even occasionally make purchases online that would otherwise not go through on my debit card. As a college student, using these services was essential for me since people often donated to me since I struggle financially and this permanent limitation has caused a severe impact on my life. Everything I do on both services is completely legitimate. I will happily provide context as to what my recent transactionsare to prove that they are not in violation of anything. : My last usages were on XX/XX/XXXX, with a payment sent to my friend XXXX of XXXX as a joke. The other payment I received that day was from my friend XXXX for photocards.Aside from that, everything that is written in the " memo '' section of all my transactions are either my friends ' instagram handles so I know how to keep track of everything, or a random memo that has nothing to do with anything since again, it is between FRIENDs. My most recent Goods and Services transaction was from my XXXX on XX/XX/XXXX, who I actually did sell something to. Aside from that, any XXXX XXXX XXXX transactions are all legitimate and have been from people from different countries where Friends and Family is not an option. I have also read that countless usershave gotten their accounts limited forno apparent reason and were able to reinstate them by contacting the Executive Office, and I believe that I fall into this exact same category. I feel as though this is foul service on PayPal 's part as I have been a customer for many years and now my financial situation has changed drastically. This is very shady behavior on the company 's part to close down a longtime customer 's account very suddenly with both 1 ) no prior warning and 2 ) absolutely no explanation of what the violation was. They also stated that they would HOLD the funds in my account for 180 days which is an absurd amount of time. Luckily I had no funds in the account at the time, but the fact that they would hold the funds hostage is very shady. I even am a cardholder of Venmo 's credit card, which is now virtually useless to me since I can no longer receive or redeem the cashback rewards since it is through Venmo, a service of PayPal. I plan to cancel this card if my account is not restored as there is no benefit in me keeping it and I would no longer want to be associated with it. This decision would in turn negatively impact my credit score SEVERELY, especially since it is one of my longest-standing credit cards that I opened when I graduated high school. | ||||||
| 08/03/2022 | Yes |
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| I had my paycheck direct deposited and it went into the wrong account. As instructed by venmo I paid to have the deposit recalled and they refused the recall stating that that account did not allow a h transactions. I have forwarded some of the messages sent to the pay company ( XXXX XXXX ) they are the payroll company that direct deposits my paychecks into my venmo account. I am sure mistakes have been made where the account number was wrong and it had been handled very poorly by venmo and they are refusing to give me my funds that are clearly in the wrong account. It has been since XX/XX/XXXX that I have been dealing with this with no results and truthfully this is my paycheck I have been counting on. Below you will clearly see the account number my check went into and my account number. Thank You XXXX XXXX ( XXXX XXXX XXXX, Transitional Services ) This is the lady in charge at XXXX XXXX the payroll company XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CONFIDENTIALITY NOTICE : This information may contain confidential and/or privileged material and is only transmitted for the intended recipient. Any review, re-transmission, conversion or hard copy, copying, reproduction, circulation, publication, dissemination, or other use of, or taking of any action, or omission to take action, and reliance upon this information by persons or entities other than the intended recipient will be enforced by all legal means, including action for damages. If you receive this message in error, please contact the sender and delete the material from any computer, Disk drive, diskette, or other storage device or media. From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, at XXXX AM, XXXX XXXX XXXX wrote : We are still trying to track down a direct deposit sent to an incorrect Venmo account. XXXX XXXX had a direct deposit issued in the amount of {$620.00} for an effective date of XX/XX/XXXX sent to an incorrect Venmo account of XXXX, the account number should have been XXXX. XXXX and her employer have been trying since then to find where Venmo posted this direct deposit. They were told to send a reversal thru ACH to get the funds back, so we did that on XX/XX/XXXX and the entry was returned because the account does not allow debit ACH transactions. So, Venmo still has the funds, but the employee does not. We need the original transaction returned thru the ACH process or have the funds moved from the account ending in XXXX to the account ending in XXXX. I am providing the information requested by Venmo so that an Account Specialist can start an investigation, please let us know as soon as possible where the funds are and what Venmo is going to do to correct this. Venmo must have a process in place when funds are sent to an incorrect account. 1. Amount of the Direct Deposit- {$620.00} 2. The date the Direct Deposit was sent - Effective date of the deposit was XX/XX/XXXX 3. The name of the issuer ( employer, benefits provider, etc. ) - XXXX XXXX XXXX XXXX ( employer ) 4. A trace number provided by the issuer- Trace # XXXX Thanks! XXXX XXXX XXXX XXXX, Transitional Services O ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Set & Engage. CONFIDENTIALITY NOTICE : This information may contain confidential and/or privileged material and is only transmitted for the intended recipient. Any review, re-transmission, conversion or hard copy, copying, reproduction, circulation, publication, dissemination, or other use of, or taking of any action, or omission to take action, and reliance upon this information by persons or entities other than the intended recipient will be enforced by all legal means, including action for damages. If you receive this message in error, please contact the sender and delete the material from any computer, Disk drive, diskette, or other storage device or media. | ||||||
| 04/11/2021 | Yes |
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| I have been using PayPal services for about a year. Never had problems or charge backs associated with my account. Recently I had some payments go into my account for things I sold. There were standard external holds placed on the payments which is normal. My account was at the time restricted for the 3rd or 4th time demanding I turn in bank statements and business information ect ... The holds on payments are usually released after 21 days and proof of delivery. Three days before a payment was to be released, before it had been delivered, PayPal releases 5 payments into my account which set off an alert in there system according to them and the took the balance of $ XXXX and put it in a reserve in case of disputes or returns. This all happened within minutes. They then started telling me lies about who placed the hold on my account blaming another company and refused to tell me why they did so. After a few weeks of false statements and avoiding my concerns, a customer service agent admitted that the holds were in fact PayPal holds but refused to give me an honest answer why they released the holds early. It is also unheard of for them to release a rather large payment before the item was delivered. They told me many times they didn't have control over the external holds. About 5 days ago another customer service agent then told me that they did release the payments and then held the payments to set up the reserve. The money was never available contradicting the emails I received stating that it was available. The large payment for the item that was not delivered yet was also an item that a refund had been requested for 3 times and was ignored by PayPal. I believe state and federal law say if a return is requested it must be given within 10 days of the request. This is a brief explanation of the events and there is much more about the unfair, unethical and I believe to be illegal actions of PayPal. This was a malicious group of events to take/hold my money. This is there true business model. They take or hold users money to either invest it or lend it to other users. They do little vetting when users sign up to verify there business or identity so users can engage in transactions and acquire balances just so they have a reason to hold the money in the future multiple times. And if you don't provide satisfactory proof of the requests, they may keep the money for 6 months or indefinitely. They are not transparent at all about when and why they may take your money. Like I mentioned above, I never had problems with my account. No charge backs or disputes, I had received payments before of equal amounts with no problems so they had no reason to assume there was risk for my account as they claimed there was. I am sure there have been hundreds if not thousands of users this has happened to in the past. When I contacted the corporate officers I got not one single response. Customer service purposely makes it hard to contact them. When you do through the message system they hand you off to a different agent after every message you send so you have to go through the whole explanation again and again about your concerns. You get absolutely no help. I was willing to try some form of resolution process with escalations department but they only make the same false statements. After telling them they are violating the law by not issuing the refund, they have stopped replying to my messages and emails completely. How a company has gotten away with this for so long is beyond me. There is complaint after complaint after complaint all over the internet and it only gets worse with time. Consumers are not being protected from unethical activities and the horrible code of business conduct they have set up at PayPal. It is a toxic environment for all. They probably pay next to nothing in taxes for the amount of revenue they generate. They provide little benefit to our society besides what little services they offer. I can only hope that someday the world business model will change because its killing us all. | ||||||
| 10/21/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX my wife and I were victims of a puppy scam on XXXX. A neighbors family member had their account hacked. Believing the person was family of our neighbor we agreed to take one of the unwanted puppies for a rehoming fee of {$150.00}. They asked for the payment through Venmo. The first transaction failed so they gave us a second account to try. This one went through. Throughout the day they would responded through XXXX XXXX saying they had a medical thing going on. After a while we realized they were just stalling so I immediately contacted Venmo to let them know there was fraud, and since the transaction didnt hit my bank account yet thought that they would be able to do something. The said that they couldnt stop the transaction so I placed a block on my checking account. Later I closed my Venmo account thinking that we had stopped the scam. Venmo emailed me today threatening collections. Because of this threat I will just pay the scammed money, worried that it would affect my credit. I wanted to provide this information to you as it seems unfair to consumers that Venmo can do this. Perhaps they should be regulated more and not allow for instant withdrawals of funds, as this makes it an easy target for scammers. Should I be required to pay this amount to Venmo? Or are they just threatening consumers to improve their bottom line and pass the cost to their users? Its sad to think that these apps offer little protection for their users and make things easy for the scammers. I also thought that they were able to stop the scam as they did not notify me until today. Though their representatives have mentioned transactions should be completed in 1-3 business days. Below I have attached the email that was sent. - Uh-oh, your account is frozen - let 's fix it Hi Name There was an issue with a recent payment from your Venmo account username, associated with the phone number phonenumber. We took care of the payment in the moment, and the receiver got the money, but we couldn't get the funds from your bank account. You now have a negative balance of {$150.00} USD, and we had to freeze your account. You can unfreeze and restore your account and go back to paying your friends and favorite businesses by resolving this negative balance. Pay back the negative balance using one of the options below : From your mobile device with the Venmo app installed, click here Open the Venmo app and follow the instructions displayed Log in to venmo.com/recover from a computer Call us at XXXX For any questions, please contact us at XXXX. We're available Monday - Friday, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Time. If you've already resolved the negative balance, you can ignore this email. Thank you, Venmo Collections This is an attempt to collect a debt, and any information obtained will be used for that purpose. Venmo is a service of PayPal , Inc. Venmo Collections is a department of PayPal , Inc . New York Residents : Each written, collection communication can be provided in an alternative, reasonable, accommodation selected by Venmo Collections. To make an accommodation request, please call us at XXXX. California and Maryland Residents : Unless you notify us within 30 days after receiving this notice that you dispute the validity of the debt, or any portion of the debt, the debt will be assumed valid. If you notify us in writing within 30 days after receipt of this notice that the debt, or any portion of the debt, is disputed, we will obtain verification of the debt and provide you with verification. If you request in writing within 30 days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor. Written notices may be sent to Venmo, XXXX XXXX XXXX, XXXX, XXXX, XXXX. California Debt Collection License Number : Application Submitted. To Opt Out of further collection emails from Venmo, click here and then select Opt-out of Collections Emails. XXXX PayPal, Inc XXXX XXXX XXXX XXXX XXXX, AZ XXXX | ||||||
| 09/13/2022 | Yes |
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| I received the following message on Friday, XX/XX/XXXX : You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. We regret any inconvenience this may cause. I then received the following message on Monday, XX/XX/XXXX XXXX XXXX, Your Venmo account has been frozen due to recent activity that triggered some security alerts. You may have received a separate email from Venmo with more information. If you have questions or want to reactivate your account, please contact Support here. Thanks, Team Venmo Also on Monday, XX/XX/XXXX I received the following message. I did not submit a request to Venmo, nor did I have time to respond the the previous message, which arrived 22 minutes earlier. You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. We thank you in advance for your cooperation. If you have any further questions, please reply to this email. Sincerely, Team Venmo Here is my complaint : I have conducted no transactions on PayPal that violated their Acceptable Use Policy. I have only one PayPal account, which I have used infrequently since XXXX. I have never had another PayPal account besides this one. I have checked the transaction history for my PayPal and associated bank accounts and see nothing unusual. My transactions are all legitimate and do not violate the Acceptable Use Policy. Therefore, I think this is an instance of either fraud or faulty algorithms flagging my account. Either way, I contacted PayPal yesterday ( XX/XX/XXXX ) and have not yet received a response. Related, in spring XXXX, my Venmo account ( but not my PayPal account ) was permanently suspended for violating their User Agreement. However, this was reversed after I complained and my account was eventually restored ( otherwise, it could not be suspended again now ). I contacted CFPB for this problem as well ( complaint ID XXXX submitted on XX/XX/XXXX ). With both PayPal and Venmo ( for which PayPal is responsible ), these companies are unfairly smearing my digital presence and damaging my ability to conduct legitimate transactions. Thank you | ||||||
| 09/17/2021 | Yes |
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Web | Older American, Servicemember |
| Date XXXX XXXX Amount frozen by PayPal {$3000.00} No reason to steal the Company Money By far this is one of the most corrupt companies on the Internet that completely rob and steal American people every day shutting down their accounts holding your funds for no reason whatsoever this department should indict the people involved in this and shut down PayPal immediately! Since XX/XX/XXXX, PayPal has decided to shut the business account down with no reason whatsoever. PayPal has over {$3000.00} of the XXXX money to pay our bills such as electricity water rent food for the homeless shelter and now they have shut off the electricity power cable because PayPal has held the money now for almost three months! At this time all of our bills are late electricity water cable in our rent because the funds have been sitting in the account since XX/XX/XXXX, and our business affiliates pay us through PayPal and now the funds are locked, and he refused to release the funds for approximately six months. We contacted the local please we have filed a police report and people should be charged for fraud and corruption and money laundering they also should be put out of business then to add fuel to the fire I have received several emails from different companies stating pay is {$200.00} and will fix your account which is also run by PayPal. PayPal is one of the leading online payment solution and service providers in the world. It has more than XXXX XXXX active accounts in over XXXX markets and in nearly XXXX currencies worldwide. By far this is one of the most corrupt companies on the Internet that completely rob and steal American people every day shutting down their accounts holding your funds for no reason whatsoever this department should indict the people involved in this and shut down PayPal immediately! Since XX/XX/XXXX, PayPal has decided to shut the business account down with no reason whatsoever. PayPal has over {$3000.00} of the XXXX money to pay our bills such as electricity water rent food for the homeless shelter and now they have shut off the electricity power cable because PayPal has held the money now for almost three months! At this time all of our bills are late electricity water cable in our rent because the funds have been sitting in the account since XX/XX/XXXX, and our business affiliates pay us through PayPal and now the funds are locked, and he refused to release the funds for approximately six months. We contacted the local please we have filed a police report and people should be charged for fraud and corruption and money laundering they also should be put out of business then to add fuel to the fire I have received several emails from different companies stating pay is {$200.00} and will fix your account which is also run by PayPal. PayPal is one of the leading online payment solution and service providers in the world. It has more than XXXX XXXX active accounts in over XXXX markets and in nearly XXXX currencies worldwide. XXXX XXXX XXXX XXXX, La XXXX, NE XXXX ( XXXX ) XXXX Paypal XXXX XXXX XXXX At the Paypal headquarters there is a leadership team and a board of directors. Leadership XXXX XXXX XXXX and XXXX, PayPal XXXX XXXX XXXX, Chief Product XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Chief Business Affairs and Legal XXXX XXXX XXXX XXXX, Chief Strategy, Growth and Data XXXX XXXX XXXX XXXX, Global Sales XXXX XXXX Chief Risk XXXX and EVP, Risk and Platforms XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Chief Technology XXXX XXXX XXXX XXXX, Corporate Affairs ( For XXXX XXXX and XXXX Inquiries ) XXXX XXXX XXXX, Investor Relations ( For Investor Relations Inquiries ) Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX PayPal used to be owned by XXXX from XXXX to XXXX, its now an independent company after being spun off by XXXX. Brands associated with Paypal include XXXX, Venmo and XXXX. | ||||||
| 01/26/2019 | Yes |
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| On XX/XX/2019 I initiated a transfer from my XXXX bank account to my XXXX XXXX XXXX XXXX account through the XXXX app - Paypal. I was given a 1 day transfer time. On XX/XX/2019, XXXX ( Paypal ) took {$1000.00} from my XXXX account in the form of two direct debit transactions - {$500.00} and {$560.00}. I ran into some errors when trying to do this so I contacted their customer support line at XXXX on XX/XX/2019 and an agent there helped me complete the transfer. He mentioned having to go into the system and delete something. I waited and waited on my transfer and I called both banks and XXXX several times. An agent named XXXX from XXXX assured me that my transfer would happen - said to allow them at least 3 business days. This sounded ridiculous but all I could do was wait. On XX/XX/XXXX at XXXX XXXX I received an email from XXXX stating that my account has been frozen and my funds are on hold until I can verify my identity. They asked me to send a picture of my license. I challenged this for security and lack of security reasons but the customer service reps on the phone informed me this was the only way. I spoke to a gentleman named XXXX and a supervisor named XXXX and several others. I sent the copy of my license on XX/XX/19 at XXXX XXXX. I sent a series of emails after that due to no response - 11 total - which included copies of both bank statements and proof that I was on the line with the customer service during the transfer. They also asked for the last 4 of my social, my date of birth, and my email. I finally received a response back from XXXX XXXX via email on XX/XX/2019 at XXXX stating that he needed yet more information from me regarding my XXXX XXXX XXXX XXXX account and my debit card with them - which my debit card had nothing to do with the transaction and I did note that in the email. On XX/XX/2019, at XXXX, I emailed XXXX from XXXX back an attachment with my direct deposit form from that bank. I sent 8 total emails with no response ever back from XXXX. On XX/XX/2019 at XXXX I received an email from XXXX XXXX , supervisor whom I was on the phone with regarding my frozen account. She understood that I sent all info needed and believed that they would unfreeze the account. Her and I both cried on the phone over the situation as I am now XXXX XXXX XXXX XXXX Her email basically said she could not help me and I would need to speak with the account specialist who only communicate via email. I did not respond back to her email. On XX/XX/2019 at XXXX I received an email from XXXX XXXX stating they permanently deactivated my account and will no longer offer me service. The email further stated in the exact words " The funds have been reversed to your duplicate account and will remain held by XXXX for up to 180 days. If we deem the funds suitable for release we will contact you via email with the next steps ''. I informed them that I would go forward with a law suit and filed a dispute with my bank. On XX/XX/2019 - I emailed both XXXX and Paypal a demand letter to return the funds back to the original account that they drafted them from. They replied back with an email stating they haven't received a copy of my license that I sent over a day ago. I'm concerned about my identity being stolen as the same email address that I sent the license to had no idea of what was going on. XXXX now has my money in their bank and will not return it to my account even though I have proven what they asked with several personal documents - that I am the legal account holder. I was scammed out of {$1000.00} and now I have no money. That was my full pay check and my daughter and I are starving. My small business is suffering as I had bills due for it and I just don't know how I'll make it. I'm a single mom, child 's father is deceased, and XXXX ( operated by Paypal Inc. ) has stolen all of my money. I became very ill upon finding out this and had to miss work and etc. I have all correspondence documented and will support any and all necessary documents. | ||||||
| 03/04/2021 | Yes |
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| In XXXX of XXXX, we agreed to purchase an amount of five ( XXXX ) custom made tumblers from a seller located in XXXX, Nebraska called " XXXX XXXX '' The amount charged by the seller was {$220.00}, with an agreed delivery date on or before XXXX XX/XX/XXXX. The seller did NOT make the date, and we asked for a refund. The seller ceased ALL contact with us, and we were forced to file a dispute against the seller with PayPal , Inc . However on XXXX XX/XX/XXXX, we noticed that {$220.00} had been charged against our PayPal account. We filed a report with the Omaha Police Department, but were informed that we would have to work with PayPal regarding the unauthorized transaction. After contacting PayPal, we were informed that the charge had been initiated by " XXXX XXXX. '' We filed an " unauthorized transaction '' case and PayPal issued us a " provisional credit '' while they investigated. However, they determined that " there was no unauthorized transaction '' and that it was " consistent with our account activity. '' Continuing to XX/XX/XXXX, we continued to dispute this charge as " items not received '' on the advice of one of their customer service representatives ( XXXX XX/XX/XXXX, Dispute Case ID : XXXX ). Based upon this new case, the original case ( Dispute Case ID : XXXX ) was found in our favor and the money refunded XXXX XX/XX/XXXX. We thought that was the end of it. We were wrong. On XXXX XX/XX/XXXX, we were informed that our account was going to be debited {$220.00} ( Dispute Case ID : XXXX ). This surprised us, as we thought the matter had been found in our favor. We began to dispute this case in XXXX of XXXX as " items not received '' since that was what the customer service representative had told us to file it as, rather than an unauthorized transaction. While the case was in dispute, PayPal retained the services of a collection agency and we received a letter informing us that PayPal was attempting to collect this debt. I contacted PayPal again asking that debt collection efforts cease. I was asked for additional information, which I had already provided to PayPal and it was at that point I was told to change this to an " unauthorized transaction. '' I informed the PayPal representative that we had tried this already, and that it was not found in our favor. The case was changed for me by PayPal to an " unauthorized transaction '' on XXXX XX/XX/XXXX XXXX Dispute Case ID : XXXX ). I was then informed by email that a new case had been opened XXXX XXXX ( PP-I-XXXX XXXX for this complaint, since the reason had been changed. I was again informed by email on XXXX XX/XX/XXXX that PayPal " completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. '' I was again contacted by PayPal on XXXX XX/XX/XXXX that my account was going to be debited for the amount of {$220.00}. I contacted PayPal on XX/XX/XXXX informing them that I was going to continue to dispute this charge because it was not our responsibility. I was told by a XXXX customer service representative named XXXX that he : " went ahead and submitted a ticket to our back office team to get this case resolved for you as it has been open since XX/XX/XXXX. I don't show that the seller provided us with any tracking number or proof of delivery. Unfortunately, the case it self is stuck in a pending status which is why I submitted this case to our back office team to correctly make the changes and close in your favor. '' I was informed by XXXX that the ticket number was XXXX. But today, I was contacted by PayPal through email that my account was going to be debited for the amount of {$220.00} anyway. I have no idea what is going on, nor do I know how/when/if the case was going to be found in my favor. This is incredibly frustrating. I've been a customer of PayPal 's for at least 10 years and have never had this kind of problem. I just want my money back and be able to move on from this. The fact that this has lasted more than a year is XXXX, in my opinion. | ||||||
| 12/11/2015 | Yes |
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| I am writing today to file a complaint against PayPal Credit. I believe their practices to be deceptive and fraudulent, having wrongfully charged me late fees and interest charges over a 10 month period. On XXXX/XXXX/XXXX I made a purchase of {$670.00} with my PayPal Credit ( PPC ) acct. My billing cycle date was set as the XXXX of each month, and a payment due date XX/XX/XXXX. On XXXX/XXXX/XXXX I made my first payment of {$66.00} towards the balance, and set up a a further 9 mos. automatic payments to post on the XXXX of each month, with the final XXXX on XXXX/XXXX/XXXX. For each month from XXXX XXXX to XXXX XXXX I received XXXX emails from PPC ; the first making me aware of an upcoming payment, and the second to let me know it had been received. On XXXX/XXXX/XXXX I received an email titled 'Time Sensitive PPC acct information ' which informed me that I missed an acct payment. Logging into my acct I was shocked to see an acct. balance of {$340.00}. For each month I had been made payments I had also been charged a late fee and interest which accted for the balance. Surprised, I called PayPal ( PP ) and was told that because my payments were received between my due date ( XX/XX/XXXX ) and my cycle date ( XX/XX/XXXX ) their system was not sure which month to apply the payment to, which was 'Probably ' the reason for the fees. The service rep. offered to refund XXXX months fee for my 'good faith payments ' but for anything more I 'd have to write a letter to their investigations dept. explaining my case. This was made more shocking by the fact that prior to XX/XX/XXXX. I had NEVER been able to log in to my acct. page, and save for a single statement email I received on XXXX/XXXX/XXXX I was NEVER able to see my acct balance. ( I believe the only reason I received this lone email is b/c after submitting several help requests to PP I was prompted to change my acct password on XXXX/XXXX/XXXX ) In PP the only link to anything resembling a credit page was a 'Bill Me Later ' link, that when clicked would link to a page informing you that that Bill Me Later ( BML ) was now PPC XXXX along with a link to my PPC page, which looped back to my main PP acct page. This happened no matter how I tried to access the acct - whether it was through links in the monthly payment emails, going directly to paypalcredit.com, or billmelater.com - they all sent me through the same loop between PP and BML, and never to an acct. page where I could see acct. statements. Even the lone statement email I received on XXXX/XXXX/XXXX had a link included that was titled 'Bill Me Later ' bringing me to the same loop. To this day, when I try and access my acct page I still get this loop! The ONLY time I was able to access my acct. page was when I was informed of a missed payment in XX/XX/XXXX, and they were asking for more money. 2 wks after sending the letter re : my case I received a msg telling me my case had been resolved and that I would see a refund, if any in my acct. A wk later I called and was told by an agent told that they found I was not owed a refund. Pressed as to why I was told that b/c my payments were made btwn my due date and cycle date they WOULD count towards my balance, but they would NOT count towards a due date - neither the month the payment was made in, or the previous month they claim I was 'late ' to paying. Confused, I asked if that effectively meant there were 5-6 days of every month that I could not make a payment and have it count towards my due date, to which he replied YES, and that I should know, because that is how all credit accts the world over work! Furthermore, he told me it was my responsibility to check my statement every month, and that I should have received statement emails every month. Pressed further he offered to run an 'email check ' to make sure all of the emails were in fact sent, and received. Lo-and-behold that report came back saying I had in fact received all of those emails, and for that reason they could not refund my fees. | ||||||
| 01/13/2023 | Yes |
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| Was purchasing items from a website that had PayPal payment option. I used the PayPal option to add an additional layer of security/protection to my purchase since I did not know the merchant and had never conducted business with them. When I clicked on the PayPal button within the merchants website to pay for my items which totaled {$130.00}, the merchants website directed me to PayPal to continue the purchase, nothing out of the ordinary there. However, when I clicked " confirm payment '' to finalize my payment through PayPal, the PayPal system did not automatically redirect me to the merchant/seller to finalize the transaction within their website, that's when I realized something was wrong. I immediately tried to reach out to the merchant via PayPal messenger and received a notice that I was unable to message the seller ( XXXX XXXX ). I then reached out to PayPal to dispute the transaction as " unauthorized '' since the seller/merchant failed to perform their duties regarding the transaction by providing the final order confirmation and or order details for my purchases. When I filed my dispute with PayPal, it was immediately denied as an " unauthorized transaction '' because it was labelled within PayPal 's system as a " personal '' ( friends/family ) payment transaction. I protested and provided very detailed information regarding the fact that this was not a personal transaction and was in-fact started via the merchant/seller from their website. In addition, I pointed out to PayPal, that based on the mere fact that the " seller '' business account breached their most recent 'User Agreement ' terms dated XX/XX/XXXX, that was indication that something was wrong with the sellers PayPal account set up and or PayPal XXXX system. According to PayPal 's most current user agreement, business accounts ( such as the seller 's XXXX XXXX account ) are not permitted to receive " personal '' payments using their seller account profile. In addition, I pointed out that the seller 's account was able change the type of type of transaction I was making from a business transaction to a personal transaction within PayPal 's system. PayPal has failed to provide updates on how this user was able to bypass the site security protocols requiring merchants to provide an invoice with a tangible goods purchase as well as an order number or accept a payment as a " personal '' payment using a business account. PayPal continues to use the excuse of a " personal transaction '' to say there is nothing they could do about it except reach out to the seller ( XXXX XXXX ) and advise me to contact my financial institution for a refund. Since my interaction with PayPal and the merchant on XX/XX/XXXX, the merchant has removed their entire shopping site ( XXXX XXXX XXXXXXXX ) from the internet, which was pointed out to PayPal on XX/XX/XXXX XXXX this is further evidence of a " fraud/scam '' in which PayPal allowed by not having the proper security measures in place for online business transactions. PayPal business model is that they " leverage technology to make financial services and commerce more convenient, affordable, and secure ''. They failed at performing the most important aspect of this model and that was security of my transaction within their platform while interacting with a online business. Honestly I believe the latest changes they made to their platform allowed this " bait & switch '' scam site to operate successfully without notice. I requested that PayPal perform a IT Systems root cause investigation / forensic analysis of my transaction to understand how their system failed as I believe there is something wrong with their algorithm/programming that allowed this. I have been using PayPal for more than a decade and have never seen this level of system failure nor complacency regarding something so serious as a breach of their security protocols taken so lightly and it truly concerns me that they are seemingly okay with exposing consumers to this level of fraud. | ||||||
| 08/17/2020 | Yes |
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| In XXXX we had 2 large ACH withdraws out of our XXXX business account totaling about {$11000.00}. We WERE able to go INTO the branch and file a fraud complaint resulting in getting our funds put back into our account. I had most of our money in our new savings account which is an account we do NOT typically have activity in because it just sits holding money. I more closely monitor our checking account because that one has activity in it. I did not notice the {$2.00} ACH from our savings XX/XX/XXXX then in XXXX {$2.00} XXXX and {$2.00} XX/XX/XXXX XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$9.00} At first I glanced at these smaller amounts because so minute I thought dividends and it did not register. Then on XX/XX/XXXX as the country was facing a pandemic and things were shutting down larger amounts started coming out. I was like most people dealing with job loss, children having to learn online education to keep up with schooling. My husband was trying to retain the clients he had by offering free services so that they might return when businesses opened up again. Not normal circumstances for anyone. All of these transactions were from PayPal. I was receiving emails from PayPal however they were telling me that my account was temporarily on hold, that I needed to respond back to verify it was me. I never completed the action steps they were asking me to do. I did however check my PayPal acct and there has not been activity in over a year. I called PayPal they said they would contact me through my acct. As we sat struggling through quarantine, the hackers successfully removed {$7400.00} from my savings in 10 transactions between XX/XX/XXXX and XX/XX/XXXX all labeled PayPay ACH transactions. I was notified that I reached the withdrawal limit that's when I noticed the activity and filed with XXXX fraud that moment. Because they were so helpful the first time this happened I had no doubt that they would see this fraudulent activity and we would see our money again. I understand that this is spread over a period of time. What they need to understand is the situation itself. This is an account that we let sit we did not check on it as often as we should. The actual time frame with the most money stolen was during a worldwide pandemic which everyone 's focus was all over. The vendor name on the ACH transfers was one we are familiar seeing because we use Pay Pal however this is not actually PayPal. Even that did not put up a red flag at first glance. There is information I found when looking at regulation E which was written back in the 70 's when we did not use online banking like we do now. Perhaps that should be updated. Apparently there is only a 60 day window from the first transaction which there was only one XX/XX/XXXX for {$2.00} then nothing until XX/XX/XXXX so nothing else is even considered even though it is straight up theft any way you look at it. I do take responsibility for being in a terrible situation along with the entire world, country, and state and I do wish I would have caught this. If it was in the checking which we use daily it would have been caught ASAP, first attempt. I filed a complaint and heard from chase. They claimed to be advocating on our behalf with PayPal. They claim that if they can not get PayPal to anything we were XXXX. XXXX returned the two most recent transactions. Although the claim was made XX/XX/XXXX I stated that any PayPal transaction were not authorized and fraudulent. They go back to the first {$2.00} XX/XX/XXXX and 60 days after but there was nothing until XX/XX/XXXX We were cheated out of our money under PayPal and through XXXX. We would really appreciate someone taking notice of this and helping us get our money back. We are in the same boat as everyone else during this pandemic and are not willing to have {$7400.00} stolen from us. I have all correspondence if I need to provide it. Thank You XXXX XXXX XX/XX/XXXX | ||||||
| 03/14/2021 | Yes |
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| I have had major issues with working with Venmo to resolve disputes. I was victim to a lot of fraud, and in the case of the Venmo service, I found out the person I was living with was accessing my Venmo account through my phone and sending my money to his friends and family. I was not aware of these transactions for a while and I was dealing with other major issues relating to my finances ( opening a car under my name, credit card fraud transactions which took precedent because it could/was ruining my credit ). I also didnt have Venmo very long and rarely used it so it was one of the last places I looked. I contacted Venmo about it and they made me fill out the transaction, reason etc. which I provided to them. What happened was basically nothing. Through probably 50 email exchanges ( many just remained unanswered ) they did absolutely nothing. They first told me that it was too long and because they were unlikely to collect the money they wouldnt do anything about it. They then pawned it off and said it was something I needed to take up with my bank because it was coming out of my checking, which, after going down that road, I have learned is incorrect because it was fraud on the Venmo account balances. I had to let it go for personal reasons but have taken up the issue again with them. Once again they do not respond at all. A fraudulent transaction is a fraudulent transaction regardless of when it happened or whether Venmo can collect. Venmo has all of the power here. They can freeze the account in question, follow-up on the validity of the payments and do an actual investigation of transaction. If they did this, it would be easy to determine it was fraudulent and either pull money from the account if it exists do any number of things these companies do when fraudulent activities occurred. As the victim of fraud, I cant really do anything. I requested the money back but of course they are not going to pay it back, there is no consequences to keeping it. The transactions are simple. My account was accessed and the money was sent to his friends and family in Oklahoma ( I live in Colorado ), all people I have never met before. When I was trying to resolve this with Venmo the first time around, I additionally was very concerned because there was a credit card on there that I did not add and was not in my name. I still dont know what this card is. I asked Venmo how is it possible that this guy could add a credit card to my account if it is not in my name. I did not have access to see what the card even was because it was removed from my account. So I asked Venmo and they couldnt see who the card was or anything. How can they possibly not be able to tell this. This is very concerning as I have no clue why this guy would put a card on my account and use my Venmo account to send money to people. And if it was a card that wasnt in my name, he shouldnt have been able to add it to my account. He has a Venmo account of his own. There are so many red flags and concerns and the Venmo help/support team literally does nothing. With the card added above, maybe it was a card opened in my name? He opened another credit card in my name that is not this one. But without the stopgaps to prevent fraud like this, Venmo absolutely should take some responsibility. It is very concerning. The fact that they dont even do an investigation on the funds because they cant likely collect is just unethical business practice. My next step is going to have to be to go to small claims with Venmo. But of course they are backed by a hundred different banks and it makes it really hard to figure out especially because their team refuses to answer any questions. My experience has been it isn't until the legal team is aware of the situations is anything done because they do and understand the actual exposure If they arent concerned and do not actually resolve fraudulent transactions, they should not advertise it on their website as a service they provide. | ||||||
| 05/17/2020 | Yes |
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| I own a 3 unit apartment building, which I purchased in XXXX. One of the tenants I inherited with the purchase had been paying her rent via Paypal. She paid her XXXX, XXXX rent to me via PayPal on XX/XX/XXXX. Her XXXX payment via Paypal was reversed due to insufficient funds -- for which PayPal charged ME {$20.00} -- which seems ludicrous, but that is not my primary complaint. Further, this tenant has not paid XXXX or XXXX rent. However, why / how can Paypal charge me a fee for insufficient funds on behalf of someone paying me from their Paypal account ; it's PayPal 's job to ensure the funds are there, not mine! On XX/XX/XXXX, I received a notice from Paypal that her XX/XX/XXXX payment was being investigated as unauthorized. The tenant claims she didn't initiate this action, but regardless, it should not matter. I provided a copy of the lease with the tenant to Paypal, proving that the funds were in fact due. The lease is in the name of the previous owner, so I also offered to provide documentation confirming our purchase of the building, which PayPal didn't respond to. Without any further explanation, Paypal reversed the transaction today, indicating that they've determined the purchase was unauthorized. Not only was this not fraud, but this is well outside of the 60 day window a bank has to reverse an unauthorized ACH payment. I would initiate a claim against her bank, but have no way to know who her bank is. Here is the original note from Paypal from XX/XX/XXXX : Dear XXXX XXXX, We are writing to let you know one of your buyers opened a case for this transaction. The buyer stated that they did not authorize this purchase. Here are the case details : Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$1200.00} USD Disputed amount : {$1200.00} USD At this time we need no further action or information from you. Thank you for your patience during this process. We appreciate your business. If this is a digital goods transaction, please provide the download date and time for the associated purchase through the Resolution Center to help us dispute your case. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our Business Resource Center. After you log in to your PayPal account, click Tools, and then click Business Resource Center under " Grow your business. '' Sincerely, PayPal Here is there message from today : Hello XXXX XXXX, As previously communicated, your buyer opened a dispute for the following reason : The buyer stated that they did not authorize this purchase. Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$1200.00} USD Disputed amount : {$1200.00} USD {$1200.00} USD has now been debited from your PayPal account for the following reason ( s ) : Other. In addition, a chargeback fee of {$20.00} USD has been debited from your PayPal account. We understand that you may not have been expecting this chargeback. If this debit has caused your PayPal account balance to go negative, please log in to your account and add money to your balance. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our Business Resource Center. Thanks, PayPal I have many tenants not paying rent due to Covid ; for Paypal to take away valid payments from 3 months ago is something I can not accept -- financially or morally. This is an outrage. Someone PayPal ( and Venmo, which of course they own XXXX seem to think they can operate above the banking reg 's ; please help me show them that's not true. Thank you for your help with this matter. XXXX XXXX XXXX XXXX XXXX | ||||||
| 11/10/2019 | Yes |
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| This all occurred on the evening of XX/XX/2019. I have various financial accounts linked through PayPal including two credit/debit cards, my checking account, and PayPal credit. I have repeatedly attempted to use my PayPal account to pay for merchandise through an online retailer, XXXX, and PayPal has refused to make the payment each time that I have attempted to do so. I have tried to make payment using my checking account linked to PayPal, my debit card linked to PayPal, and PayPal credit. My checking account has more than sufficient funds in it for the payment and I have more than enough available credit on my PayPal credit account for the payment. I contacted both my financial institution, XXXX XXXX XXXX XXXX, and the issuer for PayPal credit, XXXX XXXX, and both told me that there were no restrictions, limitations, or holds on my account to prevent payment. After XXXX XXXX told me everything was okay, the representative asked me to wait while he contacted PayPal to determine the problem. However, he did not return to the call and I was transferred to PayPal " security. '' I informed PayPal security of the issue and it confirmed that it was blocking my payment to XXXX for risk and security reasons. When I asked what that meant and for further information, the representative refused to give me any additional information. I affirmed to the representative that I was indeed attempting to make a purchase at the XXXX website and she did not care and told me that any future attempt would also be refused. When I questioned why PayPal was denying payment through my own checking account, she refused to answer and just restated that the block was done for security reasons. It is unbelievable to me that PayPal offers it services as a means of making payment to websites and then refuses to facilitate the very payments it offers to make and outright denies them for no reason. Even after PayPal was contacted by telephone and I provided all the necessary information to verify my identity, account, and the fact that I was making a purchase at XXXX, PayPal continued to refuse to make the payment and denied it for all future attempts as well. There is no security risk associated with my attempted purchase and PayPal has not only interfered with my attempted use of my own funds from my checking account but it has completely prevented me from making the purchase using my own funds. It has also reneged on its offer of credit through PayPal credit as I had more than sufficient credit available to make the purchase but it simply refused to permit the purchase to be made using PayPal credit. My PayPal credit account is in good standing and always has been. There is no reason for it not to permit the purchase. After encountering this problem, I went to the PayPal website and to its users forum section for PayPal credit. I was surprised to see that hundreds of other members of PayPal have had the exact same problem and received absolutely no assistance from PayPal when they informed it of the issue and sought a remedy. PayPal is a scam and engaged in fraud. It can not hold itself out to be a processor of online payments and then refuse to make those payments for no reason when requested. It is also misrepresenting the nature of its credit business when since it never advises a consumer at any time that it will selectively and unilaterally determine to deny the use of available credit for no reason whatsoever. I can not imagine any other regulated financial institution being able to get away with the arbitrary and capricious business practices that PayPal is engaged in. It is unconscionable to think that XXXX XXXX, XXXX XXXX XXXX, or any other financial institution could do what PayPal does and not be held accountable by regulatory agencies. It should be noted that I previously used PayPal credit to make purchases online without issue just a few days prior to this and have also been able to make a payment to it without issue just a few days ago. | ||||||
| 03/30/2020 | Yes |
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| I opened an account with Paypal in XXXX that I used with XXXX after a few months my XXXX account was stolen and and being used by unauthorized hackers or thieves who stole my bank accounts and email addresses and identity and I could not log into them any longer. I closed the account with PayPal and XXXX or thought I did only to find out 6 months later that the account was used to sell over a XXXX dollars in merchandise. 6 years later in XXXX I received a bill from the IRS saying that I owed them {>= $1,000,000} that PayPal had recently reported.as income to me. 6 Years later this was reported to the IRS. I have contacted the IRS about the theft of my account and Identity as ell as the XXXX Police Department, Federal Trade Commission , Banking Commission, Federal Reserve and others. The FTC contacted me in XXXX of XXXX reporting that my identity and all of my information was stolen in an XXXX XXXX XXXX and had been used to do things just like I am reporting to you. I have not ever been able to use XXXX or sell on line ever again because PayPal would never let me open an account. I say this because I did try to open an account and was refused. PayPal ruined my business and refused to let me do business with them do to the actions of on line crooks holding me responsible for others actions putting me on the defense. Over the past years I have had multiple accounts opened in my name and used to get money via paypal that I did not open or was not associated with used by sophisticated means and unauthorized by me. I have had dozens of bank accounts, debit cards, checking accounts, and credit cards stolen online and used with PayPal and received emails after the damage was done money stolen from my accounts which I had to close and then an email from PayPal saying they didn't want to do business with me anymore? I would constantly receive emails from paypal to multiple email addresses containing messages about an account opening or closing or that they didn't want to do business withm e anymore. This has gone for years. I would contact PayPal to find out about the accounts sending emails and messages and phone calls only to never get any information other than I owed them money for something I had no idea about. I recently opened an XXXX account trying to do business again after years. I have sold over 150 items all delivered positive feed back given and a few days ago XXXX even upped my selling limit to {$15000.00} a month because I was an outstanding seller above standard. I am working at home due to the national disaster. I logged into my XXXX account this morning after working 18 hours ad day this weekend taking pictures and setting up auctions for merchandise to sell only to find that I could not accepy PayPal anymore. I logged into my only PayPal account to find a letter saying they didn't want to do business with me any longer with no other reason no way to respond and that's it. They have crippled my life and are responsible for multiple accounts being opened as well as a bill to the IRS for {>= $1,000,000}. I called them this morning asking what I was supposed to about my auctions and time spent and to see that I have been an exemplary customer and really need to use them because there is no other way to accept money on XXXX and all the time spent setting up sales and was told to try XXXX XXXX? I want this resolved once and for all. If they assume I have done all that I have not then let them watch my account and keep it on a probationary period that will reflect that I am not the person they assume I am and not cripple me any worse than they have. I really don't know any other way to report this as I have been trying for years to get a respnse from PayPal about this as well as writing letters to XXXX XXXX XXXX XXXX in XXXX XXXX to there legal team to never get a response. Please help me with this as I am only one person trying to make it during these difficult times working from my home. I have also received Thanks | ||||||
| 03/15/2018 | Yes |
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| Good evening. As a concerned business owner, I'm reaching out in regards to a recent PayPal financial restriction. I kindly ask that this manner is looked into. We have over {$11000.00} in hold and are able to explain the situation more thoroughly. Attached will be a copy of the email we sent to PayPal ( around 30 different emails they have publicly listed ) as well as making several phone calls with little to no yield. We were told we'd have to wait up to 180 days before we could receive our funds or make any withdraws to our bank. We have an established history with them and have used them as our primary resource for funding and business income management. After constant attempts to restore the account, they've referenced us to the following legal team : XXXX XXXX XXXX XXXX - XXXX XXXX, California XXXX / but provided no email or phone number to contact a representative. I ask kindly that you make an attempt to contact them and help us out if you can! Thank you so much. " Good evening, I'm reaching out to you regarding our Verified Merchant PayPal account : -account name- -personal name- We are a new, but thriving small business that has been using PayPal since early XXXX . After receiving our third merchant review ( apparently conducted due to volume increases ), the team decided to close our account with seemingly no communication. We have provided all proper information and offered detailed information regarding our business model, expected XXXX, delivery, and so on. We currently have over {$11000.00} in reserves on the account as agreed to between myself and PayPal. However, it's worth noting that if PayPal has decided to part ways with us, we believe this reserve should be lifted and credited to our Bank Account / and or have the account re-opened for day to day operational use. The income withheld is necessary working capitol to help maintain the structure of our business. We're very transparent with whom our main suppliers are, and now with not having access to our PayPal account, necessary vendors such as AM Shipping and other long-standing customer relationships we have on the platform are being affected. Inadvertently, our XXXX platform that we have 100 % positive feedback on is being affected by this attempted closure as well. We've processed over {$200000.00} in transactions with our customers and suppliers, with consistent 5 star reviews on platforms such as XXXX and have collected tons of customer reviews on our own personal site. I truly believe the account was closed wrongfully and wish to regain access to the account for managing and making purchases with our suppliers and vendors. I ask kindly that you look into this manner and re-open the account for : -account name- / and or lift the reserve on the funds. We use this platform as a main hub for financial management and for paying out our vendors, suppliers, and resolving potential customer disputes. Please also keep in mind, we do NOT have a distinguished poor reputation with PayPal and have maintained standards within the user agreement and make continued efforts to take preventative measures in our business to prevent chargebacks, refunds, and other customer disputes. Please make efforts to sustain and open the account before we have to take efforts to contact our State Representatives regarding the funds and account in question. I look forward to working with PayPal in the future as well and re-integrating our account back to being one of our main sales platforms. Thank you for your time and efforts in restring our account! We were told by representatives to escalate this matter up higher based on our situation. The hold on our funds began on XX/XX/XXXX and the follow up calls and emails were addressed on XX/XX/XXXX. PayPal has responded with a generic written message and stated the {$11000.00} are being held for 180 days and the account closure will be " permanent '' / PayPal has repeatedly closed and opened the account. Company - PayPal | ||||||
| 11/03/2021 | Yes |
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| On XX/XX/XXXX, I made an offer for a trading card on the " XXXX '' app for {$500.00}. On XX/XX/XXXX, I got a reply from the seller, XXXX XXXX. He cancelled the OfferUp purchase and insisted I instead make the payment to his brother, XXXX XXXX, through XXXX XXXX since it's " easier ''. So, on XX/XX/XXXX ( that same day ), I made contact with XXXX XXXX on XXXX XXXX. On XX/XX/XXXX, I sent a payment of {$480.00} to XXXX XXXX through XXXX XXXX via the PayPal option. I selected my XXXX XXXX checking account as the PayPal payment method. When I chose the PayPal option for payment in the XXXX XXXX app, I was never warned that the transaction would be a " Friends and Family '' PayPal purchase, which I would never have intentionally used for this transaction, as I've been scammed through that by strangers in the past. Additionally, when you read XXXX 's Payment Terms and Policies for XXXX XXXX ( XXXX ) transactions, it does not say that PayPal purchases are done through the " Friends & Family '' option. The terms also say that XXXX transactions are not meant for commercial transactions. I consider this transaction to be a commercial transaction, especially since the communication and sale originated in " XXXX '', a marketplace app. Therefore I believe this transaction should be nullified according to XXXX 's terms. After I made the payment on XX/XX/XXXX, the seller, XXXX XXXX, replied the next day, XX/XX/XXXX, and promised to ship the product that Friday ( XX/XX/XXXX ). I sent replies on XX/XX/XXXX, XXXX, XXXX, and XXXX, asking XXXX XXXX for a status update, with no reply. During this waiting game, I also repeatedly contacted the original OfferUp seller, his brother XXXX XXXX, asking him to nudge his brother XXXX XXXX in sending me the trading card. After repeated contact with XXXX XXXX, he eventually blocked me on XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I opened a dispute with my bank, XXXX XXXX. On XX/XX/XXXX I had not yet heard a response, so I called XXXX XXXX to follow up on the dispute. They told me my dispute was denied because they could not get the money from the vendor ( PayPal ). On or around XX/XX/XXXX, I received the paper notice in the mail from XXXX XXXX that my dispute had been denied ( time-stamped XX/XX/XXXX ). On XX/XX/XXXX ( the same day XXXX XXXX let me know of my dispute 's denial ), I opened a dispute with PayPal. However, the only dispute option that I could select was to claim an " unauthorized transaction ''. I went ahead and selected this option since it was the only XXXX available, but told them in my description of the issue that I was in fact scammed. On that same day ( XX/XX/XXXX ), PayPal swiftly and predictably denied my claim of " unauthorized activity ''. I found it unfair that I could not select a different dispute option ( other than " unauthorized transaction '' ) to accurately reflect the scam that I fell victim to. I also found it unfair that I had never been provided a clear warning that I was using PayPal Friends & Family in XXXX XXXX. Once again, if I had received clear warnings or prompts that the PayPal transaction in XXXX XXXX was going through PayPal XXXX XXXX XXXX, I would not have followed through with the payment using XXXX XXXX 's PayPal option. On XX/XX/XXXX, I contacted XXXX XXXX support through a link in PayPal, in order to file a request for a refund. They automatically denied the request. On XX/XX/XXXX, I also opened a XXXX XXXX chat with " Messenger Payments Support ''. Their automated system also automatically denied any cancellations or refunds. I had originally deliberately chosen the PayPal payment option *instead of* one of my bank credit cards, because I trusted PayPal to be safer in seamlessly providing me a refund, should something go wrong with the transaction. Instead, ironically, it felt that that might've been the exact wrong decision. I hope you can understand how I feel mistreated and duped, and hope you can extend some compassion. | ||||||
| 03/03/2022 | Yes |
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| I opened a PayPal account and once XXXX issued me my Social Security Card I uploaded the documents needed to verify my account, after over a week of it still not being verified, I contacted PayPal, on XX/XX/XXXX they verified my account however they were still telling me that I needed to verify my account to get a cash card for my account, I called them again and I was told the system had to reset and give it a few days and it would be fine. I called back on the XXXX, multiple times, again I was told by several people that they verified my account and it was good to go but as soon as they would foward me to card services again it would be unverified. Again, they lied and said it was fixed and said I needed to apply online and they would send me the info to apply because they would no longer do it over the phone, again the PayPal site said that I needed to verify my account and I called back, rinse and repeat the same conversations all over again, again I was told to give it a day and it would be fine. During that day I received XXXX emails telling me my account was verified. On XX/XX/XXXX I called again, and again multiple times, I was repeatedly told the same thing only this time they said the issue was my SSN wasn't signed and I didn't show all four corners of my ID or proof of address, despite previously verifying my documents were fine, and my ID did show all four corners. I reuploaded my signed SSN and proof of address, they again verified my account, I repeatedly made them stay on the phone while I applied for a cash card to prove the issue had not been resolved, each time they would continue to lie and say it was despite my realtime seeing it had not been resolved. I asked them which oversight agency oversees PayPal so I can make a complaint, several employes told me that they are not allowed to tell me that information and I have to submit internal complaints, I told them this wasn't good enough, I have been dealing with them for days and have spoke to the backend and supervisors and the issues were never resolved and they kept lying, I wanted to know which oversight agency they fell under to lodge a complaint, again I was told they were not allowed to tell me who I can complain to or give any information about outside protection agencies they fall under. I told them that this seems illegal, if I had an issue with a bank or any other company, they would direct me to the complaints process whether it be FTC, CFPB, etc and would not try to prevent customers from lodging complaints against the company. They are purposefully misleading customers trying to prevent them from complaining to federal oversight agencies. Prior to this call being completed I was once again told the issue was fixed, to apply online, I once again tried to apply while on the phone still and got the same response, my identify needs to be verified, I was told it was inaccurate and I needed to wait an hour to do it and it would be fine, I tried again at the XXXX mark, XXXX, several hours later and this morning ( XX/XX/2022 ) and am still told I need to verify my identity. I have called back, they have told me my identify needs to be verified and that they needed proof of my full SSN, which they have two copies of, I asked to speak to a supervisor and have been placed on hold and repeatedly told that supervisors are too busy to take my call. They have been given my ID twice now and refuse to fix the issue while continuing to lie saying that they have, since they have told me each time that the calls are reordered there is an extensive record of what has been said in these calls and records of the repeated lies, deceptions, and unwillingness to provide info for complaints to government agencies that oversee these issues. I had to locate and call CFPB on my own and ask if it was the agency I complain to and was told that it is. As you will also see in the proof so far today my account has been verified twice accourding to PayPal emails. | ||||||
| 02/24/2021 | Yes |
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| To whom it may concern, I have had a PayPal plus account for a couple of years. Recently, an account limitation was placed on my account early Sunday morning of the XXXX of XXXX. All I received was an email informing me of this. I will attach the notice as well as the balance in my checkings and savings. The reasoning is vague. So all Sunday I was not able to use my debit card to purchase groceries or pay my bills that are due this week. I had to wait until Monday the 22nd to reach customer services during operating hours. However, reaching customer service was of little use. I was stone walled. They read me out the same exact reasoning which was unspecific and insulting to my intelligence, quite frankly. I pressed on as to why this occurred, what possible problem was found that resulted in me not having the right to access my funds for 180 days. All I was told was that they couldn't risk they're systems ' security and that was why it was place in account limitation. In case any disputes or charge backs would occur, they require that my balance stay in my account so that they would not be having to pay for those imaginary charge backs. I pleaded for options as to what I could do to resolve this and regain access to my funds. I was given none. I offered to provide scanned documentation of my drivers license and SSN card along with paystubs, to prove my identity because I was made aware that was the possible issue of all this. The rep agreed but would not guarantee that it would resolve the issue. I had it done at XXXX XXXX that night. And Tuesday the 22nd. I called in at XXXX, on the phone for 2 hours and 38 minutes. A customer service rep gave me the same monotone careless reasoning as to why the action occurred. She was reluctant but forwarded me over and I spoke with XXXX, System Security Supervisor, who also gave me the same exact response. No specific reasoning. Completely unwarranted. She argued with me, brushing off my pleads for access to my funds. I was getting stone-walled here again, but I wasn't taking no for an answer. I kept asking to be forwarded to someone who can resolve my issue and after tirelessly being told " that won't happen, no one else can help you ''. She put me on a 24 minute hold, and then I reached XXXX, Supervisor of Fraud and Investigations department at PayPal. She stated that she does want to help and forwarded my case for review back to the same department that initiated the account lockdown in the first place. I was told that they monitor peoples ' accounts 2 4/7. But still was not told as to why this took action. The review will take 3 to 5 business days, and still was not guaranteed that I would be able to have access to my funds. I demanded to be forwarded to that department and have my case escalated and reviewed, today. I don't believe I should have to wait another day to be able to have access to use my funds. Ultimately, I was hung up on and now I am left to hope this is reversed. I've also attached a message stating the process I could go through to resolve this online, but I go through the steps they show and the page is empty. They left me high and dry on ever being able to resolve this. Bottom line, this is ridiculous and tremendously insulting. My wife is XXXX with our XXXX XXXX. I am currently the only one working, while she is currently XXXX XXXX. I am the one that is depended on to buy the food and pay the bills. All my money is in this account, I have no cash saved outside of this. I told XXXX that and she said " I'm sure you and your wife will be fine ''. Aside from XXXX, none of the reps I spoke with had a smidge of humanity nor compassion in their voices. I kept being told " I understand, sir ''. They don't, we are left broke until my pay date next month in XXXX. I will default on my bills. I got ta borrow money from friends now, during a pandemic, when they need it for they're families. Please help. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX | ||||||
| 07/18/2017 | Yes |
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| On XX/XX/XXXX , Paypal Holdings Inc. blocked my account without my consent. Specifying that there is a suspicious activity happening to my account and that they need to put a hold on it in order to investigate it and for that they required my IDs and other supporting details. I would like to specify that there were no complaints or claims from anyone. And that there was no activity observed on my part as in and if my account was violated or compromised in any sense. They continued to give no plausible response and that I can not access my funds. Upon my agitation I told them that I will file a complaint against Paypal with CFPB because they are holding my funds without my due authorization. There is no claim against me and I am stating that my account has not been violated. Upon this their supervisor got angry and said that she is going to block my account forever. I told her that she is abusing her position and professional authority. Although she had no authorization from my part to confiscate these funds. The following day upon my inquiry they reluctantly told me that I can not access my funds and that they have blocked my account. I asked for details and the clauses based on which they have done so but they refused to disclose any such information. Additionally, they told me that I will be able to withdraw these funds by XX/XX/XXXX through adding my credit card details and order a check on the said address. On XX/XX/XXXX I tried to access my account online at the Paypal site and it asked me to add my credit card. Reading their bad reputation online, I was hesitant to add my credit card but continued to resolve the scenario. Their automated system said that it can not process my request right now but I should try it later. On XX/XX/XXXX I tried adding my credit card again but the system asked me to call customer service. Upon my call they gave me a totally new story- which made lesser sense than their former accusation. They said that the funds are available but I can not withdraw it till XX/XX/XXXX . This is an unfair business practice and an outright violation of consumer finance rights. I am unaware and unsure as to why CFPB is letting such a coercive Finance Company to operate in an open market. They dont seem to care at all of their compliance to XX/XX/XXXX regulatory policies and act as if they are above the law. Just because it is a Holdings company doesnt technically mean they can withhold their customers finances without their accord for extended limits. First off, they had no reason to block my account and discontinue my services. Additionally they are sitting on my funds- and accruing interests and profits on it without accountability. They are using ulterior and outrageous advantage of being an online entity. Being online may mean that there are less legislations and regulatory control than actual finance entities but that doesnt or shouldnt mean they exploit their position and subject the consumer to illegal and unfair business practices. Being an online finance entity they also enjoy the unsupervised privilege to cater offshore personal and corporate accounts and we can only dare to fathom what they would be doing outside US despite the strict regulatory laws here. My total amount that they are withholding without my permission or any due discrepancy is {$1000.00} I fail to understand how long can they continue to tarnish the consumer quality standards with regards and how long can consumers keep on suffering their rowdy and random operational decor. They seem to capitalize on the inaccuracy of their automated system. They blame on it and tend to enjoy profits out of its shortcomings and errors. Please keep a check on their highly unpopular corporate image. This may be another bubble ready to burst like XXXX XXXX in XXXX . Keep in mind today majority of capital in the world is in digital format and they can very well be a contributor to the next economic contingency. | ||||||
| 08/16/2020 | Yes |
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| On XX/XX/XXXX I found a deal on an espresso machine when searching via XXXX at a website called XXXX. Without thinking about the merchant, I proceeded to purchase, based on the link from XXXX and the site 's checkout via PayPal. I paid for the purchase with a credit card. After completing the purchase, I received two emails - one a quick summary of the transaction and a second saying the transaction was on hold until payment was confirmed. I thought that was puzzling, given that PayPal makes the payment instantly. I sent a response to XXXX two the email address on their website and got a bounce back message. I then went to the website and saw a phone number which I called and it went directly to a generic voicemail box. I finally looked at the address on the site and found it was a XXXX. I felt I was scammed. I immediately sent a message to PayPal. I thought they would help me reverse the charge. I also submitted a dispute, but did not see a reasonable category for the dispute, so I listed 'Other ' ( Case # XXXX ). Despite attempts to message with PayPal and call them, I only received precanned responses hours after I sent the inquiry, and was unable to speak to a phone rep. After a few days on XX/XX/XXXX, I received notice that PayPal denied the dispute saying my " After having reviewed all the details, and based on the information we have to date, we have to deny your case. This decision was made because your billing dispute doesn't match our qualification for a billing dispute. ". I responded asking how they could possibly say that, they reopened the case. On XX/XX/XXXX the 'seller ' sent a XXXX tracking number via PayPal for a package that was delivered that day. Unfortunately, after speaking with XXXX, I was informed the package was not sent to me, nor to my address, nor was it of a weight that matched the item I ordered. It was a XXXX tracking number for a package sent to someone in XXXX XXXX, NY where I live however. I shared this evidence with PayPal again via chat. PayPal again denied the dispute for the same reason on XX/XX/XXXX. Once again, I attempted to state my case and find out how they could deny without speaking to the seller and/or reviewing the claim in any form of detail. One of the reps then told me I needed to change the case type from 'Other ' to 'I never received the item '. I attempted to do that, and in that process apparently cancelled the original case. Needless to say, I had no idea that I could not resubmit the new claim with the appropriate reason code, and PayPal was so slow to respond that I got overzealous. PayPal has since informed me that since I cancelled the case, its proof that I was able to reach a resolution with the seller. I have disputed the transaction with my credit card company and they've informed me that this sort of thing happens far more often than PayPal would like to admit. To be honest having spent my entire career in financial services and particular payments, I was shocked to see that PayPal seemed to have no controls in place to review the seller 's site, particularly after I shared all the issues I posed, nor did they feel it necessary to follow up with XXXX or the seller directly. It seems dangerous to allow them to accept merchant payments on behalf of new sellers who they may not be vetting, if they have no protections in place for consumers. In hindsight, I was XXXX for clicking the buy button, and I clearly was annoyed and frustrated by the PayPal process and lack of human interaction which caused me to cancel the case which had been denied twice. Needless to say, I am hoping PayPal is made aware of their error in this case and helps prevent others from falling for their fraudulent trap and having to deal with such a painful process to recoup their funds from a fraudulent merchant. I've attached the messages from the merchant, as well as the transcripts with PayPal and the two denial emails from PayPal for reference. | ||||||
| 01/12/2021 | Yes |
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| In late XXXX, I joined XXXX ( XXXX ) to sell personal possessions. XXXX compels one to use Paypal ( PP ) for all transactions. I was an XXXX & PP member years ago, when I had a business, and PP would send me my sales funds to my home by check. I do not use the other PP banking methods, due to fear of security breaches, because PP is a mess. I checked PP prior to recently opening XXXX & PP accounts, to ensure a check can be issued, rather than my providing my banking info and the PP site reflected that a check could be sent to me. My dispute is that PP will not send my check for {$170.00}, until I " Verify '' my account, providing banking or credit card info. to them. I have photos on my XX/XX/XXXX chat with XXXX XXXX, wherein she advises that they see I had had a debit card on file and that my address is also confirmed. I removed the credit card that was on file for a month, because when I added it to get my sales funds, doing so was supposed to allow them to send the money to the card, which didn't happen so, I removed the card on XX/XX/XXXX. BUT, now they are trying to compel me to give them my banking info & credit card info to " Confirm '' my address, which I refuse to do. The process for receiving a check for my money is misleading and predatory. Though the site advises a check can be issued, customers must give sensitive security risk information to PP without reason, to actually be issued and sent the check to the Verified address which is on file. Once I pushed back today via chat, explaining that PP 's request to provide the info is unreasonable, since they confirmed my address already, I received an email immediately which advises that my account is on hold for 21 days, contact XXXX. The XX/XX/XXXX chat is now gone from my PP account and it's good that I took photos of it. I further dispute that PP is directing me as an option to receive my funds, to go to XXXX of all places, and pay additional {$3.00} to get MY MONEY, which is a third party sham. PP must have a deal with XXXX to get a cut of the funds. Considering how PP abuses their customers, It is unbelievable that PP has been around so long. XX/XX/XXXXat XXXX, the following msg was received : " Really sorry, XXXX. I understand how concerning providing your credentials with us just to complete this process. I assure you that all your information with PayPal are all protected and encrypted. PayPal also consider varies factors to make this transaction safe and secure. If we are not able to to confirm your identity validation by adding and confirming a bank, I'm afraid that the system will not be able to complete the process. If there's only option that I can released this funds as a check, I already have done it long time ago. As much as I loved to help you, but the system are not allowing me to do so. The only option that I can provide for you to get access on your funds were : -adding your card again and transfer it which will only take within 30 minutes. However, there will be a % 1 charge of the total transaction. -withdrawing the funds through XXXX where you can get your funds as fast as you're done with the process. However, there will be a {$3.00} charge as per transaction. -you can also apply for our PayPal Cash Card where you have direct access on your PayPal balance and use it in any type of payments. However, the card will be delivered after 10 business days. -you can also send this funds to your friends and family and let them withdraw the funds on their end. XXXX XXXX from XXXX XXXX '' PP is trying again and again to get me to divulge personal and secure banking information unnecessarily, placing said information at risk and, they are with-holding my funds without my permission to continue to gain monetary interest. Please refer to XXXX and other online customer comment sites to review similar complaints from consumers. PP is a menace. Thanks much for your consideration of this matter. XXXX XXXX | ||||||
| 11/12/2023 | Yes |
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| On XX/XX/XXXX there were 5 unauthorized transactions made from my Venmo account to another users Venmo account ( XXXX XXXX ; XXXX XXXX ). I do not know this person. The unauthorized transactions that were sent from my account to @ mrsuav were : {$2000.00} ; {$1500.00} ; {$1700.00} ; {$1200.00} ; {$700.00}. These unauthorized transactions were all made within a XXXX minute timespan. XXXX minutes after I noticed these unauthorized transactions, I did the following : 1. Disputed all 5 transactions on Venmo and noted that these were unauthorized transactions. As a result, my Venmo account was suspended and in an email sent by Venmo this meant that I, " won't be able to send or receive money or may not be able to withdraw money from your venmo account. '' XXXX. I reported the Venmo account, @ mrsuav ; XXXX XXXX XXXX. I contacted my bank, XXXX XXXX XXXX XXXX, to alert them of these unauthorized transactions. Venmo is attached to my checking account. As a result, the bank closed my checking account. On the morning of Monday, XX/XX/XXXX, I noticed that despite having taken all of these steps, XXXX out of the XXXX transactions ( {$2000.00} ; {$1500.00} and {$1200.00} ) went through and were deducted from my checking account with XXXX XXXX XXXX XXXX. I filled out the necessary paperwork with my bank, and they worked quickly to resolve this issue. The money has since been returned to my new checking account. The XXXX unauthorized transactions that didn't go through with my bank were for the following amounts : {$1700.00} and {$700.00}. On the night of Tuesday, XX/XX/XXXX, I received an email from Venmo ( attached ) stating that they were unable to complete XXXX recent transactions for {$1700.00} and {$700.00} from my XXXX XXXX XXXX XXXX checking account ( which was closed ) because of insufficient funds. This makes sense. All of the money was taken out of my TFCU checking account and that account was closed days prior. Then the email from Venmo XXXX, " Don't worry, we've covered you and XXXX XXXX has the funds. Please pay $ XXXX amount for this transaction. Please know that your Venmo account has been frozen ( you can not send payments or transfer funds to your bank ). I initially had just over {$310.00} in my Venmo account that Venmo used to pay this person, XXXX XXXX. I'm very confused how this could happen if my Venmo account was originally suspended on XX/XX/XXXX when I alerted Venmo of this issue. On the morning of Wednesday, XX/XX/XXXX, I received an email from Venmo stating that the disputes I originally filed on XX/XX/XXXX stating that these transactions were unauthorized, were denied and the reason they gave was because they determined that these transactions were consistent with my transaction history. This information about my transaction history is inaccurate. I do not have a history of sending this person any money. I do not have a history of sending this amount of money ( over {$7200.00} over XXXX transactions within XXXX minutes ) to any Venmo user. I do not have a history of transferring anywhere near that amount of money in my account. On the evening of Wednesday, XX/XX/XXXX, I received an email from Venmo stating they had refunded XXXX the XXXX amounts originally taken out ( {$2000.00} ; {$1500.00} and {$1200.00} ) because my bank alerted them that these transactions were unauthorized. This should be evidence for Venmo that all XXXX transactions to the same user ( @ mrsuav ) were unauthorized and the last XXXX transactions that they sent to @ mrsuav on my behalf ( {$1700.00} and {$700.00} ) should be refunded. I have tried calling Venmo and have not been able to get in touch with a representative. I have emailed Venmo and continued to fill out more disputes. Every time I request to speak with a representative on the phone they tell me they are not able to fulfill that request which leads me to believe I am interacting with a Bot and not an actual human being. | ||||||
| 02/20/2019 | Yes |
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| This is about a Pay Pal Business Account. I opened it in XXXX. I also have a Pay Pal pre load debit card from XX/XX/XXXX used a few times to recieve payment from XXXX an on line site I sell from, and to spend the money. I sell on line both my own products and I also drop ship.There were no up front disclosures about 1 ) holding my funds deposited by the buyers, until the merchadise is delivered. On my drop shipping sales I usually use part of the purchase money to buy the item and ship it. I can understand that Pay Pal wanted a history of me being honest. So I got permission to use my friends credit card to purchase and ship, with the agreement that with in 5 days or so I would replace the funds. Secondly, there was no upfront disclosure that they would require a verification of me personally. I provided a state picture ID. They will not give me a date on when my funds will be released.Pay Pal said if I bought a {$100.00}. dollar XXXX XXXX card it verifies instantly and then I could acess my money. I did not have {$100.00}. I do not have credit good enough to have a credit card. They said youll get the money right back. We will buy one XXXX card for {$50.00}. that you can keep, but then you must buy one for {$50.00}. As I told them. I have approximatly {$20.00}. cash and all my money, about {$500.00}. of mine, you have and will not release it. Then they tryed to convince me to borrow the {$200.00}. dollars because they will get it right back. I explained to them I have been unemployed for 2 years and have borrowed too much. I feel terrible about it, and only borrow when desperate. They said in about 2 weeks I would have my clearance and get my money after the ID clearance goes through. Why do I have to buy something to get my own money? They sell cards for {$20.00}. why do I have to buy $ XXXX.card? Also how do I get my money back? They said it was a government requirement to verify who I am. Why did they wait till XX/XX/XXXX? I have not used the account but did open the account in XX/XX/XXXX. Later that day, which was XX/XX/XXXX after having been on the phone about 2 hours at about XXXX Arizona / Central time zone. After having walked 1/2 mile to a grocery store, in a drizzel of rain, to use my Pay Pal debit to buy the XXXX Cards, at Pay Pals insistance that since the accounts where linked it would work. Which of course, did not work, because my whole account is frozen. I had a supervisor contradict everything that I was told. She told me I would never get my money, unless I bought the cards. When I asked her to expidite verification of my state ID, she said that is not ever going to verify you. She said they would keep my earnings forever. Sounds like a lie to me.While the accounts were frozen and unverified, Pay Pal released Approx {$47.00}. to eBay for money I owed them. Why can they release to eBay and not to me? I was {$9.00} over drawn on my Pay Pal Debit. I asked for {$5.00} to transfer to the debit and they did in less than 24 hours. That is because it pays their fees. Why not release the funds to me if they can get money and eBay can while my ID is not verified. This having to buy XXXX Cards does not see right. If I do not buy from XXXX 2 of their highest denomination cards {$50.00} + {$50.00} = {$100.00}. I have an unlimited amount of time to get my own money? I promised the money used on my friends credit card to be returned. Now they are making me a seem like a flake. She is worried about getting the money to make her payment. I am too. I am very poor I need to pay bills and to feed myself and my cats. I had my mom and sister bring me people food and kitty litter. My cat food runs out tomorrow XX/XX/XXXX and my cell bill is due today. What the XXXX is going on? Without disclosure all my money is frozen. Had they told me I would not have all my on line sales platforms sending my money to them. Please find out what the truth is. Thank you XXXX XXXX XXXX XXXX | ||||||
| 02/03/2017 | Yes |
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| I opened a Paypal Business account about 4 months ago for my XXXX business. Throughout this time, I have made around {$10000.00} in sales through this Paypal account, with dozens and dozens of items successfully shipped and many happy customers. In fact, because my business was doing so well, and my customer satisfaction was so good, Paypal even increased my release limit from {$3000.00} to {$4500.00} at the end of XXXX. This means that the first {$4500.00} in sales I make per month are immediately available to me and forego the standard availability procedures. This trust is only granted to exceptional sellers who demonstrate a track record of consistent sales and customer satisfaction. Unfortunately, not all customers share my honesty, and I had my FIRST chargeback on XXXX XXXX, 2017. The transaction ID : XXXX represented an XXXX sale where the customer purchased a pair of earbuds from me. Like always, I shipped this item out the next day. Since the weight was only a few ounces over the USPS first class package limit of XXXX pound, the post office agent agreed to just let me use that service, which halves my shipping costs. Over a month passed without any response from the buyer, so I assumed everything was alright. However, out of the blue, over a month after USPS showed the item as delivered, he filed a dispute with PayPal saying he never received the item. Again, any reasonable person would file a dispute the moment they saw the tracking show " delivered '' but they never actually got the item. Realizing I am protected under Paypal 's Seller Protection ( tracking number with confirmed delivery ), I let Paypal do its work. A few days later on XXXX XXXX, 2017, he filed a chargeback with his credit card company saying he never received the item. Within a few hours of that action, my Paypal account became limited. I immediately submitted every requested document to remove the limitation ( invoices, tracking numbers, my social security card, bank statement, utility statement XXXX, but within an hour, I received another e-mail saying that my Paypal account has been permanently limited ( AKA banned ), and that the ~ {$840.00} I have on the account would be held for 180 days, after which I will " receive instructions on withdrawing the funds ''. I was dumbfounded. How could my account go from being in superb standing ( increase in release limit ) to being permanently limited due to the first and only chargeback to ever occur on the account? I called Paypal on XXXX XXXX, 2017 at XXXX XXXX and XXXX XXXX, but none of the XXXX representatives ( XXXX and XXXX ) nor their supervisor XXXX XXXX XXXX could offer me any specifics. All I got was " the decision is final and can not be appealed '', " we can not release details on our decision, but it was made due to security risk ''. My only course of action was to send a physical letter to their " Legal department '' ( which did n't have a phone number or e-mail apparently ), and wait over 2 weeks for them to " maybe '' respond. The representatives told me that a response from them was optional. I believe this is a simple misunderstanding, and something in Paypal 's automated system must have triggered a ban on my account upon the initiation of the chargeback. I am submitting this complaint after many attempts to contact Paypal and to resolve this issue, all without avail. I wish for XXXX of the following XXXX outcomes : 1 ) Restore full access to my Paypal account based on my stellar track record of sales and customer satisfaction, or 2 ) Transfer all funds on my Paypal account to my bank account linked to it. Paypal may keep the bank account information on file for their protection until 180 days has elapsed, at which point, I request for it to be permanently deleted from their records. I have attached files documenting the unfairness with which I have been treated throughout this entire process. Thank you for your consideration. | ||||||
| 10/27/2023 | Yes |
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| On XX/XX/2023 I used my XXXX credit card on PayPal and sent a payment of {$280.00} to the wrong person in error. When I realized that I did not identify the name of the person it was sent to, I immediately contacted Paypal to advise them of the error and requested them to reverse the charge before it went through as It was still showing as " pending ''. PayPal denied my request and stated that they felt the charge was " valid '' and advised me to attempt to contact the person directly and request them to reverse the charge and/or refund me the monies I sent in error. I attempted to contact the person on Sunday XX/XX/2023 with the contact number they had listed on the PayPal transaction information listed within the transaction information. After several attempts, they finally responded to me via text message and informed me that they would not reverse the charge and/or refund me, and told me they wanted me to file a dispute with PayPal. I told them I had attempted to file a dispute with PayPal and they had denied my request, and that I would be filing a dispute with my bank XXXX and their response was " that would be best ma'am ''. I contacted Paypal again on Monday XX/XX/2023 hoping to resolve the matter one more time before I filed a dispute with my bank XXXX, and spoke to someone in customer service who said they would attempt to contact the person directly via telephone. They placed me on hold and attempted to call them. After several minutes the agent got back on the phone and said the person did not answer the phone so they committed to send them an email and would continue to try to contact them via telephone. The agent also advised me to file a dispute with my bank XXXX and that they would " cooperate and help as much as possible. They also told me they would be back in touch with me regarding this matter. I have not heard back from PayPal to date. Since I had no other communication from PayPal, I took their advice and filed a dispute with XXXX on Tuesday, XX/XX/2023. XXXX followed up with me for additional information by sending me a request for " additional information '' via my " inbox '' on my XXXX account regarding my complaint. I immediately sent them an explanation of what had occurred, as well as evidence of the XXXX text messages I had received from the person whom I had sent funds to in error which stated that I should file a dispute with my bank. I uploaded the information via their online portal which is used to submit documents to the bank. On XX/XX/2023 I received a notice from XXXX via my online " inbox '' on my XXXX account advising me that they had determined the transaction to be valid and stated the following " A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction ( s ) was not received. Based on the existing information in our records, there is insufficient evidence to support your claim ''. This is false. I honored their request and sent them an explanation as they requested as well as what information I was able to obtain from the individual that I sent the funds to in error. Upon discussion with XXXX CEO office they informed me that they do not have the " authority '' to issue me a credit and it would fall under Pay Pals authority or ability to do so based on the type of transfer being a money transfer. They also stated the error resolution is solely Pay Pals responsibility to take action on. I have not been able to contact the person whom the funds were sent to and no monies have been refunded back to my Paypal account or XXXX credit card. The person has failed to respond to any additional request attempts and has blocked my number and will not respond to any further communication from me. PayPal has not been in contact with me and if fact would not take any action to assist me and I have had to contact them multiple times and keep getting the run around. | ||||||
| 10/01/2018 | Yes |
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| On the morning of XXXX XXXX, 2018, I found about sixteen different unauthorized transactions after I was notified via email that a XXXX XXXX bank account had been added to my XXXX account. I then checked my Venmo account to notice that there were several transactions adding up to about {$2100.00} dollars, being delivered to three different individuals. After getting in contact with XXXX XXXX support team via phone, I was later contacted by a member of their Disputes team, XXXX XXXX He asked me several questions regarding the transactions and I responded to him, explaining the situation that someone else 's XXXX XXXX bank account ( ending in XXXX ) was added to my XXXX account in order to make financial transfers ; essentially, my XXXX account was used as a middleman of sorts to send money from this XXXX XXXX bank account to other individuals. At this point in time, none of my personal funds had been affected, however, I still contacted my financial institutions to confirm so. On the morning of XX/XX/2018, XXXX XXXX notified me that, " From what I am seeing in the log here, the bank [ XXXX XXXX ] did in fact block the payments, but they have since been attempted to be recovered from the cards that you have on file, which I was hoping to avoid. '' XXXX requested that I send him screenshots of the charges filed on my debit and credit cards, to which I happily obliged. Finally, he asked if I had filed disputes with my financial institutions, to which I confirmed, yes. XXXX responded : " Thank you for providing that information! We've completed our investigation regarding the recent payment activity on your account. Due to the fact that you've already initiated a dispute process with your card/bank provider, we have denied your official claim on our end. This is simply a formality as there is no need to manually credit the account, so please disregard the automated denial email. Because you let them know the charges were unauthorized, they'll be able to walk you through the dispute process to reimburse you for your loss and will bill XXXX separately for the amount that was unauthorized. In a couple of days you will receive another email from XXXX regarding the expected payment loss due to the dispute with you bank. '' Afterwards, I decided to discontinue communicating with XXXX since I was not interested in reinstating my account with their services. However, on XX/XX/XXXX and XXXX, I received multiple emails stating that my dispute claims ( from the XXXX XXXX account ) were denied. Because XXXX stated that because I disputed claims with my own financial institutions, and that VXXXX had denied claims on their end as a formality, I assumed that this would not be an issue. On XX/XX/XXXX, I was notified that I still owed {$840.00} to XXXX, despite the fact that I had previously told them that I am not the owner of the XXXX XXXX bank account from which the funds were trying to be recovered. On XX/XX/XXXX, I contacted XXXX via phone yet again to try and settle the financial disputes. I was told to submit personal identification to the original email chain with XXXX XXXX in order to proceed with the process and have not received any contact since then. However, on the evening of XX/XX/XXXX, I was contacted by XXXX yet again via email stating : " This is your final reminder that you still owe Venmo {$1200.00}. Your account will remain frozen until you settle this outstanding debt. By not paying, you run the risk of being reported to a collection agency. '' The email then listed sixteen suspicious and fraudulent transactions in various amounts from XX/XX/XXXX. I contacted XXXX XXXX support team this morning, on XX/XX/XXXX, in order to try and settle the situation again. I spoke to a representative, XXXX XXXX, who reopened my case and sent it to an account specialist to review again. I was told that I should be contacted within two to three business days. | ||||||
| 04/17/2016 | Yes |
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| In XXXX 2016 I sought to make a purchase on EBay. I agreed to purchase an item through, what is called, a XXXX auction. Unknown to me, all charges associated with the purchase, MUST be included in the XXXX price, which was, {$640.00}. After I agreed to purchase the item, and paid the {$640.00}, the seller informed me, via messages I have already submitted copies to Paypal of, that I had to pay an additional {$120.00}. Not for the item itself, but as a " core charge '' and a shipping label for something I did n't even agree to send back. After confirming with EBay, that this was fraud, I went to Paypal to dispute the transaction, as it was fraud. I did n't definitively categorize it as fraud because I did n't know how they wanted to process it, as it also fit the description of " item not as described '' as the charge was described as required and or necessary when it was not. I called Paypal to ask them about it, I spoke with " XXXX '' on XXXX, and I was told to submit an e-mail, which I did, explaining the situation. Paypal declined to refund my money via their Purchase Protection warranties and promises, claiming, on the website, that I had failed to return the item to the seller even though the seller did n't give me anything for the {$120.00} so there was nothing to return. The seller falsely claims that I have to send him an item of mine, that was n't involved in the EBay transaction at all if I even want {$100.00} back, but wo n't give me the {$120.00} under any circumstances. I explained to PayPal that this was the case on XXXX when I spoke with " XXXX '' and he said Paypal had n't gotten my e-mail. He had me resend it, and send screen shots of the seller demanding I pay more money for the EBay purchase in excess of what I was required to pay, under the guise that I was obligated to do so, so as to pay the " core charge '' and " shipping label ''. Per EBay, those charges should have to be included in the transaction. I even sent Paypal a link to the website for the " Buy it Now '' purchase, so they would know, the full price of the item was only {$640.00}. Paypal, once again, declined my dispute, saying, again, that I had n't returned the " item '', when I had already explained to them that the seller wanted something of mine that was n't even part of the transaction to begin with. On XXXX I spoke with " XXXX '', a Paypal Supervisor, about the matter and explained it to her again. She said that it was never about me not returning the item ( even though that 's what their website told me, specifically, regarding the dispute ), but that it was that Paypal had, of its own volition and without my confirmation or authorization, decided to categorize the {$640.00} payment and the {$120.00} payment as a " split payment '' for XXXX item even though they saw on the original EBay web page that showed that the full charge for the purchase was only {$640.00}. Paypal was claiming, at the time of the phone call, that since they had decided to call it a " split payment '' that I was not entitled to a refund of even {$120.00}. On XXXX, I checked, and Paypal has declined my dispute for a third time, once again, claiming I did n't send my stuff to the seller, literally something that is literally mine and was mine before I even considered making the EBay purchase and was not part of the transaction nor did I ever agree to give to the seller. I contend Paypal has violated its warranties and representations to me regarding buyer protection and the like. They 're jerking me around, making me talk to people on the phone who clearly do n't speak, understand, or comprehend fluent english, lying to me on their webpage about the dynamics of the dispute, and overall cheating me out of my money to their benefit and the benefit of the seller. The Dispute ID is # XXXX. If there was something PayPal thinks I should have done differently, they 've had XXXX chances to tell me so far | ||||||
| 05/25/2022 | Yes |
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| On the morning of XX/XX/XXXX, I was on vacation in another state and woke up to over 600 messages in my inbox, 300 or so related to charges of {$460.00} by XXXX on Paypal. The messages were in XXXX ( XXXX or XXXX I '' m not sure ) and in total there were appx. XXXX transactions from my PayPal for the same amount of {$460.00}. Appx. XXXX were from direct access to my personal checking ( connected through PayPal ), 41 were direct access to my XXXX XXXX ( connected through PayPal ) and appx. 16 were through my PayPal Credit Card, which is connected through PayPal as well. I called PayPal on the morning of XX/XX/XXXX and reported the fraud. I was assured they would work on it and suggested I call XXXX XXXX. I did and XXXX XXXX let me know they would also work on limiting the fraudulent charges. I then called XXXX XXXX and XXXX XXXX XXXX, both funding institutions that were affected by the fraudulent PayPal Activity. I called PayPal again on the XXXX two more times to let them know that XXXX XXXX was working on the issue as well and to ensure that I would not be liable for the charges. I was assured I would not be. I noticed nothing had changed in my PayPal Account so on the XXXX of XXXX I filed disputes using their online tool for all of the charges that were visible to me. On XX/XX/XXXX, I called PayPal again, and at that time spoke to a representative who apologized that none of the charges had been marked as fraud " due to a system error ''. The representative assured me that I need not worry, the transactions would be deleted from my account. I noticed on XX/XX/XXXX that my PayPal account was positive appx. {$26000.00} which I assumed to be the provisional credits as they worked through the fraudulent transactions. As the days went on, I saw the account balance decrease. On XX/XX/XXXX, I received two messages saying my account had been debited since I was credited twice for the amount of {$460.00}. This is NOT the case- the provisional credit was in multiples ( my guess is around the XXXX for each transactions ). On Thursday, XX/XX/XXXX, I noticed that the account was in the negative. I called PayPal and asked to be escalated. The person I spoke with told me that my account was under investigation for fraud and the negative balance would be fixed. After a few days of this not being fixed, I called again on XX/XX/XXXX and spoke with both PayPal credit and a rep who again, assured me that the negative balance would be fixed. I was still seeing a negative balance, and reached out to customer service. I had also at this time received a message on XX/XX/XXXX telling me to act now to resolve my negative balance. I called again today and had them escalate the call. I am trying to tell them that their accounting is off. If I was credited back twice for an amount, and debited back twice, the balance should be at a ZERO. The person I spoke with today, XXXX, after two hours of speaking with her, indicated that ONE charge of {$460.00} was never reported as fraud, and the other two were credited back twice. I explained to her that if they were credited back twice I'd have more money in my account, not a negative balance. Instead, I have a negative balance because they were credited back once, and DEBITED twice. I do not have an extra {$930.00} in any account- my checking, my XXXX XXXX my PayPal credit, OR my PayPal account. These were NOT credited back twice. {$930.00} = {$460.00} x XXXX 1 never having been listed as fraud, 2 being debited from the provisional credit twice under the incorrect assumption they were credited twice. THEY WERE NOT. I can not get to the level of support I need to have them audit this and see that their accounting practices are off. I am beyond frustrated aside from the lack of skilled customer support, nothing is getting fixed despite a total of 25 hours collectively on hold/phone calls and despite multiple outreach. | ||||||
| 10/21/2020 | Yes |
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| In XXXX I purchased furniture, from XXXX via PayPal. When the furniture was finally delivered, it was late and completely damaged beyond use. On XX/XX/2020, I filed a dispute with PayPal 's dispute resolution center and supplied PayPal with a XXXX receipt with the XXXX driver signing that the furniture was damaged, photos of the damaged furniture, and as per PayPals request, documentation from an independent appraiser stating as much. I have gone back and forth with PayPal for the last few months and all it has resulted in us them denying my claim 4 times. Their timeline of the dispute states that the case was resolved XXXX XXXX ( i.e. they closed the case again ) but it shows that as late as XX/XX/XXXX, they yet again changed the reason for doing so. First they stated I failed to provide sufficient documentation. I called and the rep told me that was an error because the appraisers note, although handwritten, had a letterhead and contact information. Nowhere in their written communication requesting action on my behalf to further my case did PayPal state that the appraiser, whom I paid for, needed to provide a typed document. They still denied my claim and when I called this time the rep told me the statement of damages was handwritten so they couldnt accept it, but she would reopen the case so I could provide a typed appraisal. I contacted the appraiser and obtained a typed appraisal on letter head as they requested only to receive another generic denial. Once again I called the company this time waiting for over an hour for a frustrated supervisor who again told me the same thing and reopened the case. Of course in a few days I received the identical automated generic rejection. Their customer service is outsourced and the individuals who answer your calls give inconsistent replies. You also are placed on hold for at least half an hour, which is a waste of my valuable time, and I have been repeatedly put through this process. The last rep told me she would contact the appraiser and get back to me the next day then rudely told me I can look for an alternative solution if I was unhappy with PayPal. I demanded to speak with a supervisor and waited over an hour only to have them tell me that they do not contact appraisers. He was obviously frustrated and provided limited help. Clearly their training is to give scripted responses and make empty promises to get you off the phone. Each time I have received a generic rejection response to my claims and after the last conversation I dont believe a human being even reviews the information they request. I have lost {$2900.00} to a scam company ; all this seems to be of no concern to PayPal. I am also out {$75.00} that I had to pay for the independent appraiser PayPal requested me to obtain. I will also need to pay to have the junk furniture removed from my garage. PayPal seems to be more interested in keeping merchants who have been reported to the XXXX than protecting their individual customers rights ; obviously we know who pays them more. I should not have to keep going back and forth with PayPal. PayPal makes themselves the intermediary in disputes with merchants. I am extremely frustrated and I feel scammed by both the merchant, XXXX and PayPal. I have used PayPal for several years and have only needed to use the Resolution Center twice ; obviously I am not the fraud here. I am skeptical that I will get my money back from PayPal or the merchant. I am so disgusted and disappointed that at a time like this companies are stealing from individuals. I will be closing my PayPal account and can only try and protect others by providing a warning and sharing my story. I am a part of a several social media groups and I was surprised that several people have had similar experiences. I wish someone had shared their story with me and so I am sharing mine hoping I can stop someone else from going through this. | ||||||
| 11/03/2021 | Yes |
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| Hi, My XXXX account was hacked. User name : XXXX. The hacker sold XXXX $ ~ worth of items for which I was receiving messages and requests for sellers fees from XXXX. I contacted XXXX on XX/XX/XXXX about this and they told me they would remove the fees and the hacker 's items and restore my account. About a month later, I see a charge for sellers fees on my paypal account, which is not linked to my XXXX account. When I tried to contact XXXX about this, they pointed me via chat to a support page where a " Have us call you '' option should be. This option is not there. I was able, via chat, to get the agent to confirm that they don't see the {$6.00} fee anywhere on my account and asked me to give them confirmation numbers, which I did. Still they did not remove the charge. Being as my account was hacked, and since the phone option doesn't appear on the website, I have no way of contacting them to get my account back or dispute the charge with them. XXXX - XXXX - XXXX XXXX XXXX XXXX Hi, my name is XXXX. Please allow me a few moments to catch up on your conversation so far. XXXX XXXX XXXX Hi, I had someone hack my account and sell stuff and of course no ship it. XXXX XXXX XXXX I contacted you and you said you'd take care of it and eliminate them XXXX XXXX XXXX But then on XX/XX/XXXX you charged me {$6.00} for seller fees XXXX XXXX XXXX You're going to refund this to me XXXX XXXX XXXX b/c that's what you said you'd do when we talked on the phone XXXX XXXX XXXX You charged me XXXX $ to a payment method that isn't even linked to my account XXXX XXXX XXXX I see. I really do apologize for any inconvenience this issue may have caused you. Let me check your account and see what I can do. Please bear with me. XXXX XXXX XXXX you'll be refunding the {$6.00}, thank you. XXXX XXXX XXXX If I will process a refund of {$6.00}, this will be posted on the payment method on file. But since you said that it's not even linked to your XXXX account, where was it charged? XXXX XXXX XXXX to my paypal account XXXX XXXX XXXX who said you could charge my paypal account? XXXX XXXX XXXX It's not linked to my XXXX account, so I'm wondering where you got the permission to charge me for something you said I shouldn't be charged for XXXX XXXX XXXX Can you please post the details on the charge to our chat box? Log in into your PayPal account then see the transaction details. XXXX XXXX XXXX XXXX XXXX -negative $ XXXX XXXX, XXXX Automatic Payment XXXX XXXX XXXX Paid with XXXX XXXX BANK XXXX {$6.00} Your backup is VISA XXXX XXXX XXXX XXXX Transaction ID XXXX XXXX XXXX XXXX Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Purchase amount {$6.00} XXXX XXXX XXXX And, in the future, you will cease making work for me XXXX XXXX XXXX This isn't my job XXXX XXXX XXXX XXXX, we no longer have a contract with PayPal. Our access to their database is no longer available -- reason as to why I ask for this details. But please give me a moment to check on this. XXXX XXXX XXXX THat's wonderful to hear XXXX XXXX XXXX But at the end of the day, you charged my paypal account without authorization XXXX XXXX XXXX and fraudulently XXXX XXXX XXXX Thank you for patiently waiting. I really can not see where that charge is coming from on your XXXX account -- no matches found for {$6.00}. I need to connect you over to our Account Takeover team so they can further assist you with this and possibly issue the refund right away, would that be okay? But for me to do so, I will have to transfer your contact to their email support and disconnect our chat session. XXXX XXXX XXXX Our specialized team is only available via email. I will have to transfer your contact with them. You will be receiving an email from them within 24 hours. You can just reply on the email thread. XXXX XXXX XXXX I don't mean to rush you or anything but I just would like to know if you are still with me? | ||||||
| 04/26/2021 | Yes |
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| Complaints about 1 ) Fraud on behalf of payment service/digital wallet ( Paypal ) 2 ) Unlawful freezing of my funds/refusal to release my money, freezing my account for no reason 3 ) missing disclosures/predatory misinformation when opening an account. Paypal is attempting to defraud me out of money I was paid for selling merchandise on XXXX ( my camping tent ). Paypal froze my funds without any grounds. My valuable property is gone as I shipped it to XXXX buyer, buyer is happy, never disputed transaction/never requested return or refund and it's been almost 2 months, way past XXXX 30 day return window. Funds initially were released for me to use, by Paypal, but then my account was frozen/locked by Paypal, who terminated the account without releasing funds to me, without explanation. Paypal suddenly sent me a message that they " do not want to do business with me '', I after I tried to login from a new device, and that my account is frozen for 180 days, that they won't release my funds and that later they may " send me instructions how to get them back ''. This is criminal, unlawful brazen fraud by Paypal. This is also illegal discrimination based on my ethnic origin ; I have good credit, clean XXXX, never had any Paypal or XXXX disputes, US citizen, I used Paypal only once, this is new account, there're verified my debit card and major bank accounts linked - I'm clearly being persecuted because of my ethnic origin. I demand immediate release of funds and to punish this criminal organization. Notice Paypal froze funds ONLY after I authorized XXXX to receive its cut ( fee ) out of my Paypal account - this shows fraudulent intent by Paypal - as soon as XXXX fee charge was authorized they froze account. XXXX was paid percent for the merchandise, I was not paid! Notice Paypal also waited for me to link and verify outside major XXXX XXXX account before they froze my funds - shows this is intentional fraud! Clearly I'm verified through my bank, where I received 2 trial deposts, so this is not identity verification issue, nether I ever recieved any identity verification requests from Paypal. In any case if they wanted to do verification all needs to be done BEFORE I authorized payment to go into Paypal account! I paid a lot of money for shipping of the merchandise, {$60.00}, I have no tent anymore, lost shipping money and Paypal is holding my money after suddenly freezing them. Aside from discriminatory account closure, I never authorized 180 day hold when I agreed for XXXX to send my payment via Paypal - this was never disclosed or was hidden/impossible to know, I was decieved, XXXX return window is 30 days, not 180 days and I never agreed on XXXX hold if Paypal decided to close account ( this was a new Paypal account I opened solely to be able to sell that tent on XXXX, I never sell on XXXX neither I use Paypal services otherwise ) .happended Another aspect of illegal Paypal actions is that I can not remove or change a linked bank account or a linked debit card, this violates the security of my banking elsewhere, I fear theft out of my linked bank account now as Paypal is a fraudulent organization. Timeline : I sold tent on XXXX on XX/XX/2021. Buyer paid and funds sent by XXXX to Paypal on XX/XX/2021, email stated : hold for 21 days. I shipped the item XXXX day after the sale. Funds were released for me to use after 21 days, I kept them in Paypal account XXXX XXXX was initiated by buyer, XXXX 30 day return policy had passed. Paypal I authorized fee payment to XXXX from Paypal account on XX/XX/XXXX and verified my linked bank account on the same date. Paypal froze and terminated my account and funds on XX/XX/2021 minutes later. In response to my message they sent a message with a link supposedly to verify something XXXX no human responded ever, only a robot ) - that link opened a page that stated they don't do business with me/closed my account. | ||||||
| 02/19/2021 | Yes |
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| On XX/XX/XXXX at XXXX EST, I received a phone call from my mother from a caller ID that showed " Mom ''. This phone call would last 19 minutes in total. I answered the phone and heard a woman crying that sounded like my mother. I told her to calm down and tell me what was going on. This went on for several seconds. She was inconsolable. Before she could reply, the phone was taken from her hand and a man came on the line. The man had a panicked tone in his voice and multiple times throughout the conversation said, " I didn't mean to do it '', " I just needed rent money '' and " Tell your mom to stop grabbing me ''. Throughout the conversation you could also hear occasional cries/moans from my mother. He said everything will be ok, and he will " let my mom go if I send him {$900.00} " that he " needed for rent ''. I asked to speak with my father, and it was implied that the robbery had gone bad and that my dad could not speak ( it was implied that he had been murdered at this point ). Additionally, anytime I would ask to speak with my mother, the man on the phone would become more frantic and desperate with his demeanor. The man asked if I had VENMO which I told him I did, and he demanded {$900.00} " for rent ''. He said at the point he received the money my mom would be released. The Venmo transaction for {$900.00} was completed at this time. VENMO transaction to bank of user XXXX XXXX XXXX phone number with the account XXXX Date : XX/XX/2020 Amount : {$900.00} Payment ID : XXXX Transaction from : XXXX XXXX XXXX XXXX At this time the man stated the transaction had not gone through and he requested another form of payment - immediately and my mother would not be harmed. A PayPal transaction of {$900.00} was made : To User : XXXX XXXX From : XXXX XXXX Amount : {$920.00} Made at : XXXX EST Transaction ID : XXXX During the time the second ransom transaction was being made my wife called our local police department ( XXXX Police ) in XXXX County XXXX Georgia XXXX They stated to call the local authorities in XXXX XXXX, Texas where my parents reside. She placed a call to the XXXX XXXX Police at which point they were able to contact my mother and sent a policeman to their residence. At this point we realized my parents were indeed fine and we had been the victim of a scam. Throughout this ordeal, we were under extreme duress thinking my father had been murdered and my mother was being held hostage. This was amplified due to the voice of the woman crying and the caller ID showing " Mom '' that came on my phone. Since the incident, we have been in contact with XXXX Police, XXXX XXXX Police, FBI IC3 team, XXXX, VENMO, PayPal, XXXX and the XXXX XXXX XXXX XXXX. Additionally, XXXX confirmed that a call was placed at the time and date of the incident ( although my mom did not call me at that time ). My phone log shows the call came from my moms phone number but there is no checkmark showing the call was verified as authentic by the carrier ( something that can only be checked after the call is completed anyway ). XXXX stated that with a police subpoena, they can provide the actual number that was used for the incident. We disputed the charges immediately ( within minutes of the police arriving at my mom 's house to verify everyone 's safety ) with XXXX ( for the PayPal fraudulent transaction ) and our credit union ( for the Venmo fraudulent transaction ). We provided all four of these companies with the police case number that is currently pending and under investigation. We asked them to cease any collections until the police are able to investigate. Nonetheless, XXXX denied the claim and the {$900.00} has been paid to the scammer via PayPal. Our credit union agreed to do a stop payment to Venmo and now internal collections at Venmo follows up with us several times per week. Our Venmo account is also frozen because of the stop payment request. | ||||||
| 10/19/2021 | Yes |
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| On Wednesday, XX/XX/2021, I received emails from both Paypal and Venmo ( a Paypal subsidiary ) indicating that my account had been suspended for a violation of Paypal 's Acceptable Use Policy [ " AU '' ] that is part of its Paypal User Agreement [ " PUA '' ]. The emails and notifications from the company did not specify further what the violation may have been, and only urged me to review the AU and make that determination on my own. After reviewing the AU, I determined that none of my posted transactions were violations of the XXXX, and could not figure out how they would have been flagged as such. I called the Paypal support hotline, where I was told that there was no further information. I requested to speak to a supervisor, and after being put on hold for 30-minutes my call was disconnected. I called the Paypal XXXX XXXX office afterward, and spoke to another individual who told me that while he did not have any more information, he could see that my account was flagged for review and that I should receive a message from Paypal within 72-hours regarding the status of my account. After the call I filed a complaint with the XXXX XXXX XXXX [ " XXXX '' ], detailing this information, requesting a reinstatement of both my Paypal and Venmo accounts, or alternatively requesting a reasoned and factually-supported explanation of why my account violated the accepted uses. That report was submitted on XX/XX/2021 ( Complaint Case # XXXX - Ref # XXXX - documents attached ). On XX/XX/2021, I received another email from Paypal linked to a message reaffirming that my account was permanently closed. On XX/XX/2021, I received a response from the XXXX indicating that Paypal had responded. In that response, Paypal 's representative " XXXX XXXX XXXX indicated that my account was closed because " the level of risk associated with your accounts is too great. This permanent suspension applies to all current PayPal accounts held by you or any further accounts you may open in the future. '' She further wrote that " our decision about holds, limitations, and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers, and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your account. Due to this proprietary confidentiality, we can not provide any more details or specific information regarding your account limitation or the activities that led to your accounts being limited. '' This opaque answer is dissatisfying for two reasons. First, there is no mention that I proactively violated the PUA or AU policiesinstead, there is new language about a " risk '' determination. This risk determination is not mentioned in the AU policy, and there is no guidance to understand what behaviors or activity that is not covered by the AU is somehow deemed " risky. '' It becomes difficult to comply with rules that are " proprietary '' and algorithmically determined, because it represents a black box to the consumer. Second, the insistence that my account will remain closed is a great hamper to interacting with my secondary businesses and services. This is because Paypal and Venmo is a near monopolistic market participant. If there were countless payment transacting services that had equal market-share, then it would be somple for me to simply move to a different service provider and be done. But that is not the case. Paypal enjoys market dominance, and as such I am no longer able to process payments with innumerable vendors, including brick and mortar stores who only process payments using Paypal or Venmosomething that is occurring increasingly. Despite its status as a private company, its function as a financial service provider means that it has disrupted my access to other businesses through a cloaked and unaccountable internal determination. | ||||||
| 11/06/2022 | Yes |
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| On XX/XX/XXXX I received an unsolicited invoice via PayPal from an individual named XXXX XXXX in the amount of {$210.00}. This was alarming for two reasons : 1. I did not have any previous interactions with this person, and 2. The item description was for the purchase of a " compact pistol '' - here is the full description on the invoice : " Note from XXXX XXXX On XX/XX/XXXX You Purchased a Compact Pistol With PayPal Credit of USD XXXX. XXXX The First Emi Of amount Is deducted From Your Bank Account We have yet to receive payment from you of XXXX. XXXX in respect of our XXXX ID # XXXX which was due for payment on XX/XX/XXXX.. Kindly request you to clear the invoice. We look forward to more productive associations in the future. Please let me know if you have any questions. : XXXX ( XXXX ) XXXX '' I immediately contacted PayPal 's customer service to report what was happening, and at no time during this initial phone call was it indicated that this would negatively impact my PayPal account. In fact, it was alluded that what had happened was an illegal phishing scam and that my account was protected. As my checking account ( XXXX ) on file with PayPal as well as the Credit Card attached to said account were not charged, I was content that nothing amiss had occurred. I was instructed as to how to cancel the invoice and assumed this was resolved. I attempted to make a small purchase the following day, and could not do-so. I had wrongly assumed this was an issue with the website ( XXXX ) and continued to try purchasing said item. It finally occurred to me something might be amiss on my PayPal account, so I logged in - there was no communication informing me of anything being amiss from PayPal, and I could not find any unusual issues explaining why I was unable to make a payment ( I had a small balance that I should have been able to use as well ). I made numerous calls to customer service, and each representative I spoke with assured me they could not find any issues within my account, nor notations indicating why my account was suddenly unusable. I was constantly assured that " someone would be in touch '', and that never materialized. I eventually received a service representative that was willing to inform me that an " account limitation '' had been placed upon my account, however they were unable/unwilling to offer details. This was the first representative that sent a follow-up email when they said they would - I received that email on XX/XX/XXXX. I was assured within this email that my account status had been forwarded to their Security and Investigations Team, so my hope for resolution was ignited. I was wrong. I began to eliminate my usage of PayPal on various websites - I no longer felt safe with this company due to their lack of transparency and response to my very basic questions. I received my " Billing agreement cancelation '' emails from several platforms on XX/XX/XXXX. I attempted to communicate with PayPal on XX/XX/XXXX about the account issue several times via phone and the " message center '' on PayPal 's website. I can not see any of those interactions now, as I believe they delete them within 90 days. I was never sent the promised transcript of any conversations with Customer Service. The next time I heard from PayPal regarding my account was on XX/XX/XXXX when they informed me that I was now allowed to withdraw any funds I had in my account. I did this immediately. I also attempted to close my account and was redirected on the website so many times, I gave up. I have just recently decided to try and close my account again- it really is time-consuming so I have to wait until there are lulls in my life- and was again, unable to do-so. I am filing this complaint as I do not believe I will get a resolution from PayPal. Please help me. I want to be free of PayPal and I believe that PayPal has violated my consumer rights. | ||||||
| 01/05/2016 | Yes |
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Web | Older American |
| This complaint covers several issues with PayPal where they are overstepping their authority as a money transfer company. First Complaint : PayPal " randomly '' by their own CSR statements, holds funds in pending on fully established accounts that are in good standing even though the funds have been received. ( I suggest you XXXX - " PayPal Pending '' where you will find multiple threads and sites including PayPal 's own complaint site where you will find literally thousands of complaints for this action. ) Then they force the " seller '' to ship the goods with pending funds and wait for receipt and acknowledgment by the " buyer '' before the funds are released to the seller. ( Copies of e-mail documents attached ) The seller 's balance sheet shows that the funds were received and " completed '' then moved to " pending ''. While the account balance at the top of the PayPal home page shows the total balance including the pending funds, the actual ledger page shows these funds have been removed. ( ledger sheets attached ) Question - Where are these " pending '' funds actually being held and by who? Is this a kiting operation since thousands of sellers have funds being held in pending at any given time. Per PayPal CSR " Everyone has to do this occasionally. It 's a random thing we do for security purposes. Just ship the item! ". Note : This statement was made by the CSR after having been transferred to EBay, being told by EBay it 's not us and another EBay CSR saying OK I 've released the funds check your PayPal now and seeing nothing change then being transferred back to PayPal. The holding of funds prior to shipment on established accounts is redundant as other rules in the agreement will automatically put seller funds into pending upon a complaint until it is resolved - even if it is up to 6 months after the sale. This brings up the next complaint. Second complaint : PayPal is acting like a " Warranty '' company by forcing sellers to refund money up to six months after the sale. Even in the case of a " New in the Box '' item most manufactures only have a 90 day warranty. Additionally the resolution to warranty of most new items that fail during the first 90 days is to contact the manufacture 's toll free number for a return merchandise authorization with paper work that expressly states " do not return this item to the place of purchase ''. By using the reason " not as described '' a buyer can return an item that failed or that they physically broke for a full refund beyond the manufacture 's warranty period or the sellers usual 30 day warranty period without inspection and without recourse by the seller. There are many documented cases where the seller had money removed from their account for a refund on an item and did not even get the item returned back to them. The buyer kept the item and the money. This becomes even more dubious when many of the items that are sold on EBay, XXXX and other online companies are " used '' or " for parts or not working '' and carry no manufacture 's warranty. Even when the seller warrants a product to be working for a period of time, PayPal overrides that period of time. Unless PayPal is willing to absorb the cost they do not have the authority under law to enforce these kind of refunds by taking money from a seller up to six months after a sale. I would think that this is a violation of Federal Trade Commission regulations. Third Complaint : PayPal is a Bank as it operates as a complete banking system. Not only is it holding money for customers in accounts that draw interest which is captured and used by PayPal. Purchases made with the PayPal Credit card show up on my PayPal balance sheet. I just made a credit card payment on the PayPal site from my bank account. That payment is also being held as pending and may cause a late payment as the credit card has not acknowledged payment as they usually do. | ||||||
| 05/31/2018 | Yes |
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Web | Older American |
| On XX/XX/XXXX I sold a very nice XXXX XXXX automatic watch on XXXX. I shipped the watch and shortly after I was notified of delivery, I was notified that the buyer was filing a claim with his card company that there was a duplicate payment made. PayPal then froze those funds of {$780.00}. I was outraged. I spend many, many hours trying to reach the buyer, calling XXXX and PayPal. Both XXXX and PayPal confirmed that there was only a single payment received. I had no idea what the basis in this claim could be. The buyer never responded to my messages and I began to worry about fraud. I have never seen any evidence that support this claim. I thought surely PayPal could make some calls and resolve the issue quickly. I repeatedly asked if I could be part of a conference call with the card company representative and I was told that it didn't work that way and the call could not happen. After 3 days I was finally able to have PayPal return the funds since they knew there was no basis for the claim. It was a very traumatic few days. I am having very serious financial issues as I am trying to conduct a business XXXX XXXX XXXX largely on XXXX. A major cost to me is storage unit cost. I have been issued a letter of intent to foreclose on a house I have lived in since XXXX after a 37 year XXXX XXXX XXXX. I had to refinance in XXXX to cover cost of a divorce. I retired in XXXX. So Tuesday night XX/XX/XXXX I needed to move money from PayPal for recent XXXX sales to cover cost of storage unit, I had about {$240.00} earlier in the day. When I logged in I was shocked to discover a deficit of about {$560.00}. In a panic, I called PayPal then to discover that a decision had been made in favor of the XXXX XXXX buyer that claimed a duplicate payment even though PayPal records clearly showed only one payment received. So my account was debited for {$780.00} How could this happen. Will I lose the contents of my storage unit if it goes to auction for nom payment? I have spent many angry frustrated hours on the phone Tuesday night and Wednesday. Every time I spoke to XXXX they said the claim was not against XXXX although there was a claim for duplicate payment. I had never had any contact or attempted contain with the buyer outside XXXX until he had filed his claim for duplicate payment. Still never responded to my left messages. PayPal just said the claim was settled in favor of the buyer and it was now closed. PayPal knew that there were no duplicate payments received. After many sleepless angry hours I called PayPal and spoke to another supervisor. I demanded to see copies of all correspondence between the buyers card company and PayPal. I understand the buyer was represented by XXXX XXXX XXXX XXXX. The PayPal supervisor just refused to provide any documents.This was MY representative defending My interest. He then told me that I would have to SUBPOENA my own file documents. How can this happen in our country. Is the oligarchy complete? I have never seen any evidence supporting the buyers claim. I have never seen a response from PayPal defending my property. I don't really know that any communication occurred. I still have to believe that these things would not have happened in a court of law. I would have been allowed to question the entity that was trying to seize my property. I would have able to review and comment on correspondence. I would have been allowed to examine any evidence if any were provided. I would be allowed to examine documents sent to the buyers card company stating my case. None of this happened. I feel like PayPal should get an assist in the stealing of my assets. I am desperate and need help. I no feel safe selling on XXXX and having PayPal intercede in payment processing. So much for their seller protection. I am currently on the financial brink. I can not afford a lawyer. Please help, I'm a XXXX year old XXXX retired XXXX. | ||||||
| 08/01/2016 | Yes |
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Web | Older American |
| Paypal is holding my funds ( over {$2300.00} ) without any legitimate reasons. Seriously jeopardizing a business relationship and event scheduled for XXXX XXXX, 2016. My eBay and Paypal account has always been in great standing, as a matter of fact, my eBay account has a perfect track record. Moreover, my account has been running for approx. 2 yrs, Paypal has previously verified my account, my address and all my previous business transactions. However, after my latest transaction for a total of {$5500.00} ( invoiced in XXXX payments ), Paypal mysteriously placed a XXXX hold requesting information IMPOSSIBLE to provide. I am attempting to rent a large lot for the XXXX XXXX XXXX, which my family owns. Paypal, demands proof of delivery of item, yet their is NO " item '' I followed the PAYPAL policy to a tee, by clearly describing the transaction in the invoice. ( attached ) I am including all the invoices Paypal has demanded proof of delivery, and the address of location displaying the family name of " XXXX '' XXXX XXXX XXXX owns the business, I have also provided Paypal with my daughters FB page confirming her last name and the obvious relationship. Further, there is no " High Level '' of risk '' as the purchaser has not placed any concerns nor has the bank which authorized the transaction. Additionally, Paypal initially approved the transfer of funds, then later cancelled that transfer. According to Paypal 's own actions, paypal is confirming the security procedures they impliment are severely flawed, which they themselves claim is NOT flawed, therefore, violating the terms of our contract by placing more risk to consumers. Think of it : Paypal has verified me, my address, my identity, my bank accounts and my Paypal account allowing me to continue with similar transaction for years. Additionally, Paypal 's actions violate the terms of the class action ( which I did opt-out of ) That they recently settled. I find it incredible, Paypal continues the identical practices. Here is an example of legal complaint i will have my attorney file as another class action : FACTUAL BACKGROUND 1. PAYPAL has placed a 180 day hold on my funds as they continue to place a " holds '' on Consumer 's ' own funds in their own PayPal accounts. PayPal fails to inform consumers and myself of the reason ( s ) for the actions PayPal has taken, even telling Consumers " have to get a subpoena '' to learn the simple information as to why PayPal is holding, and denying my/their access to, our own money. 2. Paypal 's apparent justification for these 180 day expropriations is an expansive interpretation of a provision of the Paypal User Agreement ( the " Agreement '' ) which allows them " in its sole discretion '' to place a " Reserve '' on funds held in certain types of accounts where Paypal believes that there " may be a high level of risk associated with our/your account. '' 3. However, Paypal violates its own agreement by imposing the holds on mine/users ' accounts where it has no reason to believe there is a " high level of risk '' associated with mine and/or users account or transactions. Paypal further violates its own Agreement by failing to provide adequate notice to me or users ' whose accounts have had holds placed on them. When Paypal informed me and other individuals ' whose funds are being held of the holds, it does not inform us why such funds are being held, how they can reasonably obtain a release of the hold, and/or how they can avoid future holds being placed on their accounts. The Agreement requires Paypal to, at a minimum, provide notice to such users of any holds placed on their accounts that includes both the reason for the hold and an opportunity to request restoration of access to the held funds. Paypal 's " notice '' falls far short of what is required. As a result, I nor other consumer 's have no idea why our money is " held '' by Paypal. | ||||||
| 06/09/2016 | Yes |
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| I made an international purchase on eBay and attempted to make payment via PayPal. PayPal automatically defaults to having the money taken from your bank account, and you have to click additional screens to have it changed to credit card. When I attempted to make the payment the first time via credit card, the transaction was declined by my credit card company ( potential fraudulent transaction ). I immediately called my credit card company to authenticate myself and authorize the charge. The credit card company cleared the block from my account, and I kept them on the line while I attempted payment again. The second transaction went through, but unfortunately I noticed after submitting payment that PayPal had re-defaulted the funding source to my bank account instead of my credit card. As such, the transaction was processed out of my bank account instead of using my credit card as I originally specified. I called their customer service, and was on hold for XXXX minutes before talking to a representative, who told me she could n't help me, but could escalate me to their dispute resolution department, who could reverse the charge/withdrawal from my Bank account, and allow me to re-process the transaction with my credit card. I had to wait on hold for a further XXXX minutes for someone in that department, only to have them tell me once connected there was nothing they could do. Their only resolution was to have me dispute the charge with the eBay seller, who would hopefully refund my money and then I could process the transaction again. As I do n't want the eBay seller to think I 'm the one being an unreliable and deceptive business partner, I let the transfer from my bank account stand. I believe PayPal 's business practices are unfair, deceptive, and abusive for the following reasons : 1 ) Defaulting payment method to Bank account : the consumer should be able to permanently specify the default funding source, rather than having it always default to the linked bank account and having to change it for every transaction. I believe PayPal does this so that, by making other funding sources more difficult, they will have to pay fewer interchange fees for credit card processing, which increases their profit margins ( for business transactions, PayPal charges the recipient of the funds interchange fees regardless of the funding source, so if funded from a Bank account this difference goes straight into their pockets ). This also reduces the consumer protections available to the purchaser, since you then have to follow PayPal dispute processes if you have problems with the transaction ( which are generally not as favorable to the consumer than what is required by regulation and/or offered by most credit cards ), instead of having credit card protections in addition to PayPal dispute mechanisms. 2 ) When processing international transactions through PayPal and funded from a Bank account, PayPal discloses the exchange rate you will receive, and deducts dollars from your Bank account. However, they do not clearly disclose at the time of the transaction that this exchange rate includes an embedded 3 % foreign transaction fee, nor give you the option of charging your bank account directly in the foreign currency. Transactions funded from a credit card are charged in the foreign currency. My bank account only charges a 2 % foreign transaction fee, and my credit card only charges a 1 % fee. By defaulting payment to my bank account and/or not giving me the option of charging my bank directly in the foreign currency, my transaction cost me more than it otherwise would have, to PayPal 's direct enrichment. 3 ) Not unfair, deceptive, and abusive per se, but making customer service contact numbers difficult to find on the PayPal site and having wait times approaching an hour likely have the result of discouraging consumers from exercising their rights. | ||||||
| 05/27/2020 | Yes |
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| Hi, this is about my paypal cash account which I use as my bank account, I have a paypal debit card and all that comes with it as do many others. I decided to use my direct deposit on my paypal account for the first time for my Economic Impact Payment/Stimulus Check from the Federal Government & the IRS. The IRS says that my stimulus check of {$1200.00} Dollars was deposited to my paypal account on XX/XX/2020. The problem is that I STILL have not received my money from Paypal nor have I heard anything about my money. Paypal has shut down pretty much ANY form of contact with them. When I reached a random person through their messaging system they were no help and keep say it will 2-5 business days before the money goes into my account! Then when I tried to reach out again on the 8th day today I can not get any answers! The person on the messaging system first said ok I will try to help. I think you can check that through your paypal debit card. Do you have your paypal debit card with you? I didnt even get to respond before it immediately XXXX me out of the conversation and said a very strange error message saying that it could not display messages? Seriously?! Ok, so I went back into the messages, I replied to the guy that yes I did have my debit card. I immediately got a prewritten response stating that the messaging center is not available due to Covid 19 and that I need to go into the help center and go under debit card and send an email!!! Are you kidding me! Again, I went and wrote the long email begging for my money and some answers. I then hit send on my email and BOOM, another strange message pops up telling me that due to Covid 19 they are short on staff and that I cant use email that I need to use the messaging system but that it could take several hours to get a response! Magically my email disappeared and I lost everything I wrote again! This keeps happening and I keep being sent back and forth! This is happening to TONS of people and we are all posting on the paypal forums and on PayPals XXXX! We are desperate for our Stimulus money, we all need our money badly. Paypal is withholding Federal Government Economic Impact Payments which is extremely illegal. These are not paychecks as Paypal continues to claim in their responses to other people on here that file a claim. This money that they are withholding from TONS of paypal users is EMERGENCY STIMULUS checks, NOT a regular paycheck. Even when we wait the 2-5 business days we are STILL not getting our money! Then Ive seen some people say that if paypal has finally released the money to peoples accounts they are putting a hold on their money where they STILL cant access their money until they contact paypal which NO ONE CAN CONTACT THEM! Regardless they CAN NOT WITHHOLD FEDERAL ECONOMIC IMPACT PAYMENTS for any reason! How are they getting away with this?! Thousands of us paypal users are being played by Paypal and its not right. We are all being lied to and put off. We are all discussing and trying to figure out if we need to file lawsuits against Paypal and sue them for not only our federal economic impact payments but for pain and suffering as well. Please please someone help us be heard and help all of us paypal users get our money that we desperately need and deserve. Paypal has been advertising Fast & quick federal stimulus payments if you use direct deposit through paypal for our stimulus checks. That is a trap! What are we supposed to do!? We have contacted the president and many others hoping to be heard! When I say we Im referring to all of us paypal users that have fallen victim to this Federal Economic Impact payment disaster/scam with Paypal. I dont know what Paypal is doing or why they are doing it but Im tired of not getting my money or any answers. PLEASE HELP US GET OUR MONEY. Im a single mom of XXXX little ones and I need my stimulus money right now. | ||||||
| 04/25/2018 | Yes |
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| Hi, On XX/XX/XXXX, a buyer purchased an expensive XXXX saute pan from me on XXXX ( original listing with photos found here : XXXX XXXX XXXXXXXX ). The item was shipped through XXXX 's international shipping program, meaning that I as the seller simply shipped the item to XXXX international shipping headquarters in XXXX, KY, and then they take care of actually shipping the item overseas. OnXX/XX/XXXX, the buyer requested to return the item on the basis that it was " too heavy ''. My returns policy in the listing clearly states that that I do not accept returns. Of course, XXXX still allows buyers to return an item if it arrives damaged or not-as-described in the listing ; however, there was no claim of the item being damaged or defective - being " too heavy '' is simply an attribute of the pan being high-quality stainless steel and I told the buyer I would not accept a return. The buyer then proceeded to open a case through XXXX. XXXX emailed me to say that I had to arrange return shipping on XX/XX/XXXX. Not only was I not obligated to do this as the seller of an appropriately-described item, but because the item was shipped through the international shipping program, I did not have any means of providing the buyer with a return shipping label as I did not have their address - I don't even know what country they are located in! I emailed XXXX back on XX/XX/XXXX responding to that email, stating that I was requesting an appeal, but never received a response. I certainly do not think I should have been expected to have a heavy pan shipped back to me without valid reason. XXXX then proceeded to simply issue the buyer a refund. So {$250.00} was deducted from my PayPal account, the buyer is keeping the pan and not responding to my requests to send the pan back to me, and XXXX denied my appeal with no rationale. At this point, I am left - {$250.00}, extremely stressed as I am 7 months XXXX and have many extra expenses. This item was essentially stolen from me. It is written in XXXX 's Seller Protection Policy, found here under XXXX Moneyback Guarantee Requests : XXXX XXXX XXXXXXXX XXXXXXXX " If a buyer reports that an item isn't as described If the buyer starts a return request because an item isn't as described in the listing, then asks us to step in and help, you are protected if you offer free returns. You may also be protected if you provide clear documentation that the item was described accurately and consistently in the listing. This documentation can include photos of the item that you upload to XXXX during the returns process. Examples : 1 ) A buyer requests to return an item for a refund because an item isn't new or has minor scratches, but the listing clearly and consistently describes the item as used 2 ) A buyer opens a return request because of a defect in an item, but the defect was accurately described in the listing 3 ) A buyer opens a return request because they didn't want the item, but the item was accurately described in the listing Appeals Buyers and sellers have an opportunity within 30 days from the day a case is closed to appeal our decision by providing appropriate documentation in My XXXX. '' This seems to clearly be a case that falls under # 3, where a buyer opens a return request because they didn't want the item, but the item was described accurately in the listing, in which case my " no returns '' policy should have been respected, and XXXX/PayPal should not have removed funds from my account. I pay substantial selling fees to XXXX regularly, and yet there seems to be no true protection of seller rights, and the appeals process clearly makes no effort to review the case facts. Buyers can not expect a brick and mortar shopping experience, and certainly can not expect sellers to pay for return international shipping over buyers ' remorse. Please let me know how I can proceed. Thank you. | ||||||
| 03/01/2016 | Yes |
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| On or around XXXX XXXX 2016 someone used my Paypal account to make XXXX dollars in fraudulent charges against my checking account and credit card, maxing out my card and overdrafting my checking account, effectively leaving me with no money. I immediately canceled my card and had my bank place a stop payment on future Paypal transactions. I also informed Paypal of the fraudulent transactions. Some did n't go through because there was n't enough money in my account, and my bank issued temporary credits to cover the charges that did go through so I would n't be overdrafted and could access my money. Things seemed fine. Then, a few days later several new charges for thousands of dollars appeared in my checking account. Paypal later informed me that, whenever a transaction fails because there was n't enough money in the account to cover the transaction, Paypal automatically " represents '' the charges to the bank a few days later in an attempt to try again. Paypal did this despite the fact that I had already flagged the charges to them as fraudulent. My bank assured me that when the charges were done processing the stop payment would apply and my account would return to normal. But in the meantime, while those charges were processing my account was again overdrawn and I had no access to any of the money in my checking account ( at a time when I needed to pay my rent ). And if I had n't thought on my own to place a stop payment they would have gone through, using up the temporary credits ( and what if I had since placed more of my own money into that account? ). This is the primary reason for my complaint. Paypal knew the charges were fraudulent and tried to complete them anyway. Furthermore, wait times to speak to Paypal 's fraud department were at least XXXX minutes, and on one occasion I waited for over an hour. I had to take the equivalent of a day and a half off of work to deal with this situation, and much of that time was spent simply waiting to talk to someone at Paypal. Furthermore, Paypal failed to protect me from harassment. XXXX of the individuals to whom my checking account was used to make fraudulent payments, who had received my name from Paypal, began contacting me. He tried to friend me on XXXX and after I refused his friend request he private messaged me on XXXX. At first he was n't up front about what he wanted, then when I asked him directly he insisted I owed him money. After I repeatedly told him there had been a fraud and he should make a claim to Paypal, he started to threaten me, claiming I was an accomplice and ignoring my requests to stop bothering me. I notified Paypal of this behavior ( after waiting on hold for over an hour ) and they assured me that they would reach out to him to tell him he should n't be contacting me. A week or so later, XXXX notified me that someone had tried to hack into my XXXX account. I ca n't prove this was the same person but that would make sense. To my knowledge Paypal has done nothing to protect me from this person. I did report everything about this incident, including the harassment, to the XXXX and have heard nothing back from them to date. In the meantime, I saw that much of the money that had been fraudulently charged to my checking account had been returned to my Paypal account ( approx {$1900.00} ) so I transferred it to my checking account to reimburse my bank for the temporary credits, which I needed to pay back. Days later, I suddenly received multiple calls in one day from Paypal demanding that I immediately return this money to Paypal or they would send it to collections. They claimed that because the fraudulent transactions never went through I had been repaid twice. Paypal demanded immediate action so I paid them via debit card over the phone for {$1900.00} that day, without opportunity to review my account. Paypal was right, but its methods were coercive. | ||||||
| 07/20/2019 | Yes |
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| I made a purchase from the PayPal Digital Goods Store on XXXX back on XX/XX/XXXX of this year, I purchased 2 {$100.00} XXXX giftcards during a promotion that PayPal was running on XXXX. My intent was to use these on a reservation that my mother had made on XXXX for XX/XX/XXXX. However, in XXXX, when it came time to pay the 2nd portion of the payment to XXXX, I was informed from them that we could not use these gift cards because we were attempting to use them on the 2nd portion of a split payment. I understand that you should read the Terms & Description before purchasing an item, but this specific exclusion was not listed on the XXXX listing at the time of my purchase. These were the only Terms & Conditions listed on the listing : " XXXX Terms and Conditions Funds do not expire. No fees apply to purchase/activation of Card. Redeemable for merchandise and services on XXXX only. Cards cant be redeemed for cash except as required by law. Not valid as payment on credit account or for gratuities. Treat this Card as cash ; lost, stolen, or damaged Cards may be replaced at the Issuers election, if at all, only with Card purchase receipt and Card number, and then only for the Cards remaining value. Issued by XXXX XXXX XXXX XXXX For Card and balance info, call XXXX or visit XXXX. If your purchase exceeds the unused balance of the Card, you must pay the excess at the time of purchase using another payment method. '' As I was using these gift cards for the purchase of a service, I should have been eligible to use them. The PayPal Digital Goods Store failed to list the Terms & Exclusions that XXXX list on their website. Proper procedure would be to print the exact Terms & Conditions that XXXX lists on their website as to not dissuade customers that are purchasing from XXXX. I have contacted XXXX XXXX times about this, PayPal 3 times, and XXXX twice. I have gotten the runaround from all of them that I should contact the other service to see if they can work something out on their end. As this ultimately was the result of an inaccurate listing by the means of the PayPal Digital Goods store, I believe that they should be held accountable for the mistake. Looking over PayPal 's Purchase Protection program, I have highlighted the key applicable elements to my case : 1. The item is materially different from the sellers description of it. 2. The item is unusable in its received state and was not disclosed as such. 3. The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. I have already tried to file a dispute through PayPal, but that was pretty much immediately closed in their favor. From my point of view, it wasn't a very fair case to begin with. It's hard for an objective decision to be made when the party that gets to decide the outcome is the party that is being accused. At the same time, these are unethical business practices that XXXX is committing. Not allowing a gift card to be used for a portion of a payment is incredibly predatory behavior. When you purchase a gift card, you assume that you will be able to use it on any type of goods or services on that site. For an example, if you buy a XXXX XXXX giftcard, you have the expectation that it can be used on any purchase made at XXXX XXXX. When I tried to resolve this issue through XXXX, they could not do anything to help because they say that their terms list that the gift card couldn't be applied to the 2nd portion of a split payment. However, I even offered an alternative where they could just remove the gift card from the account so that I could try to resell it. They also would not allow this. XXXX is trying to trap consumers into storing giftcards on their accounts for as long as possible. These practices by both PayPal and XXXX should be seen as completely unacceptable from any business. | ||||||
| 05/03/2016 | Yes |
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| I payed my XXXX bill Online through my PayPal account to my PayPal Credit as I always do, which it does n't give you a confirmation # direct from the site but does tell you that the payment 's pending. I logged off & went about my business, about a week later I got a letter from PayPal Credit stating my account was past due, since I 'd made the previous months payment I was confused and called them which was around XXXX XXXX. The CSR who helped me told me the payment did not post and she arranged for payment to be taken from the account I have linked to my PayPal within the next day and I also asked her to arrange a payment to be taken for the XXXX bill which was coming due in about a week. I 'm very sure I told her to take the payments from my account ( XXXX Bank ). A day later I got a letter from another bank which I have an account but never use. The letter said I had an overdraft fee and upon going to the bank and asking about the charge they told me it was from PayPal Credit. I was even more confused since I never pay my bill with that account or even use it since last year and it was not linked to my PayPal account for over 2 years. I called PayPal Credit back on the XXXX XXXX to ask why they would have pulled from that account and the man I talked to was very rude and basically told me his supervisor had to listen to the tapes and that I would have to call back in XXXX5 days. I told him that I think they should be calling me back since this is their mistake and that XXXX5 business days was not ok with me since every two days another overdraft fee is assessed. I was on my way to work and after talking with this CSR I also told him that since I had set up another payment with the lady the last time for my XXXX bill I wanted to make sure that the payment would be pulled from correct account.. he said he did n't even see a payment that would be posting and since it was obvious this particular CSR was not willing to resolve my issue, I hung up. I again called the next day and explained to the lady I talked to that day how unsatisfied I was with their service and my issues of calling more than enough times with no resolution and how I have a XXXX baby and pay per minute to call them and that I have better things to do than call them every other day so they would fix their mistake.. She told me she would talk to her supervisor and they would listen to the tapes and call me back. No one called me back. A few days later after checking the delinquent bank account I noticed that on the XXXX of XXXX they tried to charge the wrong account again but the bank denied the payment because I told them not to process another payment to that company. I waited a few days and called them back since I still had not heard from them that guy that day had no clue what I was talking about and could n't even see the pending charges and payments. Calling the next day the lady that day promised she would call back on XXXX XXXX. They set up a new payment for the current bill from the correct account and she did call me back the next day but I missed the call as I am busy with a newborn. I again called back XXXX XXXX and they are still telling me to call back the XXXX. Which is almost a month from when they pulled the payment. The lady I spoke with today was not helpful at all and when I asked her about my current bill due and why the minimum payment due was now more than it ever was, she told me she could n't tell me why and that it was based on a 3 % percentage, I asked her if I owed less now than ever before, would n't the 3 % Percentage be less? She could n't give me an answer and put me on hold for a supervisor. This is like the 10th time I called, about the XXXX person I 've told my issue and have n't had resolution nor do I feel the company is trying to do anything, yet they can take my money and send bills with higher minimum payment due? | ||||||
| 03/14/2017 | Yes |
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| On XX/XX/XXXX my account was limited, they were requesting some more information in the resolution center. They asked for several things including Photo ID, Proof of Address, Supplier Contact Info, Supplier Invoices and Proof of Delivery. Keep in mind, they already had most of those things since Paypal has already limited and reviewed my account on XX/XX/XXXX and XX/XX/XXXX and requested that same information which I have provided and they accepted. Despite that, I followed their instructions and submitted the information they requested except for one, Proof of Delivery. When I clicked on Proof of Delivery, there were no transactions to provide proof for, so of course I could not provide proof. I called to explain that to Paypal that same evening and I was told I would get an email explaining how to provide the proof of delivery, the email was an automated one and had no instructions regarding my issue which was discussed on the phone, it simply said to log in to the Resolution Center and provide everything they need in order to resolve this matter, but of course I still could not provide proof of delivery since it was n't working. They never fixed the Proof of Delivery bug they just sent me an email saying Appeal Denied. After trying hard to get in touch with someone with authority, a higher tier supervisor finally called me. XXXX ( higher-tier supervisor ) called me the following evening ( XX/XX/XXXX XXXX ) from an Unknown number and apologized for the way Paypal was handling the case. He said he 's calling me to help me resolve this asap. He said he had Paypal put a second set of eyes on the account and that he agrees the Limitation and closing of account with funds frozen for 180 days is uncalled for and unjustified. He said he just has a few questions for me and I should be getting an account restored ( issue resolved ) email within a few hours or at the very worst a phone call asking more questions from him or a colleague. A few hours later I still did not get an email from Paypal or a phone call like I was promised. I waited til mid-day Friday XX/XX/XXXX and I still did n't receive a phone call or an email from Paypal. I called again I was very concerned since the call from XXXX the supervisor from the past evening was from an Unknown number and I discussed personal as well as business information. When I called Paypal, the rep said there was no evidence, no notes and no push for review or even evidence of a call from the supervisor to me Thursday 's evening ( XX/XX/XXXX ). I insisited he double-checked, he came back saying there 's evidence of a call but no notes of it and no push for review. I asked to speak to XXXX but he apparently was not available. I asked to speak to other people with authority & all I was told was that there is NOTHING I can do, my account is closed & they are keeping my money for 180 days. Paypal has been inconsistent with the information they asked from me, inconsistent with the reason for my account limitation and even more inconsistent with what their reps tell me on the phone. They claim my account is limited due to a high-dispute rate, but Paypal was aware of that high-dispute rate back in XX/XX/XXXX when they reviewed my account and they chose to work with me. They asked for a {$5000.00} USD Set Reserve + a 10 % XXXX to cover their risk, which I agreed to. Now that my sales have slow down, Paypal chose to close my account with {$40.00} XXXX in order to lock it up and make money on interest for the next 180 days. They do n't provide any ways to work with them and come to a resolution, they just put the hammer down, close my account and keep my money. That money is mine, not theirs. That is money I received from customers who successfully received their orders. There are thousands of similar cases online, many in which Paypal has lost in court or settled. | ||||||
| 04/03/2017 | Yes |
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| Hello, I recently set up my first online business called XXXX XXXX. This whole process has been a complete learning process for me. After getting off to a slow start, business finally started to pick up for the month of XXXX. I made sure that every single order was processed and shipped out. Now, due to technical issues with my email support server at XXXX, customers were receiving there order confirmation, but were not receiving their shipping confirmation ( tracking numbers ). Being that customers were not receiving there shipping confirmation emails, they began to get worried and as a result, some customers opened disputes on PayPal as there only way of communication. Once I realized the trend with customers saying they are n't receiving tracking and that emails to XXXXXXXXXXXX were not able to be sent, I quickly called XXXX and worked with them to resolve the issue ( support email is working fine now ). As a result of all the disputes filed, PayPal placed an account limitation on my account which prevented me from accessing my money and demanded I provide extra documents and resolve all of the open disputes. ( Fair enough for the commotion ) During this whole process I was working hand in hand with paypal, sent all the required documents, updated every single customer tracking number, and called every single day to resolve all of the open disputes. I 've dealt with very helpful agents, as well as agents who really did not want to help me at all. At one point they even permanently banned me and realized they did not have any reason to, being that I was working with them diligently, and all the information was presented, ( i.e : confirmed proof of deliver to numerous disputes that were opened ), that they appealed there decision and brought my account back to temporary limited access. I had since been working tirelessly to close out all of the disputes, even taking it as far as allowing PayPal to issue full refunds to certain customers for the inconvenience of the whole situation and still allowing them to keep the product they paid for. On XXXX/XXXX/2017 after working with paypal for over an hour, I was finally able to close out all of the disputes. The representative I worked with was amazing and really helped me out. She then transferred me to the limitation department for review and I was greeted by an underwhelming agent who sounded like she hated her job and was n't so motivated to help. She did not allow me any opportunity to explain my situation at hand prior to her decision. After she had already made the decision to permanently ban my account I literally had to beg her to allow me to speak to someone else. She finally got her supervisor to review the account for me, after he reviewed my account, he said there is nothing they can do because I had already had been granted an appeal before, which was absolutely ludicrous. The only reason I had to even get an appeal done was because I had to deal with an agent who messed up and sent my account to review even though I was not even close to closing off the disputes. Of course they would ban my account, and of course I would have to call them and have them check there records and realize there was no reason for all that to have been done, no reason for my account to have been sent for review so early in the first place, being that everything was being worked on faithfully and with honest intentions. I tried to explain this whole situation to them but they were unwilling to even consider my reasoning and just continued to reiterate there is nothing they can do. This whole situation started from a third party issue with my email server hosted by XXXX and it has since been resolved, so to be banned after spending so much time and effort working with PayPal to prove I am a legitimate business is completely unfair and I really feel like I have been XXXX over big time. | ||||||
| 03/02/2017 | Yes |
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| PayPal Attention : Legal Department XXXX XXXX, California XXXX To Whom May Concern : I am writing this letter about my experiences with PayPal. I am the victim of identity theft. My brother stole MY identity, as well as that of my mother and my father and used our information to commit fraud. In XXXX, he hacked into my computer as well as our cable TV system while I was at work, and my parents were at work, and ordered pornographic materials. In addition, he opened several credit accounts in my parents name ( even after my Dad passed away in XXXX ). Most recently, he successfully opened a credit card in my name, which, fortunately, I was able to intercept before he was able to use it. Over the years, we filed the appropriate police reports, and I also opened an identity theft report with the federal government as well. In XXXX, my brother moved out and " ran '' from his creditors and is currently living out of state. There is an open, active, and on-going investigation by the Connecticut State Police. He has been advised that he is to have NO FURTHER CONTACT with us, including using our name, address, or telephone number for his personal business! Going back a little bit, PayPal blocked my HOTMAIL account for violating their terms of use policy. To date, I have NOT received ANY documentation of this violation. Around XXXX, I opened a new PayPal account, using my GMAIL address. I used this account for XXXX YEARS, primarily for XXXX and some recurring payments on-line. During this time, I had NO PROBLEMS. In XX/XX/XXXX, PayPal all of a sudden, blocked my GMAIL account for UNKNOWN reasons, citing only my previous issue connected to my HOTMAIL account 11 years ago. I contacted PayPal SEVERAL times, explaining the situation, and all I get are " appeal denied '' emails. I have even forwarded PayPal letter from the FTC verifying y identity theft case AND the case #, officer name, and other information from the CSP regarding my identity theft issue, and, once again, received only " appeal denied '' emails. At this point, I have begun to look into taking legal action against PayPal. I have contacted the Federal Trade Commission to file a complaint, however, they require additional information. I have also contacted an attorney, and he advised me to get additional information before I hire him to pursue a case against PayPal. Both the attorney and FTC have advised me that PayPal is considered a financial institution, and is governed by federal and state law ( s ). XXXX of my rights, under the law, is a right to a copy of ALL information related to a financial transaction conducted, using MY name and/or banking information. I have requested this information by e-mail, and my request was denied. I also spoke with PayPal customer service several times, and they were also UNABLE to provide me the information I requested. During the most recent phone conversation, the representative advised my that I had to put my request in writing, to the legal department at PayPal ; and that is what I am doing. I am hereby OFFICIALLY requesting ANY and ALL information, as well as a detailed explanation of the transactions on my ORIGINAL HOTMAIL PayPal account that violated the acceptable use policies of PayPal. I am also requesting a review of my GMAIL PayPal account and a detailed explanation as to why this account has been blocked, as it has NOTHING to do with, and is NOT connected to my HOTMAIL account. Please send all information and documentation to : XXXX XXXX XXXX, Connecticut XXXX I am hopeful that we can resolve this matter out of court, as all I am requesting is a review of my GMAIL account, and the full restoration of my GMAIL account privileges. I have provided PayPal with all the appropriate documentation regarding my identity theft issues. Thank you in advance for your time and assistance with this | ||||||
| 06/25/2017 | Yes |
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| Dear XXXX : RE : PayPal Case ID # XXXX My complaint is about PayPal. This started when I was scammed by company called XXXX on XXXX XXXX, XXXX. They first hired me via email as an XXXX, XXXX XXXX XXXX, stating they are a XXXX company ( XXXX ) who does selling items, antiques online and since their employees are having hard time to communicate in English. They required me first to open a PayPal account in order for them to send my salary. I accepted their offer and after a week they told me that XXXX XXXX wo n't be available anymore but they are giving me a new job as a XXXX. My job is to XXXX XXXX XXXX XXXX XXXX here in the U.S., they said they have a receiving limit of funds to PayPal of only {$300.00}. in their country, so i thought everything 's going to be alright so I accepted their offer. The first and only transaction with XXXX company started XXXX XXXX, XXXX when they said that they delivered or shipped an item to their client named XXXX XXXX PayPal sent me the invoice of the shipped item and it 's described a XXXX XXXX XXXX XXXX XXXX with a price of {$9700.00}. less {$20.00}. shipping and PayPal fee of {$280.00}. XXXX also sent me details of their delivery and provided me the XXXX tracking to be given to PayPal in order for them to be able to verify and confirm the delivery of the product. XXXX XXXX, XXXX, per XXXX tracking, the item is delivered but because of PayPal regulations that they need to make sure its received by the buyer they hold the funds for one week. I was confident that when they cleared the funds to me, they already thoroughly investigated the delivery. XXXX XXXX, XXXX, PayPal cleared the funds and with the instructions of XXXX XXXX to withdraw the funds from my account and send to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX via XXXX XXXX Net amount reflected to my PayPal account was {$9400.00}. This said amount, {$9400.00}, XXXX paid me 5 % of the net amount and {$160.00}. for one week editing job and {$100.00}. for the next day delivery cost of XXXX to XXXX XXXX. They were supposed to pay me a one month salary of XXXX but I was made to believe that it will be given on the one month that I work with their company as XXXX, which was XXXX XXXX, XXXX but did not happen because they 're already busted on XXXX XXXX, XXXX, of course did not hear from them. The total amount sent to XXXX XXXX was {$8700.00}. However, XXXX XXXX, XXXX, i got an email from PayPal stating about the buyer '' s dispute. I was shocked and confused because I thought, PayPal verified very well the transaction first before they cleared the funds. I made further investigation on XXXX under the name of XXXX XXXX and found out that I was not the one on this kind of situation. There were several people also who are on the same situation as me and very unhappy on how PayPal dealing their business. They should be aware that their company is used by scammers and should do something about it. I explained everything to PayPal, send them letter of my predicament and the XXXX delivery confirmations which they requested but unfortunately, they on deaf ears about it. Then XXXX XXXX, XXXX, they emailed me about informing about a charge back fee of {$20.00}. then today XXXX XXXX, XXXX, an email stating that i need to pay them a total amount of {$9700.00}. to avoid additional collection efforts. Actually, I sent a complaint to the FBI Internet Crime Center online on XXXX XXXX, XXXX but did not hear from them yet. I am just a simple housewife. I prefer doing work at home because I am caring for my husband on his medical issues, who is already senior and needs monitoring taking his medicines. Please help me to resolve my issues with PayPal. If you need additional information regarding this matter, please let me know and will gladly provide any evidences your good office may need. Hoping to hear from you. Thank you very much. | ||||||
| 07/17/2015 | Yes |
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| On XXXX XXXX, 2015, Paypal paid a XXXX $ XXXX dollar civil penalty along with a designated XXXX $ XXXX customer refund fee due to alleged deceptive business practices within its Bill Me Later/Credit option. On XXXX XXXX, 2015, I made a XXXX $ payment to paypal with what I believed to be a possible MasterCard/Visa, ending in XXXX and XXXX respectively. At first I was given the option to use the Bill Me Later, and i clicked No and continued with my card. I tried one or two more times before realizing on-site malfunctions would not allow that payment method, although there was no issue on my end. I read the terms and service of Bill Me Later, noting that I would receive a XXXX $ credit refund, and that the XXXX $ would be charged and payed off XXXX month after the initial payment date. I clicked to use the card anyway after refreshing the page countless times, and eventually it went through. I had a feeling it enrolled me with credit, but had no way of knowing at the time. On XXXX XXXX, I received a XXXX $ late fee followed by the option to pay an additional {$0.00} interest charge to avoid standard/deferred interest on the payment. I received additional late fees/interest charges as follows : XXXX XXXX : {$35.00} ; {$2.00} XXXX XXXX : {$35.00} ; {$2.00} and XXXX XXXX : {$35.00} ; {$2.00}. I called around XX/XX/XXXX after noticing these charges, although I received no email, phone, mail or on-site notifications, to the credit line of Paypal via a listed phone number from the site. The first woman I spoke with, before letting me explain my situation, removed some late fees in an overzealous manner, informing me to call back after I received permission from the cardholder to give the card number over the phone. She said it had to be done to remove late fees, and by contacting paypal, and not the credit company I was speaking with, I would disqualify myself from that option. However late fees and interest charges were still applied for that month and furthermore. I called back to inquire about why those were the circumstances and why I was still responsible for paying the initial XXXX {$.00} I received no help and was told that because I ( the paypal acc owner ) told them that I was not the cardholder, that they would need to speak to him directly, and were locking me out of any further maintenance to the account. However, my father ( the cardholder ) was not comfortable giving that information over the phone, and was more so skeptical of the matter itself, which leads me here. As of today, XXXX/XXXX/15, my owed total for credit is {$110.00}. I was told by the CFPB that they would contact me if I was eligible for compensation regarding this issue, however I believe I have been affected by the following, directly relevant to the lawsuit Paypal participated in : Abusively charged consumers deferred interest ; Deceptively advertised promotional benefits ; Enrolled consumers in PayPal Credit without their knowledge or consent ; Made consumers use PayPal Credit for purchases instead of their preferred payment method ; Engaged in illegal billing practices ; Mishandled consumer disputes about payments.I am worried that this entire debacle will impact my credit, cause undeserving financial issues, and impair the functionality of my account, seeing as I 'm in the process of linking my bank account. Attached are screenshots of all necessary and relevant files, such as evidence of abusive interest, continued late fees even after removing them *in what I BELIEVE to be an effort to bury the dispute and avoid the lawsuit charges*, along with paypal credit statements, credit transaction history, and an informative on the deferred interest policy along with a credit summary. Please click " XXXX Image '', " XXXX Image '' and so forth at the following XXXX links as necessary, seeing as I can not attach some " screenshots ''. XXXX | ||||||
| 01/10/2019 | Yes |
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| This is a complaint about PayPal Merchant Services. I am an XXXX. I have used PayPal to handle credit card payments from clients for years with no problem. On XX/XX/2018, a potential client contacted me at the XXXX XXXX XXXX XXXX. She had a XXXX issue. I agreed to handle it for a flat rate fee of {$500.00}. It is fairly easy to do on PayPal. I got her email address, created an invoice which sufficiently described the service and emailed it to her. She immediately paid it. I started by writing a letter to an involved third party. Before I sent it, I called some attorney friends and experts in the area involved. After finding out the possible best course of action, I contacted a particular state employee in her county. The employee told me that she could handle it if my client brought her original divorce documents to her with a {$40.00} fee. I also took down the name of the state official, and she took down my client 's name. I called my client at my office and scheduled an appointment on a morning in early XX/XX/2018 to meet at my office to return her original documents and tell her who to see to handle her issue. My billable hourly rate is {$200.00}. I exceeded the {$500.00} threshhold but did not bill her for excess due to the flat rate agreement. I never heard anything back. Several days later, I received an email from PayPal indicating that {$500.00} had been removed from my PayPal account. PayPal told me that the lady had just reported it to her banking / financial institution, who issued the payment to PayPal, as an " unauthorized transaction. '' It was noted as " item not received. '' I called my client and left two voice mails asking about the transaction. No return call. I wrote an email, which was not returned. Then, I called the state official, and she told me that my client did not come by. I wrote my client and asked her what was wrong, because I had completed my job. Again, no return call or email. I filed a dispute, as instructed, in PayPal 's " Resolution Center. '' The dispute is still " under review, '' as PayPal indicated that they are trying to work with her bank. I was told that PayPal 's " Seller Protection '' did not apply to " intangible services. '' Intangible services are vaguely defined in PayPal 's user agreement, but do not include " XXXX services. '' It is very debatable that the service was intangible, because her documents existed, she met me twice at my office, the document in question, an auto title, existed, and I now know the state official. I have her email address and phone number. Everything is capable of verification. The lady had told me that she was low on money at one point, and my theory is that she did this to have more money for XXXX. The problem is that now that I have read PayPal policies, it is entirely unclear if the client did have a problem with my services, whether she should have used PayPal 's dispute " Resolution Center, '' contacted the credit department at PayPal, contacted only her bank, or done all of the above. Also, since PayPal directly reaches out to attorneys to do credit card transactions, and their services are not defined in exclusions to Seller Protection, why would PayPal immediately allow the removal of money from my account without any investigation. In fact, I don't know where the money is. Is it in escrow? Does PayPal have it? Does the client 's bank have it? If I had done the work, billed her, and she had not paid, it would be a debtor/creditor situation. However, since she paid me, I did the work and she stole it back, it is really theft of services and misrepresentation to a financial institution. I talked to a detective, and he presented it to the District Attorneys ' office. They agreed with me but said it would be better to pursue it through civil process. I decided to try to work through CFPB before paying to file a lawsuit. | ||||||
| 10/24/2021 | Yes |
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| I went to XXXX on XX/XX/2021 to cash my payroll check in the amount of XXXX and wanted to get {$150.00} back in cash and load the rest of my payroll money onto my PayPal pre-paid card. With the amount being over {$500.00} I was told I had to do two separate transactions. We did the first transaction off {$500.00} they charge {$4.00} to cash a check and {$3.00} to load the money onto my PayPal card but because I was cashing a check and loading onto my PayPal card at the same transaction they voided out the {$3.00} making the total she gave back to me {$490.00} I thought everything went through just fine so we continued with the second transaction I was only loading onto my PayPal card so I was charged another {$3.00} for that and then I gave them {$340.00} making my total {$340.00} Right after that thinking everything was fine I left XXXX went to my boyfriends work where I sat in the parking lot so I could pay bills online. Thats when I noticed that my account wasnt reflecting what it should the {$340.00} was there but not the {$500.00} so I immediately called XXXX they told me I had to go in with the receipt and talk to them in person because they had to look at the receipt. I then thought to call PayPal prepaid card. I ask them if they could see a transaction pending? They told me no, they have no way of seeing transactions that are coming in And the gentleman that I talk to at that time told me I should wait at least an hour, so I paid one bill online then went and put gas in And went back to XXXX by that time it had been at least an hour so I went in and talk to XXXX. XXXX told me that they had nothing to do with it the transaction went through just fine I had my receipt and that I needed to resolve the issue with PayPal prepaid card. Once again I called PayPal the lady I talk to the second time told me that it could take up to 24 hours but she would open a ticket with my concern. I waited the 24 hours then called PayPal customer service prepaid card agin spoke with a XXXX she asked me to Email a copy of my receipt transaction to her email address being XXXX so I immediately did while on the phone with her. She also told me that a ticket had never been opened the previous day and that she would open one for me ticket number XXXX. But I still did not have an answer as to where my money was I called several more times that day I spoke to XXXX then I spoke to XXXX I spoke to somebody else and then I spoke to a XXXX who is a supervisor she transferred me to XXXX told me oh she told me was with XXXX and he was the department I needed to talk to in order to resolve the issue. When I was talking to XXXX he told me that I needed to go back to XXXX I told him I already had been there he told me that PayPal would talk to XXXX so again I drove to XXXX. I got supervisor XXXX from XXXX to wait with me while I called PayPal prepaid again I talked to XXXX who put me on hold for an hour and 40 minutes tell a supervisor XXXX answered the phone. XXXX Told me I didnt need to be at XXXX that they were working on it and she did give me {$100.00} credit for the inconvenience so again I waited. The next day I called PayPal again to see if anything had been figure it out with my missing {$500.00} I spoke to XXXX who again said I needed to talk to XXXX So he transferred me and that call dropped so I called back spoke to XXXX got transferred a couple more times spoke to another supervisor I spoke to an L then I got transferred to a XXXX she was from financial services and she opened another ticket for ticket number XXXX. At this point I didnt know what to do I was frustrated I was looking online and I saw that it had happened to other people thats when I also read something that it could take up to 21 days so thats what I did I waited the 21 days and still nothing has happened on my PayPal card I dont have the money yet | ||||||
| 01/07/2016 | Yes |
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| First Pay Pal Credit has no idea what they are doing when refunds hit the account. I have sent in XXXX disputes which each one they corrected their errors of not removing the refund from my promotions due. When it comes to disputing a charge I disputed a {$110.00} hotwire charge transaction date XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. After XXXX letters to pay pal credit I just received an email today [ and attached ] that they finally got around to opening my dispute for the {$110.00} XXXX charge of 4 mo prior ARE YOU KIDDING ME??? There are currently XXXX charges on my account that I never purchased. The charge they say and date they give there is no charge of that amount on my monthly statements. It is really scary how they function. If I did not make the purchase and the purchase is not appearing on my statement how could they say I owe the amount they indicate. In addition they never disclose the Merchant the charge was made with? When did that become a secret. I have always paid on time XXXX A plus record however I told them after 6 months back and forth them correcting a multitude of their errors that until they correct my account I will not pay any more as they will put the payments towards charges that ARE NOT MINE. I am attaching the email received by Pay pal credit XXXX/XXXX/XXXX XXXX finally after XXXX faxes to them they finally opened up my dispute i requested on XXXX/XXXX/XXXX for {$110.00} merchant hotwire [ unbelievable ] I have also attached the final fax dispute to them detailing the XXXX remaining charges that are not mine and why. and the XXXX charges that are mine. which when corrected will give me a correct balance due of {$2700.00} not {$4900.00} as they incorrectly state. I have reported this to the credit bureaus completed fraud affidavits on these charges and sent all this documentation to PayPal credit and they still refuse to remove even though these charges never appeared on my statements. Lastly for each of the remaining XXXX charges that are not mine I have attached my statement showing NO WHERE is there a charge for the indicated amount for any merchant at all. I have never dealt with this I do n't know how they defraud the public but will not defraud me. PLEASE help and after YOU REVIEW THE DOCUMENTATION LET ME KNOW IF YOU NEED ANYTHING FURTHER THANK YOU SO MUCH Happy New Year! I have attached XXXX. Attachment XXXX of XXXX is my final dispute sent to them detailing the charges that are mine and the XXXX charges they placed onto my promotional purchase list due them although i never made any purchase for these amounts so attachment # XXXX is each statement that includes the charge dates the state for the XXXX charges and I defy you to find any charge at all for the amounts they say. Again they refuse to disclose the merchant which does n't matter as I never made and there are no charges in the amounts they state. Its a no brainer. Thank you from the my heart for your help. I am on the verge of a nervous breakdown. To summarize attachment # 1 the XXXX charges with no merchant they say i owe and they mysteriously placed on my account even though no charge purchase ever posted to my account for these amounts are as follows : XXXX/XXXX/XXXX for {$710.00} and XXXX/XXXX/XXXX for {$860.00} and XXXX/XXXX/XXXX for {$430.00} and XXXX/XXXX/XXXX for {$240.00} and XXXX/XXXX/XXXX for {$270.00} and XXXX/XXXX/XXXX for {$180.00} and XXXX/XXXX/XXXX for {$710.00} and XXXX/XXXX/XXXX for {$410.00}. So attachment # 2will show you my statements that include these above XXXX dates to show you these charges never appeared ever on my account so they can not be mine. Thank you Attachment XXXX contains XXXX statements under purchases and adjustments to see my purchases none of them are the XXXX above that are not mine hence they are additional of many errors but these XXXX left they refuse to remove. | ||||||
| 05/24/2022 | Yes |
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| On XX/XX/2020 I accidentally Venmo the wrong account {$700.00}. When I realized this, I contacted Venmo and asked them to reverse the transaction ASAP. They told me I need to contact the person who received the money and ask them to send it back. Which I did because I had his phone number from the transaction. He told me that his account balance was XXXX and he can't reverse the transaction because his account was frozen. I contacted Venmo and they told me to tell him to open a ticket and tell them it's okay to reverse the transaction. Which he told me he did... However for safety, I called the bank and put a stop payment on the transaction. Anyway, Venmo then told me because I was able to contact the other person. I must know him and that they can't reverse the transaction because I know this person. So basically they scammed me into contacting the guy and used it against me. Even though I followed their directions precisely. Also they were stalling for time while they took my money from my bank. Luckily I stopped them. I asked him why they allowed me to send money to a frozen account in the first place? why isnt the account closed? ( they didnt answer ) I continued to contact then to resolve this with no luck. So I let it go because I don't need Venmo. After they showed their true side and their methods. I would never use an evil company like this again. I told them to close my account and leave me alone. Anyway, a few month go by and a friend sends me {$200.00} on Venmo without telling me. I contact them and tell them to reverse the {$200.00} and ofcourse they ignore me and keep the money. I have screen shots of the conversation of most of these conversations. They then spend the next 2 years ( COVID years in which I lost my dad and uncle to XXXX and almost became XXXX ) harassing me and calling me at crazy hours of the morning to collect the money. In which I reply they owe me {$200.00} and after spending hours going in circle on the phone with them. We end up with no fixes to the problem. There were soo many calls in which they threated to ruin my credit, threatened to continue to harass me, and tried different ways to trick me into paying. Telling me they will refund my money once I pay and get the account to XXXX first. Anyway, most of these calls ended by me telling them to close my account and leave me alone. They did no such thing. Then on XX/XX/XXXX someone sends me {$2000.00} on Venmo. I was like that's impossible. They were supposed to close my account 2 years ago. They have no permission to be using my phone and identity to collect money from people. I contacted them and again they refused to cancel the transaction. I kept repeating to cancel the transaction. They told me to contact the guy and get him to agree to reverse the transaction. To which I replied, I'm not an XXXX. I know how this works. I contact him and then you say I must know him and use it to deny the reversal. I told them that they need to contact the guy and reverse the transaction themselves. That they can't force me to accept a payment and that they need to return the money to this man. I told them that I would report them to XXXX and CFPB. Especially since they are already under investigation for such collection practices. I told them that the original guy who i accidently sent money to... He owed them the money. Not me, not my friend who sent {$200.00} and not this man who sent {$2000.00}. That they need to fix all this or i will report them to the authorities. They then kept repeating that I should contact their collection department. Who has never in the past 2 years had the power to fix anything despite the many conversations I had with them. Please call them and get them to cancel the transaction and close my account and stop using my name and phone number to collect money from people. | ||||||
| 12/24/2021 | Yes |
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| I have had a PayPal account for a number of years. Up until two years ago I used it regularly. Since then every time I use this account there is always a problem. They always put a hold on my phones they never tell me why and I have to jump through all kinds of hoops just to get my money. I have no idea why but this time they have done it. I have been patient Ive been understanding but I am done. I am a senior citizen, I am XXXX and I am on a fixed income. I upgraded my phone recently so I could sell the phone I had just paid off to buy XXXX presents for my grandchildren. That may sound ridiculous but sometimes we have to be a little creative. This has been a trying year for everyone a little compassion understanding and love goes a long ways I try and practices and all my affairs and I expect that to be mutual. PayPal is the exception I am sorry to say. On XX/XX/XXXX I sold my iPhone on XXXX. The only motive payment XXXX uses is PayPal so I guess my better judgment I went ahead and made the sale. The purchaser sent the money to my account and sure enough PayPal put a hold on it as usual. I got a message from PayPal saying the hold would be lifted on XX/XX/XXXX that I thought I wanted my money sooner I could post the shipping information and they would release it upon the purchaser receiving the product i.e. my iPhone. I did so and assumed they had remove the hold on my account. As it turns out they had remove the hold for everyone else to access my account but me. I tried numerous times to transfer my funds of {$380.00} to my bank account it was declined every time I tried to access my funds to the ATM it was also declined. I made three phone calls on XX/XX/XXXX the date that the hold was to be removed from my account and was told everything from I had tried to many times to I had use the wrong pin to my address was incorrect too it had something to do with cryptocurrency and security ultimately over the last several days I have made at least eight phone calls been told so many different stories I cant even list them all ultimately I was told by a club supervisor today that they could not override the system and it had triggered some short of a security issue on my account and there was no one add PayPal that could override the system. I asked to speak to a supervisor I was told the same thing by the supervisor whose name was XXXX. I have spoke to XXXX, XXXX, XXXX, and several others that I can not remember their names to try and rectify this situation. Consequently it is XXXX XXXX I have not been able to get presents for my grandchildren Ive not been able to get my money they have allowed to XXXX debit to go through my PayPal account which I did not plan on paying I had planned on using this money for XXXX present. I was given several hollow apologies and ridiculous explanations but no solution. I was finally told the only way I can access my money was to contact a family member or a friend ask them to request money from me send it to them and have them give me my money from PayPal. I am upset I am crying I am beside myself and I can not believe that a company like PayPal would do something like this. Ive been hung up on Ive been promising to Callback I have been put on permanent ignore I have been lied to over and over by these people and not once have I been given any kind of explanation for why this is happening other than nonsense and lies. Im attaching screenshots of some of the phone calls I made the phone number for PayPal A portion of my PayPal activity showing a couple of the declines for the transfers also showing the XXXX is that they let go through my account. I choose what bills I pay not PayPal and how dare they not let me have my money. I bet they had money for the holidays. Given the events of this last year I guess its an appropriate end. Thanks for the XXXX cheer PayPal. | ||||||
| 09/28/2022 | Yes |
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| On XXXX XX/XX/XXXX, I made a personal selling agreement with a company called XXXX XXXX to sell my XXXX XXXX XXXX points. I successfully sold my points to them and received {$980.00} for XXXX points. The money was received through Paypal, which is designed by the buyer ( XXXX XXXX ). My login info of the XXXX account was sent to the buyer, On XX/XX/XXXX, I received an email indicating that a total amount of XXXX points was used to redeem a ticket for XXXX XXXX XXXX ( buyer 's client ). This indicates the selling was complete. On XX/XX/XXXX, I received an email from Paypal stating that the buyer disputed the amount of money they sent to me and claimed they did not receive the item, which is a fraud because they actually redeemed the points on XX/XX/XXXX. The email from Paypal suggests me resolve with the buyer personally with a deadline of XX/XX/XXXX. I communicated with the buyer on Paypal several times, and the buyer still denied the receiving of points. Thus I escalated to Paypal on XX/XX/XXXX, with receiving an email from Paypal asking me to wait until Paypal contacted me with more info. I have been waiting after I escalated the case to Paypal and hoping they could help me resolve it since the buyer keep denying it. However, after 2 weeks of waiting, I logged in to my account and found my case was CLOSED. I replied to the case within the defined deadline, but my escalation information was completely ignored by Paypal. And the case was just closed without any replying back to me or any contact to me. I was confused and called customer service around XX/XX/XXXX, to ask why they closed the case without any reply to me or contact me. The call took me 20 minutes to get through a human. The first agent did not understand my case well, and he kept asking for proof if shipping items. I explained it was a digital sale of XXXX points, and I explained that I uploaded all screenshots of the buyer purchasing the tickets with my points. The agent did not help resolve this at all, so I asked to get his manager on the phone. The manager firstly mistook my two opening cases, then he kept repeating what I uploaded in the case. I asked him to reopen the case and investigate for me, he kept saying other things to distract me, then he accused me that " you made a mistake that you sent your personal info to a stranger. '' I told him one of the reasons Paypal exists is to allow people to sell personal items no matter physical or digital, and that was the only way I could sell the points to them. Then he stated that my screenshot was not convincing enough to be proof of sending s because the name of the tickets did not match the money sender 's name. I explained to him that the buyer is the company that does this kind of business, and the tickets are for their clients, that's why the name wouldn't match. After a while of communication with this manager, he suddenly hung up my call and never called me back. The case remained closed as for now, and I did not get my money back, and I lost my XXXX points too. To conclude : 1. Apparently, I met a fraud company that claimed to buy my points and purposely withdrew the money after sending and denying the purchase. 2. Paypal did not resolve my case righteous nor fairly as they stated in the email, and automatically closed my case without any form of contacting me, which is completely against what Paypal promised in the email. My case was arbitrarily closed before Paypal took any action to resolve it. 3. I did not receive justice from Paypal handling this fraud, I lost my money and my items, but Paypal refused to communicate with me, ignored my escalation, and purposely hung up my call in customer service. Only because the fraud company knows the rules of Paypal, it doesn't mean that i have bear the lost myself with Paypal trying to do anything for the victim. | ||||||
| 04/21/2022 | Yes |
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| I, XXXX XXXX XXXX, do swear to the truth of this Affidavit, under penalty of perjury, as the same would be sworn as an affidavit in person that : I am or was employed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX? ) on the Internet by XXXX XXXX XXXX, a multi-millionaire on the internet, XXXX XXXX XXXX XXXX I reside in the County of XXXX, State of New York, and all the perpetrators reside in various States or Countries, seeking to insulate themselves from jurisdiction. At all times hereinafter mentioned were committed in XXXX and XXXX. I am or was paid by bonuses, vouchers, receipts and invoices deposited by the XXXX subcontractors, The Warriors themselves and their employees, heirs or assigns in various banks deposits which account they opened and I have nothing to do with, and really know nothing about except by brief emails that contain little or no information.. A complete amount is {$1.00}, XXXX is obtained by me by reviewing copies of receipts, invoices and emails contained in my personal laptop, is attached and made a part hereof. The deposits are in PayPal , Inc. and XXXXXXXX XXXX, XXXX XXXX XXXX and E-Bank etc. accounts over which they promise belong to me. The amounts promised are beyond my comprehension or control and have never resulted in my being paid one cent. ( ZERO ) I have demanded a complete accounting to no avail of the XXXX and PayPal of any portion of money for which I have done hard work for the XXXX is mine. PayPal has never admitted they owe me at least {$450000.00} and PayPal has not acknowledged the same but attached hereto as Exhibits A, B, C, D, and F ( which they claim are phony receipts sent by one of the perpetrators to appear that I am being paid large sums of money, shares of bitcoin etc. etc.On PayPal stationary. I have contacted PayPal on very numerous occasions having been answered and acknowledged by XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX, in the Customer Service Department. As of this date NONE have admitted that PayPal owes me more than {$0.00} XXXX cents. As my bank PayPal has a fiduciary duty to pay me at least {$450000.00} in 7 days from XX/XX/XXXX and XXXX, The dates of their invoices.. ( plus interest and exemplary damages. ) For allowing their receipts to be used in this fraud as proof of my payment. The receipts are on stolen or forged instruments ostensibly issued by PayPal as part of this Internet fraud, forgery and scam to attempt to compel me to do unpaid work for them, including but not limited to dealing with XXXX emails a day. This so-called side hustle involves shady allegations that miracle algorithms have been discovered that allow members to be paid out of thin air, stealing from XXXX, XXXX and other large entities on a regular basis and pocketing the same.various US States or countries around the world hoping to be insulated from jurisdiction. Any Court will take Judicial Notice that it is impossible to make something from nothing, Which is what they allege. Wherefore, I ask the US Secret Service to examine the Record including the minutes of the conversations with PayPal of approximately XX/XX/XXXX XXXX and XX/XX/XXXX. As well as investigate and prosecute ALL criminally liable parties to the fullest extent the law allows. Page 2 A, B, C. D, and E Sworn to as a affidavit on this XXXX day of XXXX, XXXX and Affirmed Under Penalty Of perjury. XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the Affiant Signed in Pen And Ink. XXXX XXXX XXXX Attorney ( Retired ) Attached hereto and made a part thereof as Exhibits A, B, C, D, and E Also attached hereto as Exhibit F is the computations used to determine alleged fraud wherein your Affiant was told that this was a combination of commissions, bonuses, rewards and salary, Further I tried NOT to double dip although the PayPal invoices are not clear on that matter. | ||||||
| 05/26/2015 | Yes |
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| I started using this service on XXXX as i have made my first purchase. i do shop on online a lot and was what i thought following fair credit act logic. Paypal Credit : - does not credit returns to original transaction! in the old version site it is shown return has been received against the original transaction # XXXX however paypal credit applied the funds against completely irrelevant transaction. i ended with full interest rate charges still growing against the transaction XXXX that should have been credited. - does not have written complete policy stating the funds allocation process. - credits returns to wrong transactions - they credited XXXX returns that had " deferred '' type to completely different " deferred '' XXXX transaction - mind you not the oldest one either which does n't make sense as this credit did n't pay off the credited transaction & exposed the older transaction to subject of interests charges sooner where it could be paid off. - the funds allocation process makes it impossible to pay the deferred purchases first ( or at least some portion of the purchase ) out of all payments i have made between XXXX statement of XX/XX/XXXX until XX/XX/XXXX only couple of times they applied small portion of payments to few deferred transactions & not in particular order definitely not based on the age of the deferred purchases. Basically 90 % of my payments did not go towards paying off deferred purchases, which is equivalent for creditor not allocating consumers payments to higher interest rate transaction first as it supposed to be done per CFPB! i spent a lot of time on their website making sense of everything & made detailed excel sheet that shows clearly the way they used my payments & returns. - paypal credit avoided paying off deferred purchases. I 'm in deep financial trouble because of it! when i dug deeper and got to paper statements i found : -- online statements missing critical information. -paper statements are not even close to what you see on the website. - " classic '' version of the site does not match the statements neither on version of the site consumer sees logging in & does not match the paper statements. if you use this service demand paper statements otherwise you will know that you have an issue when you see finance charges piling up! the online statements not detailed as they must be. - paper statement is the only document will show true standing & status of all transactions. - Paypal credit website does not show full information on the account & transactions status. it is impossible to know deferred purchases & actual funds allocation unless you get paper statement which they do not provide when you sign up. you have to ask i guess when you end up like me. - the bottom line their system of funds processing does not allow to pay off consumer deferred purchases in 6 months unless you pay off everything as soon as you use the option which defeats the purpose of this service. - paypal credit does not allow consumer to pay off the damaging portion of the credit as they do not have a clear system or lack of funds processing standard system based on actual evidence of my account status. -paypal credit has lack of the critical piece of information on their listed policy that i reread on the statements & their site. they do not provide instructions on all possible funds allocation scenarios, nowhere. - consumer will not even know when to be aware of issues that can be damaging to their account. - not providing consumer with clear, true information on the account in the tool they promote which is their current website ( conservative wo n't match the statement and it 's not accurate ). consumer has no ability to see the damaging factors which are only shown on the paper statement where Paypal promotes to go paperless! i have more details if needed. | ||||||
| 09/04/2019 | Yes |
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| This complaint deals with a variety of transactions ; all involving one particular vendor. The first troubling transaction date began in late XXXX of XXXX. All of the transactions were items used for the purposes of remodeling our home. The vendor/merchant had significant issues with fulfilling orders, so much so that almost every order we made had to be corrected and/or refunded. Thousands of dollars were lost due to these issues. As such, I used the PayPal Dispute Resolution form to dispute the problems since the local merchant 's store was of no help or assistance to my issues. As PayPal processed the disputes, they came to believe that I violated the terms of service and placed my account on hold. They would later close my account due to the amount of disputes, which I have moved on from. But as the processed disputes, they used a selective way to actually process if the outcome of the dispute was in my or the seller 's favor. Allow me to explain by each transaction that I am disputing today : Dispute Case ID : XXXX Transaction Amount : {$100.00} USD Dispute Amount : {$100.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX Denied because the item was materially similar. The items were buckets of paint. How can a specific color of paint that was sold as different than expected and paid for, be exempt from this? It should have been refunded and the case found in my favor. Paint with specific color is certainly a material difference from other paint. Dispute Case ID : XXXX Transaction Amount : {$16.00} USD Dispute Amount : {$16.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX Uploaded shipping information on XX/XX/XXXX. On XX/XX/XXXX, PayPal denied the claim by stating that they did not receive valid proof or tracking. That makes no sense as tracking shows it was delivered back to the address I was told to submit it to. Dispute Case ID : XXXX Transaction Amount : {$34.00} USD Dispute Amount : {$34.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX Told to return the item via postal carrier on XX/XX/XXXX. Received an email on XX/XX/XXXX stating I had uploaded the information. On XX/XX/XXXX, the same day as other claims were denied, PayPal denied this as well, stating I had not uploaded any tracking or proof therefore contradicting their email on XX/XX/XXXX. Tracking shows as delivered and received. Dispute Case ID : XXXX Transaction Amount : {$26.00} USD Dispute Amount : {$26.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX Denied because the purchase is ineligible for buyer protection. The item is literally the same as other items that were approved for prior purchase protection. Dispute Case ID : XXXX Transaction Amount : {$820.00} USD Dispute Amount : {$820.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX Again, like the others, I was told to ship the item back and upload proof of tracking. Since this was over {$750.00}, I had signature confirmation. On XX/XX/XXXX, I was told to ship it back. I uploaded the tracking information on XX/XX/XXXX. On XX/XX/XXXX, PayPal denied my claim because I did not provide tracking details as was requested. I contacted PayPal, an individual via chat confirmed they had received the tracking and that the item showed as returned back to the seller. I never heard back from them again. I also suspect that because they closed my account, they will claim that is why they denied the cases. Yet, that answer would be invalid considering other cases filed before the account closure were perfectly settled with a full refund AND because I filed these cases well in advance to my account being closed. When I discussed this with PayPal, I was given a variety of inadequate answers. I am seeking full refunds for these transactions, especially the ones where I shipped the items back as requested by PayPal. | ||||||
| 05/20/2015 | Yes |
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| The company called paypal cost me a {$18000.00} transactionPrevented me from shipping the items out to the buyer which we found out try too scamand held my money and took up my time up to three months instead of letting my itemsbe shipped and verifying that the items where delivered they would not allow it in theend i loss the money loss somes items loss a sell lost my paypal account and was robbed of several months of my timePlus The money that i used to investThe problem was on paypals end where there system auto corrected the address i was shipping it to so I could n't send it to the exact address so paypal would n't allow me to send itA case was open against me in paypal by the buyer I won the caseonce you win a case in paypal system it cant be reverse the outcome is the money is mines regardless if they win a appeal the buyer should of never used a bogus addressThis case tied up all my money in my paypal account later the case was appealed I lost the case and they went against there contract and took the money outThey already broke there contract simple by covering the buyer who split XXXX payment into multiple payments the buyer by contract and paypal by contract does not cover or open case for thosebuyers it is in the agreement I will let you read over the notes and i have attach some phone calls along with PayPal XXXX XXXX breach of contractThe protected a person who committed multiple split paymentsnot only that the case was decided in my favorWhich is also against there term in agreements for me be charge there terms and agreements say if I win the caseI will not be charged at all if I lose and appeal and the moneys is minds to keepThe gave me a address where i can subpoena the phone calls they told over the phone not to ship it outand wait until they fixed there address which was incorrect if they did n't fix it does n't matter if they do or not. Because the money is mine because I listen to what they said. Also a manager said the money is mines it will never be reversed. XXXX represented said the promise and guaranteed and wrote it down that if i follow there orders and dont ship it everything would be fine. When a appeal is won it paypal fronts the money. When i ask for phone calls a specific XXXX where paypal said they can do what every they want break there contract and word and that there are the lawpaypal closed my account and said i was a threat to paypal i want all the calls from last yearPaypal made up a bogus against excuse and the reps are sleazy and speak in a sleazy voice ( American reps ) they said a regular employee said not even from the corporate office said we found out you where assisting with another account so we shut you down which is a huge lie since you are allowed to do it in paypal you can add people onto your account then they said oh because it is your account they tried to claim but yet they did n't send a bill to me but the account holderAn i told them about that account and the corporate office too months of there time reviews it and said we wont compensate you like we promise and laughed it offPlease look at there contracts on line they say the phones call may or ay not be recordedand lawyers said it is fine to record as long as you hear thatso if you request some recording from me or if they lie i try to get you some to show you they are bonafied liars and thieves and scammers you can subpoena phone calls aswellOne more thing they also breach contract by covering services i was testing the ram packaging it and sending it the merchandise all this was bundled in the sellwith service is against there agreement to cover it. I want my money back and the accounts involved to have no chargesthey deleted the accounts to hide evidence i cant even look at my financial historyI will wait for them to lie to you guys then i will bring out evidence ' | ||||||
| 08/27/2020 | Yes |
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Web | Servicemember |
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This issue involves Paypal 's unethical behavior towards the buyers during a pandemic.
Paypal Transaction ID : XXXX Paypal Transaction Date : XX/XX/2020 Paypal Dispute Case ID : XXXX XXXX Purchased authentic XXXX XXXX XXXX from XXXX XXXX via Paypal. Name of Merchant is : PAYPAL *XXXX and the price of item was {$200.00}, plus {$2.00} Paypal foreign transaction fees, totaling the amount of {$200.00}. XXXX Item was delivered and I discovered that the PAYPAL XXXX XXXX seller sent a completely different item than they advertised and agreed to. The item I purchased costed more because the XXXX XXXX lace becomes transparent on the skin, causing the realistic effect. What they sent was some sort of white, plastic-feeling lace that was the opposite of transparent, it was opaque and more noticeable than any product I have tried before. XXXX I contacted seller, sent pictures and asked for an XXXX number ( as required from their return policy ). After waiting six days with no response, I contacted Paypal to dispute. XXXX After realizing that I got scammed, I opened up a dispute with Paypal ( Paypal Dispute attached, labeled " Paypal Resolution Center EXXXX XXXX '' XXXX Paypal sent me an email stating that I received the full refund offer from the seller ( attached, labeled " XXXX Paypal email -full refund offer from seller '' and was prompted to mail item back to XXXX , though they offered no shipping label, forcing me to pay {$58.00} more to ship item back. XXXX after much communication with Paypal regarding the {$58.00} shipping and Paypal stating that they will at minimum, reimburse me {$30.00} of the shipping ( attached, labeled " PayPal chat transcript XXXX thru XXXX '' ), I paid for the shipping and sent the tracking # - XXXX, XXXX - XXXX Paypal acknowledged the shipping and tracking number ( attached, labeled " XXXX Paypal email acknowledged tracking to XXXX '' ) -From XXXX through XXXX Paypal continued to push the Estimated Resolution Date forward and began to ignore my follow-ups. They made it impossible for me to reach them by phone, as I attempted to call them and chat with them repeatedly. XXXX Paypal sent me an email stating that my dispute for this item is now DENIED, via the following email : -- -- -- -- -- " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2020. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we did not receive valid proof or tracking that you returned the merchandise. We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information : Dispute Case ID : XXXX Transaction Amount : {$200.00} USD Dispute Amount : {$200.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thanks, PayPal '' -- -- -- -- So to recap, after acknowledging my tracking # on XX/XX/XXXX and without communicating any shipping issues, Paypal decides to discard my dispute on XX/XX/2020 by denying my case due to their claim that they suddenly " did not receive valid proof or tracking that you returned the merchandise ''? First it was Paypal 's merchant, XXXX XXXX that was the issue, but now the disgust is with Paypal 's fraudulent denials that is quite concerning. Since receiving this random denial email, I have been trying to call Paypal and chat with them, but their closing my case closed the option to do so. Additionally, calling Paypal is unsuccessful, as they've made too many firewalls, preventing consumers from reaching them by phone. No success, despite my many attempts. That is why I am finally here to report their unethical activities. I was forced to file a claim with my bank, XXXX XXXX XXXX Bank. Not only did I get scammed out of {$260.00} ( item plus shipping ) but I also got scammed out of my time and energy over this three month ordeal. |
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| 06/25/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2019, I found a woman off of XXXX named XXXX who offered credit repair services. She told me for {$690.00} she would add tradelines to my credit report. XXXX asked me to use XXXX to purchase the tradelines however I did not want to use XXXX as I had a bad experience with XXXX. XXXX said she wanted me to use XXXX because Paypal had suspended her account : XXXX and told me to use her partners account XXXX XXXX XXXX Paypal account XXXX. XXXX told me that she got the tradelines from XXXX at XXXX XXXX ( XXXX ) XXXX-XXXX and the tradelines would appear on my credit report in 30 45 days to boost my scores so I could purchase an investment property. Between XX/XX/XXXX and XX/XX/2019 no tradelines appeared on my credit report. When I contacted XXXX XXXX, I found out XXXX did not work for XXXX XXXX and did not appear anywhere in their system. XXXX and I contacted XXXX in a three way call and she changed her story from getting the tradelines from XXXX XXXX to she was going to get the tradelines through a third party wholesaler. When I asked her for the contact information to the third party wholesaler, she told me the contact information could not be provided. XXXX lives in Texas but has a XXXX.XXXX.XXXX number and her partner XXXX has a number XXXX.XXXX.XXXX. After the three way call with XXXX XXXX, XXXX started avoiding my calls and would not provide me with the 'third party wholesaler ' that she claimed to have used for the tradelines. I then contacted Paypal and reported fraud and Paypal told me I would receive a refund in 10 business day. I never got a refund. Paypal stated XXXX and XXXX posted three tradelines on my credit report. I asked Paypal to provide me with copies of any/all written documentation showing XXXX/XXXX posted tradelines on my credit reports - Paypal could not provide me with the documentation requested. I asked Paypal for the name of the tradeline brand ( e.g. XXXX ), the credit limit, age of tradeline ( s ) and the date the tradelines supposedly posted to the credit report so I can confirm with the Credit Bureaus - Paypal could not provide me with information about the tradelines. I asked Paypal to provide me with the third party wholesaler 's contact information ( name, phone number, website, email ) that XXXX/XXXX claimed to have used - Paypal does not have the third party wholesalers contact information. I asked Paypal for XXXX/XXXX current contact information - they could not provide that information. I asked Paypal to provide me with documentation used in their investigation to confirm the tradelines posted to my credit report and I have not received any documentation from Paypal. Paypal then sent me an email stating they need an additional 75 days to conduct another investigation. In the meantime, my XXXX XXXX card was charged {$690.00}. Paypal told XXXX XXXX and Master card that the transaction was valid based off of verbal statements from XXXX and XXXX. I told XXXX XXXX and Paypal that the transaction was relate to " the sale of certain items before the seller has control or possession of the item '', " involve certain credit repair, credit transactions '' which " involve offering or receiving payments for the purpose of bribery or corruption '' " involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. '' Which violates PayPal policy and I would like my refund. I have been scammed and would like Paypal to give me my refund of {$690.00}. Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$690.00} USD Dispute Amount : {$690.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 I also provided PayPal, the credit bureaus and XXXX XXXX with a XXXX recording about the transaction. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX | ||||||
| 12/08/2019 | Yes |
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| The day XX/XX/2019 : At XXXX an email arrived indicating the sending of a partial payment for XXXX dollars. This was not immediately detected by me. At XXXX I received an email telling me that I had changed my PayPal password At XXXX I received another one, telling that I had changed the security questions At XXXX approximately how I didn't do those transactions, I proceed to communicate with PayPal ; I called them to help me to block my account. The worker that attended me said who had made a charge of XXXX dollars to me that my case would go to the fraud department and that they'll send me an e-mail with the results of the investigation in approximately 10 days. The report to PayPal about the irregular situation of unauthorized access to my account was reported one hour after access, and half an hour after being detected, so I can say that I was diligent in reporting the irregularity. At XXXX of that same day I received email telling me that : We have received your request of this case for this no authorized transaction. We'll check your case and we'll be communicating with you again in approximately 10 days. " At XXXX I received another e-mail that it says : " We have completed the review of the opened case because by unauthorized movement and determinate that there was no unauthorized use. Based on our review, we have determined that his transaction is consistent with your Pay Pal payment history ". It should be noted that I do not understand the statement that we have determined that this transaction is consistent with your payment history since the highest value of the three transactions I have made in 2019 corresponds to XXXX dollars. At XXXX I received a new email stating : Your PayPal claim : claim XXXX rejected. We have reviewed the transactions and rejected your claims. We have made this decision because this transaction was authorized. From the above it is concluded that the investigation of 10 days of pay pal was done in approximately 2 hours. The day XX/XX/2019 : at XXXX XXXX approximately I decided to contact Pay Pal to see the review of my case indicating that I would not be reimbursed for having neglected access to my password and that I could try to contact the seller to see if I have returned my money. After restoring access to my account I have tried to contact the seller using the solution center but when I link the transaction, to report the problem, it indicates that it is not possible to do so and try again later. I want to clarify that I did not do it and there is nothing that indicates fraud or negligence on my part, so I request a more thorough investigation to clarify the circumstances surrounding improper access to my account. It should be noted that my computer has an updated antivirus and an antimalware. Why PayPal is not utilizing the multiple identity verification system in my country? The day XX/XX/2019 I report identity theft at Federal trade commission assigning the number XXXX. On XX/XX/XXXX I received an email from PayPal Executive Escalations where they indicate that my claim has been denied : Below is part of the communication referred : Mr xxxx, I understand you are unhappy about an unauthorized claim you raised relating to a payment on your account that has been denied. A review of your account and the case in question shows that we were unable to determine your account had been accessed by an unauthorized third party. When a claim of this nature is raised with PayPal, we review all details of the account and the payment in question. We always look for any signs the account had been used by an unauthorized third party. In this instance, there was no outstanding evidence to indicate this was the case. Our review of your account showed the log in activity to be consistent which is why we could not grant you a refund. | ||||||
| 05/05/2022 | Yes |
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Web | Older American, Servicemember |
| After several attempts regarding a billing dispute with PayPal one of the most dishonest companies in the world run by a bunch of uneducated analysts regarding billing disputes and denying your rights for Full disclosure. This company is run bunch of XXXX and they are corrupt to the core! Services were not rendered by the United States postal division another very unorganized agency with the United States government and falling apart at the seams destroyed private property of the consumer and PayPal did absolutely nothing about it. This by far is one of the evilest times in American history where these companies produced nothing destroy everything break everything and the service is absolutely quite frankly disgusting it took weeks to get any type of response back regarding the damaged product. SERVICE NOT PERFORM BY MERCHANT AND BY PAYPAL From PayPal : we have no document information from the merchant, and we really dont care about help are consumers because we work for the XXXX XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See history Below : Update on your case We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. You need to contact the merchant to resolve this issue. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information Dispute Case ID XXXX XXXX XXXX {$130.00} XXXX Dispute Amount {$130.00} XXXX XXXX XXXX XXXX We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information Dispute Case ID XXXX XXXX XXXX {$130.00} XXXX Dispute Amount {$130.00} XXXX Transaction ID XXXX XXXX XXXX XXXX, Thank you for contacting PayPal Customer Service. In an effort to assist you as quickly and efficiently as possible, please direct all customer service inquires through our website. 1. Log in to your PayPal account. 2. Click on Help & Contact at the bottom of any PayPal web page. This will give you further information on how to Call us or send an email via Message Center Alternatively, you can log in to your PayPal account and choose " Resolve a problem in our Resolution Center '', which will take you to PayPal 's central hub for buyer and seller resolution and limitation information. You will find information about the limitation and steps to remove it below : Log in to your account. Click Resolution Center. If you have a Business account, click More and then Resolution Center. Click Go to Account Limitations. Next to each step required to remove the limitation, click Resolve and follow the steps to provide information. If you prefer to contact us, please log into your account and click Contact or Help at the bottom of the page. Thanks, PayPal | ||||||
| 06/17/2019 | Yes |
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| I'm writing to report a scam I was the victim of on XX/XX/19. I'm reporting this in hopes that no one else falls for these gift card scams which have become very common. I feel there are three major issues that need to be addressed. 1. ) XXXX XXXX ' lack of internal controls and fraud dection/prevention. 2. ) Paypal 's lax cyber security protocols that put me on the radar of gift card scammers & 3. ) XXXX/XXXX XXXX lack of internal controls that allowed several anomalous gift card purchases with the same card without flagging these transactions as suspicious. I feel all these issues need to be addressed to protect consumers. The back story : I was targeted through a paypal scam on XX/XX/19. I had money from XXXX that I was lead to believe I was going to lose unless I claimed it by a certain day ... I called the number which I thought was PayPal.. My account had been compromised and they asked if I could buy gift cards to prove it was me to claim the money ... My problem was I couldn't get into my paypal account BC I didn't have the right password ... After talking with who I thought was PayPal they told me to buy gift cards from XXXX since they are link companies. They had all my personal information, phone number, email, address, and information on the tickets I sold to claim the money ... I was directed to buy gift cards using my XXXX XXXX ( I used XXXX BC they have a stellar reputation for fraud cases ) I was sent to 5 different stores in the matter of 4 hours buying gift cards to prove it was me. I was led to believe that this was PayPal the entire time ... After I started to feel uncomfortable spending upwards of {$5500.00} on gift cards in 5 different stores I cancelled the call and imediately called XXXX XXXX to explain how I was scammed and led to believe PayPal wanted me to do these things. After hours of research I found more information on gift card scam. I explained this to the people of XXXX XXXX they quickly put my account on monitor to see the charges ... The charges finalized and I then called XXXX XXXX back and talked to someone in the fraud department ... They pretty much told me they cant do anything to help me BC I was present when my card was used .... I explained that the purchases were made under false pretences BC I trusted these people where PayPal ... After XXXX XXXX didn't help me I then called PayPal. They pretty much told me they cant do anything BC I don't have an account ... I explained they sent me emails to my personal email address telling me I had these tickets I was gon na lose the money for. I was informed that it wasn't PayPal it was a fake email account using the PayPal name. There's are several fundamental issues of negligence here. First XXXX has internal controls and fraud alerts for regional charges where if a card is charged in the east coast and then the west coast within minutes as this would be impossible for a legit card holder to do. They also offer protections for rather large tip adjustments on restaurant charges. Why would XXXX not flag the purchase of {$5000.00} worth of gift cards among 20 gift cards, when gift card fraud has become a major issue these days. What if this happened to the elderly. Sadly it does and I feel XXXX doesn't have the proper controls in place to protect it's customers Another issue is paypal 's possible lax cyber security. How could a these scammers get my info and contact me after a legitimate PayPal transaction? And if the leak wast with PayPal, then it'd have to be with XXXX. Finally, XXXX/XXXX needs to improve it's internal controls as they are selling financial products that are widely used in fraud. These issues must be addressed as it seems there's a serious hole in the bucket here and I feel nothing will be done about it until an unfortunate amount of consumers get ripped off. | ||||||
| 01/30/2016 | Yes |
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| We are disputing the transaction with PayPal Credit. On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX presentation to listen to their Timeshare deal, before the presentation we were told that it will not take more than an hour and half to attend which was not a true statement, we spent almost three hours with the sale person trying to confess us about the great deal they offering. During our meeting we were told that we will be able to book our vacation anytime as long as it is few months ahead and not in red season like Hawaii or Florida where you have to plan a year ahead, also we were told the monthly maintenance fees will not increase as long we are the owner of the Timeshare. The sale person told us that he will visit us in XXXX on XXXX last year to help educate us on how to book our trips which did n't happened, we made many phone calls to see when he 'll be able to come over with no luck, also we tried to talk to his co-worker who is responsible for booking and quality assurance with no response from her as well. The timeshare deal worth of {$14000.00} including the down payment of {$4900.00} from PayPal. I can go over with many pages on how we are disappointed and frustrated on how we got scammed and fooled by this company but will try to summarize most for the important issues that made us to make a decision and take an action to protect our right and warn other customers about this misleading business practices. The main reason and only reason we got Timeshare is because we have big family and by doing this we can afford go on vacation with less expenses, so will be able to take our parents with kids to enjoy places that will cost an arm and leg to visit. During our presentation we told the sale manager that we would like to go to Hawaii and Florida and we need them to help us arrange the trip, we gave them the date of XXXX XXXX, so it 's about one year and four months ahead, because these places always on red season and you need to plan ahead. We were promised that they will help us find a spot which never happened, every time we tried to use the points there are no rooms anywhere or dates. We went online to make a reservation on XXXX XXXX for XXXX XXXX XXXX in Oregon but we had to be on waiting list, we tried to book a trip to XXXX XXXX XXXX XXXX XXXX XXXX also no rooms and you have to be on waiting list. Based on the information we have, we called PayPal customer service and explained the situation, we asked them on how they can help us dispute the transaction. We told them that we are working with a lawyer and the contract is cease and desist with the TimeShare. The management from PayPal seems to understand our concerns and promised to resolve the issue as soon as we provide them with a proof that our contact is cancelled. PayPal told us that they will waive all fees and our account will be forgiven, and all payments that we made will be returned to us. Before our contract was cancelled with XXXX We made every effort to call PayPal monthly and give them an update on where we are standing, we asked them over and over that if we get a proof that our contact is terminated, would they work with us to remove the transaction and return all the payments that we made to them, and their response was always " YES '' and do n't worry we will take care of the issue. Finally, when our contact was cancelled legally through the attorney, we called PayPal and provide with the date of the cancellation and every proof we have, however, we were very disappointed when PayPal denied their ability to help on the issue and refuse to acknowledge the problem. The credit company lied to us all the way, they provide us with false information and manipulated us, that came from the management side which suppose to be trustworthy and professional on how to handle customer complaint. | ||||||
| 12/18/2022 | Yes |
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Web | Servicemember |
| This is related to CFPB Complaint ID XXXX. Original complaint text : My father passed away in XXXX. I am his daughter. Since then, I have called PayPal no less than 8 times and am always on hold for a minimum of 30 minutes, usually longer, before someone can help me. The people themselves are very nice, but no one can tell me where the money in his account is. All we ask is that it be deposited back into the checking account my dad opened the PayPal account with. I do not want the money- it should go back into the account he opened it with, which is a joint account with my mother- who is the sole beneficiary of his estate. PayPal even acknowledges that this is their processwhen an cactus closed to refund back to the opening checking account. But, I am not confident they know their own processes as up until XXXX they still hadnt marked my dads account as deceased- even though we submitted his death certificate and his marriage certificate 3 times. The amount in question is XXXX. This has been going on for 6 months, I dont understand what the delay is and why no one can help. My mother needs that money. She has XXXX and that money is needed to help pay for her meds and other costs. Every other company has been helpful and knowledgeable about what to do when an account holder diesthis is so frustrating. After the original complaint was filed : Paypal called me and they said they had to get permission from my mom to speak to me about my father 's account ( as he passed away and she is the sole beneficiary ). She gave her permission and I spoke with someone who was initially very helpful. He said a check had been issued but wasn't cashed. He would stop payment on that check and then have the funds refunded to the account my dad opened the account with. This was supposed to take 15 days ... .it has been over 30 and NOTHING. This has been going on since XXXX! And Paypal doesn't give out any contact info for their reps, like a direct line, so I can NEVER get the same person to keep continuity. So, each time I call, I waste no less than 45 minutes on hold and then re-explaining this situation. Not only is this extremely frustrating and a waste of my time, it is also very painful as we are still recovering from the loss of my father and my mom needs that money for her own care. It seems like Paypal both doesn't care about it's customers and their families after their customer has passed away, and like they don't want to refund the money that rightfully belongs to my mom now that my dad passed away. It is only $ XXXX. This is so insanely ridiculous that I have to keep fighting. Update to original complaint : At this point, I am ready to file a lawsuit for more than the $ XXXX. This seems potentially class action worthy. How can a company this size not know how to handle an account once a customer has died? Either return the money via the account my dad opened his Paypal account with ( which by the way, your rep promised would be done ), or issue a new check in my mother 's name, to her new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ). We have provided the death certificate, and their marriage certificate, and also her new address. I am at a total loss and honestly just want to cry at this point. My mom is sick and needs this money for care, and it is her money. We are not asking for anything more than she is owed, at this point. But if someone from Paypal doesn't reach out to me ( daughter ) and get this sorted, I will sue for more than $ XXXX. And the thing that really kills me is that I don't want to do that. It will be a tremendous waste of my time and Paypal 's, and we will both lose money to lawyers. I really hope this makes it to their legal department and someone with some empathy looks at this and understands the ridiculousness of the situation. | ||||||
| 01/21/2021 | Yes |
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| My cousin, XXXX XXXX and her fianc, XXXX XXXX were visiting during holiday season, and had come to start a move to XXXX. They had an argument which turned physical. He took her debit card and all her cash and left her in XXXX. Their primary residence was located in XXXX OH. The only option she had for cash was his credit card which she had been using for 18 months to pay business and personal expenses. She had signed receipts with her own name for this period of time and had the pin number to withdraw cash. I started receiving notices from PayPal regarding transfers into my PayPal account. When I looked at my account these were transfers from her, XXXX XXXX. With PayPal I had no control who could make transfers into my account so I withdrew the cash at different ATMs and transferred the balance to my checking account to give to her. There was {$2000.00} left so I transferred it by a PayPal electronic check which was received in XXXX by XXXX XXXX and deposited into their joint checking account She had to purchase a plane ticket to fly back to XXXX and made XXXX aware she had withdrawn cash off his card. He said that was ok and told her to get on a plane or rent a car however she needed to come home before XXXX XXXX. And that was the end of that story so I thought. At the end of XXXX, XXXX I received numerous emails from PayPal regarding the money transfers that occurred in XXXX, XXXX and they charged those to my account because they said the seller had filed fraudulent charges on his credit card transactions. The credit card was issued from his bank but the financial institution guarantee was by XXXX XXXX in Florida. I contacted PayPal resolution center and provided them all the information I had and their decision was for the seller. I don't know why they referred to her as a seller when this account had been my personal account for many years with no issues. They charged me back a total of {$5500.00} and took a money transfer coming to me of {$290.00}. They even charged me back the {$2000.00} electronic check which was to her account. I spoke with and sent proof to a deputy sheriff in XXXX XXXX XXXX, XXXX, but have not heard anything else from him. I sent an email to VP at XXXX XXXX and had no response, I filed with XXXX in XXXX against XXXX XXXX Case XXXX XXXX and received no help from XXXX XXXX. They said I was not their customer and would not investigate the fraudulent filing of XXXX XXXX regarding the transactions he did not have to pay because XXXX charged back to PayPal which they show a negative balance in my account of {$5200.00} and locked my account.The Fair Credit Billing Act of 1974 states you have 60 days to dispute transactions in writing. Also you can not dispute transactions occurring over 100 miles from your home.All the transactions occurred in Oklahoma. At the same time XXXX, XXXX I filed with California XXXX against PayPal. Case XXXX They also would not give me any relief. I have filed claims with DCA in California XXXX and they responded that this was not in their scope of investigations. They referred me to DFPI of California, XXXX XXXX XXXX XXXX, PayPal which I already contacted and XXXX which I had also contacted. I filed a claim with XXXX XXXX XXXX and they responded with a referral to XXXX State Banking Department because they said they did not have jurisdiction. I have been passed from department to department and no-one will help me, they just pass the buck to someone else. This situation has to be in someones jurisdiction. I don't even know where to file a small claims suit against XXXX XXXX for reporting false claims of fraud so he is not responsible for his own expenses. ' This agency is my last hope for some type of resolution of my situation in which I am an innocent victim. I don't know what else to do. PLEASE HELP ME | ||||||
| 09/13/2022 | Yes |
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| Through the website XXXX I placed an order using paypal. Seller information : You sent {$130.00} USD to shipping by XXXX, delivery in 3-5 days! Order # XXXX on XXXX Paypal information : Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 On XX/XX/XXXX I realized that the site I placed the order on was not the legitimate XXXX site, and I asked Paypal to reverse payment. I opened up a help ticket and was told by Paypal that I could not receive a reversal and paypal closed the complaint and labelled it " RESOLVED ''. This is not resolved. I have not received the merchandise and have been ripped off of {$130.00}. I can not even update the complaint or escalate with paypal because it's been labelled " resolved '' and I'm not allowed to ake any further action on their website. This issue is not resolved. I have tried to alert paypal several times to the scam and they have not allowed me to register or escalte the complaint. PayPal is as much to blame for this issue as the fraudulent seller. XXXX XXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX XXXX RECIPIENT XXXX ________________________________________ Funds will be available to your recipient on or before : XX/XX/2022. ________________________________________ Money sent {$130.00} USD Fee {$0.00} USD Paid with : XXXX XXXX XXXX XXXX ( MINNESOTA ) {$130.00} USD ________________________________________ You paid {$130.00} USD will receive {$130.00} USD Recipient may receive less due to foreign taxes. ________________________________________ Please note it may take a little while for this payment to appear in the Activity section of your account. Get the Details Need to cancel? You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you XXXX not be able to cancel your payment for a full refund once the payment is made. To determine whether your payment is eligible for cancellation, log in to PayPal.com, select the transaction in your transaction details, and select Cancel, or call PayPal Customer Service at XXXX. About disputes If this payment is for an item you purchased but haven't received, or it's not as described, your purchase may be covered under PayPal, Inc. 's purchase protection. In those cases, you can file a dispute in the Resolution Center within 180 days of payment. Just log in to your PayPal account at www.paypal.com and go to the Resolution Center or call Customer Service at XXXX. You have a right to dispute errors in your transaction. If you think there is an error, such as a payment that was never received or that was processed for the wrong amount, contact Customer Service at XXXX within 180 days. You can also contact us for a written explanation of your rights. If you don't recognize this payment or want to report it as unauthorized, you should contact the Resolution Center at PayPal.com or call Customer Service at the number above. For questions or complaints about PayPal, you can contact these agencies : Minnesota Department of Commerce https : //mn.gov/commerce/ ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX TTY/TDD ) www.consumerfinance.gov ________________________________________ Help & Contact | Security | Apps PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. PayPal Customer Service can be reached at XXXX. Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX : XXXX XXXX XXXX ) XXXX : XXXX | ||||||
| 03/04/2023 | Yes |
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| First and foremost sadly I'm a victim of identity theft, online fraud and online XXXX due to some kind of data breach with XXXX. Ever since that incident happened things have been down hill for me, between crooks getting into my bank account, trying to get things in my name etc. The issue is that I have had an account with Venom for quite a few years already which the account was only used to send a receive money from family not friends and family strictly family. Well I haven't used my account since XXXXXXXX XXXX XXXX so I had went to go and log into it because my mother wanted to send money. Well as I mentioned I haven't used it, so I wasn't able to get into my account at the time because it wanted to send a text verification code to a phone number that ironically wasn't even mine. I never had that number. So I had reached out to them via chat and they asked me to fill out a form and provide my valid I'd along with a selfie of me holding my id. They said they will verify the information that I provided and then determine if the can send a one time verification code so that I can gain access to my account to update my phone number. Almost a week later of battling with them over this verification code they I was told that I would receive within 24-48 hours I got a week later. So I finally get into my account and tried to update my phone number and it wouldn't let me. Thank god I informed my mother about it and was able to tell her not to send money to it because once I logged out I will lose access to it again. Which is exactly what happened, I was very frustrated and decided to wait a day or two before reaching out to them. This time I was reaching out via phone the part that I find to be very disturbing is when the conversation had started the agent was able to clearly hear me all the up to them being able to verify my account once my account was verified all of a sudden they couldn't hear me and I was getting hung up on which this happened more than once. So I started out by contacting them via chat which made no difference because they were ending chats on me. Almost two weeks later when I was finally able to reach the right agent to provide me with another access code and assist me with updating my phone number magical my account is frozen and I was only able to receive funds not send or make any other type of tranactions. Do they think I am stupid if I receive funds I wouldn't be able to spend it or transfer to my bank account. So they told me to fill out a form and provide them with bank statements for every debit card on file to prove ownership which I did. There gon na turn around and tell me that I am to much of a high risk for them that they have to protect there self and there customers they are permanently closing my account. I said wow wait a minute I have never done anything wrong there are no fraudulent transactions or activity on my account whatsoever and I hadn't used it in a little bit over a year. They said sorry your high risk for us the payment methods that you have on your account was found on others with your information with not such good activity. I told them excuse me how can you consider yourself protecting customers if your not protecting me. We have already been down this road a few years ago when an agent informed me of other accounts being in my name that weren't created by me he closed them and said if any others were created they would automatically be closed well apparently not and I was never into about any kind of activity of course because it wasn't me but yet there specialists choose to make assumptions pretty much call me a liar and say that it was me. Which is very rude and unprofessional. I can care less if my account is re opened or not I deserve better than being accused by a place of business she should be terminated. | ||||||
| 09/13/2016 | Yes |
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| On XXXX XXXX, we have taken out a credit account with PayPal Credit to purchase some auto parts in response to an ad on XXXX 's webpage. The ad stated no interest on purchases over {$100.00}. Our autoparts totaled approx. {$500.00}, so we knew this would be perfect for what we needed to fix our vehicle and no longer have to share a car. We got approved for the credit for {$1700.00}, and went right online to order the parts shipped to store to be able to go and pick them up right away. The first representative tried to tell us that we needed to make multiple first small purchases to get credit history with the credit line in order to have the payment go through. We stated this is n't what the ad said, and that we would n't be forced into racking up the credit with small purchases before making a large one. At that time the rep said to try to wait 24-48 hours for some security settings to reset and try again. We tried again on Friday, and it still did n't work. When calling the rep this time, she said that we can not do ship to store due to security and can only do ship to home or instore purchases at select retailers. I told her the ad did n't say that, and I needed the parts right away to fix our car. She helped us by looking up in their system and found that XXXX is a partner to accept purchases in store - so we then went to XXXX on Saturday to pick up the parts. After visiting the second store for parts ( the first did n't have it in stock ) we went to buy the parts and the payment did n't go through. I called PayPal AGAIN, and after being on hold for 40 minutes while waiting in the store we were told we needed to use the phone that was connected with the account due to security. Soo we went home, picked up that cell phone and drove back and tried again. Again it did n't work. We called PayPal AGAIN and waited another 45 minutes for a rep, this time they are saying they are n't seeing any history of the purchase attempt and have me on hold while they research with their tech support to no avail. the PayPal rep said they will look more into it and call us back the next business day ... At this point, we are figuring there is a connection problem because the assistant manager at the store has said that PayPal has worked there and they have used it. So we decided to wait until Sunday. Sunday came and went, and no call back from PayPal. During this whole time, we have had to be sharing one vehicle and doubling our gas costs to drop off and pick up at eachothers work. So, we have decided to bite the bullet and just order the part on the website to ship to home. Now with all the time that has passed with PayPal not delivering on their advertised services and costing us added gas costs, time, and severe embarrassment, we could have had the part almost here already if we ordered online to ship to our home originally. So.. Here it is late Monday night and I go online to order the part online to ship to home - and the payment YET AGAIN does n't go through. We called PayPal and they said that security has again blocked the transaction, and they will be trying to reset to go through, but they ca n't guarantee and it will take 1-2 hours for the updated to occur and for me to just " try again ''. This is COMPLETELY unacceptable. NO WHERE on the ad did it state we ca n't to ship to store, no where do they say we need to do multiple smaller purchases to qualify for the promo rate, and they DO advertise we could pay instore at XXXX. Yet, it has just been problem after problem. I just want my parts to fix my car and I would expect some compensation for my lost HOURS trying to get this purchase working through PayPay along with the added gas costs. It should never have taken over 6 days to make XXXX purchase I should have been able to pick up the same day as the initial attempt. | ||||||
| 01/03/2019 | Yes |
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| In summary : In XX/XX/XXXX, PayPal allowed an unauthorized payment to a software vendor from whom no services or products had been purchased and with whom I had no payment agreement. PayPal denied without explanation a detailed and documented claim. Furthermore, PayPal then demanded a social security number to close out the debit that unfairly and unreasonably resulted. Details : The unauthorized transaction in my PayPal occurred on XX/XX/XXXX for an amount of of {$96.00} USD and the software vendor was XXXX XXXX, a.k.a. XXXX. ( Transaction ID XXXX - Seller info XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Invoice ID XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX had been issued an approved payment via PayPal of {$320.00} USD for a one time download and perpetual license for a software product on XX/XX/XXXX, just over a year before the unapproved payment occurred. A week before the XX/XX/XXXX unauthorized payment, on XX/XX/XXXX, PayPal provided a warning to me by email that the XXXX would be putting through the new - and unauthorized - $ XXXXUSD charge. At that time, I confirmed on the XXXX account that no subscription services were then ( or previously ) activated, no incremental purchases had been made, and no payment was due. Checking my PayPal account, I realized the unbeknownst to me, PayPal had established a payment agreement from my account to XXXX. I cancelled that agreement through the PayPal website and received a confirmation of cancellation of the payment agreement in XX/XX/XXXX. ( PayPal email ID XXXX : XXXX : XXXX, received XX/XX/XXXX at XXXX XXXX EDT ). At that point, I expected no further activity with XXXX on PayPal. On XX/XX/XXXX, PayPal allowed the XXXX XXXX to make the unauthorized charge in question of {$96.00} USD and charged my credit card for that amount. On XX/XX/XXXX, I filed a complaint with PayPal ( PayPal Disputd Is XXXXXXXX ), and PayPal credited my account for the amount subject to resolution of the issue. My complaint included documentation of the points mentioned above ( i.e. evidence through screen snapshots from the XXXX account of absence of subscriptions or purchase and PayPals email confirmation of the cancellation of the billing agreement ). Given the clarity of the case, I expected easy resolution of what may have been a billing system glitch. I also attempted to email XXXX about the dispute via the email address made available through PayPal, and that email bounced. On XX/XX/XXXX, PayPal without explanation denied the payment was unauthorized, debited my account for the {$96.00} USD, and asked me to pay that amount into my account to cover the debit. PayPals website will not allow me to submit further communications on this matter - it provides a form to fill in but then returns an error on submission. Attempts to contact PayPal by phone have twice resulted in unreasonably extensive hold times after phone bank employees promise prompt action through collleagues. Recently renewed attempts to contact the vendor, XXXX, through its website did not work because of website error. The email address provided by XXXX via PayPal continues to bounce and attempting to make contact through the phone number provided by XXXX on PayPal results in a recorded message that the line has been disconnected. In summary, PayPal allowed an unauthorized charge and denied without explanation a detailed and documented consumer claim about it. To put this matter to rest, I planned to pay the amount with a credit card despite my dissatisfaction, and to subsequently close my PayPal account, but PayPal required my social security number to accept an electronic payment for the amount at this point, sensitive information that seems unnecessary to share in these circumstances, especially given the series of systems errors to date in this matter. | ||||||
| 11/01/2016 | Yes |
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| I have been a Paypal and Paypal Credit customer for many years and have never had any problems and have always paid my payments on time. In XXXX 2016 I made a online purchase using Paypal Credit with the agreement that I had 6 months no payments and no interest expiring XXXX XXXX 2016. On or about the XX/XX/2016 I linked my XXXX XXXX XXXX XXXX savings account to my Paypal account ( via Paypal web site ) with the intent of paying that debt in full before the XXXX XXXX deadline, I was advised electronically that Paypal would be making XXXX small withdraws from that account within 2-3 days for confirmation before the account would become active and that I should review my XXXX XXXX XXXX statement for confirmation. After about a week I had not seen any withdraws from my XXXX XXXX account and contacted Paypal via telephone, their automated phone system is very difficult and confusing to navigate and took several attempts and several minutes to speak to a agent directly, after explaining to the agent that I had not yet received confirmation he checked my Paypal account and advised me that the XXXX XXXX savings account was confirmed, was active and I was good to go, I thanked him, hung up the phone and immediately scheduled a payment ( via my Paypal Credit account ) for the full amount, on XXXX XXXX 2016, from the XXXX XXXX XXXX XXXX XXXX account that is listed on my Paypal account, the scheduled payment appeared on my Paypal Credit account. Over the next couple weeks I made a couple small online purchases via Paypal using the above mentioned XXXX XXXX Savings account and received several emails from Paypal and XXXX XXXX that those payments were denied and as there was well more then enough funds to cover those payments as well as the scheduled payment on XXXX XXXX I contacted Paypal via phone again navigating thru their very confusing, frustrating automated phone system I made contact with an agent, after expressing my displeasure regarding their phone system I inquired as to the reason those payments were denied. After checking my account he explained to me that my bank ( XXXX XXXX ) does not allow electronic payments from savings accounts, I advised him that I accepted his explanation regarding XXXX XXXX but that I was very displeased with Paypal and expressed that displeasure very adamantly as I had payments being denied and a large payment scheduled for XXXX XXXX and Paypal advised me I could use that account, he further explained to me that those payments were made using another bank account listed on my Paypal account. I apologized, explaining that my displeasure was not with him rather with Paypal for giving me the go ahead to use that account and hung up. That night I logged on to my Paypal account to insure the payment for XXXX XXXX and quickly learned that my account was in a limited status, somehow while I was navigating thru their automated phone system I triggered a security feature, I phoned them again and was able to fix that. the next day approx. XXXX XXXX I phoned them again for the sole purpose of making sure the payment scheduled for XXXX XXXX was still on, they bounced me between agents and departments, I did as they instructed me and was under the impression that everything was fine, On XXXX XXXX I checked my bank account and the funds for that payment were still there, I phoned Paypal again and was advised no payment was scheduled and that I now owed {$310.00} in interest and fees, I paid the original loan and phoned their customer service the next day, I was advised there was nothing they could do, I asked to speak to a supervisor and was advised their supervisor does n't take phone calls, I asked review all phone calls regarding this matter, they said they would and replied via email that the would not waive finance charges and fees | ||||||
| 11/21/2022 | Yes |
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| timeline of events : -XXXX XXXX XXXXXXXX a transaction was processed at XXXX on my Venmo account to send {$2000.00} to an individual named XXXX XXXX publicly for `` wedding '' -XXXX XXXX XXXX XXXX XXXX CT when I woke up and saw the requested debit and knew I didn't authorize nor process this transaction, I immediately began steps to report the issue to Venmo agents. -XXXX XXXX XXXX - Venmo chat representative restricted my account and escalated the case to another department for review and said there was no way to stop the request as the recipient would have already received the money and there was no immediate recourse to stop the transaction. -XXXX XXXX XXXX Since the money had not debited my bank account yet, I called my bank and reported that unauthorized transactions were taking place and I closed that account out and informed my bank not to process any outgoing money transfer requests. -XXXX XXXX XXXX XXXXXXXX XXXX CT I received an email from Venmo denying my claim that this transaction was unauthorized so I spoke with another chat representative to dispute and appeal this decision asking for what proof they used to determine this outcome. They asked me to email ( XXXX ) and request this information which I did that same day. -XXXX XXXX XXXXXXXX Venmo started sending me emails requesting that I pay the negative balance on my account and I emailed back informing them that I would not pay it back because I reported this transaction as unauthorized and they still had not provided any information as to why they denied my claim. -XXXX XXXX XXXX XXXX XXXX CT I sent another follow up email to XXXX asking for the information I requested two weeks prior and still received no response from any Venmo representatives. XXXX XXXX XXXX- I finally receive an email from Venmo providing documentation that they used to determine my case and they informed if of the following : Claim ID : XXXX Claim Date : XXXX The device used to make the payment ( s ) in question ending in XXXX was first added to the account on XXXX and used to complete authorized payments on the account through XXXX The location used to make the payment ( s ) in question is consistent with the location used to complete authorized payments on the account. The login for the Venmo session used to make the payment ( s ) in question began on XXXX and was used in authorized payments on the account through XX/XX/XXXX, such asXXXX for {$2500.00} to XXXX XXXX XXXX There was no report by user of loss of control of device when the dispute was filed. - XX/XX/XXXX - I emailed them back and informed them that this still does NOT prove that this transaction was NOT unauthorized. I informed them that I did speak with XXXX about the issue and they suggested that it's possible that someone hacked into my XXXX XXXX and was able to process this request appearing to come from my phone. And I also provided screenshots of my communication with another individual who reached out to me via XXXX and Venmo asking me if I knew XXXX XXXX because they saw my activity on venmo with this person and they were also hacked by the same individual for {$2000.00} and were also experiencing fraudulent activity. XXXX XXXXXXXX XXXX a friend of mine didn't know my Venmo account was not in good standing and sent me {$300.00} which Venmo deducted to satisfy my negative balance so I called and complained again for them to appeal this decision and look into the account of XXXX XXXX and see that the account is likely full of fraudulent activity. They asked me to email them again with supporting evidence so I sent them all the of the information that I had previously sent on XXXX I am not confident that I'll receive a satisfactory response from the company, hence why I'm pursuing these channels for resolution. | ||||||
| 08/30/2020 | Yes |
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| Account was locked XX/XX/XXXX for no logical reason or legitimate suspicion of fraud. I have made multiple attempts to resolve whatever issue took place with PayPal directly and was informed they were not obligated to release any reason for the action and I could possibly access my funds on XX/XX/XXXX. The only transactions are to my wife and my direct deposit from unemployment. {$10000.00} in retroactive unemployment funds are being wrongfully held. I need this money to support my family. I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent/non-existent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Monday morning, XX/XX/XXXX if I am not satisfied with PayPals response to this request to release my funds : XXXX XXXX XXXXDirector, President and Chief Executive Officer XXXX XXXX-Executive Vice President and Chief Business Affairs and Legal Officer XXXX XXXX XXXX XXXX Officer and Executive Vice President, Global Customer Operations XXXX XXXX Risk Officer and XXXX Vice President, Risk and Platforms XXXX XXXX XXXXVice President, Corporate Legal and Secretary XXXX ( for appeals ) XXXX ( for account reviews ) XXXX ( for abuse complaints ) XXXX ( for escalations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, PayPal Legal/Public Relations ) XXXX ( XXXX XXXX, Paypal Complaints ) XXXX ( XXXX XXXX, PayPal President ) XXXX ( XXXX XXXX, CFO PayPal ) XXXX ( PayPal Office of Executive Escalations ) XXXX ( XXXX XXXX, Senior Director Accounts Protection ) XXXX ( XXXX XXXX, Sr. Manager Brand Marketing & Security ) XXXX ( XXXX XXXX, Senior Product Manager Merchant Services ) XXXX ( Let public relations know you are filing complaints ) XXXX ( XXXX XXXX -- Media Relations Contact ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX : XXXX & XXXX & XXXX All complaints will be filed online Monday morning XX/XX/XXXX and written copies will also be sent via certified postal mail. I understand PayPals need for holding funds for chargeback/Dispute purposes, however a review of my account history will reveal no Transactions capable of being a risk. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for any chargeback/Dispute purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Monday, XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. Claimant identified the following issues : Account Locked, Unemployment Funds held. | ||||||
| 04/05/2021 | Yes |
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| On XX/XX/XXXX, a man renting a room in my apartment in New York XXXX sent me his rent payment for the month of XX/XX/XXXX for the room he was occupying in the amount of {$1000.00} via Venmo. I transferred this rent payment to my bank account and paid rent to the landlord of the apartment via check. On XX/XX/XXXX, Venmo deducted the {$1000.00} the mans XX/XX/XXXX rent payment from my Venmo balance citing that the man had reported this rent payment as an " unauthorized charge. '' Venmo emailed me on the XXXX that they had deducted the amount of {$1000.00} and did this without warning and without providing any details as to what the claim was that was being made by the man, the details of their investigation into the claim, or why they ruled in his favor in an email titled Dispute Update. Upon receiving this email from Venmo stating they had deducted the amount, I immediately called Venmo and was told by the representative I spoke with that only " account specialists '' handled disputes and to reply to the initial email they sent me. I replied to the email as well as sent a separate email to the disputes email. I sent two emails to the email address of the account specialists that provided for the matter and included the information of the man, our sublease contract for his rental of the room, his rental application, his guarantor application, and offered to send them all written correspondence between him and myself including emails, XXXX messages and text messages through the phone number that was also connected to his Venmo account proving his tenancy in the apartment during the month of XX/XX/XXXXto display they had deducted this money from me following an erroneous claim by the man that it was an " unauthorized charge '' from his account. I also offered to get a witness statement from the other roommate in the apartment to testify to his residence in the unit for the month of XX/XX/XXXX. In the interim, I contacted Venmo twice on their chat help to attempt to obtain more information regarding the claim and their practices in determining outcome and provide further information regarding the pattern of the man paying me rent and bills via Venmo, all which he paid and labelled accordingly, as well as a security deposit which I returned to him upon him moving out. Over the chat, all Venmo representatives I spoke with refused to offer me any new information other than that the claim had been filed by the man on XX/XX/XXXX - 106 days after the man had paid me the rent on XX/XX/XXXX. They repeatedly said I needed to wait to receive a reply from an Account Specialist. On XX/XX/XXXX, an Account Specialist named XXXX replied to my email. XXXX provided no details involving the claim or Venmo 's investigation into the matter nor any response to the information I provided them regarding the man 's tenancy in the apartment and the rent payment. They stated that I needed to contact the man to attempt to get the money back from him or contact the local police in order to escalate the matter and that I could reply to them with further questions. I have replied to them and have received no further contact from them. I have been unable to obtain any new information over the phone or through emailing the account specialist that replied to my email. Venmo has taken {$1000.00} from me without giving me any evidence or reason for doing so nor taking any of my information regarding the man 's tenancy. They have withheld all information from me regarding the matter and have not been co-operative in ensuring a thorough investigation took place but rather took an unauthorized amount of {$1000.00} from my account in response to a fraudulent claim a man made regarding a rent payment he made to me for a room he was occupying 106 days after he had made the payment. | ||||||
| 02/21/2020 | Yes |
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| On XX/XX/XXXX I was informed by PayPal that my business account had been " limited '' for a change in activity. They asked me to submit my Driver 's license and Proof of fulfillment for my services. I happily obliged. I was still accepting payments from customers interested in my services. Then I was told on the XXXX of XXXX that my account was permanently banned, all my funds seized and was told, " You'll be able to withdraw money from your account within 180 days.We 'll email you when it's available. We just want to make sure that you have money in your account to cover any payment reversals. '' I submitted an appeal on XX/XX/XXXX and was answered by an automated email that did not address what occurred.Then sent emails to as many email addresses I could find for PayPal. I was met with no response. I informed them that I understood PayPals need for holding funds for credit card chargeback purposes, however a review of my account history since its onset would reveal a very low chargeback rate as well as a very high customer-satisfaction rate.I am a an entrepreneur that offers XXXX XXXX XXXX services. I offer digital services to help my client 's social media presence grow. Inevitably our methods do not produce the desired results for ALL our clients, for a myriad of reasons ( their social media content isn't attractive to the market, competition is strife in their category, etc. ), thus the request for a refund/chargeback is understandable.Our Terms and Conditions clearly explain our services, terms, refund policy and protect our work. I have processed and served over 13 clients already through their platform and none filed a complaint or refund/chargeback request. I recently had 3 clients request refunds which I dealt with amicably via the resolution center.Although a few clients were not satisfied with their results, the service was still executed thus payment was deserved. This was attested to by PayPal itself, via the resolution center, when it ruled in my favor in disputes with one of these customers/buyers ( this specific incident occurred on XX/XX/XXXX ). They allowed me to keep that payment for my services after they did their investigation.Then all of a sudden my account was banned after reviewing the information I gave them. I feel that any reasonable person would conclude that closing my account for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive That may be their decision to make but then, withholding my entire balance for 180 days is excessive and can even be viewed by some as punitive or an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I told them that I have no problem with leaving a balance for credit card chargeback or refund requests for the inevitable nature that some new clients may feel that the services did not work as desired for them and achieve their goals. This would cover the new clients that have recently signed up and could potentially not be satisfied with the services and may request a refund/chargeback, which I would then handle with the resolution center and follow all of PayPal 's instructions. But to hold the entire balance, which includes payment for services already executed for clients that have been satisfied months ago, is wrong and unnecessary. It effects my livelihood as I am an entrepreneur that relies on this as my means of income. A 180 day period would wreak my finances and leave me unable to cover my basic living expenses. I would like my funds immediately released as I am a merchant that sells a service that some clients inevitably may be unsatisfied and will have to deal with refund requests, but I do not deserve to be punished and all my income held, even income from clients long satisfied. This is unjust. | ||||||
| 04/15/2015 | Yes |
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| On XXXX XXXX 2015 I when online into my Paypal account and initiated a transfer of {$230.00} from XXXX of my XXXX linked external accounts, a savings account at XXXX XXXX Bank. Ultimately I wanted to send this money to my sons account with Paypal. Each day I checked the balance on my Paypal account which was {$0.00} until I checked on XXXX XXXX XXXX, when the balance showed as {$230.00}. So I initiated a transfer of these funds from my Paypal account to my sons paypal account. Later that day I happened to be on line looking at my XXXX XXXX Accounts and I noticed that the {$230.00} had been taken from my savings account but had also been taken from my checking account. I was upset because I had instructed the {$230.00} to only come out of my savings and did not know why the {$230.00} was also taken from my checking account. Luckily this {$230.00} coming out of my checking account without my knowledge could have resulted in an overdraw but did n't. When I called Paypal the representative told me that they took the XXXX {$230.00} because the original {$230.00} had n't actually cleared when I initiated the transfer to my son. I asked if the {$230.00} had n't yet cleared from my XXXX XXXX Account savings account, based on my transfer on XXXX XXXX, then why did Paypal show that I had a {$230.00} available balance. I also wanted to know how did Paypal then manage to get the second {$230.00} from my XXXX XXXX Checking on the same day, and why did n't they take the XXXX {$230.00} from my savings account and not my checking, all without my prior approval or even notification. The rep did not have an answer so I asked to be transferred to a supervisor, which he said he would do. I waited on the phone in a queue for quite a while and then was cut off and hung up on. I called again later in the day and spoke to a Paypal Supervisor, XXXX, in their office in the XXXX. He agreed that it was a problem that the system showed the funds as being available and then let me transfer the money, and that it was a problem that the second {$230.00} was taken without my approval. He said that he was submitting a trouble/problem ticket and that I will receive an email acknowledging this. I never received an email so I went on line and submitted an online email complaint. I received the email shown below so I responded saying that I would have to file a complaint with a regulatory agency. In my opinion I think that it should be illegal for Paypal to take any funds from XXXX of my linked accounts without first getting my approval or at a minimum notifying me. Dear XXXX XXXX, My name is XXXX and I am a Supervisor with PayPal 's Customer Solutions Department. I appreciate this opportunity to respond to your concerns. I attempted to contact you directly on XXXX XXXX, 2015 at XXXX Central Time, but was unable to reach you at that time. I wanted to follow up with you regarding your phone call to PayPal on XXXX XXXX, 2015. A review of your PayPal account shows that on XXXX XXXX, 2015, you made a payment to XXXX XXXX. I do understand that you intended the transfer to come from your account balance. The balance was not added to your PayPal account until XXXX XXXX, 2015 at XXXX Pacific Time . The withdrawal initiated to your bank account for {$230.00} shows that it has completed to your bank account. I offer my sincere apologies for the difficulty that you have experienced and hope this information addresses your concerns and answers any questions you may have had. You can contact PayPal 's Customer Solutions Department at XXXX if you have any questions or concerns or if we can be of further assistance. You can find additional information and tips about buying and selling safely on our Business Resource Center at XXXX Very sincerely yours, XXXXCustomer Solutions Supervisor | ||||||
| 11/25/2015 | Yes |
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| On XXXX XXXX, 2015, I sent a {$500.00} deposit through PayPal, utilizing my PayPal Credit LOC, for a vehicle I intended to purchase, with the understanding that PayPal Credit had safeguards in place to protect me financially from any type of scam. Indeed, PayPal Credit states on their website that " PayPal Credit provides 'zero fraud liability ' protection, the same protection provided by most major credit cards. " I sent the {$500.00} deposit in good faith to seller through PayPal for purchase of a vehicle out-of-state. After sending the deposit, confirming Seller received the deposit, and finalizing the pickup date, I did not hear anything from Seller again until I contacted him 4 days later, to confirm my plans to come finalize the sale of the vehicle.. It was then that Seller said he did not have the title, and would only be giving me a bill of sale for the vehicle : an important and material fact that Seller left out of all communication in regards to the sale of the vehicle. The expectation and norm when purchasing a vehicle is that the buyer will receive the title to said vehicle, unless otherwise specified and agreed. Since our agreement was for me to purchase the vehicle with the implicit agreement that I would receive both a title and keys to the vehicle, I requested a refund of my good faith deposit. Seller informed me that my deposit was non-refundable, though at no point in any discussions up to that point had Seller mentioned that it was a non-refundable deposit. Seller made it clear that he would not be willing to make good on refunding my good faith deposit, which I only requested due to his breach of our agreement. Further, comments made by Seller made it clear that he was aware not having a title would be a concern to potential buyers and stumbling block to purchase. This seems to indicate that Seller purposefully and knowingly acted with deception in order to sell his vehicle or pocket a deposit. I relayed all of this detail, along with supporting documents, to PayPal Credit, asking that the {$500.00} be credited back to my account. Shortly thereafter, I was informed by PayPal Credit that they had reached a decision on the dispute, and would be notified of the outcome by mail. After several weeks without hearing further from PayPal Credit, I contacted the company to inquire as to the status of my dispute. It was then that PayPal Credit informed me that the dispute was declined because I " agreed to the seller 's terms and conditions as posted before completing the transaction. '' It is important to note that, other than sending a deposit through PayPal, this transaction occurred solely over the telephone and text message, and there could therefore be neither terms nor conditions " posted '' by the seller. The manager I spoke with agreed that there would, in fact, be no posted terms and conditions as the transaction occurred offline. Furthermore, any supposed " terms and conditions '' relating to the refund of my deposit were not stated by the seller until long after the transaction was complete. This information was also related to PayPal Credit when I again disputed the charges. In response to reopening the dispute, PayPal once again declined the dispute on the same grounds as previously stated, though they provided no additional information as to the " terms and conditions '' I supposedly agreed to in the sale. It seems clear that PayPal Credit is more interested in protecting profit for PayPal than they are the consumer. Attempting to sell a vehicle without informing the buyer that you do not have the title, as well as claiming that a deposit is non-refundable only after the deposit has been made, both constitute fraud. At no point has PayPal Credit attempted to protect me from this fraud as promised. | ||||||
| 06/22/2015 | Yes |
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| This is a formal complaint against eBay and its associated financial service PayPal for not acting in a fair and reasonable fashion according to the accepted definition of arbitration according to XXXX fiduciary law. On XXXX XXXX, {$160.00} was deducted from my PayPal account without warning or explanation. In " Non-receipt - Claim - # XXXX '', the buyer was awarded a full refund for his claim that Transaction # XXXX was not completed due to the item in question not being received. Upon learning of this issue, I promptly replied by responded to both PayPal and the buyer directly through eBay 's messaging service. I also provide physical proof of the product 's shipment via USPS and the Customs Barcode Number XXXX. The buyer himself had the option to alert me as the shipper that he had not received the item within a reasonable time frame before elevating his concerns to a PayPal claim. That is not a constructive or courteous way to do business particularly with sellers in the eBay marketplace in good standing with as high a rating as I have. Further to that, I negotiated a resolution to the problem directly with the buyer that was satisfactory to him albeit still a financial loss to me. I uploaded the text of that offer to the PayPal claim folder and discussed it over the phone with a PayPal customer service rep who approved of it and welcomed my cooperation. My offer was to replace the item rather than reimburse the buyer because the rarity of the time made replacement a more attractive and valuable option to him. In response, the buyer agreed to " give up XXXX his ) claim ''. I followed by explaining that it would take me a couple of days before sending the poster in question because I was low on funds in my PayPal account. On XXXX XXXX he accepted my offer and agreed with my evaluation of the mishap. However, having not honored his own offer to cancel the claim, before I could ship the replacement item either he, PayPal or XXXX deducted the full amount from my PayPal account which not only disallowed me the ability to purchase shipping, but prevented my ability to ship to any of my eBay customers as it put my account in a negative balance. As these emails document, the buyer understood and agreed on XXXX XXXX that it would take me " a couple of days '' to send the item. However, not did he not fulfill his obligation to cancel the claim, in those two days after the claim was decided in his favor and my money was gone. Not only is that an egregious and callous act on the part of both the buyer and PayPal, but there is no shipping service that would have been able to deliver the package according to our agreement before the case was decided. I was only informed by PayPal with a pair of automatically generated emails that offered me no ability, much less professional courtesy, to respond. When I spoke to PayPal 's customer service, I was met only with didactic, patronizing rhetoric and no constructive explanation or remedy. I do n't need to remind you of what is now public knowledge and that which is increasingly deteriorating your companies credibility and reputation. Recent developments of note in these suits relating to my complaints are : Defendants ' motion to dismiss complaint denied by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX v. eBAY, XXXX, CASE NO. XXXX Though sellers ' user agreements with PayPal say it can put holds on funds during disputes with buyers or with risky sales, it can not simply use its discretion to place holds on funds at random, according to the complaint. PayPal arbitrarily put holds on her and other sellers ' funds. PayPal 's alleged use of arbitrary holds and eBay 's " buyer-is-always-right '' policy. In XXXX XXXX v. eBay XXXX, XXXX XXXX. XXXX, eBay 's bid to dismiss the suit was denied XXXX XXXX | ||||||
| 05/03/2021 | Yes |
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Web | Older American |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Email : XXXX XXXX, XX/XX/2021 To whom it may Concern, My name is XXXX XXXX. I am writing this letter in regards to PayPal. I have a complaint against them. Could you please look into this matter for me? I repair and sale XXXX XXXX Boxes for extra income I am on Social Security. A friend of mine by the name of XXXX XXXX that lives in XXXX come to XXXX to visit his family once or twice each year. Mr. XXXX, in the pasted have purchase XXXX XXXX Boxes from me. I have tried communicating with PayPal about this issue and I also have sent them Invoices, Bill of Sale, and Screenshots Conversations that I had with Mr. XXXX from my cell phone showing that Mr. XXXX do have these items XXXX XXXX XXXX Box and XXXX Air Mouses ) in his possession now. On XX/XX/2021 a person by the name of XXXX XXXX contacts me by phone. XXXX XXXX, gave Mr. XXXX my phone number to contact me regarding to purchasing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, Mr. XXXX also lives in XXXX. I gave Mr. XXXX a quote for the amount of {$640.00} includes the following ( 5 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and for Programming them ) a total of XXXX items. Mr. XXXX agreed on the {$640.00}. He sent the money to me through PayPal with his Credit Card that day on XXXX XX/XX/2021 ). Note : I have a PayPal account. I check my account later on that day and the money was there. So, I transfer the money from my Paypal account into my Bank Checking Account that day. I also placed Mr. XXXX order through XXXX on the same day. His parts came in on XX/XX/2021. Once I received his Items, I program his XXXX TV Boxes and Setup his XXXX Air Mouses. I sent Mr. XXXX a text message on XX/XX/2021, letting him know that I was now done programming his XXXX XXXX Boxes, I then contact XXXX XXXX XXXX his friend from XXXX ) to pick up the parts and take them back with him to XXXX. Note : XXXX was here in XXXX visiting his relatives that week. On XX/XX/2021, I received I email from Paypal saying that I had a - {$640.00} that I owed them this money. I call PayPal back that day XXXX XX/XX/2021, ) and spoke to a representative. She said that the Credit Card was deny by the Card Holder. She told PayPal that she did not make any purchase for the amount of {$640.00}. PayPal also told me that they put the money XXXX {$640.00} XXXX back on the owner Credit Card, and I now owe them the {$640.00} that I transferred into my checking account. I contact Mr. XXXX my phone that same day XXXX XX/XX/2021 ) and ask me what is going on. He told me that the Credit Card is in his girlfriend name and his name is on the Credit Card as a user. He said that his girlfriend did not know that he had used the Credit Card to order the parts until she came home that evening. He told me not to worry it he would take care of this issue. PayPal is still asking me to pay them back the {$640.00} I feel that I am not responsible for the {$640.00}, that PayPal put the money back on the owner Credit Card. Mr. XXXX name was on the Credit Card as a user. What happened between him and his girlfriend is not my problem, also he has the parts in his possession. I have Documents, Screenshots of Text Message, and copy of Voice Messages that Mr. XXXX left on my cell phone regarding the Paypal issues. Can you please help me? Thank you in Advance XXXX XXXX From Paypal Dear XXXX XXXX, We are writing to let you know one of your buyers opened a case for this transaction. The buyer stated that they did not authorize this purchase. Here are the case details : Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/2021 Transaction amount : {$640.00} USD Disputed amount : {$640.00} USD | ||||||
| 02/18/2016 | Yes |
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| Re : Problem with money transfer from PayPal account to bank account ( Transaction ID # XXXX ) Date : XXXX XXXX, 2016 This is to report the problem with money being transferred from PayPal account ( linked with email XXXXXXXXXXXX ) to bank account on XXXX XXXX, 2016. I transferred the amount of XXXX {$4800.00} to bank account from PayPal account and the transferred funds are still not available to this date. After several inquiries from PayPal 's customer service, they fail to provide any specific details about : Why the money is still not available?, When it will become available? or Where the money is right now? Following is the summary of events and conversations with PayPal customer service to date, - XXXX XXXX, 2016 - US {$3500.00} transferred by my brother XXXX XXXX, resident of Maryland USA, to my PayPal account - Transaction ID # XXXX - XXXX XXXX, 2016 - US {$3400.00} is being converted to CDN {$4800.00} and transferred to bank account associated with PayPal account. Transaction status ( still ) appears as " Completed '' on PayPal account - Transaction ID # XXXX - After waiting for XXXX working days for the funds to appear in bank, I contacted PayPal and was told that the money has left PayPal system and I should wait further till XXXX working days. I contacted again after the said period and, after several phone calls, was being told that a withdrawal trace can only be initiated after XXXX working days from the date of initial money transfer. - I called again on XXXX XXXX, 2016, after XXXX working days, and was informed that a trace is being initiated and I will hear back from PayPal within XXXX hours. - After not receiving any information or money, I called back on XXXX XXXX, 2016 and come to know after spending about XXXX hours that no trace is being started on XXXX XXXX, as they were waiting for bank statement showing all transactions from XXXX XXXX till XXXX XXXX and that they already notified me about this, which is not exactly accurate, since the notification was in reply to my email on XXXX XXXX and no such requirement was emphasized during the conversation on XXXX XXXX. Anyways, I uploaded the statement copy on XXXX XXXX. - I called again on XXXX XXXX, 2016, and after again spending close to two hours and talking with XXXX different peoples come to know that the withdrawal trace come back with the message that the money would be made available either in the PayPal account or bank account as quickly as possible and that initiating any further trace is useless. They are not able or willing to provide any specific information regarding when this money will be available, what happened to the money, where it is or why this has happened. The above explained situation leaves me, in my opinion, with no option but to report it to concerned authorities. Please note that I burrowed this money from my brother in emergency to make some outstanding payments and this unexpected problem with the money transfer has financially and emotionally impacted me very badly, therefore, I would not be wrong in expecting to receive compensation along with the immediate return of the original amount. Please do not hesitate to contact me, if you have any queries or concerns. Please let me know if I need to report this matter to any other office or regulatory body. Thank you. Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Distribution List : - XXXX Treasury Board and Finance - Financial Consumer Agency of XXXX, XXXX, XXXX - Maryland Office of the Commissioner of Financial Regulation - Consumer Financial Protection Bureau, XXXX - XXXX Department PayPal - Emailed as attachment to some available email addresses of PayPal executives, including, o XXXX XXXX, CEO Paypal o XXXX XXXX, SVP Cust. Ser. & Ops. | ||||||
| 05/16/2015 | Yes |
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| My name is XXXX I live at XXXX XXXX XXXX XXXX in XXXX wa XXXX1 My phone number is XXXX, I recently moved and I 'm a struggling student. 2 months ago I spent all the money I had in my savings in purchasing XXXX new iPhone 's off XXXX for a good deal. These were valid legitimate phones -the serial numbers checked out with XXXX and XXXX - they werent blacklisted, or stolen, all XXXX phones were brand new, sealed, unopened and never used, so I decided to try to sell them on ebay. I 've never sold anything online before, but I 've seen advertisements and claims of protecting sellers, buyers, all kinds of promises were made to me before I signed up - so I felt safe initially in posting all XXXX phones. XXXX by XXXX they all sold, over the course of a week and a half - and when the XXXX phone sold, I got an email from paypal- telling me that my account was limited, and I needed to provide documentation to prove my identity. At XXXX paypal asked for a few things, but as I started uploading my information to their website - statements, bills, my identification, social security number, etc, every docment I uploaded to confirm my identity was met with a request for another XXXX DIFFERENT documents. Right when I uploaded XXXX of my last documents, a XXXX bill in my name with my address, they limited my account permanently - without appeal. They informed me they 're holding my funds for 180 days, and there 's nothing I can do about it. I 've been calling paypal XXXX a day now for a week straight, and every single person I 've talked to has given me different requirements. They all keep saying the same thing, that I agreed to their terms of service - and when I asked them why they were doing this, they said that they need to hold onto the money to protect themselves in case of chargebacks for 180 days. This is in spite of the fact that all XXXX items tracking numbers show delivered, all XXXX items received positive feedbacks and gratitude from their buyers, all XXXX items have been activated on their respective carriers without issue, and most importantly, at the time of the sale before i shipped, I was assured by paypal that I qualify for seller protection which would negate the ill effects of things such as chargebacks or item not received claims. The whole time leading up to this, i was reading stories of buyers abusing these systems to take advantage of sellers, and I was so scared at XXXX point I considered scrapping the remaining XXXX auctions and cancelling them as well as the XXXX XXXX before shipping the phone out and just selling them locally. I wish I had done that now, Paypal limited my account, not allowing me access to any of my funds for 180 days.This was all the money in the world I have to my name, and it 's locked up making interest for paypal for 6 months now. My ebay account got closed because I could n't pay the seller fees because paypal wouldnt release my money to ebay to cover the fees. The account was then sent to collections. I do n't have money to pay my rent, I 've tried calling paypal multiple times asking them why they are doing this, but keep getting canned responses. I followed their rules down to the t, I took all the precautions to protect myself, and now i 'm facing eviction. I 've provided the documentation they 've asked for, and they refuse to do anything until 180 days has passed, the last XXXX times I called on friday I was simply trying to add a bank account to my paypal account in preparation to receive my money into it, as far away as it may be ( they said XXXX XXXX ), and all XXXX attempts failed as their employees seemingly mocked and ridiculed me, telling me that im wasting my time and there 's no point in adding a bank account since I ca n't pull the money out anytime soon anyway. UNREAL ... | ||||||
| 03/29/2022 | Yes |
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| *Please find screen captures/pdfs of the following to validate report* On XX/XX/XXXX, {XXXX} was paid/transferred by card to my PayPal account. A transaction fee of {XXXX} was subtracted immediately from the {XXXX} and the remaining XXXX} was subsequently put on holdwith the notification it would take 21 days for funds to be availableon XX/XX/XXXX. I have no way to access my money. When accessing account ( between XXXX ), PayPal prompts show questions to be answered to expedite release of funds being held. I answered questions repeatedly, and at the end of each session a screen displays " technical difficulties '' on PayPal 's end, and the information does not get submitted. On XX/XX/XXXX, I made a purchase at XXXX to purchase, I read ( what I thought meant ) that if card balance could not pay for purchase, funds in wallet could be used. As I assumed purchase to be paid for by wallet funds ( PayPal is in possession of the money not me ), I proceeded. The purchase made was submitted to my card on file and not the wallet, and upon notification from my bank, I immediately notified seller to cancel purchase. XXXX customer service said the matter needed to be escalated to higher departments, and they do not work on weekends. When I was not promised the sale would be canceled, I filed a cancel payment claim with PayPal stating I apparently did not read directions correctly but I made purchase and cancelled immediately with seller when I realized my card was used and I did not have funds, but could not receive a confirmation of cancellation by seller. PayPal responded that it may take weeks to investigate. The payment went through on XX/XX/XXXX, and it debited my account and caused an overdraft of $ XXXXand completely diminished any way of payment for 4 days, as card account was in negative balancea situation I explained to both XXXX and PayPal when canceling purchase. On XX/XX/XXXX, PayPalstill holding my fundssent an email prompting me to add another card or attach another bank account. On XX/XX/XXXX, PayPal denied my cancellation stating : " based on the information we have to date, we have denied your case. This decision was made because your billing dispute doesn't match our qualification for a billing dispute. '' I was not allowed a grace period to cancel a purchase within 24 hours ( I did it within 1 hour ) by eitheXXXX XXXX nor PayPalbut XXXX cancelled by my filing a cancellation with PayPal. PayPal, on the other hand, did not find my cancellation request valid, nor do they allow me access to my funds. I believe PayPal to have fraudulent business practices by taking their transaction fee without releasing the funds of said transactionthe transaction is incompletewhich is what I believe to be PayPal 's excuse for not releasing MY MONEY. On XX/XX/XXXX, I did call my bank and reported the matterI waited until XX/XX/XXXX because a XXXX rep promised I would be called about the purchase matter on XXXXI was not called, they simply sent an email saying purchased was cancelled and they will not take my card ever again. I spoke with my bank about the practice of holding funds after taking a transaction fee, and the bank rep had never heard of that situation. I have deposited ( high four-figure $ amounts ) checks to my bank with only a 10-day hold on their part. PayPal is holding a relatively small amount of money that has already been debited from the sender, and for which they have taken a feeI believe they need investigating for holding funds unnecessarily for profit/gain. Also, PayPal sending an email for me to attach another card while holding my funds I find to be a blatant practice of coercion for me ( the account holder ) to comply to get access to monies already owed to me. Thank you for any assistance. | ||||||
| 07/23/2015 | Yes |
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| Paypal used the a method for payment without my authorization, lack of satisfactory response and security concerns. I used paypal for a payment. Paypal at the time of sign up offers various payment options being bank account, credit card etc. This is based on the the understanding that the user like me can choose the desired one at the the time of making payment. However when I paid for the transaction ( Attachment XXXX ) in question it did not give me the option and instead debited my bank account. When I took up the matter with them they responded giving reference to another case number and person. Further when I responded to them ( Attachment XXXX ) highlighting the mistake and security concerns, they have not bothered to respond. Request to take it up with paypal. Below are the details of the communication with paypal for referenceello, I am shocked by your below response as it raises fundamental data security issues and does not even remotely address the concern raised by me in the below mail. Following are the basis :1. Incorrect Name/Case No : my name is XXXX XXXX as against XXXX XXXX, indicated in the below mail. further my case no is XXXX as against XXXX indicated in below response ( extract of original mail with case no below ). This raises fundamental question on data security by a payment provider like you. Sharing my personal data with a third party is unacceptable. Kindly clarify the oversight. 2. When I sign up to paypal, the basis of my sign up is the flexibility of payment sources. However for below payment it did not offer me the said flexibility and without checking debited my primary source of payment being my bank account. This is unacceptable and hence I had requested reversal and it being charged to my credit card. You can not deny me the choice of selecting a payment source when it is part of the service offerred. I also demand compensation, as I suspect due to lapse of control at your end you have shared my contact details with a third party ( below mail is an example ). Should you not be able to provide a satisfactory answer plan to take it up with the regulatory authority like Consumer Financial Protection Bueareu ( CSFB ) and press. We 're reviewing your case # XXXXHello XXXX XXXX, Recently, you told us that you did n't recognize a payment sent from your PayPal account, or there was an issue with your transaction. Here are the details : Transaction date : XX/XX/2015Transaction ID : XXXXTransaction amount : {$98.00} USDRecipient email : XXXXXXXXXXXXWe 've asked the seller to send us more information about this transaction within 7 days. While we 're investigating, the money wo n't be available in your PayPal account. If the case is decided in your favor, we 'll refund you for the amount of the transaction. To see more details, log in to your PayPal account and go to the Resolution Center. Thanks, PayPalHelp Center | Resolution Center | Security CenterOn Sun, XXXX XXXX, 2015 at XXXX, & lt ; XXXXXXXXXXXX & gt ; wrote : Dear XXXX XXXX, While filing this unauthorized account use claim, you reported that you initiated the transaction, but selected the wrong payment source. Because your account security is our top priority, we fully investigated your Unauthorized Account Use Claim. We 've determined that this payment is not a case of unauthorized account activity, and as a result your claim has been denied. To request the documents that we relied on in making this decision, please email us at XXXXXXXXXXXX. You can also mail your request to : PayPal, Inc. Attn : Unauthorized Account Access AppealXXXX. XXXX XXXX, XXXX XXXX your request, please include your name, the email address on your PayPal account, and the date you filed the unauthorized account use claim. Sincerely, XXXX | ||||||
| 05/27/2015 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX XXXX XXXX and I am reaching out to you regarding a PayPal transaction dated XXXX XXXX, 2015. This transaction was in connection with a motorcycle that I sold. I am an XXXX veteran and a XXXX in the XXXX XXXX. On XXXX XXXX, 2015, I listed a XXXX Kawasaki Ninja for sale on eBay. The terms of the listing agreement were : the buyer would be responsible for vehicle pick-up, deposit of {$1000.00} XXXX within XXXX hours of the close of the auction, and {$1900.00} USD within 7 days of the close of the auction. On XXXX XXXX, 2015, I received a notification from eBay that XXXX XXXX XXXX had bought the XXXX Kawasaki Ninja ( license number : XXXX and VIN : XXXX ) for the full amount listed ( {$2900.00} ). XXXX XXXX sent {$1000.00} within an hour after the purchase and then {$2000.00} a few hours later. Both transactions were done using PayPal. On XXXX XXXX, 2015, XXXX XXXX emailed me his phone number so I could contact him to make arrangements for him to pick up the motorcycle. I called XXXX XXXX on XXXX XXXX, 2015, and he told me that his address was XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is 30 minutes away from my location. XXXX XXXX advised that he would pick up the motorcycle at my house. XXXX XXXX picked up the motorcycle and title document on XXXX XXXX, 2015 at XXXX at my residence, XXXX XXXX, # XXXX, XXXX, CA XXXX. On XXXX XXXX, 2015 I called XXXX XXXX and left a voicemail to make sure he made it back to XXXX safely and he responded by text that he already sold the bike to someone else. On XXXX XXXX, 2015 I filed a transfer of liability with the DMV to advise that XXXX XXXX purchased the motorcycle. On XXXX XXXX, 2015 I received a call from PayPal stating that XXXX XXXX claimed that he did not authorize the credit card transaction and was requesting a chargeback. On XXXX XXXX, 2015, PayPal advised that they disputed the chargeback with XXXX XXXX 's credit card company who had decided in the buyer 's favor. PayPal then advised me that I would be responsible for paying back {$3000.00} USD plus a {$40.00} fee. XXXX XXXX took the motorcycle into his possession on XXXX XXXX, 2015. He should be responsible for paying for the motorcycle under the terms stated in the listing agreement. I upheld my duty under the purchase agreement to surrender possession of the motorcycle to XXXX XXXX, so I am entitled to the purchase money listed in the purchase agreement. I have provided PayPal with all of the texts XXXX XXXX and I exchanged leading up to and after XXXX XXXX picked up the motorcycle, the transfer of liability that I filed with DMV, and the police report I filed with XXXX Police Department. I have contacted PayPal XXXX a week since XXXX XXXX to resolve the issue. They told me they filed a dispute with the Credit Card company but refused to send me any proof of the decision that was made. I 've also emailed the CEO to resolve the issue, and the account-review representative stated that the transaction was not covered under the Seller Protection Policy. PayPal 's User Agreement, Section XXXX, states that vehicles, including motorcycles, are not eligible for reimbursement under PayPal Purchase Protection. PayPal violates its own User Agreement and has refused to take any legal or financial action against the buyer to pay for the transaction through other means, but instead sent my account to collections. I will be filing a civil lawsuit against PayPal if they do n't resolve this matter right away. I am asking that PayPal clear the {$3000.00} negative balance on my account and pursue XXXX XXXX for the money he owes. Thank you for your anticipated assistance in resolving this matter. I trust that you will investigate the situation and ensure that a member of the XXXX XXXX is not defrauded. | ||||||
| 11/11/2021 | Yes |
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Web | Older American |
| 1. I noticed two irregular payments to PAYPAL XXXX on my XXXXXXXX XXXX XXXX credit card statement posted on XX/XX/XXXX ; one for {$61.00}, the other for {$66.00}. 2. I checked my PayPal account : on XX/XX/XXXX, XXXX PayPal made two automatic payments to XXXX XXXX XXXX for {$66.00} and {$61.00} using my XXXX XXXX XXXX VISA Credit Card. On or about this day I called PayPal to report the irregularity and was advised to take certain security measures, and to report the matter to my credit card company. They offered no further assistance. 3. On or about XXXX I called the XXXX Fraud department to report the irregularity. My credit card was canceled, a new one mailed and the funds were reaccredited to my account on XX/XX/XXXX. 4. On XX/XX/XXXX I received communication XXXX stating that their decision had been reversed because of additional information furnished from the merchant. As it turns out, the information was offered by PayPal. Based on this information, the refund of {$61.00} was rescinded but the other was not disputed. XXXX. I have placed multiple calls and spoke with various XXXX agents and PayPal agents on their fraud lines. Eventually I learned that my money was paid to XXXX, which I believe is an incorrect or fraudulent transaction. 6. I called PayPal on XX/XX/XXXX and asked for information concerning the vendor was told that they could not provide me with specific demographics Despite having transaction numbers and invoice IDs, no PayPal agent was able/or would provide me the specific name or location of the vendor. I was advised to call XXXX. 7. I called XXXX customer service line on XX/XX/XXXX. The agent took the specific transaction reference numbers, and then informed me that there is no record of these transactions. 8. I initiated a CFPB complaint ( XXXX ) against the XXXX XXXX XXXXXXXX concerning what appears to be 2 fraudulent charges against my credit card via PayPal. On XX/XX/XXXX I received XX/XX/XXXXs response which is logically inconsistent, and does not appear to close the loop on the matter. They are basing their conclusion based on information provided by PayPal. 9. In way of dispute, PayPal reported to XXXX that 4 prior purchases were made using my email, Card and PayPal account were not contested me. Note that none of these transactions involved the merchant, PAYPAL XXXX. 10. XXXX/XXXX/XXXX two separate charges were submitted to my account in the amount of {$61.00} and {$66.00} from the merchant PAYPAL XXXX. XXXX eventually rescinded the refund of {$61.00} but not the other. Of the two charges submitted by PAYPAL XXXX on the same day, which I believe to be unauthorized, why did PayPal dispute but one refund charge but not the other? 11. On XX/XX/XXXX I spoke with a PayPal agent, XXXX to again ask for the name of the merchant to whom PayPal transmitted the disputed charge. However I was again informed that PayPal could not/would not furnish me that information. I insisted that the charge was inappropriate and asked her if it could investigated. She told me that any investigation would be internal, and that I could not be privy to any eventual conclusion. 12. To put it succinctly : Despite all the documentation concerning these charges available to PayPal, it unable or unwilling to provide me the precise name of the merchant who alleges these services for which it was paid. I have no recollection of purchasing this service, and would like verification from the vendor the nature of the service I allegedly received. It is inconceivable to me, as a consumer, that the merchant PAYPAL, can approve transactions using my XXXX credit card without the ability or apparent responsibility to provide me with the demographics concerning the merchant to whom my money is transmitted. | ||||||
| 11/18/2020 | Yes |
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Web | |
| XX/XX/XXXX Made a purchase of {$2900.00} on XXXX, which I cancelled right away. That day, XXXX gave me a credit of the same amount before charging me. XXXX XXXX XXXX charged me {$2900.00} XXXX XXXX A few months later, I noticed the charge on my account, but mistakenly did not see the credit so I opened a dispute with PAYPAL CREDIT for fraud , thinking that XXXX charged me for an item that I cancelled. When I contacted XXXX, I changed my password, went through a security process to secure my account, and my PAYPAL CREDIT account was suspended. XXXX XXXX PAYPAL CREDIT credited me {$2900.00} XXXX XXXX PAYPAL CREDIT closed my dispute XXXX XXXX I noticed a negative balance on my PAYPAL CASH card of - {$2400.00} in an account that I had {$500.00} in previously. I opened PayPals chat tool on their website, and waited 14 hours to be in contact with an agent who told me that I had to contact PAYPAL CASH, because PAYPAL CREDIT and PAYPAL CASH are two separate entities. XXXX XXXX When I contacted PAYPAL CASH, they explained that I made a mistake by opening a dispute on XX/XX/XXXX, because I had already been credited ( on my paypal credit account XXXX so they took the money out of my PAYPAL CASH account, instead of my PAYPAL CREDIT account where the original transaction occurred. They informed me that I was responsible for repaying the amount of the credit they issued on XX/XX/XXXX. I questioned why they took the money from my PAYPAL CASH account, instead of my PAYPAL CREDIT account, because that is where they originally credited me on XX/XX/XXXX. They transferred me to their payment department. They asked me how I could make the payment, and I told them I could make the payment with my PAYPAL CREDIT card, where the original debt occurred. They informed me that they couldnt collect the payment from my paypal credit account ; it had to be a checking account linked to my paypal. I told them the only account linked to my paypal was my XXXXXX/XX/XXXX account, but I did not have the funds on there, and they could not charge that account. Afterwards, the agent told me they could try to charge my PAYPAL CREDIT card ( even though moments earlier they said they couldnt. ) He tried to charge my credit card, but the system denied the transaction, even through I had enough credit to cover the debt. The conclusion of the phone call was that if I couldnt be charged on my Paypal CREDIT account that I couldnt pay for the debt at the time. Because I was worried about resolving this, I called PAYPAL CREDIT that night, spoke to an agent named XXXX who opened a work case, went over my transactions with me, took notes of the mistakes made, and guaranteed me that they could transfer the debt from my paypal cash, over to my paypal credit. That never happened. XXXX XXXX I opened my XXXX XX/XX/XXXX app, and noticed a transaction that said ACH Electronic debit PAYPAL RETRY PYMT XX/XX/XXXX - {$2500.00} which left my account overdrawn by {$2300.00}. I checked my Paypal CASH to see if they transferred my debt to my XXXX XX/XX/XXXX card, even though I did not authorize it, and the balance on my paypal cash remained Negative {$2400.00} They charged me on both of my accounts, and never transferred the debt to my Paypal Cash like they told me they would on XX/XX/XXXX. I contacted Paypal assistant on their website to no avail, because I could not reach an agent on the phone. Until this is resolved, I will be left with no money. I have a XXXX child who I need to care for, and PayPals negligence in this situation has left me emotionally, and financially devastated. If there is any way you could help me in this situation, I would greatly appreciate it as Paypal has been sending me in circles and has drained all of my bank accounts. | ||||||
| 08/13/2020 | Yes |
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Web | |
| On XX/XX/2020, I scheduled a payment through Venmo ( Paypal ) to user " XXXX XXXX ''. The payment amount was {$160.00}, and the transaction ID was XXXX. The payment was to be drawn on my checking account ( NOT a debit card, but the actual checking account ). It immediately became apparent to me that this person was scamming me, so I contacted Venmo to cancel the transaction and then I contacted my bank to stop payment. My bank successfully stopped the payment. However, I received an email from Venmo on Tuesday, XX/XX/2020 stating : " The following transaction could not be funded by your XXXX XXXX XXXX account ending in XXXX. {$160.00} to XXXX XXXX XX/XX/XXXX XXXX and shipping. Reason from your bank : " Payment on this item has been stopped ''. Don't worry, we covered you and XXXX XXXX has the funds. However you now owe Venmo {$160.00}. Your account has been frozen ... .. I have NEVER applied for credit with Venmo, and I NEVER gave my consent for them to " cover '' me if my payment method fails. I am being advised that they will pursue collections against me if I do not pay, despite the fact that I didn't apply for any form of credit with them, intentionally stopped the payment AND notified them that the transaction was fraudulent and shouldn't be completed. Instead of them trying to collect from XXXX the funds he received and was not intended to receive, they instead want to punish me and reward a criminal. Keep in mind, THEY GAVE HIM MONEY ON MY BEHALF AFTER I REPORTED TO THEM THAT HE WAS SCAMMING ME. They intentionally ignored my notification and gave money to him anyhow, even though I was able to cancel it at my bank. Upon scouring the User Agreement offered by Venmo, it states this with regard to failed transactions : " Bank account transfers When you use your bank account as a payment method, you are allowing us to initiate a transfer from your bank account. For these transactions, we will make electronic transfers from your bank account in the amount you authorize. You authorize us to try this transfer again if the initial transfer is rejected by your bank for any reason. '' As you can clearly see, it states they will try the transfer again, it DOES NOT state that they will pay it for me and bill me later. How can any consumer derive from this that they are going to pay something for you and collect it later? It ONLY states they will TRY THE TRANSFER AGAIN. It is absolutely deceptive and misleading to fail to inform a consumer that Venmo may make payments on your behalf, essentially forming a line of credit for which you did not apply or agree to receive. I expect Venmo to follow their reversal procedures and collect the unauthorized funds from the person THEY chose to give them to. Further, I reported to Venmo that this user was clearly scamming others, as evidenced by commentary made on public transactions with this user, yet Venmo has taken no action. Lastly, I repeatedly contacted Venmo about this issue and I just kept receiving responses that did not at all address my questions or concerns. They have made it IMPOSSIBLE for consumers to protect themselves and to avoid harm. If a consumer has identified a fraudulent situation, they should be HELPING THE CONSUMER, NOT THE CRIMINAL, yet, their deliberate acts to ignore requests for help, communications about criminal activity, and actually want to collect funds from victims instead of scammers suggest that they have an interest in perpetuating fraud and scams against innocent consumers. Why on earth would they decide to try to collect money they gave to a criminal from me, instead of going to the recipient of the money and demand he/she repay it? Right there should tell you everything you need to know about their morals, ethics, and agenda. | ||||||
| 05/26/2021 | Yes |
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Web | |
| To whom it may concern, I had a previous CFPB complaint submitted on XX/XX/XXXX with paypal ( Ref # : XXXX ) On XX/XX/XXXX I recieved a resolution notice from CFPB, and paypal. I recieved the following : " Upon receipt of your Complaint, PayPal completed a subsequent review of Account 1 and Account 2 and determined the limitations were placed in error. More specifically, the accounts were not cash advancing. As a result, the limitations were removed from both accounts. You were notified via email. '' After this notification, I was successfully able to log into paypal, and I had only 3 transactions ( 1 of which funds transfer from my checking account into paypal ). The three transactions all comply with paypal 's terms and limitations. There was no cash advance and no fraudulent activity. On XX/XX/XXXX, I once again recieved an email ( Ref ID - XXXX ) stating I can no longer use paypal, and that my funds will be witheld for 180 days. I recieved the following message " As a result, your account has been permanently limited, with no further ability to send or receive funds. '' I truly belive this is error again, as I have done nothing wrong. I did not do any type of fraudulent activity, or any cash advance 's. I added funds to my paypal account from my bank account ( same bank account for over 20 years ), and I did everything withing paypal 's terms and conditions. I truly value my longterm relationship with paypal for over 20 years, and I'm very disheartened by the second permenant limitation placed on my account within a short amount of time ( within 3 weeks ). I would like to have a conversation with the XXXX XXXX Operations Unit, and be given an opportunity to discuss this limitation. I can be reached at XXXX ( 24 hours ) a day, or via email : XXXX For the reference to this case, I am showing you the response from paypal on XXXX XXXX, for my first CFPB complaint # XXXX, which they admitted to error on there behalf : " Company 's Response On XX/XX/XXXX, you created a PayPal account ( " Account 1 '' ), using the email address XXXX, at which time you agreed to PayPal 's user agreement ( " User Agreement '' ). On XX/XX/XXXX, you created a PayPal account ( " Account 2 '' ), using the email address XXXX, at which time you agreed to the User Agreement. In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a higher than average amount of risk associated with Account 1. Specifically, the money movement in and out of your account balances reflected cash advancing, which is strictly prohibited by the User Agreement. As a result, PayPal requested that you provide a copy of your photo ID, and an explanation of the recent account activity to review the limitation. You provided the requested information on XX/XX/XXXX. On XX/XX/XXXX, after reviewing the documentation provided, PayPal determined we were unable to mitigate the risk associated with Account 1. As a result, we denied your appeal. Further, PayPal placed a permanent limitation on Account 2 due to the risk factors listed above. You were notified via email that the balance of Account 2 would be held for 180 days. However, at the time of the limitation, the balance for Account 2 was {$0.00}. Upon receipt of your Complaint, PayPal completed a subsequent review of Account 1 and Account 2 and determined the limitations were placed in error. More specifically, the accounts were not cash advancing. As a result, the limitations were removed from both accounts. You were notified via email. DESCRIPTION OF NON-MONETARY RELIEF On XX/XX/XXXX, PayPal restored access to two of your PayPal accounts. | ||||||
| 10/16/2019 | Yes |
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Web | |
| I tried selling an XXXX XXXX XXXX on XXXX and typically use paypal as the intermediary to help me collect my money for selling my products online. I have sold numerous items in the past but for some reason, selling this XXXX XXXX XXXX has become a complete nightmare for me. I don't have all the exact information because the information is in my paypal account currently and Paypal refuses to allow me to log into my account. This was maybe a year or two ago, but I offered a XXXX XXXX XXXX on XXXX for pretty cheap because I was trying to get rid of it. Once a buyer accepted my offer, I proceeded with the usual steps one takes to ensure that the transaction goes through. I paid for the shipping fee that was coming out of my pocket to the buyer and thought that would be the end of this transaction. However, for some reason, despite my delivery and payment of shipping to the correct provided address, the buyer never ended up taking the product. The package has most definitely been redelivered numerous times, each time ending up as a failure. So, eventually my XXXX XXXX XXXX was returned to me and the transaction for almost selling my XXXX was reversed on my Paypal account which makes sense. HOWEVER, despite being the responsible seller of the product that fulfilled every part of the transaction, Paypal then decides to unjustifiably charge me an additional {$150.00} without cause somehow even though I was the seller of the transaction and have already returned the funds I would've received from the sale of my Ipad. I have spent numerous hours and different days explaining my position to the customer agents at Paypal but they never ended up doing anything. To make things much worse, they eventually sent the charge of {$150.00} to a debt collector, whom I've also spoke to and explained my circumstance but to no avail. Each time I try resolving this simple issue of overcharging the wrong person, I would get the response from the agents at the debt collection agency. " Sir, you need to speak with paypal customer service representative to resolve this issue because we can not do anything on our end. '' Then, the debt collection agency would patch me through to a paypal agent or customer representative. The hilarious messed up part of this whole experience is that the moment I reach a paypal agent or someone, the phone call would just get dropped as if they are purposely not allowing me to contact them. So, not only are they preventing me from accessing my paypal account that has all the information of the transaction and delivery tracking number, they constantly refuse to talk to me. I have reached out to them probably over 10 times over the last few years & months all at random times and dates only to experience the same behavior by the people at Paypal over and over again. In fact, at some point, I realized I couldn't even reach the paypal agents if I wanted to to try and resolve a problem they wrongly put on to me. Each time I call Paypal now, I immediately get transferred to the debt collection agency. And each time I explain my circumstance to the debt collectors, they patch me to paypal supposedly and paypal just immediately hangs up on me. I have never been more frustrated, annoyed, and pissed-off angry at the service provided to me. I'm not even sure how to go about fixing my problem because the customer representative of both Paypal and the debt collection agency keep sending me to dead end solutions with no possible resolution. I am very frustrated by the way I have been treated and am certain that if I were to take this into any type of court, I would most definitely win my case for the representatives at Paypal have absolutely no excuse for their behavior and actions against me. | ||||||
| 06/20/2020 | No |
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Web | |
| I was defrauded a {$900.00} worth laptop and {$600.00} transfer. I was selling my personal laptop, and I got a buyer ( scammer ) who asked me to send out the PayPal request to him through PayPal and he would pay me through PayPal. I sent out the request through PayPal Portal, and I got the " PayPal '' notification email in 20 minutes, said that the {$800.00} from XXXX XXXX is pending. I was trying to call PayPal to ask if there are any transaction fee, but PayPal customer service not available said there are no customer representative, and the Automatic Voice system couldnt give me any related answer to my question. Then I shipped the laptop through XXXX to '' the buyer ''. I then got another email from " PayPal '' that I got that pending money on hold because I am not a business account and the amount of money is too big, I have to upgrade to business account after the balance reaches XXXX. At this time, the scammer called me and asked me if I get the money, I told him that money is pending. Still, I called PayPal customer service to verify what is the requirement of Business and personal account since I havent bought and sold through before, and I did not acknowledge the policy and the email. I tried many times and tried to log into my account to find any clue. However, my account can not be accessed. It showed access denied and I called, still no customer service. Then buyer was calling me again and again, said that he already put money in the PayPal and he wanted the transaction to be done and wanted to help me to make sure I can get the money, and he even asked me to take a screenshot of the email. He then said I could transfer him XXXX dollars and he would send additional XXXX to the Paypal then I can get the cashout. I trusted him. After I transferred to him, I got another email from " PayPal '', it is the similar thing again, I need to upgrade to XXXX to get cash out. I sent another XXXX to that person 's different account through XXXX XXXX by XXXX. Then he claimed that he did not receive the money and asked me to send another {$400.00} to a different XXXX account. I finally got suspicious. I said I am calling the police. The scammer called me so many times and he had a very foreign accent and I hardly can understand him. And the scammer emailed me again with a different email and claimed to be the FBI. And even now, I still can not log into my account through the web to file a dispute or resolution. I can use my XXXX to see the mobile app, but I can not find any relevant information for transactions. I unlinked all my cards ( Thanks to XXXX XXXX XXXX ). My account got hacked by the scammer, and the scammer used my PayPal account information to defraud me through buying my laptop and asking me to transfer money through XXXX to them. I tried to call PayPal customer service so many times during the past several days, but PayPal customer service is no working and no one help me. Because of the weak customer support system, the scammer got my laptop and my money, which is {$1500.00} worth at least. And PayPal even let the scammer cancel my account or report my account that I can not log in at all to check any status of my account to cutting losses. I am soooo ANGRY about this POOR customer support PayPal has. In conclusion, how this works : the scammer used the Vulnerability of PayPal 's customer service at this time to get my personal information of my Full Legal Name, email address ( for all my financial accounts ), my phone number to defraud me for the past week. And it started by asking me to send the money request through PayPal app, and guarantee the scam can be succeeded through blacklisted me from checking PayPal status and take the advantages of the NON-AVAILABLE customer services. | ||||||
| 02/04/2023 | Yes |
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Web | |
| It all started in early XXXX. I used the card to my debit account and checking account to make purchases on Venmo. Recently I've noticed a trend of Vemno taking a significantly longer time to take money out of my account for all transactions. This includes sending payments to friends and family, and payments to apps and businesses such as XXXX and XXXX XXXX ect. Because of this, while I had the funds for all the purchases I made, at the time, by the time they took it out I bounced with a charge of negative {$40.00}. This was the FIRST Time Vemno Froze my account. Vemno contacted me, and let me know my account had been frozen for a negative balance, and it would be restored as soon as I paid off the XXXX. The first time I tried to pay the balance I didn't have the funds, and it bounced. They doubled my negative balance to - {$80.00} for the failed payment. I did not try to pay off the charge again until I was sure I could cover it, This was about a week later. Sometime around XXXX XXXX. This time I did have the funds, but Vemno said it would take a couple of days to verify the payment. I had no problem with this whatsoever. But what ended up happening is Vemno took the {$80.00} out of my XXXX, the transaction was still listed on my account as processing. Then When someone sent me {$130.00} dollars, Vemno took out {$80.00} of that to pay my negative balance. This is when my account was reinstated. But when it was reinstated, Vemno neither returned the {$80.00} from my XXXX checking account or returned the separate {$80.00} they took out my vinmo balance. On XX/XX/XXXX, I filed a complaint on Venmo 's official website to resolve this issue. It was at this point my count was frozen a second time. When they froze my account this time, I was also locked out, and unable to reset my password. I contacted Venmo multiple time through their customer support phone line and email. I was informed through customer support agents I spoke with that they knew nothing about why my account was frozen and all thy could do is move my complain forward. through later communications customer service was able to share with me that I needed to verify my identity to have my account unfrozen. I sent in photos of ID at Vemno 's request multiple times. But each time they said they never received it. After the fifth time, I finally got confirmation from Vemno custer support that they had received my ID and an specialist agent would be in touch shortly. This was on XX/XX/XXXX or XX/XX/XXXX. I finally received a very brief vague email from a vemno specialist on XX/XX/XXXX. They just said my account was blocked and restricted from viewing transactions. But they gave absolutely no indication of why my about was frozen, what was being done to resolve the issue, or when I could expect to here from them. This was after I said multiple times in communications with Venmo that I would like to speak with someone whow was authorized to speak with me about the problems with my account. I've bene given know way to connect with specialist other than through customer service agents. This is a lot of information at once, so to clarify in a brief summary : 1. I had a negative balance of {$40.00} 2. Tried to pay it off, payment was declined, and payment doubled to {$80.00} 3. Then I paid full {$80.00} with valid funds from my chime checking. Venmo still had it marked as pending dispute the fact {$80.00} had been take out of my prime and sent to venmo. 4. The Freeze on my account was lifted when a friend sent me {$130.00} on Venmo and Venmo took {$80.00} out of that. 4. But they never refunded the double charge from my chime account OR venmo balance 5. My account was frozen hours after I requested a refund for the double charge | ||||||
| 07/17/2023 | Yes |
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| Dear CFPB Team, I am writing this letter to file a formal complaint against PayPal for their unfair and unjust treatment towards me as a user of their platform. The purpose of this complaint is to bring to your attention the egregious actions taken by PayPal, including closing multiple disputes in my favor, confirming receipt of echecks from the merchant, sharing timelines for payments on more than one occasion, but subsequently limiting my account and refusing to refund the disputes to my credit cards. Despite having written proof from several PayPal agents in the Messaging Center, along with multiple supervisors/managers over the phone acknowledging the validity of my disputes and ruling in my favor, they have unjustly withheld the funds from my credit cards, leading to unwarranted financial hardships including thousands of dollars in interest fees and unneeded stress in an already chaotic life. This refusal to return the disputed amounts to my credit cards is not only ethically questionable, but also in violation of PayPal 's own policies and the Consumer Financial Protection Bureau 's guidelines. During my most recent call ( XX/XX/XXXX ), an agent and supervisor both refused to share which organization ( s ) is/are responsible for overseeing them as a financial institution. Instead, they insisted that I write a letter ( no phone number and no email address available ) to the Legal Department while refusing to accept my requests to escalate this situation to a higher level within the organization. After numerous attempts to resolve this matter with PayPal directly through their customer support channels, the responses continue to be evasive, and I have not received a satisfactory resolution to my complaint. Their lack of transparency and unwillingness to address my concerns have left me with no other option but to seek assistance from an external regulatory authority, such as the Consumer Financial Protection Bureau. Sometime after the most recent message assuring me that the disputes were closed in my favor ( XX/XX/XXXX ) and would post to my credit cards in 3-5 business days, PayPal abruptly placed limitations on my account without any warning or explanation. This limitation has severely restricted my ability to use the platform for essential transactions and access my disputed funds. Despite numerous attempts to reach out to PayPal 's customer support, I have received only generic and unhelpful responses, with no resolution or clear reasons for the account limitation. Prior to the account limitation, I had initiated several disputes regarding purchases from a merchant that was unable to fill and ship my orders on my PayPal account. To my dismay, PayPal initially sided with me on these disputes and closed them in my favor. However, instead of promptly refunding the disputed amounts to my credit cards, PayPal instead placed a limitation on my account and offered no clarity pertaining to the limitation, exacerbating the financial strain. The final straw was the supervisor on XX/XX/XXXX telling me they would be happy to release the funds to my credit card company, but are unwilling to offer any actionable insights to the consumer with a 20+ year PayPal account. PayPal 's actions have been unjust, unfair, and contrary to the principles of transparency and consumer protection. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against PayPal to ensure fair treatment of its users and compliance with relevant regulations. I will happily share any supporting documentation requested, including transaction records, communication with PayPal customer support, and any other relevant evidence, to substantiate my complaint. Best. | ||||||
| 06/06/2019 | Yes |
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| I sold my personal vehicle to someone out of state for the negotiated price of {$64000.00}. The ad was posted on XXXX with a {$1500.00} deposit required if a buyer clicked " Buy Now. '' The buyer made the purchase and sent the deposit via Paypal ( NOTE : the buyer left a note on his transaction to me stating that this is the initial deposit ) on XX/XX/2019. After several discussions and inspections regarding the vehicle, the buyer decided to move forward by asking to send another payment of {$5000.00} via Paypal to avoid bringing more than $ XXXX cash ( NOTE : the buyer left another note on his 2nd transaction to me on Paypal stating the terms and final calculations of his 1st & 2nd deposits leaving only $ XXXX to be paid in cash ) on XX/XX/2019 and flew in to pay the remainder in cash XXXX {$58000.00} XXXX on XX/XX/2019. Car was sold, title was transferred, and the car was taken the same day. XX/XX/XXXX the buyer makes his first bogus chargeback with XXXX XXXX of the 1st deposit XXXX {$1500.00} XXXX, and on XX/XX/XXXX his second chargeback with XXXX XXXX XXXX {$5000.00} XXXX stating that I apparently offered the buyer a {$6500.00} refund after the purchase. This is untrue and absurd. XXXX XXXX reports this information to Paypal and then Paypal withdraws {$6500.00} from my account. I immediately respond to Paypal 's dispute with the following : " The buyer is making a false and untruthful claim. There was no discussion regarding any refund on this deposit. The XXXX posting required a non-refundable deposit after the buyer 's offer was accepted. Most importantly, the buyer completely stated in his 2nd PayPal transaction ( Transaction ID : XXXX ) to me that the initial deposit was calculated in the overall total of the purchase price. I have attached a screen shot of the transaction below where the buyer fully calculates the {$1500.00} deposit into his calculations when making his 2nd deposit. In addition, I have attached a complete PDF of our conversation via text, and on page 19 ( XXXX XXXX, XXXX ) you'll also read the total amount of cash which was discussed to bring with him was {$58000.00} ( after both PayPal transactions ), which confirms his calculations in the Paypal ( Transaction ID : XXXX ) as well. Please let me know if you need additional details or have any questions. '' Paypal confirms that based on my documentation and the buyer 's notes, that this dispute is indeed bogus and should be resolved in my favor immediately. Given all the proof, documentation, and overall timeline this was without a doubt an act of fraud on the buyer 's motives while XXXX XXXX supported his actions and Paypal 's " investigation team '' is completely useless since they did not " fight for me '' whatsoever. A fight on behalf of Paypal 's investigation team would have ended in a victory given the buyer 's incompetence towards stating all the notes in his payment to me before claiming a dispute. Paypal did not fight on my behalf and I'm furious that I was cheated out of my own money. During the back and forth discussions between Paypal & XXXX XXXX, Paypal stated that " XXXX completely disregards my proof, the buyers notes, and the overall common sense in this transaction in order for the dispute to end in the buyer 's favor ''. I was robbed of {$6500.00}, and expected Paypal & XXXX XXXX to resolve this matter in the most ethical, legal, and unbiased way possible. This was not the case. Paypal 's response to all this was " You win some, you lose some ... '' and XXXX did not hesitate to defend their customer regardless of whether they were in the wrong or right. A customer who is willing to cheat others and perform malicious premeditated acts of fraud, should surely utilize Paypal and XXXX to get away with it. | ||||||
| 01/09/2023 | Yes |
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| Hello. First of all, to summarize the details, I sold the product ( XXXX XXXXXXXX XXXX ) through PayPal - partner XXXX ', but the buyer filed a PayPal claim for absurd reasons, so I submitted a clarification to PayPal XXXX Of course, PayPal raised the hand of the seller and the dispute ended. Then the buyer filed a claim with the credit card company again, and the card company 's reckless refusal to pay ( I didn't hear anything from the credit card company, so I don't know what the credit card company is, PayPal only knows ) was robbed of my sales and goods. I will explain in detail with the detailed date and amount below. On XX/XX/XXXX, at PayPal 's partner XXXX XXXX, I sold the product to the buyer XXXX XXXX XXXX, and received a net XXXX USD. On XX/XX/XXXX, I sent the product with a delivery fee of XXXX XXXX, and on XX/XX/XXXX, the delivery was completed and the buyer received the product. On XX/XX/XXXX, the buyer filed a claim with PayPal, saying he was not sure if the product was authentic, and the reason for this is ridiculous that there is a glue mark on the front toe of the shoe insoles and the front of the left foot insoles is XXXX4mm shorter than the right toe insole. Of course, it is not a part that can be seen by the naked eye or worn, and the buyer puts the cell phone inside the shoe and takes a video to show a picture of that part. For this reason, filing a Significantly Not As Described ( SNAD ) claim would be tantamount to filing a claim that the weight on both sides of the shoe is XXXX different, or that the number of left and right arms sewing stitch on the garment is different. I proved that the product was authentic by attaching the purchase details and receipt from a reliable shop to PayPal, and I also attached photos of the date and the buyer 's ID while packing and inspecting the product, proving that the product sold is a new product without any problems. PayPal accepted the evidence, but the buyer insisted on a refund, so PayPal will pay for the shipping fee so that there is no damage to the seller, so the seller will make a concession and ask for a refund after returning the product. Eventually, I accepted the return of the product and submitted the return address on XX/XX/XXXX, but the buyer did not enter the return tracking or take any action until XX/XX/XXXX, which resulted in the seller winning the claim. After that, when it didn't go as planned, the buyer filed a PayPal claim again ( the original terminated claim can not be filed again, but it was assumed that he called PayPal to force it ), but it was naturally ended again with the seller 's victory. Then, the buyer filed a dispute with the credit card company on XX/XX/XXXX, and I received no contact from the credit card company and only received a notification that decided to refuse payment on XX/XX/XXXX, acknowledging the buyer 's claim. PayPal recommends asking the National Police Agency because the credit card company is a high-ranking institution, so it is impossible to intervene ( PayPal says it is difficult to tell the seller what the credit card company is because it is buyers personal information ). it seems clear that there is a problem with the buyer, such as under screening to freeze the buyer 's PayPal account on PayPal or deleting negative feedback from grailed.com. Even when the buyer ignored PayPal 's request for return, the intention was clearly visible, but the credit card company 's reckless refusal to pay was damaged to seller. I'm requesting please CFPB checks the credit card company through PayPal, and return of my sales money. Thank you. Sincerely. Below is the information required for fact checking. Case ID : XXXX Invoice ID : XXXX Transaction ID : XXXX | ||||||
| 05/14/2016 | Yes |
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| This is in reference to an order I placed with XXXX XXXX and paid for using a money transfer through PayPal. The majority of items I received were damaged or the wrong size, and some items were not sent at all. I have been unable to resolve this matter through PayPal or with the seller directly. The seller has refused to communicate with me in any capacity, including ignoring my inquiries about how to return items or get an itemized billing invoice. I believe this seller has perpetuated systematic wrongdoing. After receiving the damaged goods and being unable to reach the seller, I researched the company online. I found an overwhelming number of consumers complaining about the company and allegations of fraud and misrepresentation. At the very least, this company has violated implied warranties that arise from usage of trade in this industry to provide undamaged items of fair average quality. By refusing to communicate with consumers and making it impossible to return items, this company has insulated itself from being held accountable. I ordered items totaling {$100.00} by clicking the link provided on XXXX. I did not receive an order confirmation or itemized order receipt after ordering. At this point, I became concerned, but thought I would receive an invoice/receipt with my physical ordered when I received it. Upon receipt, I immediately noticed that the majority of items were damaged and of extremely poor quality. For example, hair clips were broken and would not open, jewelry with beading or inserts were missing pieces, a shirt had a hole in the collar, stockings/pantyhose were not as depicted on the website, and XXXX shirt was the wrong size. Further, some jewelry and accessory items that I ordered were not included in the package. I received other packages over the next few weeks, but none completed my order and none had an invoice or receipt. After waiting a few additional days to see if the remainder of my items would arrive, I tried to contact the seller through the XXXX website help function ; however, the chat/help function was broken every time I attempted to use it, which occurred on multiple days during different times of day. On XXXX XXXX, 2015, I initiated a dispute with PayPal. The seller offered a refund of about {$24.00}, which I rejected and escalated the dispute to a claim on XXXX XXXX, 2015 with PayPal. PayPal rejected the claim on XXXX XXXX, stating that I did not provide documentation in a timely manner. However, during the time between claim escalation and closure, PayPal never requested any further documentation and the status on the website was that it was continuing to review the claim. Then the claim was abruptly closed. I followed up with PayPal to try to re-open the claim so I could provide photographs of the items, but their policy is to not re-open a claim after it has been closed. The seller then unilaterally issued me a refund of {$2.00}, which I tried to reject, but was unable to do so. Throughout I had tried to email the seller, and after the claim was closed I sent another email that included a letter from myself as an attorney, explaining applicable Virginia contracts and sales law and requesting a full refund and a pre-paid shipping label. I never received a response to these communications. There was no mailing address for the seller so I could not mail a physical copy of the letter, but did email it to both email addresses provided on PayPal for the seller. I would appreciate any assistance in this matter. I simply would like to return the damaged and non-conforming items to the seller for a full refund, including the seller paying for return shipping costs. Thank you very much for your time, and for providing this service to consumers. | ||||||
| 02/21/2016 | Yes |
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Web | Older American |
| My complaint is against the unethical ( and probably illegal ) business practices engaged in by Paypal as follows : On XXXX XXXX, 2016, Ebay suspended XXXX of my XXXX accounts for 30 days for allegedly selling fake cosmetics and representing them as authentic. I was told the Rightful Owner of the cosmetic line, XXXX, had reported me. One day after I reached out to XXXX asking them to cease and desist from discriminating against me, Paypal Permanently Limited All Access to my Account and are now holding almost {$500.00} of my money for 180 days. I tried to appeal their action and my appeal was denied. Clearly, XXXX and Paypal conspired to ostensibly put me out of business. I never represented the product I was selling was an authentic XXXX product as hundreds of other eBay sellers have. In fact, most recently I began to include the following language in my listings : " I am not affiliated with or endorsed by the company mentioned in this listing. All trademarks and copyrights are acknowledged, they are only used for informative description of the items offered for sale. '' I have ceased selling any products even remotely related to XXXX, and I will never sell such products again. I do n't understand why XXXX has singled me out and Paypal has agreed to work along with them ; I am a very small seller. I 've sold probably less than XXXX of these items. I am attaching a list of random eBay sellers showing the magnitude of fake XXXX products freely being sold on eBay without interference or restraint. I thought it was okay ; everyone else was doing it. I am retired, almost XXXX years old and just trying to make a few dollars to supplement my social security. There are hundreds of other volume sellers on eBay selling this very same product. Instead of going after them, they have decided, instead to go after me. I do n't know what they expect to get out of this. I have nothing. Their actions are now beginning to affect my health. What they are doing is unconscionable. Two weeks ago while I was gathering up my records for income tax purposes, I noticed Paypal had been commingling the funds from my two separate operations. When I called them on it, they refused to separate the account. Most of the funds currently on deposit in the first frozen account were generated from the non-violating business operation. On XXXX XXXX, 2016, I filed a complaint with both the California and the Nebraska Attorney General 's office against Paypal for illegally holding my money. In the meanwhile and on XXXX XXXX, 2016, I opened a new Paypal account for the second operation. Everything was fine until yesterday morning when I discovered that new account has also been Permanently Limited. There is almost {$90.00} in that XXXX new account. Their reason for permanently limiting my new account is that I sell XXXX products -- XXXX. I have been selling these products for almost a year now without a problem or interference from either eBay or Paypal. In reviewing both Paypal 's User Agreement and their Acceptable Use Policy I find that neither contains any language prohibiting the sale of vaping products. The Acceptable Use Agreement does contain language to the effect that approval must be given for the sale of XXXX. Paypal was fully aware of the products I was selling and willingly levied and collected fees on hundreds and hundreds of transactions generated solely from the sale of vaping products. Their action constitute an implied approval of my sales and negates their present reason for permanently limiting my XXXX account. Clearly, Paypal 's current actions are in direct retaliation to the Complaints I filed against them. They are unscrupulous and unethical, and they must be stopped! I want my money released immediately. | ||||||
| 03/19/2019 | Yes |
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Web | Older American |
| PayPal took {$76.00}, egregiously and unnecessarily, from my bank account on XX/XX/19 without notice or permission. They violated my trust, & fiduciary duty by acting to my detriment when all that was necessary to satisfy the requested refund to a Buyer {$1.00}. Using the balance in my PayPal account + {$1.00} the total amount of refund would be available to complete a refund. The amount of {$1.00} was debited from my PayPal account and they failed to refund this amount, which is not due to XXXX, because the transaction was canceled. PayPal failed and refused to use the monies residing in my account under their control to first pay the refund amount and then secure the {$1.00} from my bank account to create the total refund. This manipulation of {$1.00} knowingly and deliberately caused the balance in my PayPal Account to fall below the refunded amount to Buyer ( I am the seller ). Pay Pal relies on this short of {$1.00} to take all of the money {$76.00} from my bank instead of simply {$1.00}. PayPal refused to act in my best interest to secure the refund of {$1.00} which should automatically be reversed at time of cancellation of the sale. Instead XXXX and PayPal work together to create the circumstance to which PayPal claims they are entitled. This tactic is designed to the detriment of the Consumer. Keep in mind XXXX and PayPal are still sister companies. The actions of one can be construed as the actions of the other. They act in concert and to the benefit of one another. PayPal maintains a monopoly created and continued by XXXX which demands PayPal manage all funds from buyers and sellers. There is no other choice-all funds must get processed the through PayPal. This self serving egregious behavior is designed to disadvantage the Seller. After I ( Seller ) canceled a sale all attendant charged should be reversed without delay. They delay IS a deliberate egregious act on the part of XXXX. PayPal had no problem taking {$10.00} for postage which was never used and also canceled. To this day this amount has not been refunded by XXXX or PayPal. I requested PayPal file a dispute for {$10.00} ( postage ). They refused. I asked they contact XXXX with my concern much the same as a credit card company would be asked to file a disputed charge for merchandise not received. Again they refused. All acts complained of are in fact egregious acts designed to take advantage of the consumer which allowing PayPal to control XXXX of dollars at any given time. Money which belongs to others is used for their gain and to the detriment of the consumer they are supposed to serve. PayPal claims their " Terms and Conditions '' allows them to take the entire sum from a connected bank account if the PayPal balance falls below the amount of refund even by one XXXX. This allows then to use the same tactic if the amount were {$700.00}. or {$7000.00}. to which PayPal claims a right even though the entire issue can be remedied with a charge of {$1.00}. There is something very wrong here. How is this different than what banks would do by charging overdraft fees to client accounts based on their manipulation of charges, checks, and debits. Banks were were fined for their egregious acts. PayPal should be fined and penalized as well. Their acts are egregious by design and it is under their control that they take funds to which I claim they had no need or permission. In Summary : If PayPal took only the {$1.00} which they claim has not yet been refunded by XXXX ( their sister company ) they would have ample funds to refund the Buyer in full for the purchase I refunded to him. Please Note : On the date PayPal removed {$76.00} from my bank account the balance in my Pay Pal Account exceeded {$140.00}. | ||||||
| 05/25/2023 | Yes |
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Web | Older American |
| In early XXXX of XXXX I purchased a refurbished kitchen appliance from a website for the price of {$64.00}. The merchandise was never delivered to me, I do not have the name of the seller ; website and email address have completely vanished from the Internet after I threatened to file a Police report. I reported the charge as fraudulent to XXXX. I had XXXX options to pay for the merchandise, XXXX was XXXX that I have never heard of, the other one was PayPal. I do not have a PayPal account, but I was able to use PayPal as a guest, and my XXXX XXXX was charged on XX/XX/XXXX. For PayPal I have used my eMail address XXXX. as well as my phone number XXXX. XXXX cancelled the card ending in XXXX for safety reasons, reversed the charge on XX/XX/XXXX, and a new card ending in XXXX was issued. I had considered the case closed. XXXX determined that no fraud was committed, and the charge of {$64.00} was made permanent. I started making calls to Discover that same day, I had to tell the story to several different agents and still was told that this charge is not considered fraud, since I authorized a payment. That I had never received my merchandise did not seem to matter, but at least XXXX of the agents gave me a little bit more information and told me PayPal had provided them with a XXXX tracking number, which indicated that my merchandise was delivered on XX/XX/XXXX. The tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. I went to my local XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ), talked to clerk XXXX, he was able to confirm that this was not a package meant for me, but a XXXX. package ( postage {$4.00} ) which was delivered on XX/XX/XXXX, to XXXX XXXX XXXX in XXXX XXXX, OH ( I live on XXXX XXXX XXXX in XXXX XXXX, OH, but the XXXX cities share the same ZIP Code ). My merchandise would have been about XXXX. XXXX opinion was that the merchant had fished a tracking number, provided PayPal with it, they took it as valid and provided XXXX with the information that a package with that tracking number was delivered. With that information I contacted PayPal. Using the information from my XXXX statement PAYPAL XXXX XXXX CA. An agent was able to find the dispute with XXXX within a few seconds, that it was closed as not fraudulent since the merchant had provided a USPS tracking number as proof of shipping. We discussed the case in detail, and he agreed that it is considered fraud when a seller provides a false tracking number to make the buyer believe he has shipped merchandise, but he also admitted that it is nearly impossible to verify all information they get from merchants, there are simply too many claims like this. PayPal has the case reopened and escalated, and I was supposed to hear from them by XX/XX/XXXX, and that it is very likely that the charge would be reversed in my favor. That did not happen, and I called PayPal again on XX/XX/XXXX. The agent told me to get in touch with XXXX again and request a chargeback, and that PayPal would not be able to help me, but the agent provided me with their internal case number : XXXX XXXX their internal case number used between them and XXXX : XXXX. I filed a chargeback request with XXXX that same day, also filed a complaint with the CFPB ( case # XXXX ), XXXX denied my request as well as my CFPB complaint and closed the case again on XX/XX/XXXX, after telling me the day before on XX/XX/XXXX, that Discover needed more time to investigate. I am aware that XXXX might not be required to do a chargeback, but PayPal is, therefore I request a refund of my payment in the amount of {$64.00}. The last agent I talked to indicated that even she could not read the merchants name, as all she was seeing are XXXX symbols, but she would mark his account as suspicious. | ||||||
| 08/22/2023 | Yes |
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| I am apart of a group of women who collect XXXX cups from all over the world. We pooled our money to purchase cups from oversea sellers for preorders. On XX/XX/XXXX, I paid 50 % deposits ( {$1500.00} ) to XXXX XXXX XXXX via PayPal ( XXXX ) because this is a presale meaning that I must pay the items 6 months in advance before the item is release. She ensures me that all the cups that are preordered will be secured if we paid the total amounts that we placed the orders. She sent me the invoice for {$3000.00} but I paid {$1500.00} ( including {$4.00} PayPal fee ) so I only had to pay {$1500.00} by XX/XX/XXXX. Fast forward to XX/XX/XXXX, XXXX XXXX sent me the tracking for 51 cups, but only to find out that the tracking ( tracking XXXX XXXXXXXX via XXXX ) was never updated because every week I have been tracking the package since she gave me and as you can see that tracking is false. It keeps saying Shipment Information Received, meaning that the package never left XXXX nor XXXX house. She told me that Im going to get an email from XXXX about the package and I never gotten any of those in my email nor text messages. And because of this, I have asked XXXX to cancel the orders and refund me my money except she never responded, however I have been hearing from her sister-in-law and her closest contact, she said that she refused to send refunds to anyone who annoys her so like me. Im getting screwed by XXXX. Before going through my bank, I have called PayPal to help me filed a chargeback for this transaction and they said that because it is out of 180 days, they cant do anything and was told I must file it with my bank. Even before PayPal, I have tried reaching out personally to XXXX by calling and texting whether thats through XXXX XXXX or XXXX, and she stopped responding to my messages in XXXX. Yes, to banks, this amount ( {$1500.00} ) is a small amount but as for me and my clients, this is a huge amount, and it is our hard-earned money that we used to pay to secure the cups. Since I have had no communication since XXXX, my family and I hired a XXXX XXXX to go to her address that I have on file, and the XXXX XXXX told us that the house looks beaten down like no one has lived there for over a year. I am not the only person that XXXX XXXX is scamming. There are so many people that is willing to help me to get the written statements from them to help me with my case that I will be attaching here as part of my case for you guys to listen and for my voice to be heard. On top of that, I also found out that XXXX XXXX has run away to her parents house in XXXX, XXXX and stopped communications altogether. We also filed a police report and the police sent XXXX letter to respond, and she hasnt responded to that police letters. You can see that I have taken many steps before reaching to my bank to assist me, trying to refund the money ( {$1500.00} ) that XXXX refused to send a refund. I hope you guys understand and reconsider my case again, but this time favor my side especially when you see the documentations that Im attaching you and you guys will realize that I am not the only person that she personally scam. Theres a group of us. You can see here that she promised many of her clients that she was going to refund on XX/XX/XXXX which was very well within PayPal 180 days scope to get the money back, but never did and this was the last conversation that we ever heard from XXXX XXXX. Thats the only reason why I didnt file a claim because she made an agreement with me to post and when I followed up with her, she disappeared. Both PayPal and my bank XXXX XXXX XXXX XXXXXXXX ) refused to send me the refund even with the circumstantial evidence that i have and i've been a victim of a fraud/scam by this person | ||||||
| 05/17/2021 | Yes |
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| My issue is with PAYPAL and VENMO. I recently opened a business account with PAYPAL because I started a new business. I got the necessary tax ID and made it a legit company because I want to to it the right way. I used PAYPAL to accept payments and to purchase business related items. A couple times I had customers state they had not PAYPAL account and they would like to use VENMO. I allowed that and would then create an invoice and transfer those funds to PAYPAL and settle the invoice. The email came from PAYPAL and then VENMO stating I was no longer able to use either service. VENMO just said they reviewed my activity and decided to discontinue my use of their service ... PERMANANTLY. PAYPAL send a second email stating that they found I violated a user terms. Here is part of their message " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of ammunition, firearms, or firearm parts or accessories. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. '' Where it says " Specifically, the sale of ammunition, firearms, or firearm parts or accessories '' is where the issue lies. I sell one thing. There are several styles of that one thing and none of them are ammunition, firearms, or firearm parts or accessories. I sell knives. Hand made " EDC '' ( every day carry ) pocket knives and kitchen knives. Clearly NOT ammunition, firearms, firearm parts or accessories. There is a section that speaks to knives but it is a bit unclear and what I get from their policy is that they can not be illegal knives. Here is the only line I can find regarding selling knives " or ( k ) certain weapons or knives regulated under applicable law. '' When I contacted PAYPAL via chat, their BOT says there are no agents available. This is during their operating hours even. So they are avoiding my need to understand the problem. I called on the phone and got a nice lady who verified I was banned from PAYPAL. I tried to explain that the reason they gave for banning me was not accurate and my displeasure with being banned without being given a chance to explain or defend myself. She was not able to help me. She said " Maybe it was a combat knife? '' I explained that I don't sell " Combat knives ''. I sell legal pocket knives and kitchen knives. She continued to say she couldn't help me. I asked to speak with a supervisor and she put me on hold for 5 minutes, came back and explained she was transferring me to a supervisor but that I should be aware of what to expect when I talk to said supervisor. She said " I'll transfer you to the supervisor but just know the outcome will not change. '' WOW, so even though PAYPAL IS WRONG in this case, it doesn't matter, you can never use PAYPAL again. I ended up on hold for 20 more minutes and was disconnected and never got the chance to speak to that supervisor. Using PAYPAL is risky. They have my money and will not give it to me for 180 days. I even had transferred money from my bank account a couple days before this happened and boy they let it go through ... but no, I can't have it back. Sounds shady and scummy as a business to handle issues like this. Even if they let me back ( Which they won't ) I will never use paypal again. Not to purchase anything or accept payment from anyone. Too risky. SAME WITH VENMO. They won't even tell me what they think I did wrong to violate their terms. I tried several times on email to get an explanation and they only said they determined my activities were in violation. What a scam. I've attached my website " About '' statement so you can see I don't sell weapons. I sell tools. | ||||||
| 05/09/2023 | Yes |
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| To whom it may concern. My full name matching my passport and ID is XXXX XXXX. I live in XXXX, XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at XXXX On XX/XX/2023 I was permanently limited from PayPal, for absolutely no reason. The day before that, I was asked to verify my bank statement and passport or ID, which I successfully did. A few hours after, my account got permanently limited with the message below : " You can no longer use PayPal ( Ref ID - XXXX ) " They stated that I got permanently limited due to a User Agreement violation, however they were never able to state which specific violation was breached, no matter how many times I asked them. The first agent that I contacted, told me that the reason I was permanently limited was due to my passport being expired. I was surprised, and I apologized for this inconvenience. I kindly offered to provide any other documents that are up to date such as my XXXX passport or ID. I provided my ID and my latest bank statement of my linked bank account, which shows proof of my address. They stated that they forwarded my request to the relevant department, and that it would take up to 72 hours for them to examine it. Weirdly enough, not even 10 minutes after, they rejected my appeal. Even though, I did nothing other than follow their instructions and made sure that every single document is up to date. They stated that my complaint was forwarded to the relevant office. I kindly asked them for the reference number or ID of my forwarded complaint, they have failed to provide this, even though I made it clear to them and requested for the reference number for over five times, with no response from them. My available balance is XXXX EUR, and this whole balance is solely a payment from my cousin. It is unacceptable for them to state that I will have to wait for 180 days to accept a single payment from my cousin, not only that but they do not even state the reason! I believe that I should be eligible of withdrawing my balance, as they have no stated reason behind this limitation. I want to clarify that this is the first time that I verify my information to this app. I am not even registered for more than 5 months and this is the kind of treatment that I get from them. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will review that I am not a seller and I am solely using my personal account to accept payments from friends and family. I never had any chargebacks. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power. Simply because we agreed to their ToS and policies when signing up, it does not give them the right to enforce whatever the term they want with no explanation, with no DUE process and without proving the user guilty. They never allowed me to explain whether my activity is in violation of their user agreement. They are taking advantage of a consumer by including in an agreement terms or conditions that are harsh, oppressive and excessively one-sided so as to be unconscionable. Thank you for your time in looking into this matter. | ||||||
| 08/11/2017 | Yes |
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Web | Servicemember |
| A {$10000.00} payment was processed and paypal refuses to release the funds, despite customer and bank verification. OnXX/XX/XXXX I processed a payment in the amount of {$10000.00} via PayPal Here. This payment was processed manually as 1- our customer did not feel secure utilizing her credit card online for this sum and 2- she has relocated out of state, but we know her from other home remodels. This job was completed an entire month prior to payment reception. I contacted Paypal that evening to confirm why we had to manually input the payment and provided information for verification with the customer. At that time I was informed that there would be no issue and the payment should process in 24 hours. On Monday, XX/XX/XXXX the payment still had not been deposited in to my PayPal account. Thinking there were issues with verification, the customer called to confirm authorization of payment. She was informed that there was no issue and I would need to call for release. I called Paypal promptly and was informed else wise. I was transferred multiple times and in the end spoke to a supervisor who informed me that, per Corporate PayPal these funds could not be released. It was corporate policy. I asked to speak with someone at corporate level and was informed that I was not permitted to do so. I requested that someone email me and was also refused. From XX/XX/XXXX throughXX/XX/XXXX, I made numerous attempts to contact corporate via phone and have had zero results. I have left numerous voice mails yet no one has bothered to return my phone calls. OnXX/XX/XXXX, I sent two separate emails to everybody on corporate level that I could find. The first email received no response. The second email, I received one generic response saying the issue has been resolved. This issue has NOT been resolved. I am a small business owner. I utilized PayPal thinking that they were the best route to offer safety and exceptional service to my clients. I was obviously mistaken. I sent additional emails onXX/XX/XXXX and XXXX ; I have yet to receive a response. As I have repeated in numerous phone calls, and via email, this ladies payment was over a month late. This money needs to pay subcontractors. Paypals failure to release funds, that were verified on multiple occasions, has resulted in a lien being placed on my customers home and has left our business in a poor status with said companies. Failure to release funds has restricted our companies abilities to proceed on to other jobs, which has negatively impacted our personal life as not completing jobs means not being able to support our household. To think- our small business is struggling ... suffering while this large conglomerate makes how much interest on OUR money sitting in their bank of this 30 day " required '' hold. ( This is contrary to their initial statements the first two times they were contacted via the customer service line. ) I have been a paypal account holder for many years. I have never had any issues with complaints or disputes. I understand protecting the consumer, but our customer has called multiple times to verify. Her bank, XXXX, has attempted to verify. Holding this money is NOT an asset- it is a hindrance and has impacted numerous people negatively. Paypal customer service, who initially could n't even confirm whether or not I could receive MY money, has notated numerous times that corporate can reverse this hold ... yet corporate refuses to speak with me. How am I supposed to get this rectified if the business can not even find the time to contact me?? {$10000.00} may not be much to the shareholders and corporate staff at Paypal, but it sure is to this small business owner!! Just like that interest they are making off of MY money. | ||||||
| 10/07/2022 | Yes |
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Web | |
| ( XXXX ) ( XXXX ) ( XXXX ) NO RECEIPT : PayPal, refund {$100.00} for merch never delivered. On Tue, XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( 1. ) Hi, there. ( 2. ) Here it goes again : Instead of the preceding silliness ( bogus tracking number, fake delivery confirmation, fictitious whatever ) from XXXX { clean-sell.com } { et al. } for {$60.00} back on XXXX, the latest clown-coordination is detailed below ( history, attempted contacts, PayPals various transaction numbers, etc. ) in the receipt pasted inside the e-mail to XXXX XXXX. ( XXXX. ) XXXX, order # XXXX XXXX, www.noveltyheart.tech ( XXXX. ) XXXX, no response from seller/merchant e-mail mail-tos { XXXX, XXXX, XXXX } ( XXXX. ) XXXX, no answer for fax-n-voice line XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX, no answer for fax-n-voice line XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX, no response from seller/merchant e-mail mail-tos { XXXX, XXXX } ( XXXX. ) XXXX, XXXX XXXX XXXX, XXXX ) ( XXXX. ) XXXX, no response from seller/merchant e-mail mail-tos { XXXX, XXXX } ( 3. ) Do a deep-dive investigation so that I-and otherscan learn which thugs are cloaking, engineering, orchestrating all of this. { Unfortunately, law enforcement isnt a pillar of ethics, so look there for user rights and various other accesses. } ( 4. ) Not a PayPal.com account holder, and will not open one. { too many negative encounters } ( 5. ) Hate that I dont have an IT background, but would be awesome to have detailed the hows, whats, and whens that these thugs are using to cipher, divert, conceal, arrange, re-direct, and the rest. ( 6. ) Would like the {$100.00} refunded. ( 6a. ) { unresponsive to communications } ( 6b. ) { seller/merchant shown ample patience and given generous forbearance } ( 6c. ) { no merch } ( 6d. ) { no GENUINE tracking number } ( 6e. ) { suspect ( -ed ) fraud : likely more illegal interference, manipulation and illegal activity from the perpetually stupid, concretely corrupt set of hiding thugs } ( 7. ) Thanks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Tue, XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX : ( XXXX. ) Hi, there. ( XXXX. ) Made a purchase for {$100.00} on XXXX, not on XXXX as claimed seller/merchant via some kind of PayPal cover. ( 3. ) All communications to seller/merchant relating to ORDER # XXXX XXXX have been ignored : ( XXXX. ) XXXX { returned not delivered } ( XXXX. ) XXXX { returned not delivered } ( XXXX. ) XXXX { no response } ( XXXX. ) XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX { combo voice-n-fax # } ( XXXX. ) names for seller/merchant : XXXX, XXXX XXXX XXXX ( XXXX. ) No products have been received. ( XXXX. ) No tracking number has been provided. ( XXXX. ) Though no yield of either the products paid for or a refund, reported information to PayPal { XXXX, XXXX } on XXXX. ( XXXX. ) Want the {$100.00} refunded. ( 8. ) Thanks. Your PayPal receipt Inbox XXXX Fri, XX/XX/XXXX, XXXX XXXX to me Hello, XXXX XXXX PayPal You paid {$100.00} USD to XXXX XXXX Create an account with PayPal and activate Return Shipping on Us. Limitations apply. Activate PayPal Now Your purchase details Your Transaction ID : XXXX Merchant Transaction ID : XXXX Purchase Date : XX/XX/2022 Payment to : XXXX XXXX XXXX Payment from : XXXX XXXX Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Subtotal {$100.00} USD Total {$100.00} USD You paid using : XXXX XXXX This credit card transaction will appear as | ||||||
| 11/15/2021 | Yes |
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Web | Older American |
| I made a purchase using PayPal service in two transaction. On XX/XX/XXXX in the amount of {$2000.00} and on XX/XX/XXXX in the amount of {$600.00}. I bought a White Pomerianian Puppy. And the seller said that they will send the puppy the purchase until XX/XX/XXXX, and nothing. So I asked for a refund, and he said that will send my refund through PayPal, but nothing. Later on he said that wasnt going to send my refund anymore, I told him to send my little baby puppy instead. But after that we blocked me, he dont answers me anymore!! So I asked the PayPal for a refund, I opened the dispute. Because the seller stole it from me. He didn't send the product and blocked me on all social networks, and he doesn't respond to me anymore. I asked for a refund of the two transactions totaling of {$2600.00}. The first transaction amount is XXXX PHP and the second one is XXXX PHP. And after the case was closed in my favor, I waited for the deadline to be able to drop into my account, but I only received {$590.00} and {$600.00} totaling {$1100.00}. So I desperately contacted PayPal on the XXXX of XXXX, and I spoke to an agent and I explained my situation again to them ( a contacted them a XXXX times ), and asked her to help me because I'm desperate I really need my money back, I bought it through PayPal because my friend because they are suppose to protect the buyer purchase, they promise customer protection and they say that is safe. But its not. But one of the agent told me that when I asked for a refund of the two amounts, I only asked for a partial refund instead of asking for a full refund, but the problem is that I ( never asked ) for a partial refund, they don't even give this option on the website or in the app. Then on XX/XX/XXXX she said that she would help me and open the dispute of the case again, and that she would put a note that I wanted to dispute the total amount that was missing. On XX/XX/XXXX I opened the app and saw that the case was closed in my favor and I also received an email. But I have not received any further information about my case. They sent me an email saying that Im supposed to receive a refund of {$190000.00}, when all I wanted was my {$1400.00} that was missing, they told me that the refund will be in my account within 30 days. And I wanted all their deadlines, times and everything. But nothing happened in 30 days, and in between the 30 days deadlines I contacted they again, to be sure!! And all those agents told me the same thing. Ill receive the refund you just need to wait. After all this process, I contacted them again and they told me to talk to the bank, but the bank 's deadline for them to return my money had already passed PayPal made me lose 60 days, which would be the deadline my bank would have to get it their money and give it back to me '', and they lied to me again, and all of a sudden they told me that they would no longer send my refund, that I would have to solve it with the seller or my bank, but the seller stole, and PayPal made me miss the bank deadline. I have all the message proofs of my conversations with PayPal, and of them saying that I would get my money, that I didn't need to worry, that everything was fine and that I would get a refund! Please I really need your help, because this money is sorely lacking in my life, I worked hard to get this money, and I can't lose my money like this, because of the lies of this company called PayPal. I've been fighting since XX/XX/2021 with them, so they can give back my {$1400.00}, I got XXXX because of it, I got sick, I got sick because of it. For me this is bullying, because they lied to me several times, and played with my feelings. I really need your help. Thank you very much in advance | ||||||
| 08/21/2021 | Yes |
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Web | Older American |
| I have a XXXX XXXX XXXX and contracted with a client for services for their daughter 's bat mitzvah that was to take place on XX/XX/2020. The client was sending emails around saying that the party would go forward as late as the night of XX/XX/XXXX. On the morning of XX/XX/XXXX, I received information from the venue that this client had cancelled their event with them. When I contacted them to confirm, the client was excessively rude, threatened me and then hung up on me. We had purchased all of the food, ordered the rentals, had the party fully staffed and prepped much of the food, as well, requiring staffing the kitchen in the days leading up to do so. The contract reads clearly what the cancellation penalties are and, in spite of the fact that we had no obligation, we were prepared to work with them on a future date, crediting whatever was possible. The client had paid a large portion of the party through PayPal using the client 's business, which happens to be a credit card company, to do so. They asked for a full refund, declining our offer to work with them on an alternate date. I responded by restating the terms of the contract, which states that a cancellation at that late date did not warrant a refund. In fact, they still had a balance due, which I did not pursue. The next thing that I heard anything about this was when I received a dunning letter last month stating that I owed PayPal {$6500.00}. Apparently, the client applied for a charge back from PayPal more than a year after the payment was made as an end run around his contractual responsibilities. PayPal claims to have sent one email, which I did not receive or I would have responded immediately with my documents to refute this claim. I have received a ton of spam related to PayPal and have forwarded much of it to them, never hearing a reply back. As I do not use PayPal very often, I do not check my PayPal message box on their site and had no other way to know what was transpiring. He used PayPal so that he could pay by credit card. I do not accept credit cards and the client was upset from the start about that. In retrospect, I have to wonder if he uses credit cards as insurance in case he doesn't like the outcome of something. It is much easier to get a refund from a credit card than it is if using cash or a check. When I tried to reach out to PayPal to settle this, their response was basically, too late. They allowed a charge back well past their printed time to acquire one, so I do not know why they can not revisit this issue. At the very least, they should be required to confirm that contact has been made before they can proceed with such a claim. They seem to want to bear no responsibility and the end result is that they are allowing this client to break our contract with no consequence. PayPal is now a vehicle to circumvent a contractual agreement, something I believe that only a court has the right to do. As I was given no way to escalate my complaint, independently I found the email address for the CFO of PayPal on XXXX and sent a couple of messages directly to him, but got no response. I am very frustrated and upset that they seem to not care and not be held to the same standards as other financial institutions. There are no consequences for PayPal or the client when they don't follow the rules. I do not know if my client 's status of being in the credit card business had any affect on the way things were handled, but I am quite sure that they utilize PayPal more often than I do, making them a more attractive client than I am and returning the charge did not impact PayPal at all. I am a struggling small business owner and this is a burden, more dramatically while being a XXXX during these times. | ||||||
| 02/04/2021 | Yes |
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Web | |
| On XX/XX/XXXX I contacted PayPal to inform them of a large direct deposit I was getting from the proceds of a XXXX loan of XXXX dollars and to check to see if there would be any problems with my PayPal account. I was told no problem and everything was fine to have it sent. On the XXXX. The deposit arrived and I had made a few attempts to transfer to my linked bank account and debit cards. It triggered their system to lock my account and required me to upload my identity documents and explain the resent failed transfers. Got my account unlocked, after numourous calls to customer service where conversations were more heated as fustrations grew. As my account was unlocked I needed to get cash from my account to pay employees as these funds were ment for that purpose. I used XXXX through XXXX to get the money. After a day or so my account was locked again and had to now verify my already linked debit cards as well as my already bank account again. And was told that the verification process would take 24 -72 hours and I would have to wait. On XXXX XXXX my account now was limited 2times and only had access to my money ( XXXX XXXX ) a total of two days were every attempt to transfer out to my personal bank account after PayPal 's review was denied. On XXXX XXXX my account was restored after numourous calls again where conversations again got heated. On XXXX XXXX I get an email saying my account is permently locked and my funds will be held for 180days. I called to try to resolve with PayPal and they will not even answer any questions I have or give me any explanation as to why my account is locked other then " high risk ''. I don't use PayPal to process any payments for my business I don't sell anything where I use PayPal, there will be no chargebacks, returns or disputes on my account. Other then the one that has appeared on the only charge that they could PayPal for XXXX food delivery service. I called to inform them that the dispute open case wasn't stared by myself and to have it removed. The XXXX account is linked to my PayPal through PayPal and was linked by myself over the phone with customer service. I think as it was the only internet charge I had made it was a way to open a dispute on my account in order to withholding money for the 180 days. XXXX was linked through my PayPal account. I've reached out to the CEO to have my case heard no response. I offered for PayPal to look over my account and add up all the questionable charges and withhold that amount for the 180 days. And release the rest asap. PayPal has I believe found a way to harass myself by these in justified limitations on my account as a way to hold my money as an interest free loan to themselfs. I feel because our conversations got heated out of fustrations PayPal was out to punish me and my business for being very direct and blunt with them. I have followed every request provided every document up until the 3rd when my account was permently limited. They were waiting until they had no other option because everything I did was following their policies and advice from customer service. Every attempt I made to transfer out to my verified bank account was stopped by paypals system. Customer service didn't know why it wouldn't go through as well and said that their system won't even allow them to do it. What PayPal is doing is not only unfair but unreasonable. They have not only been unhelpful but very misleading in actions that I would need to proform. The customer service representatives were the ones while on the phone with them instructed me to try the transfers that were getting failed. After the first transfer that I did on my on the rest were attempted through customer service. PayPal account. ( XXXX ) | ||||||
| 12/26/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, purchased via Paypal XXXX XXXX. On XXXX, vendor sent email refunded the money. Paypal refused to refund the money and locked the account so I longer can file a disputes. Paypal never contacted me - when calling them the wait time was 1 hour left a phone number to call back. They never did. Sent email to CEO, he laughes and deletes the email and blocks receiving emails. Paypal policy Does PayPal cover my purchase if there's a problem? When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund. To qualify for PayPal Purchase Protection : Use PayPal to complete your payment. Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute. Keep your PayPal account in good standing. Whats covered with PayPal Purchase Protection You bought a book, but received a DVD You bought an item described as new, but received something that was used You purchased 3 items, but only received 2 The item was damaged during shipping The item is missing major parts ( that the seller didnt report ) You purchased an item described as authentic, but received a knockoff instead Whats not covered with PayPal Purchase Protection Real estate Motorized vehicles Custom-made goods that are significantly not as described Industrial machinery Prepaid cards Items that violate our policies Anything bought in person ( not over the internet ) Send Money transactions to friends or family Disputes filed more than 180 days after the purchase for item not received and significantly not as described claims Unauthorized transaction claims reported more than 60 days after the transaction date of the transaction Items that were described accurately by the seller Account Protection If you report an unauthorized transaction problem within 60 days from the transaction date, well investigate right away. You arent liable for unauthorized purchases made from your account. Responsive Support We're here to help. Tell us if you suspect strange activity, identity theft, or phishing and well be on the case. Help us by forwarding any suspicious emails to XXXX so we can investigate. You're Protected If : 1. You were charged for something you didn't purchase. This may mean someone has used your PayPal account without your knowledge or approval. Report it within 60 days and PayPal will investigate. You will be covered by our {$0.00} Liability for Eligible Unauthorized Transactions program. 2. Your order never arrives. All you have to do is log in to your account and open a dispute to get the refund process started. If you made the purchase on XXXX, start here instead. 3. Your order arrives, but it's significantly different than it was described. There are a variety of scenarios that meet this condition, for instance : You received a completely different item. Example : You purchased a book, but received a DVD. The item is missing parts or features, and this was not disclosed. Example : The listing said batteries included, but they weren't. You purchased a specific quantity of an item, but received the wrong amount. Example : You purchased five pairs of fuzzy dice and only received four. The item was damaged en route to its destination. Example : You bought a beautiful antique lamp, and it arrived in pieces. You received a counterfeit version of the item. Example : You purchased a XXXX, but received a XXXX. | ||||||
| 06/22/2016 | Yes |
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Web | |
| My family and I relocated due to my XXXX being more affordable. During the move, the truck was involved in an XXXX, destroying everything. On XXXX/XXXX/2016, I came across a website that had children 's bedding and decor for moderately low prices. I decided to give them a try because my daughter 's new bedroom set was being delivered and she had no bedding to go with it. Nervous since I 've never heard of the company and their was some poor reviews, I place an internet order at XXXX ( XXXX ) for the amount to {$140.00}, order number # XXXX, using PayPal as method of payment- transaction ID # XXXX. The order was shipped on XXXX/XXXX/2016 using XXXX XXXX, tracking number XXXX. Upon checking the tracking number, I discovered the package was to be delivered on XXXX XXXX, 2016. On XX/XX/2016, I was home awaiting the delivery. At XXXX, I became concerned and contacted XXXX to ask the status of delivery. They claimed it was marked as delivered and left on my patio. I looked all over my patio and no packages was there so XXXX ran a trace ( case # XXXX ) and contacted the driver. The driver responded that he left the package at XXXX instead on my XXXX by mistake. He tried to reclaim the package and was unsuccessful. Both my husband and I tried unsuccessfully as well. I filed a police report ( report # XXXX ) with the XXXX Police Department and XXXX told me to contact XXXX so they can file a claim for reimbursement. Since I did not see the residents at XXXX take the package, the police could not do much. XXXX XXXX filed a XXXX claim on XXXX/XXXX/2016, claim # XXXX. XXXX issued them a check in full on XXXX/XXXX/2016. XXXX XXXX is refusing to issue me a refund although I never received my items ordered. I contacted PayPal on XXXX/XXXX/2016 to make them aware of all the details of the dispute that was escalated on XXXX/XXXX/2016 for resolution as I had not heard anything and the seller. XXXX XXXX was avoiding me after blatantly telling that I would not be receiving a refund from them until they receive a refund from XXXX which they received on XXXX/XXXX/2016 shown from there records of their XXXX claim which is easily accessible by calling XXXX and giving them the claim number. PayPal called XXXX with me on the line and confirmed with XXXX that the package was lost, XXXX XXXX DID have a lost package claim with them and that they were issued a reimbursement check on XXXX/XXXX/2016. That PayPal representative spoke with her supervisor and decided to give XXXX XXXX 3 days to respond to XXXX claims of them losing the package and reimbursing them in full of the money lost due to them losing the package. On the evening of XXXX/XXXX/2016, PayPal closed my dispute in the sellers favor, inadvertently calling me a liar because the tracking number for the package, that XXXX admitted over the phone to PayPal as being lost and reimbursed, shows delivered. Please help me to understand how you 've reached your decision. It is a known and document fact that I did not receive the package. XXXX XXXX filed an insurance claim ( # XXXX ) with XXXX for reimbursement for the lost package. XXXX XXXX received reimbursement on XXXX/XXXX/2016. PayPal called XXXX and confirmed that XXXX XXXX has a claim for the lost package and confirmed that the package was NEVER delivered to the right address. Additionally, PayPal confirmed with XXXX that the company was refunded in full for the claim on XXXX/XXXX/2016. On XXXX/XXXX/2016, PayPal sent me an email calling me a lair because the seller has a tracking number and not only do they get paid from XXXX for the package I NEVER received but, you also issue the seller my money for the package I NEVER received as well so their paid twice and I do n't receive anything? | ||||||
| 01/04/2022 | Yes |
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Web | |
| XX/XX/XXXX I listed a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for sale for {$1100.00} on XXXX XXXX XX/XX/XXXX a XXXX member initiated conversation to purchase said graphics card. Log available upon request. XX/XX/XXXX the buyer initiated a transaction and sent me the full payment with instructions to meet at the local Police Department ( XXXX PD ). XX/XX/XXXX payment was received fully and was in my account. I transferred the funds to my bank account before leaving to the agreed meeting place. XX/XX/XXXX the buyer met me at the assigned internet sales parking lot where the driver and I are visible in a video recording exchanging the item. XX/XX/XXXX After returning home I noticed that I had a negative paypal balance. XX/XX/XXXX I contacted the buyer to see what is going on. He picked up the phone as well as answered my messages at this point and stated that he is sorting things out with Paypal and not to worry. After some time I felt that this was going to be a scam. XX/XX/XXXX I contacted Paypal as well as the XXXX PD to inform them about this scam and reported it via the XXXX PD and obtained a case number and report. XX/XX/XXXX Paypal stated that they have a claim open against me ( XXXX XXXX that it was a fraudulent transfer and they have to investigate. I provided all the evidence that I have gathered. XX/XX/XXXX Paypal ruled in my favor ( XXXX XXXX and I was glad and let the responsible police officer know that the case was resolved in my favor. XX/XX/XXXX I checked my account due to an email received that my balance again was in negative standing. XX/XX/XXXX I contacted Paypal and they stated that they have opened another case ( XXXX ) as per the financial institutions request. Paypal told me not to worry, that they have already ruled in my favor and have all the evidence they need. This is a formality and it is protected as well with Seller Protection even though the person used Friends and Family feature for the Paypal payment. I asked them if the Paypal agent was sure and sure enough I see the same in the Resolution Center in Paypal ( screenshot present and available upon request ). XX/XX/XXXX, XXXX XXXX I contacted Paypal to see about the status. They finally informed me that this could take months, but again to not worry and not to use my paypal account since the negative balance will take any money that is coming in. I thanked them and waited patiently. XX/XX/XXXX I contacted Paypal about a status update and the Paypal agent still stated it was under investigation and they could not do anything to speed this along. XX/XX/XXXX I contacted Paypal again to see the status and yet again was told that it will take time. I thanked and hung up. XX/XX/XXXX I received an email stating that the Financial Institution ruled for the buyer that they do not have to pay. Paypal adhered to this and left me with a negative balance. XX/XX/XXXX I contacted Paypal, the Paypal agent told me that there is nothing they can do. I asked for a supervisor which I received after 30 min wait who told me he will look into this and call me back. The Supervisor never called back. XX/XX/XXXX I Contacted Paypal again ( several times, I kept being hung up on ), and did get a supervisor to answer. Also here I was told that they will have to look into this matter and will call me back. No call back so far. XX/XX/XXXX I contacted Paypal again and spoke to a Supervisor after holding me 2.5 hours ( I understand its XX/XX/XXXX... ) the supervisor told me to go to small claims court. XX/XX/XXXX After some research I found a website were people like me help each other and what the next steps are CFPB then XXXX then small claims. Here we are now. | ||||||
| 01/05/2016 | Yes |
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Web | Servicemember |
| Hello, My name is XXXX XXXX. I am the owner of XXXX. I recently started this company selling goods on XXXX. I use PayPal to pay for my transactions with suppliers XXXX. I do this primarily because of the protection that PayPal provides to the buyer against fraud. I recently had my first experience where I needed this service and it seems that this service is actually Seller protection and not Buyer protection. Here is my story : I was running very low on a product that I sell ; my normal supplier went out of business so I needed another supplier quickly. There were no suppliers of this item on the website " XXXX '' so I submitted a quote through a different website " XXXX ''. I received about XXXX or more quotes from various suppliers for the selfie stick that I currently sell. The selfie stick is Bluetooth and has LED lights on the clip that holds the cell phone. I eventually chose - XXXX XXXX with " XXXX XXXX XXXX, XXXX ''. After many email communications to the Seller ( XXXX XXXX ) we established a price along with other details. On XXXX/XXXX/XXXX I was provided a quote ( PI ) for the product along with photos of the product. XXXX pcs for {$1200.00} plus shipping {$690.00} for a total of XXXX It was exactly what I needed. That same day ( XXXX XXXX, XXXX ) I paid for the product and the shipping via PayPal. On XXXX/XXXX/XXXX the product arrives, but when I checked the product, I discovered that it was not the product that I ordered nor the product pictured on the Sellers Purchase Order ( PI ). It was in fact a cheaper version without LED lights. I contacted the supplier and told him what happened. He ( XXXX XXXX ) apologized a lot for the mistake. His resolution was for me to purchase the correct clip with the LED lights from them and they would pay to ship them to me. Then I could open each of the XXXX boxes and replace the incorrect part with the correct part. So his fix was I buy XXXX correct clips at XXXX each ( {$1200.00} ) then I spend hours opening all of these and exchanging parts. The solution I offered him was for me to return the product at his expense. He gets the shipping a lot cheaper than I do. And I paid for the shipping to me. My XXXX product has now been out of stock and it has cost me about {$10000.00}. I do n't think I should have to pay again due to this seller 's deception. ( I honestly do n't think it was a mistake. ) I disputed this with PayPal on XXXX/XXXX/XXXX. I then escalated it to a claim on XXXX/XXXX/XXXX because the seller does not want to do the right thing and pay to have his product returned to him. On XXXX/XXXX/XXXX I received PayPal 's resolution to the claim. The resolution was for me to return the product to the Seller at my expense and they would refund the {$1900.00} to me once the seller has his product returned in the same condition it was sent. For me this is absolutely ridiculous. It will cost me more than I paid for the product just to return it. I do n't get the discounts that they have. So not only have I lost the current {$10000.00} in sales due to being out of stock. The sales momentum is now lost so the product is pretty much dead unless I re-due all of my marketing and promoting the product. I also lost the {$1900.00} that I spent to restock my product. This seller is loosing absolutely nothing. Even if the seller pays to have the product returned, they are only out the shipping cost. While I have lost HUGE, I could not even get a response from PayPal. They never asked to see the PI the Seller sent me ... nothing. I have proof of my loses. I have the ( SCAM ) PI provided by this seller. I have emails where the seller admits they made a mistake. The only thing I do n't have is BUYER protection. | ||||||
| 10/17/2016 | Yes |
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| I tried to buy gift cards on XXXX. I was buying {$570.00} in value for {$500.00} from PayPal Digital Gifts on XXXX. I applied {$320.00} in XXXX bucks which brought my total down to {$170.00}. Then I clicked on pay with PayPal button. A screen popped up asking me to log into my PayPal account. When I logged in, PayPal flagged my account and would not let me complete the transaction stating that I had to choose another message. PayPal is the problem here. In addition to not being able to use make the purchase, they have also flagged my XXXX bucks, making it so that I can not use them. The XXXX bucks are time sensitive and expire XXXX XXXX. I do NOT want to buy anything else but gift cards with my XXXX bucks. When I appealed to the highest manager that I could at Paypal, XXXX # XXXX, he was not responsive to the situation and said he could n't do anything about, refused to help and said I could write to the office of the VP. WRITE. Not talk, but write to them. This is a time sensitive issue and the value of the XXXX bucks will expire on XXXX XXXX if I can not use them in addition to the time sensitive nature of the sale and product availability. Additionally, since their risk system " flagged '' my account, for no reason, I can not use my account and I have no way of making gift card purchases. There is no way to appeal or get the " flag '' overridden or lifted. I get empty risk control phrases as actual answers such as : You have to wait and let the system cool down. Or, Try using a different device : mobile phone, tablet or computer ( this will also create an issue in the risk system when it sees multiple attempts at using a different device and lock you out ). That all makes ZERO sense. They are basically preventing me from making a purchase, that is on sale, for a limited amount of time, so I lost out on the discounted price, furthermore, they have flagged my XXXX bucks therefore stranding them and I can NEVER USE THEM which means I lose out on {$320.00}. PayPal is destroying sales for XXXX by rejecting them. The only way to buy a gift card is through PayPal. PayPal locks me out of making a purchase and provides the explanation that the account is overheated and needs to cool down. Meanwhile, no valid explanation is given, nor can be overrode, on a timely basis. PayPal suffers no loss, meanwhile I lose out on a sale price, or even the item permanently. I have spoken with XXXX about this and have complained that my ability to make purchases is becoming impossible due to PayPal. PayPal is not a " pal ''. They are XXXX, or XXXX. The inability to make a valid purchase is costing me money. XXXX realizes that this is an issue and I know of several and can enlist a vendor that can provide several hundred others that are in the same situation as myself. We all buy gift cards -- or at least attempt to buy them. XXXX is NOT happy about this and PayPal just is n't responsive. They offer no compensation. They have nobody with actual authority to make system overrides or manual transactions happen. They just say, Too bad. You are out of luck. This is discriminatory at worst and incompetent at best. The resolution that I want is to be able to make the purchase of those Lowe 's gift cards of {$570.00} in value for {$500.00}. And, because of all the time, aggravation and frustration of having to resolve ( or unable to resolve ) PayPal 's refusal issues, I want compensation for my time to be {$1000.00}. This is not my first, second, third or even tenth time I have had this issue and it MUST STOP. PayPal needs to make some changes that will not lock us out of losing out on a sale or prevent us from making a purchase on limited availability items. | ||||||
| 04/07/2017 | Yes |
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| I was n't sure if this should be filed under the " Other financial service '' or " Bank account or service '' category, but I called and was told that perhaps this category was best due to being a form of " mobile wallet '' related issue. The purpose of this complaint goes beyond the specifics of PayPal Case ID XXXX and PayPal Case ID XXXX. Based on my experience, frustration, and now hours spent dealing with these cases, I have serious concerns about how PayPal is handling these types of cases. In particular, there is apparent lack of proper investigation, all while PayPal appears to be taking a hands-off approach, if not being partially complicit, as eBay Buyers ( in these two cases ) appear to have blatantly perpetrated fraud against the Seller ( me ). The Buyers bypassed and avoided interaction or communication with eBay, PayPal, or the Seller ( me ), instead going direct to their bank, which has vested interest in keeping their customer ( the Buyer ) happy and not necessarily the vested interest or motivation to do any serious investigation into the purported claims of their customer ( the Buyer ). Of course, the bank in these cases has no vested interest necessarily in determining whether the Seller ( me ) is being taken advantage of as a result of the " loop hole '' the Buyer is exploiting. The " loop hole '' being that they are buying digital items that are not necessarily something you can or would physically ship, but that are being purchased using PayPal funds, apparently using a credit/debit card as the funding source, allowing the Buyer to then bypass eBay, PayPal, and the Seller ( me ) and dispute directly with their bank. Based on what I have now seen clearly in the last 45 days, this type of situation leaves a Seller at the mercy of PayPal, hoping and needing for them to do a proper investigation, which does NOT seem to be taking place, as well as passing on the evidence and results of that investigation to the bank, which seems to be the party really in control. As a result of the bank seemingly dictacting to PayPal and PayPal acquiescing to the decision of the bank, PayPal is at fault for not defending the Seller, which can not defend him/herself. To be clear, as should be obvious, neither a Buyer or Seller should be protected or defended if there seems to be ample evidence to show/prove that the Buyer/Seller failed to " keep their end of the bargain '' and/or is taking advantage of the other party. Let 's look briefly at my XXXX recent cases. I will the intricate detail I already provided directly to PayPal due to limited space and redundancy. PayPal Case ID XXXX -- I provided to PayPal reasonable evidence to demonstrate C. Bridges had received what he purchased and used one of the codes. I have no reason to believe PayPal did a proper investigation, including working with XXXX or XXXX to verify the email exchange, working with eBay, or verifying with XXXX to confirm the information I provided. What did PayPal provide to XXXX XXXX ' bank? PayPal Case ID XXXX -- Despite XXXX XXXX communicating back and forth with me using eBay 's messaging system to get help and even later giving me positive feedback on eBay for the purchase, PayPal allows the bank to push through a chargeback for a charge " not recognized ''. Did PayPal even work with eBay to verify the Buyer/Seller communication and positive feedback the Buyer gave me for the purchase? We need to be smart and use our brains here. In both of these cases, how likely is it that eBay, PayPal, and email accounts were all hacked? If the Buyers are n't lying, then what other explanation is there? Was it a family member using their accounts without their knowledge? | ||||||
| 09/15/2023 | Yes |
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| On XX/XX/2023 I attempted to transfer out {$610.00} ( {$590.00} after the transfer fee ) from my Venmo account to a bank account. A glitch occurred in Venmo that caused the money to be sent to the incorrect account. I immediatly reached out to Venmo to inform them and request a reversal. Venmo informed me that due to it being an instant transfer, I would need to contact my bank to initiate a reversal. I initiated the reversal with my bank the same day and my account was debited on XX/XX/XXXX. The funds were still not available in my Venmo account so I called Venmo again. During that call Venmo gave me a XXXX day window for the funds to be back in my account. After the XXXX businesses day, on XX/XX/XXXX, I called back Venmo. During this call Venmo informed me that in order to escalate the situation we will have to wait until after the XXXX business day ( From when we originally spoke ). On XX/XX/XXXX I received an email from an escalation XXXX at Venmo. This email included tracing numbers and asked me to contact my bank. I contacted my bank the next day ( they were closed by the time i received the email ) and they informed me the transfer was completed successfully on XX/XX/XXXX. I replied to the email on XX/XX/XXXX to inform the escalation XXXX and he never responded to me. I called Venmo on XX/XX/XXXX to inform them that I never received a response and the money has not been returned to my account. The agent at Venmo informed me that the escalation officer left an internal note on my Venmo claim and read the note to me. The note stated that venmo did not have a way of tracking bank reversals. After hearing this I was quite upset and asked if my account could be credited. The venmo employee told me that he would transfer me to a supervisor and placed me on a XXXX minute hold. I had to hang up as I had other things to do. On XX/XX/XXXX I called back Venmo and requested to speak with a supervisor. After a very long hold, I was transferred successfully. The supervisor told me that they are unable to credit my account without a screen shots from my bank proving that the reversal took place. They sent me an email and asked to continue communication via email. I sent the screenshots of the bank transactions. They then requested a letter from my bank stating that the reversal took place. I took pictures of this letter and sent it. After doing all of that they refused to credit me and stopped returning my emails. I called Venmo again on XX/XX/XXXX to once again request my account be credited. After multiple long holds and a XXXX hour conversation, they requested that I conference call my bank while I have them on the line. I attempted to do this but the call was dropped automatically due to my banks security system not allowing conference calls. I called Venmo again on XX/XX/XXXX. I informed them of all of this and requested again to be credited my money. I produced all of the pieces of evidence again and then was abruptly hung up on. I called Venmo 4 times on XX/XX/XXXX and was hung up on by XXXX different supervisors. I was told that they would be escalating the situation again and that it will take XXXX business days to receive a response. I also reached out via their support chat feature and stopped receiving responses. They then sent me an altered transcript that made it appear that I stopped responding to them ( this may have also been a glitch in Venmo ). I was lied to and deceived on multiple occasions by Venmo employees. They often times didn't respond to me whatsoever or hung up on me abruptly. I did not include all of the calls with Venmo. I spent a total of XXXX hours on the phone with them regarding this one issue. | ||||||
| 02/13/2018 | Yes |
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| I sold my two used authentic XXXX watches on bid for {$41000.00} on XXXX transaction ID : XXXX to US Florida on XX/XX/XXXX. Paypal was used as the payment processor on XXXX. We agreed on a partial refund on XX/XX/XXXX and the refund transaction is ID XXXX. The buyer opened an INR case on XXXX. XXXX closed the case ID : XXXX in my favour on XX/XX/XXXX. He re opened the same case on Paypal on XX/XX/XXXX and stated on the non receipt claim " Didn't receive item and seller confirmed getting the watches back. '' The funds {$41000.00} has been reversed from my account and the case was closed. I was asked to provide shipping and delivery proof by email for appeal. An XXXX representative confirmed to me that if a buyer does a double jeopardy case and already used the XXXX money guarantee protection, XXXX will not grant him protection. On XX/XX/XXXX I have sent my shipping receipt, shipping label priority mail, usps tracking, usps signature confirmation pdf and ebay messages. I had bought shipping label on XX/XX/XXXX from XXXX and the buyer 's address and name was printed on the label as stated on the buying address on XXXX. I have the postal shipping receipt. Parcel was delivered and signed by the receiver in his country/state/region on XX/XX/XXXX in the mail room of Florida 's post office. Buyer 's name and address on signature proof pdf sent by Usps matches with transaction details on XXXX. A paypal representative named XXXX ( ID XXXX ) confirmed my eligibility for seller protection and gave the correct tracking number to the buyer and requested additional details from him. He didn't reply and I rephoned paypal and a representative named XXXX ( ID XXXX ) said not to worry since this is a technical issue where many wrong tracking numbers are appearing on my transaction page. He submitted a ticket ID : XXXX explaining the problem of many wrong invalid tracking numbers appearing out of nowhere and even when the correct tracking number is being inputed, the page is reloading and it's changing into a different number. He confirmed it would be sorted out by the technical team who will put the correct valid tracking : XXXX from Usps, I'm protected and I will get back my transaction money. From XX/XX/XXXX to XX/XX/XXXX, I keep getting paypal emails from XXXX saying that my tracking number is invalid on the site. I kept phoning paypal from XX/XX/XXXX and repeatedly gave the correct tracking number verbally to many Paypal claim specialists who reassured me of getting this matter sorted out due to correct tracking information. On XX/XX/XXXX I got an email from paypal stating " We've conducted our investigation and you provided us with valid tracking information as a result, we sent a courtesy email to your buyer requesting that they send you a full refund for this transaction. '' I didn't get my transaction money back. Again I phoned Paypal and a Claim Specialist named XXXX ( ID XXXX ) checked all transaction and affirmed that indeed this was an XXXX sales and XXXX has already disputed this claim problem. I insisted to talk with a manager on XX/XX/XXXX and Paypal manager XXXX XXXX said he'll investigate this issue.Howeverhetoldmethatevenifit 's paypal technicalfaultfortheinvalid tracking numbers appearanceandIhaveenoughproofsofhavingsenttheitem, he'ssorryformyloss, theyhavealreadyrefundedthebuyerandcannotreversethetransaction.Thisisunfairasthebuyerhasthemoneyandmyitem.Pleasegetmebackmymoneyforthistransaction.Thankyou. Here 's the transactions details transaction ID : XXXX Case number : XXXX ticket case ID : XXXX XXXX dispute ID : XXXX Partial refund ID : XXXX Signature confirmed tracking number : XXXX Original amount : {$41000.00} USD | ||||||
| 06/21/2016 | Yes |
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| I found a snow mobile that I was interested in, which was located in XXXX, a city located in XXXX. I contacted the seller of the snow mobile and we exchanged conversation over the next week or so about the product, and purchasing it. The seller wanted me to wire him the money ( {$5000.00} ) but I did not feel safe buying something in another country by just wiring funds. I requested him to send me an invoice via PayPal as I assumed that PayPal was the safest way to make the payment in the event there was issues I would be protected and can easily file a dispute with PayPal to be protected. He was n't happy with receiving PayPal as a form of payment, but he did send me an invoice of {$5200.00} as I instructed him to so that he has the additional {$200.00} to cover the fees that PayPal will charge to receive the funds. After sending payment, I proceeded with trying to schedule my drive out to XXXX to pick up the snow mobile. Being a XXXX hour drive ( each way ) from XXXX OH where I am from, I wanted to ensure everything was in order for the long trip. He had told me the town he resided in, but never the exact address. I asked him numerous times, and his response was 'just head up here, I 'll give it to you when you are close '. I did not want to drive XXXX hours to not have an address of where to go to, especially crossing the border incase I was questioned for the drive when pulling a trailer. Within an hour of starting the drive, and insisting I received an actual address, the seller then stated that he either needed more money for the snow mobile due to PayPal fees ( which was incorrect ) or that he needed cash instead. Having already sent him the {$5200.00} which was already deducted from my account, and being a weekend, I was n't able to go and withdraw another {$5000.00}, especially since he had not refunded me the original payment. If he wanted me to bring cash, he could have easily refunded the payment, and I would have been able to reschedule the trip and bring actual cash if necessary. Since we did not come to terms on the purchase, I decided to turn back around and head home. Once I returned I asked him to issue a refund, which he ignored. I asked numerous time, stating that I would file a dispute with PayPal if he had not refunded me, which he also ignored. I file a dispute, later escalating it to a claim. The seller attached a tracking number in his answer to the dispute filed, and upon receiving the box that he had sent and attached a tracking number of in PayPal, the contents of the box were as follows : ( picture of box and contents also included in evidence pictures herein ) XXXX XXXX, bag of XXXX chips, hand cream, toy XXXX wheeler, picture of the sled being purchased inside XXXX XXXX, and disinfectant wipes. The claim got turned down via PayPal as they stated that this has to do with the purchase of a 'motor vehicle ' and they do not govern, not does a purchase of such fall under their buyer protection terms. I have filed a Police Report with my local Enforcement Agency, as well as made a Claim to the Ohio Attorney Generals Office. That claim number with the Attorney Generals Office is XXXX, filed on XXXX/XXXX/2016. I wish to file the claim here as this is absolutely a form of fraud this individual has committed, as well as to prevent him from doing so in the future as he seems like someone who will again and again after what seems like he is getting away with quite easily. Documentation being provided includes, full conversation via text message as a PDF file, Police report filed with local agency, copy of initial money transfer via PayPal, and pictures of box and its contents as received from the seller. | ||||||
| 12/28/2020 | Yes |
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Web | Older American |
| I have a PayPal account which has a balance of {$12000.00}. PayPal put a restriction on the account due to not following the rules on the User Agreement policy. They placed a hold on my funds for 180 days beginning on XX/XX/XXXX and ending on XX/XX/XXXX. They told me the hold is in case of any refunds, disputes or chargeback from any buyers that purchased from me. The only one buyer that made any purchase from me was in XX/XX/XXXX, 270 days ago. Then they told me I created my account using a anonymizing proxy service back in XX/XX/XXXX. I had no ideal what the XXXX a anonymizing proxy service is. I had created my account at that time using my brother 's computer at his home. I needed his help to show me what PayPal was all about. I had no ideal what kind of internet or using any type of anonymizing proxy service he was using. I had created my account and that was it. If I had created my account using anonymizing proxy service why didn't at that time they restricted my account? Why a couple months later I was able to have my account fully verified with my social security number, adding a bank account, adding a debit card and having my address and phone number verified? Then in XX/XX/XXXX, with the approval from SBA and PayPal I had my SBA EIDL loan direct deposited into my PayPal account. Prior I had talked to SBA and she told my since I am the XXXX XXXX of my XXXX that I was able to have it direct deposited into PayPal account as long as I can get copies of statements and receipts showing what was being paid out. Then I talked to PayPal and she said that I am able to have the loan direct deposited. She said that my account was fully verified and as long the direct deposit matches the name and social security number on the account. I had SBA and even PayPal approval for the direct deposit. So why was the direct deposit in question? If the direct deposit was in question PayPal could of had it rejected. Apparently there wasn't a problem because it deposited and I was able to make some purchases. And the purchases was business related. Office supplies, hand santizers, gloves and office equipment. Which I had all the receipts and statements sent to SBA. Then I had problems with trying to figure out how to pay bills. Trying to transfer money onto my debit card and was unable to get the PayPal debit card to pay for my bills. PayPal knew I was having problems and was trying to fix the problem. She told me try and see later in the evening to see I can send money to a family member and when they get the money have them transfer money onto their debit card and pay for the bills. It work one time to my son. It didn't work to my brother in law or sister and the money was refunded back to me. I was back and forth with PayPal trying to get the problems fix. Then my account was suspended. PayPal knew what was going on because in one of the letters it states " In Addition, we apologize for any inadequacy Ms. XXXX may have experienced when contacting PayPal 's Customer Support, and assure any inadequacies identified have been address accordingly. '' But instead they tag me of doing fraudulent activities and me out to be the bad person. My business is going down hill while PayPal have my money XXXX. I apply for the loan, had it approved, sign all the loan documents and making my monthly payments. How is this fair? I just want my money direct deposit to my bank account they have on file ending # XXXX. I do not want PayPal services. Then I receive an email on XX/XX/XXXX saying they are going to hold my funds XXXX more days. The placement date was put on XX/XX/XXXX. I received a letter dated XX/XX/XXXX and not anywhere in the letter states that. | ||||||
| 12/02/2020 | Yes |
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Web | Servicemember |
| Timeline of Events XX/XX/XXXX I make repeated offers to XXXX seller XXXX for item XXXX for XXXX XXXX XXXX XXXX White Dial Stainless Steel XXXX. My initial intention is to purchase through XXXX. XX/XX/XXXX XX/XX/XXXX XXXX writes to me (XX/XX/XXXX user id XX/XX/XXXX ) : Due to my quite new PayPal account can not accept payments other than EUR. If you like I can invoice you XXXX EUR. Thank you. Note :XX/XX/XXXX/PayPal automatically converts to base currency so USD or EUR should make no difference. He also says that he will send via XXXX or XXXX depending on the time of day. XX/XX/XXXX XXXX XXXX invoices me for XXXX EUR via PayPal. He send me a picture of the XXXX XXXX watch to be purchased. XX/XX/XXXX I pay XXXX EUR ( {$9000.00} ) for the XXXX XXXX watch via PayPal invoice. XX/XX/XXXX Seller gives me tracking information for a parcel ( XXXX ) sent via XXXX XXXX ( not XXXX ). No other information such as destination address is provided. XX/XX/XXXX I receive the following message from XXXX stating that the account XXXX was accessed by an unauthorized third party. All communication with XXXX and XXXX XXXX are suspect since I had been dealing with him before the message was received through XXXX. Note : I contact the seller and tell him that his account is fraudulent and he denies that XXXX contacted me. I forward him the message I received and he backtracks on XX/XX/XXXX and says that he is getting that message because of fraudulent offers. I ask him to contact me through theXX/XX/XXXX messaging service if he does actually own and is in control of the the account XXXX but he is unable to do so. XXXX Account Security Communication Partner Warning - XX/XX/XXXX Hello, Our records show that you recently contacted or received messages from XXXX through XXXX 's messaging system. This account was recently found to have been accessed by an unauthorized third party, who may have used the account in an attempt to defraud other members. We've taken action to restore this account to the original owner, but wanted to let you know to be suspicious of any communication you may have received from them. Nothing is wrong with your account at this time this message is just being sent as a precaution. If you have received any messages from XXXX that appears suspicious, please feel free to forward them to us at XXXX for review. XX/XX/XXXX I repeatedly ask him why he did not send via XXXX XXXX and request for a receipt showing the delivery address and parcel weight, etc. He ignores the request. XX/XX/XXXX I initiate a disputed charge with XXXX XXXX XXXX. Note : Upon further investigation on the internet this is a common type of internet fraud through PayPal. PayPal is aware of this scheme ( but there automated system does not allow for in-depth investigation ) since only a tracking number is required to show delivery of the item even though a bogus item is sent to another location. The fact that the seller invoiced me through PayPal after contact through an unauthorized XX/XX/XXXX account indicates that the seller wanted to use PayPal for the express use of defrauding me. XX/XX/XXXX - PRESENT XXXX XXXX ruled against me using a photocopy of a fake billing receipt and a vague USPS tracking number that says " delivered to recipient '' in my City and ZIP Code yet no such package was ever delivered. USPS has not been able to verify that any package using that tracking number was ever delivered to my address. USPS Informed Delivery also showed no evidence of it ever being delivered or received. I put a lost package notice into the USPS system and they have still not been able to locate it, even up to very recently XX/XX/XXXX. | ||||||
| 10/15/2022 | Yes |
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| Paypal is a scam and are liars. They will not release money after double charging an exorbitant amount that was not clearly disclosed. My husband and I had our wedding postponed due to the pandemic. We more or less eloped on our original date in XXXX, and finally celebrated with family and friends this XXXX, almost two years later ( pre-pandemic wedding deposits dictated that we had to go through with a reception at some point ). We elected to register via our wedding website on XXXX, which was apparently a huge mistake as they are part of this scam. As a registry we said if people were inclined to give a gift to please donate to the honeymoon fund. PayPal was then suggested by XXXX and linked to set up to allow people to buy gifts like donations to flights, food/drinks, and excursions. PayPals misleading and predatory advertising says that to transfer money online you can Send and receive money the fast, fun, and secure way. Connect with friends. Make donations. First off " fun ''? They should be embarrassed. Second, I now see that if you scroll through that impossibly long page claiming how great the service is there is an intentionally vague footnote that fees apply. What it DOESNT say is that they will take almost 10 % of the money sent to you AND NEVER GIVE YOU THE REMAINDER. They start by taking 4 % (! ) of every transaction that people donated. Our wedding wasnt huge or extravagant in any way, but it still ended up being super expensive which was a cost we bore on our own because we dont have millionaire parents like the entitled people who would shrug this off. IN ADDITION TO THAT they debited my linked XXXX account 3 % of every transaction as well so every time people gave us a gift, my account was automatically drained more and more. THE MAIN PROBLEM : after bleeding us for a service they now will not release my money so we can use it to book the honeymoon. They are perfectly fine taking money from my XXXX account for every gift, but they conveniently dont have that MAJOR BANK as an option to release the funds to. How is that legal? They obviously can use that account to take my money. I tried to use my husbands XXXX account over and over but it conveniently crashes or throws an error every time I try to complete the transfer. We have done a ton of troubleshooting but we cant move the money. I have been trying for months now. I CANT EVEN LOG IN to my account anymore on an XXXX computer. I have to use the app on my phone which is what crashes. Their tech is conveniently set up to prevent that. Their website has a confusing mandatory pop up window asking nonsensical questions about my business even though I have a personal account which I can't answer to move forward. This is an abusive practice. Im sure they are making more money off of our funds which is why they make it so hard to release it, and then block the release when we jump through their predatory hoops. After deceptively ripping us off with what was supposed to be a convenient, easy, and fast way to let people give gifts so we can celebrate our marriage, they are now feasting off our wedding gifts while we sit here watching flight prices go up or get sold out. Im heartbroken and so surprised that such big name companies like Paypal and XXXX are allowed to operate this way, and are such scams in the first place. Please shut them down because they will not help me with the basic service they are supposed to provide. I want my money released to me and my side of the fees returned because they are definitely profiting off of my money every day they hold it and there is NO REASON it should be difficult to move it out to use it. | ||||||
| 09/28/2021 | Yes |
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| Hello, my name is XXXX XXXX, I was a user of the services of the Paypal company, my problem with the company for which I feel cheated, scammed and stolen is the following : On XX/XX/XXXX my account was limited and They asked me to send documents and information to resolve this later, on XX/XX/XXXX, they responded with the following text " We have reviewed your PayPal Account, and due to the excessive risk involved, we would like to begin parting ways in a manner that is least disruptive to your business. Money in your PayPal account will be held for 180 days. After 180 days, we'll email you information on how to receive your funds. " In question, the 180 days for which they would retain my money ended on XX/XX/XXXX of the year XXXX, I called the company to find out why I had not received the message to withdraw my money in the account and a representative told me verbatim : " Your account and On XX/XX/XXXX, it received another permanent block for 180 days in which, the date was updated and now it must start counting the 180 days from XX/XX/XXXX and then the day on which the 180 is fulfilled. days you will receive the message to be able to withdraw your funds ", I tried to complain and talk to someone who could explain this to me about how it could be possible 2 permanent blocks for 180 days and they limited themselves to answering me that the company and the paypal system could do it and that only a second block was allowed, that after this they could not make me wait any longer, as a result of all this I waited to communicate again and today I called the PayPal offices so that a customer service agent Say the exact date on which the system will send me the message to withdraw or remove the security from the account so I can make the withdrawal, the 3 customer service people with whom I spoke for more than 1 hour could not give me information about and this, the first person told me ironically " That the blockade now appeared in the system as it had been in the month of XXXX and that from this month it was going to start counting the 180 days again '', the second person " only He asked me my information and then I abruptly hung up the phone ", the 3 person named XXXX explained to me that in the system it appeared that the permanent limitation was certainly on XX/XX/XXXX but that nothing came out in the system about about the second permanent limitation of XX/XX/XXXX of this year or anything about what the first person I spoke with today told me about the new permanent limitation that began now in the month of XXXX, I asked him that then on what date would they send me the message to be able to withdraw and he simply told me that the department in charge has not placed information and that he does not know when this will be ", With all this I mean that the paypal company has me in a limbo in which they make use of my money already held illegally and do not give me accurate information about what to do or when they will solve me, they have given me 3 different dates and XX/XX/XXXX or XX/XX/XXXXwas supposed to be the date on the one that would be fulfilled the 180 days of the supposed second limitation that they placed on me in XXXX but not even this could be assured by the last representative. I feel scammed by the company and I try to communicate both with them and with you, who are an entity that regulates all this in our country so that they can help me obtain what legally belongs to me. Below I will attach screenshots of the messages I received in the month of XXXX of the year XXXX where it verifies everything I say and where it shows that PayPal is breaching its own policies to illegally withhold funds from users | ||||||
| 03/30/2021 | Yes |
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Web | Older American, Servicemember |
| This complaint is about PayPal. On XX/XX/XXXX, several fraudulent activities occurred in my PayPal account. These activities involved : ( 1 ) the fraudulent sale of my XXXX and XXXX in my PayPal account ; ( 2 ) the introduction of a XXXX Visa Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) the following purchase of bitcoin with this XXXX Visa Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXX Visa Debit card only 30 minutes after it had been added to my account! I have used PayPal for some time for merchant purchases, to limit exposure to my credit card information.. Recently PayPal began marketing XXXX and XXXX, so I made purchases on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Prior to these purchases, I held NO asset balance with PayPal. Only 14 days later from my last purchase, the above fraudulent activities occurred on XX/XX/XXXX. I have attached support material regarding my multiple claims. In addition to the previous fraudulent activities, the perpetrators of the fraud made three fake address changes, involving three different states. It appears that the fraudsters KNEW that cryptocurrencies were in my account, as demonstrated by their final purchase of the XXXX and the timing of the fraud. They also knew that the Two Stage Authentication, which PayPal claimed was in force on my account since XX/XX/XXXX was, in fact, NOT ACTIVATED, and as a result was vulnerable. If the Two Stage Authentication was active, my account could not even be logged into without receiving an activation code via my cell phone. The evening of the fraud, when I called PayPal using my cell phone to report the fraud and reset my login password, was the FIRST TIME that an authentication texted code was required to access my account. PayPal claims that a texted code was initially sent to my smartphone and used by me to allow the fraud to take place, but that is NOT THE CASE! I sent PayPal a picture of my cellphone text messages from the XX/XX/XXXX time frame, and it shows that NO CODE WAS SENT ( see attached )! A texted code was NEVER REQUIRED to access my account, prior to the night of the fraud, when I reported it and requested a password reset. I then requested the account be locked down. My many appeals to PayPal have resulted in the same form letter response. On the night of the fraud I responded to PayPal 's emails, that the address changes were bogus, but on XX/XX/XXXX when I called XXXX to renew an appeal, the bogus addresses were STILL SHOWN ON MY ACCOUNT. I called XXXX where the XXXX Visa Debit card was issued, and was told that no record of my name or social security number was registered at their bank, and the actual owner of the XXXX card would not be divulged, and to report the incident to the government fraud site. PayPal made no attempt to track this card 's owner, but just blamed me. PayPal did not send me authentication codes prior to the fraud. They merely sent notifications of changes to my account via email, requesting me to notify PayPal immediately if I did not initiate the changes myself. I did not see the emails regarding the fraudulent changes until the evening of XX/XX/XXXX, AFTER THE FRAUD HAD TAKEN PLACE. I did not authorize the fraudulent changes using the two stage authentication code as PayPal claims, because it had not been activated on my account. PayPal was negligent in safeguarding my account and accepts no responsibility in their lack of oversight. If two stage authentication was active, these fraudulent activities could not have taken place. Supporting documentation is attached. | ||||||
| 11/03/2015 | Yes |
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Web | Servicemember |
| On or about XXXX/XXXX/2015 I, -name redacted-, tried to transfer funds in the amount of {$1600.00} to my XXXX XXXX XXXX XXXX account number -redacted- from my Venmo account. I was messaged by Venmo ( and still have this message ) saying that this transaction was cancelled by XXXX XXXX XXXX XXXX. This turned out to be a lie. XXXX XXXX contacted me ( I still have the messages ) saying that the transfer process was never initiated by Venmo. What that means to me is that Venmo never even INTENTED for me to have my money. The reason why is for financial forensic investigators to find out, not me, and really is irrelevant at this point. On Venmo 's website, it says this about bank transfers : " If you received a notification from Venmo that your transfer to bank failed, the funds from the failed transfers to bank should already be back in your Venmo balance. '' This is also a blatant lie. Today is XXXX XXXX. Venmo 's site says that if you place a customer service request with them, they try to respond within XXXX hours. This is an egregious lie, because as of yet, I have only received an automated message saying that they received my request. As a business owner, it boggles my mind that a company which processes money transfers in the XXXX of dollars, only works XXXX hours per week, but I am starting to see why this is the case. On Venmo 's website, it instructs the consumer that if a transfer fails, it is most likely the fault of the consumer inputting their banking information incorrectly, so they should try to re-input their account information. This point is irrelevant, as in my checking account from the XXXX forward, Venmo, in an attempt to verify my account, on XXXX/XXXX/2015 withdrew {$0.00} from my account that I still have not gotten back, so from that transaction, one may be able to deduce that they had the right account and routing numbers to make the deposit of {$1600.00}, and at the same time precludes the notion that I gave Venmo incorrect account info. As I have previously stated, I have attempted to contact Venmo, however their hours of operation are severely limited, and also, and this is only conjecture on my part, but after reading the following Slate article, XXXX, I do not think that they even at all TRY to get back in touch with their customers, because this has already been proven more than once ( unless the media is involved, which is my very next step prior to class action ). So at this point, I do not need very many more people to start a class action lawsuit, I just need to file reports such as this one, to make sure I 've done all I can do to resolve this situation BEFOREHAND. At no time did I notify or attempt to notify Venmo or XXXX to cancel my transfer of {$1600.00} to my XXXX account. This transfer was cancelled without my knowledge, consent, or authorization. If any other information is requested from me that would be helpful, by all means please let me know, as I would love to handle this situation at the lowest level possible without utilizing costly legal representation and private investigative services for such an amount, however, I am quickly realizing that I probably will have no choice but to do so as a matter of principle and for all others going through this same issue, but do not know what recourse to undertake. I certify that I did NOT conduct Venmo transaction # XXXX for any type of business, commercial, or merchant transactions or reasonings. The following is quoted communique from Venmo to me. " AMOUNT $ XXXXXXXXDESTINATIONXXXXEXPECTED ARRIVALWednesday, XXXX XXXXYour transfer number is : XXXX '' XXXX XXXX , General ManagerXXXX XXXX, FraudVenmo, XXXX , New York XXXX | ||||||
| 11/16/2022 | Yes |
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Web | Older American |
| This is going to be complicated. It pertains to the XXXX XXXX XXXX XXXX XXXX account at PayPal. The registered e-mail is " XXXX. '' In XX/XX/2022, I opened an account with PayPal on behalf of this small-scale political campaign for which I am the treasurer. During the set-up of the account, I was asked for " account contact information '' -- specifically name and Social Security number along with other less-sensitive information such as address and phone number. As treasurer for the campaign, it made sense for me to be the contact person so I provided my information. PayPal never asked me for the tax identification number that would be appropriate for the owner of the account ( the campaign or the candidate ). Instead, it used my personal information meaning my SSN is now on this account and I am listed as the account owner. Both are wrong -- the SSN should be that of the candidate and the owner name should be him and/or the name of the campaign. In trying to get PayPal to correct their errors, they have been of little to no help. They were gung-ho to get us signed up as a customer but as soon as it became apparent that there were problems, they pretty much disappeared. Mainly I have gotten the runaround. The closest thing to a concrete solution has been to have the candidate send a copy of his Social Security card and a letter on our letterhead requesting the change. Well, the candidate should not have to send a copy of his Social Security card anywhere nor should we be requested to create a fraudulent document -- we don't have letterhead, we're just a tiny political campaign. These are absolutely PayPal 's errors and they should step up to make everything right. The SSN issue then ties in with what I fear is going to be a problem related to XXXX reporting for the 2022 tax year. Starting in 2022, payment services such as PayPal are supposed to issue XXXX 's when more than {$600.00} in payments have been received FOR GOODS AND SERVICES ( that is how it is phrased on XXXX ). We have received more that {$600.00} in payments. However, ALL of the payments we have received have been DONATIONS. We have not received, nor will we receive, any funds for GOODS AND SERVICES. No one at PayPal can explain how their system is going to recognize that a XXXX should not be created with respect to us. That tells me that the IRS is going to be made aware of funds that are not taxable and thus should not be reported to them and will expect to see said funds reported as income and, if it isn't reported, it's going to disrupt the processing of the tax return for whatever SSN is on the XXXX ( keep in mind that right now it is mine because of PayPal 's error ). That is just wrong. PayPal has been awful through this process. I have been trying since early XXXX to resolve the SSN issue. They are next to impossible to get a hold of, no one wants to take ownership for anything, I have been transferred more times than I can count -- today alone it was FOUR times! Only recently have I tried to pursue the XXXX issue. Similarly, no one knows how their system is going to work other than to say they think they are going to issue XXXX 's in all instances where the {$600.00} threshold has been met regardless of whether or not good and services were involved. That is just inexcusable. PayPal needs to step up and fix their errors and they need to do so promptly before they create information returns ( XXXX 's ) that are wrong and/or unnecessary. It's my understanding that correct XXXX 's are to be issued before the end of XXXX which is not that far off. They also need to work really hard on being more customer-service oriented. | ||||||
| 06/21/2018 | Yes |
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| I have a PayPal business account ( XXXX ), which I've had 2 years. I have been sending and collecting funds from clients with PayPal without any issues since that time, except for the fact that they won't release the funds quickly enough. Last week, on XX/XX/XXXX, my brother sent me {$6000.00} as a business loan. Immediately PayPal informed us that the funds would not be available for up to 72 hours. I called them, and they promised that the funds would be available by Saturday, XX/XX/XXXX. On Saturday, XX/XX/XXXX I tried to access the funds with my PayPal debit card, and was told my password was invalid. I tried to call PayPal, but they are closed on the weekend. On Monday, XX/XX/XXXX, I called PayPal about releasing my funds, and was told that this was an attempt to collect a debt. I didn't know what they were talking about. They told me that I had a " linked '' account ( XXXX ) which had an {$1800.00} collections issue that had never been paid. The issue dated back to XXXX! I told them I had not used that account in many years, and had no idea that there was a collection issue. In fact, I had been using my PayPal business account for 2 years without any issue of a collection on another account being brought to my attention. Their collections department told me that the {$6000.00} in my PayPal business account would not be released unless and until I paid back the {$1800.00}. They would not provide me with any documentation of this debt, just read a bunch of information over the phone. I asked them to work with me, that I urgently needed the {$6000.00} released and would they be willing to set up a payment plan for the {$1800.00}. They said no, unless I still had the XXXX XXXX account from XXXX that the {$1800.00} transaction was linked to. Of course I don't still have that account, nor did I have the {$1800.00} available. I told them I was unwilling to pay this amount unless I saw some documentation. They insisted that if I didn't pay the {$1800.00}, they would not release the {$6000.00} in funds in my business account. I reluctantly agreed to let them take the {$1800.00} out of my business account. They promised the remaining funds would be released on Wednesday, XX/XX/XXXX, and I could immediately transfer them into my checking account. The funds were released, and I transferred them to my checking account. To date ( 24 hours later ), the funds are not in my checking account. These heavy-handed collection practices, without providing proof of any collections issue other than over the phone, for a " linked '' account that I haven't used in several years, and their unwillingness to work with me on this matter, are in my view predatory and a form of blackmail. There was no way to appeal this matter, just give in or not get my money. I will no longer use PayPal under any circumstances. I would like CFPB to review their predatory practices, their practice of holding on to funds as long as possible before releasing them to their customers, and their terrible customer service. I would have been willing to review any documentation and, if it was proven that I owed any money to PayPal, made payment arrangements to pay the money back in full. I was never offered that opportunity, just presented with an ultimatum to pay an alleged personal debt out of my business account, thereby disrupting my cash flow and making my life just plain miserable. Any help you can give to let PayPal know how dissatisfied I am with their service, their predatory practices, and their terrible customer service would be much appreciated. I can only hope that they will return the {$1800.00} to my business account. | ||||||
| 02/16/2020 | Yes |
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| I had file 4 disputes with Pay Pal ( PP ) for charges to a vendor that occurred on XX/XX/20 disputes were filed on XX/XX/20 as follows {$25.00} XXXX {$200.00} XXXX $ XXXX $ XXXX XXXX Im disputing the charges for two reason : 1 ) Item not received /Non-performance. 2 ) Wrong name associated with the charges On XX/XX/20 Pay Pal settled the {$25.00} dispute in my favor and returned funds however they deactivate my account and send an email : Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied ( How do you pull protection on items previously transacted? I could see that happening going forward, but it can't be applied retroactively especially while engaged in disputes ) especially when they have already decided one of the disputes in my favor.. This made it impossible to continue to communicate with them on the remaining disputes. I then had to file a complaint with my Bank for the charges At my instances, Pay Pal restored my account but limited my account so that I couldn't use the online chat features or read messages in my inbox. Making it almost impossible to send documentation to support my claims or communicate with them. After I file the claims with my bank on XX/XX/20 I received emails on XX/XX/20 for 2 of the 3 remaining disputes : {$200.00} XXXX {$270.00} XXXX You sent me an email : stating : We Can't Investigate or Decide This Case You filed this dispute with your financial institution or credit card company, and not with PayPal. We can't provide additional details or updates on this claim because we don't have access to your financial institution 's investigation details. Please Contact Your Financial Institution You will need to contact your financial institution or credit card company directly for additional information and final resolution on this claim. If you want to cancel this claim you will also need to contact your financial institution directly ( clicking Cancel case in the PayPal Resolution Center won't cancel the claim with your bank or credit card company ). " But no such email for the $ XXXX=XXXX despite the fact that the XXXX XXXX claims were all done on XXXX the day PP deleted my account. Thus, dragging out the process. I don't know how they decide that only 2 of 3 disputes were no longer going to investigate by them and then decided on XXXX in my favor on the {$200.00} XXXX ( the 1 they missed or sloppily forgot ) Compliance and consistency, please!!!!! For crying out loud Pay Pal is in Financial Industry. I assume they have some regulations and requirements that need to adhere too.. If PP can decide in my favor for 2 of the 4 disputes by XXXX and then on XXXX decided on 1 of the remaining of the 3 disputes. PP should be able to do the same for the other 2 as the facts and details surrounding them are the same. By refusing to further investigate Pay Pal is either deliberately stalling or dragging out the processor is acting in a willful negligent manner with malicious malice intent to delay closure on the issues. Pay Pal can't create situations that inhibit my ability to seek resolution. Further exacerbating the situation by hiding behind a policy that places the responsibly back on my Bank to investigate. While at the same time violating their own policy and rendering decisions on a similar related issue. Since 2 of the 4 have been decided there is no reason why the other 2 issues remain open and delayed of closure when there is no deviation in the facts surrounding all of the charges. As soon as this gets settled Pay Pal and I will be parting ways | ||||||
| 11/15/2021 | Yes |
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| XXXX XXXX I sold a phone on XXXX and the buyer lived in Texas. He wanted to use a company called VENMO, which is a part of Paypal Inc. I do not use, nor was I familiar with VENMO and he did not have a Paypay account. So, I set up VEMMO and when you sign up, you are given two options, Personal or Business account. I am NOT a business, so I set up a personal account on VENMO. I gave the buyer my email via VENMO so that he would be able to credit me {$310.00} for the cost of the phone. I received a series of emails from VENMO stating that it would be up to 8 hours before they would transfer the funds into my VEMNO account and that I had to send them proof of tracking before they would release the funds. I then went to the USPS and mailed the phone and then sent the proof to VEMNO via email. I then got a new email stating that it would be 9 to 10 hours before they would release the funds. I waited 16 hours and then started emailing VENMO as to where my money was. After multiple attempts, VEMNO came back and said that my account was " limited '' and that I had to have a " business '' account. I repeatedly told them that I was not a business and they insisted that I set up one. When I refused, they then stated that the buyer had to send an additional {$300.00} and my account would automatically be set up as a business, but I had to send the additional {$300.00} back to the buyer. THIS is not making any sense to me!!!!. No where in their instructions is is clear that to use VENMO, you have to do so as a business. This is where is starts to get really squirrelly. The buyer and VEMNO said I had to " get '' an XXXX gift card so that the {$300.00} would be sent to the buyer. Nothing from VENMO said that I had to " buy '' a card, just " get '' it. I told the buyer that as I researched this, it mean that I would have to buy the card, using my own funds. The buyer said that was not the way it was and to just " get '' the card. I went to the store, as per VENMO 's email instructions and " got '' a card equal to the value of the {$300.00} and sent VENMO proof. In the meantime the buyer is asking me if i send them the receipt for the purchase and that was when red bells started ringing. I told the buyer that was not what the instructions said and I reminded him that I questioned whether I had to actually buy the card and he said not and to just " get '' the card and send it to VENMO. They buyer then said to just spend the money and when VENMO got proof, they would give me a total sum of {$610.00}. I got pretty upset with the buyer as that was not something i was comfortable doing and I did not have the additional {$300.00} to spend on something that was feeling like a " sting '' operation to me. Then VENMO sends me an email stating that I needed to send them the proof that I spent the {$300.00} and that they would give me a full sum of {$610.00} once I did. All the while, I am telling VENMO multiple time that I was not a business and if that was the way it was with their company, they should not be offering a " personal '' account option. Then.. VENMO sent me an email threating me with the FBI and added pictures of people being arrested and stated that they were going to block all my bank account and bank cards if I did not send them the {$300.00}. I refused!! This is corrosion and a scare tactic and I think an abuse of power to use the FBI to get money out of someone. The entire exchange was wrong on so many levels. I went on line to USPS and intercepted that package and I am waiting for proof that I have the phone coming back to me as of XX/XX/2021. I have attached the email chain with VENMO. | ||||||
| 02/11/2020 | Yes |
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Web | Servicemember |
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My business Paypal account. I received an email from Paypal that they were sending me a business debit card. I DID NOT apply for a card. If I did not see the email and the drop dead date they would have automatically sent me a credit card. This is wrong and should be investigated. Under Regulation Z, which implements the Truth in Lending Act, its illegal for a credit card company, store, or other entity to send you a credit card you didnt request. ( 12 C.F.R. 226.12 ).
Here is their email : On Tue, XX/XX/2020 at XXXX XXXX PayPal |
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| 02/24/2018 | Yes |
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Web | Older American, Servicemember |
| Late in XX/XX/ I requested payment from my well established bank account through PayPal to a XXXX seller. They failed to draw the funds, then blamed me, then blocked my account. I made an effort to pay them once the negative XXXX balance showed up, but the blocked me from drawing funds from my bank. Their claim was that my BILLING address was a XXXX XXXX and thus did not meet the XXXX 's newly set in XX/XX/. I furnished them with the required 'new account ' documentation, photo ID, SOSEC card and Utility bill showing my PHYSICAL ADDRESS.. I received an email saying my account was " Restored ''. However in the next weeks they continued to block my use of funds from my bank account, citing the same reason. This has continued for now over eight months. They demand that my BILLING address, my CONTACT address all be my PHYSICAL address. This if course would mean that I would LIE, if I entered my BILLING address as my PHYSICAL address. Where I live there is NO home delivery of mail, thus all my financial institutions, the county tax bills, the utility bills and even the IRS utilize the authorized XXXX XXXX in XXXX XXXX. ONLY PayPal deliberately misuses the XXXX 's to harass and block payments from those US Citizens who reside in rural America from being able to make payments from their bank accounts. This, I feel is clear DISCRIMINATION based upon my location of residence, that the US 'government ' in the USPS does not serve me at my PHYSICAL address. Should I enter my PHYSICAL address as PayPal wishes, then I am -=lying=- regarding my credit card and bank BILLING address. That could be charged as a fraudulent action upon -=my=- part! We altered my one CC to show the address, including on the 2nd line my PHYSICAL address. This on their dictate, but once done - it was again refused as " being in compliance with the current XXXX 's ''. Again in XX/XX/, I went through hours of conversation with a supervisory level person, re-submitted ALL the documentation. She emailed " Our review is complete and we have returned your account to regular standing. '' However I was still blocked from accessing my bank account to make transactions. They keep saying : " I have read the thread of your emails since XXXX and saw the documents you sent. As it stands, PayPal requires a physical address so you can make bank transactions using your account. '' IF they saw the documents, then I have complied with the XXXX 's and they should not further DISCRIMINATE against me because of my BILLING, CONTACT or MAILING address! I am not alone, from chat boards, PayPal has been rapidly blocking all those outside the cities that do not directly receive mail at their home. Yes, I could put a mailbox out on the highway and use the FAKE address assigned to that from the USPS, but that also is NOT my physical address! IF PayPal had a PHYSICAL address form, a BILLING and CONTACT address form, then they would easily see the correct facts. It has been suggested, yet that keep maintaining the same 'mantra ' ... " This is the result of the U.S. Banking System requiring customers to provide a physical mailing address due to XXXX. XXXX are no longer acceptable. This impacts the customer 's ability to process transactions using their bank account and is advised to update their information. '' NOTE : they insist upon a PHYSICAL MAILING address - which of course does not exist due to the USPS not delivering to my home of residence! Proof of a PHYSICAL MAILING address is NOT part of the XXXX 's, only a PHYSICAL RESIDENTIAL address! PayPal 's DISCRIMINATION based upon my residence location continues ... | ||||||
| 09/04/2018 | Yes |
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| On XX/XX/XXXX, I received notice that we had to finish up our deposit for a lease on a house. I couldn't reach the location, which was in XXXX, Ma and I was in XXXX, MA, 2 hours away, and we had to submit funds to our landlord to secure the home. Because I couldn't get in touch with a specific roommate to cover the security money I had, I had decided to use the XXXX application to send money from my account. The application, in itself, had to have a glitch, as I bad specifically clicked on the name of the rightful person to receive the funds. The issue I have is that the user I was seeking was a user I had already had interacted with payments. Yet it somehow ended up transferring money to a totally different user! Seeing this error, I promptly contacted the company to let them know of this error and that I wanted to cancel the payment. I gave them an intense amount of information, the actual recipient, the possible glitch in the application, as well as there was no warning from this app that this user was not a friend. There was no warning. Usually if you have not done a transaction with a user, it will put up that warning to prevent you from sending money erroneously. That being said, I have gone through an entire week dealing with customer service as they tell me they can't reverse the charge, even though they are holding the money for reversal while discussing the issue with me. I received multiple promises from different support and one supervisor named XXXX that if the person can validate my first and last name, than I would Be liable. I find it impossible to even be in this predicament but I agreed because I had no idea who this person was. Now, after a week agonizing over XXXX of a security Deposit needed for a house, I come to find that support had backtracked and said they asked the recipient if he knew me and the recipient said yes. I then asked them did he know my first and last name. Again, the support people say he was able to provide information needed but they never specified if this user knew my first and last name. They have enough evidence to know that this glitch had enabled an unauthorised transfer of funds yet they have done nothing about fixing it. I believe, but I have no idea, what has happened to my money, but I now could be homeless over this incident. Or at least be without a home for some time. The fact that there is no remediation for bad UI being a catalyst for a bad transaction, or even worse a glitch where it doesn't post the correct name, and that the company won't remedy this, has made me extremely hurt and sad. I have not slept in two days. I can barely work. And now with what little recourse i have i am going to file a police report and ( probably considered delayed ) a bank dispute over the matter. There has to be some correction in this. This is too great a sum of money to not have a safety protocol for this situation. And on top of that, there is a nefarious user who is saying the money belongs to them, but now I will have to wait for a police report to detail this person, who could be anywhere in the US. Or even outside of the country. I have no idea who this person is and they are going to send it away to them. All because of this app and it's quirks. There is no safeguard to a false transaction, and now so much work I have to do to get my life back whole again, because of just one stupid decision to send money through this app. This is a travesty. These systems need to be regulated. The company won't take responsibility and won't at least fix the predicament. I'm at a loss on what to do. | ||||||
| 05/14/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding PayPal Business Virtual Terminal Dear Sir/Madam, I am writing this letter to bring to your attention a significant issue I have encountered with PayPal Business Virtual Terminal. I believe that my recent experience with their service has been unfair and detrimental to my business operations, and I hope that the Consumer Financial Protection Bureau ( CFPB ) can assist in addressing this matter. I opened an account with PayPal in XX/XX/XXXX, and prior to the XXXX pandemic, I had successfully utilized PayPal for numerous transactions without any complications. However, since setting up my company post-XXXX, I have encountered a series of problems that have severely impacted my ability to conduct business smoothly. As a seasonal company, we experience high transaction volumes during a specific period, spanning XXXX days from XXXX to XXXX each year. In order to accommodate this seasonality, I set my monthly transaction limit to {$50000.00}. To my dismay, after the first successful transaction in XX/XX/XXXX, my account has been repeatedly frozen for the past XXXX transactions. Despite providing all the necessary corporate credentials, including my XXXX number and banking information, I was informed by PayPal on XX/XX/XXXX, that " Once a client pays through Virtual Terminal, the merchant 's money would be held for up to XXXX business days. '' This sudden change in policy has placed an immense burden on my business operations. I have been unable to pay my drivers, and I currently have a line of clients eagerly awaiting my services for upcoming weddings and proms. The lack of a reliable payment processor has caused substantial inconvenience and financial loss to my business. What is particularly concerning is the lack of transparency on the Virtual Terminal itself regarding this policy change. Nowhere in the platform did I find any mention of each transaction being held for XXXX business days. Furthermore, PayPal continues to freeze transactions even when they are significantly below my designated monthly limit of {$50000.00}. In fact, the frozen transactions have amounted to less than 10 % of my maximum monthly transactions, which further highlights the arbitrary nature of their actions. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against PayPal. It is crucial to make other businesses aware of these unfair practices and the potential risks associated with using PayPal Business Virtual Terminal. I strongly urge the CFPB to publish my complaint to ensure that other merchants are informed about the hidden policies and potential disruptions that they may face when using PayPal. Moreover, I intend to report this issue to the Office of the Comptroller of the Currency ( OCC ) to ensure that this matter is investigated from multiple angles and appropriate measures are taken to rectify the situation. There are no evidence as the transactions were either held and show completed, and a XXXX time courtesy release was granted. I kindly request that you acknowledge the receipt of this complaint and provide me with updates on the progress of your investigation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to address this issue and protect the interests of small businesses like mine. Yours sincerely, XXXX XXXX XXXX [ | ||||||
| 11/27/2021 | Yes |
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| Paypal is trying to double bill me for the XXXX order and the XXXX XXXX XXXX order ( this order I never even received other than one shirt the XXXX shirt ) which is fraud!!! I want the account corrected and I want a full refund from them for the XXXX XXXX XXXX order then I want the account closed!!!! XXXX XXXX XXXX XXXX XXXX - negative {$230.00} XX/XX/XXXX Payment XXXX XXXXXXXX XXXX - negative {$230.00} XX/XX/XXXX Payment Loading transaction details for XXXX XXXXXXXX XXXX - negative {$230.00} XX/XX/XXXX Payment You reported a problem with this transaction. See the status of your case in the Resolution Center. Paid with XXXXXXXX XXXX XXXX {$230.00} on XX/XX/XXXX Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Transaction ID XXXX Seller info The XXXX XXXX XXXX http : XXXX XXXX Invoice ID XXXX Purchase details Purchase amount {$230.00} Total {$230.00} Print details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX negative {$120.00} XX/XX/XXXX Payment Loading transaction details for XXXX XXXX XXXX XXXX XXXX XXXX negative {$120.00} XX/XX/XXXX XXXX You reported a problem with this transaction. See the status of your case in the Resolution Center. Paid with XXXX XXXX XXXX {$120.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXXXXXX IL XXXXXXXX XXXX XXXX Transaction ID XXXX Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Invoice ID XXXX Purchase details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$19.00} XXXX T-Shirt - XXXX XXXX XXXX XXXX L ) {$29.00} XXXX XXXX XXXX T-shirt - XXXX {$24.00} XXXX XXXX T-shirt - Large {$29.00} Amount {$100.00} Shipping {$13.00} Tax {$11.00} Total {$120.00} Print details XXXX XXXX XXXX XXXX XXXX - negative {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - negative {$24.00} XX/XX/XXXX XXXX XXXX XXXX details for XXXX XXXX XXXX XXXX XXXX - negative {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX Transaction ID XXXX XXXX info XXXX XXXX XXXXXXXX XXXX XXXX XXXX http : XXXX XXXX Invoice ID XXXX Purchase details XXXX XXXX XXXX - XXXX XXXX - Poetry - XXXX {$5.00} Evangelization & Culture - Summer XXXX - Humor - XXXX {$5.00} Evangelization & Culture - Spring XXXX - " XXXX XXXX XXXX XXXXf XXXX XXXX XXXX '' - 1 {$5.00} Amount {$15.00} Shipping {$7.00} Tax {$2.00} Total {$24.00} Print details Need help? If there's a problem, make sure to contact the seller through PayPal by XX/XX/XXXX. You may be eligible for purchase protection. Report a problem Negative balance they show I owe on my account with them which is the XXXX order and the XXXX XXXX order that my bank shows were both paid in full to Paypal on XX/XX/XXXX. ( On top of them trying to commit fraud and double bill me, I never even received any of the items from the XXXX order except for the XXXX XXXX Tshirt ). Then when I filed my dispute and wanted to know why they show I have a balance when they already were paid by my bank and that I never even received the order they changed the dispute reason to saying the items were not as expected!!! Add money to resolve your negative balance. - $ XXXX Money Screen print from my bank account showing all was paid in full to paypal on XX/XX/XXXX XX/XX/XXXX ACH Withdrawal PAYPAL XXXX {$120.00} ACH XXXX PAYPAL XXXX {$120.00} Transaction Type External ACH Posted Date Mon, XX/XX/XXXX Print XX/XX/XXXX ACH Withdrawal PAYPAL XXXX {$230.00} ACH XXXX PAYPAL XXXX {$230.00} Transaction Type External ACH Posted Date Mon, XX/XX/XXXX Print | ||||||
| 08/03/2019 | Yes |
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| Dear Mr. XXXX XXXX CEO PayPal XXXX Prior to this situation we were a BIG fan of XXXX and PayPal. Not so much anymore!! We are very unhappy customers of PayPal and will NEVER use PayPal again and I will also be sharing this disgusting experience to many others through Social Media and personal contacts if some resolution cant be accomplished. Word of mouth is the worst type of spreading this information because as you know it runs like Wild Fire. If this does not bother you then you can stop right here and disregard this email. If you would like to hear about the problem my son and I encountered with your company PayPal and wish to try to reconcile and win our confidence and loyalty back then read on. We dont have to spread this negative situation thru Social Media, Friends, Relatives and EVERYONE ELSE. Its ALL in your hands We will be anxiously awaiting your reply and how you feel you can compensate and correct this negative dealing with PayPal See Details Below : XXXX XXXX listed XXXX XXXX on XXXX for a very aggressive price {$200.00} ( Item # XXXX ). Absolutely NO returns! The description explains the glasses. Within 1 week ( XX/XX/2019 ) a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX purchased them and asked NO questions regarding the glasses. The Buyer XXXX paid XXXX thru PayPal and THIS IS WHERE PROBLEM begins XXXX carefully packaged and shipped the glasses via XXXX the next day. We contacted PayPal and they held the payment for roughly 21 days because XXXX hadnt sold much on XXXX, which is still FINE. Buyer received within a few days and was happy with the glasses. A few more days passed and then customer becomes not so happy with the look of glasses on his face and wants to return them. Listing said NO RETURNS!!!!! I contacted XXXX 2 days ago and they side with us that there is nothing wrong with glasses and it says NO RETURNS! They tell us they are going to tell PayPal to release money. Money Never Released. XXXX suggested we call PayPal, which we did last night and I was appalled and horrified with the Customer Service of one of your Call Center Agents named XXXX ID # XXXX. She says Buyer has Filed a Claim and that the glasses were different then described in listing and that is absolutely FALSE. PayPal WILL NOT RELEASE my sons XXXX and that is horrible. My son is out Glasses and PayPal refuses to give us his XXXX. That is absolutely INSANITY. Your agent says that we should deal with the Buyer and he wants to return the glasses even though the listing says NO RETURNS. The Buyer is a XXXX Liar. The customer the Buyer is NOT ALWAYS RIGHT. Since all this took place I suggested my son let the Buyer return the glasses at his expense and reimburse us for shipping them to the Buyer as of last night even though listing says NOOOOOOOO RETURNS. We will have glasses inspected once return and if they have 1 scratch we will SUE not just them but PayPal should be held liable also Ive been in Business for many years and have never come across such horrible C/S and terrible handling of business. I would expect you XXXX as CEO of PayPal to step in and make this right for my son. My sons time and effort and frustration with this ridiculous Buyer inconsiderate and illiterate Buyer who cant read NO RETURNS, should be compensated buy PayPal the {$200.00} We will hold off blasting this out across Web and Social Media for 48 hours. That should give you plenty of time to decide and correct this issue. Thank you for your time and we hope to hear from you soon. XXXX XXXX and XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX | ||||||
| 01/20/2021 | Yes |
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Web | Older American |
| Unauthorized transactions in the PayPal account of XXXX XXXX On XX/XX/XXXX, my PayPal account was compromised ( hacked ) and a remittance of {$500.00}, charged to my XXXX XXXX card, was forwarded to the account of XXXX XXXX XX/XX/XXXX XXXX XXXX hereinafter referred to as XXXX, XX/XX/XXXX via XXXX I immediately advised PayPal of this development, laying out the full circumstances under which the compromise had occurred and in effect challenged the transaction. My communication clearly indicated that my services had been hacked and that any access to my accounts had been fraudulently achieved. PayPal acknowledged at XXXX on XXXX, that they had received my message regarding the money transfer which had been sent to PayPal on XX/XX/XXXX ; that a dispute was now open in the amount of {$500.00} ; and that the outcome of which would be decided as soon as possible. They further noted that I would be notified of the final decision no later than 90 days from the date I had created the dispute. Nevertheless, at XXXX on XX/XX/XXXX, I was advised that the investigation had been completed and was being denied ; the sum of {$500.00} had been transferred to XXXX on XXXX XXXX, XXXX and would be available to the recipient on or before XX/XX/XXXX. I have subsequently requested that this dispute be elevated to a claim and that PayPal take whatsoever measures they may deem appropriate to recover the funds that had been transferred since they were solicited or executed fraudulently, and no services had been rendered or requested as part of any alleged transaction. The transaction is identified in your records as XXXX and the dispute as Case ID : XXXX. XXXX. On XX/XX/XXXX, an identical transaction ( money transfer ) was placed on my account, this time chargeable to my recently opened PayPal credit card. I immediately advised PayPal that I had neither initiated nor authorized any such transfer of funds. I have since received notices from PayPal that, upon review my protest was being denied since the transaction was not unauthorized. I categorically deny that I initiated or authorized said transaction ; I have never contacted or been contacted by said company and hereby request that my dispute be elevated to a claim and that PayPal actively intervene in the cancellation and recovery of any such funds as may have been transferred to the above-mentioned entities. The transaction is listed ion your records as XXXX and the dispute as XXXX. XXXX. On XX/XX/XXXX, I became aware of a third remittance, this time to one XXXX XXXX via XXXX in the amount of {$330.00} which was processed through my PayPal credit. I immediately challenged this charge, one that I had not initiated nor authorized. I have no relationship whatsoever commercial or otherwise with the XXXX XXXX or XX/XX/XXXX Nevertheless, PayPal, rather swiftly, completed their review of said unauthorized activity and determined that there was no unauthorized use. The transaction is identified in PayPal records as XXXX and the dispute case as XXXX XXXX. With reference to all three of the cases, I hereby state categorically that I did not initiate nor authorize any of these transfers, nor am I acquainted or at any time had any relationship -- commercial or otherwise with any of these parties. Given my inability to contact or directly interact with the financial institutions involved, I am hereby formally filing a claim and requesting that PayPal, through their resources pursue efforts to cancel or otherwise correct these charges. XXXX XXXX XXXX XXXX XXXX Tel : XXXX. Cc : Consumer Protection Agency | ||||||
| 06/27/2023 | Yes |
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| I started an E-Bike Rental Business called XXXX XXXX XXXXand one of the pay options on my Website was PayPal. My first customer attempted to reserve a Bike using the PayPal Pay Portal on XX/XX/XXXX. I followed the PayPal online business setup and confirmation procedure and received a notification I was verified, but the {$20.00} deposit was in unclaimed status. On XX/XX/2023 I spent 3 hours on the phone with PayPal Support to see why I could not claim the {$20.00}, even being confirmed. By 2 PayPal Engineers that it looked like everything was completed to allow me to access the funds, and my business account had been verified and complete. They told me that within XXXX business hours, the issues should be resolved. On XX/XX/2023 the {$20.00} was still in the unclaimed status, and I was still unable to claim the funds so I again contacted PayPal who told me that I needed to complete the verification process. I explained that I was already verified as confirmed by 2 different PayPal Agents ( engineers ). I then asked to escalate this to a supervisor who confirmed my Business was verified, and that there was a bug affecting me and 75 other businesses preventing them from claiming unclaimed funds. This supervisor who identified herself as XXXX told me this bug would be resolved within XXXX hours. I told her I was concerned the funds would be returned to the customer as it stated clearly on the PayPal website that after 30 days, all unclaimed funds would be refunded back to the customer. I was informed that the {$20.00} in question would be flagged and it would not be refunded per this policy. She issued ticket number XXXX to track this bug to resolution. On XX/XX/2023 I again contacted PayPal because the {$20.00} funds were still unavailable in unclaimed status, and despite being reassured numerous times that the issue had been identified and actively being worked to be resolved, the {$20.00} were still unavailable to be claimed as promised several times. I then contacted PayPal again, on XX/XX/XXXX to reiterate my concern that the funds would be lost via refund due to the 30 day all funds in unclaimed stats for 30 days will be refunded to the customers credit card on file policy. Again, ai was reassured by a PayPal Agent that this would not transpire. Finally on Wednesday, XX/XX/XXXX, I received an auto- notification from PayPal that the {$20.00} had been returned to XXXX XXXX the customers ) credit card. I called PayPal on Friday, XX/XX/XXXX to voice my frustration of the deceptive communication and malfeasances in not resolving this issue prior to this unfortunate result, despite all my efforts in trying to avoid it. I was told by the PayPal Agent XXXX that nothing can be done and they refused to compensate me for the {$20.00} lost due to their direct control. I spent over 5 hours on the phone communicating with PayPal as described, and this practice would seem purposefully deceitful to delay any recourse in resolution in hopes it simply goes away. On XX/XX/XXXX, I received an auto email from PayPal that my account is now set up and ready to receive funds... They resolved the issue, but Too late, obviously. I understand {$20.00} is not a large sum of money, but it would seem that if this also happed to 75 other businesses as described on. XX/XX/2023 by PayPal Supervisor XXXX, that this unresolved bug would result in undue windfall for PayPal could be significant in the form of collected interest while these funds were in trust prior to refund or payout. Not to mention the inconvenience to all of these small businesses who had a similar experience. | ||||||
| 07/20/2015 | Yes |
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| XX/XX/XXXX I had used pay pal to purchase an item. I had added my credit card and made the purchase. The " seller '' of the item did not send the item in time and I emailed the " seller '' telling her I wanted to cancel it. The next day she sent the item to me anyway and told me that I would need to be a XXXX % stocking fee but that once I received the item, if I sent it back she would give me a refund minus the stocking fee. I was angry and I immediately called up my bank and told them to stop any transactions form this seller ( and even paid the fee ). I had assumed that she would n't be able to charge me anything. When I got the item I sent it back to her and I got an email from her a week later saying she sent me a refund. I was immediately confused .... I did n't understand how she sent me a refund, if I had blocked the transaction from my XXXX XXXX XXXX account. Come to find out that she sent the refund via pay pal. I immediately thought that maybe something went wrong with the transaction, when I searched pay pal for answers, I saw that the refund was listed as " gift money '' or money that I could obtain to be used toward anything. I did n't touch the money because I was confused about how I had this " extra '' money. I checked my XXXX XXXX XXXX and saw no changes in my account. I went back on Pay Pal and saw that I had a " XXXX balance ''. I assumed that this meant that the seller just made an error and issued a refund on an item that she never received money for. Months later, I keep getting emails from pay pal about " billing '' statements. I click and see that I have a XXXX balance STILL, and that I still have the partial refund from the seller sitting in the " account '' for use. So I assume that with the zero balance and with the refund money sitting as a " credit '' that the statements I 'm getting are really about the refund money, and not about an actual purchase. Then last week I got a call from a bill collector about Pay Pal Credit. I was immediately confused. I NEVER signed up for Pay Pal credit. I NEVER gave them my SSN. In fact when I signed up for Pay Pal to purchase the item XX/XX/XXXX, I only gave my credit card information, my address, full name, etc, an email address and asked to purchase the item with my XXXX XXXX XXXX account ( which I later deleted to keep the seller from charging it after I cancelled the item ). Yet I was STILL signed up for this service, given a credit line, and received no paper statements or any information about this account. The emails that I received and " statements '' always showed a XXXX payment due, XXXX balance, and XXXX " credit '' ( from the partial refund ). So I was NEVER given information that stated that I owed anything, and that there was a specific payment I needed to make. When the creditors called me and told me that I owed {$340.00} dollars and that it was past due. I was confused. Not only did I not sign up for this service, but in statements and on the account it showed XXXX payment due, and XXXX balance. Now I owe {$340.00}??? Half of this amount is late fees and interests. I 'm angry that I was illegally signed up for this service. That I was charged late fees, and interests on a purchase using an account that I never authorized. That I was never given descriptive statements that showed me late fees, interests, or balance owed. And that this is on my credit report despite me not giving permission or authorization. This is fraud. They signed me up without my permission. They sent vague " email '' statements. I 'm charged all this interests. This is illegal. | ||||||
| 03/28/2016 | Yes |
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| On Friday XXXX XXXX, 2016 ( evening hour ) while utilizing a mobile device, I attempted to make a purchase of a product ( Parrot Food ) from XXXX. Once the item had been selected and placed into the purchase cart, XXXX has XXXX methods to check out for the consumer to pay for the order and for XXXX to receive their payment. # 1. Using their payment gateway the consumer can enter and submit the necessary credit card information to pay for the goods if the credit card information is approved. # 2. PayPal or Bill Me Later ( now known as PayPal Credit ). I chose to utilize my PayPal account for the method of funding source to checkout to remit my payment. Since I chose PayPal I was given the option to log into my account using a web browser or the PayPal app on my phone I chose the app. Once I logged into my account I was given a page for the purchase amount and the method of payment was utilizing my PayPal account balance as the source of funding this payment. There was also a link which I could change the method of payment ( funding source ) which took me to the apps wallet. The only methods I could use for funding the payment was my PayPal balance or PayPal Credit. I could not choose any of other PayPal confirmed approved methods of payment ( funding source ), such as my attached checking account or multiple credit cards. I called PayPal and spoke with a Rep. XXXX who stated if there is a PayPal balance PayPal will automatically use the balance first to fund the payment and if the balance is not sufficient then another form of payment method will be presented to you in order to pay the remaining balance. XXXX also stated if I transfer my PayPal balance to my attached checking account I will then be able to utilize any of my confirmed methods of payment ( checking account or credit cards ) .as a funding source. ( Below is the section of PayPal 's User Agreement # 3. SENDING MONEY ) Personally, I do not think PayPal should have the legal right to force account holders to first use their PayPal balance as their chosen method of payment or funding source. As indicated in their Terms of Service it states ( If you have not selected a Preferred Payment Method, PayPal will fund your transaction in this order : ( see the order below ) My account does have a chosen pre-selected method of payment funding source as confirmed by PayPal Rep. XXXX who was called and confirmed this on XXXX/XXXX/16. All PayPal account holders should always be given the opportunity to chose any method of payment funding source which PayPal has verified and confirmed all financial accounts as the funding source prior to being used by account holders, such as checking account or credit cards which belonging to the account holders and have been previous vertified by PayPal as being a valid funding source in order to remit payments to persons or companies for goods or services, regardless if their side notations indicate ( *If you have a PayPal balance, we 'll use it first. ) This information controdicts their User Agreement ). XXXX PAYPAL USER AGREEMENT : # 3. ( SENDING MONEY ) 3.3 Default Payment Methods. When you make a payment, if you have not selected a Preferred Payment Method, PayPal will fund your transaction in this order : Balance Instant Transfer from your bank account PayPal Credit PayPal Cards Debit card Credit card eCheck *Note : If you do not want to use your Balance, you can withdraw it before making a payment. XXXX I will await for PayPal 's response to the information contained within this complaint and will respond to any further information if necessary. | ||||||
| 10/07/2020 | Yes |
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| I got approved for a Paypal Credit limit of {$3800.00}, I verified my identity as requested by Paypal, uploaded my driver 's license to approve use of the Paypal account. It was advertised on XXXX sites, and many other sites, to " use Paypal Credit for anything, offering 6 months financing no interest for any purchases ''. So I applied, got approved, and tried to make a simple purchase where Paypal is accepted, and I am unable to use Paypal Credit that I got approved for, it was a simple {$20.00} XXXX purchase. Spoke to Paypal rep, they keep saying that the automated system, may have detected a risk in your purchase and decided to block paypal credit as a payment method. I ask, " risk '' what risk? im making a simple small purchase, of {$20.00}, what risk is your flawed system detecting. Then im thinking its like a credit card company, that may need verification of identity or social security, and every single Paypal representative tells me, once security systems initiates a block, we can not remove it or override it, and we don't know how long the block will stay ''. I'm like how is that possible, every bank would have an override if we can determine there is an error or flaw. They said no, just wait and try the transaction again later, which I did after few days, still same issue. I kept asking how long do i have to wait to use the credit limit i was rightfully granted, they said we don't know. Im thinking, what XXXX system of theirs, detects {$20.00} purchase as risk. They have no right to detect risk, becuase the issuer of Paypal credit is XXXX XXXX, and they are holding the credit line, and they are assuming the risk, Paypal takes zero risk here, so what the XXXX are they talking about? Anyways long story short, no matter hwo long I wait I can never use my paypal credit for any site not even for {$1.00}, just lingering XXXX balance credit card I have. I have XXXX credit score, $ XXXX income, 6 other credit cards, and a house and over 18 years of credit history. Im pretty sure, my history of perfect on time paying credit history would be PROOF that there is no risk with my right to use my credit limit granted to me by XXXX XXXX. XXXX XXXX told me they cant do anything until Paypal system releases the block, which is determined by an automated system, that LITERALLY noone can defy, which is XXXX thing i've ever heard. Everyone knows, even machines can have flaws. There are pages and pages of this same issue with thousands of people, who got approved for paypal credit since 2017. You can read the Community forums of others having same UNLAWFUL issue. ( https : //www.paypal-community.com/t5/PayPal-Credit/PayPal-Credit-Not-working-for-anything/td-p/1179780 ) According to the Credit Cardholders Bill of Rights , no one can deny fairness of use of credit limit, meaning if i have {$3800.00} limit, i'm allowed to use the full {$3800.00} granted to me, it is the Bank that XXXX the risk, not the XXXX company Paypal, my credit history acts as proof that I am credit worthy to use the limit granted to me. the Bank and The Credit Bureaus determine the risk, not the subsidiary company such as Paypal, they clearly have a FLAWED automated system proven by me and many others. and this MUST be fixed. I believe you can take these community forums and research more of these unlawful issues, and I truly believe there can be a class action lawsuit brought against Paypal, for not providing a valid reason for blocking access to granted credit limit, making me have a hard credit inquiry dropping scor eby 4 points, and cant use it at all. EVER! | ||||||
| 12/10/2019 | Yes |
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| On XX/XX/2019 I sold Item # XXXX on XXXX. PayPal charged me the 2.9 % Commission on the Texas State Sales tax. The sale was for {$100.00} + {$8.00} for the shipping. Total {$110.00} X 2.9 % = {$3.00} + XXXX cent PayPal Fee = {$3.00}. This was the amount I should be charged by PayPal based on the Agreement. But PayPal charged me {$3.00}. The Sales tax XXXX Collected to remit to the State of Texas was {$9.00} multiplied by 2.9 % = XXXX cents. The correct Commission of {$3.00} plus the PayPal Commission on Sales Tax of XXXX would Come to the {$3.00} PayPal erroneously collected from me. PayPal also collected commissions on Sales Tax from my sale of XX/XX/2019 Item # XXXX short changing me another {$2.00} ... the theft and unlawfulness of PayPal is now adding up. I contacted XXXX they passed the buck to PayPal who passed the buck to XXXX who passed the buck to PayPal then back to XXXX then back to PayPal. And so on. Last I talked to a Paypal Supervisor named XXXX on XX/XX/XXXX, XXXX he refuse to be held accountable nor research for correctness, and would not give me his full name. I asked him to identify himself by number or some other method ; XXXX said his Employee Number was XXXX. PayPal Supervisor XXXX stated PayPal does not collect the sales tax nor does PayPal transmit the sales tax money to the states. He said they were told by XXXX to collect the 2.9 % PayPal Commission on the Sales Tax to enhance PayPal 's year end profits and monthly bottom line ; thereby cheating those who sell on XXXX out of money that PayPal is not entitled to by their contract and Transmitter Licenses with the individual states. On XX/XX/2019 I sent two e-mails to PayPal 's Attorney XXXX XXXX at his address XXXX as he had indicated PayPal is a Money Transmitter not a Bank and that PayPal has a New York State License as a Money Transmitter and is not subject to Federal or State Banking Laws. PayPal also has Money Transmitter Licenses with other states. I explained that XXXX collects the individual State Sales Tax and Transmits the Sales Tax to the individual States. I also told him that PayPal Supervisor XXXX confirmed that PayPal does not take possession of any Sales Tax Money, nor do they Transmit any Sales Tax Money. I also sent Paypal attorney the XXXX Policy that they XXXX collect and Transmit the individual State Sales Tax. PayPal attorney did not respond, so I called PayPal 's Attorney on his telephone at ( XXXX ) XXXX and left him a couple of detailed messages on the new PayPal Theft Policy and Violation of it's individual state Money Transmitter Licenses of Collecting the 2.9 % Commission on Sales Tax that it never collects nor transmits ; he never responded. On XX/XX/2019 I sold another item on XXXX ; PayPal again collected and additional {$2.00} from me as they had charged me the PayPal 2.9 % Commission on State Sales Tax from Kentucky that they never collected nor transmitted to Kentucky ( XXXX Collects and Transmits the individual state Sales Taxes per their policy and rules and the law ). The money PayPal is erroneously taking is adding up now and PayPal and XXXX continue giving me and other XXXX and PayPal customers the runaround as they enrich themselves by violating their Customer Agreements and State Money Transmitter Licenses. See XXXX Sales Tax Policy and Agreement : " Tax policy Based on applicable tax laws, XXXX will calculate, collect, and remit sales tax on behalf of sellers for items shipped to customers in certain states. For a complete list of states please see our Taxes and import charges page. Taxes and import charges '' | ||||||
| 07/19/2020 | Yes |
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| On XX/XX/2020, someone accessed my Paypal account and made repeated withdrawals from my balance and by transfering money from my bank account into the Paypal account. Below, I will list each transaction number and amount. On XX/XX/2020, I reported this to Paypal, in a message of course, since they will not answer any calls. I explained there was only XXXX transaction for the entire month of XXXX that was not a fraudulent charge. I tried to follow the instructions on the website for reporting each transaction but the website would not allow me to do what the instructions said. Since XX/XX/2020, I have had every one of my the cases that were opened closed and currently, there has been nothing handled on any of the transactions except the one valid transaction, which was on XX/XX/2020 when my Mom, XXXX XXXX, sent me {$160.00}. They refunded the {$160.00} to my Mom. I have done everything I can to resolve this. Every time they close a case, it is not longer visable and I can not even get a case number to tell them what case was closed. At least the last time I was smarter and saved it when I first received a reply. I will also list it below. In every message, they say to allow 10 days. Once it is closed, you have to start over and that gives them another 10 days. I had fees to pay for college and am supposed to graduate in a week but now I have no money to pay my bill and will not be able to get my transcripts or receive my degree until long after everyone else does. I have a job offer but without my transcripts, they have to move on to another person. Here is the information for transactions that are not mine : XX/XX/2020 XXXX {$360.00} transfer from my bank account XX/XX/2020 XXXX {$90.00} Instant transfer using card XX/XX/2020 XXXX {$50.00} Instant transfer using card XX/XX/2020 XXXX {$45.00} Instant transfer using card XX/XX/2020 XXXX {$35.00} Instant transfer using card XX/XX/2020 XXXX {$32.00} Instant transfer using card XX/XX/2020 XXXX {$31.00} Instant transfer using card XX/XX/2020 XXXX {$29.00} Instant transfer using card XX/XX/2020 XXXX {$23.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$4.00} Instant transfer using card XX/XX/2020 XXXX {$23.00} Instant transfer using card XX/XX/2020 XXXX {$400.00} transfer from my bank account XX/XX/2020 XXXX {$31.00} Instant transfer using card XX/XX/2020 XXXX {$30.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$20.00} Instant transfer using card XX/XX/2020 XXXX {$14.00} Instant transfer using card XX/XX/2020 XXXX {$150.00} Instant transfer using card XX/XX/2020 XXXX {$100.00} Instant transfer using card XX/XX/2020 XXXX {$150.00} Instant transfer using card XX/XX/2020 XXXX {$430.00} Money received XX/XX/2020 XXXX {$200.00} Instant transfer using card XX/XX/2020 XXXX {$230.00} Instant transfer using card Reference # for case closed without resolving : XXXX The last message I got from PayPal said they did not think that any of the transactions were fraudulent and they thought that all of these were mine. I have spent hours trying to contact them with information. I have asked for supervisor to call me and actually had a reply from them at one point saying to leave my telephone line open for the next 24 to 72 hours so someone could call me. I need help resolving this. My email address is XXXX and this is what I was told is used for account numbers or to identify my account. Please let me know if you have any other questions. | ||||||
| 01/14/2016 | Yes |
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| I purchased an item via my paycard XXXX XXXX. I had to return it to the vendor. Little did I know it was through XXXX vendors, Ebay, and Pay Pal. Even though my bank shows the vendor returned my money, the money is held in Pay Pal. Ebay does nothing but got rid of my returned item. Over 3 hours on the phone since XXXX XXXX trying to get my credit back to my card. Pay Pal reps laughed at me when I advised I do n't have the a bank account or a way to cash a check and XXXX of my friends said XXXX no they quit using pay pal because of hacking, issues, and keeping their money. The top tier supervisor offered me to use pay pal funds by going to XXXX XXXX and XXXX XXXX XXXX. I told that guy I have no kids so I wo n't be going to XXXX XXXX XXXX and I have no use to go to XXXX XXXX. I repeated XXXX times I do n't have a bank and no way to cash a return check and that i was not interested in their buy to selected vendors they were offering. I needed my money back to my original paycard account as they promised but never delivered. They lied about it and never intended to so for 3 days I waited. When no credit I called back and some of their answers were " oh, we did n't have your street address ; oh, it shows resolved ; oh it shows you ca n't go back to your original card because your card is a STAR card. I called my paycard banking institution and they stated they are NOT a STAR card. I called Pay Pal back and I got the same run around. After that they locked me out of my account for 4 hours. I had to call from XXXX to XXXX several times and they told me my email address was never verified. That was also a lie. How else would I have ever been on the site in the first place. They made me go through tight security questions to answer in order to get back into pay pal so I could see my account. These fraudsters made me answer very personal questions they stated was public knowledge. And the fact is I already completed entirely different security questions of my own. I had to answer questions that were not even true. They stated I had lived with my sister-in-law is a specific zip code. Again lies. All lies for you not to get into your account. I finally was able to answer a set of security questions of my very private life ( that they had that was NOT just public record ). I got into my account and scheduled a check that stated would be approximately 2 weeks for delivery. AGAIN MY MONEY they are playing with. They also made me pay a fee of {$1.00} ( which they said {$1.00} ) and now I have to pay a fee of my own money to cash the check when it ( if it ) arrives in two weeks. I was also emailing ebay and the vendor. They all pointed fingers at each other and blamed each other just as such as fraudsters do. I told them I would report them to the FTC and FCC and they said GO AHEAD. I in no way upon purchasing my item agreed if you have a return it goes to pay pal. They should make the customer aware before purchasing that if you return an item then your funds will be placed in pay pal and you will have to transfer to a bank. if you have no bank or way to retrieve your cash this is not the best payment method for you. SHOP SOMEWHERE ELSE. But by time the class action lawsuit occurs we may get XXXX cents. The corruption must stop and the harassment must stop. They are using XXXX techniques on the common good and trust of a customer. I hope they get the karma they deserve. Shame on EBAY for being a part of it. I will never use any of those services again and I will pass the word on to everyone I know. NEVER EVER USE PAY PAL OR EBAY OR YOU WILL GET XXXX. | ||||||
| 05/29/2019 | Yes |
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| On Saturday XXXX XXXX, 2019 I noticed unusual and unauthorized deductions from my XXXX XXXX XXXX Checking account made by Venmo. Immediately after finding this unauthorized transaction I logged into my Venmo account and saw a total of two transactions that I never made or authorized. One amounting in {$840.00} for " Clothes '' and another for {$370.00} for " Drywall '' made to a person by the user name of XXXX XXXX. I have never spoken, contacted, made transactions or communicated with this person in any way and NEVER authorized either of these transactions. I also did not receive any notification from Venmo that this activity was happening on my account. Any time that I use Venmo I receive an email that states the activity and details within minutes of processing. I did not receive that in this incident. In fear that my linked XXXX XXXX XXXX checking account and other linked cards had been compromised, I immediately deleted all linked accounts from my Venmo account. I then tried to call Venmo to report the fraud and unauthorized payment but it was a Saturday and their support lines were closed. I then called XXXX XXXXXXXX XXXX and spoke to one of their representatives that unfortunately was also unable to assist with fraud incidences since it was not normal business hours. I finally spoke with my bank first thing Monday morning, XXXX XXXX, 2019. They were unable to stop the first payment of {$840.00} as it had already posted to my checking account but they were able to stop payment of the second unauthorized payment of {$370.00}. Since they were unable to stop the already posted payment, they opened a claim and investigation on that payment. On XXXX XXXX, 2019 I received an email from Venmo stating that my bank stopped the payment of {$370.00} in addition the email stated " Don't worry, we covered you and XXXX XXXX has the funds. However, you now owe Venmo {$370.00}. '' I immediately called Venmo 's customer service line to report that I was actually the reason my bank stopped the payment and that my account with Venmo has been compromised. They then put a freeze on my account and told me that they would conduct an investigation. On XXXX XXXX, 2019 at XXXX ET, XXXX XXXX from Venmo sent me an email following letting me know that they received my claim for the two transactions and will begin investigating once I provide additional information. They asked several questions within the email which I promptly responded to providing as much detail as possible. Today, XXXX XXXX, 2019 at XXXX ET Venmo sent me another email similar to the previous stating that the transaction of {$840.00} to XXXX XXXX could not be funded because of the following reason from bank " Customer advises not authorized ( SEC consumer codes except XXXX XXXX XXXX XXXX XXXX, XXXX ) ''. They again told me that they already provided the funds to XXXX XXXX and that I now owe Venmo a total of {$1200.00}. If the money was already posted and withdrawn from my account how do I still owe Venmo? Additionally at XXXX ET, XXXX XXXX from Venmo sent me another email stating that their investigation has closed and they did not find evidence of unauthorized payment. Less than 24 hours of investigation time? What are the criteria and circumstances for investigating fraud and unauthorized payments? For these reasons I have strong reason to believe that Venmo did not do their due diligence to 1. Notify me of sketchy account activity, 2. a thorough and ethical investigation to provide a reason for this happening. I feel like Venmo is scamming me and defrauding me for money. | ||||||
| 08/07/2023 | Yes |
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| Dear Sir ir Madam, I hope this letter finds you well. I am writing to lodge a formal complaint against XXXX, a service by PayPal, in relation to a recent transaction that has caused significant inconvenience and distress. On XXXX XX/XX/2023, I initiated a transaction through XXXX, transferring {$6500.00} USD from my bank account in the United States to my XXXX XXXX graduate school tuition fee account in the XXXX XXXX. The transaction was carried out using XXXX XXXX services, with the Transaction ID for the transfer being XXXX. Unfortunately, even after almost one month since initiating the transaction, my XXXX XXXX tuition fee account has not been credited with the stated amount. I have made numerous attempts to contact XXXXXXXX XXXX customer support to inquire about the status of the transaction and request a refund. However, their responses have been evasive and unsatisfactory. According to their representatives, the delay in processing the refund is attributed to issues with a third-party provider, but they have failed to provide any concrete timeline for resolution. They will not honor their refund policy, as listed on the website, and have no consumer protections in place for when situations like this occur. They promised a full refund in case of problems with transfer, but each time we try to collect on this policy, we are told that it's not possible to receive any money back. As a financial institution headquartered in the United States, this feels very unprofessional and unacceptable on their part. They can not tell us where our money is, even after almost 1 month. We initially tried reaching out to PayPal, since XXXX is advertised as a PayPal service, and both share overlapping customer service centers. However, PayPal said their hands were tied. We have tried everything from reaching out to our banks to calling and emailing XXXXXXXX XXXX various customer service departments. We have found ourselves consistently helpless in this situation. We have called almost every day since the initial transfer, which was promised to take no more than XXXX hours. Almost daily we are lied to about estimated times of when a fix will occur. This delay has caused significant financial strain as my XXXX XXXX tuition payment deadline has passed and his university accounts have been completely frozen. We are now left with limited options to ensure his continued enrollment, and have even had to take out loans to cover what XXXX won't release. The lack of transparency and failure to provide timely support from XXXX have exacerbated the stress and uncertainty surrounding this matter. I kindly request the following actions to be taken in response to XXXXXXXX XXXX lack of professionality, transparency, and suspected fraud : 1. An immediate refund of the full amount of {$6500.00} USD back to my account. I believe that, as a reputable financial service, XXXX should prioritize customer satisfaction and promptly resolve issues of this nature. My attempts to communicate with their customer support have been met with inadequate responses, leaving me with no choice but to seek assistance from the Consumer Financial Protection Bureau. I kindly request the Consumer Financial Protection Bureau to investigate this matter and work towards a speedy resolution. Please find attached all relevant documentation, including transaction details ( Transaction ID : XXXX ) and communication with XXXXXXXX XXXX customer support. Thank you for your attention to this matter. I look forward to a timely and satisfactory resolution to my complaint. | ||||||
| 08/16/2022 | Yes |
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Web | Servicemember |
| I opened a Venmo account to pay someone for yard work. I linked and verified my bank account but received an error message every time I tried to make the payment. I made numerous calls to Venmo over several days to get the problem resolved. The customer service representatives told me repeatedly that I should keep trying and it would work. It never did. And then they froze my account. I called again and was told that a frozen account requires an account specialist and that one would get back to me in 5-7 days. Then they sent me an email request, saying that they needed me to upload a government issued photo ID. I refused. I tried to close the account XX/XX/XXXX and received a message, stating that I needed assistance to close my account. I called again and requested that my bank information be deleted and the account be closed. I was told that I would need to have an account specialist close it, since my account is frozen, which would take 5-7 days. I told the rep that I would be filing a complaint with the XXXX if this wasnt resolved that day. She said she couldnt help me and suggested I reply to the email that had the photo ID request and say that I want the account closed. I did but there was no response. This is a terrible way to conduct a business and I think the request for photo ID is shady. Ive used XXXX and PayPal and neither require photo ID. I submitted a complaint to the XXXX on XX/XX/XXXX and they contacted the company. Venmo has not responded. Ive requested numerous times via email and phone to close the account. Instead of doing so, they just keep responding to my initial request to unfreeze the account. Recently, when Ive tried to contact them, after verifying my account by my phone number, they disconnect me after a lengthy hold time. Although I've requested several times that they close my account, since they've frozen it and won't let me close it myself, they won't. Now, in addition to the request for a copy of my drivers license, they want a copy of my bank statement. I will not be providing either, as I don't want to use Venmo, I just want the account closed. Here is the message I received last night ( XX/XX/XXXX ) from Venmo : Thank you for contacting us. Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the Bank ending with XXXX. You can find our Document Upload Form here : ( link deleted ) ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name. If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. We appreciate your cooperation and look forward to hearing back from you. Regards, XXXX XXXX XXXX Venmo | ||||||
| 06/19/2016 | Yes |
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| On XXXX/XXXX/16, I sold XXXX wristbands on eBay for the XXXX XXXX XXXX XXXX XXXX, scheduled for XX/XX/XXXX-XX/XX/2016. In my eBay post to sell the wristbands, I said, " This is for XXXX unregistered wristbands and a free day parking pass. '' Following the end of the auction, I shipped both wristbands faster than I promised ( two days instead of seven ) to the buyer via XXXX. I messaged the buyer first via eBay and then her personal email to watch for the package to arrive so she could sign for it. She indicated she was at the XXXX XXXX and would n't be home for another week. The buyer requested XXXX redirect the wristbands to another XXXX office, presumably closer to her. The wristbands sat at that office for nine days without the buyer picking them up. Five days before the start of the festival, XXXX delivered the wristbands back to the original XXXX office. On XXXX/XXXX/16 - two days before the start of the festival - I spoke with eBay customer service, inquiring if and when I would be paid. PayPal was holding the money the buyer paid, and the buyer was n't picking up the wristbands. On XXXX/XXXX/16, the buyer 's funds were released to my PayPal account. One day prior to the opening of the festival, on XXXX/XXXX/16, the buyer picked up the wristbands at the original XXXX office. On XXXX/XXXX/16, the opening day of the festival, I happened to check my email around XXXX. The buyer had emailed me at XXXX. saying she could not get into the festival : " I 'm at bonnaroo and they say the bands do n't work, like they 've been reported stolen. Can you send proof of purchase? We drove from Nebraska and are at the gate excited to get in. '' I had not reported the wristbands as lost or stolen. My guess is the buyer had not registered the wristbands, which is required by the festival for entry. Just 30 minutes after sending her first email, I received an email from PayPal saying the dispute had been escalated to a claim because the items were " not as described. '' I was unaware there was even a dispute. As requested by the buyer, I forwarded my receipt of original purchase, asked if she had registered the wristbands, and included XXXX 's instructions for doing so. Per their request in the claim, I immediately uploaded everything I had to PayPal regarding this transaction. On XXXX/XXXX/16, I called PayPal and asked about the status of the case, as the festival had ended the previous day. I was told I would be contacted if PayPal needed additional information. On the morning of XXXX/XXXX/16, I awoke to discover via email that the case had been decided in favor of the buyer, the case was closed, and {$740.00} had been debited from my PayPal account. PayPal did not tell me why they had ruled in the buyer 's favor. They did not provide me with proof that the items I shipped were " not as described '' as claimed. They also did not provide me with proof that the buyer was unable to eventually enter the festival with the wristbands I provided. I contacted PayPal via phone on XXXX/XXXX/16 and spoke with a dispute supervisor. He reviewed the case and said PayPal could not overturn their decision. He did not tell me why. I called eBay on XXXX/XXXX/16 and spoke with someone who identified himself as a supervisor. He said since the buyer had filed the claim through PayPal, there was nothing eBay could do to refund my money. Now, I have neither the wristbands nor the money. It 's a perfect scam : The buyer went to a four-day music festival for free. PayPal and eBay have absolutely no protection for sellers, despite their claims otherwise. | ||||||
| 10/17/2016 | Yes |
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| In XX/XX/2016 I began making payments under what Paypal Credit called a " catch-up program '' to help me bring my XXXX account ( also managed by PayPal Credit ) under control after approximately 4 months of missed payments. These missed payments coincided with the loss of my previous job and failure to secure employment of equal worth, and my hard-fought efforts to save and work enough to pay my debts afterwards. I remained in contact with XXXX/PayPal Credit throughout this process, advising them on my financial situation as I tried to remediate it. According to PayPal Credit, completing this 3-month program would involve making " higher payments '' for 3 months in return for wiping out the late fees on my account, re-aging it, bringing it current, and entitle me to a guaranteed lower rate at the end of it. I was told I would not be charged late fees during the program so long as I paid the amount agreed to, on-time, each month. 3 months and 3 early payments later, I was finished with the program - and my monthly payment jumped up {$20.00} from previous, plan rate. When I examined my statement, I found they had been charging me interest for every month I had been doing the plan, that no previous late charges had dropped off, and, finally, that nearly a year ago PayPal had not properly applied a {$540.00} debit, and a separate {$88.00} debit, to my account that would have significantly lowered my liability to the credit line if applied correctly at the time. ( I had not to this point realized it, because the debit was generated from a credit that was part of a promotion for a year interest-free. It did n't have any effect on my account until this promotion ran out. ) I contacted PayPal Credit about this and we began the dispute process. That was approximately two months ago. Since then, I have had a miserable time attempting to get any resolution or motion from PayPal Credit. I have constantly been hounded by them for payments despite being told, every time I called in, and every time I successfully identified myself, that my account was in " pending '' status for review from the " back office. '' When my account finally came off " pending '' status, they had not done anything they promised, addressed the missing debit, or removed any of the promised fees. At this point I began working directly with XXXX, a PayPal Credit collection supervisor. He was promised as a single point of contact who would resolve all the outstanding issues on the account. Together, we sought out the exact transaction details for the missing debits. We tracked them down to the issuers and verified that one of the charges had not been correctly applied to my account. ( The other was denied to be an error by the company involved. They have also not returned my calls. ) This has been a constant headache. I have been harassed at all hours, constantly, by agents who then bashfully admit that they do n't know why I was called. Every time I call in, it 's 30 minutes to an hour of wasted time unable to contact anyone who can assist me. PayPal Credit 's " Bill Me Later '' has acted deceptively and refuses to honor the promises they have made. They have charged me late fees for payments made early under their 'recovery ' program and refused to abide by the terms of that program. They have refused to correct their records and continue to assign interest and fees to the account while refusing to take my calls to correct their errors. I am utterly disgusted by the level of disingenuity they have displayed throughout this process. | ||||||
| 11/25/2020 | Yes |
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| I have an account with PayPal. I signed up for PayPal as they promised that my online purchases would be safer and more secure using them rather than sharing credit card information on various internet sites. I had them linked to my bank, and I also kept a separate balance in my PayPal account since I sometimes used the PayPal debit card to complete my purchases. On or around XX/XX/2020, I tried to place an order online using the said card, which was declined. This appeared odd to me since I knew that there was close to {$200.00} in the account itself last I had checked. I looked at my billing and found at least XXXX fraudulent charges on my XXXX account, linked to my Paypal account. I called XXXX immediately to report these false transactions on XX/XX/2020. On XX/XX/2020, I received an email from XXXX, denying all of my disputes. Oddly enough, though, they had refunded one of these transactions. I then called PayPal to dispute these same items since I believed it was their job to protect consumers against fraud, and they could dispute the charges with XXXX. They took less than 24 hours to deny these same claims as being " ineligible '' for a refund because I had a billing agreement with XXXX. Thus, no investigation was performed. As one representative told me after I expressed my belief that " fraudulent charges '' were not covered in my agreement with either XXXX or PayPal, " it's your own fault for connecting your XXXX account to PayPal. '' My understanding was that Paypal strongly encourages you to do just that. In any case, after denials by both companies ( and no reason at all given by XXXX XXXX, I looked at my XXXX billing statement and found evidence to the contrary. Every dispute, including some matters I had not disputed at all, were shown as refunded. I took screenshots of every transaction, attached below, and sent these to XXXX and Paypal. XXXX promised me they would get to the bottom of the issue and figure out what was going on. Finally, today, XX/XX/XXXX, I received a phone call from XXXX, letting me know the exact problem and Paypal 's fault. XXXX, in fact, HAD slated these items for a refund. But, because I went to Paypal, which apparently was a mistake, they were waiting for Paypal to file disputes on these items. They never did since they had already decided that the billing agreement trumped everything else and had never placed a claim with Paypal. My understanding of Paypal is that they are only a fiduciary and are supposed to dispute items for me, not perform their own internal examination and decide my claim was not worthy of being disputed. The current state of the issue is this : ( a ) XXXX is ready to refund my money but needs Paypal to dispute the items ; ( b ) Paypal refuses to dispute the items after deciding that they were not covered and thus, will not contact XXXX ; ( c ) Paypal is supposed to allow customers to escalate their disputes into claims if the dispute is filed within 15 days of the charge. I tried to escalate my dispute, but PayPal closed my dispute, giving me absolutely no way to escalate, re-dispute, etc. I wish I had never gone to Paypal initially, but XXXX did not exactly help by immediately denying the claims without reason. All I know is that I'm currently XXXX and really could use the {$130.00} back that XXXX agrees is owed to me. How is PayPal, serving as a fiduciary, only, and allegedly " on my side, '' get to decide whether or not they will investigate fraud? I have no idea how to handle this situation other than filing a suit against both companies. | ||||||
| 08/03/2017 | Yes |
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Web | Servicemember |
| I had bought an item on XXXX and paid thru from PayPal, When I looked at my account, I was over charged as you will see below. Incorrect transaction amount Case ID : XXXX We 're reviewing your case and will get back to you soon. You reported that you were billed the wrong amount. We 've issued a provisional credit of {$6.00} USD to your original payment method. This credit could be withdrawn, if your case is denied later. In case, the reversal is done from your Paypal account, the balance could go negative if funds are insufficient. View case history Case details Seller information XXXX XXXXXXXXXXXX Transaction amount {$7.00} USD Transaction ID XXXX Date reported XX/XX/XXXX Your comments I used {$6.00} of XXXX bucks to lower this price to {$1.00} but noticed that I was charged the full amount. I want my {$6.00} back. File ( 11 unread ) - XXXXXXXXXXXX Additional info Correct amount {$1.00} USD Your responses Date responded XX/XX/XXXX Your comments You sent a payment of {$1.00} USD to XXXX ( XXXXXXXXXXXX ) Thanks for using PayPal. To see all the transaction details, log in to your PayPal account. It may take a few moments for this transaction to appear in your account. Seller XXXX XXXXXXXXXXXX Note to seller You have n't included a note. Shipping address - confirmed XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States Shipping details The seller hasnt provided any shipping details yet. Description Unit price Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX Printer XXXX XXXX XXXX XXXX Item # XXXX {$7.00} USD 1 {$7.00} USD Shipping and handling {$0.00} USD Insurance - not offered -- -- Other discounts - {$6.00} USD Total {$1.00} USD Payment {$1.00} US I used my XXXX bucks to help pay for this. File ebay dispute.pdf I have filed a complaint with PayPal on this matter. Now it has been almost a month and still they do nothing about it. Here is the charge from XXXX that was to be done. I used my XXXX bucks that I earned by buying goods and this will show. paypal XX/XX/XXXX XXXX PDT Transaction ID : XXXX Hello XXXX XXXX XXXX, You sent a payment of {$1.00} USD to XXXX ( XXXXXXXXXXXX ) Thanks for using PayPal. To see all the transaction details, log in to your PayPal account. It may take a few moments for this transaction to appear in your account. Seller XXXX XXXXXXXXXXXX Note to seller You have n't included a note. Shipping address - confirmed XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States Shipping details The seller hasnt provided any shipping details yet. Description Unit price Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX Printer XXXX XXXX XXXX XXXX Item # XXXX {$7.00} USD 1 {$7.00} USD Shipping and handling {$0.00} USD Insurance - not offered -- -- Other discounts - {$6.00} USD Total {$1.00} USD Payment {$1.00} USD Payment sent to XXXXXXXXXXXX Issues with this transaction? You have 180 days from the date of the transaction to open a dispute in the Resolution Center. Questions? Go to the Help Center at : www.paypal.com/help. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page. You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings. Copyright XX/XX/XXXX-XX/XX/XXXXPayPal, Inc. All rights as you see I was charged the full {$7.00} instead of the {$1.00} that was to be charged. PayPal is stealing from consumers and something needs to be done about it. | ||||||
| 07/17/2020 | Yes |
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| My PayPal account was opened in XXXX, in order to make online purchases. My father opened the account for me, in the hopes that he could transfer money to it that I could then use for online payments for games and such. I was about XXXX or XXXX when my account was opened. I don't remember using it much until XXXX when I was about XXXX. During this time I was using PayPal as a way to receive money for my current XXXX endeavor ; XXXX XXXX. I would charge a small fee from clients in exchange for a commissioned piece, and they would pay ( most of the time ) through the " goods and services '' option, that PayPal takes a fee from in exchange for protection. I never once sent this money to my bank account as I didn't have one during this time, and I only used my PayPal wallet for online purchases. A little bit of time passes, and at some point ( if I remember correctly late XXXX or XXXX ) I uploaded my ID and debit card information when I had opened my bank account in hopes of transferring the small amount of money that I had there. Unfortunately, I didn't consider that PayPal would then permanently limit my account, and prevent me from ever accessing it again. This was a shock to me, and I initially tried what I could to resolve this, but according to their customer service, because I had created my account when I was under XXXX ( despite having my parents assist me ) I could now no longer use their service, and could never use it in the future. After this, my next idea was to close my account. I had uploaded my debit card, but because I had such a small amount of money in my account ( < {$1.00} ) I could not remove it. I then tried adding my bank information to get around this, however they ALSO would not let me remove money from my account, and now they have a my bank information permanently stored ( which in my eyes, is a major security risk considering I'm not even using their service ). In fact, the only way to get out the money from my account would be via check, which requires me to pay THEM a fee. Needless to say I didn't go down this route of an obvious scam. I'd like to clarify, that yes, their user agreement states accounts made while under XXXX can not be used, and my failure to acknowledge this when I was XXXX or XXXX is, as ridiculous as it may sound, my fault. However, while using their service, I ended up paying them money in " protection fees, '' or wherever else they felt they needed to take a cut from my deposits and withdrawals. Even AFTER they limited my account permanently, they never refunded the money that they made off of a MINOR. It's clear that they only care about keeping children safe and being responsible when they are at risk of legal action, such as when a user uploads a document to their servers declaring them as a minor. These practices are extremely consumer unfriendly, and they should completely allow users who made accounts while under XXXX to close them and start over. Now I am XXXX XXXX XXXX, and have not been able to use PayPal for years. This has been a major blow to me, as I am now unable to offer PayPal as a payment method for my XXXX, greatly reducing XXXX. I also, as mentioned earlier, now have personal financial information stored with a PRIVATE institution, whose security I must rely on despite not actually using their service. For my future careers, goals, businesses, I need access to PayPal again, and it's not fair that they are able to hold my data, and my account hostage, for a failure to acknowledge their user agreement that no longer is relevant to me. | ||||||
| 01/26/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I contacted Venmo to report several unauthorized transactions. I was in the hospital and someone had gotten a hold of my Venmo card and tablet, which had the Venmo app installed. They took over {$350.00}. Venmo quickly XXXX the card, froze the account, and proceeded to recover all of the money that was taken from me. Unfortunately, they never did unfreeze the account, despite every on my part to provide them with the information they requested, at least twice, in many case, multiple times. I was XXXX from the hospital on XX/XX/XXXX, at which time my account was still frozen. That money was needed to cover my rent and the administrative fees of an appeal. As a result of not having access to those funds, I became homeless and at risk of losing my appeal due to non-payment. I wasn't able to sleep for XXXX days because I had nowhere to go. I sat in a XXXX XXXX at night to stay warm. I couldn't work because I was too busy trying to find a place to sleep. As I said, I just got out of the hospital, where I had been for XXXX weeks with XXXX and XXXX, so you hopefully see why staying outside all night wasn't an option. That, and I'm a woman. I told Venmo every single day what I was going through because they weren't release my funds, but it did not seem to matter to the people who handled the freezing of an account. Every single day they would ask for something else, and it usually something I had already given them, such as my ID, Part of the problem is that you can't speak to the group that handles this directly, nor can customer service agents who do talk to customers. You have to wait for them to contact you. That was bad enough, but then it was always someone different, and it didn't appear that they went back and read the history to see that they asking for something that I had provided. To demonstrate how ridiculous this has become, they told me that my account was unfrozen so I tried to transfer some of the money out, but I got the same error I was getting before. So I tried to add another debit card to see if it would work with that, but it didn't. The next day the latest Venmo person in that department contacted me and said that I had provide XXXX months worth of bank statements that included the last XXXX of the card I just tired to add. I had already provided the statement for this account and I didn't have XXXX months worth, I had just opened this account in XXXX. Finally, none of my banks put debit card numbers on their statements. The customer service agent told me that he wasn't telling me to send a picture of my debit card that shows the bank and the last digits of the card. That's exactly what he was telling me to do, and I did that too. The next day I tried to do a bank transfer, based on what they told me. They said that instant transfers didn't always work and I should try the bank transfer. But it failed too, and once again they're asking for a statement from that bank. I provided the statement but now it's saying my account has been suspended. I did everything they asked me to do, multiple times in many cases, I don't understand why they didn't unfreeze my account or why my account would now be suspended when I was only doing what they instructed me to do. I've been homeless and unemployed since XX/XX/2023. I had no problem with them freezing my account at first, but there's no reason it should have taken as long as it has. If they would have just provided me with a list of things that they needed the first time around, I would have provided them. | ||||||
| 12/05/2022 | Yes |
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| On XX/XX/XXXX a user sent {$25.00} that was owed to me using the Venmo platform. On XX/XX/XXXX I received an email notification that this transaction was disputed with the sender 's bank and my account went negative and was frozen. - I called Venmo to ask why they would reverse it when they have the evidence that it was a legitimate transaction. - The Venmo telephone operator acknowledged that it was a legitimate transaction and stated that they would dispute it with the user 's bank/credit card and that it would take 30 days for results. - I waited patiently ; after the 30 days had elapsed I continued waiting with no resolution or even an update. I followed up by replying to the email, only to later notice that it was sent to a do not reply inbox. I re-sent the email on XX/XX/XXXX and finally was told that the investigation was complete and that the bank sided with the perpetrator of this fraudulent chargeback. I complained that : XXXX. The company took longer than their originally stated turnaround and there wasn't even an update. So my account has remained frozen, as I refuse to pay for a fraudulent chargeback. XXXX. The company did not do its due diligence in the dispute because there was plenty of information to gain a favorable result. The company responded with a canned response that didn't even address my concerns and basically reiterated the same statement that I was responsible to reimburse Venmo for the fraudulent chargeback. Then I received an email on XXXX that Venmo would be disputing it again and that the wait would now be 75 days. I complained that it has already been over 45 days since the original dispute. Then I received an email that there would be no additional dispute with the user 's institution. so, XXXX. Venmo is complicit with fraudulent chargebacks since they offer no protection from their customer 's being harmed and require that their customers be on the hook for fraud perpetrated on their platform ; without any additional recourse or appeal. XXXX. Venmo acknowledged the legitimacy of the transaction when I called them. However, the bank sided with the perpetrator. This indicates a lack of proper due diligence in the dispute process, as it should have been clear open-and-shut. XXXX. Venmo then misrepresented their turnaround times to me and after no responses to follow-up emails, stated that there would be another dispute with the bank that would take another 75 days. XXXX. Venmo then changed the narrative that no further dispute would be allowed. XXXX. Venmo would sometimes send me a response with a NO-REPLY email, which lead to even more confusion because when I would reply, I thought it would go through to them, however, the emails wouldn't reach anyone. There was no auto-response regarding a do not reply inbox. I only noticed this later on when I looked closer. Then I would have to forward it to their dispute inbox. This practice shows a lack of interest in communicating with their customers and resolving the issue. CFPB should review the information and timing of the communication to the perpetrator 's financial institution and what action has been taken against this user on their platform, given the clear legitimacy of the transaction. Venmo should be protecting its consumers from harm by way of fraud on its platform, not being an accomplice to it. Is it not a requirement that financial institutions carry insurance for fraud against their customers? By the way, I realize it's only {$25.00}, but it's the principle of the matter. | ||||||
| 11/28/2023 | Yes |
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| I have used PayPal to send money regularly to my fianc. Twice, without explanation, PayPal repeated these transactions without authorization at times that the device was not in use. No one else had access to the device or any other device with access to the account or to the account itself. I have been able to verify that at the times these transactions occurred my device ( my phone ) was not in use and was with me. These repeated transactions amounted to approximately {$3000.00}. The first time this happened, I had sent 3 transactions during that day : {$300.00} in the morning, then {$500.00} at XXXX and another {$700.00} at XXXX ; these were authorized transactions. At XXXX and XXXX, PayPal repeated the {$500.00} transaction ( twice total ) without authorization and without notification either to my phone or my email. The second time this happened, I had sent 2 transactions that day : again, {$300.00} in the morning, then {$600.00} at XXXX. At XXXX, XXXX, XXXX, and XXXX PayPalagain without authorization or notificationrepeated payments of {$600.00}, {$500.00}, {$300.00}, {$200.00}. I reported the issue to PayPal and asked that they provide information about these transactions and how they occurred, since I did not authorize them and since I did not receive notifications about them. They lied and said that I had received notifications but were unwilling to provide any proof ( since this had not happened ). I explicitly requested which device, what IP, and what location the transactions had been made from. None of this information was provided, and lies were offered in place of information. In particular, the agent claimed that the IP address and location were the same for all payments, which simply was not true. The two days of payments took place from entirely different locations. The agent either did not investigate this, explicitly lied, or was horrifically incompetent ( perhaps even illiterate ). Illiteracy may be the best way to characterize the quality of all further attempts to clarify the matter. None of my questions were answered, and the agents handling the messages did not give any indication that had actually read my clarifications or questions. They repeated boilerplate responses that had been made before and that I had acknowledged and accepted, and which had nothing to do with my questions. Agents insisted that because this was a personal transaction ( not a business payment ), there was no payment protection. I clarified that I understood where the money went and was not looking for PayPal to repay the money, but that I needed to know how the unauthorized transaction had occurred. They ignored this and instead responded simply that they had determined the transactions were authorized. This was known to be false, so their response was not helpful. I clarified that I needed to know why the app was sending money without my input, but PayPal did not acknowledge this at all and pretended that I had personally sent the money ( which, from the start, was known to be false ). I made clear that if PayPal was unwilling to provide this information that in my understanding, PayPal was responsible for perpetrating fraud. This was not acknowledged, with agent against repeating boilerplate information. From what I can tell, the PayPall app has a serious bug that in certain conditions ( not yet known to me ; possibly having to do with poor network connectivity ) the app will re-send payments that have already been sent. This is a serious problem that PayPal refuses to investigate. | ||||||
| 11/25/2020 | Yes |
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| Hi, I am contacting you all because I recently come across an issue with paypal. On XX/XX/2020 PUA ( pandemic unemployment assistance ) deposited {$18000.00}. The reason being was due to back pay. I woke up the next morning to find my account was automatically on a limitation. So I did what they asked of me and sent in the right documents which was my ID and social I believe and not even 30mins later they sent me a email stating my account was permanently limited and they have to withhold the money for a period of 180 days. Immediately I contacted them but no one was answering the phone and also I kept getting automatic machine. So I took different route and emailed them about it and the first two representative were'nt helpful sending me automated responses. Eventually i called back and spoke to representative and ask to appeal the discussion because I could'nt online and one the other representatives told me to call in and appeal the matter. Well I got denied for an appeal. They told me that because they already made a decision there was no one i can speak to or no way i can appeal the decision. Instantly I became frustrated and very upset as I sent in all the right documents to them, had to wait days to get incontact with someone and still no help or an option for an appeal. He then said you dont have to wait for the full 180 days call back after 30 days and I can get the fund released. So today XX/XX/2020 I called paypal back to see if they can release the funds and they told me they can't. I asked why and told them about the conversation I had with the last representative and the man i spoke to today said that was false information and theres nothing they can do. At this point I'm becoming more frustrated, more stressed out, but through this whole experience it has made me more XXXX. I'm attending XXXX XXXX this year and I could not find a descent job that will help me finicaly but also work with my school schedule. And with COVID-19 going on its even more harder. So I applied for PUA and got accepted as I was laid off from my previous job when the corona hit. When I got accepted I was feeling a little less stressed because I would be able to pay for schooling and help provide food and any other assistance for my family. But paypal has made that all difficult for me and not only has it affected me but also affected my family as well. Just getting that response today has sent me into XXXX and XXXX. I want to excel in school and not have to make the descision to drop out this year and start all over next year. I don't want my family struggling anymore and the money i recieved will help a lot with those matters but paypal insist on telling me lies and giving me a hard time. The only reason why I used paypal in the beggining was because my sister uses it and said she had no issues. I'm beyond frustrated but more importantly beyond hopeless. I did nothing wrong with my account except open it and try to use it and they closed it with no proper explanation or no proper appeal process. I'm asking you to please take in consideration of my horrible experience, claim and help me out. I really want continue with school and just have some of this weight lifted from myself and my family. Paypal is not trying to help me in anyway nor are they trying to hear me out and allow me to speak to anyone higher. They are just being rude, inaccurate with information and also difficult. I have no other options at this time to solve this matter so I'm begging you to help me out with resolving this matter. Thank you | ||||||
| 05/21/2020 | Yes |
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| ginal Message -- -- -- -- -- From : XXXX. XXXX XXXX XXXX To : XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Fwd : Your PayPal case : XXXX case denied -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX XXXX To : XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Fwd : Your PayPal case : XXXX case denied To whom it may concern, I have filed complaints with FTC, police report , and XXXX complaint and PayPal complaints to explain I never authorized nor received any goods from this person. It is illegal to take monies and render no goods. My daughter whom has a XXXX XXXX is the only one whom had access to my card. She opened a XXXX account trying to buy an XXXX XXXX video game console. This seller began messaging her stating he was a teen who was bullied too and understood her was her new friend. That she could buy the XXXX XXXX with special apps on it and he'll mail it after she sends the money first. He promised to sell her XXXX XXXX and told her how to add my debit card to PayPal. Then told her how to send the money first to his email with PayPal. After that he will send her an XXXX XXXX with apps in the mail but once money was sent she messaged him ask when will she get it by mail and if they can play the game together as friends on XXXX XXXX. He then laughed called her XXXX and joked she's a XXXX that he got her to believe him and he just took mommys money and can wipe out the account if he wants. He stated she is XXXX for believing he was ever her friend. She was excited and crying hysterically mommy im sorry I just wanted to be cool she said. After this XXXX says she checked and the account she went to but he was gone. After trying to email him begging him to refund. He called her a XXXX, XXXX and made fun of her again stating she is so XXXX to give a stranger her mom 's card number. Immediately I call the police, then FTC online report, XXXX and then pay pal. I have not wronged anyone and can't believe if I recieved no goods and don't authorize paypal still can allow this person to commit a crime punishable by law and deny my claim to stop this fraud from another country!! The account says AUD I live in the US where this is very illegal. I'm calling the police again and this time XXXX and FTC to update that PayPal refuses to refund my money knowing I was stolen from by international scammer. I'm in awe and deeply hurt that law is not being respected in my case. I am requesting a full refund please again. PayPal to reopen case or send to CEO of PayPal to adjust this correctly. Once again it's legal to take money with no goods rendered. Respectfully, XXXX. XXXX XXXX Your PayPal case : XXXX case denied -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX To : XXXX. XXXX XXXX XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Your PayPal case : XXXX case denied Hello XXXX XXXX , We received the case ( s ) you filed on XX/XX/2020. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, NE XXXX We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information : Dispute Case ID : XXXX Transaction Amount : {$110.00} AUD Dispute Amount : {$100.00} AUD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thanks, PayPal | ||||||
| 05/20/2015 | Yes |
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| Previously, I filed a complaint about PayPal and here is the link to claim XXXX of XXXX XXXX, PayPal is contacting me, again. But my acct has been closed for over a year. When I hover over the email acct " PayPal '' it reflects that the email acct is assigned to PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXHello XXXX XXXX XXXX We would like to notify you that the following transaction has been completed for your PayPal account XXXX XXXX you have any questions about this transaction, you may contact CustomerService through the link below : XXXXSincerely, The PayPal TeamPlease do not reply to this email XXXX This mailbox is not monitored and youwill not receive a response. For assistance, log in to your PayPal accountand click the Help link in the top right corner of any PayPal page. XXXX XXXX - XXXXI was contacted by XXXXXXXXXXXX also assigned to PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX. *** '' Dear XXXX XXXX, We have attempted to contact you on multiple occasions to make you aware of an outstanding issue with your account. Our records still indicate that your PayPal account has a negative balance of {$120.00} and has been negative for at least 36 days. This is an urgent matter that requires your immediate attention to ensure continued availability of your PayPal Account and to avoid additional collection efforts. If you do not resolve your negative balance today, your account could be sent to an outside Collection Agency for further action. Please log into your PayPal Account today and follow the steps outlined below to resolve your negative balance. XXXX. Access your account at PayPal.comXXXX. Click the " Resolve your negative balance '' link located next to your PayPal balanceXXXX. Select the " Add funds to your account '' option and click " Continue '' XXXX. Select the " Add funds ... '' option that best suits your needs and click " Continue '' XXXX. Select your preferred payment method ( Credit/Debit Card or Bank Account ) XXXX. Enter the payment amount and click " Continue '' XXXX. Click " Add Funds '' We 're here to help. If you have any questions regarding this message or you are unable to make a payment on your account, please contact us at XXXX to discuss your options. We are available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern. If you have already resolved your balance, thank you and please disregard this message. Sincerely, PayPalDo not reply to this email. Please send all messages through the email form on our website. Copyright ( C ) XXXX PayPal. All rights reserved. ***I called and the customer service rep was clueless and could not explain to me how this amount was determined, nor could she explain to me how this balance was created as of 36 days ago. She stated that her records reflected that a check had been sent to PayPal but there was a balance due. Initially, they stated that " new '' activity on the acct had caused the account to go into arrears but the acct has been XXXX for over a year and I have been unable to access it online because of the closure. As I stated in my initial complaint, eBay and PayPal need to be audited prior to allowing them to be traded on the market individually. PayPal " IS NOT '' a money transfer company ONLY as they claim in their SEC filings implying that FDIC rules do not apply to them in their financial business transactions ... the banks seem to not want to be directly accountable for PayPal transactions ( credit/debit/fund transfer ) activities ... XXXX XXXX sayin ' ... Data = Information = Knowledge = Power! | ||||||
| 08/09/2017 | Yes |
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| My issue is with PayPal. I 've been trying to change the name on my account since XX/XX/XXXX. I do n't remember the exact date I submitted everything, and I ca n't seem to pull up a record of that date on my account or in my email. I 'm XXXX, and I had a legal name back in XX/XX/XXXX. The change was of my full name, first last and middle. I submitted a copy of my new ID on the PayPal website in XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called their customer service number as it had been multiple weeks and they still had n't changed the name on my account. The person on the phone told me that it 's a different department that handles name change, and that she could n't do anything to fix it, but that it can sometimes take a month to go through. I decided to wait a while longer, and on Monday ( XX/XX/XXXX ) at XXXX XXXX, I called again to speak to someone. The person on the phone confirmed for me that the copy of my ID was submitted, and confirmed that it has been long enough since I submitted it that it should have gone through. She initially recommended that I make a new account, but given that this current account has all of my financial records on it, I did not feel that was an acceptable solution. She gave me the email address of the department that handles these claims. The email address is XXXXXXXXXXXX. I was irritated that somethings as simple and routine as changing the name on my account to reflect my new legal name was taking this long. I sent an email to the address the customer service representative provided. I 'll add an image of this email as an attachment. I received a response the next day that referred to me by a name that is listed on my credit card, but not the name that 's on my account. Over a year ago I succeed in partially changing the name on my PayPal account. It was updated with my now legal first name listed as my middle name. At the time I found this to be a very helpful response and I was satisfied. Since then, I 've had my full name legally changed and I should be able to update it on their website. The name that I was called in the two email responses from PayPal were not the name on my account, but my full dead name with my previous middle initial, which says to me that they received my request, saw that the middle name listed on my account was my preferred name, and opted to use a name that is n't on my account instead in order to intentionally cause me pain. Your instructions here say to not mention my name, but seeing as this is regarding a name change, I 'm not sure how to proceed with providing this information. As a XXXX person, being intentionally called by my previous name ( XXXX ) is a very painful experience. It is my belief that this was willfully and intentionally done to cause me harm as a XXXX person. My initial request for my name to be changed explained that I 'm XXXX and explained that I had a legal name change of my full name, and I believe that the harassment I 'm experiencing now from their staff is intentional. Today, I contacted PayPal 's customer service again and I spoke to a supervisor named XXXX who said there was nothing he can do and that I 'd need to write a letter to PayPal 's corporate office in order to submit a complaint. He also confirmed for me over the phone that my initial request was received and that he has " no idea '' why they would refer to me by the name on my credit card as opposed to the name on my account. He said to me that it is not company policy to do that, but that there was nothing he could do about it for me. | ||||||
| 08/12/2021 | Yes |
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| This Complaint is in regards to PayPal mishandling my funds in my PayPal Cash Account, as well as holding my funds from an invoice that has already been paid out by my client. I made a purchase on XX/XX/XXXX and used PayPal to fund the transaction, in which I elected to use my credit card that was linked to my PayPal account. PayPal did not deduct funds from my credit card, rather they took the money out of my PayPal cash balance, which was NOT to be used. They did not alert me, nor notify me that they were taking funds from that balance instead of my credit card to complete the purchase either. I did not discover this until two days later ( XX/XX/XXXX ) and called to inquire & request they correct the error. I spoke to an associate and a supervisor who both advised that nothing could be done, they could not advise why the transaction was not completed from my credit card, as requested and they would not assist after I expressed the need for my cash balance to remain untouched since this was earnings from my sole proprietorship business, which was separate from the personal transaction I attempted to make through my credit card. The only thing they said was that sometimes certain transactions are not be processed by the method in which I have elected and that PayPal automatically pulls from the Cash Balance as default, without notification. I asked how they could unilaterally make the decision to pull money from a different account in which they were NOT directed without communicating or notifying me first, but my inquiry went unanswered. I told them that since they provide a financial service there are laws and regulations in place that protect the consumer, and since a banks can not do that they can not decide which account to pull funding from whenever I make a transaction using their platform. I lost access to the total cash amount of : {$770.00}, which belonged to my sole proprietorship, not for personal transaction use. This amount was supposed to be charged to my credit card. I want my cash returned & my card charged, especially since I was never notified. Additionally, a separate issue I discovered when logging in is that PayPal is holding my funds for an invoice that one of my clients already remitted payment for. When I verified that a service was provided they told me multiple different reasons that were not consistent or making sense as to why the invoice would be held. They could not answer my questions and advised that the funds would not be released until the end of the month, or sooner if my client inconveniently took time out of his day to submit additional verification information to them, but I need them ASAP to pay out bills. My invoicing mirrored the same invoices I had sent out earlier that week, and the invoice funds from my prior client weren't held. Nobody could give me specific or valid responses why this was happening. They just kept stating " the system does it automatically ''. However, the system did not do it automatically for my other invoice that I received payment for, so their logic doesn't add up. The platform says the funds will be released a different date than customer service states. I wasn't notified that the funds were on hold either, I was only notified that the client remitted payment for the invoice. PayPal is holding on to my money in their platform. Again, a bank is highly regulated when it comes to transaction deposits, debits and credits, so PayPal should be following these rules as well. I want my funds released totaling {$1300.00}. | ||||||
| 08/17/2023 | Yes |
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Web | Older American |
| I have had a PayPal account since the time of its inception. At the time its main function was to allow individuals to shop online without having to disclose their credit card information to every vendor. That is how I used the service and is the only way I ever intended to use the service. I have never sold one thing using PayPal. Recently, at the beginning of XXXXXXXX XXXX I was helping a colleague sub-let his boat slip.. I gave the sub-lessor my name and address to send me a check for {$2800.00} to pass on to my colleague. I soon after spoke to the sub-lessor and he told me that, totally unbeknownst to me, much to my surprise a nd without asking my permission he had sent the money to me via PayPal. According to him, my PayPal account came up when he was putting my email address into his contacts. I dusted off my PayPal account and found that they had impounded the money and made it subject to a hold due to the fact that I do not have my social security number on file with PayPal, having never been asked. During the course of hours on the phone with their customer " service '' department it was made quite clear that they steadfastly refused to cancel the mistaken transaction and they also refused to release the money to me unless I acquiesced to their demand for my social security number, something I absolutely will not do. At first they stated that they had absolutely no choice but to handle things in this manner due to the new law regarding 1099 's. They later relented and admitted that their behavior was a matter of policy and was not, in fact, dictated by the new law. At this point i have the money on a tax ID hold until sometime in XXXX I think. The reason for the inordinately long hold time is, as explained by their employee XXXX, not to enjoy a really long float on my money but to magnanimously offer me plenty of time to think about why I should let them strongarm me into unwillingly providing them with vital personal information. At the expiration of this " thinking '' hold they will generously release XXXX % of the funds. The other XXXX % will be submitted to the IRS as backup withholding. XXXX was unclear as to how they would properly submit these funds to the IRS absent my social security # .I guess it will be up to me to track the money down. In addition to the aforementioned " thinking '' hold I was made subject to a " New Seller 's Hold '', now expired, for becoming a seller I never asked to become. I believe their behavior constitutes an unfair and deceptive trade practice. Although they had ample time to ask me if I wanted to be subject to the unfair and consumer-adverse rules they are trying to implement, they never did. Had I been given the opportunity and allowed to make an informed decision I may very well have been willing to give them my social security #. Then again I may not have. They chose not to ask deciding instead to try to force this issue after the fact. It is my belief that they did so out of a fear of losing business. Having my money and their reliance on the new law, however inaccurate, provides a good amount of leverage. I believe that they are perpetrating an unfair and deceptive trade practice based on the following : 1. They had plenty of time to ask me if I wanted this arrangement 2. They never gave me an opportunity to opt out of this essentially commercial arrangement 3. They have chosen to offer no flexibility, blaming their practice on the law when it is, in fact, their policy 4. They have no right to force me to disclose my SS #. | ||||||
| 10/05/2021 | Yes |
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| On Tuesday XX/XX/XXXX I received the following notice from Paypal : You can't use PayPal anymore After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of XXXX oriented materials or services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX I had slightly around {$530.00} that became instantly frozen. I kept checking the account and a few automatic payments I had coming through that account came out before I changed them. That left my account balance at {$450.00} I called them on XX/XX/2021 asking when the funds would be released. They assured me that at the 180 days mark ( XX/XX/2021 the funds will be available. I log in on XX/XX/2021 to transfer my funds out and see that on XX/XX/2021 they had already transferred the remaining balance of {$450.00} to themselves ... Paypal. When they called on them they simply told me it was considered damages and I had no right to my money. When I asked them to release the recording of them telling me it would be available on the XX/XX/2021 they said I would need this : Dear XXXX XXXX, Thank you for contacting PayPal Customer Support. To request information about a customers PayPal account, an attorney or law enforcement officer must submit a legal subpoena. If you want to serve PayPal with a lawsuit or subpoena, you have to follow the applicable rules under state or federal law governing service of process. It is your responsibility to determine which rules apply to your particular circumstance. Please note that PayPal 's registered agent is XXXX XXXX XXXX XXXX XXXX. If you have a Subpoena/Court Order/Letterhead/Asset Freeze/Asset Seizure related to a criminal matter, please submit it to our Global Investigations team via the Safety Hub PayPal Law Enforcement Tool here : XXXX XXXX XXXX XXXX To get instructions on how to submit a subpoena, you can also visit our Safety Center : XXXX XXXX XXXX It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX PayPal Resolution Services They affectively lied to me then simply stole my money. Thank you so much for your help in this matter. | ||||||
| 08/25/2022 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/2022 I have sold an item " XXXX XXXX '' to one of PayPal members online. Then my PayPal account get temp. limited for identity verification purposes. I was required to provide Government issued ID card and more information about the item shipped. PayPal has permanently banned me from their services because I provided Department of Defense ID as I misunderstood " Government Issued ''. I did call PayPal costumer service for resolution on XXXX XX/XX/2022 and the representative has found my state ID card already on file and escalated to the review department. Agent has assured me that limitation should get resolved after review but no, a day later I got hit with 2 limitations relating to my " business activity ''. Apparently, they didn't like that I have issued to many refunds in a short amount of time. I did call again another day because two limitations were quiet identical to one another and one of them didn't have the title pertaining to the limitation problem. The agent did confirm that I only need to complete the one that stated limitation reason and my account should be resolved in upcoming days. Except it didn't. One limitation was gone but not the one without pertaining reason and upon completion, within couple hours my account got forever hammered for " Potential Risk ''. I have made my final call on XXXX XX/XX/2022 and have been told that the escalation has been already made and the final decision was declared. They won't escalate it any further for reviews. The item sold on XXXX XX/XX/2022 was shipped the same day with tracking number provided to the costumer and informed about signature. He did confirm that package was received on Wednesday XXXX XXXX XXXX. Now, I am having hard time understanding " Potential Risk ''. After all, an agent didn't have exact cause/statement for why my account got permanently limited. Lets assume it was due to many refunds in last month. Four to be exact. Every one of them happened from reconsideration under buyers demand and shortly after payment. I always did my due diligence to refund the buyer in the timely matter without PayPal 's intervention. I have never received a fraudulent complaint or sold something broken, not as described items. Never had claims against me pertaining to items I sell. I've been using PayPal services for almost 2 years on same basis : transactions are countless at this point. Selling, buying, trading items online using PayPal with means of protection for both parties. Everyone who is selling and buying off XXXX uses PayPal XXXX & XXXX right? I am a trusted seller on XXXX and everyone is happy doing business with me. Everyone but not PayPal. Why? I sell and acquire items for hobby and never intended to make profits in the long term. Now, I currently have XXXX XXXX XXXX XXXX XXXX XXXX stuck in my account. Agent have gave me an option to wait for half a year to have hand on these funds. I also have a buyer who bought my " XXXX XXXX '' on XXXX XX/XX/2022 off XXXX with XXXX & XXXX option who I have had issued another full refund and canceled shipping due to me not being able to have access to his funds. We are working it out outside of PayPal on the item he desired to purchase. From what been said above : I can provide conversation details, dialogs, payments, shipping information for the last year of purchases and sales while I was operating through PayPal upon your request. I can provide in death details about every transaction upon request. Standing by for further instructions. | ||||||
| 01/28/2022 | Yes |
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| On XX/XX/2022, I received a Venmo user ID to purchase event tickets from someone I became connected to via an online message board. I sent a portion of the purchase price to the Venmo user ID at XXXX. After about 3 hours, the seller still had not emailed me the tickets I was purchasing, so I decided I did not want to move forward with this transaction. I was still communicating with the seller via a messenging app, and I let the user know that I was going to stop payment. I tried to find options on the Venmo app and website that could provide me some help/protection in this scenario. The app redirected me to their FAQ webpage, which was not specific enough for my situation. The app offered a way to connect via email, however I needed a more immediate response. The preferred method of communication seemed to be via an automated robot, " Venmo Chatbot. '' This chatbot seemed to only pull in the same answers from the FAQ page, none of which were helpful to my situation. I was looking for an obvious way to " stop payment '' or " dispute payment '' or " hold payment '', and Venmo offers none of these options. The best information I could find via the FAQ was that if any payment is made in error ( for any reason, including a typo ), the only recourse is for the sender to request money be sent back from the receiver. This seems highly unrealistic in a scamming situation. Without any immediate way to interrupt the payment and notify Venmo of this potential scam, I called my banking institution and put a " stop payment '' on the amount of my purchase. I disconnected my checking account from my Venmo account. I blocked the user. I never received any inquiry from Venmo as to why I initiated these steps ( disconnecting forms of payment from my account ). After 5 days without any communication, Venmo emailed me to let me know that they went ahead and paid the receiver, on my behalf, since I had " inadequate funds '' in my account. They took my Venmo balance, {$95.00}, and now they say I owe them the remaining balance. My complaint is that Venmo is not doing enough to protect senders and receivers from possible fraud/scams. As a 3rd party payment platform, why would Venmo enter into a disputed negotiation on either side of the sender or receiver, without knowing the details of the transaction? Why was there no attempt to contact me to ask why I had suddenly disconnected my checking account after 3+ years of uninterrupted service, BEFORE making a payment that I had very clearly tried to stop? It remained very hard to get a human on the phone using the Venmo Customer Service line, and I received very little information about how my case would be handled, and when I could expect follow up. I did contact the person I had sent money to, per Venmo 's suggestion, and asked that they refund my money since they never provided the good ( event tickets ) that they had promised me. I received no response. I'm attaching screenshots of the other user 's profile, which suspiciously indicates this account may have been set up the very same day that I sent money. Did Venmo initiate a transfer to an account that wasn't set up yet? The app did not prompt me for the user 's last 4 phone digits, which is usually a security feature for people you pay who are new or not in contacts. As a " neutral '' payment platform, Venmo 's standards and practices seem to highly favor the receiver of funds, giving senders no practical way to immediately stop/pause/dispute payments that are made in error. | ||||||
| 10/15/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, my wife, XXXX XXXX, was scammed by a fake/crooked XXXX XXXX XXXX of PayPal. This was done with the help of XXXX XXXX, which I have already reported. Eventually, when we finally reached someone at PayPal by phone on XX/XX/XXXX, the PayPal associate who took XXXX 's call ( she was on hold for 50 minutes ), reported to XXXX, that the fake client, took over XXXX 's phone, and transferred funds in the amount of {$1900.00} to a person named XXXX XXXX. To do this, the fake transferred this money using phone number XXXX. This has been reported to the FBI, and our local Police Department. Here are my concerns about PayPal : they sent us an email at XXXX PM, telling us funds were being moved to this person. We were not watching emails then. Why should we? By this time, XXXX had hung up on the fake XXXX support person. Then, we were both trying to work with XXXX XXXX to not process the transaction, because it was already showing up as pending on our XXXX XXXX account. At XXXX XXXX, PayPal sent us an email ( see attachment 2 of 6 ), titled " POTENTIAL UNUSUAL ACTIVITY ON YOUR ACCOUNT ''. It mentions this transaction was basically not consistent with our previous PayPal purchases, and someone may be trying to use our account without our permission. Their emails states further : " DON'T WORRY ''. To keep your account safe, we have temporarily limited some of your account features. It further asks us to logon to our account and secure it. '' I used the blue box titled Logon to PayPal. What I did was change our password. I also reported this transaction was a problem in their app. The PayPal application reported that XXXX XXXX, our charge card provider, had initated an UNATHORIZED TRANSACTION CHARGEBACK,, at XXXX PM, and it was under review ( see attachment ). At this point, I assumed, incorrectly, that both financial institutions, were protecting us on this bogus transaction. There is no phone number associated with any of the PayPal emails, and besides- they don't answer their phones in a timely manner. Next - we received an automated email at XXXX PM titled " AN UPDATE ON YOUR CASE '' ( see attachment ). On it they state they determined there was no unauthorized activity on my case, and they determined it was okay to process this transaction. They also stated they thought it was consistent with our transaction history. Parden me? It was not even close to anything we had done with PayPal before. We had bought XXXX XXXX tickets for a little over {$700.00}, but never anything like this... close to {$2000.00}, and to a stranger? NOTE - their first message on this was at XXXX PM. The next XXXX at XXXX PM. I have managed data centers for many years. This was an AUTOMATED TRANSACTION and message. Normaly an experienced analyst would be looking at this, and require managerial review for a high dollar amount like this. They did not do any research on it at all. At a minimum, we could have been consulted about this transaction. Suspend it until its approved by the sender. Here is where PayPal needs to have some serious changes. Why not send out an email to the purchaser, and give them time to respond about this. For 24 hours. And if my bank has initiated a Chargeback, that should have told them something right there and then. And maybe they need to staff more people for an emergency call in for the many crooks they now seem to have on their application, because its so easy to scam people with PayPal. We went through their dispute process, and of course we were turned down. | ||||||
| 07/21/2020 | Yes |
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Web | |
| In mid-XX/XX/XXXXXXXX XXXX XXXX started selling various new and used items on the popular website XXXX. As part of selling on the aforementioned website, XXXX XXXX XXXX was forced into using Paypal Inc. as a payment processor. ( The term forced is used here due to the fact that there is no other viable payment processor that is offered as AND to a seller on XXXX. ) On both sites the appropriate accounts were set up and operated by XXXX XXXX XXXX At various times both ( emphasis added ) organizations required verification of different aspects attributes of XXXX XXXX XXXX Normal ( and successful ) startup occurred by which XXXX XXXX XXXX was operating and running viable accounts on XXXX and Paypal.com. For nearly 6 months business proceeded well. Over 150 sales were successfully completed without issue. Many of the aforementioned sales came with encouraging feedback from the customers on ebay.com platform. This positive feedback is shared and stored on XXXX as well as paypal.com. Abruptly in midXX/XX/XXXX, without warning, notice, or any other kind of commination, Paypal inc severly limited XXXX XXXX XXXX account. The result of such was that XXXX XXXX XXXX was no longer able to sell and conduct commerce on the XXXX platform. Business came to halt, and again it should be noted that this occurred without notice and without warning. Numerous requests to Paypal Inc as to what the issues were went without answer or even a reply. When a reply was given it often did not give any answers or solutions as to resolving what the issues were. Soonthereafter, Paypal Inc informed XXXX XXXX XXXX that it intendted to drop XXXX XXXX XXXX as a customer. 9 ( see attachment ) The concern of this correspondence pertains to the following issue. After deciding to no longer do business with XXXX XXXX, PAYPAL INC, PUT AN IMMEIDATE BLOCK/ HOLD ON ALL FUNDS IN XXXX XXXX XXXX. Therefore, XXXX XXXX does not have access to the funds that are in their account. Paypal Inc. claims ( see attachment ) that they will hold all money for 180 days to reduce the risk of chargebacks and thus potential liability. Various state and federal laws and regulations do allow for such a 180 day hold. Such hold practices are based upon where reasonability is key and potential risk is thwarted. The current hold on XXXX XXXX funds are inappropriate and need to be removed and released because it is not reasonable that Paypal Inc. Is in any type of risk of chargeback. Through the several hundreds of sales that were put through this payment processor from XXXX XXXX there has never been a chargeback or any other type of erroneous billing errors from XXXX XXXX XXXX end. furthermore, many of the sales that were used to fund XXXX XXXX account have received positive reviews from such buyers. Furthermore, such aforementioned holds are not appropriate due to the fact that much of the money in thge account was derived from sales that have dated more than XXXX. Paypal Inc arbitrarily has chosen a 180 day benchmark for when they have claimed funds will be released. They refuse to tell me when such time frame has started or will end. ( In fact I have not been able to have Paypal Inc give me such exact dates in writing. ) All funding in XXXX XXXX XXXX account with Paypal Inc was derived from sales on XXXX. Many of the sales that XXXX XXXX XXXX had on XXXX occurred more than six months ago, therefore there is no risk of chargeback with said sales. It is demanded that Paypal Inc release the funds that are in XXXX XXXX XXXX account. | ||||||
| 08/24/2021 | Yes |
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| After 20 years of using PayPal with zero issues, I received an email from PayPal on XX/XX/XXXX informing me that my account was permanently disabled due to a review of my recent activity. I called PayPal customer service the same day, and it was explained to me that PayPal believed I used my account to sell a gun, due to transaction notes on a recent payment mentioning XXXX. I explained I sold a hunting rifle scope, not a gun, and a rifle scope does not violate their user agreement. I was told regardless of what was sold, my account lock was permanent and could not be contested, regardless of their being zero evidence of me actually violating the terms of service or user agreement. The gentleman on the phone explained that my account was now locked, and my {$820.00} cash balance, and {$200.00} crypto currency investment I had purchased through PayPal would both be frozen for 180 days. I was told that after 180 days I would receive an email with instructions on how to temporarily lift the account lock so I could withdraw my cash, and sell my crypto currency to withdraw the cash from the sale of those as well. At no time was it explained that PayPal may chose to keep my money. I was told several times, Sir, after 180 days youll get your frozen money back. However on day 175, 5 days before the expected email, PayPal withdrew my entire cash balance of {$820.00} for damages and for violation of user agreement. I was given no warning, they sent no transaction or confirmation email. Not a single notice that typically comes with any money movement in my PayPal account. After 180 days, I called customer service to request an explanation of the charge, as well as requesting they release my crypto currency so I could sell it, and remove that cash. I was informed I should review the user agreement, which has buried deep in the fine print that it allows them to charge up to {$2500.00} per user agreement violation. I again explained no transaction ever violated their user agreement, and was again informed that it appears you used Paypal to sell a gun. Which I did not. In regards to the Crypto, I called three times in XX/XX/XXXX and spoke with PayPal customer service. Each time I was told a case would be set up, and I would receive an email to unlock the freeze on my crypto, which has now grown in value to over {$400.00}. I have yet to receive an email, and as of today, the crypto is still frozen in my account. The balance changing daily based on current crypto values. I dont believe PayPal has any intention of releasing it, I also believe they train their customer service to highlight the wait 180 days and youll get your money back line, while never mentioning the potential of losing it all to their secret fee buried in the user agreement because they want to avoid any complaints up front, and hope the delay reduces that risk. They have provided zero evidence of any user agreement violation, except for the completely false and baseless accusation of me selling a gun through PayPal, which never happened. They provide no recourse or ability for me to prove that I did not violate the policy, have told me simply the decision is final, I can not contest it, etc. PayPal has set up their system to allow them to ban anyone at any time, for any reason, and they can then lock your account, and withdraw your funds without any proof of damages, any proof of violating their user agreement, and give you no ability to contest their decision or defend yourself against their baseless accusations. | ||||||
| 04/15/2021 | Yes |
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Web | |
| Hi ..I was recently banking with PayPal inc. as one of my digital banking apps and decided to do my income tax and stimulus deposits with PayPal due to other banks I have not being with me at the time of filing my taxes and stimulus check with a e-file co..now I had problems with my income tax for the reason of irs not being able to do it for the reason of not being identifying my status online which I fixed right away by going to office of irs and showing my Texas I.D card and my XXXX document for the verification ... I was just glad to be back on the way to recovery on years of financial disaster in past 2 years because of all the coronavirus problems and being not able to do much as a young mother I struggled daily to eat and feed my children and my income was very limited..Now the irs sent my money to Paypal and I was estatic to get it ready to buy a vehicle because for years I had nothing and my kids and I needed it for my work and so I went to try to get a transfer on XX/XX/XXXX to my other bank because I had recently lost my card for Paypal and we'll I called them but they refused to let me touch my money they said because I had to wait for my card..I asked them to please let me transfer at least some of my money because we were hungry and they refused to get me the money because they said because I used a VPN I had to wait for my account to be reviewed by the security team and my card to be mailed out for my 5 to 7 business day wait..I starved almost 3 days and gave myself a little bit of a anxiety but I made the week ... I called back and they totally were rude with me and made me feel little by saying my account was cancelled and put on limitation for the reason of fraudulent activity and security issues I committed in creating the account.Lying to me I got angry because they said they would explain it to me and made it clear I would not be able to receive my money for 180 days and I wouldn't be able to get it reversed.i cried and explained I had not did anything to jeopardize my money or company and told them I needed access to the money but they said no and don't ask for the money because no one at paypal would do anything to help..I had my stimulus check sent on XX/XX/XXXX to my account and they made my life even more miserable and sent it back so now the irs will have to send a check to me instead but it will take up to 4 weeks and I'm very limited on any help to make it the next week 's ..I lost my job due to not being able to pay for my transportation and again have no food even to be ok for next weeks..I had to wait 6 weeks since I filed and wanted my kids to have new things and be happy because their babies still but this wicked company has for what I believe the greed of making interest on my money because I wanted to transfer it to my other bank they chose to wrong me because I am innocent 100 % of any wrong doing and all because I was trying protection for my internet i paid a painful price..i never heard of this is idea that you couldn't protect urself from hackers or be punished by the bank you use for my account.PLEASE HELP ME TO GET THE ONLY MONEY I HAVE TO GET MY LIFE IN ORDER AGAIN, I HAVE NO WAY TO BE ABLE TO MAKE IT FOR MY FAMILY AND THEY REFUSED TO MAKE IT RIGHT AS I STARVED THEY REJOICE TO THINK THEY HOLD WHATS MINE TO PROFIT INTERESTED MONEY FOR 6 MONTHS.., IM SAD AND ASK FOR A WAY TO SAFETY IN ORDER TO LIVE NOT BE PUNISHED UNFAIRLY ... THANK YOU AND PLEASE SEND ME A REPLY FAST DUE TO MY URGENT SITUATIONS ... XXXX XXXX XXXX XXXX | ||||||
| 06/30/2018 | Yes |
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| On XX/XX/XXXX I connected my bank to my Paypal account. Around XX/XX/XXXX i tried to make payments with the paypal card, pulling funds from my bank. it didn't work. I called Paypal reps twice a day, every day given new hoops to jump thought that never worked, until on the XXXX a rep told me I had to open a checking account because they claim my bank wasn't set up to allow paypal to take fund from there savings. I called my bank and opened a checking account, then transferred the funds I wanted accessed by paypal to my new checking account. That didn't work. I call paypal again and was told to have my bank express transfer the money to the paypal account. I called my bank they said that is what they did-Now my bank says PaPal initiated the transfer of the funds and paypal claims I made the transfer from the paypal account.I was using the calling both institutions and only know I didn't make the transaction, I authorize my bank to do it over the phone like I was told to do. After that not only did I not get the funds into my Paypal account. the funds were in limbo, pending. I again called a rep- they claim to record the calls, Paypal should have recordings of all of my calls-who told me she would expedite the pending transfer. that didn't happen. so on the XXXX I asked to speak a manager who was rude, was interrupting me and speaking down to me and told me that there was nothing she could do, paypal informs you that when you make a transfer it takes 5 days to clear the funds. I asked to speak to her manager, she put me on hold and after a long while hung up on me. i called again and asked to speak to a manager and he had the same belittling tone and attitude and said i was lying because I had just made the transfer on the XXXX and that how long it would take. I tried to explain all the hoops their reps had me jumping though since the XXXX, he said there were not proof of this, no notes on my account so I was lying. The reason I jumped through all of these hoop is because I am ill and and can't leave the house. my saving account doesn't have a debt card connected to it, that's why I connected it to the pay paypal account in XXXX. I don't have access to the attempts made though XXXX a grocery and drugstore delivery company in XXXX. but the manager could see them so pay pal has a record of that because everytime arep told me to do something I did it and tried to put though my delivery order everytime the order couldn't be processed cause there were not funds in Paypal. I insisted that they find a way to be accommodated and the manager XXXX refuse, I insisted he close my account He refused cause with funds pending the account couldn't be closed and the funds were not going to clear till the XXXX. Well that was a lie as well. on the XXXX the request for transfer hit my savings account, The account I originally connected with them in XXXX, and in XXXX as told Paypal couldn't access my savings account. well because I did as i was told by Paypal and opened a checking account, I transferred the fund I wanted on the paypal to the new checking account. Paypal considered the transfer FAILED, but my bank considered it a request on an account with insufficient funds and charged me an insufficient fund fee of XXXX it is XX/XX/XXXX and I am right back where I started, my bank card for the new account will take 10-15 to get in the mail. I still cant go to the bank buy even if I could my account is XXXX $ smaller. I don't have my meds or groceries but I have an overdraft fee. | ||||||
| 07/27/2022 | Yes |
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Web | Servicemember |
| XX/XX/2022 : I received a text about a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX offer working from home. The phone number was ( XXXX ) XXXX under the name XXXX XXXX, telling me to download " XXXX '', and then to text this ID ( https : //t.me/Rosalie_centerfieldhrdept ). I started to text " XXXX '' through the app Telegram. The told me their mission, about the job, etc. which sounded legit to me, too bad I did not realize it wasn't until it was too late. She continued to tell me about the benefits they offer and then gave me 7 Interview questions to answer which I did. Then she offered me the job and I accepted. She then asked for my full name, address, phone number and email address to enable her secretary to enlist me in the company 's register. After she said the software needed for this job was going to cost {$3300.00}, they were going to scan a check to me for me to print out and then deposit into my account to pay the vendors. I mobile deposited the bank into my account and then she sent me a list of equipment I will be provided from their check. She then told me XXXX XXXX the vendors at phone number ( XXXX ) XXXX but XXXX XXXXXXXX XXXX would not allow it. They told me to do a wire transfer and I said I have never done that before. So then, they sent me the Venmo of the so-called vendor. The person 's name on Venmo was XXXX XXXX and user name was @ XXXX for {$2000.00} and another payment of {$1200.00}. Because my bank had deposited my check and on my mobile banking app it says the check amount of {$3.00}, XXXX. We ended the conversation but XXXX said to check back in at XXXX tomorrow to provide me training details and such. I message her XX/XX/2022 before XXXX in the morning, she asked how my night was and then she told me the vendor was able to confirm the {$3300.00} was received and that they will send another check for the amount of {$4700.00} for the time tracker. But I went to log into my mobile banking app and I kept getting an error code, which has never happened to me before. I got a big pain in the pit of my stomach, so I went to my bank for them to tell me the check was fraudulent, my account is in the negative and frozen. XXXX said we will get this worked out. I then knew I was scammed and I still proceeded to ask her to give me my money back and she said if I could get a prepaid card so they can put money on there for me. I told them to Venmo it back into my account. I went to Venmo to request my money back and XXXX denied both attempts. After XXXX, her XXXX account icon changed and the banner was deleted. And then, the XXXX account on Venmo was deleted. My bank XXXX XXXXXXXX XXXX XXXX will not return my money. I am a XXXX XXXX XXXX full time college student, working full time XXXX XXXX XXXX XXXX and I am getting married XX/XX/2022. Which I told these scammers. They had no regard for the law and for me. I am out of {$3300.00} from my savings account and checking account. To make it even worse they were still trying to scam me for more money today. This is definitely a lesson learned for me. I was a victim of grade A scammers and I hope they all get caught so justice can be served. I have all the screenshots of my conversations with XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX email ( that is the email I received the fraudulent check from ). Last Thursday, the same scammers sent me a text to try to do the same scam again. I was floored when I read that text that day. This is devastating that this happened to me. | ||||||
| 06/05/2016 | Yes |
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| PayPal refuses to return {$320.00} to my PayPal account regarding a canceled order with merchant XXXX. Merchant has failed to reply. Enclosed below herein is a copy of the complaint dispute I filed with PayPal Inc. against merchant XXXX for the return of {$320.00} ( XXXX ) to my PayPal account. XXXX/XXXX/2016 XXXX XXXX - Buyer : The order has been canceled as XXXX however the merchant still shipped the item, I spoke with XXXX who 's a supervisor for the company who said that she was unable to do anything, I want this to be refunded. I am XXXX and in no position to physically return it myself. XXXX retrieved their merchandise from my home on Tuesday XXXX XXXX 2016. As of Monday XXXX XXXX 2016 said merchant has failed to communicate, reply, ( and/or ) respond to PayPal Inc. 's resolution claims team within the required ten days dispute process. I contacted PayPal three times on Monday XXXX XXXX 2016 and each time I was repeatedly put on hold for a period of more than thirty-minutes without resolution. I do have a XXXX and made a prudent decision to file this complaint against PayPal Inc. for the return of my money. The amount of {$320.00} ( XXXX ) should have been immediately returned to my account per PayPal Inc 's regulations when there is no response from the merchant within ten days it has now been ten business days. I need my money for health reasons and I was told by PayPal Inc. on Monday XXXX XXXX 2016 that they put a stop payment on my money so it would n't be released to the merchant because I called right away. However, this has proved to be a very disingenuous statement because said monies is not currently back in my PayPal account. Enclosed below herein is the communicative correspondence ( and/or ) lack thereof between PayPal and said merchant. XXXX XXXX, 2016 -PayPal : Email sent to buyer XXXX XXXX, 2016 -PayPal : Email sent to seller XXXX XXXX, 2016 - PayPal : Email sent to buyer XXXX XXXX, 2016 - PayPal : Email sent to seller XXXX XXXX, 2016 - PayPal : Email sent to seller XXXX XXXX, 2016 - PayPal : Email sent to buyer XXXX XXXX, 2016 - Buyer : Complaint Case filed Account ID : XXXX Enclosed herein below is the only communicative correspondence PayPal Inc. provided : Transaction Details : Credit to Credit Card ( XXXX Transaction ID # XXXX ) Original Order Date Type Status Details Amount XX/XX/2016 Order To XXXX Completed Details - {$320.00} USD Related Transactions Date Type Status Details Amount XX/XX/2016 Charge From Credit Card Completed Your transfer from your credit card to your PayPal account is complete. Your transfer from your credit card to your PayPal account is complete. Details {$320.00} USD XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} USD XXXX XXXX, 2016 Refund Completed Details {$320.00} USD XXXX XXXX, 2016 Credit to Credit Card Completed ... - {$320.00} USD Original Order : Total Payment : - {$320.00} USD - {$320.00} USD Total amount : - {$320.00} USD Fee amount : {$0.00} USD Net amount : - {$320.00} USD Invoice ID : XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Subject : Credit Card Funding Type : Credit Card Transfer to : XXXX XXXX XXXX This transaction will appear on your bill as " PAYPAL XXXX ''. Monies refunded should have been applied to my PayPal account balance the same as other past refunds because the former debit card linked to my PayPal account was already closed and PayPal Inc. was fully aware of this. A refund ca n't post to any account or card that is closed. | ||||||
| 06/11/2018 | Yes |
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| I bought an authentic XXXX handbag on XXXX from a XXXX seller, based in XXXX according to his site, for {$470.00} on XX/XX/2018 and paid for it with my PayPal account. I was sent a XXXX counterfeit from XXXX and the seller was XXXX, not XXXX. On XX/XX/XXXX after I received the counterfeit Handbag, I called XXXX. They immediately opened a case and decided in my favor in less than a day. They told me to throw out the bag, which is made of plastic not leather and smells like gasoline. ( I did not throw it out because I had not received my money. It is still sitting in my garage. ) XXXX immediately closed down the counterfeiter 's account so I can not send the bag back unless they or PayPal give me an address and postage. AND they immediately transferred the refund money to my PayPal account. They said it would a day or two before I would see it. I saw after three days the money did not reach my account. I called XXXX. They said they sent it but it did not go through ( my PayPal account is open and in good standing, I have a seller account and receive money several times a week from buyers, no problem ) and I should talk to PayPal and tell them what happened and to have PayPal call XXXX for a three way phone call. They transferred me to PayPal. PayPal said they never got the money or the notification from XXXX and they weren't going to call PayPal. I called XXXX. They said have PayPal do a three way call. They transferred me to PayPal. This went on for three days and about 15 hours of phone time on my part. Needless to say I was furious after this incompetent sideshow. Somewhere in this mess a PayPal rep who barely spoke English, like most of them, opened a case on PayPal 's end without telling me what he was doing OR informing me that it would close my already settled XXXX case. Most of the people I spoke with at both companies are foreign, speak broken English and do not know the rules or protocol of either company. This is especially true of PayPal, who still won't return my money, even though XXXX decided the case in my favor. PayPal has no desire to investigate. A simple call to XXXX would clear this up BUT they refuse to do anything to help. Instead they are worried about the rights of the criminal counterfeiter. They told me the XXXX counterfeiter needs to tell his side of the story before I have a chance of giving me my money back. And what if he never replies or closes his account? When I said I was the victim of a crime and selling fakes as real is a felony and all they had to do to confirm this was reach out to XXXX, they refused. They said it didn't show the case as closed on their end -- which is a glitch in THEIR system they refuse to address. AND they didn't care what criminals who have accounts on PayPal do to get their money and their criminal enterprises are none of their business Someone needs to police PayPal. It is ridiculous to have a company based in the USA that covers up for the fraud of XXXX counterfeiters, and has a system that is so broken they don't receive simple transfers from XXXX -- a company who once owned them and who they are closely affiliated with. To the point PayPal is the only service every SINGLE transaction goes through on XXXX, including personal credit cards. This is a simple fix. PayPal needs to communicate with their partner company XXXX, the company you do the MOST business with and find out what happened. Instead they refuse and they are condescending and unhelpful. Bottom line I want my money back. | ||||||
| 10/05/2018 | Yes |
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| On XX/XX/XXXX ( I believe ), PayPal called me telling me I had a negative account balance of XXXX dollars. I assumed it was a scam phone call and hung up. A week later I have a horrifying revelation when I login to my paypal account and see that I do indeed have a negative account balance of {$1500.00}. On XX/XX/XXXX, 4 payments of {$390.00} were deposited by someone I do not know. Then 36 payments were withdrawn, in increments of approximately XXXX dollars, in total equaling {$1500.00}. Heres where things are bit hazy for me. I think those payments were auto flagged as fraud, and then the original 4 payments of {$390.00} were withdrawn into a bank account ( XXXX XXXX ) that I have no connection to. I have never even heard of compass bank. For further clarification, I never logged in or used paypal on XX/XX/XXXX, the day this all happened. According to the first employee I called at PayPal, referred to this as an account takeover, but then said that this bank account ( XXXX XXXX ) has been on my Paypal account since XX/XX/2009. I can say with 100 % certainty that this is unequivocally untrue. I use my paypal all the time and have always been aware of the three payment methods I have associated with it. I don't know how or why she said that bank account came to be registered on my paypal. Additionally, I see no history of it on my end. I have a screenshot of that too but will not send it unless asked, for as it containts personal information. She asked me to file a complaint through the website but whenever I tried to file one by clicking on a fraudulent transaction I get a site error saying one of two things. Either " We're unable to file a case on this transaction, '' or " Unable to complete your request. '' I have screenshots of both of these messages. Over the phone, she said theyll investigate and return my account balance to XXXX. But all they did was send me an email saying the dozens of ~ {$40.00} transactions were indeed marked as fraudulent and that my new account balance should reflect that. But it doesn't, it has remained at - {$1500.00} for over 7 weeks now. I have called 4 times in that period and I am always told that they'll investigate and " in all likelihood the matter will be resolved. '' I've asked twice ( two different employees ) if I should file a police report or contact the CFPB and they said no, they'll handle the problem internally. Instead, they have reassigned my account to a debt collections company and now when I call, I can not even get through to their main customer service once I've entered my account info. The automated system says that my problem has been reassigned to a 'partner company ' and then hangs up on me. It's as if I have been roadblocked whenever I try to get this sorted through their XXXX XXXX, or over the phone. Additionally on Saturday XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, saying that I have 30 days to dispute this problem. I have yet to take action with them. I just turned XXXX and I do no have a steady job. If I have to pay this amount, it will financially ruin me. As of now my credit is in good standing, but I fear this identity theft will ruin that as well. Please help. PS - I have the email of the person that initially deposited the {$1500.00} into my account. I don't know if that helps, but just thought I'd include all the information I have. I will send that if asked, as well as additional screenshots of bank account history, paypal account info, etc. | ||||||
| 05/18/2015 | Yes |
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Web | Older American |
| I received a {$35.00} NSF charge from XXXX. I have checked out of " Overdraft Protection '' at XXXX to stop these NSF charges. I utilize a low balance account/debit card to pay for items that I purchase online. If the card/account were to be " compromised '' the hackers would not get much/anything. On XXXX XXXX, 2015, I received a {$36.00} NSF charge to my account for a {$11.00} charge from XXXX on a recurring charge that bills thru PayPal. I immediately called XXXX and they stated that I was afforded a " XXXX time courtesy '' earlier in the year. I contacted PayPal and ask why they did not use my secondary payment method ... ... XXXX XXXX, and I was told that when the charge was sent by ACH to XXXX XXXX, PayPal had no way to check the account balance. Therefore they would do nothing. XXXX XXXX said they were charging the NSF fee because they provided a service in returning the charge. XXXX XXXX had paid the charge of {$11.00} to XXXX. On my PayPal statement it shows paid. XXXX XXXX stated that it would take XXXX days for the charge to reverse. XXXX XXXX computer triggers a NSF to PayPal, knowing that I have opted out of " Overdraft Protection ''. XXXX XXXX then informs me that they are charging me for a " administrative handling fee ''. PayPal says they have no way of knowing if the account has a positive balance or not and therefore I am at fault for the charges even though I have XXXX XXXX as a backup funding source. While XXXX XXXX generate over XXXX XXXX dollars in overdraft and NSF fees each year, I can understand how they would try and circumvent the " Overdraft Protection Opt Out '' so they could charge the {$36.00} fee. PayPal does not allow a customer to remove their bank accounts or bank cards from their system and use the following charge sequence:XXXX Default Payment Methods. When you make a payment, if you have not selected a Preferred Payment Method, PayPal will fund your transaction in this order : a. Balanceb. Instant Transfer from your bank accountc. PayPal Creditd. PayPal Cardse. Debit cardf. Credit cardg. eCheckYou give PayPal the right to resubmit any ACH debit you authorized that is returned for insufficient or uncollected funds. No consumer knows this as it is hidden in their TOS and if you do not accept the TOS then you can not open a PayPal account. PayPal will then use your bank account as the primary source of funding regardless if you have chosen a credit card as your primary payment method. By moving the credit card to the bottom of the charge sequence, PayPal avoids the credit card fee thus improving their bottom line. I utilized the " Overdraft Protection Opt Out '' with the express intent of AVOIDING any bank charges beyond the {$6.00} they charge each month because I will not deposit thousands of dollars in this particular account. Obviously XXXX XXXX wants my {$36.00} really bad and will do most anything to get it. I find it ironic that XXXX XXXX touts their " ETHICS ''. I would suggest that XXXX XXXX is void of " ANY ETHICS '' if they will stoop the the lows they have exhibited in regard to this fiasco. If both XXXX XXXX and PayPal are doing this to me, you can bet they are doing this to millions of others too. XXXX can only imagine the " XXXX '' of dollars they are making on these unscrupulous business practices. While I expect nothing to happen, hopefully enough people will stop doing business with these XXXX " modern day XXXX XXXX '' collective of thieves. But then one can only dream. | ||||||
| 08/07/2022 | Yes |
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| On XX/XX/XXXX I noticed a PayPal withdrawal from my checking account in the amount of {$2900.00}. I proceeded to check my PayPal account which did not show any forms of purchases or withdrawals. I had my wife check her PayPal account, and she did not have any authorized withdrawals taking place in the said amount. I contacted my bank, they informed me that the pending withdrawal from PayPal was in my name. I proceeded to call PayPal on the same date listed. I don't recall the person I spoke with. I proceeded to explain my circumstance to her. She told me that there was nothing listed on my PayPal account in that amount. She proceeded to investigate the situation and informed me that someone had " stolen '' my identity, to where they obtained my full name, address, phone number, email and social security number in XXXX and was not using the information for this purchase. She told me that someone had opened a PayPal account under my name and was using a different email address of XXXX. The PayPal representative placed a hold/ ( closed ) on the fraudulent account and informed me that she would send all the information to their fraud department for investigation. During this time, I opened a new checking account and started the process of transferring funds to the new checking account. I had to wait until the end of the week to officially close the account due to pending automatic withdrawals. I noticed that there were two additional attempts ( total of 3 attempts ) trying to withdrawal the {$2900.00} from my old checking account. We did not have that dollar amount in that account, so the transaction never went through/cleared the checking account. Each time I noticed the pending withdrawals, I contacted my bank and called PayPal to inform them of the situation. PayPal informed me that they would look into it. On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ). I was not sure if this was a scam or if it was a real company since my street address was listed incorrectly. I contacted XXXX XXXX, to where I have Identity Theft Insurance through, and informed me that this was a legit company. We proceeded to place a conference call with XXXX. The representative informed us that the account number on the notice was from PayPal and PayPal had sent the dollar amount {$2900.00} to collections. We informed XXXX that I was a victim of Identity Theft and explained the situation to them. XXXX informed that they would send what they gathered from us back to PayPal informing PayPal that this was fraudulent. On XX/XX/XXXX XXXX XXXX and I made a conference call to PayPal to get an update on my case. We contacted the Fraud department and then was transferred to a different department. After some time having a conversation with the representative of PayPal, he finally agreed to file an investigation on the alleged charges. On XX/XX/XXXX, I received an email from PayPal informing me that PayPal had completed their investigation and found no evidence to support my fraud claim and requesting payment in the amount of {$2900.00}. On XX/XX/XXXX my XXXX XXXX claim representative called me to see if there was any additional movement on my issue. I informed her that PayPal said there was no fraudulent activity on my PayPal account and that I owe the said amount. My claims representative forward me additional information to file with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau to try and resolve my Identity Theft case. | ||||||
| 09/25/2021 | Yes |
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| We are now based in the united states and XXXXThe magnitude of barely circumventing applicable laws under which paypal is outright cheating and scamming people is very dangerous to a persons emotional and physical well being.HOW can the united states govt or any govt. allow a company like this to operate without being held accountable IT IS BAFFLING.PAYPAL ruins innocent peoples lives thats what they do and are experts in. We are sellers .Have been using paypal as our online payment processor for our websites, but are now in the process of removing them permanently.I want everybody to understand the outright immorality, deception crookedness and incredible greed this evil company operates as.Now keep in mind we have been providing paypal with a massive amount of business for many years now a high volume they should be really greatful to us but the treatment is the opposite.I am certain they pull money for no legitimate reason to collect interest and to retain it for as long as possibleAnd here is just one example to prove why that is the case.Buyer purchases something on our website and we get paid from paypal.Keep in mind buyer in this case was in the united states and the item was being shipped from our XXXX office .Buyer chose economy shipping which is 12-16 business days.Less then 5 minutes after the buyer makes a purchase, the buyer is allowed by paypal to file a item not received dispute and paypal immediately pulls the money from our account BUT KEEPS THEIR CUT OR THEIR COMMISION.Now how are we going to deliver a physical product from XXXX to usa in 5 minutes ? Now we won that dispute eventually but the funds were tied up for 1 month AND even though we won paypal still charged us a very hefty XXXX dollar dispute " fee '' which they should only have charged the buyer because the buyer lost the dispute ... in reality paypal charged us who won the dispute a fee and the buyer both+ kept their cut or commision from the transaction and get this they give you a lower conversion rate then the market rate..... INCREDIBLE GREED.This is how you treat a customer who has been providing you such a huge volume of business for several years.? We now have some other disputes open for no good reason and ofcourse these disgusting pigs paypal are holding our money XXXX with absolutely no wrongdoing on our partXXXX we have verified dhl tracking information item was delivered buyer is outright lyeing and paypal helped themselves and took our money.XXXX buyer according to paypal has 10 days to return the item to us ( a beauty lotion which the BUYER CLAIMS IS DEFECTIVE ) now can a beauty lotion be defective? 10 days have passed and we HAVE NOT received it and paypal is still holding onto our money.XXXX paypals policy is the buyer should contact the seller FIRST before filing a dispute with the seller so the seller has a chance to correct things if they did anything wrong and knows the buyer is about to file a dispute .However its a blatant lie on the part of paypal anybody can file a dispute without contacting the seller you see it gives paypal another chance to steal your money and collect interest on it.For this dispute it was taken by united states customs but even though we dont have to we resent it to her and she will receive it in the next few days ... this does not mean these XXXX paypal go into our account help themselves and steal our money when their is absolutely no wrongdoing on our part.go to XXXX paypal your time will come you outright XXXX. | ||||||
| 10/26/2020 | Yes |
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| On XX/XX/2020, PayPal contacted me by e-mail to inform me that they linked my XXXX card to a program that pays for PayPal purchases with the cash back on that card rather than a standard charge to the card. I had previously added this credit card to PayPal, but never requested or gave authorization to join such a program. In the e-mail, PayPal claimed that, " If you ever want to remove XXXX Cashback Bonus from your available payment options, just go to your Wallet and select your XXXX [ account number removed ] '' Since I did not want to be part of this program, I immediately logged into my account and attempted to access the edit page for this credit card. Instead of being able to access that page, I got an error message that said, " There were a few errors in retrieving your data. Please retry after a few minutes. We apologize for the inconvenience. '' I contacted PayPal immediately through a messaging system on their site to report the problem and ask to be removed from the program. I was in communication with a few representatives who didn't even understand the problem, much less know how to fix it. I ended up opening a formal complaint with the XXXX XXXX XXXX. PayPal did respond to that complaint, and in the response ( as well as subsequent e-mail and phone contact ), they did seem to understand the problem, and offered ( on several occasions ) to escalate it to a higher department. The XXXX ended up closing that complaint after two messages from PayPal, despite the fact that a resolution was not yet reached. In nearly two months, I have continued to get the same error message when trying to access the edit screen on that credit card within PayPal. Since I can not access the edit screen for that credit card, I can not opt out of the cash back program, nor can I set the card as preferred, update the expiration date, remove the card from my PayPal account entirely, etc. Over the past two months, I have read similar reports from other PayPal users describing the same ( or very similar ) error message and inability to edit a card after being forced into this cash back program. On XX/XX/2020, I received another e-mail from PayPal stating that another credit card on my PayPal account ( this time my XXXX XXXX XXXX card ) was added to the cash back program. Again, the e-mail told me that I could opt out. As I did two months prior with my XXXX card, I logged into my PayPal account, and attempted to opt out. However, I ran into the same problem that I've been having on my XXXX card : I get an error message every time I try to access the edit screen for that card. I never had a problem accessing the edit screen for either card until immediately after being added to this program. So, it seems that PayPal is adding customers to this program without their consent, telling them they can opt out if they choose, and then blocking their ability to opt out ( and also blocking their ability to edit other features of the card as they relate to PayPal ). I contacted PayPal via e-mail immediately after this happened and told them that if they did not get this fixed within 24 hours, I would be contacting the CFPB. As that 24 hours has elapsed, and the problem persists, I am now opening this complaint. As detailed above, I have been trying to get this resolved for just short of two months, and I think that is more than enough time to get this fixed. Now, not only is it not fixed, but it is getting worse as an additional card is now part of the problem. | ||||||
| 05/12/2021 | Yes |
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| PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months. even worse, their phone support doesn't work since at least XX/XX/2020 ( maybe more ) and they even removed any option that allows me to contact them via message. In other words, I'm unable to talk to anybody from that paypal office ( for the last 6 months ). You can try calling paypal at this number and see for yourself ... XXXX please call this number and you'll see how the system will hang up on you saying that because of covid they can't pick up a phone I am amazed that a company of this caliber can be unreachable for that long ... ( I will also attach a screenshot of the options I have in my paypal account where you will clearly see that there is no option to message them ) I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I have employees who have families and I need to be able to support them financially. This unfair decision puts their livelihood during a very tough time for people all over the world Here is an exact explanation of what happened ( will attach supporting documents too ) Complete video explanation provided to paypal ( no response from them ) : https : XXXX Summary : 1. I asked my client to pay me for marketing services because their accounting were 6 months late 2. Instead of using the payment details that were listed in the billing information of my partner account, they manually sent the payment to my email address ( only used for email communications with partners ) 3. This email address XXXX is NOT used in any paypal account and is NOT meant to be used to receive any sort of payment 4. I received a notification from paypal to accept the funds ( attached in the ticket ) 5. When I clicked on accept the money, I was asked if I wanted to use an existing account so that I wouldnt have to create a new one 6. For convenience purposes, I decided to log in to my existing paypal account and link the payment so that I could retrieve it there 7. Right after this my account was suspended and the funds were locked My email linked to my PayPal is : XXXX Please understand that all I did was to click on accept the money to receive my funds. The sender used the wrong email and again this email is NOT designed to be used for any transaction purpose whatsoever. I have even tried to remove it from the account because it has nothing to do there. I just added it as a one-off to receive my funds. This will seriously impact my business if I dont get my account back. I come in good faith and I honestly didnt have any malicious intentions or anything like this. I would be very grateful if you could please re-instate my account and allow me to conduct my business. Ive had this account for more than 6 years and never had a single problem because everything I do there is transparent and legitimate. I am as transparent as possible : I showed you my emails to the client, the payment notification that followed and even my communication with them afterwards. I come in good faith and I can assure you that there never was any malicious intent or anything on my end I will attach a copy of the notification I received to retrieve the funds sent by my client. This is an email coming from paypal directly | ||||||
| 01/06/2017 | Yes |
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| Over the years I 've had a horrible experience dealing with PayPal. I was wasted countless hours on the phone with customer service, being lied too, blindly, transferred, hung up on, and disrespected. I often spend hours on the phone when them getting no resolution at all. I 've noticed that every customer service representative will provide contradicting info from the previous customer service representative, which makes it hard to understand what 's going on with your money. Recently I made a purchase on eBay using PayPal and rather than take the funds out of the PayPal balance, they decided they would do an eCheck without my permission. I noticed this later that day and tried to transfer the PayPal balance into my account to cover transaction cost. It says an eCheck can take XXXX business days but they took the money out the very next day. But for some odd reason it took XXXX days to deposit the PayPal balance into my account. Which caused me to receive and ACH insufficient fund fee. The next day i placed the funds into the account to cover the transaction because PayPal had n't deposited the previous balance yet. It then took them XXXX days to take the money out of my account for the eBay purchase. Now that the funds have been deducted the eBay seller is stating that the funds have not been received and sent me a screen shot of his PayPal account showing that PayPal would n't clear the funds for another 9 days. Which means PayPal wants to hold onto {$530.00} for XXXX days. The seller spoke with PayPal and they told him, my bank was holding the funds not them. When he told me this I called my bank and confirmed that was lie, the funds had been taken out at XXXX that morning. I called PayPal myself and they told me the funds would clear by noon that day, which never happened. Later on that day, I called back and they said it would clear by the next day. Now it 's been 4 days since they took the money out of my account. Yesterday I had a XXXX way call between my bank and PayPal, and even my bank told them they had taken the funds and it normally does n't take that long to clear through an ACH. Which leads me to believe that PayPal is illegal holding on to my funds to gain interest. This morning the seller on eBay is no longer interested in selling me the item, and PayPal wo n't let him cancel the transaction. So now I have to wait XXXX more days for the funds to clear just to be able to open an " item not received '' claim which will take another XXXX weeks to get my money back, hopefully. In the past I 've had PayPal double dip into my account to take money out twice, held funds for XXXX days, suspend my account no apparent reason, and let customer 's open fraudulent claims against my business minutes after making the transactions. PayPal 's practices need to be looked into. From reading reviews and complaints about this company online, as well as my own horrible experiences, I feel PayPal has some illegal practices. Even my bank told them what they were doing did n't sound right. Their customer service department wastes my time more than they actually assist me. Somedays I 've spent as much as XXXX on the phone being transferred to incorrect departments only to speak to a supervisor who never took my complaint or reviewed the call. I know this because I 'll follow up the next day just to find out no complaint or even notation of the conversation was taken. At this point i 'm ready to file a class action lawsuit against PayPal. | ||||||
| 07/26/2017 | Yes |
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| XX/XX/XXXX : Email Sent to PayPal Starting Email : Could someone at PayPal please explain to me why the {$11.00} XXXX transaction was charged using the wrong card instead of the preferred card? What are you going to do to fix it? Note : The {$11.00} XXXX transaction was authorized, but the card used was n't. I have no control to choose a card when purchasing something from XXXX. Previous transactions from XXXX were always charged using the preferred card. Why did PayPal did n't use it? Please answer my questions. Please note that PayPal email support has a history with me of not answering emails, so I will give you 48 hours to satisfactory answer my questions, otherwise I will call for a manager to ask why you read this email and not respond. End of Email. XX/XX/XXXX : PayPal Responded Hello XXXX XXXX, Thanks for your e-mail. Based on your selection, we are sending you some details below about how to add or withdraw money from your PayPal account. If you need additional information, please reply to this message or contact us at XXXX, Mon-Fri XXXX XXXX to XXXX XXXX PT and Sat-Sun XXXX XXXX to XXXX XXXX PT. A. How do I add money to my PayPal account? B. How do I withdraw money to my bank account? C. Troubleshooting Thanks, PayPal A. How do I add money to my PayPal account? Before you add money, check if your bank account is confirmed. Confirming your bank account lets us know that you 're the real owner of the account. Here 's how to confirm your bank account : Log in to your PayPal account. Click Wallet. Click + Link a bank. Select Checking or Savings and click Agree and Link. If your bank account is already confirmed, here 's how you add money : Log into your PayPal account and go to Add money under your balance. Select the account you want to add the money from, and enter the amount, and click Add. Review your details and click Add. It can take 3 to 5 business days for your money to be available. B. How do I withdraw money to my bank account? Log in to your account and click Withdraw money under your balance. Select a withdrawal method, then follow the instructions to complete your withdrawal. The minimum you can transfer to a bank account is {$1.00} USD. Estimated arrival : 1 business day Transfers made after XXXX XXXX ET or on weekends or holidays take longer. All transfers are subject to review and could be delayed or stopped if we identify an issue. Check withdrawals usually take 1-2 weeks. C. Troubleshooting Having trouble adding, editing, or removing your bank account? Check your Summary page and your Resolution Center. The Summary page will display system messages that might explain why you ca n't add, edit, or remove your bank. Look out any notifications in the Notifications box. Your Resolution Center will display account issues and all steps required to fix them so you can use your PayPal account in full. This might include adding and removing a bank account. Lastly, check your emails. We might have sent you information on any steps you needed to take in order to use your PayPal account in full. Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. XX/XX/XXXX and XX/XX/XXXX : My Action and Response Read email and the response did n't answer any of my questions ; therefore, rejected. I attempted to call several times, but failed to reach resolution. Why does PayPal email support does this copy-and-paste that answers nothing? PayPal has been doing this for years. Why does PayPal find this email method acceptable? | ||||||
| 10/26/2023 | Yes |
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| Users have reported instances where their funds were locked without any clear explanation, leading to immense frustration and financial distress. In my case, I became entangled in a web of miscommunication and negligence, resulting in freezing my accounts due to Venmo mixing my personal and business accounts. Unaware of the app 's policy of only allowing one account per user, I encountered a password issue in one of my 3 accounts I have, and was unable to access the account that was primarily being used before I creat the other 2. Unfortunately, one of my clients sent money to that inaccessible account. I have explained that Im facing an extremely hard financial situation. Unable to afford even basic necessities after the passing of my mother. Being said I received a payment from one of my clients only to discover that my accounts had been frozen due to a debit of {$420.00} on my business account, a transaction that was not made by me but by my ex-boyfriend, whom I, unfortunately, trusted during a difficult time when I had to leave for XXXX to take care of my mother. I have sent numerous emails explaining the situation and have made it abundantly clear that I am aware of the potential consequences if the funds are not recovered from my ex-boyfriend since it was under my name, I was of course found responsible for the debit. However, I have informed Venmo that I am currently consulting with my lawyer to investigate the possibility of other unauthorized transactions made by him as for example on my XXXX XXXX XXXX account. M Despite these facts, the response time from Venmo has been sluggish, taking an average of 3-4 days to receive a repetitive and unhelpful response that does not address the issue at hand while Im desperately in need of my frozen funds to buy food. But still nothing about resolving my issue and try to work on it. I have made it clear that I am struggling financially and offered to pay in installments, as I simply can not afford to make a full payment all once. I am desperate for assistance and have made it clear that the money in my account from my client is crucial for purchasing basic necessities like food. All I am requesting is for Venmo to unfreeze my account immediately and understand that I own a limited liability company ( LLC ), which by law separates my personal and business finances, which seems to understand that any issues or liabilities, arising from my business are not my personal responsibility, they are not allowed to freeze my personal account because of a debit on my business profile. I never said I would not pay, but only ask some time until my lawyers investigation is over. I kindly request your intervention in this matter, as I believe Venmo 's actions warrant further resolution into my matter and really expect a positive resolution that respects my rights as a customer. And Im also open to discuss anything that I might have said in this complaint that is not valid or uncertain, which I believe is nothing to be questioned since Im under my rights as a consumer, but If Venmo fails to rectify this situation promptly, I will have no choice but to take legal action against them. As an owner limited liability corporation, I expect Venmo to respect the legal separation between my personal and business finances. Their negligence and lack of accountability are unacceptable, and I will not hesitate to involve the appropriate authorities to ensure justice is served. Best, XXXX XXXX | ||||||
| 01/26/2016 | Yes |
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Web | Older American |
| In XXXX 2014, we sold a XXXX XXXX on eBay and the buyer paid with PayPal. Although the buyer was local he asked us to ship it to XXXX. We did but required a signature upon receipt of the coin. It was shipped, signed for and we considered it a completed transaction. Two months later, the filed a charge back with his credit card company saying that he never authorized the charge. We were notified by Paypal about the charge back after they deducted the {$1000.00} from our Paypal account giving us an {$1800.00} negative balance. At this point, the buyer had our {$1800.00} and our gold coin. We filed a dispute with Paypal saying this was a fraudulent charge back and we wanted our money credited back to our account. In support of this claim, we sent Paypal the following information : An email from the buyer acknowledging the purchase of the coin and stating that he was in the process of paying for it. A request from the buyer that we mail the coin to the address he provided in XXXX. We did with a signature receipt required. In the email he asked us to just mail it and he would accept all risk for shipping it uninsured. We declined to do that and told him he would have to pay an additional fee to ship it that far with signature required. He agreed, paid the fee and we shipped it. It was received in XXXX and signed for. Two months later the buyer said that he never authorized the charge. When we contacted Paypal, they first said that the {$1800.00} was a charge for a service and since they do n't offer seller protection for services, we were not eligible for any protection from them. In later inquiries, they said we were not protected because he was n't an authorized buyer on Paypal and then that he did n't have an authorized address. We went gone back and forth with Paypal to no avail. They said that they sent the information we provided to them to his bank and that the bank/credit card company decided to uphold the charge back in favor of their customer, so Paypal said there was nothing else they could do and we had to pay back the {$1800.00}. When we did n't, they tried to take the money via an online charge against my business paypal. I contacted the bank and they reversed the charge so I could protect that money. I moved the money out of that account the next business day and set up an XXXX for the company and an XXXX bank account. I had a personal Paypal card which they " limited '' meaning they froze that account and took the {$260.00} in it. Also, after they charged the {$1800.00} back to my Paypal account via XXXX XXXX, they took the funds that came in from my Ebay sales and put everything against the " balance '' they say I owed. We had to stop our XXXX in order to rearrange all of our finances to no longer accept PayPal payment from our customers. We tried to get the buyer 's bank name from Paypal but they wo n't provide it. They said we have to get a subpoena to get it. If we had that, we could go to the bank and file our own claim and show them the evidence. Since I was scammed it has happened to XXXX other sellers that I know about : same guy, same scam against us all. We asked Paypal to approach the bank on all of our behalf but they would n't. It seems to me that if Paypal were to say that XXXX of their customers were seemingly defrauded by this same bank customer, then the bank could determine that it is n't us ; it 's their customer. They would not do this or anything else. We lost the gold coin and our {$1000.00}. | ||||||
| 09/10/2020 | Yes |
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| I'd like to discuss something about PayPal that is a bit more than a disgruntled consumer complaint. PayPal has a feature allowing you to send friends and family funds. If you originate that from your account, to transfer funds to another person, using an email address ; and if you have not sent this person any funds in the past, if it's a first transaction with that person -- PayPal does not in any way verify that the email address is associated with the intended recipient. Only after you commit your funds to transfer, is it possible to " see '' who you sent funds. They have a feature called " search PayPal '' but when I tested using emails of personally known people, who do have PayPal accounts, and whomI have never sent money, they did not show for verification. Only the fact that it was a valid emailis communicated. I was trying to send some financial aid to my son. I had never sent him money and he uses an email for PayPal I rarely see. He missed one letter when he verbally gave me address. On XX/XX/2020 a stranger " XXXX XXXX '' was sent {$1000.00} meant to help my son, whose income has been impacted by the pandemic, because his email is one letter away from my son 's and because I didn't get to see his name until after the funds were sent. There are further issues, despiteseeing the error within seconds and immediately contacting PayPal, I am told there is no recourse. The money is uncollected, it is at this point just XXXX and XXXX in their systems. At first they suggest you yourself go and ask for your moneyback, perhaps by sending an email. After much complaining they offer to do it for you, which is likely a minimal nod to responsibility. Would you open an email from someone unknown.If you did what impression would a request to refund a personal money transfer get? This happens so often they have an established operating procedure, that SOP is totell you it " isn't their problem '' and they will not return your funds. If the money is never claimed by the mistaken recipient, it is never refunded. How often does this happen? How much money is involved? I was trying to send a XXXX dollars to my son. Paypal has millions of users, in many countries. Who gets this unclaimed, mistakenly sent money? Is it sitting unclaimed in an account? Is there interest accruing? This may be financial crime, on what scale I can not say -- but you can bet they will minimize the scale if asked. In the current climate, people sending funds to family and loved ones is likely more frequent than ever ... Personally I may or may not get resolution ; only if the mistaken recipient decides to refund me the money. If not, I am toldthat PayPal will deduct my account and my only recourse is to have my bank intervene. This may or may not result in restitution, and is likely a long process. Where is the money in the meantimefrom my case, and the hundreds? thousands? of other similar cases? Remember it's just " policy '' to allow you to reclaim your funds, and both XXXX and XXXX XXXX have processes in place to allow a sender to reclaim funds, especially uncollected funds. I know PayPal is big, but I think if they keep those funds, take it from my account ( or if I stop payment put me into collections ) that they are stealing money, and if I defend with a stop payment they will threaten my credit. I am actively pursuing my " case '' withinPayPal, but have little reason to expect a positive resolution. Sincere Regards, XXXX XXXX | ||||||
| 12/05/2022 | Yes |
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| PayPal has effectively taken {$5000.00} and made it indefinitely unavailable to the payee or the payor without explanation or recourse. We are a small property & casualty insurance agency in XXXXXXXX XXXX We've had a PayPal account since XXXX to process premium payments when our clients wish to pay by credit card. In all of that time PayPal has never required us to keep a reserve balance in the account. In late XX/XX/XXXX XXXX of our clients, who is a medical doctor, elected to purchase a medical professional liability tail policy from us. The premium is required by the XXXX to bind coverage. The policy needed to be made effective XXXX XXXX to avoid a lapse of coverage. To hasten completion of the transaction, the doctor elected to pay by credit card using two separate cards. Because the amount was much larger than we usually invoice, I called PayPal to ask if there would be any issues. I was advised by their representative that there are no limitations or requirements on the account that would present an obstacle to receiving payment. On XXXX XXXX, XXXX I created two invoices on PayPal ( to accommodate the doctor 's preference to pay using XXXX cards ) for the amount of {$28000.00}. The doctor made her payments by credit card on XXXX XXXX and notified us by email. PayPal subsequently refused to release any of the money, pending a copy of my driver 's license and my U.S. Passport. I provided both and answered a set of questions regarding the transaction. On XXXX XXXX, XXXX all but {$5000.00} of the doctor 's money was transferred to our trust account. I subsequently called PayPal to ask them to release the {$5000.00} and explained to them ( as I already had in writing at their behest ) that the doctor 's insurance would lapse, if we did not send all of the money to the insurance company. I explained that this agency acts as a fiduciary and can not afford to have money suspended by PayPal, especially without warning or explanation, and that I had cleared the transactions with one of their representatives a week earlier. This time I was advised by PayPal 's representative that the {$5000.00} is being held indefinitely as a " reserve. '' The user agreement is extremely vague about their contractual right to do this but the rep told me the case had been escalated and that I would hear an answer within a few days as to whether they are willing to release the {$5000.00}. On XXXX, having heard nothing from PayPal XXXX I called PayPal XXXX close our account and instruct them to release the money either to us or back to the payor. I advised PayPal that any rationale for keeping money in reserve no longer exists as we would no longer be doing business with them. I also reiterated that I wanted the money either forwarded to us, as authorized by the payor, or returned to the payor. Either way, we were concluding our relationship with PayPal effective immediately. The representative I spoke to transferred me to a recorded message which states that PayPal could not assist with my request, referred me to their online " resolution center '' and hung up on me. PayPal 's website simply states that you can not close an account with money in it. At the moment, PayPal is sitting on {$5000.00} that a doctor has authorized as payment to this agency, which we are required to transfer to an insurance company as payment of premium. Without payment, the doctor 's insurance may lapse, leaving her vulnerable to uninsured claims. | ||||||
| 04/09/2022 | Yes |
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Web | Servicemember |
| Venmo Fraudulent Business Practices Between XX/XX/XXXX - XX/XX/2022 They sent this email, which I did not see right away. An addition was recently made to your remembered devices on Venmo. XXXX via XXXX on ( Thursday, XX/XX/XXXX at XXXX XXXX ) If this was you, no further action is needed. If this wasnt you or you believe an unauthorized person has accessed your account, please immediately reset your password. Then, contact Support here so we can confirm your account is secure. To reset your password tap Forgot your password? on the sign-in screen in the mobile app or visit www.venmo.com from a computer. Thanks, Team Venmo XX/XX/2022 My daughter tried to send me some money but couldn't because my account was blocked. I tried to log in but it said my account was suspended. XX/XX/2022 I called and the rep said it appears someone was trying to add a bank account to my Venmo. I told him that it wasn't me. He said that he couldn't help me and that I needed to answer the email I received. I followed the instructions in the email and changed my password. When I tried to log in after that, I received a notice that my account was suspended. I sent an email asking for my account to be restored and received the following two messages : Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi ( my name ), XXXX from Venmo Support here. Thank you for reaching out to us. I'm happy to help you out! I hope you are doing well. Weve had a chance to review your account and it appears your case requires additional attention from another team. I will forward your case and they will follow up with you here, via email in 4-5 business days. In order to make this a smooth process, please respond to this email chain with any additional questions or concerns that you may have. Thank you for understanding! Thanks again and have a great day! Best, XXXX A | Venmo Support : XXXX : http : XXXXvenmo.com Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello ( my name ), Thank you for reaching out. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Best, Account Specialist THIS EMAIL IS A SERVICE FROM VENMO. So, they suspended my account and are keeping my money ( only {$140.00} ) but they won't tell me why because " we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' Also, I didn't violate their policies. There is no explanation, no appeal process, no one to talk to, and they are keeping my money. How is that legal? | ||||||
| 08/10/2017 | Yes |
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| Paypal has charged back my account over {$2400.00}, using a false claim. Paypal sent me an email stating the following : The disputed amount has been debited from your PayPal account because of the following reason ( s ) : Intangible goods or services are not covered under Seller Protection. In addition, you have been debited a {$20.00} USD chargeback fee. Copy of emails attached along with copies of invoices. More insanely, Paypal charges me a {$20.00} chargeback fee. Let me understand this, I depend on paypals highly touted and advertised verification and fraud prevention system to conduct my business. I pay fees to use their service, the transactions were all approved by paypal and paypal claimed the buyers information, including their payment method, were all verified by their system. The same system they charge me any everyone else fees for. But due to their error, i am chargeback the full amount including a chargeback fee. Plus, I have lost the items sold. If this is not a CLASS ACTION in this world I will take the first suttle created by XXXX XXXX to XXXX. I have been with Paypal since XX/XX/XXXX, with a perfect record. Let me say that again.. over 16 years without an incident against me. I have had an ebay account for nearly as long and have a very high satisfaction score. On XX/XX/XXXX and XX/XX/XXXX, I sold a macbook pro computer and Concert tickets for the group XXXX to an individual who has done business with me over the last couple years, without any prior issues. The member was verified by paypal, upon payment I mailed the items to the address on file that was also verified by PaypaI. Both items were physical items therefore covered under Paypals seller protection policy I have complied with all paypals request for documents My permanent address is in the United States The payment used was marked as eligible on the transactions detail page In summary, I followed Paypal policy to a tee! Additionally, during an investigation period, which this case continues to be in, it is premature to debited my paypal account. Doing so, essentially makes my paypal account unuseable, unless I myself pay for the chargeback of over {$2400.00}. Essentially, since Paypal controls the entire system, they are using that control in an attempt to force me to give up my rights and pay for their error. This is a complete dictatorship and I stress a Class Action is not only necessary but highly winnable. Continued damage I have auto payments that have been set up with my paypal account for years and now I have no ability to pay them. I am unable to accept other payments Paypals actions place the entire burden on me and damages my business. This is in direct violation of Paypals own policy agreement and is a deliberate violation of that policy agreement. Paypal is attempting to claim zero accountability for their flawed service. Paypals primary consumer statement used to solicit individuals or businesses is their buyer and Seller protection. It is advertised everywhere, with a ... you can carry on with your business knowing we have your back. slogan. I do have the firm of XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) out of XXXX Michigan, looking into my claim and the possibility of filing for Class Action certification. I have yet to retain them, a decision will be made prior to the XXXX XXXX holiday. I Am requesting this complaint be published, therefore anyone who has experienced similar issues with Paypal, please contact XXXX. | ||||||
| 01/09/2018 | Yes |
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| I have an account with PayPal that I use to make online payments. I also subscribed to the XXXX XXXX remote access service. I noticed yesterday ( XXXX/XXXX/XXXX ) that PayPal made an unauthorized debit to my checking account on XXXX XXXX for {$240.00} - the annual subscription fee to my XXXX service. I had already paid the {$240.00} annual subscription fee on XXXX XXXX, XXXX. I called XXXX customer support and talked with " XXXX '' ( case # XXXX ) who assured me that XXXX did not initiate the {$240.00} unauthorized charge to my account on XXXX XXXX. XXXX followed up with an email ( attached ) repeating his assurance that XXXX had not initiated the charge. While on the phone with XXXX, I cancelled my subscription to XXXX. I then went to the PayPal website, logged in, and checked my account activity. To my horror, I discovered that PayPal, since at least early XXXX, has charged my bank account four times each year for my XXXX annual subscription overcharges totaling {$1600.00} since XXXX XXXX. I spoke with a PayPal customer service rep by phone ( case # XXXX ). The customer service rep insisted that XXXX ( not PayPal ) had initiated the charges, whereas XXXX at XXXX insisted that XXXX did not initiate the unauthorized charges. A classic case of Finger-Pointing. The PayPal rep said that PayPal will provide an official response within ten days. However, PayPal refuses to look at anything but the most recent charge for {$240.00} made on XXXX XXXX. My account activity on the PayPal website shows the unauthorized charges. However, the XXXX website does not reflect any of the unauthorized charges that PayPal attributes to XXXX and which PayPal debited to my checking account. This leads me to suspect that PayPal may have been hacked to defraud consumers and that PayPal is in denial about the problem. Here are the details. I had one subscription to XXXX XXXX ( XXXX ) during this period. However, XXXX charged the full annual subscription fee four times each year - on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. PayPal ( supposedly on behalf of XXXX ) charged my bank account {$240.00} on XXXX/XXXX/XXXX - PayPal transaction ID # XXXX ; {$240.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$240.00} on XXXX/XXXX/XXXX - trans.ID # XXXX ; {$240.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$240.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$140.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$140.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$140.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$140.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$99.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; {$70.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ; and {$99.00} on XXXX/XXXX/XXXX - trans. ID # XXXX ). ( Note : XXXX raised their annual subscription prices 350 % since the beginning of XXXX without prior notice to its customers, but that 's another issue ). PayPal sends email notices when it charges my checking account. However, the email notices fail to include a description of the services provided or the period covered - this field is left blank on the email notices. This is a serious lapse in PayPal and XXXX XXXX internal controls that makes it difficult for consumers to identify fraudulent charges. The reasons that I am contacting the CFPB directly are that these illegitimate charges involve more than one online company and that these erroneous charges may be the tip of a much larger consumer fraud iceberg. I hope that you can help. | ||||||
| 07/07/2022 | Yes |
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| This complaint is against Paypal who are unjustly withholding my funds with no cause or reason. I have had a Paypal business online account for a number of years and have not had any previous issues with them before. About a week and a half ago, I decided to try and purchase their XXXX Paypal device, which would allow my in-person customers who make payments by card, to easily pay using their XXXX Device XXXX XXXX Their XXXX device syncs to their XXXX app on my phone and allows easy payment for in-person customers. I thought this would be a good business device but unfortunately, it has been a nightmare. I made XXXX test transactions, the XXXX on XX/XX/2022 for {$3.00}, and the next one for {$1.00} on the same day, to see how the XXXX device works and how much fees Paypal XXXX would charge me. My client then provide their card and I charged {$2600.00} on XX/XX/2022, {$1500.00} on XX/XX/2022, and {$500.00} on XX/XX/2022. These transactions were on the same card with the same customer for services rendered and for monies owed to me. After I did these transactions were approved, the money was sitting in my XXXX account and then transferred to my Paypal account linked to it the next day. PayPal then immediately put a hold on my account and sent me a bunch of emails to request more info on my business which at all times I provided. Paypal then decided to suspend my account indefinitely based on all the valid legitimate information which I provided to them. I have contacted them several times to refund my money which is not theirs and they are withholding my funds which is against the law and a violation of my consumer rights and Federal Banking laws. They have decided to steal my money by embezzling it and converting it into theirs. They are saying they can only release my funds after 180 days which is unacceptable, while I have bills to pay and need to take care of my minor child. Paypal is unjustly violating the law and withholding my funds. I even requested that they at least refund the funds to my customer 's card who would find another way to pay me and they refused. I am very upset, frustrated, and angry. I need them to allow a one-time transfer to my account so that I can withdraw all my funds from their online platform, or send me a check asap for the total amount on my account which is {$4500.00}. It is my money, not theirs. I am not interested in using their platform anymore as I feel like I have been abused and they are stealing from me. This was their decision on my online account webpage : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX Paypal needs to be fined for violating my consumer rights and embezzling my funds. I want my money returned to me immediately. Please help! | ||||||
| 10/20/2021 | Yes |
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| I sold LEGAL products on XXXX. During that time PayPal was the payment processor for all XXXX accounts and sellers were given no other choice to have payments processed for their sells. After months of selling my PayPal account was shut down and restricted ( XX/XX/2021 ). When I contacted PayPal from my phone number on profit I was questioned about a friend sending money as friend and family option on my PayPal business account. I was told that in order for friends and family to send me funds through their system I would have to open a personal account. However I was assured that it didn't appear that my account would be completely closed for that reason because I had been such a long standing customer. The following day comes and I speak to another rep who restated the same information as previous call made. This rep further stated that by the end of the day my account should be unrestricted. I wanted to make sure that was the case because I had almost 10k of products I needed to ship to customers that day. The following day being the third day I called again. This time I was given a completely different excuse on why my account was restricted. At that time I was told my account was restricted because I was selling items PayPal does not process payment for, even though it was permitted through XXXX at the time. I was informed that my funds would be held for " up to 180 days '' after that I would receive an email about how to withdraw my funds. The rep did not reference any actual transaction as being in violation nor did he mention where in user agreement from XXXX that I was not allowed to sell said products. His response was " its not illegal to sell them, we just don't want to process your payments. You can use another payment processor. '' Very rude and further in a matter of fact tone said : we will hold it for 180 days to cover any charge backs if necessary. He never mentioned policies on violation fees or surcharges. Within a month of the 180 days being over PayPal took {$10000.00} from my account leaving it at a XXXX balance. I was never given any warning or notice the funds would be removed for any reason. I was continually told I would receive my funds after hold period. I would have never sent that much product out, I would have refunded the customers. Now I am out of product and revenue for using a third party payment processor that has monopolize the market. When I would contact PayPal after my funds were withdrawn they would direct me to contact a team through email. The reply to my email is an automate response. If I try and contact PayPal through their website it does not allow me to make contact. XXXX literally gave no other option to process payments over their platform at said time. Further you could only sign up as a seller by having a required PayPal account. If XXXX allowed the sale the end user should not be held liable for financial loss due to XXXX service providers contradictory user agreements. Because you are using XXXX system to sign up the user agreement should be the same for any payment provider. Which after this I did continue to sell the same items over XXXX platform. My account with XXXX is still in good standing to date. It should also be mentioned that PayPal and XXXX were ending their payment processing partnership during this time. It has been reported by several XXXX sellers that PayPal just closed, restricted or refused payments during this transition. | ||||||
| 02/21/2022 | Yes |
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| I tried to correct my name in PayPal systems to my legal name. PayPal would not correct my name after being sent forms of ID such as my birth certificate, drivers license, passport, and XXXX. PayPal is in violation of the CIP provision ( section 396 ) and Title III ( MLCA XXXX and XXXX XXXX ) to the 'Anti Money Laundering, ' or XXXXAML ' laws, passed by Congress from XXXX and amended through the Bush Administration XXXX which makes it compulsory for financial institutions and service providers to be accountable for initial customer identification ( before they do business with a client ), and requires them to maintain extensive records of steps taken to verify the identities of prospective clients. I was sent the attached email after attempting to provide my identifying information : " Dear XXXX XXXX, Thank you for contacting PayPal. Regrettably, we were not able to change the name in your account. The name in your PayPal account can not be changed to that of another person. If this is the case, then you may want to consider closing this account and open a new account under your name and contact information. Please note, before you close your PayPal account, withdraw your balance and remove financial information ( such as, bank and/or card ). If you need to open a dispute on a recent payment, wait until the dispute is resolved before closing your account. If you're still waiting to receive an item you've paid for, you should delay closing your PayPal account until after you've received it and you're fully satisfied with it. Here 's how to close your PayPal account : 1.Log in to your PayPal account. 2.Click the Settings icon next to " Log out '' button. 3.Click " Close your account '' under " Account options ''. 4.Click " Close account ''. When you close your account, the following actions occur : Your remaining PayPal balance converts to your primary bank account 's currency when you transfer the balance to your bank account. Any unpaid money requests are automatically cancelled. You forfeit any unused redemption codes or coupons. If you have any further questions, you can contact our Customer Service by clicking Contact Us at the bottom of any PayPal page. Yours sincerely, XXXX PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. '' PayPal is saying the name on my PayPal account can not be change to that of another person, but I was attempting to a correct an error and change it to my legal name. By law PayPal can not have my social security number and transactions attached to another persons name " XXXX XXXX. ". I proceeded to close my account and have my personal information deleted from their systems. I received an email ( attached ) saying my account isn't eligible for data deletion " Because PayPal is a financial company, were required by law to keep your personal and transaction data for a number of years after your account has been closed or inactive to prevent fraud, money-laundering and to comply with financial laws. The amount of time we need to keep the data is determined by federal, state, and local laws. '' What federal laws require PayPal to have my personal information attached to another person 's name ( XXXX XXXX. )? 31 CFR 1020.220 requires that accurate identifying information. Under 12 CFR 1005 PayPal must provide error resolution. | ||||||
| 04/12/2018 | Yes |
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| Re : Pay Pal Case XXXX On XX/XX/2018, I purchased a bathing suit from XXXX, which I learned is a company in XXXX. {$81.00} USD. When I ordered the item, I put it on my charge card, and the website flipped it over to Pay Pal. Two weeks later the bathing suit arrived. I tried it on. It did not fit. I wanted to return it. There was no Return Authorization Order in the package. I called Pay Pal and specified that the suit did not fit and I wanted to return it. The advisor sent a message to XXXX that the item HAD NOT ARRIVED AT MY HOUSE, STATING THEY REQUESTED SHIPMENT TRACKING INFORMATION. Since this was in ERROR, I called Pay Pal and told them of their error and they subsequently changed the complaint to NOT AS DESCRIBED. ON XX/XX/XXXX, Pay Pal wanted to know if I wanted to continue the claim because it now showed the package was delivered to my address. On XX/XX/XXXX, I RECEIVED AN OFFER FROM PAY PAL, XXXX offered a partial refund of {$41.00}. Subsequently on XX/XX/XXXX, Pay Pal offered that I could open a dispute in their Resolution Center. I would have to go into their website to the Resolution Center where I would find my case number. I went into the Resolution Center, but the case had not been entered. I called Pay Pal, stated the claim for a full refund WAS NOT IN THE RESOLUTION Center and stated again what the problem was, requiring a full refund. I also sent a reply by email to Pay Pal also on XX/XX/XXXX and stated again that I need a RETURN AUTHORIZATION ORDER. Pay Pal stated they would send me the address of the company in XXXX and also offered me a shipping promo offering a {$30.00} refund for shipping. I packaged up the bathing suit and shipped it via USPS to XXXX in XXXX.Shipping was {$32.00}. I also received the tracking information and receipt from the USPS. On XX/XX/XXXX, Pay Pal required copies of the Tracking and Shipping information. I subsequently sent them photo copies of the Tracking Number and receipt from the post office. Pay Pal then stated on XX/XX/XXXX, they do not accept attachments of the required information which was the tracking number from the post office. I contacted Pay Pal immediately, explained I had not sent attachments but sent photos. They told me once again to GO TO THEIR RESOLUTION CENTER TO SOLVE THE PROBLEM. THE RESOLUTION CENTER, AFTER SEVERAL REQUESTS ON MY PART, WAS NEVER ENTERED INTO THE RESOLUTION CENTER. Each time I had to contact them by phone which necessitated a 1 1/2 hour wait or a call-back place in th3e cue. If you accepted the 1 1/2 hour call-back now you are trapped at home waiting for the call back. XX/XX/XXXX. When they stated they wanted photos, and I sent photos, they said the photos were not what they wanted. They said they wanted attachments. They then proceeded to tell me what they wanted which required going into their website and going through no less than ELEVEN STEPS to comply with this request. I stated I had sent the photos requested. They subsequently, on XX/XX/XXXX sent me an email stating they closed my case because I did not send then the information they wanted!!! I think they have made me jump through enough hoops with all of their errors and requests. I still want my refund of {$81.00} plus the {$30.00} for shipping. At this point, I do not have the bathing suit which I returned, and I am out of {$110.00}. Please contact Pay Pal and help straighten out this absurd mess. Thank you, XXXX XXXX. | ||||||
| 08/20/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I logged into my paypal account to check on a transaction for a roll of stamps I had ordered previously.When I got to my account there was a notification that my account was temporarily blocked due to suspicious transactions.I navigated around to get to PayPal security and the first guy whose name I don't recall was unable to do much so he transferred me to a level 7 security person, whose name was XXXX XXXX XXXX gave me his employee id number and phone number and then reassured me he could get these transactions backed out and restore my account.He then asked me to share my computer via an app called XXXX.Apparently that didn't work so he asked me to download something called XXXX XXXX XXXX XXXX XXXX XXXX and that didn't work either.He then tried Venmo and that also was unsuccessful.He then decided it was being interfered with by my XXXX account, which he then disabled.He asked for my PayPal login/password.I gave it to him since I thought he was security with Paypal.He then proceeded to do several transactions. " backing the charges out of PayPal '', when in fact he was buying cryptocurrency with my checking account which was linked to PayPal.He then asked me if any other accounts seemed off and my cryptocurrency account seemed off so he asked me to log in to that and then he requested XXXX which I entered.He proceeded to make many crypto transactions in the name of backing out the charges.He then told me that my computer had been compromised and to not log in to any of my financial accounts for 5 days.I spent about 7 hrs on the phone with this guy and he just kept reassuring me that the money taken at PayPal would be fully restored.Then he began calling me on XXXX XXXX, once again assuring me that the transactions would take a while and questioned me whether I had gone back into my financial accounts.He then said that they suspected that someone at my bank had compromised my accounts and that they needed to do a XXXX XXXX to find out who the hacker was.He put me in touch with the head security officer at XXXX XXXX XXXX XXXX who told me I needed to help them catch this person and we needed to complete a wire transfer to a dummy account as the transactions on PayPal would go through at XXXX XXXX.It was around XXXX XXXX at that time.So I went to my bank, asked to do the wire transfer and gave them the account particulars that they had sent to me.They asked for the receipt for this transaction.The next morning I felt uneasy about what had transpired so I called PayPal and they said there was not an employee by the name of XXXX XXXX and that their employee would never give their last name or id number or phone numbers I went to the bank, told them that I had been scammed and tried to stop the wire transfer.I then found out that multiple transactions with bitcoin had taken place thru using my bank account that was tied to PayPal and multiple transactions were made to XXXX as well.In all over XXXX was removed from my XXXX account and about XXXX from my checking account.I changed all my passwords, cancelled my bank accounts and opened new ones, bought a new computer and I phone because I didn't know how much information had been hijacked from my computer.The only data I transferred on my phone was my contacts list, but the next day this XXXX XXXX guy was calling me on the new number.I have subsequently filed disputes with PayPal , XXXX, and made a police report and an FBI report. | ||||||
| 06/06/2019 | Yes |
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| I have an issue with the 180 Day Hold on PayPal. I have over XXXX XXXX held on my account and need that money for rent/reinvesting into my business. RE : Case XXXX - XXXX After being limited again for the same information that i already provided ( photo ID, SSN, Proof of address, Business /information, Proof of transactions ), paypal decides to deny my claim and close my account permanently. I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPal 's services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Saturday XXXX, XX/XX/2019 if I am not satisfied with PayPal 's response to this request to release my funds : ( agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General Consumer Complaint Against A Business/Company State of California - Department of Justice - XXXX XXXX XXXX Attorney General The Washington State Office of the Attorney General https : //fortress.wa.gov/atg/formhand ... XXXX The Florida Office of the Attorney General Florida Attorney General - Citizen Services Contact Form The Arizona Office of the Attorney General Florida Attorney General - Citizen Services Contact Form Additionally : The United States Federal Reserve What do I need to know before I file a complaint? Federal Reserve Consumer Help ( I understand that PayPal does not operate as a " bank '' which is precisely why they may be interested in such complaints ) All complaints will be filed " online '' Saturday XXXX XX/XX/2019 and written copies will also be sent via certified postal mail. I understand PayPal 's need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of $ xx for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard " this is part of the terms of service that you agreed to '' will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Monday XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. Case XXXX - XXXX Account ID : RE : Case XXXX - XXXX | ||||||
| 12/15/2018 | Yes |
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| My complaint is against PayPal. I opened an account with PayPal around XX/XX/2018 for the purpose of accepting monies to fund the XXXX XXXX XXXX 35 Year Reunion. The PayPal account # is XXXX. On XX/XX/2018, I transferred {$1000.00} to my XXXX account # XXXX. I'm not sure if the transfer was in one transfer of {$1000.00} or in two transfers of {$850.00} and {$210.00}. This transfer was done from my cell phone. I wasn't sure that I processed the transfer correctly using the cell phone so in a panic, on the same day, XX/XX/2018, I cancelled the transfer of {$1000.00} using my cell phone. On XX/XX/2018, from home, on my personal computer, I logged onto the PayPal account, the {$1000.00} was there, I felt secure and transferred the {$1000.00} back to the XXXX account. Afterwards, the PayPal account reflected a XXXX balance. OnXX/XX/2018, I checked my XXXX account and the funds ( {$1000.00} ) from PayPal had not posted to my XXXX account. To this date, the funds ( {$1000.00} ) have not posted my XXXX account. I have called PayPal customer service 4 times and each time I get a different explanation for what has happened to the funds : 1st call : On XXXX - it takes 5 days for the money to post to your bank account ; 2nd call : On XX/XX/XXXX - a ticket was created for investigation for {$1000.00} ( reference # XXXX ). The problem is that the amount of {$1000.00} is not in dispute {$1000.00} is, so this ticket is irrelevant. 3rd call : On XX/XX/XXXX - I was told to allow 10 days for the funds to post. I told the cust serv rep that 10 days have already past. I asked to speak to a supervisor. I was placed on hold for 45 minutes then I hung up. 4th call : I called back on XX/XX/XXXX and explained to a different cust serv rep. She was back and forth between me and a supervisor. The cust serv rep told me that the {$1000.00} was transferred to XXXX on XX/XX/XXXX and that she was creating a complaint ticket in reference to the matter and would provide me with an email to my PayPal message center and in that email would be the PayPal trace ID #. I never received the email in my message center. In short, my dispute is that I transferred {$1000.00} from PayPal to XXXX XXXX. Then I cancelled the transfer for {$1000.00}. Then I transferred {$1000.00} from PayPal to XXXX of which has not been posted to date ( XX/XX/2018 ). XXXX XXXX has provided me with a copy of the bank statement for the account along with the XXXX Trace ID # 's for the funds ( {$1000.00} ) paid back to PayPal : {$850.00} XXXX Trace ID # XXXX and {$210.00} XXXX Trace ID # XXXX. ( The Trace ID # s consists of all numbers with the exception of one alphabet " XXXX '' ). I have uploaded a copy of this XX/XX/XXXX statement for your review. PayPal customer service and supervisors have been rude and unprofessional. OnXX/XX/2018, I printed out a copy of my PayPal account activity and on XX/XX/2018, I printed out a copy of my PayPal account activity. The two PayPal account activity statements are different. I think PayPal has altered my account activity. PayPal has also failed to provide me Trace ID # 's for the {$1000.00}. A copy of the two aforementioned account activity statements are uploaded for your review. I pray that you can help me to resolve this matter and force PayPal to transfer the {$1000.00} that is owed to me. If you have any questions, please call me at ( XXXX ) XXXX or email me at XXXX. Thank you, XXXX XXXX XXXX | ||||||
| 06/25/2017 | Yes |
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| XXXX XXXX As of the XX/XX/XXXX I am unable to access my money. XXXX XXXX XXXX Dear After reviewing your PayPal account, we 've determined there is excessive risk involved in doing business with you. According to XXXX XXXX your business ( you initially installed - XXXX ) is in " dissolved '' status. We 'd like to begin parting ways in a manner that is least disruptive to your business. However, you 'll still be able to use a PayPal account for personal use. The PayPal accounts are set up for one Legal Entity only. A new PayPal account should be created for the new company. Your right to appeal : We always perform a thorough investigation before deciding to initiate the closure of an account. However, we appreciate that from time to time misunderstandings can happen. If you wish, you can appeal our decision. You can do so by logging into your PayPal account and sending us a message on our Contact page. Your account balance during the account closure period : This decision means we must oversee the appropriate movement of any money currently in your PayPal account balance. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. Our aim is to review any valid buyer claims lodged against you. We must allow enough time for claims to be filed as these can take several months to be reported and resolved. How will the process work? 1. We 'll hold any money currently in your account in accordance with sub-sections ( 1 ) - ( 3 ) below. We do this because it provides sufficient time for most claims, such as chargebacks, to be filed by other parties. These claims can result in financial loss. If your account balance is below zero, you 'll have to settle the amount owing on your account to avoid further action. 2. Our first review at 30 days from the date of this email will calculate our exposure and we 'll release any excess funds to you at that time for withdrawal. We 'll communicate this to you at the time. This review can result in 3 different outcomes as detailed in sub-sections ( 1 ) - ( 3 ) below. We 'll always communicate the outcome of our reviews to you. 1. We 'll release your entire remaining balance to you for withdrawal. Please note that if you choose not to withdraw the money at that point we reserve the right to re-coup any money at the next review ; or 2. we 'll release a part of your remaining balance to you. If this is the case we 'll inform you about how much money can be withdrawn. We 'll then conduct another review 30 days later that will repeat the process detailed under sub-section 1-3 ; or 3. we wo n't release any funds to you if we deem our exposure to be greater than or equal to your available balance. Your account may be reviewed up to 5 times ; at 30 day intervals until day 180 from the date of this email. If any money remains in your account at day 180 it will be made available for withdrawal at that point. Accounts with a balance owing to PayPal : If your account shows an amount owing to us, you must add funds to ensure that the balance returns to zero. Please note that we reserve the right to recover the amount by legal means. A copy of our User Agreement can be found by clicking 'Legal Agreements ' at the bottom of any PayPal page. Our right to close your PayPal account, and the retention of funds, are covered in our User Agreement under sections 10.2 and 10.3. Yours sincerely, XXXX PayPal | ||||||
| 11/06/2019 | Yes |
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| Starting from the beginning, I was using my Paypal account in conjunction with another account I have on the website XXXX. This was to send money for a purchase of Bitcoin, which they have advertised as " we are licensed to allow users to both sell and buy bitcoin at varying exchange rates, under hundreds of different methods, such as bank transfers, debit/credit cards, wire transfers, XXXX, XXXX XXXX, gift cards, online payments, other cryptocurrency, etc. '' I started a trade on XX/XX/2019 at XXXX XXXX GMT+3, after logging in to both my XXXX and Paypal accounts. After establishing a trading partner and rate on XXXX, I was connected to the trader via chat. In this chat they are supposed to provide you with instruction on how to provide the correct details and what to do to " complete payment '' while the trader and the XXXX chat hold escrow. So I asked the trader to whom I would send XXXX $ to on paypal and he provided me the email : XXXX and I did so, without any other requirements I clicked the " paid '' button on the left side of the chat and was told the bitcoin was in escrow through XXXX, however the seller/trader would have to say that he has verified the payment. After checking his paypal account he stated that the payment was on hold on his paypal account, and I informed him that paypal stated that at the latest he would receive his money on XX/XX/XXXX, which was entirely out of my control. I for one, only had the transfer activity recorded in my account and could not even cancel to get a refund. So I asked him to be patient and maybe contact paypal to see why it was on hold and if he could have it available to send sooner. He then said " let 's wait 24 hours '' although he also said this has happened to him before in other transactions. After checking his reviews on XXXX, I had seen that some people sated that they had to wait 12 hours to receive their purchase. Apparently using " outside escrow '' invalidates the terms of service agreement on XXXX, however they advertise traders " who accept paypal ''. after waiting three hours I opened a dispute through the menu on the left side of the XXXX chat and have been waiting to hear directly from the moderator, after fulfilling the requirements in a script that opens during a dispute, instructing both users to provide " video evidence '' of proof of payment ALTHOUGH the chat doesn't allow video format uploads ( like my proof of payment, and his receipt as jpegs/screenshots ) so I had to upload me logging in to paypal and reviewing the transaction on video to an unlisted XXXX upload, which I placed in the chat in front of the moderator and the trader. I have tried to use The Resolution Center in Paypal 's help section and was denied my case when I stated that the transaction was unauthorized. Previously you could request a case for refund for the reason that simply you wanted to cancel/the goods or services promised were not provided. However, this trader on XXXX must've been attempting to scam me because he said " send it as a friend '' as part of his instructions. XXXX has also stated that the dispute could take up to 7 days, past the time the trader 's hold would be active. I don't know why I should have to wait more than a week to recieve what was promised to me while this trader will receive his money in less. I am claiming negligence from all 3 parties, Paypal, XXXX, and the trader known as XXXX : ( email : XXXX ) | ||||||
| 09/11/2020 | Yes |
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Web | Older American |
| In XX/XX/XXXX I had signed up for a Venmo account in order to send/transfer funds/ money to my daughter in the amount of {$62.00} utilizing Venmo 's mobile phone app. I had assigned/attached my personal checking account for the payment/transfer method. This transfer and receipt of the funds/money by my daughter was successful. Since this time I have not had any further use of the Venmo app. On XX/XX/XXXX I received an email from VenmXXXX indicating I was paid {$150.00} from an unknown individual. I basically ignored the email and did not check my Venmo account to verify the receipt of this money. On the same day I received another email from Venmo indicating a random individual has made a friend request. I did not know this individual and did not accept this friend request. Again, I ignored this email. Then on XX/XX/XXXX I received email 's indicating two unknown individuals had sent money to my account. I kept receiving email 's and money being sent by random people on various dates in XXXX. I brought this situation to the attention of my son and daughter since they utilize Venmo more often. They were both baffled why random people were sending money to my account. I do not know the specific date I Googled to research for information regarding people using the Venmo app to send money to random people which led me to read information of method 's being used as a scam of sending money using Venmo and the method being used to obtain money illegally when the money is being reversed or refunded. The information indicated it is a fraudulent scam. I then reached out to Venmo through their app to chat with a representative regarding this matter. I asked if my account had been compromised? the representative stated my account was not. I also asked if the money being sent to me is part of a scam going on with people using the Venmo app in an illegal manner? The representative basically stated these random people sending money to my account is an apparent mistake or typo sending to my Venmo account name. The representative indicated I can go into my Venmo and reverse/return the funds to the sender 's. I told the representative I did not want to do the refund/reversal in case it is part of this fraudulent scheme/scam that I had reviewed online. The representative stated it is not part of a scam and she would do the reversal/refund on her end which was completed. I still continued to receive money and reached out to a Venmo representative through chat regarding the same issue, the representative proceeded to do the reversal 's also indicating the money is being sent to me by mistake. Now again several more times in XXXX I received money again from random individuals and had another representative complete the reversal/refunds. The total amount of funds received has been calculated to be {$820.00} coming from approximately 12 random individuals. It appears the Venmo app does not have any type of feature such as a pop-up for people to review the information to make sure people are sending funds to the proper person before completing the fund/money transfer. I have not done a test myself to see if this is a feature but there needs to be some method to prevent this continual sending money by mistake or typo errors. Typing my Venmo user name does not appear to be easy that an typographical error could occur. All Venmo chat transcripts have been emailed to me and have been retained. | ||||||
| 04/19/2021 | Yes |
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| Below is a description of what happened which I posted to a PayPal community thread here. It did not happen just to me XX/XX/XXXX It happened again with a recent transaction : the transaction ( again, to the animal rescuer in XXXX but to his personal PayPal account, not to his veterinary clinic 's PayPal account as the first transaction ) but a day or two later, the transaction went through without a request for further information. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I sent money to a veterinarian in XXXX just south of the California border. It was to contribute to medical bills for a dog brought to them by a rescuer in the area. He saves street dogs from horrid conditions and death. He is a friend of a friend, I follow him on XXXX, I know he is legitimate. The donation gets converted to XXXX which may or may not be relevant. It was funded by my credit card ; I had intended to fund it from my bank account but forgot to change from the default. I am unsure if the funding source is relevant. In the memo, I had put " FOR [ name of rescuer ] / XXXX [ this is the name of the dog to whose medical care I was donating ] '' I got an email that the account was put in limitation. They asked for the DOB of the rescuer. I found this thread last night and called PayPal this morning after a pointless attempt trying to send them a message which doesn't have any way to get you to an actual person. The first rep I spoke with explained that this information is required, that they can not lift the limitation or cancel the payment. She said that the recipient would be asked the same question to see if it matches. I told her that I had almost put just the dog 's name in the memo field and I wanted to resolve this issue based on what I would have been asked if I had done that, that I was not asking someone who knows me only through my prior financial support to his rescue efforts on XXXX for his date of birth. She put me through to a supervisor. This guy told me the same thing but he explained further that this is based on government regulations and that PayPal has no choice. He further clarified that my account is not limited in any way, only that this transaction can not go through until it is resolved. Based on something I saw in their help section, though, I would not be allowed to close the account, which I prefer not to do anyway. He said that if I provided the information requested, then the issue would be resolved pretty quickly. If not, they would continue their investigation of the transaction without it but it would take much longer, possibly months, before the transaction was either put through or canceled. So I decided to leave it up to the rescuer as to how he wanted me to handle it. He said this happens often and it is ridiculous the kind of information that is requested. He then gave me his DOB. Since the vet will have to do the same thing and I don't know how quickly he will have time, we'll see how long it takes and whether the transaction is allowed to go through. Anyway, perhaps knowing that this isn't actually PayPal but XXXX requirement will be helpful information to someone here. Also FWIW, I got through to PayPal customer service by phone pretty quickly by entering the code given to me while going through the process after clicking " Contact Us '' at the bottom of the page ( any page, I think ). | ||||||
| 03/25/2015 | Yes |
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Web | Servicemember |
| Unfortunately, there is yet another problem with XXXX that I must add to my complaint : They claim that I owe an {$80.00} refund to a buyer in an XXXX purchaser and they have debited that amount from my XXXX account, even though the buyer has yet to return the purchased item to me for a refund ( this problems came to my attention on XXXX ). I plan to refund the full amount of {$80.00} on return of the merchandise, as is my stated policy on my XXXX auctions, but it is coercive and fraudulent for XXXX to freeze my account and disrupt other transactions over a purchase and refund where they are not a principal party or even the actual broker ( XXXX is the broker ). More specifically, XXXX embargoed XXXX payments to me from other buyers and claim that I still owe them ( or somebody ) {$27.00}, which I do NOT at this point in time. Because they show a negative balance of {$27.00} on my XXXX account, the prevent me from paying for my own XXXX purchases with XXXX, which is a grave concern because I 've already missed out on buying XXXX item " on sale '' and complicated other purchases. Most egregiously, however, is the following : I agreed to transfer {$27.00} from my bank account to my XXXX account to bring that account up to a zero balance because that would allow me to pay for XXXX purchases with XXXX and I figured that in the long run all of the various credits and debits would balance out to zero. I set up the transfer on XXXX XXXX. The money was debited from my bank account yesterday, XXXX XXXX, but as of today, XXXX XXXX, it has NOT been credited to my XXXX account! That 's fraud! XXXX took the money from my bank account but kept it for themselves instead of applying it to my XXXX account. I called XXXX about this problem this morning, initially spoke with line representative XXXX XXXX XXXX who was useless about fixing the problem, eventually transferred to a supervisor, XXXX ( employee ID # XXXX XXXX. Unfortunately, XXXX also refused to do anything to fix this fraud, just blithely repeating that it takes several days to effect such a transfer. That 's not the point ; the point is they already have the money but have n't credited to my XXXX account. You need to force these crooks to stop screwing over people like me and to treat their customers fairly and respectfully, especially by transferring and crediting money immediately on the requests being filed ( as they do for purchases on XXXX paid with XXXX ), not depriving clients of the use of their own money, and not playing around with floats to earn interest to which they are not entitled. And - to start with - they should never debit peoples ' XXXX accounts on the unsupported claims of third parties. The fact of the matter is that it 's MY decision if I believe it 's appropriate or not to refund money to a buyer ( as it may not be if the buyer broke the merchandise after using it, as may be the case with the buyer who currently wants to return merchandise to me ) and XXXX and XXXX should not be able to force such a decision on me and definitely should NOT steal money from me! This vertical monopoly of XXXX and XXXX needs to be broken up because it leads to abuses of power by both entities. Specifically, for my current complaint, I 'm asking you to fine XXXX and force them to immediately credit my account the full amount of money that I transferred and that is at issue with the buyer XXXX {$27.00} plus {$80.00} XXXX. | ||||||
| 10/14/2016 | Yes |
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| I have been a PayPal customer since XX/XX/XXXX with no incidents in that time. The PayPal XXXX XXXX subsidiary of PayPal Holdings has had a major security flaw that became public in XX/XX/XXXX. Specifically, PayPal 's system had a security flaw that allowed the redemption pages of electronic gift cards purchased from PayPal XXXX XXXX to be indexed by search engines like XXXX and permanently cached by XXXX. As a result, any third party knowing how to run the proper search on XXXX could access both gift card numbers and pins and drain the gift cards of all value. I purchased XXXX XXXX XXXX gift cards from PayPal XXXX XXXX XX/XX/XXXX. As soon as I learned of the security issue in XX/XX/XXXX, I checked the balances on the cards and learned that XXXX of my XXXX XXXX XXXX gift cards had been completely drained of all value by an unknown and unauthorized third party. Neither of these gift cards had been used by me, and I protected all information including the gift card numbers and pins. I note that I purchased XXXX XXXX XXXX gift cards in total, and XXXX of the cards were properly used by me, while the other XXXX were drained by an unknown third party. In total, I lost {$300.00} ( {$150.00} for each of the XXXX gift cards ). In communications that I have documentation of, PayPal has created multiple barriers to getting timely resolution of the case and the refund of the lost {$300.00}. Most of their customer service representatives have not been informed of and trained on how to address the issue, and give deflecting responses ( for example, encouraging customers to seek resolution with XXXX XXXX even though the security flaw was on PayPal 's side ). I finally reached a representative that seemed to have knowledge of the situation, and I have an open case number with PayPal, but we are now long past when I was told to expect resolution and a refund. There is extensive documentation of this problem on the Internet, for example at : XXXX XXXX XXXX This seems to be a major problem that could impact XXXX customers, and PayPal has not taken proper proactive steps to inform customers of the problem and that their gift cards may be at risk. In addition, PayPal has not provided me with timely resolution of my open case. They have created so many barriers to resolution that many customers are reporting on the Internet that they are giving up hope of gaining resolution. It appears that PayPal has realized that they have a large potential liability due to their security flaw, and they hope that by putting enough barriers to resolution in place, they will discourage customers from making it through all of the barriers. In recent responses to some customers published on the XXXX, PayPal is claiming the security flaw only lasted from XXXX XXXX to XXXX XXXX, but many customers are reporting on the Internet that gift cards dating back to XX/XX/XXXX were accessed in an unauthorized fashion. It seems like PayPal is either engaged in covering up their liability, or still do not fully understand the full extent of their security flaw. There is no way any third party could have had access to my gift card numbers and pins through me. Given that my gift cards were drained XX/XX/XXXX, concurrent with when the security flaw became public and concurrent with when other customers are reporting similar problems, it seems clear that my cards were part of PayPal 's security flaw. | ||||||
| 06/22/2019 | Yes |
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Web | Servicemember |
| On XX/XX/19, I attempted to send {$64.00} to a family member via PayPal. Upon receiving the money, she tried to accept it, only to receive an error message stating, " Sorry, something went wrong on our end. '' from PayPal. She initiated a refund to me for {$64.00}. The money never showed up. I contacted my cardholder who confirmed that PayPal still had the funds and had not released them yet. I contacted PayPal FOUR times to try and fix this problem. On the first call, I was told by a rep that Paypal, my cardholder, XXXX, and the U.S. Federal Reserve ALL had my money. Then the rep proceeded to tell me that my cardholder was LYING to me when they said that PayPal still had the funds, despite the PayPal rep telling me herself that the cardholder had the money, before switching and saying it was with the Federal Reserve and telling me to call them. Call # 2 to PayPal resulted in me being hung up on immediately after giving my name to the rep. Call # 3 led to a conference call between me, the cardholder, and a supervisor with PayPal who kept " assuring '' that PayPal no longer had the funds or any access to the funds whatsoever, and could not do anything to release the funds to me. Call # 4 FINALLY led to the truth, with the PayPal rep telling me, " I don't know why the reps you've spoken to keep insisting that PayPal has completely released the funds. ". He then tells me that PayPal could have completely released the funds back to me that day, but because it was now after XXXX on a Friday, there was nothing that could be done until the following Tuesday morning. He also confirms for me that if the reps and supervisor had not continued to lie to me earlier, this all could have been completed in the four hours that I spent going back and forth with them. It was during my call to the Federal Reserve ( between call # 1 and # 2 to PayPal ) that the representative there told me, " PayPal is lying to you if they are telling you that we are holding your funds. ". He then directed me to the CFPB to file an official complaint because, " it sounds like they are giving you false information, engaging in deceptive practices and potentially fraud. ". In the call to XXXX, the specialist confirmed that PayPal DID still have access to my money and nothing could be done by anyone " until PayPal fully releases the funds on their end. ". In the first three calls to PayPal all they did was contradict themselves, refuse to tell me the truth about my money, refuse to give me any information about who had access to my money, hound me to receive more personal identifying information ( why do they need my SSN to transfer me to a supervisor? ) while denying me information about my transaction ( why am I not allowed to know the authorization code for my refund? ), and waste valuable time instead of help me by being honest and releasing the money needed to resolve a personal family emergency. I still don't have the money and have resigned myself to waiting until Tuesday to see if the money ever reappears, but unfortunately at this point I doubt I will ever see it again. I would not be surprised if any one of the representatives or supervisor that got my personal information has already spent my money. What I went through today was unnecessary, unacceptable, and downright disgusting upon realizing it all could have been prevented if PayPal operated with honesty and integrity. | ||||||
| 02/15/2016 | Yes |
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| PayPal Credit ( formerly known as Bill Me Later ) says they have statement dates that run from the XXXX of the month through the XXXX of the following month. They also stated that interest is calculated on the XXXX of the month and if total payment is received before the XXXX, interest is not added. Interest is only added to the portion remaining on the XXXX. They also have a due date for a minimum amount due on the XXXX of every month. On to my problem ; my latest statement amount for XXXX XXXX, XXXX - XXXX XXXX XXXX had an account total of {$2200.00} due on XXXX/XXXX/XXXX. I made a payment of {$100.00} ( which was equal to or greater than the minimum required payment ) on XXXX/XXXX/XXXX so a late fee was not applied while i was waiting for additional funds and then I made another payment {$2100.00} on XXXX/XXXX/XXXX which is a day before the statement closing date. On the statement closing date. I had a balance of {$0.00} ( refer to the statements they made regarding payment in full before the closing date and that XXXX on {$0.00} is going to equal {$0.00} ). I logged on the XXXX/XXXX/XXXX to make sure that my account showed a balance of {$0.00}. It did not. It showed that an additional {$45.00} was added to my account based on the remainder of my balance on the statement close date of XXXX/XXXX/XXXX. When I contacted the company, and explained this, the started with saying " We see a payment of {$2200.00} was made on the XXXX and actually payment is due on the XXXX. '' I had to correct them that the amount paid on XXXX/XXXX/XXXX was {$2100.00} and that a payment of {$100.00} was made 8 days earlier on the XXXX/XXXX/XXXX which was well before the due date. My complaint is that even though I made a payment by the due date and still paid the full account balance before the close date, I was still charged interest even though they claim interest would not be charged if payment in full is received before the close date. It appears to me, they are processing based on the account balance of the due date and applying it on the close date and not following their own statements. I have paid the additional {$45.00} as I am trying to settle debt that has always been timely. They also refused to explain why I have not actually received paper or electronic statements since XXXX of XXXX. I have not changed mailing or email address. All this problems seemed to occur when their agreement to provide financing for XXXX on XXXX/XXXX/XXXX. This was a newegg preferred acount that was closed when newegg decided to partner with XXXX XXXX starting XXXX/XXXX/XXXX. The notice I received form newegg stated " If you have a balance on your XXXX Preferred Account, you will continue to receive monthly billing statements, and you will be responsible to make at least the minimum payment each month, until your balance is paid in full. '' I stopped receiving my monthly statements after my XXXX XXXX statement. Again, my main complaint is the that I was told verbally by the phone representative that would only supply their first name and no other form of ID number to represent who I was talking to, that interest would not if the full statement balance was paid before the statement CLOSE date, which it was. It just was not paid in full before the DUE date. If their policy is that it is calculated by the due date, I should not have been told that and would have scheduled my payment sooner. | ||||||
| 12/02/2022 | Yes |
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| I created a Paypal XXXX account to support my interest in getting involved with affiliate marketing and I understood Paypal was a welcomed partner in their ability to support the financial processes needed for the billing and collection of sales revenues. I created my account with the details known at the time because there were many different types of products or applications available and since I hadn't completely made a hard fast decision I left it opened to be added later. Paypal is one of the options you can select on the XXXX XXXX site when you make purchases. I did my best to avoid using Paypal for this because I felt it was not required to complete the transactions i needed. In the process of me making purchases and then deciding some of what i got wasn't operating the way it showed or it was more difficult than expected. Each vendor has a refund policy so for things i wanted to return i followed the policy to request my refunds. In the process of this happening with my bank XXXXXXXX XXXX XXXX - the charges appeared on my credit card statement with them - so i was working with them and out of left field i get this notification from Paypal making me aware they were looking into the problem but i didn't need to do anything. They open in investigation into something that clearly of no concern to them and made statements that they were waiting for resolution by my credit card company with had completed and closed but they never closed the inquiry on my Paypal account. I do some side work from time to time unrelated to affiliate marketing i painted a fence charge the customer XXXX he wanted to pay by credit card and i was anxious to see how the invoicing worked through Paypal. So after a couple attempts i was able to produce an invoice he could pay. I sent it to the customer and he sent his payment to me then immediately Paypal put a freeze on the funds- this was and is very upsetting to me after realizing there didn't seem to be a way around it- i waited for the stated release date - my attempt to retrieve my money at time was a notification from Paypal about needing to verify my ownership of the credit cards used in the netspend resolved refund and a copy of my bank statements and i was informed that access to my account had been restricted and i was limited in what i would be able to do. To me once i reached the end of there hold my money should have been released there was not one complaint or anything on my account. It is now XXXX and they have been holding my funds since XXXX XXXX the amount of the funds is XXXX. Even with large deposits at banks i have experienced anything like this and Paypal acts like they have XXXX accountability or responsibility or act in a way that is reasonable and customary and this is not anywhere close to that. Here is what makes their behavior even more confusing if my actions really where of a magnitude or level that i presented the type of risk they are alluding to in this erroneous and fictitious statements they made in the notes on my business account then why would my non business account be untouched. None of the actions taken make any sense at all and to me this is absolute abuse of power that has gone unchecked by the people who are suppose to help regulate these types of business but Paypal is clearly out of control. I would like my money that they have no right to be holding on to for this long | ||||||
| 08/29/2015 | Yes |
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| I 've had {$4600.00} taken from me with nothing but evasive responses from PayPal for a good part of a year. This has continued ever since they suddenly locked my account on XXXX XXXX of 2015. XXXX days later, I requested a refund for {$3000.00}. What followed has been a draining, unending experience. {$3000.00} was frozen in my PayPal XXXX card, which was unrelated to my PayPal account. The additional {$1600.00} is locked in my and my husband 's frozen PayPal accounts. On XXXX XXXX, PayPal promised they would send a check within XXXX business days, giving the following message : " Your PayPal My Cash Card refund request has been successfully processed. You will receive your check by mail on or before the next XXXX days. '' The ticket # was XXXX. I waited over a month, but no check arrived. On XXXX XXXX, I called their customer service hotline ( XXXX ) and discussed my situation with CSR XXXX. She finally admitted that they knew they never sent the check to me, but they also never tried to contact me regarding a need of additional paperwork. She requested my ID, copies of my PayPal XXXX cards, and all receipts tied to the card to be sent via email or fax to XXXXXXXXXXXX or ( XXXX : XXXX ) with the subject of 'PAYPAL INACTIVE CARDS '. I emailed them with all requested information on XXXX XXXX, 2015 and verified that they received all required personal information. After that, three weeks passed without any response regarding the refund from PayPal. They were supposed to send the check within two weeks. So on XXXX XXXX, I contacted a CSR by the name of XXXX from the compliance department and requested an internal investigation into the refund process. She checked the status of the process but reported that the compliance department had n't processed the refund since before XXXX XXXX, the day I sent the personal information. She promised to send an email to the compliance department regarding the expedited process. I waited again until XXXX XXXX, 2015 and spoke with a supervisor by the name of XXXX and requested a check on the status of the refund, and he said that XXXX never sent an email to the compliance department, or the compliance department never processed my request. The supervisor XXXX promised me a refund within XXXX business days, but neither response nor refund at the time of writing this ( more than XXXX days ). Every time I have called PayPal, they have put me on hold for at least XXXX minutes. PayPal has kept over {$3000.00} of my money since XXXX XXXX, over XXXX days. Unacceptable. This reeks of fraud and scam. This is beyond reproach for such a large business. Never before have I dealt with such incompetence that it seems only plausible that they are manipulating customers for gain. PayPal conducts itself unprofessionally and arrogantly regards itself as above the law. My money is losing value due to inflation and lost interest rate. In addition to the {$3000.00}, they also have frozen {$110.00} in my account plus an additional {$1500.00} in my husband 's account for XXXX days. They have caused undue financial hardship to our family. This has been a horrible experience I would not wish on anybody. I am requesting a full refund ASAP. I would also like compensation for emotional stress, the many hours spent calling and waiting on hold, losses due to inflation and missed interest accrual, and I would like a written apology. | ||||||
| 05/31/2017 | Yes |
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| OnXX/XX/XXXX, the negative balance on a linked family member 's account ( XXXX ) was successfully resolved through a PayPal balance transfer. However, prior to today, 3 of my PayPal accounts became permanently limited due to sharing information ( IP address and phone number ) with XXXX. The accounts were XXXX ( my primary business account ), XXXX ( my personal PayPal ), and XXXX ( my secondary business account ). As detailed in previous complaints, the main reason for these accounts becoming permanently limited were due to participation in a restricted activity through the use or creation of other PayPal accounts in order to circumvent an account with a negative balance. I never knowingly participated in this activity, as the negative balance was unbeknownst to me until my primary business account ( XXXX ) was permanently limited. Upon learning of this linked account with a negative balance, I contacted PayPal to receive instructions on how to resolve the negative balance, and the linked account ( XXXX ) is now current and has a {$0.00} balance. Quoted from PayPal 's response to a previous complaint on CFPB : " Additionally, your Account shares your full name, credit card, phone number, IP address, computer , street address, Social Security Number, and mobile device with another PayPal account ( " Third Account '' ) registered under the email address XXXX, which is limited due to information shared with the Second Account, XXXX. '' This clearly states that my primary business account ( XXXX ) was permanently limited due to sharing information with a negative balance account. In addition, in previous complaints, I have addressed PayPal 's questions about the products I sell. I do sell computers and components, but so do tens of thousands of other businesses. In addition, refunds issued to customers were not due to a lack of ability to fulfill orders, but through customer requests to cancel the order ( these are all documented through my account on XXXX, with buyer 's remorse or a better price elsewhere being the primary reasons ). Finally, my proven track record of selling success and customer satisfaction can be seen through my stellar sales records in both XXXX and XXXX PayPal accounts. Hundreds of transactions were successfully carried out with a very marginal return rate and only 1 dispute ( which was honored in my favor ). Across both of my primary accounts, there have been zero cases of fraudulently placed orders, due in part to my great measures put in place to prevent fraudulent orders from going through. In conclusion, the negative balance on a linked account ( which caused the permanent limitation on my Paypal accounts, XXXX, XXXX, and XXXX ) has been successfully resolved onXX/XX/XXXX. I am a state registered business, and have provided PayPal with invoices, tracking numbers for all orders, manifests, and government ID 's. This should establish that my account is not high risk. I respectfully ask that PayPal remove the permanent limitation from my accounts ( XXXX, XXXX, XXXX ). There is no reason for these accounts to be limited any further, as the negative balance on the linked account has been successfully resolved. I have not, and will never carry out any actions which violate the PayPal User Agreement, and I look forward to continuing a mutually beneficial relationship with PayPal. Thank you for your time and consideration. | ||||||
| 08/01/2021 | Yes |
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| Im reporting PayPal for scam my money for {$2700.00}. Dispute ID in PAYPAL : XXXX Chronology as follow : 1. PayPal merchant issued me an invoice on XX/XX/XXXX for products in total of {$2700.00} include shipping. Payment terms are installment payment without time deadline. But its stated in the invoice, that if in any events buyer change mind and cancel purchase there is 5 % restocking fee that i take as cancellation fee. Invoice no is XXXX. Its PayPal invoice. Not PayPal merchant private company invoice. 2. On XXXX XX/XX/XXXX i dispute the transaction estimated case closed on XXXX XX/XX/XXXX. 3. Package returned back to the merchant XXXX XX/XX/XXXX. Which means 16 days ago. 4. XXXX XX/XX/XXXX case changed from item not delivered to item significantly different without my permission nor paypal contact me to ask my permission. 5. XXXX XX/XX/XXXX i complained to PayPal and case changed back to item not received and the progress wiped and back to square one. 6. XXXX XX/XX/XXXX i submitted complaint towards Paypal to CFPB with report ID XXXX. 7. XXXX XX/XX/XXXX PayPal response to my CFPB complaint as follow : " Consumer Financial Protection Bureau, which is an independent agency of the United States government responsible for consumer protection for financial companies operating in the United States. Your complaint is regarding a payment that was made using your PayPal account. Upon further review, we have determined that your account in question is not a U.S. PayPal account ; therefore, it is outside the scope and jurisdiction of PayPal 's United States offices. As such, we are unable to address the concerns within your complaint. '' I have 2 questions regarding response from PayPal. First, Paypal operates worldwidely and not a franchise company so why would PayPal saying its out of jurisdiction of PayPal 's United States Office while the fact is PayPal headquarter located in XXXX XXXX USA?? Is this the way PayPal irresponsibly wants to escape from the fact of scamming my money of {$2700.00}? Second the merchant of PayPal that scam my money is located in USA. So is PayPal still wants to say its out of jurisdiction? 8. Today i called paypal and recorded the call where the CS admitted its still PayPal responsibility regardless where the account based. And promised to refund me for {$2700.00} after validate with XXXX that item already received back by the merchant. The merchant not responded to PayPal and PayPal does not want to do any efforts to contact XXXX and confirm if item received back despite i already submitted prove given by XXXX USA. Today i contacted XXXX USA. and got the proof of delivery that i attached here. If PayPal still does not acknowledge the proof of delivery meana its very clear of PayPal intentions to scam my {$2700.00}. 9. I will gladly share this record with CFPB if needed. And just for PayPal information, the call that recorded will be using as evidence if i report this to United States Police Force. In XXXX PayPal still not responding nor refund my money. 10. The upper management contacted previously will be also included in my report to the Police. 11. PayPal asked 1 day and 10 hours from the call made 3 hou rs ago to give case outcome and proceed the refund of {$2700.00}. If its still an empty promise and a lie also a scam. I requested CFPB investigate PayPal based on the call recording that i keep. | ||||||
| 10/29/2023 | Yes |
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Web | Older American |
| I have XXXX and every time I receive money, I am being harrassed and XXXX holds up my money. First it was holding over a sale i did for XXXX. I had to file a complaint to finally fix it. XXXX and their reps are NOT wanting simple verifications. They are wanting to treat me like some XXXX or con XXXX, snooping in my affairs instead, constantly harassing my account on transactions, which are only a few to begin with, and not even alot of money being transferred. I do not have much money! That is why at this time, I needing donations or have to sell artwork for XXXX. I have XXXX and my dog has XXXX. I am also having XXXX XXXX with all the stress and XXXX is making it worse in all this unnecessary harassment. I had a business account which could have been corrected easily! Reps did it wrong and told me wrong. each time they said it was fixed, THEY made it worse or told me wrong info to correct it. I begged and requested it e turned into a personal account from a business account because paypal could not understand I am on limited income and allowed legally to make so much a year before i pay taxes. So i had no tax forms to show. Plus its my RIGHT not to share my tax info with them. They already have what they need but keep harassing me for more info to SPY only with less than XXXX deposits worth under XXXX. They had all they needed to verify and permission to change it over to a personal account. Instead they CHOOSE to hold my XXXX money up to 6 months. FINALLY, they released info and acct. I changed it over to a personal account as they said. I have a XXXX ONLY to my XXXX page to those I KNOW. I have XXXX XXXX soon. I have XXXX donations and THEY ARE HOLDING IT for " verification '' and harassing me once again. This is crazy. I BEEN VERIFIED. The person sending it is known not a stranger. OTHERS CAN USE BANK CARD to verify just like my account but I AM BEING DISCIMINATED against, and being harrassed because they wan na dig into my affairs. I am older lady on XXXX who is very sick. why am I being discriminated against like some XXXX or XXXX XXXXXXXX. I have had acct for XXXX yrs with them. Do only part time little things with them. When i had biz i did different things and it was all under my income limits. I not doing ANYTHING WRONG. I HAVE BEEN VERIFIED when i switched this account with legal choices. this is not acceptable every time i get a donation, help or whatever! If i do business again once well and sell my paintings, i can not even dare trust them to use with such on some small business level after all this. BUT THIS TIME i was told all is well and yet once AGAIN they are holding up funds, harrassing my account. " " '' It would be different IF i were a newer account. IF I had lots of money going through these accounts which I do not. If, if, if and they know i am not. Instead of using these features and policies against scam XXXX, con XXXX, web fraud, XXXX, and things it is meant to do, THEY ARE USING IT TO HARASS EVERYDAY NORMAL PEOPLE FOR NOTMAL THINGS, ABUSING THESE POLICIES. '' '' '' This time on a personal account level. I have been verified. They have my bank card. They have my social security. THEY HAVE MY PHONE NUMBER AND ADDRESS WHICH IS THE FAMILY XXXX YR OLD SAME NUMBER. They have talked to me even from the executive office! and again they hold up funds to verify AGAIN? no, i am being harassed. It needs to stop | ||||||
| 05/01/2017 | Yes |
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| This is a system wide issue. Hundreds if not thousands of people were affected. You probably have had hundreds of complaints already. Basically Paypal was hacked. All gift cards sold by paypal digital gifts via XXXX were compromised and all of the gift cards people bought were stolen and all the amounts were XXXX upon using. Paypal has responded and after months of fighting they said they would refund the original payment method, HOWEVER, a lot of people paid with XXXX gift cards. XXXX states there is NO WAY for them to recover the gift card # 's or re issue new gift cards. So in fact paypal says they have refunded but in actuality the customer is NOT made whole again because we can not get back the XXXX gift cards. XXXX states their system was changed after the split from paypal and they are unable to locate the refunded gift card # 's. It is not typical a customer hold on to used gift card # 's months and months after they were used and we did not expect a hack. This is UNACCEPTABLE! Paypal needs to either find the XXXX gift card # 's, reissue new ones, or just refund in cash. They have refunded some of the items below including {$55.0 0} I p aid by credit card. The biggest problems are the ones they refunded back to the XXXX gift cards. No one can find out what those gift card # 's were and how to re use them! This is the email I sent paypal : Hi, here are the list of the gift cards that were stolen due to your data breach / data hack. I was refunded for a few of these already, but I am unable to determine which XXXX gift card codes were refunded and which codes correspond to each. PLEASE respond with each and every code and the value of them written very clearly in LIST format please! I have taken the liberty of listing each below. 1. {$100.00} XXXX XXXX Gift C ard x 1 O rder date XX/XX/XXXX Item # XXXX Transaction ID : XXXX - {$20.00} Coupon ( Please refund this directly to my Paypal account since I do not know coupon code at this time ) - {$80.00} Voucher ( Please credit my Paypal account or provide Voucher # so I can use ag ain ) 2. {$100.00} XXXX Gift Card x 3 Order date XX/XX/XXXX Item # XXXX Transaction ID : XXXX - {$200.00} Gift Card ( Please credit my Paypal account or provide gift card # so I can use again ) - {$55.00} Credit card ( Please refund directly to my paypal account ) - > THIS WAS ACTUALLY REFUND ED 3. {$200.00} XXXX Gift Card x 1 O rder Date : XXXX / XXXX / XXXX Item # : XXXX Transaction ID : XXXX - {$150.00} Gift Card ( Please credit my Paypal account or provide gift card # so I can use again ) - {$20.00} XXXX XXXX ( Please credit my Paypal account or provide gift card # so I can use again ) 4. {$100.00} XXXX Gift Card x 3 Or der Date : XX/XX/XXXX Item # : XXXX Transaction ID : XXXX - {$100.00} Gift Card - {$100.00} Gift Card - {$20.00} Gift Card - {$20 .00} Gift Card - {$14.00} Gift Card ( Please credit my Paypal account or provide gift card # for ALL OF THESE so I can use again ) This is very poor customer service if all these funds are not returned to me very soon. I also need you to be very clear with each and every code for gift cards, vouchers & coupons so they can be used again right away. I would much rather prefer you just credit my paypal account directly. | ||||||
| 09/04/2021 | Yes |
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Web | Servicemember |
| PayPal lawsuit On XX/XX/2021 at Approximately XXXX hours, XXXX XXXX called stating frantically that he accidentally sent me money through my PayPal account. I look I into my PayPal account and it did indeed have a balance of {$300.00}. At approximately XXXX hours I sent the money back and that was what I believed was the end of that issue. Around 1 week later when I logged into my account I noticed that not only is it in the negative {$300.00} from what I sent XXXX but they are charging me an additional {$15.00} dollars in fees accumulated! When I called in they said that XXXX XXXX cancelled the transaction and that the transaction stating that he was sending me money was pending and they lowered it to {$280.00} to top it off. So not only do they subtract XXXX dollars of what he sent, they are adding a XXXX dollar fee which totals {$30.00} in charges. Whats really frustrating is that you can see that I already corrected this mistake within 15 minutes and that PayPal at the time wasnt doing anything at the time. So I kindly asked them why I am I being attacked and a victim here of being penalized and also if they see that I gave him the money why didnt they just leave it alone or cancel my transaction. For some reason they gave me some poor lame excuse that he was able to retract his transaction, but I was NOT ALLOWED TO cancel my Transaction. So I am being penalized for doing the right thing and now also they sent me collections and now are attacking my credit! This is outraged and I can not believe I am falling victim to PayPal manipulating a situation to where they do not only take my Money, but they are now attacking my Credit. This is giving me a ton of frustration and mental anguish and I need someone to help me receive justice for them stealing my money away from me but also attack my credit. I cant believe I received a collections letter from XXXX XXXX XXXX XXXX. Account : XXXX Ref : XXXX For a bill of {$310.00} This preposterous is completely unfair, PayPal has done me a great deal of frustration, taking my personal time out of my day, giving me a disservice and a great amount of injustice in treatment causing me to have a lot of mental anguish and stress. I am a victim of credit fraud and PayPal is treating me like a criminal adding charges and completely discriminated against me when they told me that he could retract his transaction but wouldnt allow me to retract mine if they couldnt or wouldnt have seen that I already fixed the issue and that I already fixed the issue by giving the money back. But if they were going to allow him to retract the transaction, I should have every right to retract mine. Not only do they allow him and reject me. They change the amounts money that was sent by XXXX XXXX from {$300.00} to {$280.00} for some reason And Added this to my negative balance as that if I owed more for. {$300.00} to {$310.00} I am seeking for justice and now I am seeking reimbursement and restitution for the damages to my credit and for my mental anguish, stress, pain and Anxiety. I am looking to hold PayPal accountable for credit fraud for this was never owed to them and discrimination for allowing him to get away with not only retracting his transaction to crediting my account but then changing the amounts when I complained. This is unjust and I need help. Thank you, XXXX XXXX Cell : XXXX Email : XXXX XXXX | ||||||
| 03/29/2016 | Yes |
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| This is my followup complaint for my initial complaint I am again stuck in the same problem i.e. I ca n't able to buy gift cards from Paypal 1. We all know that security problem is resolved based on the Paypal response ( can be able to purchase on XXXX XXXX XXXX ) so now what? 2. I did n't make any profile change nor accessed from different location so now what? 3. Now we all know there is increase in activity which means after my purchase on XXXX XXXX XXXX a decent expectation has been set for increased activity. Can PayPal able to prove that it is not really blocking people selectively from buying gift cards beyond reasonable doubt. Cheers Thiru Response On XXXX XXXX, XXXX, you created a PayPal account ( " PayPal Account '' ), at which time you agreed to PayPal 's user agreement ( " PayPal User Agreement '' ). From XXXX XXXX, XXXX to XXXX XXXX, XXXX, you attempted to send various payments to PayPal XXXX XXXX for the purchase of gift cards ; however, these payment attempts were declined through the PayPal system. Our internal security model prevented these payments from being completed as intended. While we recognize this can be a frustrating experience for you, this security system helps uphold the safety and integrity of the PayPal community. Our internal security system takes into account several factors to assess potential risk associated with a transaction. I 'd like to assure you that your security is our top priority. Therefore, we must take measures to help keep PayPal XXXX of the safest online payment methods. The following risk factors were identified, but are not limited to : Increase in Activity - You recently began sending multiple gift card funded payments for the purchase of gift cards through eBay and PayPal XXXX XXXX. Profile Changes - You recently made changes to your Account profile including adding gift addresses and accessing your Account through a new mobile device. This activity can be suspect of unauthorized account access within our system. As such, in an effort to manage risk, we made the decision to limit the ability to make payments. PayPal 's actions in preventing your transfer of funds was done in an effort to help protect your Account from unauthorized access. As outlined in our User Agreement at Section XXXX, " In order to manage risk, PayPal may limit the Payment Methods available for a transaction. In addition, Payment Methods may be limited if you make a PayPal payment through certain third party websites or applications. '' On XXXX XXXX, XXXX, you contacted PayPal Customer Service in relation to your denied payment attempts. The PayPal representatives attempted to assist you with completing your payments ; however, our internal security model prevented your payments from being completed. During the course of your phone call, a PayPal representative advised you that, due to the number of failed payment attempts, you may not be able to complete your payment as intended. Though this information is correct, we apologize for the lack of professionalism you experienced during that contact. We have used this opportunity to conduct additional training and coaching to prevent this from happening in the future. Further review of your Account shows that on XXXX XXXX, XXXX and XXXX XXXX, XXXX, you were able to successfully complete purchases to PayPal XXXX XXXX for the purchase of gift cards. | ||||||
| 12/04/2021 | Yes |
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| I have had a PayPal account since XXXX. I am a freelance writer in the XXXX. I receive US dollar payments from clients in the XXXX and XXXX. For years, I have been content to withdraw my earnings through PayPal directly to a local bank in the XXXX. PayPal automatically converts my dollars into Philippine pesos but at a low conversion rate, so I lose value. Just earlier this month, I opened a XXXX account. With this account, I obtained US bank account details. I also opened a US Dollar-denominated account in the Philippines. My intention was to withdraw my dollars from PayPal without PayPal converting my US dollars into Philippine pesos. In this way, I get full value for my money when I convert it into pesos when the exchange rate in my country is higher. On XX/XX/XXXX, initiated a test transfer of US {$50.00} ( Transaction ID XXXX ). I had previously added the XXXX account as a payment method and linked it as a bank account. PayPal even verified it. I understood that since the XXXX was a US bank account number, the transaction will go through ACH. I should not even be charged for the transaction. And yet, PayPal charged me {$1.00}. I was told that the transfer will be completed on XX/XX/XXXX. On XX/XX/XXXX, I was informed that my XXXX account denied the transaction. So, I coordinated with XXXX. They never received it. They would not have denied it if it was XXXX. Through a long conversation with PayPal, I understood that it was PayPal that denied the transfer. They refused to transfer the PayPal balance in US dollars in my account to my US dollar account in XXXX. I suspect that it is because PayPal wants to earn money from the transaction. If I withdraw in US dollars through the XXXX, there should be no fee. But if PayPal only allows me to withdraw in Philippine pesos, PayPal will earn through th conversion fee charges. PayPal is requiring me to add a debit/credit card to my XXXX bank account so that I can withdraw in dollars. However, my XXXX bank account is a virtual account and th account number has 16 digits like a credit card. PayPal says that XXXX account does not exist and the branch in NY of XXXX does not exist. That was the initial reason for them denying the transfer even if the bank account belongs to me, virtual or not. They are both my accounts. And I only transferred {$50.00} to myself. PayPal says that the TransferWise US bank account details I had added as a payment method on PayPal is considered by PayPal as a " local '' account and PayPal will only allow transfers in my local currency ( Philippine pesos ). I think this is unfair, stopping me from transferring my US dollars in PayPal ( where it doesn't pay interest ) to a US bank account or to a Dollar-denominated account in the XXXX. I asked if I can wire transfer the dollar PayPal balance to myself but PayPal replied that I have a to place the transfer in Euros first. That would mean that PayPal will earn when it converts my dollars into euros and it will also earn when I transfer my dollars to myself. PayPal 's policies are all meant to ensure that only PayPal earns. A PayPal user such as myself will not reap the value of my money. PayPal limits my options on how to use my money. PayPal is holding my US dollar balance captive. I can only withdraw my US dollar balance if I consent to PayPal converting it first. How is that fair? That is not fair. | ||||||
| 05/18/2023 | Yes |
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| On XX/XX/XXXX, I made ( 2 ) purchases with an XXXX seller ( located overseas in XXXX XXXX ) I've had successful transactions with in the past -- -namely, negotiating a price, agreeing to the offer from the seller, then receiving the merchandise at the Post Office since the parcels were directed to a po box XXXX The ( 2 ) purchases were as follows : USD {$330.00} and USD {$240.00}. The order was packed into a single package and sent via XXXX with the tracking information as XXXX # XXXX. The item was received on XX/XX/XXXX after passing through US customs and delivered by XXXX to the USPS Location at XXXX XXXX XXXX, XXXX, XXXX XXXX. After we checked the tracking, we attempted to check our po box for the calltag at our po box and not to find one on XX/XX/XXXX. We contacted XXXX, the Seller to inquire about the package. The seller quickly responded with the XXXX tracking information that showed the package was delivered to the US Post Office. And was told to check with the post office again, so we went back to the USPS office location and inquired with a USPS postal employee at the customer service counter only to be told that they have no way to track receipt of a non-USPS package to our po box . So at this point, we decided to bring the matter to PayPal 's attention asking them to inquire about the package on our behalf. We provided the tracking information and was told in 3 days that our package was delivered by XXXX and that someone signed for it on the day of the delivery being XX/XX/XXXX at XXXX XXXX XXXX XXXX Unfortunately no one from our household picked up the package given there is one key to access the po box . And our son is still at his regular Monday math tutoring class from XXXX to XXXX. After PayPal stated that someone signed it even against our word that no one did and the fact that we've done similar transactions and received many other parcels from the same seller in the past, that it was not true. They denied our claim, denied our appeals. We then reached out to XXXX directly since the seller and PayPal said they can't help us any longer and we are on our own. We reached out to XXXX and explained the situation. The XXXX recovery team investigated the matter and contacted us with 24 hours and told us they confirmed on their GPS tracker that the driver indeed made the delivery to the US Post office at XXXX XXXX XXXX and left it at the docking bay. So in XXXX words, it was delivered as specified and we're no longer pursuing the investigation. They suggested we reach back out to the USPS again for assistance. So we completed an online form at the USPS website stating what transpired on XX/XX/XXXX. Within XXXX hours, a manager of the USPS reached back to us stating they investigated the matter, searched high and low for the package but could not find it. And said to reach back out to the seller, PayPal or XXXX for assistance. According to PayPal, we can't re-request another appeal. To XXXX, since we went to PayPal for help, they washed their hands of helping us. To the seller, he lives by the XXXX tracking that showed someone signed it for it -- -- despite our pleas we did not do so. We have a XXXX XXXX XXXX son who saved up his birthday, allowance and gift money to purchase ( 2 ) irreplacable toys from a seller whom we've dealt with on a positive note only to be denied a refund or the products. | ||||||
| 07/14/2022 | Yes |
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| PayPal Case ID : XXXX Disputed amount : {$890.00} USD Buyer info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date XXXX XXXX XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$890.00} USD Additional Info Note from XXXX XXXX : No Cardholder Authorization Item details Item name : XXXX XXXX XXXXXXXX XXXX ( XXXX ) Item number : XXXX Quantity : XXXX This is a problem related to several cases of fraudulent activity on our website ( XXXX XXXX XXXX XXXX ). This is one of the cases that was closed in the buyer 's favor with no investigation ( by credit institution ) of the reported case to PayPal. Several unauthorized purchases were done through our website without us noticing it. We sent out the items purchased to find out later they were fraudulent purchases. We reported these purchases to our website platform and to PayPal ( our checkout platform ). PayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do anything about it. I insisted because the orders kept coming in, I reported the IP addresses as coming all from XXXX ( I reported it to them as well ) and basically I could not do anything about it. Then the cases against us for unauthorized activity came through, we have 5 closed cases with a chargeback in favor of the buyer and 4 open cases, there will be more coming. In the case of XXXX XXXX we have recovered the item by intercepting the shipping. We have agreed with PayPal to refund the buyer the money for the purchase, but the more than {$200.00} in shipping plus the recovery fee XXXX charges is still a cost we incurred in. XXXX Info : Your shipment XXXX Estimated delivery The delivery date will be provided as soon as possible. Past Event Label Created Past Event On the Way Past Event Return to Sender Requested Current Event Returned Pay Pal does not respond other than through the message center. They tell me that the credit institution has the final saying and PayPal has nothing to do with it because the buyers placed the claim directly to the credit institution. The credit institutions have never contacted us and we have no way to contact them because that is PayPal 's not sharable info. PayPal authorized these transactions even when they did not meet their criteria ( unmatching zip code, address, and/or CSC ) XXXX PayPal assures its clients to have high technology to detect fraud and that we can rest assured of transactions being monitored. They also encourage us to report suspicious activity and fraud for them to act in our favor. Not the case. They insist to treat every transaction separately and wait until the buyer places a claim. So we can not even treat the whole as a fraud of many transactions with them, because they don't see it that way. So in this case, PayPal is not using their protection against fraud, but making us responsible for unauthorized credit card use as if we would have stolen people 's information and charged their cards. Pay Pal marked each transaction as OK to ship! This fraud if not addressed correctly will cost our company thousands of dollars. We are a family business and our business was at all moments acting in good faith and trusting PayPal 's service as a checkout platform. That is why we pay for what they do. They surely have insurance that protects them against this kind of situation. | ||||||
| 07/12/2022 | Yes |
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| On XX/XX/2022, I attempted to open a Venmo account, with XXXX. I have other XXXX accounts. On XX/XX/2022, I received a poorly formatted and suspicious email asking me to click a link and submit personal information for violating some User Terms, however no information was provided. See email below : Hi XXXX, Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government- issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. Acceptable forms of ID include a driver 's license, state ID card, US passport, US XXXX, or green card. The name on your photo ID should match the name registered to your Venmo account. You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? ticket_form_id=XXXX XXXX XXXX. For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. Thank you, Team Venmo So, I logged into the Venmo site to verify if this was a valid message from them. I contacted support on XX/XX/2022. They were also acting really evasive and not answering my questions and kept urging me to click the link. I asked them to close my account, because I felt uncomfortable with them collecting my personal information, under the guise of me committing some sort of rules violation, and they refused to close the account. I was denied to close the account. I told them that I wanted to close the account, and all of their responses just tell me to click the link. I am not doing that. They will not speak to me, close the account, or offer me anything other than the option to click the link and submit my personal information. That isn't going to happen. I have requested them to close this account, and they don't have any right to collect my personal information to do so. I feel they are trying to extort my personal information in order to comply with my account closure request. In addition, they have not specified what sort of account activity I have performed that is against user terms. I feel that this is a scam to gather more of my personal information and has nothing to do with any violations I have allegedly committed by merely attempting to open an account. You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi there XXXX, XXXX here with Venmo Purchase Support! I'm sorry you're running into this issue. I'll be more than happy to help you. Allow me to take a moment to check your account. I see that the Account Specialists sent you an email on XX/XX/2022. Once you have replied to that email with the information they requested, they will be able to further assist. If you are unable to locate that email, just let me know, and I can escalate up a new ticket for you. Please note, that replying to the Account XXXX who is already working on your case is the fastest way to get in touch with the Account Specialists. Please let me know if you have any questions regarding this process. My Best, XXXX XXXX | Venmo Support THIS EMAIL IS A SERVICE FROM VENMO. | ||||||
| 07/20/2018 | Yes |
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| I set up a paypal account usong my business name after that i sold an item on XXXX for {$2100.00}. I sent the item and the buyer recieved the item and was happy with it. When my funds finally became available. Only then my funds were put on a 180 day hold for no reason. They i was told my account is lonked to another account which i proved that i do not have nor have i ever had a paypal account before this. Then they said it was because i needed to change the name on the account. So my SSN number is currently linked to this account. My home and business adress are linked to this account. My photo id with my legal name is linked to this account. Amd my government issued cell phone is linked to thos account. Additionally i was required to send 15 additional documents to prove who I am. After i had done so they then told me that paypal does not do name changes and that i needed to wothdrawl my funds and close the account and reopend one on the correct name. Problem is they will not allow me to do so.. After figbting with them and sending over 75 emails and 120 phone calls later. I recieved a phone call from paypal on XX/XX/XXXX. From the account review department. They stated they had reviewed my account and were going to release my funds early and i will ne recieving an email eith further instructions. The next day, XX/XX/2018, i recieved the email from someone named XXXX at the account review department. It stated they reviewed mu account and are releasing my funds. It went on to explain how.. When i attempted to do so it still was not available. I then called paypal only to have them tell me that they never said that. Then when i told them i can provide them with a reclrded phone call and the saved email they retracted that statement and told me that it they a retracting that overturn on my money. Another " supervisor '' then told me that it was in error and they made a mistake.. Not sire how that would be a mistake as i physically spoke with a paypal representative who called me and then recieved a email. After that i explained to them that they were in violation of there own policy by providing me with false documents as well as violating the colorado state Money transmitter laws which they hold a license for, which states that they are only legally allowed to withhold funds for up to 10 days.. Well here we are 3 and a half months later and nothing. Additionally they are witholding {$2100.00} of my hard earned money for no reason, in an interest bearing account. They are making money off my funds and giving me no access to this money whatsoever. Furthermore i sent an email, a letter by mail and verbally told them that I do not give them any permissions to hold my funds in an interest bearing account without giving me any access to said funds.. I have said this two them now 9 times and they just ignore me.. I provided every single thing paypal asked for. I followed all of paypals rules amd regulations. But still they have {$2100.00} of my money and will not lrt me have any access to these funds. They say in case of charge backs, but the problem with that is that if the buyer were to do a charge back at this point. It would be an illegal charge back and would be fraud therefore they would not even pay the buyer out anyway. So there claim of holding my funds for 6 months in case of chargebacks is not possible.. | ||||||
| 05/20/2021 | Yes |
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Web | Older American |
| PLEASE ESCALATE THIS TO SENIOR STAFF - Paypal did not make any attempt to resolve this last case, Complaint Number XXXX, and is lying about providing a way for me to log on to my account. They cite a phone number that is not mine and AT NO TIME WAS I PROVIDED A WAY TO ASK THEM TO CALL ME ON A LAND LINE WITH A CODE. I have tried this at least a dozen times since then and nothing happens when you do not provide a mobile number. At this point, I want this account closed and the company investigated for ADA violations and deceptive practices. Here is the original complaint : This involves two significant issues with paypal : 1 ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the ADA and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. 2 ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from XXXX but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled XXXXXXXX charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by XXXX. In no case were they authorized to withdraw money from this or any other bank account. I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend. | ||||||
| 05/21/2020 | Yes |
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Web | Servicemember |
| I purchased a kids water table from XXXX on XX/XX/20 and paid a total of {$52.00}, including shipping, via PayPal. After not receiving any order confirmations, shipping notifications or the product, I contacted the seller on XX/XX/20 via the Contact Us link on their site. No response. On XX/XX/20, I sent an email. Still no reply. On XX/XX/20, I logged into my PayPal account to find out how to cancel the payment. Thats when I noticed that the transaction showed a shipped status and XXXX tracking number, so I went to the XXXX site to track it. The tracking status showed the package had been delivered on XX/XX/20, but I had never received it. We have been at home under quarantine, so there was no way we missed a package that size that I had been waiting for. I submitted a lost package claim, assuming it had been delivered to the wrong house. I then noticed that the shipping info showed the package weight as 0.8lb, which I found suspicious. The water table by itself was about 12lbs, plus it came with accessories. At this point, I did a XXXX search for XXXX scam and ironically one of the search results was a thread on the PayPal Community page with hundreds of complaints about this company. Countless stories of people who have been defrauded out of their money, and PayPal continues to allow it. They have been put on notice many times and refuse to address the issue. https : //www.paypal-community.com/XXXX I immediately started my claim with PayPal, explaining all of these details. On XX/XX/20, I received an email from PayPal stating that my claim was being denied because they received tracking from the merchant confirming that the merchandise was delivered. Even more irony that on my daughters birthday, I was denied a refund for the birthday gift that never arrived. Whats even more insulting is that PayPal makes it clear that there is no appeals process and they make follow-up nearly impossible. I am livid that the so-called investigator had the nerve to state the merchandise was confirmed delivered when clearly the item that was supposedly shipped does not match up with the item I purchased. If a 0.8lb item was delivered on XX/XX/XXXX, it was probably thrown on the table into a pile of random mail. Ultimately, if it wasnt something I recognized or expected, it would have been thrown away with the rest of the junk mail. By XX/XX/20, I would not have been able to make a connection between something like that and the large vibrant toy I ordered. Today ( XX/XX/20 ), I went back to the XXXX site to check the status of their claim, but it showed the search had been canceled. I called customer service to ask what that meant. They informed me that the shipper had requested the investigation be canceled. Again, suspicious! Any legitimate seller would actually communicate with their customer and would want to find out what happened to the product. In this case, they already know, because they never shipped it! So, of course I couldnt let it go. I studied the tracking info some more. XXXX XXXX XXXX XXXX XXXX sounded expensive, so I decided to find out how much it would actually cost to ship the item I ordered. I pulled up the products package dimensions from the manufactures website and plugged them into the shipping calculator on XXXX site. It would cost approximately {$360.00} to ship that item via that method. | ||||||
| 03/22/2021 | Yes |
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| In mid XXXX I tried to perform a few activities via PayPal and found my account was locked. When I looked into it I had an alert that stated the following : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. '' The information PayPal was requesting is as follows : Upload a photo ID Provide proof of your address Provide information on account activity Submit your bank statement In an era of heightened security awareness and sensitivity to Private Personal Information ( PPI ) being tossed about online, I am very opposed to providing PayPal, a simple financial transfer agent/middleman and not a bank, the requested information. It is completely unwarranted, unjustified and overreach. This company already has my social security number, personal address and my bank account on file. To ask for additional personal information about my identity and the ability to have insight into my financial business ( how I spend my money ) is completely unreasonable and in my opinion overreach. This is a key activity we as online consumers should be protected against. So, finding contact information on PayPal to speak to someone live is difficult, so I started with their chat service on or around XX/XX/XXXX looking for an explanation into my " questionable '' activities. But as that chat is not manned or answered promptly a few days of correspondence went back and forth with little explanation or resolution. Finally I found a customer support phone number and was able to speak to a live person on or around the first week of XXXX. I explained my reservation for sending information and asked for the specifics around my " questionable '' activities so we could clear it up. Their first explanation was a transaction that occurred mid XXXX. This was a monthly transaction I receive from my roommate and I had them look back and verify the standard monthly contribution, which they did. Following, as a second excuse, they said I had too many devices logging into my account. I do have multiple devices that I access PayPal through, as does everyone. They continued to refuse to unlock my account unless I provided them with the requested PPI, which I refused. I then escalated two levels up the management chain while on the phone for almost three hours explaining my reservations on providing PPI, reverifying the information they are concerned about, and requesting my account be unlocked, which they refused. I've been a customer of theirs since the early XXXX, without incident. PayPal is not mandating this request to all their customers, and have singled me out, unfairly, without clear explanation or resolution options. They are holding my money in the account hostage unless I provide the requested PPI documentation, not allowing me to withdrawal or utilize my funds for traditional purposes. Their only workaround is my waiting 180 days until I was told the account will unlock itself ...? I looked through some of the Community comments posted on the PayPal site and you'll see this is a larger issue with many similar concerns/complaints. | ||||||
| 01/10/2017 | Yes |
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| On XX/XX/XXXX, I asked a friend of mine if she could help me transfer {$900.00} dollars from a bank account of mine into another account of mine. The bank account holding the {$900.00} was with XXXX ( XXXX ) and they restrict customers from transferring more than a few hundred bucks a month to an external bank account. So XXXX suggests that its customers use apps like Venmo and PayPal when they need to transfer above XXXX 's limits. I wanted to close out my XXXX account, so I needed to get that money out of the account. So my friend linked my XXXX account to her Venmo account at my request. She then sentthe {$900.00} to my Venmo account and I immediately transferred the money into my primary checking account that was fully linked and confirmed in Venmo. I 've been a Venmo member for couple years and have never had any issues using it. My friend joined just to help me transfer the money and afterwards she closed her account. The next day the money had n't hit my bank account. I wanted a few more days and still nothing. After getting in touch with Venmo they said the funds were being " investigated. '' My friend and I both contacted Venmo 's support team on quite a few occasions to find out what the hold up was and when we could expect to see that {$900.00} returned to either of our Venmo accounts. Venmo was incredibly difficult and evasive with us. Emails went unanswered and their support team would simply leave in the middle of chat sessions we initiated to get updates on the situation. Just before XXXX, Venmo informed me that my only recourse was to reach out to local law enforcement to get the money back. I could n't believe it - Venmo was holding my money, not my friend or anyone else. After that, they basically stonewalled me. Their terms and conditions document explicitly states that after 30 days, Venmo releases any and all funds being held as part of an investigation to one of the parties in the original transaction. It 's been 30 days and they have n't done that. Last night I got an email from Venmo saying my account was frozen. They asked me to send a picture of my driver 's license and bank and credit card statements in order to release the freeze, which I did. A couple hours later they replied and said I 'd violated their terms and conditions ( but did n't give any details as to what specific terms I violated ). As such, they closed my account and banned me from ever using Venmo again. The last paragraph of that vague message was particularly harsh - it read : " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email '' Venmo has essentially stolen my money. They wo n't even return it to my friend or to my now closed bank account. I 've never had any of the payment apps keep my money like this before - not even PayPal or XXXX. What should I do to get my money back? Oh and just to put it out there - there 's nothing more to this story that would justify Venmo 's actions. This money was n't stolen or drug money or anything remotely like that. It was just money I'dd earned working and needed to get out of a bank account that I did n't like using. There was n't anything sketchy going on like money laundering. I do n't even know what I did to get myself banned from using the app ever again. | ||||||
| 07/11/2022 | Yes |
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| On XX/XX/2022 I tried to send my balance of {$75.00} to my credit card ending in XXXX. I triple checked to make sure that this is where the money was being sent, the attached screenshot is what I was able to view when trying to send the funds, so it was confirmed that the card ending in XXXX was the one to receive the funds. Instantly the funds were sent to a different card on my account ending in XXXX, which is not the card I selected at all. The problem is not only that the app didn't function as properly, which resulted in a mistransfer of money, but every interaction I had with Venmo customer service was either unhelpful or straight up deceitful. The 1st interaction I had ( XX/XX/2022 ) was almost immediately after the funds were sent to the wrong account, I had used the app chat function to talk to " XXXX XXXX '' to explain the situation and she said that she would take care of it and send the funds to the correct card ( XXXX ) within 30 minutes. I was not able to screenshot this conversation, but I'm sure they have this conversation on file. Of course the money was not transferred, so I waited several hours and contacted customer service again through the chat function ( XX/XX/2022 ), had the new rep review the conversation, only for them to tell me there was no way to transfer those funds and that the 1st representative " XXXX XXXX '' had given me misinformation. I asked this rep to escalate to management, and they said I would receive a phone call within 24 hours. They told me to contact my bank ( XXXX XXXX ) to see if I could reverse the charge, I called ( XX/XX/2022 ) and my bank redirected me back to Venmo customer support Of course, I never received a phone call from a manager so I called in again ( XX/XX/2022 ) and was met with another rep who I had to re-explain my case to. When I asked to be passed on to a manager again there was no response, and basically I heard no sound coming from the other end of the line. I don't know if it was a tech issue or something but again, extremely frustrating. I called a 4th time today ( XX/XX/2022 ) and once again told them all of these issues, was finally redirected to management who told me they couldn't help me despite this being Venmo 's fault entirely. They were very rude, and said that the app showed no error on their end, but I know for sure I selected the money to send to XXXX. I asked " the manager '' to submit a bug report so this didn't happen to other people, and once again they were very dismissive and said that there was no record of this issue so they didn't need to file a report. I was very skeptical so I looked online and immediately found another individual who had experience the same issue XXXX XXXX : XXXX If there are 2 individuals experiencing this problem and reporting it, then there's got to be many many many more who have experienced this issue as well, and it is extremely irritating that the venmo manager tried to pass it on as user error when clearly this is an existing problem in the app that should be dealt with immediately. Of course my situation still hasn't been resolved which is why I am reporting this. In conclusion, faulty app from the beginning, horrible, avoidant, and honestly dishonest customer service, as well as an unwillingness to help with my problem has been extremely frustrating. | ||||||
| 05/26/2023 | Yes |
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| On the XXXX of XX/XX/2023, I awoke to check my emails at XXXX XXXX of which I noticed that my friend had sent {$900.00} as a payment through PayPal to pay in advance for her daughter 's art classes. As I followed the link in the email to XXXXXXXX XXXX website, there was a statement at the top of the main page in red that stated, " You have money on hold. Add your tax ID by XX/XX/2023 to end the tax ID hold and avoid 24 % IRS back up withholding ''. I did not know that my friend was going to send {$900.00} via PayPal, since I see this person every week and therefore, I wanted to refund her the money, so that she could pay me through another method. So, I clicked the button to refund the money thinking that it would merely send the money back to the sender, but instead PayPal took the money directly from my checking account in my own personal bank to refund the full amount of {$900.00}, which left my personal banking account in arrears. This transaction caused my Bank to charge an overdraft fee of {$36.00}. After learning of this action against my own personal bank account, I immediately called PayPal and spoke to an associate and since the call was being recorded, I began to use my own voice recorder during the middle of the conversation, so that I would have proof of the type of communication that I was dealing with. I thought that the issue would have been easily resolved, since all I wanted to do was close my account and have PayPal refund my money, but that did not happen. When the initial conversation did not lend itself to any resolution, I decided to hang up and call again to speak to another associate at PayPal. The conversation, although a little more amicable, did not lend any beneficial results for my issue. All of the associates that I spoke with stated that there was no one in any authority that could help me reestablish the money that was taken out of my personal banking account in a fraudulent manner. I did not have money to deposit at the time, so I received some money from a friend and took it to my bank the next day to stop the fire storm of overdraft fees that I would have been charged each day. for the next 60 days from waiting for the money to be refunded by PayPal. If money was sent into PayPal 's system, then PayPal should send the money back from its own system when a refund is issued. This is not the case with my claim. Instead, PayPal removed money from my personal checking account in order to pay a refund to the individual who sent a payment of {$900.00}. Two more transactions went through Paypal 's system an into my personal account in the amounts of {$100.00} and ~ {$30.00} without any holds. A third transaction came into Paypal and is being held with fees taken out and was ~ {$60.00}. It is picking and choosing what passes and what doesn't. PayPal 's faulty system of refunding money is at fault and restitution for damages needs to be made in regards to this situation. I have already notified the XXXX XXXX XXXX and received a response from Paypal 's Executive Escalations. They refuse to release funds from my account until I give them more personal information and I refuse. I do not have to send more information if I am going to close my account. Extortion is being used as a vice against the People, and withholding personal funds is fraud and theft. | ||||||
| 08/29/2023 | Yes |
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| XXXX XXXX ID : XXXX Disputed/Scammed amount : {$6700.00} USD Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX, XXXX for its blatant negligence and failure to uphold its `` Consumer Purchase Protection Money Back Guarantee '' commitment. Throughout the years, I have trusted XXXX for transactions amounting to over {$100000.00}, believing in their promises of security and customer protection. My recent experience has seriously undermined that trust. I purchased an XXXX XXXX engine on XXXX from a seller operating under the alias XXXX '. Instead of the promised product, I received a critically defective XXXX XXXX engine. When I reached out to the seller seeking rectification, not only did they fail to communicate a resolution, but they also resorted to mocking me, bragging about their scam, and threatening me ( they have my address and all my personal information ). They explicitly pressured me to close the dispute case and made veiled threats against my well-being. Acting in good faith, I endeavored to resolve the situation through PayPals recommended channels, submitting ALL the evidence of the product misrepresentation, the seller 's threatening correspondence, him bragging about scamming me, all emails, all chat logs, and even filed a report with the XXXX regarding the scam and threats. I attached my case file and a copy of the report and submitted it to XXXX. Despite this, XXXX 's response has been dishearteningly inadequate. Communication from their end has been sparse and unhelpful. To further compound my distress, I returned the defective product, costing me thousands in shipping fees. To date, my total losses stand close to {$10000.00}, a significant sum that I trusted XXXX to safeguard against fraudulent transactions. The product itself and I am asking restitution for is {$6700.00} USD The original transaction amount that took place on XX/XX/XXXX. It has been months and they are still investigating. Here is the XXXX tracking number as proof I returned the item to the address and recipient XXXX requested me to. I made sure I had the signature required to prove they had in fact received their junk back. It was delivered on XX/XX/XXXX. https : //tools.usps.com/go/TrackConfirmAction? XXXX. This case was promised to be resolved by XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX after it was delivered and I followed everything they asked me to and provided all the evidence they asked me too, then XX/XX/XXXX, then XX/XX/XXXX, and now I am sick of this. There isnt even an estimated resolution date now. It pains me to conclude that XXXX 's purported " 180 Day Consumer Purchase Protection Money Back Guarantee '' is nothing but a facade, with their real-world actions falling painfully short of their promises. I had hoped to resolve this internally, but their lackadaisical approach has left me no choice but to seek external intervention. I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and compel XXXX to uphold their commitments. I am willing to provide all relevant documents detailing my correspondence and actions taken should it be requested. I appreciate your attention to this serious matter and trust in your authority to ensure justice for aggrieved consumers like myself. Yours sincerely, XXXX XXXX | ||||||
| 01/27/2017 | Yes |
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| SUMMARY : I tried to provide a refund for an eBay transaction, but eBay and PayPal have effectively charged me XXXX times for the refund, leaving me with a negative balance of twice the original transaction amount. I sold an item on XXXX in XX/XX/XXXX, which the buyer paid for via PayPal. I informed the buyer that I was unable to ship the item until a week later, due to travel, and the buyer requested a refund. I logged into my PayPal account to issue the refund, but the refund action was rejected several times. When I emailed PayPal, they informed me that I would have to call them to have an agent manually issue the refund. However, when I called, the PayPal agent informed me that she was unable to issue the refund because the buyer had opened a case in XXXX. I informed the buyer that she had to close the XXXX case in order for PayPal to issue a refund, and she told me she did, but when I contacted PayPal, they informed me that a case was still open. XXXX sent me an email stating the buyer had closed the case, but somehow the case was still open and suddenly resolved in the buyer 's favor without any notification to me or opportunity for me to provide info. The outcome was that XXXX charged my credit card directly for the refund amount, instead of refunding the buyer via PayPal as she had originally paid. The buyer 's original payment remained in my PayPal account, and my credit card was charged to provide her a refund, which was an irritating situation but I was able to claim back the XXXX % transaction fee that PayPal had taken from the original payment. XXXX months later, in XX/XX/XXXX, PayPal notifies me that the buyer has opened a case in PayPal to claim a refund. I provided documentation of the refund that XXXX provided, to prove that the buyer had already been refunded outside of PayPal, due to XXXX 's inconsistent process. However, PayPal settled the case in favor of the buyer, again with no explanation or notification to me, and deducted funds from my PayPal account in the amount of the refund. Not only did PayPal deduct funds for the refund, but they also reversed the original payment from the buyer, which resulted in negative charges to my account of double the original payment amount. I need either XXXX or PayPal to adjust/reverse their charges so that my balance in regards to this transaction is {$0.00}, i.e. the buyer receives a full refund. At the moment, I have a negative balance of double the original payment amount, as the buyer has effectively been refunded XXXX times ( once via XXXX, and twice via PayPal ). Both XXXX and PayPal customer service have been extremely difficult to deal with. Charges have appeared in my XXXX and PayPal accounts with no advance notice or explanation. It is extremely difficult to speak directly to XXXX or PayPal agents, and they are unwilling to connect me with agents or supervisors in the XXXX XXXX dispute resolution agents say they 're unable to connect to PayPal agents and discuss the case together with them, and ask me to contact PayPal so that the PayPal agent can connect to XXXX and discuss together. However, PayPal dispute resolution agents say vice-versa, which means I 'm unable to connect XXXX and PayPal together to discuss together, even though both sides say that is the only way to resolve the situation. | ||||||
| 04/22/2023 | Yes |
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Web | Servicemember |
| I am disputing the following Unauthorized transactions on Paypal Account, XXXX : XXXX XXXX XXXX XXXX XXXX - {$27.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$27.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$45.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$45.00} TSent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$22.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$18.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$18.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$38.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$38.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$13.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$13.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$25.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$25.00} Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$22.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$22.00} XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$120.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$120.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$28.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$28.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$55.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$42.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$42.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$40.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$40.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$38.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$38.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$41.00} Paid with XXXX XXXX ( XXXX XXXX XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$41.00} Sent by, Transaction ID XXXX XXXX XXXX XXXX XXXX XXXX - {$40.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$40.00} Sent by, Transaction ID XXXX I did not purchase anything from from XXXX XXXX XXXX nor have I received anything form XXXX XXXX XXXX, This are Unauthorized Transactions and I am contacting PAYPAL and making a claim with them as well. Thank You, XXXX XXXX | ||||||
| 12/30/2022 | Yes |
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Web | Servicemember |
| On XXXX i attempted to purchase a XXXX off of the XXXX website I sell online on this platform and people sell items and I tried to purchase a phone for {$500.00}. When I went to purchase I was offered to purchase with paypal in XXXX. I sell on this platform and had just saved all my money from selling I had transfered and direct deposited into my paypal balance from items sold. Immediately everything went wrong. And my order processed through paypal so I thought I purchased rhe phone and ordered it. And noticed it was sold to another buyer and not to me.so I checked my bank account with paypal and I was shocked. They charged me 4 times for XXXX a total of around XXXX. I immediately called paypal and was freaking out. It was supposed to be pay in XXXX. So the total divided into XXXX would be my first initial payment and I set the rest to be charged onto my XXXX XXXX debit card account.which no money ever got withdrawn automatically out of this account I set uo the other payments to be bc the require u to link your bank to be approved for the payment plan. But since this sale didn't go through because the buyer sold to another buyer I find out later on that it was not even sold to me mercari emailed me a letter informing of the refund to original payment which my original payment with initial first amount was supposed to be from my paypal account but then processed I checked ny paypal balance and it charged me everytime and deducted out of my total balance. I attempted to setup this pay in XXXX because the phone I wanted to purchase wasn't going through and wasn't showing up as sold to me on my XXXX app.after I tried XXXX seperate times I noticed it was sold to another buyer. Not me. So I called PayPal and told them what happened. And they assured me that my money would be released back into my account XXXX to 10 days which I was upset about. But after 20 days passed no money was released into my account. And then on XX/XX/XXXX another XXXX was charged another 2 times on top pf the other XXXX for an item I never received and was never refunded the amount mercari emailed me that they had refunded all my money back to my original form of payment which I had arranged through PayPal pay in XXXX to take first payment out of my paypal balance and the next XXXX from my linked bank account. But since the sale was attempted 4 times it was taking the XXXX payment out of the PayPal balance I set up each time to be taken from but since sale not processed the payments we r never taken out of my bank weeks later but never released my refunded funds from this disaster I attempted to purchase the phone I never ended uo recieveijg and am out of a total of XXXX and hours and hours andhours days and days arguing with PayPal blaming ny bank to have me go to them for my money which was not ever involved at all. My paypal balance is the only amount effected and never refunded and is short exactly XXXX and they refuse to give me ny money back after I never even received this phone and deny ever taking any of my money out then denied that it was even ever there and have changed up their story so many different times every time I call its something else and something different never same thing and totally robbed me of nybmoney b I'm not going to let it go its too much I can not afford to lose | ||||||
| 09/09/2022 | Yes |
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| I'm filing this complaint because a serious legal issue arises from the dispute, i.e., where PayPal has been informed that an online transaction is likely fraud before payment has been sent by PayPal, does it have a right to continue the payment to the fraudster at the sacrifice of the consumer? Is it legally allowed to collude with fraudulent businesses to defraud consumers of their funds? Is it against public policy to serve fraudulent businesses after being informed of the fraud? Following is a complaint sent to PayPal, to which it has refused : I purchased 3 folding tables on the website of XXXX XXXX XXXX on XX/XX/2021 in an amount of {$140.00} ( {$49.00} each. No Tax!!!!!! Please see attached snapshot capture for purchase details. ) On XX/XX/2021, I received an email with so-called shipping information from the merchant with a tracking number XXXX. The shipper was USPS. I tracked the shipping immediately. It shows that the item has been successfully delivered. This confirmed my suspect that the merchant was a scammer. In addition, the merchant added that If you have questions about the shipment, please contact XXXX. The email was evidently not a valid business email account. I became alert because of the XXXX tax in view of its alleged location of California notorious for its taxes. So I called the Paypal customer service the other day on XX/XX/2021. The young lady that answered the call was very nice. I told her that the merchant could be a scammer. I explained to her why I believed it was a scammer, including the email address and the tracking information. I asked her to report to the investigation department or legal department, which I assumed to have one as Paypal is a large company, to make an independent investigation into the merchant or report to FBI so as to crack down on the scammers. The young lady was very nice and cooperative. She told me that the funds were still there, not yet paid to the merchant ; that shed create a ticket and place the funds on hold, and would contact the merchant ; if the merchant does not dispute, the funds would be returned to my bank account. She later sent the ticket to my email account. On XX/XX/2021, I received an update on my case : Your claim regarding the purchase you made on XX/XX/2021 for {$140.00} USD has been escalated and we have asked your seller for more information. Most claims are resolved within 30 days, but it may take longer. I was happy to get the update and believed that the funds would be refunded to my account. Unfortunately, on XX/XX/2021, I received the decision from Paypal : We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. We're sorry for any problems you may have experienced with the transaction ( s ). Its extremely wrong for Paypal to intentionally release the funds when it had been alerted of the fraud simply because of the fraudulent shipping information, which I had already told Paypal in the phone report. Paypal is guilty of indulging fraudsters in e-commerce. I claim refund of the funds of {$140.00} and a compensation of {$600.00} for damages arising from its intentional indulging of ecommerce fraud and damage to the public interest. | ||||||
| 04/21/2021 | Yes |
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| To Whom it may concern : On XX/XX/2021, a dispute/complaint has been reported to Venmo and was put in place regarding a security issue and fraudulent charge through Venmo. A stop payment was put into the bank on Saturday, XX/XX/2021 due to the fact that we could not connect directly with anyone at Venmo. Initial call attempts on the weekend of XXXX XXXX, with Venmo were diverted to bot chats. However, an email/chat ( only way available to contact Venmo, unless on hold for hours ) was sent to Venmo to inform them that a fraudulent charge was pending and should not be paid. I have subsequently received an e mail saying that the complaint/dispute was not substantiated. That response was on Sunday XXXX. I have tried to contact Venmo on numerous instances regarding this matter. On XXXX there was a chat with a XXXX XXXX, at which time I stated that the matter was security and fraud. The call was dropped and no one from Venmo attempted to follow up after the fact with me regarding the statement of fraud and security. On XXXX I was on the phone with Venmo for over 1-1/2 hours, ( Hold time was over 30 minutes for each person ) trying to get the matter resolved and the initial phone call was dropped when I asked to speak to a supervisor. The first phone call on XXXX was with XXXX who transferred me to a supervisor and the phone call was disconnected. I then spoke to XXXX who registered the complaint and transferred me to his supervisor XXXX. XXXX was unable to answer any questions and basically advised us that our only alternative was to seek legal assistance. XXXX advised us that the account specialists do not take direct phone calls and her manager does not take direct phone calls. She advised that documentation to substantiate the claim would be necessary to reverse the claim. However, the bank is stating since I stopped the payment there is no basis for a claim. I received an e mail after the initial phone call on XXXX was dropped from a supervisor who said they looked into the matter and reiterated that the charge was not substantiated. First and foremost, the customer service at Venmo is horrific. The fact that we can not get someone on the phone that can assist in an attempt to find a resolution to the matter is beyond frustrating. Second, the inability to contact a live person directly to report fraud and security issues seems a bit disconcerting. The only documentation that we could provide is a letter from the bank that states we reported the pending charge as fraudulent and put a stop order on the charge. Venmo was advised at that time that the pending charge was fraudulent and not to pay the monies. Venmo was informed on several occasions that this was a Security issue and Fraud. Venmo continues to have this charge as outstanding and paid the Fraudulent recipient. I have no idea if they even investigated the account that received the monies XXXX XXXX. In addition, I have had no prior connection on Venmo to this account, nor have I ever transferred or received that amount of money. I am a college student and I am finding this an extremely difficult situation. The fact that my credit could be compromised due to the fact that an entity such as Venmo does not follow up on complaints is beyond my comprehension. Desperately in need of assistance. XXXX XXXX | ||||||
| 10/24/2022 | Yes |
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| My friends sent me approximately {$6000.00} $ XXXX ) on XX/XX/XXXX. On XX/XX/XXXX ( I'm the receiver ), Venmo directly SENT MY MONEY BACK TO SENDER, reversed my transactions WITHOUT my agreement. I was very furious and I contacted them on XX/XX/XXXX and questioned them how they could have the rights to do so. They suggest me to contact my friends again and let my friend pay me through other ways. My friends owed me {$6000.00} and if he no longer responded to me after Venmo reversed payment back to him, I would have to suffer the loss. Im very disappointed as venmos attitude is pretty bad and they are not actively trying to solve the problem for me. Based on the customer service, they told me that my account was at high risk and it triggered their alert so based on their policy they have the rights to do whatever. However, when I asked them why my account is high risk and why they think I violate the policy, they refused to tell me! They told me this could not be disclosed. I don't know how several transfer could make my account high risk. I had more transfer on XXXX and XXXX and there are no problem at all. The other horrible part is that I did not get any any notification or request for further infos when they decided to reverse the transactions on XX/XX/XXXX. Im a Venmo customer since XXXX. During the 9 years I never had any problems! I did not use venmo to receive money very often. Last week, my friend sent me around {$11000.00} including the {$6000.00} venmo reversed to him as those are the money he owed me. This is the first time I used venmo to receive relatively big amount of money and it was a one time thing, and Im surprised Venmo moved my money on their discretion without my agreement. The ridiculous part is that I was told by Venmo customer service that " When you initiated your bank transfer, it was flagged for review. It was found that that payment could not be fully processed, so your bank transfer was canceled and the funds were reversed back to the initial sender '' The confusing part is that why it would cause an alert when I'm transferring my money???? This doesn't make any sense. If any bank or money platform can move customer 's money on their discretion how would any one be able to use these platforms at ease. I don't think any of my behavior violate any policy or is inappropriate. Those are the money my friend owed me and those are my assets. What's wrong when I'm trying to transfer my asset from venmo to my bank account? Venmo refused to disclose why my behavior is inappropriate and took away my money without my agreement. When venmo has the concern they did not investigate or ask me for further info, instead they moved my assets at their discretion and they could not provide me an appropriate reason why they could do so. The so called " high risk '' is baseless. I was more shocked by their attitude of solving the problem. Now Im contacting my friend to see if he can send me money again and I haven't heard back from his yet, however if by extreme case he no longer responded, i will be suffering {$6000.00} loss and pursue the lawsuit. I think how Venmo dealt with my money is very intolerant and Id love CFPB to get in and help me to push them to get a satisfied answer for me. Id like venmo to reverse their action and return my {$6000.00}. | ||||||
| 11/24/2019 | Yes |
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| Hi, I was given your contact information from a case manager, XXXX XXXX, from XXXX XXXX XXXX XXXX - Michigan 's Congresswoman. This email would be regarding a complaint that I have for PayPal who are currently holding my funds which are essential in running my small business due to a permanent block that they have placed on my account ( Case # XXXX XXXX. This all started when I was conducting my business transactions with them until I received an email stating that there is a temporary block on my account as they have listed a few transactions in which they wanted to verify that the products that I sold to the customers are being delivered to them. After providing all the necessary documentation which includes their order numbers, tracking information and estimates of their delivery, their customer service representative mentioned that they would expect my account to be re-opened sometime the following week. However, that following week, I received a different email stating that my account is permanently blocked due to what PayPal believes is a risky business model. To determine exactly what this risky business model is, I contacted their customer service and received very limited information and also some lies were also stated by their team. They did not provide any evidence as to why my business is considered risky and they will not release my funds until 180 days and would not even continue doing business with me. Most of my customers ' orders have been delivered in a timely fashion and all the customers are also happy with their products. As per the current statistics, 947 orders were made, and 500 of them were made in PayPal, and I delivered more than 50 % of my orders up to now, and the others are on the way. I can provide any documentation with evidence stating this, and also know that my business model is not risky, as I sell XXXX XXXX XXXX, which are not part of any restricted items which PayPals services have in their User Service Acceptance fine print policy. I need an answer to know why my business is risky and they can not keep my money without providing an answer. I have been using my personal savings to ensure that each customer would get their products on-time, but I can not keep doing this going forward. Ive gathered all my savings from working at XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and also from my current job. I have had the honor of serving the XXXX of Michigan with all the relevant background checks being performed by the FBI and they still are accusing me of having a risky business. If my customers are satisfied with their orders and I am delivering what I promised, how can my business model be risky? I need an answer which I havent received yet. I need your help in getting to the bottom of this and assist in getting my account re-opened. I wanted to use the funds to eventually one day grow my business in Michigan, and with the current situation, I might be forced to close it. Based on the research Ive had, PayPal has done this to many small businesses, and they are not responsive to small businesses with limited funds. I believe if I was a big corporation they would listen. So, the only way, I can get my voice heard is with your assistance. Please help me. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX | ||||||
| 09/10/2019 | Yes |
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| On XX/XX/2019, I and my girlfriend decided to seek alternatives to her current medical treatment. For the last 4-5 years, she has been suffering from XXXX and XXXX, most notably in her XXXX XXXX along with a XXXX XXXX. During this time span her body has deteriorated in some capacity and in no small part to the endless supply of pharmaceuticals shes been asked to take by her doctor where, as she puts it, " is rotting her from the inside out. '' It was on this day that we chose to break Wisconsin XXXX laws and seek alternative treatments that could potentially provide her with some relief. We then found XXXX - an online website that would distribute ( ship ) to our address after being denied numerous times by other websites due to outdated and archaic laws in this " free '' society. Since we can not move because my son is XXXX years old and enrolled in school in the city we reside in, we decided it was worth the risk to send payment via PayPal to the people I was directed to which I will provide detail of in the next section. To make a very long story short, in the end I spent {$750.00} on product, shipping, and insurance to receive NOTHING from the distributor. Here 's where this gets really convincing. The entity claimed to utilize a website called https : XXXX - and if you are to look at this website, I think you would be quite convinced of its legitimacy. Next, to insure this product, I was again asked to post another payment to a group that would then refund me the money once they delivered the product. I will say that it was at this point that I really began to question what it was I was buying, but again, as a person that is desperate to not witness his ailing girlfriend suffer any longer, I pushed aside my skepticism for the hope it would aid in her health. All in al I utilized to purchases through PayPal - One for {$380.00} and the other for {$360.00}. After discovering that my doorbell never rang for delivery, I then reached out to the websites ( Shipping & where I purchased the product ) and did a live chat with their so-called employee. A live person came on only to laugh at me and block me. Granted, days earlier this is the same live chat that guided me on payment. Upon being denied any sort of resolution through the entity I purchased from, my next step was to file two disputes with PayPal. Both disputes were denied per their rules of purchase agreements with " friends and family. '' That part I understood. The part I didn't understand was I received an email from PayPal with the language " Need to cancel? You can cancel your payment within 30 minutes as long as the recipient hasn't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I received this email from them on XX/XX/XXXX at XXXX XXXX. I was on the phone with them by XXXX to cancel both transactions. The reasons these emails came through on XX/XX/XXXX was they both accompanied the dispute emails, which I'll provide, that came back claiming they ( PayPal ) was DENYING my dispute. In other words, even though there was obvious fraud happening, PayPal is claiming they are helpless to help get my funds back and then blatantly lying right in their email that I have the option to cancel when no option was available. | ||||||
| 07/11/2016 | Yes |
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Web | Servicemember |
| I 've been a member of the eBay and PayPal community since 2000. I only sell things intermittently but have run into serious and costly problems only recently. I listed several XXXX XXXX XXXX collector item statues on eBay for sale in their online auctions, all used with descriptive pictures. Every one of them sold and as eBay forces you to use PayPal for all of your transactions as a seller, I also had to use this service to transfer money. eBay and PayPal charge a 15 % fee between them, raking in lots of money. In my auctions, I listed that I do not accept returns or refunds and all items are as is. I also stated the requirements of my auctions, XXXX Mail XXXX shipping, damage insurance and signature delivery, and of course, no international sales. After receiving these items sent by insured mail, I began to receive notices of 'not delivered ' or that a buyer is complaining due to 'item not being as described '. I accepted XXXX items as a return due to damage and filed insurance claims, not because I wanted to but because both eBay and PayPal literally forced me to. PayPal withheld funds from my balance and even forced me to take refunds in situations I found were to be fraudulent. Despite proving that I was being defrauded and even their customer service agreeing with me and claiming 'that buyer has done it to many others ', they ruled in favor of the buyer and forced me to accept refunds on these items. As if that was n't bad enough, they send messages to the buyer telling them to keep the items. Now I 'm out for the loss they take from my paypal balance, or even hitting my bank account, and the collectible that I was forced to take back is still in the hands of the buyer that defrauded me. Not to mention, the fees totaling a minimum of 15 % of the selling price, I still have to pay. This is blatant fraud, but their response is to hide behind their unconscionable user agreement I never signed. Simply because I logged into their website, I supposedly agreed to their terms. I did n't agree to be defrauded, or to lose my things and have to give a refunds, plus pay fees. I look online and see various websites that are laden with comments that eBay and PayPal find in favor of the buyer in nearly every single issue. All a buyer has to do is to claim they did n't receive something at all ( despite their signature on the package from USPS ), or that the item they purchased was n't received 'as described ' and they automatically issue a refund before any other notification is given to the seller. No matter what evidence is presented, they issue a refund, then they tell the buyer to keep the item! I see what the CFPB does with debt collection companies, this is no different. They are acting as a third party and enabling fraud with disregard for the law. They must be stopped! I see various state lawsuits for XXXX violations and even fraud, but this belongs to the CFPB! Please get involved in this, they 've cost me well over {$1000.00} in less than a month. As they tried to take another {$520.00} from my personal bank account, I had to close my account, my card and dispute the charges. I never agreed to this! I 'm a XXXX veteran with XXXX children at home, a full time student and XXXX. It was suggested to contact you. Thank you for your time and consideration. | ||||||
| 09/20/2019 | Yes |
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| I did a 3 min paypal credit I thought in XXXX via my XXXX account. On XX/XX/XXXX I got an email " reminding me '' that my paypal credit account was available for use. Notice that the email states that to see the balance I needed to " link '' my credit account to my paypal. The account would NOT link even though the information I input was CORRECT. So I was told to call 3 different numbers XXXX. I was kept on the line for 2 hours to finally be told that the account was linked to XXXX! This is NOT my " in use '' paypal account and it was apparently used only once in XXXX to pay with a prepaid card. I was eventually able to access the XXXX account and NO PAYPAL ACTIVITY IS EVER RECORDED ON IT! XXXX keeps emails and my welcome email is dated for today! So it looks like they created it today to explain why I couldn't link the XXXX account to paypal credit. From this experience it appears that Paypal and XXXX XXXX ILLEGALLY grant you a paypal credit account and then make it unusable until they can extract credit check information from you to make it legit. They then have you call in and pretend to " help you '' fix it and ask you a bunch of security question so that they can " run a credit check request in reverse ''! It culminates in them locking the paypal account and then them asking you to send in your picture ID to the never really used paypal account so as to seal the deal! I believe that giving people credit that they didn't apply for is illegal and hence doing a credit check approval in reverse is also illegal. On my XXXX is where you see the email was sent so there should have been NO WAY OR REASON that I would have applied to paypal credit using the XXXX account! You will see that after I REFUSED to provide ID and closed account they then " restored the use of the XXXX account ''! The first email said that the account was locked until I ran a virus scan, but when I logged on to the account it was actually asking for a photo id! I'm attaching the email that " reminded me '' of my paypay credit account CLEARLY sent to my XXXX account which I clearly use with them ; the email where they said it was blocked because of a virus, the screenshot that shows that I've not had any activity to the XXXX account with a " welcome '' dated from today ; the email that shows that after I informed them there would be no id sent and to cancel the account my account was miraculously restored, and lastly that I use virus protection. It appears that I had a bank on the XXXX paypal account so I'd been " verified '' already AND I use a virus scanner ALWAYS! I thought that it was XXXX where I had the XXXX attached account and the WELCOME email from XXXX dated from today substantiates that thought. In sum, Paypal and XXXX XXXX are illegally creating paypal credit accounts for consumers and making them unusable to get the consumer to call in so that they may perform a credit check in reverse to confirm the information. I did NOT authorized them to perform a credit check, and I didn't send in my id. I did confirm my account information. This needs to stop as it's illegal under the FCRA and punishable by a {$1000.00} fine per incident. This was filed against both paypal and paypal credit as both were involved. If you want me to also include FTC.gov directly please advise. | ||||||
| 07/10/2023 | Yes |
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| On XX/XX/XXXX PayPal Reputation Manager, XXXX XXXX, sent out a press release to the mainstream media stating that PayPal had " booted '' me from their services and falsely accused me of violating their policies. This fact was untrue. She was discriminating against me because of my political beliefs, as the company does not cancel those who are not XXXX or XXXX politically. This is a violation of my Constitutional Rights, as well as a violation of Federal Law and PayPal 's own Privacy Policies. PayPal 's agent contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX to share my private financial information. This personal information was shared broadly throughout the mainstream media and all over the internet. My private financial information went viral and became world headline news in 1 hour. My fundraising efforts were destroyed and the world was calling me a con artist, grifter and it was humiliating and mortifying to see my name in national headlines like this : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This destroyed my reputation, I had to close my business and change my name. The next day after this happened, my office in XXXX kicked me out due to publicity. All of my businesses were destroyed. I was heckled in public. I was shunned by vendors and contractors and clients. The next day I was also canceled from all social media accounts, including XXXX and XXXX, where I have been a XXXX XXXX XXXX for 15+ years. This created a cascade of cancellations and brands that canceled me publicly, including XXXX. It was and still is a nightmare. I ended up filing suit in Federal Court against PayPal in an attempt to stay out of arbitration, due to the expense of arbitration, and because I wanted to go before a jury of my peers. The Judge ruled that my case must go to arbitration, therefore, because I clicked a button to " accept '' PayPal one time in XXXX, Paypal has the right -- for the rest of my life -- eternally to require that I go to arbitration no matter what they do to me. Even though PayPal canceled the contract, I am forever tethered to this horrible arbitration agreement. I tried as hard as I could to find representation for the arbitration, however, no attorney will take my case for less than {$350000.00}. And, they tell me that it will be hard to win because arbitrators traditionally rule in favor of the big corporation in order to get repeat business. I do not have {$350000.00} to take up for myself against this billion dollar corporation. This has caused me enormous effort, expense, energy and left a trail of turmoil, hurt and financial damages. I have tried to settle with PayPal, but they are adamant that they did nothing wrong when they shared my financial information with the press and lied about me violating their policies, and discriminated against me for my political views. I will not rest until this matter is resolved. PayPal needs to pay for the damages they've caused, as well as be punished for violating the law and their own contract with me -- and prohibited from putting people in life long, eternal arbitration agreements, regardless of what PayPal does to harm consumers. This is unfair and I need formal resolution through a higher power in the United States Government. This can not stand. | ||||||
| 04/16/2018 | Yes |
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Web | Older American |
| I bought a puppy ( dog ) and paid the breeder via PayPal - one ( 1 ) payment of {$600.00} as a deposit then another payment of {$1100.00} to complete the purchase. however, with the {$1100.00} payment PayPal subtracted {$32.00} for service fee - So, i now owed the Breeder {$32.00}. So, i went into paypal to send the breeder {$32.00}. previously sending {$1100.00} i just edited the {$600.00} ( sent as the deposit ) to {$1100.00}. so this time i tried to edit the {$1100.00} ( previously sent ) to {$32.00} but instead of letting me edit the notice popped up {$1100.00} has been sent to the merchant. so, another {$1100.00} was being process which should not have happened. Basically i stopped the payment with my bank and tried to explain to paypal what happened in which they have no understanding and have threaten to send the {$32.00} to debt collection and loss of my Paypal account. I told them since i could not get them to cancel this transaction i paid the merchant with a separate transaction of {$50.00} a little more just in case Paypal was going to take a fee out of the {$50.00} - so the merchant has been paid. but now i have a negative balance of {$32.00} Paypal is demanding i pay. My last communication to them is who do i owe this to? I have not received a response but keep getting these notifications about debt collection and loss of usage of my papal account- below is the actual communication thru their Resolution Center. Trans ID - XXXX ( XX/XX/XXXX ) I mistakenly authorized this payment thinking setting it up would allow me to edit the amount to {$32.00}. However, the payment went in for {$1100.00} and I could not cancel it. I tried to explain and transaction XXXX was created but this was on the assumption {$1100.00} had been sent to XXXX XXXX there was no money sent or received because I had no choice but to stop payment from my bank account as this was the wrong amount. Ive been asking you to cancel both of these transactions. On XX/XX/XXXX I paid XXXX XXXX {$50.00} via Trans ID - XXXX to make her whole for the {$32.00} I owed her. Paypal you dont get to fleece me for {$32.00} for using your system to pay a merchant with no way to fix or change it. If PayPal is still insisting I owe this merchant {$32.00} Please cancel my account and I look forward to having a governmental agency take care of this and if you refer a non-actionable charge to a collection agency it will cost you dearly as you know how they can be in stressing the general public out over payments. Again all you have to do is cancel/erase Trans ID - XXXX and XXXX and show me with a {$0.00} balance. By the way who do I owe the {$32.00} to? As XXXX XXXX has been paid with a {$600.00}, {$1100.00}, then a {$50.00} Payments look at the activity. You have done a terrible job in resolving this and if you were forthright in researching the matter youd understand but sticking to telling me what how Paypal will send this to collection etc.. will not go over very well when I begin to write Paypal Corporate Leadership. ( This is what i keep getting from Pay pal ) " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 29 days or more. The amount owed today to resolve your negative balance is {$32.00} ''. | ||||||
| 09/12/2018 | Yes |
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Web | Servicemember |
| For the past 3 days my attorney has attempted to send me a refund for services/ Retainer via PayPal . Yesterday, XXXX, XXXX I finally called PAYPAL to find out why I had NOT received the XXXX refund she sent to my via PayPal, She actually sent the refund two times for a total of XXXX dollars. After staying on the phone for more than XXXX hour, The tech determined that my cell number was not confirmed in the PayPal system. I was unaware of this because I could see my phone number on the screen after I updated it, but for whatever reason the number was NOT validated and could NOT be validated by me. It was not until I called PayPal technical support and was taken through a series of security steps etc that I was I able to get the mobile number validated in their system. In the meantime, we learned that the original XXXX refund was accepted by someone with a Paypal account that had my number. Apparently, this person XXXX XXXX did not update his cell number in the system even though he no longer has that number. When my attorney realized that the money went to the right number but the wrong person she called Paypal to try to get my refund back to me. I was joiuned in on the conference cal which went on for more than 2 hours. We went round and round with the Paypal supervisor trying to get him to explain how my cell number could be used by someone else. Paypal refused to acknowledge any security issues or explain how someone received my refund. The supervisor would only say that cell phone numbers are recycled and they can not be responsible for the fact that the person accepting the money is still using his old cell number on his Paypal account. Nor, are they responsible for the fact that he did not update the number on his account. After going around in circles for nearly 2 hours and 31 minutes, the supervisor hung up on us. I am confused as to how the same phone numbers can stay in their system? I also don't understand what type of security PaypaL is offering if as the supervisor said cell phones are recycled constantly and they have no control over whether users are updating their mobile numbers on their accounts. My attorney was basically told that it was her problem. Is that true? Does Paypal have any responsibility? I called again this morning ( XX/XX/2018 ) and spoke with XXXX. I wanted to try again to get the XXXX refund resolved. Again, I asked if my phone number couldn't be confirmed because it was in use on another Paypal account? How did this happen? How can we get the money back? My attorney is out XXXX dollars. We got nowhere. I was told to have my attorney call again ( 3rd call ) and report the refund theft. XXXX also said I shouldn't be worried about it because its her loss and that the person who fraudulently accepted money not meant for him didn't do anything wrong?? How could that be? the money is NOT his nor is the phone number. This seems strange to me that they refuse to address the issue of recycled cell numbers stored on accounts in their system. Does that mean that money is sent to wrong numbers all the time? Nowhere on their website does it say send at your own risk or update your cell number before you process a refund It seems to me they have a security issue that they haven't addressed or do not know how to address. | ||||||
| 08/25/2022 | Yes |
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| At XXXX on XX/XX/2022 I received a payment from a customer in the amount of {$3600.00} with the remaining account in my PayPal balance of {$3400.00} Immediately following the deposit, my account was placed on temporary limitations by PayPal XXXX not allowing me to transfer, refund, or request any money using my PayPal account ( but I could still receive funds ). I filled out the requested form, and submitted it back to them within minutes. Then, I called PayPals customer service center where I was directed to a lady who helped me fill in the blanks on the details of my company. She then said there was nothing further she could do, and that she would submit my information to the back room for review. I was told this process could take up to 3-5 days to complete. At XXXX on XX/XX/2022 I received another notification from PayPal : After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. I called the PayPal customer service center again on XX/XX/2022 at XXXX and spoke to XXXX in the Limitations department for a duration of 53 minutes. I asked what happened because this surely must be some sort of mistake, as Ive always had an active account with PayPal for years, and this particular account had been in use for about 2 years and is tied to my business account. He then read off the same email that was sent to me ( as shown above ), and said there was no other information he could give me when asked what the violation was against my account. I then asked to speak to someone who could possibly explain better, and he said yes then put me on hold. A few minutes later, someone answered then hung the phone up. I placed another call to the customer service center at XXXX on XX/XX/2022 where I was put on the phone with an employee in the Account Limitations Dept. I explained the situation, and asked her if she could possibly give me answers. She said, the information is proprietary. And we can tell you but we wont. I explained that there must be some sort of mistake, and I reviewed the PayPal guidelines, and my account shows no indication of any violation as stated per their terms. She said that she couldnt give me any more information, and they will not be doing business with me. I then asked if there was a way to appeal this decision or possibly dispute the case, and I was told there was not. I had no options ; they werent willing to even look back and see if a mistake had possibly been made. The decision was final and my account, money, and personal information ( including my business tax ID ) is now theres for the taking. | ||||||
| 05/13/2020 | Yes |
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| Hello, I am writing as I am very concerned about PayPal 's electronic invoicing feature. This feature allows an accountholder to send a virtual invoice to specific party via email so that party can then click to electronically pay this invoice. I was never informed that these electronic invoices can be transferred from the addressee to another party for payments. The details are as follows : We rent furnished apartments. Various parties contact us to rent our units. Once we arrive at the rate, the terms and conditions, we send a PayPal invoice to the specific party 's email address with their specific name. This party can then pay the invoice to secure the rental. We were never informed by PayPal that their digital invoices could be transferred and paid electronically by unknown parties. This practice of allowing random, unknown parties to pay invoices subjects PayPal accountholders to tremendous liability. In this instance, XXXX XXXX XXXX made an agreement with an agency to rent an apartment. An electronic PayPal invoice was sent to the agency. That agency subsequently forwarded that invoice to another Third Party and the invoice was paid by the Third Party unknown to XXXX XXXX XXXX. That party later requested a refund from the agency. When they were unable to secure a refund from the agency they filed a complaint against XXXX XXXX XXXX stating that we violated the terms of an agreement. We never had any prior contact with this client and our invoice was not addressed or emailed to this client. Instead of referring that client back to the agency with whom he consumated the transation, PayPal deducted {$5400.00} from our account stating that the client did not receive the items he purchased. The item the party paid to purchase was for a stay in an apartment in XX/XX/2020 - he would not have received the item as his stay dates are Augsuts. He informed PayPal that an agent forwarded him the invoice and they paid with the understanding that they could cancel with 60 days notice. Given the number of payments received, we can not know that an unknown party is paying a given invoice - we assume that PayPal will only accept payments on electronic invoices from the party to which it was addressed and sent via the PayPal portal. This is a dangerous practice. We make an agreement with a party and send a PayPal electronic invoice for payment. That party then sends it to another party, makes completely different represenations, and PayPal holds the sending party accountable. As users/customers, we are relying on the tools that PayPal provides - there is no disclaimer that indicates that Customers/Users should use these tools at their own risk. PayPal has a fiduciary responsibility to ensure that they are not accepting payments on our behalf from unknown parties - especially when the invoice was not addressed nor sent to that party. If a party pays an invoice that is not addressed to them - they are subject to the terms and conditions of the party to whom the invoice was sent - especially electronic invoices. PayPal has no right to make the invoice issuer responsible for issues occurring between the invoice recipient and unknown parties. I am writing to request that we be refunded from the chargeback to our account in the amount of {$5400.00}. | ||||||
| 04/11/2016 | Yes |
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| I had a PayPal credit line through XXXX XXXX Bank. I opened the account several years ago when I was offered a " special discount '' for making a purchase. I used it possibly XXXX3 times and always paid the credit line off quickly. Beginning last XXXX XXXX, XXXX through XXXX XXXX, XXXX approximately 45 transactions were made using my line of PayPal credit : none were done by me. I contacted PayPal in early XXXX after pulling up my account statement, and asked about the transactions. First I wanted to know why I was never contacted about these? In the past when using my regular PayPal account, I always received an email stating the company I was purchasing from and the amount I was spending. Not once had I received any email regarding the many transactions ( " money sent '' ) nearly daily for over an entire month. PayPal said that I could report these transactions and that they would send me an email and the appropriate paperwork to file the fraud claims. They also suggested I change my password, which I did. I never received an email. So I called again to check on the status. It took a number of weeks before I received a form letter dated XXXX/XXXX/XXXX which stated there was " no suspicious activity detected on my account and the information on the account verified me. '' I was given the right to complete an enclosed affidavit and the opportunity to file a police report regarding the fraud claim. I did both and mailed the completed packet on XXXX XXXX, XXXX. The XXXX, XXXX XXXX, of the XXXX XXXX XXXX XXXX Department ( XXXX, SC ) was very helpful. He called less than a week later and stated, " According to his investigation none of the transactions were done by me, anyone in my house, anyone in the state, and appear to have been done outside the XXXX '' Twice last week, I received collection calls from PayPal Credit stating I must make a payment on my past due account. Once last week, I was transferred to PayPal Customer Security Operations to speak with a representative. The first time I talked with them, they had no case number or information on file from the fraud report I had filed. After I gave XXXX the case number, officer 's name, and phone numbers where he could be reached, she said they would look into the claims and that it would take a while for the information to go through the process. Then in my conversation on XXXX XXXX with XXXX from PayPal collections, she heard my statement that this account is under fraud investigation. After putting me on hold, so that she could talk to her supervisor, she came back and said there is a note on my account that gives the police report and verifies the investigation of the fraud claim. I asked her to be sure my account was still closed so that no more fraudulent activity could occur. She said that the account was currently open, but that she would be sure it is closed. I explained that each time I have spoken to PayPal, I have requested it be permanently closed, but whenever they refuse to accept the transactions as being fraudulent, they reopen the account. She assured me it would be closed. I checked today to see if it is closed and if PayPal is truly investigating my fraud claims. XXXX at PayPal Customer Security Operations stated that my account is closed and is under investigation. | ||||||
| 11/22/2021 | Yes |
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| On XX/XX/XXXX, I bought a pair of skis using Venmo. I selected the option to confirm that I was paying for a Good/Service and paid a fee in exchange for receiving Venmo 's new buyer protection. I received the skis I bought on XX/XX/XXXX and found them to be in a condition significantly different than as described. First, the bases of the skis had significant damage that, while repaired, compromised the function and durability of the skis. Additionally, while the seller had described the ski as " freshly tuned, '' it was clear that the ski was not freshly tuned. See attachment in which I explain all of this and provide a documentation of the discrepancies. Venmo has said that their purchase protection program " will be eligible for coverage under Venmos XXXX XXXX XXXX, meaning the buyer and seller may be covered if the transaction doesnt go as expected '' and that " goods and services transactions are ideal for customers who may occasionally sell an item or service or for customers purchasing a higher priced item from someone they dont know. '' These statements informed my decision to toggle the " payment for good and services? '' option and pay the fee. They describe my situation exactly. I read Venmo 's terms and conditions and attempted to resolve the situation with the seller. The seller declined to accept a refund despite acknowledging the discrepancies in description that I identified. Upon the buyer declining to provide any refund, I submitted a complaint to Venmo on XX/XX/XXXX to apply for the purchase protection. I explained the situation, provided copious evidence, photos, and documentation. Please see my first attachment : " XXXX - XXXX Significantly Not as Described Complaint XXXX. '' Venmo acknowledged receipt of my complaint on XXXX XXXX. A customer service rep said she would escalate my complaint and that someone would reach out to me " within XXXX business days via email. '' XXXX " XXXX - XXXX Significantly Not as Described Complaint XXXX. '' I received an email confirming that Venmo had opened my case. The email confirmed what the rep said : that they would investigate my dispute and reach out within XXXX business days. See " XXXX - XXXX XXXX Venmo transaction XXXX {$240.00} XXXXXXXX '' XXXX ( or not ) : no one reached out to me within XXXX business days. By XX/XX/XXXX business days and XXXX calendar days after Venmo said they opened my case, I hadn't heard anything from Venmo, so I sent an email to the email address identified in the case opening email ( XXXX ) with my case identification information to ask for an update. See " XXXX - XXXX XXXX Update of Dispute XXXX. '' Now, it is XX/XX/XXXX - XXXX business days later ( XXXX after my case was opened ) and I haven't heard ANYTHING back from Venmo. This is seriously frustrating. I don't have enough money to just have XXXX bucks tied up by Venmo for weeks on end. I paid to have purchase protection ( seller and I agreed on a price of {$240.00}, but I paid {$240.00} to enable purchase protection ) because Venmo represented in its public materials that it would cover situations in which I received an item that was significantly not as described. I relied on this representation and Venmo is TOTALLY IGNORING my emails and complaint. Totally deceptive and abusive. | ||||||
| 05/20/2022 | Yes |
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Web | Older American |
| We are asking you if you could please force paypal to to immediately and completely remove any bank or credit card information thats linked to our deleted PayPal accounts. PayPal has engaged in fraudulent practices with my wife and myself. A couple months ago they allowed a fraudulent person or person to set up a fake paypal account using my wifes personal info, then lied to us, insisting that products had been sent to our address, and refused to make any adjustments to credit our checking account for this fraud. Their claims were proved to be untrue by the local police department, which investigated, and proved that nothing that paypal insisted that we received was ever delivered to our address, rather, items were delivered to other addresses in our town. Yet, despite police department proof, paypal still refused to correct their collaboration in this fraud. Then a couple weeks ago, I received money from a vendor through my paypal account, and when I tried to receive it, paypal locked my account, saying that and I quote their email : After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. They also returned the funds to the vendor, and I have still not received them. In addition, even though I have attempted to close my account, they are refusing to allow me to remove my bank account information, again I quote their email : Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. But I do not want any account with such unscrupulous people. We have repeatedly tried to resolve these issues with no success. Not only is it very difficult to even find any way to effectively communicate with them, but in addition, they consistently refuse to admit any wrongdoing on their part, insisting that we are in some unknown way responsible, for example : their insistence without any evidence or explanation that, as they say in their email quoted above : After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. As a result we no longer have any interest in doing business with such devious and unscrupulous people, and we have attempted to close our PayPal accounts. They have failed to comply, and refuse to remove bank or credit card information thats linked to our PayPal accounts. However, especially given the hacking and ransomware that is so prevalent today, we must insist that they completely remove any bank or credit card information thats linked to our PayPal accounts. They refuse to voluntarily do so, so we are contacting you to ask that they be forced to immediately and completely remove any bank or credit card information thats linked to our PayPal accounts. We hope that if they are forced to do so by legal means that it will protect us, and hopefully any others that have been so arrogantly treated. | ||||||
| 12/04/2020 | Yes |
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| This is urgent as thousands of U.S. consumers are being impact in the peak of holiday shopping are being frauded. The scam this site, a/k/a XXXX, is running is very widespread and somewhat sophisticated. They are trading under several names, but " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX.XXXX '', " XXXX '', " XXXX.XXXX '' appear to be more prevalent. They advertise certain brand products that may have a retail price of {$50.00} to $ 500+ dollars at an attractive discount, then, 4-12+ weeks later, ship a completely different product to show a tracking number delivery. Examples range from people buying appliances and being shipped little plastic toys to just garbage being placed in the parcel. I think they intentionally delay the shipments ( despite customers paying for expedited shipping ) hoping customers forget about their order and to get past the statutory dispute periods on many credit/debit cards policies. The merchant has exploited a process loophole in PayPal 's fraud resolution procedure - when the order is disputed by the customer, XXXX provides the tracking number as " proof '' it was delivered. It seems like PayPal 's resolution specialists don't look at the photos of the contents of the parcels compared to the actual items ordered. Requests to the merchant to send the correct product, issue a refund, or provide a means to return the incorrect items sent are met with only template responses that do not in any way answer the questions or concerns posed - the responses are all generic. All inquiries seem to receive a delayed response of 5-10 different templates offering anywhere from 5 % to 50 % refund in exchange for keeping the product - none references anything about the issue or anything specific about the order. I think they have a bot auto-responder on a timer and not even a real customer service person reading the email. Regardless of the template, all of the responses say something along the lines of it costs a bunch of money to ship it back to XXXX which often exceeds the dollar value of the order and the customer is responsible for the shipping and also risk for the product in return transit - they request the customer " keep it or give it away as a gift '' in exchange for a nominal credit. They ship from a U.S warehouse in California, but demand the product be returned to XXXX ( not even a real address in XXXX ) at the customer 's expense. The email addresses used are all XXXX webmail providers and not a URL of the actual company. There is no phone number to reach them and the US warehouse address is a third-party XXXX fulfillment center that handles import/export orders. Take a look at the hundreds of examples in the PayPal Community threads. XXXX searches will reveal thousands of consumers being scammed ( many using PayPal as the means of payment ). This appears to be happening to PayPal customers in XXXX as well. Some U.S. consumers are even alleging certain front-line employees at PayPal may be in on scam which is why the dispute resolutions are not working and the wide-spread scammer is not being shutdown. This represents both a SIGNIFICANT LEGAL AND REPUTATIONAL RISK FOR PAYPAL. https : //www.paypal-community.com/t5/forums/searchpage/tab/message? XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/16/2017 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I purchased a computer motherboard from a foreign based online retailer. At first I was hesitant due to the foreign nature, but I made the purchase due to the strength of the paypal brand and made the purchase via Papal expecting I would be backed by their money back guarantees. After purchase I received no communication from the seller regarding the purchase. I emailed the seller and also received no response. On XX/XX/XXXX I contacted PayPal and on their advice opened a non received claim. After the claim was opened the seller sent the tracking information. In the middle of XX/XX/XXXXI finally received the item. However, I discovered it was not functioning correctly. Due to the nature of computer components it took me two weeks to determine it was indeed the motherboard that was non functioning and not a related part. To be specific the XXXX slots were not functioning correctly. Initially, I contacted the manufacturer to attempt an XXXX replacement. However, the item had the serial information marked out with a black sharpie and did not qualify for an XXXX with the manufacturer. I subsequently contacted the seller and attempted to work out a return. Eventually the seller offered a partial refund with no return, but this was unacceptable as the product was unusable. I contacted paypal and they changed the non received claim to a item as not described claim. The seller agreed via paypal to a refund upon receipt of the return. Paypal customer service " guaranteed '' I would get my money back. The seller provided a shipping address and per paypal instructions I shipped the item and provided the tracking information. I accidentally mistyped the tracking information by one digit and the online form did not allow me to alter it so I called paypal immediately to correct the tracking information. Unfortunately the seller did not provide an address that was deliverable. The item sat in transit for several weeks. I contacted paypal again and the agent stated that I was not responsible if the seller provided address was undeliverable and again " guaranteed '' I would get a full refund. I was shocked when I received an email on XX/XX/XXXX from paypal denying my refund. I called paypal and the agent stated that because the tracking did not update after three weeks the claim automatically closed. The agent said again I was not responsible if the seller provided an undeliverable address but " now '' paypal would need a copy of the customs declaration form from the package to verify I sent it to the seller provided address. I was not previously instructed to keep this item, only to provide tracking information. The agent stated that being the case I would need to wait for the item to return to me and provide it from the package. On XX/XX/XXXX I received the package back from XXXX and provided paypal the requested information. Again they denied my refund. I called again and the agent said the USPS tracking information was not reflecting my shipment, but she did see it on XXXX XXXX and would resubmit my claim. Again it was denied. I have done everything I was instructed to do and yet paypal refuses to honor their money back guarantee policy. At this point I feel a CFPB complaint is necessary for paypal to honor their promises. | ||||||
| 06/16/2023 | Yes |
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| XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau Subject : Complaint against PayPal for Unjust Account Limitation and Funds Hold Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PayPal regarding the unjust account limitation and the extended withholding of my funds. I believe my rights as a consumer have been violated, and I seek your assistance in resolving this matter. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX, my PayPal account, associated with the email address XXXX, was unexpectedly and permanently limited without any valid explanation or justification from PayPal. As a responsible PayPal user who has always complied with their terms and regulations, I find it deeply concerning that such severe restrictions can be imposed without any warning or opportunity for recourse. This arbitrary decision has caused significant financial distress and has negatively impacted my ability to engage in online transactions, leading to substantial financial setbacks. Furthermore, PayPal has chosen to hold my funds for an extended period of time, currently set at 180 days, without providing any valid grounds for this action. This withholding denies me access to my own funds and imposes severe financial burdens, hindering my ability to meet my financial obligations and causing further economic hardship. Despite my numerous attempts to contact PayPal 's customer support for clarification and resolution, I have received only generic responses that fail to address the specific issues at hand. This lack of transparency, communication, and assistance has only added to the frustration and inconvenience caused by PayPal 's actions. I kindly request the Consumer Financial Protection Bureau 's intervention to address the following concerns : Conduct a thorough investigation into the unjust account limitation imposed by PayPal, demanding a satisfactory explanation for their actions. Advocate for the immediate release of my funds that have been wrongfully withheld for an extended period, enabling me to regain control of my finances and fulfill my financial obligations. Ensure that PayPal is held accountable for their inadequate customer support practices and lack of transparency, emphasizing the importance of fair treatment and effective communication with consumers. Seek appropriate compensation for the financial losses, emotional distress, and inconvenience that I have endured due to PayPal 's arbitrary actions. I trust that the Consumer Financial Protection Bureau will diligently review and address my complaint, acting as an impartial mediator to ensure a fair resolution to this matter. Your involvement is crucial in holding PayPal accountable for their unjust actions and upholding the rights and protections of consumers. Enclosed with this letter, you will find any relevant documentation, including communication attempts, account details, and any additional supporting evidence that may assist in investigating and resolving this complaint. Thank you for your attention to this matter, and I eagerly await a prompt and satisfactory resolution. Sincerely, XXXX XXXX | ||||||
| 10/03/2018 | Yes |
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| I checked my PayPal account on XX/XX/2018, and noticed a negative balance of {$9.00}. I check my PayPal account daily, and there had not been a negative balance any days previous. I contacted PayPal through their emailing system on XX/XX/XXXX, and XX/XX/2018. I only received automated responses. I was finally able to get a representative on the phone on XX/XX/2018. The representative I spoke to quoted three ( 3 ) different reasons and dates for the negative balance. This shows that even in their system they have no valid reason to charge me, their own representatives can't find explanations for the company 's actions within their databases. The representative was immensely rude and dismissive. Repeatedly saying, " well that's the information I got from my supervisor, so ..., '' and " that's what I can tell you, so ... '' I asked to speak to her supervisor and she suddenly did not know where her supervisor was. After asking multiple times she supposedly transferred transferred me to her supervisor. I was on hold for about two ( 2 ) minutes and was then hung up on, presumably because getting off work seemed more important than helping your customer. I called back on XX/XX/2018, and spoke to another representative that again had different dates and that tried to convince me that dates that do not coincide with the events were the reason I have a negative balance and supposedly owe them. The representative said she would transfer to me to a supervisor, but after over 20 minutes on hold, I finally got the chance to speak to one, XXXX. XXXX would not let me speak and therefore I had to constantly ask him if I could finish speaking as he continually cut me off. Kept referencing dates that did not have to do with the date I was speaking of in an attempt to confuse me, was facetious and ask hypothetical questions trying to embarrass me somehow, and would not tell me the name or title of his direct superior unless there is only one 'director ' in all of Paypal ; that was only after he blatantly lied and said there was no one above him at all. Which it is not believable that between a call center supervisor and the apparent director of all of Paypal there are no other managers or personnel. He did not know that if a company was attempting to collect a debt they must notify the person, and he actually told me the only notification they need to give is when a person calls in, they do not need to send any correspondence my phone, mail, or email. He also said if I didn't get any emails then that it is basically my issue, but their system regularly sends emails to other people about some balances and not to others. He was extremely rude, disrespectful, and dismissive. However, the last excuse they came up with was that due to a charge dispute I owed them {$9.00}, because they gave me a refund and the company I was disputing gave me a refund and therefore they want their money back. Which is reasonable, if not for the fact they already sent me an email confirmation that they debited the account and retrieve payment. Also, to date, they have not sent me a single notification or correspondence of a negative balance/debt. I have the app, am logged into the site and there was not a negative balance listed for an entire month and two ( 2 ) days. | ||||||
| 11/01/2017 | Yes |
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| I sold an item and accepted payment through PayPal. It was stated in email and on the paypal invoice sent to the buyer that the item was sold as is and that no returns or refunds were accepted. After the buyer had the item for several days they decided that they did not want the item and they filed a " not as described '' complaint with paypal. They made up fake things about the operation of the item saying that it was damaged. Paypal decided in favor of the buyer and told them to return the item. At that point I contacted paypal over the phone and was told that their back office decided that they had to decide in favor of the buyer because if they did n't the buyer would file a dispute with their credit card issuer, and then I would lose the projector and the money. So when I received the item back I found that the buyer had broken the case. I called paypal and they told me to send them pictures, so I did. Then they wanted me to have a third party, such as a repair shop, examine the projector and describe the damage, and I did that as well. But, they kept denying the appeal and say the following each time, " The damage noted in your appeal was cited by your buyer as the reason for the complaint. Therefore, our original decision remains. '' After each carbon copy email I would call to ask why they denied the appeal, and each time they would say that I did not provide the above mentioned document regarding the damage. Each time they said this on the phone I would point out the document and they would say that they see the document and they did not understand why they claimed the document was missing, and then they would file the appeal again. On XXXX XXXX I asked to speak to someone in the appeals department so that I could explain things and point out the document to them. I was told that they do not accept phone calls, but that one would email me to discuss the case. That did not happen, and again I received the same carbon copy email quoted above. Finally, after again filing another appeal online and receiving the same cc email this past Sunday I asked to speak to a supervisor in the disputes department, and waited 90 minutes before being able to speak to one. I explained the entire case to this person and they filed the appeal once again. However, during this conversation the person said that the buyer cited damage and since I was citing damage it was not considered different in condition from when I sent it to the buyer. I explained that the buy claimed electronic issues, but did not say a word about any physical damage because there was n't any physical damage to the body of the external case when the buyer received the projector. I told them that I have pictures of the projector before I sent it and after I received it back. Today I received an email from them saying, " Unfortunately, we had to deny this appeal because the information supplied has already been provided and is insufficient to appeal this resolution. Any further appeals for this reason will not receive a response. '' Even though they say the information supplied is insufficient it is exactly what they asked for, and they did not request anything more at any time. They just kept denying the appeal. Paypal has a monopoly and they are acting as such. | ||||||
| 10/31/2023 | Yes |
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| I have a Paypal Business Debit card account with 2 unique cards attached to the account. One for me and one for my wife. I have had 2 separate strings of incidents in the past 6 months, where I have had fraudulent charges on the account. Paypal does not offer live support as they used to, and both times, I have put a lot of time into trying to report fraudulent charges that I see occurring in real time ( auto email confirmations ), where it is impossible to communicate to Paypal within a reasonable timeframe. Maybe next day or days before getting a return communication. Both incidents, after investigations, it was determined that the charges were-in fact fraudulent and my account credited. Both times, it was I who locked my card after the occurrences and requested a new card. After the second, most recent incident, I replaced all of the merchants using my Paypal account with other methods, namely creating unique virtual credit card numbers for each merchant ( using a credit card I've had for decades ), in order to find the perpetrator, in case the fraud is occurring from one of my merchants. Also after the second new card was shipped to me ( and new exp date card shipped to my wife ), I refuse to activate them, so my Paypal is not being used by me at all at this time. Still, I get strange messages from Paypal, warning me of unusual activity on my account, with no way for me to contact a human being who will explain what might be happening. The only thing that I have been doing in my account is clicking the " Close My Account '' button, where I then get an error message directing me to the most recent fraudulent charge, say that " Open Issues '' must first be resolved. The issues have all been resolved, including the issue being pointed to in this error message, AND, I have an email from Paypal telling me so. SO now, DAILY, I get suspicious activity warnings from Paypal and they are not hearing me. They are most certainly not talking to me. All communications from me have to go through a a chat secured with a pin code, where each time, someone different responds with some generic response. So they have now locked me out of my account and are telling me that nothing further can happen until I provide different forms of identifying documentation. My problem with complying with this is, I am STILL not speaking to a human being. They apparently have not created a proper case out of this and the people writing back through the secure chat are different each time, and I am not even certain that they are human. So, being that I was first throughout ALL OF THIS in communicating fraudulent activity on my account, and disagree completely with how they are supporting it, and not to mention -- where are these attacks coming from?, and they KEEP HAPPENING, and the suspicious activity ( according to Paypal ) with no particular descriptive apparently keeps happening, I have no choice but to consider Paypal a security risk. Again, Paypal has demonstrated very clearly to me that their platform is a security risk, and I will NOT provide documentation to close this account, CERTAINLY without speaking with a human being. I do not need the platfor any longer. And I do not trust it with my personal data. They need to close my account. | ||||||
| 08/24/2022 | Yes |
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| On XX/XX/XXXX, I recieved money as a friends and family payment with PayPal. On XX/XX/XXXX, I was notified by email that the person who sent me the {$2000.00}, reported it as fraud to their bank so in turn PayPal took the money back from my PayPal, which put me in the negative as I had already transferred the money to my personal banking acct. I immediately contacted the person who sent the money and they called their bank to let them know it was a valid charge after all. They just lost their husband, who used the card and she didn't know it was approved by him since she took over his finances. I also called PayPal to let them know of what occurred and they said not to worry that my account was notated and that it could take up to 75 days to get sorted out but it was fine to keep my account in the negative as they do not report to collections and/or the credit bureau XXXX I assured them if it was going to be an issue, I would send the money back from my bank acct to PayPal until it was sorted out, was told again no need to worry. On XX/XX/XXXX, I got an email from PayPal stating they sent my account to XXXX XXXXXXXX for my debt and I would need to contact them moving forward. I immediately contacted XXXX through the PayPal phone number and told them what happened and asked why I was told this would not happen, I also told them that I sent the {$2000.00} back from my bank acct to PayPal and there was no debt owed to their company. Exactly that evening while I was asleep, I myself was then hacked with my PayPal account. They used my PayPal to make purchases of XXXX XXXX to XXXX. The following day they also bought dog food with XXXX and sent dog food to XXXX different people all over the US. When I notified PayPal, they did absolutely nothing to help me and said that because they were apart of my recurring transactions that I allowed these purchases and made them myself. I did not. I am now out {$2000.00} for PayPal, which has now been held from XXXXnow, and XXXX confirmed they gave PayPal their money back but they won't put it into my acct yet. I am out over {$700.00} in other fees and purchases. Which then I had to get new credit cards, bank cards, and freeze my credit. I had to transfer money around to make sure no more came out of accts, which resulted in fees galore. My XXXX XXXX was my XXXX which was used on my PayPal, they froze that due to strange activity. I am a single mother and have had so many issues since this, I want to know if PayPal and XXXX have a hacker among themselves, if they are allowed to not tell you prior to sending you to collections that you will be if the debt is not paid by a date, how any of this is even legal and who looks into this XXXX as they have XXXX complaints with the XXXX alone for fraud and lies. How can PayPal allow this to happen to me when they have so much power and then when I reported the fraud NOT ONE person there helped me. They didn't tell me I could add an additional protection onto my acct and have a 2 step authentication with my phone number. They need more training if they have access to people 's bank accounts! I will NOT stop until something is done to PayPal so they are mandated to protect future people and banks and their accts. Find who the hacker us within PLEASE! | ||||||
| 09/21/2023 | Yes |
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| On XX/XX/XXXX, I used the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX app to request {$930.00} USD from my husband through PayPal. My husband accepted the request which transferred the money from his PayPal to my PayPal. Next PayPal automatically transferred {$930.00} to XXXX and it was properly credited to my XXXX account from PayPal on XX/XX/XXXX. ( PayPal Transaction ID : XXXX ). This is how the XXXX XXXX XXXX XXXX is supposed to work. However, in an email correspondence from PayPal on XX/XX/XXXX XXXX from PayPal stated the following. " In XXXX, PayPal had some technical issues where some transactions were duplicated. '' Due to this technical issue, on XX/XX/XXXX the request for {$930.00} was duplicated to my husband 's PayPal account and he responded to the request, thus withdrawing another {$930.00} from his PayPal which was successfully transferred into my PayPal account as verified by PayPal Transaction ID : XXXX. As soon as the money entered my PayPal account it was automatically transferred by PayPal to XXXX under PayPal Transaction ID : XXXX. However, this money never was credited to my XXXX balance. Therefore, I am owed {$930.00}. I contacted PayPal on more occasions than I can count to resolve the issue. Upon review of PayPal 's Office of Executive Escalations in an email on XX/XX/XXXX they stated " PayPal successfully sent the {$930.00} USD payment to your external wallet XXXX ending XXXX. '' I asked PayPal to clarify what this XXXX account was, as it did not match my XXXX account number. PayPal 's response on XX/XX/XXXX stated : " The account ending in XXXX is XXXX. This is an external wallet with XXXX XXXX. PayPal does not own that account and can not provide instructions on how to access it as it would be with XXXX XXXX. '' Upon requesting more information on this account on XX/XX/XXXX PayPal stated : " Due to the privacy and security of our customer accounts we are unable to see the full account number. However the last XXXX are XXXX. '' Followed by the statement " We successfully sent the money to the account mentioned above and we do not have the funds in our possession. '' I then contacted XXXX on various occasions to resolve the issue. XXXX requested the following information : " If you paid with a non-XXXX XXXX online account/third-party vendor or bank/wire transfer, please send a transmittal form, which you can obtain from your financial institution. The transmittal form should include the bank routing and transit numbers as well as the XXXX XXXX account number to which the money was credited. '' When I contacted PayPal to obtain such information their response was : " As PayPal is a payment platform, we do not have a routing number that we can share. We only act as a medium through which transactions can be processed. '' I shared this information with XXXX and I uploaded all the correspondence I received from PayPal to help clarify the issue. Yet, XXXX closed my case XXXX times with no outcome. It seems as though PayPal is passing the burden to XXXX with no clear way to help me resolve the issue, even though they had the funds in the first place. They should be able trace the funds and provide exact information of where funds are going when they leave PayPal possession. | ||||||
| 03/10/2022 | Yes |
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| With great pain, I say that I have been Ponzi scammed using Paypal's platform. I learned the hard way that due to gaps in Paypal's policies, scammers have a free run. Let me share my story with you. I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make XXXX returns in a single day and I would get such an alert once a month. After a lot of discussions and assurances, I signed up for his private club through Paypal by paying XXXX (Scammer asked me to make payment only through Paypal). I received my sure shot 100% signal in XXXX and invested XXXX based on his alert and lost XXXX. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as "core signal", which happens only once a year last time someone made XXXX. I felt all his words to be fishy and reached out to Paypal for help as he wasn't ready to refund the money that I paid. I provided Paypal with all the relevant screenshots of our chat conversations. Paypal upon investigation enlightened me of their buyer protection policy that Financial investments wouldn't be covered and then I understood the reason for the scammer insisting on only using PayPal's platform. Upon further conversations with friends and other family members, I was told that this is a complex XXXX scheme and reviewed the XXXX XXXX Scheme's red flags. I reached out to Paypal and appealed that this is a XXXX scam and PayPal's AUP policy doesn't allow such XXXX scams or "Get Rich Schemes" on their platform with proof. Sadly, PayPal denied the case stating their policy yet not doing anything. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. This is in addition to my previous complaint XXXX with CFPB) My questions to PayPal are as follows: 1) As per AUP policy, merchant offer Financial products on PayPal needs pre-approval. Could you please let us know when was this firm registered, Also, as per XXXX, brokers or firms offering should be registered with them - Could you please share their registration no. or XXXX XXXX XXXX XXXX XXXX XXXX? (Link to XXXX XXXX XXXX) 2) I have shared all the info related to Merchant offering "Get Rich Scheme" on PayPal's platform which is a violation. Do you please share the outcome of the investigation? 3) As per Seller Policy (https://www.paypalobjects.com/marketing/ua/pdf/US/en/ua-032122.pdf), it says Payments that are invalidated and reversed - You received the payment for activities that violated this user agreement or any other agreement between you and PayPal. Could you PayPal explain in my case the transaction cannot be reversed inspite of providing the proof. 4) CFPB (https://www.consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one), Did you send money through a money transfer app? - Report the fraudulent transaction to the company behind the money transfer app XXXX | ||||||
| 04/09/2019 | Yes |
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| On XX/XX/2018, I noted an unauthorized {$1.00} ACH debit on my personal checking account from Paypal. I contacted Paypal by telephone. First, the representative ( located in XXXX ) could not find any transaction activity in MY Paypal account. And my Paypal account didn't have the information for the checking account that was debited. She finally concluded it was a possible fraud - Someone using money from my personal checking account for their purchase. I requested a supervisor and was disconnected. After going through the whole Paypal contact process again, I was referred to a " Limitations Team '' which handles unauthorized transactions. The representative couldn't help and I was referred to a supervisor, who required I provide my personal checking account information to check further. I did so and she located the {$1.00} transfer by one " XXXX XXXX '' using my bank account. The Limitation Account representative couldn't explain how Paypal opened a Paypal account for another person using my bank account number and did NOT perform any verification of ownership of the bank account, not even the checking account name. The representative did say that they had now blocked my checking account from any Paypal transactions and would refer the fraud Paypal account for law enforcement review. As recommended by Paypal, I then had to go into my bank and close my personal checking account, reopen another. On XX/XX/2018, I called Paypal to verify referral to law enforcement. The representative referred me to the " Back Office Team '' which can not be accessed or connected to by phone. She said she would send me an e-mail with assistance information. I received the e-mail which said to log in to the Message Center. I did so and was notified that any further information would only be provided by subpoena or to my lawyer. So the referral to the Back Office Team was a plain out lie to get me off the phone, there was no intention to assist me further. Two Issues to Resolve : 1 ) Paypal continues to open Paypal accounts with NO verification that the bank account provided by the account opener is valid or belongs to that person. Anyone can open a Paypal using any bank account number they might obtain and commit frauds. This only stops when the innocent real bank account owner spots the fraud transaction ( s ) ( I note that not many people regularly check their bank account, many only do so monthly when they get their statement ) and goes through the hassle of stopping activity at both Paypal and at their personal bank and filing a fraud claim at their bank to recover the funds taken by fraud ACH. If the fraud victim didn't know about the monies fraudulently taken, they might also suffer return items, adverse actions and costs by the parties to who checks were written, and extra fees by their bank. 2 ) Paypal refuses to communicate to verify that they have, as claimed, referred the attempted fraud on my personal banking account to law enforcement for appropriate consideration. The innocent fraud victim apparently must take Paypal 's word that Paypal has properly notified law enforcement. Given how Paypal carelessly and willfully opens fraud accounts in the first place, such victims are not likely to find Paypal credible. | ||||||
| 06/16/2021 | Yes |
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| As of XXXX XXXX Pay Pal has refused to release my funds so i can pay my bills. Every time we call PayPal, they give you the runaround they never let you know how you can fix the problem if there if there even is a problem which there isn't the customer service is absolutely horrendous and they can consistently shut down the account this is the 15th time they put a freeze on the account!!!!! No matter what you do they never tell you how to fix the problem but how do you fix a problem when there isn't no problem in the first place so far I've been getting nailed for late payment fees because I can't transfer the funds from PayPal to my bank account to pay the bills for the XXXX the XXXX helps the needy and the homeless people during the pandemic and we can't even get the funds to pay the electricity and water bill therefore it's causing enormous amount of problems by PayPal. Furthermore they send you a text message you put the code in and only works for one time and the account can not be accessed 24/7 they never tell you what the problem is you never know what's going on and they consistently block the account after the first time of going in and they'll never tell you how to fix it this company is absolutely horrendous now I can't even get the funds to pay anything I don't think they know what they're doing the majority of the calls get sent to the XXXX islands my question is as a Consumer Financial Protection Bureau who are they protecting Pay Pal has sent this : Dear PayPal Seller Performance Team, I apologize that our performance as PayPal user has recently fallen below both PayPal 's and our own standards of quality. I believe there are two reasons this has happened : 1. Some of our buyers have not received their orders. 2. Buyers have received defective or faulty items. Our prior inadequate management of our inventory has led to in increase items not as described cases as well item not received claims. Plan of Action : We are taking the following steps to improve our performance, in addition to the five steps previously outlined : 1. We have contacted all buyers who have not received their orders and resolved the issues. Going forward, we have put in place a system of checks to confirm listing quantities prior to processing the orders as well as a system to follow up with the delivery carriers to ensure our products are delivered to our customers in a timely manner. 2. We are currently reviewing and working to remove products that have a higher than normal rate of return to meet PayPal quality standards. Several of the items weve sold in the past have a higher rate of arriving damaged and we have worked to remove those items from our inventory to ensure only items with sufficient packaging are being sold through our storefront. 3. All our items must pass rigorous quality control tests before being packaged and shipped. We have also implemented a multi-person final review process to ensure our packages arrive undamaged. 4. We have hired a team of employees to help manage these issues and improve these numbers, which reflects on our new metrics. Please let us know if anything further needs to be done to reinstate our account ; we are looking forward to hearing from you. my email : XXXX XXXX XXXX | ||||||
| 07/28/2023 | Yes |
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| On XX/XX/XXXX, XXXX XXXX XXXXXXXX customer service number in XXXX and then XXXX call the number. I had a feeling this was not an XXXX customer service rep and I asked him to approve it and I dont remember what he said. But he went on to say they had red flags all over my XXXX account and people are trying to hack into it. Well, I love XXXX and I was freaking out so I fell into his scam. This is what Happened-he first of all had me go and download the app called any desk.com. Once we got into that he had me go into XXXX and purchase XXXX XXXX products. XXXX product was around {$90.00}. The other product was around XXXX. Then he had me go into my Venmo account, which at that time had a XXXX balance. I realize then when he kept correcting the spelling of these XXXX individuals that it was in my phone, but I still went on with him. He had me send {$500.00} to XXXX individuals. He then wanted me to go to XXXX but he did not tell me why. I told him I was legally blonde, and some friends were going to come pick me up later. XXXX will have them take you to XXXX. So when my friends arrived and they listen to him, they said he is a fraud And this is a scam you have fell into. So then I hung up on. XX/XX/XXXX which was the following Monday I went to the bank and reported to them what it happened. They closed down my checking account, savings account, and all my cards. My Venmo account had a XXXX balance. So I wasnt even worried about the Venmo transactions at that time. So the bank did refund me the {$90.00} and the {$70.00} XXXX products that I had bought. Probably XXXX or XXXX days later I got a notification from Venmo that I had a - negative {$2000.00} in my account. Which again my Venmo account was at a XXXX balance. so I contacted Venmo and told them I was scammed and they need to really give me back the {$2000.00}. I explained to them it did not come out of my checking account and XXXX not sure why it came out of a XXXX balance in Venmo. They wrote me back and told me to contact the people that I had sent the payments to. I said, like I told yall during the complaint it was a scam. I do not know the XXXX people or individuals that the Scammer sent the money to, so no I can not contact them. I said please replace the money they have refused to do so. I then contacted my local police station and filed a complaint with them. The police report complaint number is XXXX. The Venmo complaint number is XXXX. I am still waiting for the police XXXX to call me back regarding this complaint against Venmo and about the Scammer. so my biggest question is I feel like I do not owe Venmo back {$2000.00} with a XXXX balance in my account. They should have a safeguard for people who have XXXX balances not to let any money go to any individual whatsoever. I would like to have the {$2000.00} back into my Venmo so XXXX have another XXXX balance. I have a few screenshots of like the people sent the money to. I took the screenshots during the call so I dont know if you would like to see them. Please let me know whatever what other information XXXX help me with this complaint, so it can get resolved. My phone number is XXXX. I must say I have gone through absolute XXXX because of the scammer. Thanks so much for your help in advance XXXX XXXX. | ||||||
| 08/26/2020 | Yes |
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| I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ PAYPAL ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. The company has been notified by me via mail with no response, as well by all 3 credit bureaus XXXX, XXXX, XXXX. The company has refused to dissolve me from this debt and is continuing to persue the debt and violating federal law and my rights under The Fair Credit Reporting Act, 15 U.S.C. 1681. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Fraud Alert has been placed on a 3 credit bureaus, XXXX XXXX, CXXXX, XXXX XXXX and other consumer reporting agencies. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and more. There have been fraudulent addresses, jobs, businesses and telephone numbers that have been used fraudulently without my permission. Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to buy a house, apartments, credit cards etc. as a result of Identity Theft. I also request any legal action that was taken against me for this debt be expunged and removed from my public records. I am requesting this debt is cleared from my records immediately. Failure to do so is violating law and my rights as a United States citizen under The Fair Credit Reporting Act, 15 U.S.C. 1681. Included in this complaint is also letter of acceptance from the IRS, Identity Theft Report, Identity Theft Affidavit, Copy of my U.S passport for verification. | ||||||
| 02/09/2019 | Yes |
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| This is a continuation of initial complaint ID : XXXX. Although the company has responded, I do not consider this issue resolved. Please reference initial complaint for context as the following is a direct continuation and reply to company 's response : This is in response to Paypals previous message. In light of the response there still remains several facts that demonstrate the series of actions/lack of actions taken by Paypal was not done so in good faith, and although all actions were within User Agreement guidelines, said actions demonstrate inequitable treatment with lack of due diligence. 1. I was not given the option to contest the charge with Paypal within the prescribed 30 days limit. Recorded messages around the time of the occurrence of the negative balance prove I attempted to open a dispute with Paypal but was constantly being directed to XXXX instead. 2. Recorded calls with XXXX also prove that I asked XXXX to open a dispute, but they claimed it was a Paypal issue and I would, therefore, have to open a dispute with them. In fact, this recorded message was a conference call between myself, a Paypal associate, and an XXXX associate ( whom the Paypal associate brought into the call at my request due to the circular pattern of denial of responsibility I kept receiving ). Both associates asked each other to open a dispute, and neither was willing to open a dispute because both were convinced the responsibility rested on the other. 3. Therefore, no opportunity was given to me to begin a dispute 4. Had a been able to open the dispute, I would have uploaded a document from XXXX XXXX XXXX who investigated the fraudulent individual who swindled me of an XXXX through XXXX and determined that I was due a return of my money. True, XXXX XXXX XXXX did indeed take this money back from Paypal as it was all done through Paypal, however, due to the fact that I was found the victim in this situation, Paypal did not pursue the perpetrator and instead debited my funds which brought me to a negative. To me, this is a sign of negligence as it was perhaps simply easier to debit me since the protocols and infrastructure were set in place to do so easily, while investigating a fraudulent buyer may have cost too much time and effort. Though I have no proof of this, the fact remains, I, the victim, was punished by Paypal, while the defrauder, was likely never even contacted by Paypal. 5. A repeat call was made to attempt to explain the situation. I was given a link to upload a copy of said XXXX XXXX XXXX documentation proving I was found to be the victim. I uploaded the said document. No response from that thread thereafter. This pattern of actions demonstrates without doubt professional negligence on the part of Paypal. True, XXXX is a separate entity, and a separate complaint may be filed regarding XXXX for the same reason, but it is my opinion, based on this experience, that one will again blame the other and vice versa with no party ever taking initiative. State and Federal business regulations and codes of conduct supersede User Agreements. This phrase, User Agreement, is being used as the primary mode of defense in Paypals response, but it is lacking as it clearly falls short of State and Federal standards. | ||||||
| 11/24/2022 | Yes |
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| I fell victim to a rental scam earlier this year. I made two transactions to an individual named XXXX XXXX, paid through Venmo : XX/XX/2022 {$1400.00} XX/XX/2022 {$600.00} totalling {$2000.00}. shortly after that 2nd transaction is when i discovered he nor anyone else in the home were the authorized occupants. I first demanded my money back directly from the individual and was denied. I then contacted the property managers, who washed their hands of the situation and just told everyone to get out. However, without that money back, I could not afford to move. This resulted in an eviction and temporary homelessness. After the property managers chose not to do anything, I filed a complaint with my local police department ( XXXX Police XXXX XXXX ) on XX/XX/2022. This also proved useless, as the matter was ignored. The only other options were to file a civil suit ( didn't have the money ), or dispute the transaction. I disputed the transaction on XX/XX/2022 with Venmo. I had the payment protection on one transaction, and on the other I was never even given the option. I called Venmo and asked what could be done since it was two transactions to the same person for the same thingif payment protection was available for one transaction, it should be available for both. The woman I spoke to reassured me that i could still file a chargeback/dispute, but that it would have to be done a different way. So that same day I sent over all the documentation i had, the details of what was transacted, dates, etc. I was told it would take two weeks. Three weeks later on XX/XX/2022, i called back, as it was beyond the two weeks and I had not heard anything. Apparently, that agent I spoke to completely ignored all the requested information i sent back, and never began the dispute. So now, I had to go back and resend it all, but this time they tell me it will take 30 days. On XX/XX/2022 i received an email about my dispute : It said that I was denied. The only reason it gave was : " This decision was made because the Venmo Purchase Program only covers goods or services that weren't delivered or are not as described. '' But that's exactly what I gota rental that inevitably would have led me to an eviction or removal, as the person who I paid money to never had the authorization to rent to me or anyone else, let alone live there themselves. This decision was made in spite of the emails where the property managers revealed they had no clue who the guy was, despite the copy of the lease I uncovered and sent them that noted " no subleasing '', " no more than two occupants '' ( there were five people there total, all there under XXXX XXXX 's say-so ), and two names ( plus a co-signer ) on the lease who did not live there ; XXXX XXXX XXXX name was nowhere to be found on the lease. I was in the process of being evicted during this dispute as well. I reached out for further explanation, and they gave me none. The payment protection was *charged* and paid for. So, I know this transaction qualified. Regardless though, the bottom line is that I spent {$2000.00} for an eviction, which is NOT what I paid money for. I paid through Venmo, with protection, and doubly resassured I was protected, only to be denied for no apparent reason. | ||||||
| 07/31/2017 | Yes |
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Web | Servicemember |
| This complaint is in reference to my PayPal account. On Friday, I realized that I never received merchandise that I purchased through XXXX and paid for using my PayPal account. It was a split tender purchase, meaning part of it was paid using my PayPal account balance and the remainder using my XXXX card on file with PayPal. Because it was beyond the 180 day timeframe to open a dispute with PayPal ( the purchase date was X/XX/16 ), I decided to contact XXXX with the intent of recouping the funds paid for using my XXXX card. At that time XXXX opened a dispute for the reason of " non-receipt of goods and services. '' Three days later, today, I attempted to use my PayPal account to purchase an XXXX shipping label and was informed there was an issue w/ my PayPal account. When I logged into PayPal, I saw multiple messages about having to verify multiple aspects of my account due to the " Unauthorized Purchase '' claim on my credit card. I called XXXX, thinking they made a mistake with the " non-receipt '' claim and they confirmed it was opened as a " non-receipt '' dispute on their end. They also advised that OTHER CUSTOMERS have experienced the same issue I am now experiencing with PayPal because PayPal converts ANY type of dispute to an " Unauthorized Purchase '' dispute. As a result, I have to jump through hoops to verify my identify, my credit card, change my account password, etc. so I can begin using my account again. This is obvious inconvenience to me, but I figured I would do as asked, so I could begin using my account. This is where the difficulty really begins. I attempted to complete one aspect of the request - to verify my credit card. After inputting the card details, I received an error message and their system would n't allow me to confrim the card. No where on the page was anything noted as to what the error may be and I 've confirmed my card details were input correctly. This happened multiple times. So I called. The VRU said the wait time was a minimum of 59 minutes and asked if I would like a call back when a rep was available. I accepted that option and waited. Upon receiving the call, the call was abruptly disconnected when the system tried to connect me with an Agent. I called again and the entire process repeated. I waited another hour for a call back and when I picked up, the system tried to connect me to an Agent, but abruptly disconnected my call yet again. I tried a third time. This time the VRU did n't even allow me to request a call back. Now : 1. I 'm left with no way to reach PayPal to resolve the dispute situation for which they say is an " Unauthorized Use '' claim when it 's a " Non-receipt of goods and services '' claim. 2. I have no way to complete the steps they 've requested to verify my identify. 3. I have no way to make purchases. 4. I have no way to access my funds at all. ( current balance of {$130.00} with an additional {$600.00} pending ). PayPal 's systemic issues and incorrect handling/coding of a credit card dispute is unfair, deceptive, and a regulatory violation. Thus far today I 've spent hours trying to reach an Agent to no avail. I would like direct contact asap to resolve my immediate issue and for PayPal 's business practices related to disputes to be evaluated. | ||||||
| 03/27/2023 | Yes |
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| Hello, I sent money to a friend on the XXXX after having a dinner with him. I sent him 1 ( ONE ) transaction of {$30.00}. The Venmo system at that time was glitching or HACKED, and sent him {$30.00} XXXX ( XXXX ) different times. I sent an immediate chat to their online customer service agent, and I was reassured that I would only be charged for one transaction and not XXXX. I explained I did not have this type of money in my account and I would be charged overdraft fees if this money goes through. He again re-assured me the accounts specialist team would take care of these charges. That evening two transactions were sent to my friend, meanwhile XXXX other transaction continue to pend. I then sent a help ticket in through there online help system and explained multiple times what was happening with my account. I received emails, that they assured me my compliant would be looked at. The next morning, I received an email stating that I violated terms of service and therefore my account was frozen. I sent a follow up email stating that this was a glitch in their system, they probably had a hacker causing issues for consumers and I needed their safety team to do a full investigation and fix this problem ASAP as I did not break US law by sending {$30.00} to my friend to pay for dinner. I still received no information from Venmo. XXXX hours later, I started to get money in my VENMO account for the transaction that were pending, but were not processed yet. I sent then am email confused about what their team was doing to fix the solution and if there is money in my Venmo account, I need it in my bank account so I am not having to pay overdraft fees due to their technical problems with their system. XXXX hours later, I checked my bank account, and I now had XXXX transactions officially pending from my bank account and these transactions affected my available balance by {$1100.00}. I immediately called their customer service phone number as soon as it opened on XX/XX/23 at XXXX and spoke with XXXX who told me she sees all the issues, but she could not help me. I demanded to speak with a supervisor. She sent me through to XXXX, XXXX sounded like she was outside. I explained to her the situation, snd she said she could not help me, and it was the consumers fault for not trying to reach them sooner. The call ended in the Venmo Customer Service SUPERVISOR telling me that the consumers meant nothing to Venmo and she did not care that her system glitched and unethically took over {$1000.00} from my account. I am now missing over {$1000.00} from a {$30.00} meal, Venmo is not taking responsibility for the glitch in their system, and the only person who is suffering is the consumer. I attached screen shots of all the transactions that came out of my account. I had to scrool down four times just to fit all the transactions into a screen. I transferred some money that Venmo refunded me, but as you can see in my account, I still don't have access to that money, but Venmo took my money out of my account. They refunded XXXX transactions directly to my account, but they should have refunded all XXXX back to my account as then I would have access to the money that was suspiciously taken from my account without authorization. | ||||||
| 10/07/2022 | Yes |
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| XXXX XXXX XXXX put a bag on XXXX for auction and requested me to pay him directly to his bank account. on XX/XX/XXXX i paid XXXX XXXX XXXX XXXX through paypal for a XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. he offered me anothet XXXX XXXX XXXX XXXX XXXX for {$8900.00} but only though bank deposit or XXXX XXXX XXXX. he said i can pay him for the preorder of the black bag and the bag will arrive in a month but he needs the money immediately to save his mom 's life in XXXX. i felt bad for his mom so I transfered him {$4900.00} through XXXX XXXX on XX/XX/XXXX, thruogh XXXX {$1000.00} on XX/XX/XXXX then the rest {$5000.00} through XXXX ( {$500.00} each transaction ) on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. He then asked me send him more money to pay for the tax on the item i paid him on paypal so I sent him more on the following XXXX and XXXX. He then asked me to let him borrow more money because he was stuck in XXXX and needed to fly back to XXXX to get the 2nd bag that I ordered, so i sent him {$500.00} on XX/XX/XXXX. On XX/XX/XXXX the package ( for the XXXX XXXX XXXX i ordered through PayPal XXXX XXXX ) from XXXX finally arrived but i found out he never paid taxes on it. in order to recieve the package i have to pay taxes but when i lifted up the box it felt empty so i refused to accept the package from XXXX. XXXX driver took it back to the XXXX and when XXXX opened the package theyfound out that nothing was inside the package. At that time i realized he may have scammed me so i contacted XXXX XXXX XXXX that I don't want to buy the XXXX XXXX XXXX anymore and asked him to refund me the money. He asked me to send him more {$500.00} so he can He will email me proof that i lent him money. On the email he wrote that he i sent him {$8900.00} and {$2000.00} in helping his mom 's XXXX. I trusted him that he will repay me so i sent him another {$500.00} on XX/XX/XXXX morning. The same day XX/XX/XXXX at night i found a post from XXXX XXXX warning about XXXX XXXX XXXX that he has scammed so many people from XXXX, XXXX and XXXX. I reached out to some of his victims and most of them has been scammed like me : asking to prepay for the bags, XXXX and watches but never arrived, offering to help people get their citizenship with a fee or filing paper work to get them come to XXXX from overseasEach victims has given him $ XXXX, and much more. I know there are many more victims like me. I hope we can stop XXXX XXXX XXXX scamming more people and bring him to justice. i have all the documents from XXXX, PayPal, XXXX and XXXX XXXX. From what i know he has been hiding in XXXX for a month and has been picked up money I transferred at XXXX locations. He has been ignoring my calls, texts and email. I have all the conversations with him saved in XXXX and other victims also have documents of him scamming them. I really hope we can stop him from scamming more people. this is the XXXX address he provided me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i have his picture ID as well. XXXX XXXX XXXX XXXX ID XXXX. Born in XXXX XXXX XX/XX/XXXX. His business society number is XXXX. Phone XXXX Email : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Thank you for your time reviewing my complaint. | ||||||
| 07/19/2022 | Yes |
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| Beginning on XX/XX/XXXX, a number of my accounts were victim to a large number of unauthorized transactions. My following accounts were victimized : - *XXXX XXXX XXXX credit card account ( charges occurred on XX/XX/XXXX ) - XXXX XXXX credit card account ( charges occurred on XX/XX/XXXX ) - XXXX XXXX XXXX checking account XXXX charges occurred on XX/XX/XXXX ) - *XXXX XXXX XXXX savings account ( charges occurred XX/XX/XXXX - XX/XX/XXXX ) - additional charges to my PayPal account itself, making my PayPal account negative *Please see associated transaction history reports attached to this claim. All of these unauthorized transactions occurred in the amount of either {$0.00} or {$4.00}. The charges on my XXXX XXXXards were listed as the merchant " XXXX XXXX '', while the charges on my XXXX XXXX accounts were listed as either " PAYPAL / XXXX XXXX XXXX XXXX or " PAYPAL / XXXX XXXX XXXX XXXX XXXX I initially filed a dispute with PayPal in XX/XX/XXXX. The initial determination from PayPal was that there was no unauthorized use since the payments allegedly came from XXXX, and I'd previously had a billing agreement with them. However, I did not authorize these transactions, nor do they appear on my XXXX XXXX account, further proving I did not authorize them. After this initial determination from PayPal, the billing agreement between PayPal and XXXX was severed - per my request- on XX/XX/XXXX. It was also determined during this initial dispute that Two Factor Authentication ( 2-FA ) had been authorized on my PayPal account by someone other than myself ; this is proven by the fact that the phone number associated with that 2-FA did not in fact belong to me. Given the fact that the 2-FA was setup by someone other than myself, and the additional fact that no one else has access to nor authority to access any of my accounts, I feel this fully demonstrates that the charges on these accounts were unauthorized. Additionally, since I originally filed the above dispute case, more unauthorized transactions have been attempted on my Paypal account. These new attempted transactions are listed from the same XXXX merchant, and they occurred since the aforementioned billing agreement between Paypal and XXXX was severed. In addition to filing another dispute with PayPal, I have contacted : - XXXX : they stated that since the charges were made via Paypal, I must complete the dispute process with PayPal instead - XXXX XXXX : after filing complaints three times due to poor customer service on the part of XXXX XXXX, they have now denied half of my claims, and are still processing the remainder. They also sent my negative account balance to a collections agency and threatened to close my account, which has now been reversed after I spent another 1.5hrs on the phone with them reiterating that my account had been fraudulently charged. - XXXX bank : they refunded some of the charges, but not all - PayPal : my account remains negative, and similar to the issues with XXXX XXXX, they have send my negative balance to a collections agency despite the fact I have already submitted multiple complaints indicating that these charges are fraudulent. Thank you for your thoughtful attention to this situation. I appreciate your time. | ||||||
| 05/30/2015 | Yes |
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| We authorized to purchase a {$49.00} photo package for my daughters during vacation at XXXX XXXX XXXX in XX/XX/2014. When the bill came, a {$52.00} charge was tagged to an outfit name unknown to me with a XXXX XXXX XXXX address. So we asked XXXX XXXX to investigate ( not charge reversal ) the origin of this charge. We later found the outfit name XXXX tied to this photographer in email and called XXXX to close this investigation within a few days. However the merchant emailed in XX/XX/XXXX and provided Paypal transaction number XXXX as reference. The merchant filed an appeal in XX/XX/XXXX due to my inquiry into this Paypal charge. Paypal said this merchant had LOST his case and {$52.00} payment was reversed with {$20.00} charge-back fees to his account. I decided to pay the merchant again and waited for the {$52.00} refund from Paypal, but the refund never came. I called the merchant in XX/XX/XXXX and Paypal told him a refund will be made within 60 days to my account. When the refund does not happen in XX/XX/XXXX, I called the merchant and then Paypal concerning this transaction. The XXXX time Paypal can not even find the transaction. XXXX time Paypal found the transaction XXXX but could not determine if a refund was made. XXXX time I called with XXXX XXXX on the same line, Paypal confirmed there was no refund but now claimed {$52.00} was transferred to the merchant in XX/XX/XXXX and I should go after him for refund instead. The fourth time I called Paypal, they confirmed XXXX more time with XXXX there was no refund and the agent also discovered the {$20.00} charge-back fees to this merchant. However this agent was confused what else can be done and transferred me to the dispute department. Paypal agent in the dispute department was not interested in discovering any Paypal accounting error but instead told me I have no case to open a dispute with this merchant. I did not call to open a dispute with this merchant, I called to ask Paypal for the refund concerning this transaction XXXX with XXXX. However this Paypal agent is not interested in discovering internal account error or this is not in his job description. He spent his time explaining to me why I am out of luck because the merchant actually WON in his appeal. Each time I or this merchant called Paypal, it is a new investigation to Paypal because its system is not capable of issuing a case number to record my inquiry and evidence discovered so far. If the merchant really lied to get {$52.00} from me and Paypal is so confident of their accounting system, it should be simple to offer a case number to tie my no-refund discovery and then let this merchant send in his documentation that {$52.00} was in fact taken from him early this year. Paypal can not do that and they also can not explain why {$20.00} was charged to this merchant but my money was still with him and not lost in the Paypal system. I also found it unlikely the merchant lied because Paypal confirmed {$20.00} charge-back fees to this merchant. Paypal can not explain how a merchant can lose an appeal but still got {$20.00} charge for my inquiry. There should be no charge if a merchant was not at fault. All these pointed to Paypal accounting error but they was not interested in an investigation. | ||||||
| 10/18/2019 | Yes |
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Web | Servicemember |
| Let me preface the issue by saying that I have received emails from PayPal throughout time on both of the accounts below. I deleted them as spam. I never opened the accounts and thought they were trying to get my personal information to steal my identity. I never received any phone calls or mailings to make me think anything otherwise. I have received a few mailings throughout the years from PayPal. Those mailings were to get me to sign up for an account. That further led me to believe the emails were spam since they stated I already had an " account '' with " PayPal ''. I went to set up a PayPal account at the beginning of XX/XX/2019. That is when I noticed that both of my email addresses had fraudulent accounts. One account had my information on it and I was able to take care of that one by myself. Each time I would call to get it closed as being fraudulent I would be told that I have to close the XXXX account attached to it first. Then they would transfer me to XXXX. The first time I spoke with them, they closed the account with no issues. Each subsequent transfer to XXXX led to them telling me their side of the account was already closed. This account took about 5 calls to PayPal to get closed as being fraudulent. The second account is where the main issue is. This account had a mashup of my mother 's and mine information on it. Therefore I was not able to log-in and close it through traditional means. It had my email address, her name, 15+ year old information, and a mashup of the rest on it. Between both of us, we placed more than 20 calls, including conference calls, to PayPal to get this account closed. Each person would tell us that the account " will be closed ''. Yet, when we would callback the next week to make sure it was closed, it was still open and active. There have been no emails or mailings letting us know anything about these accounts being closed. We just have to take them at their word. As we have found out, their word is worth less than a grain of salt. It is now 6+ weeks later since the first contact and the account was still open and active. Today we spoke with PayPal, and the representative told us the same thing, " The account will be closed ''. I also found out some information this time that was never told to us any of the previous times. They said that since the email addresses had fraudulent accounts reported on them, they would not be able to be used again. This seems like punishment for reporting an account as being fraudulent. From my point-of-view it goes like this. I wanted to sign up for a legitimate account and found out there was a fraudulent account already. Now I can not sign up for a legitimate account because I reported the previous one as being fraudulent. I was told by the representative that I would have to create a new email address just to use PayPal legitimately. This is basically saying, from my point-of-view : I reported an account as being fraudulent at Bank X. Now Bank X is not going to let me create a legitimate account with them before getting a new social security number. This feels like I am being punished for reporting an account as being fraudulent and further being discriminated against from being able to create a legitimate account. | ||||||
| 04/22/2018 | Yes |
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| Dear Sir, I would like to know what is the reason behind placing a limitation on my account dated on XX/XX/XXXX, XX/XX/XXXX, and once again on XX/XX/XXXX. XXXX advised me that a limitation has been placed permanently and PayPal no longer wanted to do business with me, XXXX advised me the limitation was placed in error and advised me no further action is required. XXXX advised me that I have an Account A with a negative balance of {$840.00} and an Account B with a negative balance of {$1000.00}, before PayPal can do business with me again, I will need to resolve the negative balances. XXXX advised me that she will follow up with a detailed email later today with more information but failed to do so. While I am not supposed to be responsible with the debt that was result of identity theft, but I have already advised PayPal many times that the reason why I have created this as my only account on XX/XX/XXXX, is because I finally have a bank account in my own name once I have turned into age of XXXX, but PayPal representative advised I am still responsible for all debt even the suspected debt are occurred when I was still a kid and underage. Just for your information too, I do not have this first name until year of XX/XX/XXXX by court order. Finally, I hope we can have this to be resolved as soon as possible, as the statute of limitations for debt collection is 6 years in State of Washington ( XXXX XXXX ) and 4 years in State of California, which is where PayPal , Inc., currently located. I was surprised those records are not expunged yet, even they are supposed to be expunged by XX/XX/XXXX in State of California and by XX/XX/XXXX in State of Washington. Since XXXX advised me I will need to pay the debt in Account A for {$840.00} and Account B for {$1000.00}, before PayPal can do business with me again, and can not guarantee a payment can guarantee lifting up a limitation or not, but still, I am writing in today and would like to invite you to contact me over the phone or by email, hopefully we can reach out a settlement before fighting in court. As always, I invite you to contact me if you have any questions or concerns or anything else that I could assist with. Sincerely, XXXX XXXX p. ( XXXX ) XXXX f. ( XXXX ) XXXX On Sat, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote : Dear XXXX XXXX , Your PayPal account has been limited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. What does this mean? This account limitation will affect your ability to : receive money send money withdraw money Additionally, you can not : remove any bank accounts remove credit cards close your account What to do next Please log in to your PayPal account and visit the Resolution Center to provide the requested information. If we dont receive this information, we will be unable to remove this limitation. Once we receive and review your documentation, we will email you regarding the status of your account. Log in to PayPal We appreciate your attention to this matter. Sincerely, PayPal Copyright XX/XX/XXXX-XX/XX/XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX : XXXX | ||||||
| 06/14/2022 | Yes |
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| XX/XX/XXXX : I purchased flights via XXXX and used PayPal XXXX in 4 as my method of payment. Airline : XXXX XXXX. XX/XX/XXXX : flight was scheduled to take off from XXXX to XXXX XXXX with a layover in XXXX. We are at the gate waiting to board, but as we get closer to the scheduled departure time ( XXXX local time ), no announcements are made related to boarding. Then, a notice of flight cancelation appears on the screen above the gate agents. I also then get an email notification from XXXX XXXX stating that the flight was canceled and that they are working to rebook us. I think nothing of this email because it's the standard cancelation email most airlines send and most airlines do rebook you automatically and send out your new flight shortly thereafter. This, did not happen, in this instance however. All 200+ passengers begin lining up to speak to gate agents and get an idea of why the flight was canceled and when we will be rebooked. This took over an hour with no agents telling us anything. By the time I reached the front of the line, the agent took our passports, wrote down our names, passport numbers, and phone numbers. In hindsight, I find this suspicious given the fact that they already have this information when we originally booked the flight. Gate agents then took passengers in small groups back through XXXX so that XXXX officers could annul our exit stamps because we in fact were not leaving the country that day. After XXXX agents annulled the exit stamps in our passports, we were then ushered back to the ticketing counter to collect our baggage ( again, because no one was leaving that day ). We waited in the XXXX airport for nearly 10 hours with no communication from XXXX XXXX agents as to when we'd be rebooked, why the flight was canceled, or what to expect. It has now been over 5 months and I still have not been rebooked or refunded. We had to end up purchasing all new flights in order to even leave the country ( again, because XXXX XXXX never rebooked us ). Flash forward to present day ( XX/XX/XXXX ) and I have been trying ( unsuccessfully ) to file disputes with both XXXX and PayPal due to services/goods not received. I paid for flights that never took off and I vehemently disagree with this outstanding debt. XXXX XXXX has told both XXXX and PayPal the following : 1. That the flight was never canceled. 2. I was a no-show for the second segment. The fact that XXXX and PayPal actually accept those statements from XXXX XXXX is absolutely ludicrous and shows a lack of consumer protection. If the flight was not canceled, why would the airline send a cancelation notice and why would all 200+ passengers be stranded in the XXXX XXXX XXXX Why would Colombian Immigration annul our exit stamps? Additionally, how could I have been a no-show for the second segment when the first segment was canceled? How were passengers supposed to have made the second segment? Should we have morphed there? I am appalled by the lack of due diligence by both XXXX and PayPal despite the numerous times I've submitted proof. And I'm beyond appalled by XXXX XXXX ' blatant lies. This flight cancelation impacted more than just me. It was a full flight. Do they really think they can lie about 200+ passengers? | ||||||
| 03/07/2021 | Yes |
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| Complaint against PayPal This was emailed to XXXX at Paypal To XXXX This is my response to Paypal, it will be brief. I have called and emailed Paypal to handle this situation and you have done nothing. Your representatives have told me that the negative balance of XXXX was because of XXXX, I could not add funds to clear up the account until XXXX releases the hold on the account, XXXX stated that it was not their fault the account was frozen its up to Paypal to unfreeze my account. The hold was put on my account by XXXX for a purchase made by a buyer, the buyer made a false claim the product a limited edition photo print arrived damage, yet their is no damage to the USPS postal tube box, and the buyer is now showing damage that could not have occurred to the print it was sealed correctly in the box. Also XXXX policy is for a buyer to contact the seller about a refund, the buyer placed a claim against me before he contacted me, which started this whole process. Also XXXX took the side of the buyer before communicating with me the seller. Also there is clearly marked on my transactions No Refunds. The agreement with myself and Paypal is for my XXXX XXXX XXXX account to be linked to transfer funds to and from my account. Since you froze my account I can do nothing. XXXX held money from me, for another sale, when I contacted them on XX/XX/2020 they stated they are no longer using PayPal as a method of payment, and told me to list a bank account with them for payment. I asked about Paypal and they stated I could keep it open or close it. I listed my bank account with XXXX and the payment was made, now Paypal no longer needed, I removed the XXXX to my bank account getting ready to close my account. Then the buyer placed a complaint on the purchase which caused me to have a negative balance. The complaint is still ongoing. Then on XX/XX/2020 you allowed XXXX to access my bank account for XXXX, I did not authorize this payment, you removed funds from my account without my consent. Another bank account was set up with XXXX there was no reason to go through PayPal and further complicate this mess. I will not pay the XXXX you removed from my account without my permission. Also I am under Covid 19 financial hardship which you have made worse by access my account without authorization. Now I have to close bank accounts because of your illegal removal of funds, I am working with XXXX XXXX XXXX presently, but now to fix this mess it is costing me more money than the print is worth, I am losing money. Also I have stated I contacted you and XXXX numerous times, go listen to the phone call tapes, so dont insult me by telling me to contact your useless customer service, and all the rest of the XXXX you indicated in your response, you and XXXX started this mess fix it. If you are serious about a resolution to this mess, you can contact me by email at XXXX or call me at XXXX XXXX. If not do as you do, which is nothing. Oh and did you wait until XXXX XXXX XXXX to send a response to my complaint, to frustrate me more. Happy New Year. Paypal never contacted me all I received was a collection agency attempting to collect the amount they say I owed, by making continuous harassing phone calls. XXXX XXXX XXXX XXXX | ||||||
| 01/04/2019 | Yes |
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| On XX/XX/2018 a purchase was made via XXXX for an item I was selling in the amount of {$160.00} The funds should have been immediately available in my PayPal account however a HOLD was placed on the funds instead. A fee of {$5.00} was deducted immediately but the remaining funds were placed on HOLD. I contacted XXXX to ask why the funds were on hold, XXXX had placed all funds on hold for the first 90 Days as a new seller and after 90 days if they deem you a reliable seller they lift the holds and allow for funds to be immediately available. XXXX informed me that PayPal placed the funds on hold. I called Paypal to find out why, they informed me there was 'Cases ' on my account ... Paypal considers any refund to be a case. At times as a seller people want to return an item. That requires me to send the refund via Paypal. even when the refund is issued, and there is no adverse effects in my account paypal considers this a 'Case ' As a seller, when someone made a purchase for an item, they would also pay a shipping cost. I wanted to always be fair and honest and anytime someone paid more for shipping then the item cost to ship I would issue a partial refund. Apparently this is BAD because anytime I issue any kind of refund it becomes a case and reflects negatively in my papal account. I have in the past had Limitations placed on my paypal account, fund transfer restrictions, and now HOLDS .... Paypal continues to add new restrictions ever couple of weeks. Everything will be working ok, and out of nowhere ANOTHER HOLD, or limitations or whatever they decide because they can! Paypal ALWAYS collects it's fee IMMEDIATELY for every transaction! They get paid even before my money is available to me. Then they place a HOLD or limitation or whatever that requires me to take extra and unnecessary steps that I didn't have to make just days before. EVERY ITEM IN THE PAYPAL Disclosure about holds, limitations, fees, and my account PROTECTS PAYPAL, and nothing in any of their disclosures protects ME as a consumer! Paypal can do whatever they want with my account whenever they want and for whatever reason they want and there is nothing I can do to prevent it. HOW IS THAT FAIR? How can I as a consumer have any confidence doing business with a company that continues to make doing business harder and at time IMPOSSIBLE? How can a company take it's fee and than restrict me from access my own money? How can a company consider a partial refund that is made as a courtesy to be a negative action on my part? NOW I WON'T EVER ISSUE ANY REFUNDS AS A COURTESY BECAUSE PAYPAL CONSIDERS MY HONESTY TO BE A NEGATIVE EVENT AND TURNS IT INTO A 'CASE ' Why is Paypal involved in XXXX XXXX business when the two companies have been split up? Of course Paypal will have a simple answer for everything, but like XXXX of 2018 when I last made a complaint they retaliate and place additional restrictions on my account! Why is there no alternative to Paypal that I can use as a seller on XXXX? I am forced to use Paypal to sell on XXXX! I have no other options! Why is that legal???? Isn't that Antitrust?? It appears to be the definition of ANTITRUST! PAYPAL TREATS IT's CUSTOMERS LIKE GARBAGE! They can't dispute that! | ||||||
| 08/04/2020 | Yes |
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Web | Servicemember |
| I was a victim of fraud through the XXXX app, someone made a fake account through XXXX, attached my PayPal account to their account and made three purchases. They purchased the following items : XXXX XXXX XXXX XXXX XXXX for {$690.00} + {$12.00} shipping from XXXX on XX/XX/XXXX, totaling {$760.00} XXXX XXXX for {$640.00} with free shipping from XXXX on XX/XX/XXXX, totaling {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX, totaling {$650.00} Before XXXX deleted MY XXXX account, I was able to get in touch with XXXX XXXX to cancel the transaction, he did cancel the transaction, I was refunded for the {$650.00}. XXXX deleted my conversations with XXXX and XXXX, saying that I violated terms of services by asking for personal information. Then, my XXXX account was deleted altogether for violating terms of services. I have filed a police report with XXXX XXXX County Sheriff 's department, Case # XXXX, I received one call from a woman at XXXX telling me the sales were clearly made from a fraudulent account, the account was suspended and she would be contacting her contact with PayPal to see how this could be remedied. She told me that I could give the Sheriff 's Department this email address for any questions : XXXX, which I did in fact give to Deputy XXXX the day the report was filed. I contacted PayPal to dispute all three charges as well, the first case was closed, I immediately contacted them to re-open, which they did, they closed the case again on XX/XX/2020 with no resolution, telling me that XXXX has refused to refund the money or respond to their inquiries. PayPal is now turning me into collections for the amount of {$700.00} for money they said they " fronted '' to cover the XXXX purchase and they have been unable to process through my bank account. They did however successfully process the {$760.00} through my account, and will not refund the purchase, although the address the item was sent to was not, in fact, an address that was ever associated with me or our account : XXXX XXXX XXXX XXXX XXXX, CA XXXX PayPal also continues to try and withdraw the {$700.00} out of my business account, despite being informed this is a fraudulent issue, causing overdraft fees and a huge headache for me, and the address for that purchase, also unverified or connected to me : XXXXXXXX XXXX XXXX, CA XXXX I have tried every day since I discovered the issue to contact XXXX at the following numbers : XXXX XXXX XXXX XXXX And now by email for every possible address, I can find online. I have not received phone calls back from XXXX within their allotted time frame of 2 days, but I continue to call. I have had to close all of my bank accounts, reopen them, cancel all my debit cards and have them re-issued, I am having to fight with PayPal to keep myself out of collections. One way or another, this needs to be resolved, and I need to be contacted to be assured this is being resolved. I have messaged PayPal through their " texting '' app, I have to wait " a few hours '' for someone to respond. I am trying to get PayPal to refund the last amount of {$760.00} and stop trying to collect the amount of {$700.00} from me, which they say they " fronted '' for a fraudulent transaction. | ||||||
| 04/23/2018 | Yes |
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| OnXX/XX/2018 Our company received a email from Pay Pal stating they have limited our account Dear XXXX, We are hereby notifying you that, after a recent review of your account activity, it has been determined that you are in violation of PayPal 's Acceptable Use Policy regarding your sales / offers of Unauthorized item ( XXXX XXXX XXXX ) on XXXX XXXX XXXX. As a result, your account has been permanently limited. Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, any funds on your account are held for 180 days. In addition, you may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. The PayPal User Agreement states that PayPal reserves the right to limit an account for any violation of the PayPal User Agreement, including the Acceptable Use Policy. Under the PayPal Acceptable Use Policy, PayPal may not be used to send or receive payments for items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction. This includes transactions for counterfeit items or unauthorized replicas or copies of items. You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. Sincerely, XXXX PayPal, Brand Risk Management PayPal Hello PayPal In regards to this email I am asking that our funds be accessible to transfer our funds to our bank account. Be advised we can legally sell a XXXX XXXX disc and hard drive, there is no law that says we can not do the following. Please be advised of the LAW. The first sale doctrine, codified at 17 U.S.C. 109, ALLOWS US TO DO SO We understand that you have the right to have or make up any rule in your policy, however you have no right to hold our funds as your institution isn't a Federal Bank or Federal institution but merely a processor only. Please be advised in the case filed against your establishment for the same illegal act XXXX XXXX : C XXXX SBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal institution settled out of court to avoid heavy penalties. You may contact our Trademark and patent attorney for further question regarding your alleged claim ( XXXX XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX, Patent Attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX XXXX We are asking that the funds be released ASAP If we do not receive action within 10 calender days we will have to process this with our attorney ( s ) Certified mail sent to address below ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX http : //www.paypal.com Paypal Executive Escalations dept : XXXX Contact Information XXXX XXXX - Supervisor, Exec Escalations XXXX XXXX ( Owner ) XXXX XXXX ( ceo ) XXXX XXXX XXXX ( ) XXXX XXXX ( Director ) XXXX XXXX ( Sole Proprietor ) | ||||||
| 02/08/2021 | Yes |
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| On XX/XX/XXXX, I received an email from PayPal saying that they would be updating their terms of service. The email contained a link to a summary of the changes, but the full text of the agreement is not available. I've been in touch with customer service, but they've repeatedly only provided links to a summary of the upcoming changes and to the full text of the existing agreement. ===== Here 's a transcript of my conversation with their customer service agents, starting XX/XX/XXXX : PayPal Assistant ( XXXX ) Hi, I'm the PayPal Assistant. How can I help? Choose one of these options or add your question below. -- - Me ( XXXX ) view current user agreement -- - PayPal Assistant ( XXXX ) It looks like you want help with a specific transaction. Please choose an option below. -- - Me ( XXXX ) None of these -- - PayPal Assistant ( XXXX ) I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type need more help ''. Why can't I view my password? How do I view or edit my account information? How do I view my invoices? -- - Me ( XXXX ) need more help -- - PayPal Assistant ( XXXX ) Would you like to send this conversation to a customer support agent? We typically respond within a few hours. -- - Me ( XXXX ) Yes -- - PayPal Assistant ( XXXX ) If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. -- - Me ( XXXX ) view current user agreement -- - XXXX XXXX ( XXXX ) Hi XXXX. My name is XXXX. Thanks for reaching out to PayPal Messaging! Effective XX/XX/XXXX, customers have been notified about upcoming User Agreement ( UA ) changes. The UA changes will take effect in selected countries starting XX/XX/XXXX to XX/XX/XXXX. I am glad that I was able to assist you with your query. Again my name is XXXX. Thank you for contacting PayPal where your account is safe and secured. You may now close the conversation by selecting End Conversation or by clicking the " X. '' -- - Me ( XXXX ) How do I view the text of the new user agreement? -- - XXXX ( XXXX ) You would have received an email about the updated terms and conditions of the new user agreement. Kindly go through the email and look for a hyperlink that would ask you to click on it to know more. [ Note : That was the same link I was given later by XXXX and XXXX. ] -- - Me ( XXXX ) Unfortunately the legal page only leads to the current agreements and a summary of the upcoming changes. I would like to read the actual full text of the new agreement. Please tell me how I can do that. -- - XXXX ( XXXX ) Kindly follow the link https : //www.paypal.com/us/webapps/mpp/ua/archive-policies-full and https : //www.paypal.com/ga/webapps/mpp/ua/upcoming-policies-full to read about the complete new agreement -- - Me ( XXXX ) That still contains only the summary. I would like to escalate my complaint. -- - XXXX ( XXXX ) XXXX in this case through this link you will be able to see our legal agreement : https : //www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full In the part of Policy updates under the title " Amendments to the PayPal User Agreement Effective : XX/XX/XXXX '' | ||||||
| 05/09/2020 | Yes |
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Web | Servicemember |
| PayPal closer my account Ive had open for over a year & they held on to my funds for over 180 days without any options to withdrawal money that wasnt theres too hold. My employer lives out of state and therefore we used paypal as an easy money transferring option. Well I was a victim of identity theft years ago and have filed all proper reports with the FTC identity theft local police etc. My employer and I had many verified transactions back and forth but recently in XX/XX/2020, PayPal decides to freeze my account after my employer sent me my {$600.00} paycheck. Needless Im a single mother of XXXX little boys so I called to find out what the deal was. PayPal told me I needed to fix issues in another account I had never heard of! It was a fraudulent account created from the theft of my identity. So after contacting all the right paypal consumer channels I reported this newly learned account as fraud and notified them of the identity theft etc. they would not do anything. It took a month to get on the line with a supervisor whom told me if I uploaded the identity theft reports that I would be able to withdrawal my funds within 72hours. So I went the site he advised at paypal.com/ whatever and uploaded all requested documents dispute being apprehensive to provide my personal information bc of the previous theft. PayPal didnt care.. after 3 days I recieved an email from paypal stating my account was now closed and ny remaining funds would be held for 180 days! Mind you this whole process had already taken over a month & I was waiting on withdrawal if funds that were rightfully mine that were being held bc of a fraudulent account that I had no knowledge of and gave all information requested and had previously verified all transactions and paypal even verified the funds from my employer! They were messing with me and my money and have caused me a great deal of complications and hardship. There was one dispute opened at this time as well and the dispute was awarded in my favor. But if I couldnt access my own money or withdrawal it how can paypal just take money from my account or hold or freeze funds that have already been verified? My funds are still in the 180 day waiting period since my account closed in XXXX! I have yet to recieve my paycheck which is the remaining {$700.00} from my account & it is now XX/XX/2020. I have names of all the employees I spoke with including the supervisor that said Id have my funds within 72hours and then closed my account and put a 180 day hold on my funds. They are awful company and when I legally requested for them to close that fraudulent account they blatantly refused & I gave them all verified documents and reports showing it was fraudulent! I would never open another PayPal account again nor will I advise anyone I know to do business with these scammmers all they do is take your money and try to get you to jump through all these impossible hoops when they know they are going to keep your money! On top of it all the customer service is outsourced internationally so you can hardly understand a word their telecommunications team is trying to say & their customer service is below par as I was hung up on 3 times after being put on hold for hours at a time. | ||||||
| 12/13/2018 | Yes |
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| Good morning, and thank you in advance for any help you may be able to lend to help me resolve a problem with a transfer and the dissapearance of {$1700.00}. On XX/XX/XXXX, I initiated two ( 2 ) money transfers from XXXX to my bank, XXXX XXXX XXXX. One was for {$120.00}, and the other for {$1700.00}. The {$120.00} hit my account on XX/XX/XXXX, but the {$1700.00} did not. I immediately contacted XXXX, and they said it takes up to 3 business days, so I waited and called them again on XX/XX/XXXX, when the monies were not there. I was told it would hit the account by the end of business day. On XX/XX/XXXX, I went to the bank. The bank alleged they never received the monies, and there were no rejected transactions on my account. I then called XXXX and they said they could see the money had been accepted by the bank, and that it should hit by the end of the business day. They said that if the transfer had been rejected, XXXX would have emailed me right away, so this was, on their end, a successful transfer. Since then, I have been passed around like a hot potato between XXXX and XXXX, both saying they do not have the money. On XXXX, I requested an escalation with XXXX and asked for a supervisor. I spoke to XXXX, and asked him to own the problem, as every time I called I had been passed around to different people and had to explain the problem over and over. I got an email from him ( case # XXXX ), and agreed to keep me updated with any developments on this case. I requested that they provide me with a trace number for the transfer. On XXXX, I received trace # XXXX. I took this immediately to the bank. On the same day, the bank provided me with a document showing that this transfer had been bounced back to XXXX on XX/XX/XXXX, because XXXX incorrectly coded the account type. I immediately sent this to XXXX, and requested that the monies be placed back in my XXXX account. On XX/XX/XXXX, not having received a response or update, I called XXXX again. I spoke to XXXX, who said " I see the document, but I do not see where the funds ever came back to XXXX. '' I have spoken to both XXXX and the bank again since then. My emails to XXXX have gone unanswered. XXXX said the money was sent back, and there is nothing else they can do. The last representative from XXXX that I spoke to, XXXX, said that it appears that when the funds came back they were misdirected, and was unable to help me. I told XXXX that all points to the fact ( and per her own admission ) that XXXX made a number of errors which resulted in me being out {$1700.00}, and that it is XXXX 's responsibility to replenish my account. If they gave the money to someone else, it is not my problem. This is XXXX 's error, not mine. XXXX said there is NOTHING they can do, and refused to escalate the call to a supervisor, because she said " the supervisor will just tell you the same I did. '' I hope you will be able to look into this and help me, not only to recover my money, but to look into the operations of XXXX. They move millions of dollars every day, and there are numerous posts online about people 's transfers disappearing. It does not appear to be an isolated event. I thank you in advance for your assistance. XXXX XXXX | ||||||
| 05/29/2023 | Yes |
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| Dear reader, I hope you are doing well. The subject of my complaint is " PayPal Holding {$600.00} and Refusing to Send to Recipient or Cancel Payment. '' On XX/XX/2023, I initiated a friends-and-family payment on PayPal to my partner and roommate PERSON A for {$600.00} with the note PERSON B the cleaner only takes XXXX!! ", which PayPal flagged for review and still has not sent to the intended recipient PERSON A as of XX/XX/2023, over 2 months later. The reason PayPal has not completed the payment is because I accidentally mentioned another individuals name in the note with the payment ( PERSON B ), and PayPal now demands the birthdate of that unrelated individual who is not associated with the payment and is not receiving the money. I do not have that individual ( PERSON B ) s birthdate and I am unable to provide that information. PERSON A and I have a multi-year history of sending one another money using PayPal due to our history as partners and roommates. With this particular transaction, I accidentally copied another persons name ( PERSON B ) into the message associated with the payment. Since the payment was initiated, PayPal has refused to complete the payment or cancel it because On XX/XX/2023, you sent a payment for the amount of {$600.00} for " PERSON B the cleaner only takes XXXX!!. '' Please provide the following information : The date of birth for PERSON B... This hold can not be removed until PayPal receives the requested information that will enable us to ensure our compliance with our regulatory obligations. Over the past two months, I have tried collaborating with PayPal in multiple ways to resolve this issue. I have tried collaborating with PayPal to resolve this issue by offering to provide the intended recipients birth date ( PERSON A ) since he already has a PayPal account and has previously provided PayPal with his Personal Identifiable Information ( PII ). PayPal informed me that would not work. I have also tried to collaborate with PayPal by offering that PayPal simply cancel the payment and refund me. I have requested that PayPal explain what regulatory obligations require them to obtain the birth date and PII of an unrelated individual who may not hold an account with PayPal, and PayPal refused to give rationale or even the name of the regulation they may be supporting. I have told PayPal multiple times that the individual whose birth date they are demanding is not associated with the payment and is not receiving the payment. I can not provide PayPal with the PII and birth date of this individual, who is not associated with the payment. I have asked PayPal to provide more information on why that individuals PII is required for the payment to complete and PayPal is unable to answer. Although PayPal claims the only impact on my account is that I am unable to close my account, the other impact is that PayPal has effectively stolen {$600.00} from me and refuses to send that payment to the intended recipient or return it to me. I believe a fair resolution to this complaint would be for PayPal to cancel the payment and refund me the {$600.00}, or for PayPal to complete the review and send the payment of {$600.00} to PERSON A ( the intended recipient ). | ||||||
| 07/09/2020 | Yes |
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Web | Older American, Servicemember |
| PayPal Fraud PayPal XXXX XXXX fraudulently opened a credit account in my name without my knowledge or approval on or about XX/XX/XXXX. No confirmation or other information was ever sent to my mailing or email address, or to my phone numbers therefore I did not know the account existed until approximately XX/XX/XXXX. I learned of the account because a collections department of PayPal/XXXX XXXX called my phone stating I was delinquent for XXXX payment. They further stated I owed a balance of approximately {$6000.00}. I explained it was not my account and they said they would remove it from my name since they had a different email address connected to the account than my actual email address. They also explained that over the months that payments had been made to the account but that those payments bounced or were fraudulent payments ... never actually getting credit. This didnt make sense. Why did they show valid credit payments if they bounced, and why did they continued to allow charges on a delinquent account that was receiving fake payments? I had several conversations with XXXX XXXX. Upon contacting the credit bureaus I learned my score had dropped nearly 100 points due to the opening and subsequent delinquent status of this fraudulent account. They asked for a police report which I filed and sent them copies. My fraud claim is now denied by XXXX XXXX. They refuse to tell me what form of payment was made to the fraudulent account, the financial source, and how they confirmed I am the source of those fake payments. I did learn from their personnel that PayPal transferred all their banking and accounts to XXXX XXXX on XX/XX/XXXX, one week after PayPal fraudulently opened an account in my name. XXXX XXXX claims PayPal opened the fraudulent account but they refuse to give me a PayPal contact number stating PayPal is closed XXXX XXXX states that all the charges on the fraudulent account were made to the same online vendor/retailer : XXXX XXXX. Upon finding a website for XXXX XXXX I see that company does not list PayPal as an accepted form of payment. Their online product is none that I have ever heard of. Something to do with internet privacy packages for worldwide distribution. This seems to be an issue for the FBI. Due to the circumstances of my excellent credit 800+ on XXXX of XXXX, my senior age of XXXX being targeted as an unsuspecting elder, and the timing of the PayPal transfer to XXXX XXXX I suspect that this fraud was committed by a PayPal financial employee to launder money to themselves. The so-called charges to a vendor that doesnt show PayPal as a form of payment doesnt make sense. XXXX XXXX claims they do not have to confirm a credit card account as legitimate by mailing confirmation to the physical address. This also doesnt make sense, as all credit card companies do confirm by mail to the legal address of the accepted card holder. PayPal and XXXX should be held accountable for their on-going fraud against me. PayPal was successfully, by class action, sued for this in the past. Credit bureaus should not allow this fraud account to ever be on my reports. I have provided a copy of the police report and other documents attached to this complaint. | ||||||
| 11/14/2017 | Yes |
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| On XXXX/XXXX/XXXX, I received an email from Paypal stating : " When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. '' A limited account means I can not receive money from friends and most importantly, it means I can no longer purchase items from XXXX, where I have account credit stranded. I replied on XXXX/XXXX/XXXX, asking for details of why my account was limited as none were given. I called PayPal asking for clarification but was told to wait for an email. I did not receive a response until XXXX/XXXX/XXXX, where they informed me : " We regret to inform you that we can not overturn the limitation on your account. Due to the violation of PayPal 's Acceptable Use Policy, your account has been permanently limited. '' Again, I have been given no specifics as to why this action was taken against me. I bot emailed and phoned PayPal, asking for a review of my account and clarification of details. Finally, on XXXX/XXXX/XXXX, I received this response from PayPal : " We regret to inform you that we can not overturn the limitation on your account. Due to the violation of PayPal 's Acceptable Use Policy, your account has been permanently limited. Please refer to : - Transaction/s : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX '' After doing some research and reviewing my account several months back, I found the above transactions took place in XXXX and XXXX of XXXX, and were for loading my PayPal account with XXXX Cards, purchased at XXXX. XXXX XXXX are valid financial instruments ( no longer for sale in stores ) used to fund one 's PayPal account in order to make financial transactions online. I 've used PayPal to purchase items from XXXX, I send money to friends, receive money from friends, receive money from mystery shopping, and I even rent vacation housing using XXXX -- all things PayPal is designed to let people do. I had been using XXXX Cards to load my PayPal account since approximately XXXX, without problems or issue from PayPal. So six months after my last XXXX Card transaction, PayPal decides there 's an issue using these. I called PayPal and emailed a request on XXXX/XXXX/XXXX, to appeal based on the above arguments and on the same day received a response that my account had been permanently limited and that there were no further appeals. On XXXX/XXXX/XXXX, I called in order to set-up a business PayPal account so that I could at least access my account credit on XXXX and receive payment for mystery shopping, but when I gave my email address, I was warned by the PayPal associate that my personal account was permanently limited, that if I opened up a business account that it would be linked to my personal account and that it too would be permanently limited -- without appeal. PayPal, can not shut my account down for LEGAL activity encouraged by them ( purchase of XXXX Cards at retail outlets ), that occurred 6 months from this action and that are no longer able to occur ( XXXX Cards are no longer sold at retailers ), and that permanently limits my ability to purchase items from the world 's largest e-retailer ( XXXX ). | ||||||
| 11/22/2019 | Yes |
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| On XX/XX/19 I sent {$1000.00} to my son XXXX XXXX via Paypal. Paypal sent me an email saying they had sent the amount of {$1000.00} but my son only received {$970.00}. My son then ascertained that Paypal had kept the missing {$30.00}. That is, the lost money was not due to any fees charged by his receiving bank. Paypal actually sent an email to my son saying they had deposited {$1000.00} in his Paypal account but the bank only recorded {$970.00} in deposit. I wrote to Paypal through their Resolution Center and requested an explanation for the loss of the money in the transaction and the inaccurate reporting of the amount Paypal 's transaction ID for the money exchange was Transaction ID : XXXX The Paypal Dispute Case ID was Dispute Case ID : XXXX I got a form letter from Paypal saying my initial request for an explanation of their taking the {$30.00} with no indication of where the money went didnt meet their qualifications for a billing dispute. This was their entire reply to my request. I submitted an appeal to Paypal in which I had to include a frivolous attachment in order to get their software to even accept my appeal. Paypal sent me a second impersonal email, which again did not speak to my complaint in the least, saying my complaint was not valid but offering no explanation as to why it was not. I searched the Paypal website but was not able to find any explanation for why they might be taking this cut of the money from monies I was transferring to my family. My son later realized that Paypal had been taking this cut for at least three months. I have been sending my son $ 1000 monthly via Paypal for a year before Paypal started taking this cut. I have noticed that now, when I send money to family on Paypal, once I enter the amount Paypal sends me to a screen which says they are giving me a 'protection ' plan. There is no choice on the screen except to accept the 'protection. ' It is clear that Paypal has entered the Protection racket, but I was surprised to see them doing it in such a public manner unlike the private, personal 'protection ' offered by less legitimate loan services which they appear to be emulating. It was a nice little XXXX dollars and it would have been a shame if something happened to it but I would have liked to have been given an opportunity to understand the nature of the 'protection. ' Paypal clearly does not want me to know, and declines to discuss, their protection racket. I have stopped using Paypal as I told them I would if they did not offer me an explanation for their unexplained appropriation of my money, but I would like the CFPB to ideally make Paypal quit taking people 's money in this underhanded way or at least make the transaction transparent to the customer so that the legal mechanism by which the company takes their cut is documented and explained in the transaction. As it currently stands, Paypal tells the customer they are transferring the money at no charge, then does charge a fee, then denies or refuses to explain why they charged the fee they said they were not charging. This sort of financial transaction should be left in the hands of organized crime and should not be allowed in so called legitimate money handling services. | ||||||
| 12/01/2021 | Yes |
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| Venmo Support, I am following up regarding a recent case of financial fraud that was committed against me through the use of your platform. On XX/XX/XXXX, I was a victim of a confidence-type employment scam, and falsely convinced to send multiple payments totaling {$3200.00} to the account of a XXXX XXXX XXXX Promptly following the discovery of this scam, I contacted account support at my financial institutions as well as support staff of this platform, informing them of the fraudulent activity and asking them to freeze and/or reverse all transactions. Additionally, I filed reports with local authorities, and now have an open case with the XXXX XXXX XXXX XXXX regarding this incident. As part of the above investigation, I have followed up with my financial platforms to provide evidence and support regarding the case. As part of thisand to my surpriseI have been made aware of a negative balance in my Venmo account totaling {$3200.00}. It appears that, despite prompt notice of fraudulent activity to Venmoboth through Venmo support directly and through financial agents at XXXXVenmo has processed all fraudulent payments and left my account with the entire liability related to the case. While I understand the complexities of the case, this is hard for me to reconcile on two levels. First, that Venmo had effectively credited me {$3200.00}, independent of actual funds sent from my bank, without requesting approval from me or without notifying me at the time of transaction and, more troublingly, without any mention of this policy or like overdraft protection in the user agreement itself. Second, that despite the prompt notice of fraudulent activity ( given less than 24 hours of the transaction ) that these funds were completely unrecoverable. It seems like these policies fundamentally conflictthat the sender is liable and the receiver is unreachableeven in cases like this, where the funds never existed in the first place. All this amounts to Venmo effectively giving my account unsolicited credit to complete a fraudulent transaction, which it now holds me liable for without any explanation or notice. For reference see timeline below : XX/XX/XXXX XXXX XXXX - made 7 payments totaling {$3200.00} to XXXX XXXX for equipment that was never received. XX/XX/XXXX - check bounced and notified both venmo and the bank, XXXX account was frozen. I reached out to venmo customer support and requested the transactions be reversed and asked what could be done. ( see transcript attached ) XXXX XXXX I went online and discovered my Venmo account was frozen. From PayPal 's User Agreement ( parent company to Venmo ) : " PayPals Purchase Protection program may apply when you encounter these specific problems with a transaction : You didnt receive your item from a seller ( referred to as an Item Not Received claim ) '' I sent money to a vendor who was supposed to send equipment ( a laptop ), and received nothing. I never received any email from venmo stating you covered me for the {$3200.00} payments. In addition to this message, I am following up with the Consumer Financial Protection Bureau and following their recommended procedure. I look forward to discussing with your team to find a solution. | ||||||
| 09/05/2019 | Yes |
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| On XX/XX/2019 my roommate sent me a payment via PayPal for {$800.00} to cover her rent and expenses. She had sent me the payment earlier than the first of the month to help me out because I had a family emergency and needed the funds to help out with it. Upon receiving the funds in my PayPal account I then put in a Withdrawl/transfer request For a {$710.00} instant transfer to my debit card. Upon approving the transaction I received a message stating that the transaction could not be processed at this time. I checked my PayPal account balance to find that the money was not in my PayPal account anymore. I then checked my bank balance and learned that this transfer headi for a {$710.00} instant transfer to my debit card. Upon approving the transaction I received a message stating that the transaction could not be processed at this time. I checked my PayPal account balance to find that the money was not in my PayPal account anymore. I then checked my bank balance and learned that The {$710.00} was not in that account either. I contacted PayPal and was told to give it till the end of that day and that the payment should go through. It did not. On XX/XX/XXXX I contacted PayPal again to find out the status of my transfer. They advised that I should wait until close of business that day and that it should go through. It did not. I again contacted PayPal on XX/XX/XXXX to try and ascertain what had happened to my funds and was told that my account had been escalated and that someone would contact me within 24 to 48 hours. Nobody contacted me in that time period And The money was still not available in my account. On XX/XX/XXXX I contacted PayPal and they attempted to reverse the transfer. It was at that time that they advised me that they could not reverse the transfer because it was sitting somewhere waiting for my bank, XXXX XXXX, to approve or reject the transfer. I was told that because of this PayPal could not make any changes. I contacted my bank per the PayPal representatives instructions and requested that they authorize the payment so that it would go through. I was advised subsequently, on XX/XX/XXXX, by my bank that they had no record of that transfer authorization ever coming through. I again contacted PayPal, this time on XX/XX/2019. I appraised the representative of the situation and she told me that it was A PayPal error that PayPal was aware of and was looking into and that my case was being escalated and that they would get back to me within 48 hours. I told her this was unacceptable. as they had already had the funds not available in my account for over a week.. I told the woman that I needed this money to pay my rent which is already late. I asked if there was anyway that they could make the funds available in my account, since they already were verified via PayPal And it was a PayPal error ( which they admitted ) that was causing a problem.I was advised that this was not possible and that they would try and make it a priority to resolve the issue but wouldnt be able to get back to me for an additional 24 to 48 hours. A fair resolution would be PayPal making my money available to me by crediting it to my PayPal account well they worked on resolving their error. | ||||||
| 09/09/2023 | Yes |
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| On XX/XX/2023, PayPal decided to limit or restrict both of my accounts permanently, even after providing the requested identity verification documents and reasoning of funds transferred. PayPal accepted my funds coming from my bank account just fine to then block me immediately when I attempted to move them out of PayPal, essentially creating a free loan for them of {$7100.00}, as they put a hold on it for XXXX days without any alternatives or paths to resolution. This includes my multiple requests to simply return the money to exactly where it came from, as they have no rights to keep my money for that extended period of time. Their reasoning is due to high risk of fraud for this activity ( despite me proving otherwise that these are legitimate funds and not fraud ) and that they come from legitimate sources from accounts I personally own. They stated I also used a proxy anonymizer, which I replied I don't even know what that is and that the only thing I can think of is XXXXXXXX XXXX XXXX being enabled, which comes by default with XXXX and XXXX products like XXXX, XXXX, etc. Other than that, I did not use a VPN with PayPal or even have a VPN set up at this time. The other reason raised was having XXXX PayPal accounts with similar information, and I explained XXXX was intended for personal use and another for my sole prop business. However, never really ended up working that way and both are now showing as personal after their statuses were downgraded/changed, but they were at XXXX point different types so that is why there are XXXX right now. Happy to close XXXX of them, of course, since I do not need XXXX personal accounts. Additionally, I explained the funds I own came from my XXXX XXXX account under my name, and those aren't funds where any claims, chargebacks, refunds, or disputes at all can be brought up against it because these are not purchases or transactions related in any way to goods or services. They are solely personal money movement. This already refutes their reasoning to hold funds for XXXX days due to those same reasons that are not valid in this case. XXXX XXXX also confirmed to me via phone that PayPal is the XXXX responsible here because XXXX already sent those funds to PayPal and there is nothing for XXXX to do here because they now sit with PayPal who is holding those funds without due cause. They said PayPal needs to release those funds on their side, as XXXX XXXX already did their part in successfully sending the verified funds. Despite my attempts, PayPal just continues to send copy paste scripts stating the same thing that my account has been permanently limited and that it is final, and that no money can move in any direction for XXXX days, which is completely unfair and unreasonable in this case, and shows they took no care to understand this case or work with me for a resolution. If you look online, this is a common fishy PayPal practice of decades, and many small business and individuals have been affected harshly for doing normal activities and using services as intended, in the end affecting the livelihoods of many in the U.S. and around the world by holding essential funds that could save and protect businesses and human lives. | ||||||
| 03/18/2016 | Yes |
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| This is what I wrote paypal : Dear Paypal, I am respectfully requesting that the hold on my funds/account be lifted and my funds returned to my bank account in the amount of {$2200.00}. The XXXX charge backs have been canceled by the cardholder, which I confirmed on the phone with the cardholder and his bank/card company, XXXX XXXX, on XXXX XXXX 2016. I am not necessarily requesting that my account be re-opened or allowed to continue to use PayPals service, as I have already taken my business to a merchant provider and I am no longer in need of PayPal 's services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it, however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Wednesday morning, XXXX XXXX, 2016 if I am not satisfied with PayPal 's response to this request to release my funds : ( agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General The XXXX Office of the Attorney General The XXXX Office of the Attorney General The United States Federal Reserve ( I understand that PayPal does not operate as a bank, which is precisely why they may be interested in such complaint ) and The XXXX All complaints will be filed online Wednesday morning XXXX XXXX, 2016 and written copies will also be sent via certified postal mail. I understand PayPal 's need for holding funds for credit card charge back purposes, however a review of my account history for the last year will reveal a XXXX percent charge back rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$100.00} for credit card charge back purposes for the duration of the 163 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard " this is part of the terms of service that you agreed to '' will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Wednesday XXXX XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. XXXX XXXX XXXX XXXX XXXX XXXX : Case XXXX, Case XXXX, Case XXXX, Case XXXX # # # END OF EMAIL I SENT I would like them to return the XXXX separate transactions to my account of {$990.00} back to my paypal account and release the remaining {$2200.00} to my bank account on file. They responded to my email with their standard response letter of course. | ||||||
| 09/07/2020 | Yes |
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| The name of this company is PayPal ; if you do a XXXX search you'll find numerous complaints about this company holding/freezing funds without warning even though the company may have pre-dated an issue with an account holder. Yes pre-dated ; a transfer occurs then an issue with the account is flagged but the account holder was not alerted prior to the action. I'm an online teacher. Due to the COVID19 lock downs I'm unable to work in various XXXX countries. I've been trying to get work online and was able to do so with XXXX XXXX XXXX XXXX who is based in California but operates branches world wide. Unfortunately most online schools remit to teachers through PayPal ; PayPal cloaks it's rules and regs with verbose and vague language designed to confuse and create in the mind of the account holder that it operates openly and fairly to protect the consumer. Not even close. About 2 months ago I received a {$58.00} payment from the school mentioned above. My account was immediately locked and I was told to call the customer service center. I complied to the call request only to find out on several occasions that the XXXX XXXX had limited hours due to COVID19 " restrictions ''. Limited meaning every time I called I got the same automated message and never spoke to a human. I then began sending emails to XXXX XXXX CEO of PayPal. While he didn't respond I noticed that the customer service activity increased : I began receiving direct emails instead of copy and paste regs. On at least 2 attempts PayPal tried to call me from a service center in XXXX but I was not available when they called. I also had issues transferring the funds to the bank as PP constantly kicked back the transfer saying " there's something wrong with the bank account ''. What was wrong was never indicated so instead I just listed a different account. Finally the funds got transferred some XXXX weeks after receiving them. Now, on XX/XX/XXXX, I received another payment from the school for online teaching in XXXX this time for {$370.00}. Again PayPal immediately locked the account and for no apparent reason deleted the picture ID I had on file there. They flagged my account with : '' Verification needed '' and " verification of the goods or services sold needed '' as well. I'm not sure what is confusing about " I'm an online teacher I'm not selling a good or service '' but there must a communication XXXX on the side of PayPal. I complied with their requests and immediately sent an email once again to XXXX XXXX the CEO detailing the latest fandango I'm required to satisfy. Additionally I sent multiple complaints to PayPal 's customer service center regarding this issue. Today, XX/XX/XXXX, PayPal sent me an email notifying me that my account had been restored. However the funds are still frozen for what I'm to understand could be as long as 60 days. Not acceptable. Again I messaged complaints to the 2 entities already mentioned. They offered to " get funds faster '' by providing details on the product or service sold. I don't have a product or service I'm an online teacher. It appears PayPal wants to freeze funds until after the XX/XX/XXXX election in America ; again not acceptable or necessary. | ||||||
| 12/01/2022 | Yes |
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| I received a branded email from PayPal saying that I had transferred funds to purchase XXXX and in order to dispute the claim I called the customer service number in the email. When I called, the representative pretending to be associated with Paypal/XXXX said that my security had been breached and that he needed to run a security check in order to cancel the transaction. When doing that he said that my XXXX address had been compromised and that there was suspicious activity dating back to the beginning of the month including illegal purchases in several other countries. Insisting that he was associated with PayPal ( an accredited bank ), he said that in order to cancel these and ensure new security we needed to go through a process with PayPal, XXXX, and Venmo since they're owned by PayPal. I was told that because I had not done an identity verification with PayPal, that was why I had been hacked. He had me download an app on my phone so that he could guide me through the process by seeing what was on my screen, including personal information, account details, my ID, passwords, and the amount of money in my bank accounts. He said that we needed to transfer money to his Supervisor of the PayPal Security Branch, and insisted that the money was coming from him as a PayPal representative and that it would not be coming out of my account. It did, in fact, come out of my account. Through the XXXX money transfer app, he had me send {$1800.00} to the supervisor in order to get account verification and justified the amount by explaining it as a way of validating the account limit so that if someone in the future tried to hack or breach that limit, PayPal ( him ) would have already put some measures in place to prevent it. After that transaction went through ( instantly ) he said we had to do the same thing through venmo and had to send the same amount of money to someone in my venmo transaction history. ( She, thankfully, was able to send the funds back to me. ) He also called her pretending to be Venmo/PayPal support and tried to go through this same process with her saying that she needed to send money to a random person on Venmo in order to move through this process. Next, when I began to insist that I needed to be refunded for the initial transaction on XXXX, the PayPal representative transferred me to another branch for refunds. But first, before getting to the final refund step, insisted that I needed to complete the internet security steps in the process which involved driving to a PayPal XXXX XXXX in a warehouse 200 miles away. I insisted that I would not be doing so and said we needed to skip that step in the process and refund my money from the XXXX transfer. He refused, said that there was a process in place for a reason, said it would be impossible and refused to go any further if I would not comply with this step. And now through this fraudulent scam, Ive lost {$1800.00}. I tried taking steps through both XXXX and XXXX but neither was willing to help. XXXX said theres nothing they can do and XXXX says that they can't get involved in disputes between senders and recipients. Please advise on how I can further dispute this transaction and regain my money. | ||||||
| 10/29/2016 | Yes |
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| A person who has purchased several of the exact same items from me on eBay opened a case about an item not arriving. The item was shipped with tracking and everything required to be covered by eBay 's seller policy. I contacted eBay, they ruled in my favor and closed the case XX/XX/XXXX. The buyer turned around and then said the item did arrive but was not as described, opening another case with eBay. I once again called eBay and they closed the case in my favor again XX/XX/XXXX. Both times the amount of the transaction was immediately taken from my paypal account. Despite being covered by both eBay and PayPal seller policies. Both eBay and PayPal had immediate access to the shipping label with tracking I printed through eBay, paid for via PayPal. For some reason the XXXX transaction did not get credited back to my account. I figured it was a simple error, and I sent PayPal an email saying the cases have been closed, there is no reason why the funds should not be credited back to my account XX/XX/XXXX. Instead of resolving the matter, I got a boilerplate frequently asked questions response to my email on XX/XX/XXXX. The entire day passed and I was sent other money. I logged into my paypal and noticed the funds still had not been credited back to my account. I proceeded to call PayPal. The first representative was not helpful, refused to call eBay, and transferred me to PayPal dispute. Despite the fact no dispute had ever been opened directly with PayPal. The another operator, XXXX # XXXX proceeded to explain to me various stuff and waste my time. A few times I was told the funds are still on hold because the case was closed. I requested they call eBay upwards of 3 times. They denied my request, and proceeded to waste my time. When I requested a supervisor I was put on hold, and then hung up on. I then noticed a credit to my account. This is ridiculous, and a financial transaction company should not make such mistakes, nor treat customers this way. eBay and PayPal are different companies now. The only time money should be taken from my PayPal account regarding an eBay transaction is when eBay has ruled against me. The present policy is that as soon as a case is opened, despite the seller being covered by seller protection by eBay and PayPal. PayPal immediate takes the funds from the sellers account. No matter if they are at fault or not. In both these situations as all thus far eBay has ruled in my favor. PayPal has never had justification to take money from me. I do not get interest on the funds while they are taken from me. I do not believe PayPal is immediately crediting the buyer and then taking the money from them if the case is not ruled in their favor. Thus Paypal is doing this to get money that is neither in the sellers or buyers account. This should not be legal. Furthermore when I have done nothing wrong and covered under both policies, I should not be subject to funds taken from my account. Just to be credited back. It might have made sense when they were XXXX company but they are XXXX. I seem to have no protection against my PayPal account. Anytime someone opens a dispute the money is taken, just to be given right back. It makes no sense what so ever. | ||||||
| 10/04/2018 | Yes |
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| To whom it may concern, During XX/XX/2017, I purchased two pieces of equipment [ about {$2000.00} ] in XXXX using PayPal financial services for the payment purposes, including shipping. I was confident under the two paramount principles that PayPal offers to their users ; 1 ) 180 days buyers satisfaction and money back warranty, and 2 ) the seller can not [ under any circumstances ] keep the merchandise and the buyers money at the same time. The seller was located in a different country than mine. This means that the shipment needed to be properly documented, which the seller neglected to do. As a result, when the two pieces of equipment arrived to the intended location, two issues arose. 1 ) A discrepancy of the shipment 's weight showed an inconsistency from the time that was recorded during tis origin and when the package showed into its destination. In short, I was liable to pay the shipping difference on top of the initial shipping costs that I fully paid on advance. 2 ) Additionally, the two pieces of equipment were not documented properly ; that is, the details of the transaction were not explicitly documented. This lead the Customs Authorities to ascribe a disproportionated duty into the two pieces of equipment. Collectively, these two issues made me responsible to pay extra shipping along with a disproportionate duties, [ basically, ordering a XXXX but paying the taxes for a XXXX for the same XXXX ]. Immediately, I tried to provide documentation to the Customs Authorities in order for them to revise the duty process. They told me, essentially, is faster to sent the package back to the seller, and for him to include the documentation and shipped back to me, than for them to revise the duty excise process. This interaction made me to contact the seller, who also I communicated the shipments weight inconsistency along with his negligence about including the documentation necessary for an international shipment to be fairly deliver. Both of us agreed that the package should be sent back, and a soon as the package arrived at the sellers location, a refund to the buyer [ me ] should be initiated by the seller. Eventually, the package reached the sellers location but the refund was never initiated. I contacted PayPal to notify them that a shipment was returned due to the lack of proper documentation and the shipments weight inconsistency, which caused me to pay extra shipping costs besides paying in advance for the full shipping service. As they verified that the shipment indeed was back at the sellers location, they assured me that I Should received my money back. However, they found my claim flawed because they said that no matter what, I am liable of the disproportionated duties of the shipment. PayPal refused to acknowledge the weight discrepancy too. This flawed reasoning caused me to filed a chargeback with my bank, which they denied, on the grounds that they can only be responsible between PayPal and me, and they couldnt be responsible with what happened afterwards. Moreover, I tried to contact the seller, who claims that after I filled the chargeback, the money of this incomplete sale was withdrawn from his account and never returned to him. | ||||||
| 01/24/2017 | Yes |
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| On XX/XX/2016, a woman ( the XXXX ) contacted me via phone. She wanted to buy a a high-precision survey instrument from me. The instrument costed over {$10000.00}. The XXXX provided me the information via phone. I used PayPal XXXX to process the transaction. Initially, the XXXX 's credit card was declined because there was a daily purchase limit on that card. I contacted the XXXX by phone immediately. The XXXX told me she would contact her credit card company to increase the limit. After about XXXX minutes, the XXXX called me to explain that she had spoken with her credit card company and resolved the problem. She asked me to go ahead and process her credit card. I tried to process the same credit card again, and I was able to successfully charge the XXXX. I shipped the instrument to the XXXX through XXXX ground service with signature required. The shipping address was the same as the credit card billing address. According to the tracking number record on XXXX website, the XXXX received the package and gave her signature in XXXX days later. But XXXX days after this transition, I received a notice from PayPal that XXXX filed an " Unauthorized Payment '' against me. Since then, I have tried to contact the XXXX by phone and email but have never received a response from the XXXX. After I received PayPal 's notice, I provided all the information to PayPal at that same day, including the XXXX tracking number, the receiver 's signature, and the detailed communication information between the Buyer and me, as well as the communication between the Buyer and her credit card bank. After XXXX months, PayPal provided me a notice : " We have reviewed the case. Because you have not met XXXX performance requirements, the transaction will be reversed. The case is now closed. '' I contacted PayPal customer support several times and asked for the name of the XXXX 's credit card bank so that I could directly communicate with that bank. PayPal told me that they could not provide me that information and recommended that I instead involve a relevant government agency or ask law enforcement to issue a subpoena. I have XXXX questions that need answers from PayPal and the XXXX 's credit card bank : XXXX. What are the details of the results from the investigation conducted by XXXX 's credit card bank and Paypal? ( e.g. Did the name not match? Did the address not match? etc. ) XXXX. Why did the XXXX 's credit card bank conclude that this was an " unauthorized payment, '' despite the fact that we provided information such as the XXXX shipping records and the buyer 's signature? XXXX. Did the XXXX 's credit card bank check the transition day phone conversation voice records with the XXXX? XXXX. The first attempt to process the credit card was n't approved because the charged amount exceeded the daily purchase limit. However, after the XXXX spoke with her bank and received approval to raise the daily purchase limit, the second attempt to process the credit card transaction worked. Why did the XXXX 's credit card bank conclude this was an unauthorized payment, despite the fact that the XXXX 's credit card bank gave the approval to raise the daily purchase limit on the transition day? | ||||||
| 08/19/2021 | Yes |
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| On XXXX XX/XX/2021 PayPal has decided to close my account with an available balance of {$8100.00} The email sent to me stated : " After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal. What happens to your account balance? If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities like settling cases from your buyers, responding to chargebacks and helping you avoid financial losses. As we initiate the closure, we must oversee the appropriate movement of funds in your account. If your account balance is below XXXX, you'll have to settle the amount owed on your account to avoid further action. How will the process work? Our first review will calculate our exposure and can result in any of the 3 different outcomes mentioned. After each review, excess funds will be released for withdrawal. Well communicate the outcome of the reviews to you. We'll release the entire remaining balance to you for withdrawal. If you choose not to withdraw the funds at that point, we reserve the right to re-coup any funds at the next review ; or We'll release a part of your remaining balance to you. If this is the case, we'll inform you about how much funds can be withdrawn. We'll then conduct another review ; or We won't release any funds to you if we deem our exposure to be greater than or equal to your available balance. Your account may be reviewed multiple times ; for up to 180 days from the date of this email. If there are funds in your account at day 180, it will be made available for withdrawal at that point. '' On XXXX XX/XX/2021 PayPal sent me an email stating : " We're holding funds in reserve to cover any possible account liabilities because of your account limitation. We'll review your account monthly and release your funds between 30 and 180 days. You can see the details of these funds when you log in to your PayPal account. Click Pending Balance from the Account Overview. You have funds available to withdraw. You can transfer this directly to your bank account. Reserve Amount {$820.00} USD Release Amount {$7300.00} USD To access released funds, log in to your account to make a withdrawal. You can withdraw funds to your bank account. If you have a negative balance because of a limitation, we may try to cover the negative balance from the reserve amount. '' I did not withdraw the money because I was sure that there will be no chargebacks, so I could withdraw all of my money at once {$8100.00} 180 days have passed on XXXX XX/XX/2021 and I have logged into my PayPal account and my available balance was {$0.00} Without any warnings, PayPal took all of my money. I have tried to settle this with them multiple times but they are not cooperating. All they are saying is that I have violated their AUP policy, which btw states that if I violate it they may debit my PayPal account up to {$2500.00} USD. Instead, they took all of my available balance {$8100.00} | ||||||
| 05/16/2019 | Yes |
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| On XX/XX/2019 my federal income tax was direct deposited by the IRS into my PAYPAL account in the amount of {$5100.00} and when you click on the transaction you see it says tax refund. After my money was direct deposited paypal then blocked my account and blocked my debit card associated with that account so I couldnt spend my own money. I immediately call customer service and speak to a representative and she tells me the reason my account was blocked was because the direct deposit i received was a large amount I immediately ask to speak to a supervisor, she then puts me on hold for 45 mins and i was able to speak to a supervisor. I spoke to the supervisor and she told me that my account was blocked because the amount of my direct deposit so I ask her what can I do to have the block removed from my account cause I needed my money so I didnt lose my home that supervisor told me I had to send them invoices and receipts showing why the irs sent me a tax refund. I told her I could send my tax return but invoices and receipts have nothing to do with a federal income tax refund I was then told if I cant send an invoice then the block would not be removed. I told her if they was not gon na remove the block then I wanted them to send me a check or whatever they had to do for the money I had in my account, she then told me if I couldnt send them that invoice they were not sending me my own money. I told her paypal stealing my money issued to me by the Internal Revenue Service was illegal and that I would be filing a complaint, posting on every social media account, contacting a lawyer, and contacting the IRS about paypal stealing their money and not allowing me access to my funds. I then told her I wanted to speak to someone above her cause I needed my money it was my money not paypals money to do with as they please and I would not stop until I either got my money or I am awarded 20 times more money then what paypal stole from me by a judge when a lawsuit is filed against paypal by me and the IRS, I never thought I would ever have the IRS on my side helping me through the lawsuit process. The supervisor then hangs up on me and 20 minutes later I went to login to my paypal account to see if the block had been removed yet and gave me an error message saying my account was suspended so now I cant even get into my paypal account to see if my {$5000.00} dollars was even still in the account or if paypal had withdrew it from my account.Something has got to be done not only is this unethical and greediness but this is illegal and I will be contacting anybody I can BBB, police, FBI, and The President of the United States if I have to. Someone is not only going to prison for extortion, money laundering and any other charge I can get them put in prison for and I will not stop until paypal goes bankrupt from having to pay me and every other customer paypal has stole money from and ruined their lives and families like they have mine. Please help me with this urgent situation concerning a business that is extorting and laundering their customers money and taking advantage of every customer that has trusted paypal with their money and had it stole from them as well. Thank You | ||||||
| 04/06/2021 | Yes |
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| On XX/XX/2021, I received a large payment into my PayPal account. The payment was from the sale of a boat that I sold at auction on XXXX. Because it was a large payment, I understand why PayPal flagged it as potentially suspicious. As a result, PayPal froze my account and the funds I received are unavailable. In response to PayPal 's request, I provided a scan of my US passport, an explanation of each recent transaction on my account, and other information that should be reasonably sufficient to close the matter and determine that the potentially suspicious activity they identified was not actually suspicious. My complaint is that while I understand that AML and fraud controls are necessary, PayPal regularly exceeds what I think is reasonably required to identify and address actual suspicious behavior or transactions. In this case, I was selling personal property to help in a difficult financial time for me. I am a regular consumer. I am also a bank compliance officer, so I understand the need to scrutinize all transactions. But PayPal has now frozen my funds for what they promise could be 21 days or more. This causes real consumer harm. I am just selling some personal items on ebay to help pay the bills. I am a 20 year member of ebay with 100 % positive feedback. I live in upstate new york. I work at a bank as a compliance officer. I am not a high risk customer. Yet, in this case and in nearly every one of the recent transactions I have performed with XXXX, my account is frozen and I am told I may have to wait 21 days for funds to be made available. This is tangible consumer harm. In the midst of a pandemic, I am being prevented from the ability to pay my mortgage because PayPal has not sufficiently tuned its transaction monitoring scenarios to properly measure risk. I also do not think it is fair to charge a large fee for a transaction when a consumer is made to go through this kind of investigatory pain. Other than one large payment, there is no basis on which to conclude there is any illegal or even potentially suspicious activity occurring here. I would like access to my money so that I can pay my mortgage. I would like to be able to sell my collectibles and other items on ebay to help pay my bills without having to suffer through a battle with PayPal every time I get XXXX from an ebay sale. The ebay transactions are easily verifiable, yet this happens again and again and again with PayPal. This is substantial consumer harm. As well, PayPal asks that I prove that the items I sold were delivered. It ties this to other transactions unrelated to the one that triggered this alert. Therefore, I am asked to prove delivery of 3 items that are all to be picked up locally and that have no shipping or tracking numbers. The position PayPal puts consumers like me in is unfair, it's abusive/repetitive, and causes ongoing harm to consumers. A strong compliance program is tailored to risk and this issue is evidence that PayPal is not properly targeting its transaction monitoring to the risks presented. It also is evidence that PayPal does not have the appropriate staff resources to resolve these investigations in a timely way that mitigates any harm to the consumer. | ||||||
| 07/25/2022 | Yes |
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Web | Older American |
| Nature of Dispute : On or about XX/XX/2021, I sold to a long-time customer a Model XXXX XXXX XXXX XXXX for {$2600.00}. This customer paid for this revolver using PayPal, depositing the money into my PayPal account. I subsequently learned, having received an e-mail from PayPal on XX/XX/2021, that my account, and thus my access to these funds, was being " permanently limited, '' i.e. my access to same was denied. It is my understanding that this limitation was put in place based on the determination by Pay Pal that this transaction, involving the sale of this Model XXXX XXXX XXXX Revolver, violated PayPal 's User Agreement and Acceptable Use Policy. Specifically, I was advised that the transaction violated the specific provision in the Acceptable Use Policy that prohibited " the sale of ammunition, firearms, or firearm parts or accessories. '' But, the XXXX XXXX XXXX XXXX XXXX is not a " firearm '' as that term has legal connotations. While the XXXX XXXX XXXX XXXX XXXX XXXX have been at one point a firearm in the true meaning of the word, back in XXXX and during the Civil War, it has no capability of being a firearm now. It is not operational, nor is there any ammunition available for same. Its value is in its historical significance. It is a historical antiquity with significant value in that regard. But it has no value as a firearm simply because it can not operate as one. Rather, it constitutes an " antique firearm The federal government agrees. In 26 U.S.C Section 5845 ( g ), the term " antique firearm '' means " any firearm. .. using fixed ammunition manufactured in or before XXXX, for which ammunition is no longer manufactured in the United States and is not readily available in the ordinary channels of commercial trade. '' 26 U.S.C. Section 5845 ( g ). An antique firearm is specifically excluded from the Gun Control Act. See 18 U.S.C Sections 921 ( a ) ( 3 ) and ( 16 ). Thus, this transaction did not involve the sale of a " firearm '' but rather the sale of an " antique firearm. '' Indeed, 26 U.S.C Section 5845 ( a ) specifically states, " [ t ] he term 'firearm ' shall not include an 'antique firearm ' or any device Which, although designed as a weapon, the Secretary finds by reason of the date of its manufacture, value, design, and other characteristics is primarily a collector 's item and is not likely to be used as a weapon. This XXXX XXXX XXXX XXXX XXXX was manufactured before XXXX ( in XXXX in fact ), is inoperable, and holds no value beyond its historical value to a collector. As such, its sale was not and is not prohibited by the User Agreement or Acceptable Use Policy. Although the purchase price of this revolver was {$2600.00}, I had at the time of the transaction other money in my PayPal account from other activities and transactions, which had no connection to this transaction in question, and had never been " questioned '' by PayPal. Indeed, at the time of the permanent limitation placed on my account, the account had a value of {$12000.00}. I was subsequently informed in XXXX of XXXX, following the 180-day hold period, that the entire sum had been claimed by PayPal as XXXX damages caused by Acceptable Use Policy violation. '' | ||||||
| 06/25/2020 | Yes |
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| After 180 days of having my funds frozen, Paypal removes all the funds from the account ( just under {$5200.00} in balance ) On XX/XX/XXXX, I get an email from Paypal out of nowhere stating that I can no longer do business with Paypal. 180 days from that day, I am allowed to withdraw my funds. However I do not do so immediately, instead opting to wait several months. On XX/XX/XXXX, I log in to try to withdraw my money and add a bank account, but I see that my Paypal account has {$0.00} in balance - there was previously over {$5000.00} of balance on that Paypal account. I check the Activity tab and see that on XX/XX/XXXX, shortly after releasing my funds, Paypal transacted away/withdrew {$5100.00} of the funds because of 'AUP Violations '. ( this transaction was also archived for some reason, making it more difficult to find ). I see many, many problems with doing this, and I view Paypal as having defrauded me of over {$5000.00}. First of all, the reason my account got initially banned was likely NOT due to AUP violations. Based on my previous conversations with the Executive office, as well as my previous XXXX dispute, it was due to risk profile ( high chargebacks, etc ) and NOT due to AUP violations. Second of all, I was not informed about this happening nor offered any chance to explain anything. Paypal has just concluded that this was due to AUP violations and decided to wipe out the entire balance without letting me know. I was also NOT informed what the AUP violation is, nor how many AUP violations occurred in total. As of right now, I am in the dark not even knowing what I did wrong. Paypal is refusing to disclose any of this information - calling it 'proprietary information ' that was part of their 'investigation ' Third of all, {$2500.00} per alleged 'violation ' ( and I was not told what violation this is ) is outrageous. Paypal will absolutely never suffer damages even close to that, even if there were legitimate AUP violations ( and as far as I am aware - they are not ). Fourth of all, the Paypal Terms of Service clearly state that I am able to withdraw the funds after 180 days of being banned from using Paypal. The funds were eligible for withdrawal on XX/XX/XXXX. The AUP violation fee was not charged until XX/XX/XXXX. Therefore, why is it that for over 2 weeks, Paypal would have allowed me to withdraw the funds? Furthermore, why is it that over 180 days, plus 2 weeks, had to pass before Paypal decided to charge for 'damages '? There were no transactions during that time. Therefore, if the account was in violation of the AUP, and damage fees were applicable, Paypal should have done this in XX/XX/XXXX, not in XX/XX/XXXX. Why was there a delay? In my opinion, the way Paypal has treated me and the charge that they have made to the account is unfair, unethical, and downright illegal. Paypal should not be allowed to do this to its customers, no matter what clauses they decide to put in their TOS. I have never heard of any company or bank charging its customers a {$2500.00} fee as many times as they like without even telling them. I await some sort of response or attempt at resolution from the company. Kind Regards, XXXX XXXX | ||||||
| 10/04/2019 | Yes |
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| PayPal was offering a sale on products at a third-party online retailer ( XXXX XXXX XXXX ). I attempted to make use of the sale ( https : //www.paypal.com/us/webapps/mpp/offers? view=details & offerId=7ZG9B9GJN8HTW ), doing exactly as they described in the offer. No discount was added when I checked out. I contacted them multiple times to try to get my issue resolved ; both times I called them, they said that they would look into it and resolve the issue for me. Both times my claim was rejected, because it did " not count as a billing dispute. '' Here is the exact, detailed account of what happened : XX/XX/2019 - I was on the PayPal website, and saw an offer for 65 % off clearance items at XXXX XXXX XXXX if you use PayPal to check out. I clicked the provided link to the clearance page at XXXX XXXX XXXX, and ordered XXXX items, for a total of {$110.00}. According to the PayPal offer page ( see above for link ), all I had to do was " check out with PayPal and your offer will be automatically applied. '' Which is what I did. No offer discount was applied at all. I was charged the full amount for the items I purchased on the XXXX XXXX XXXX website. XX/XX/2019 - After discovering that no discount was applied when I checked out, I opened a complaint on the PayPal website. I described my grievance, and filed it under " other '' as there was no category for what I was describing. XX/XX/2019 - My claim was denied, with the explanation that my claim " doesn't match our qualification for a billing dispute. '' XX/XX/2019 - I called the PayPal support phone number, and described my grievance. The person on the phone was very apologetic, and said that he would take care of it for me. He said that the issue was that my complaint was classified incorrectly, and that he will reclassify it for me, and that they should be able to apply the discount. I received an email from them saying that the reason for my complaint had been changed. Good, I thought, this might finally get resolved. XX/XX/2019 - I received another email saying that, once again, my claim " doesn't match our qualification for a billing dispute. '' Once again, my claim was denied. XX/XX/2019 - At this point, I was very frustrated. I called the PayPal support line again, and explained what's been happening. Once again, the person helping me was apologetic, and says that he will work to resolve my dispute. XX/XX/2019 - I received another email, saying that my claim " doesn't match our qualification for a billing dispute. '' This is the third time my claim has been denied. XX/XX/2019 - I submit my complaint to the CFPB. In doing so, I call the PayPal support line once again, to clarify the exact dates that I called on, and who I spoke to. After telling them that my intention was to use the dates and names in a CFPB complaint, they told me that they aren't going to give me that information. ( The person I spoke to was named Jazz, and the call reference ID was XXXX ) As of today ( XX/XX/2019 ), I have not received any of the 65 % discount promised in the original offer. I have spoken with the PayPal team three times -- twice to get my issue resolved, once today to clarify details of the case. | ||||||
| 09/14/2017 | Yes |
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| A house photography service that I used sent me an electronic invoice to be paid via Paypal. Not having or wanting a Paypal account, on XXXX XXXX and XXXX, XXXX I chose the guest option and I entered my data approximately six times over two days because Paypal repeatedly showed a screen that basically said it could not accept my payment. At that point, I checked with my credit card issuing bank about the status of my XXXX account and confirmed that there were no holds or any other issues that would prevent my transaction. I tried calling Paypal but going through the laborious automated system was twice met ( hours apart, mind you ) with a message that they were having technical issues and automatically disconnected my calls. I was finally able to reach a customer service rep who flat out told me that I had to create a Paypal account for him to help me pay the invoice. I told him that I did not want a Paypal account but he insisted that I had to establish one, basically ignoring my factual statements that Paypal 's online system allows a party to pay as a guest. When he refused to provide any other option, I asked to speak with a manager. After being on hold for more than five minutes, to my surprise, the customer service rep came back on and said that he had a manager with whom I could speak. The manager acknowledged the problem and asked that I hold while he attempted to look into my attempts. He said that my transaction attempts were basically cleared but something else was rejecting them -- which he would not explain -- but we could perhaps get through it if I correctly answered a variety of security questions and asked if I wanted to proceed. I replied that we can try but it would depend on the security questions [ for instance, I would not be willing to provide my social security number ( SSN ) ]. The questions that the manager asked were of the nature one answers when running their own credit report, e.g. streets lived on, cars own, etc. By successfully answering these questions and then re-attempting to pay the invoice through the Paypal system for about the 15th time by then, the transaction did go through. Although I did not provide my SSN, did this manager have enough data to then run my credit report? Does he and Paypal now have my credit info and other personal info? If so, how will this data be used, especially considering that I specifically did not want to establish a Paypal account? Also, what were the undisclosed factors that kept me from paying the invoice as a guest on Paypal per the vendor billing? What was the manager able to do after I provided personal information? I was not applying for credit, I was attempting to pay an invoice through a service with a credit card that had already vetted my credit. Did a Paypal representative open an account in my name/likeness without my authorization? The inexplicable denial of transaction attempts by Paypal is suspicious, the insistence by a Paypal representative that I open a Paypal account to proceed despite their own online information to the contrary, along with what appears to be an unauthorized credit check demand that I request the CFPB to investigate Paypal practices. | ||||||
| 06/13/2020 | Yes |
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Web | Older American |
| PayPal says they can no longer offer me services. I am unable to remove my bank information from the website and am unable to close my account. On XX/XX/XXXX. XXXX I used PayPal to send money as gifts to two individuals ( both of which are my sons ). These are my only transactions. Then I received this notice ( Please see below ). You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you can't send or receive money. Any money in your balance will be held for 180 days, after which we'll send you an email with instructions about transferring your money. I attempted to resolve it by sending several messages ( receiving automatic replies from some of them ) and was unable to reach a customer service person by phone ( the customer service line is not available ). PayPal refused to say what the violation of the agreement was. I was also notified that this was a permanent decision. XX/XX/XXXX at XXXX XXXX Thank you for contacting PayPal. In order to protect the integrity of our services, we can not disclose the specific criteria that causes PayPal to limit access to accounts. For more information on reasons why we limit access to accounts, please refer to the User Agreement for PayPal Services. Unfortunately, we are unable to be more specific. Please let us know if you require any further assistance. Sincerely, XXXX PayPal Account Review Department PayPal XXXX XXXX at XXXX XXXX Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. XX/XX/XXXX at XXXX XXXX Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. XX/XX/XXXX Sent message through the PayPal website but received electronic form response.I am unable to reach anyone in person by phone and just continue to receive multiple computer generated responses. This is my Request to Close Account and Remove my Bank Account from Website My request is to have the account closed and my bank account removed. ( I do not have any business attached to pay-pal and I am concerned that having this account open with my bank linked to it puts me at risk for hackers and or my information to be used and funds to be withdrawn without my consent. This was the response received from PayPal. RE : Your question about an account limitation XX/XX/XXXX at XXXX XXXX Dear Thank you for contacting PayPal Customer Support. I understand that you want the account closed unfortunately we can not close the account while there is current restriction on it. Sincerely, XXXX PayPal Consumer Support In Summary My Request is for PayPal to remove my bank account from the website and to close my account! Re : Reference ID : XXXX | ||||||
| 11/20/2023 | Yes |
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| On XX/XX/XXXX I contacted my bank to file a charge back against PayPal when I sent several payments for XXXX XXXX to a private seller for {$7000.00} ; The seller all of a sudden became uncooperative and even blocked me ; So item not received claim was open with my bank institution XXXX XXXX ; during the process the institutions involved was XXXX My card issuer, Visa the processor acting as the arbitrator and PayPal The money transmitter caught self-dealing. When PayPal was notified of the chargeback claim in the chargeback response form which states " If you are able to dispute the chargeback please explain why in the space provided below and provide all relevant details '' ; emphasis on the words able to ; in order to be able to dispute the validity of a chargeback PayPal being licensed by New York State to serve as an agent which is consistent with their schedule 10K SEC filing PayPal would at all times have to act on behalf of someone else ; a counterparty. And at no time can an agent represent themselves in a matter involving two parties ( self dealing ) ; PayPal has in real time disputed a chargeback absent a seller to represent and did just that when they disputed my chargeback with zero grounds to do so legally ; causing irreparable harm such as both my personal and business account being closed, delinquencies on my credit report, inventory depreciation due to lack of available funds to operate the business. PayPal, XXXX and Visa have breached their fiduciary duties to act in good faith ; In the Visa merchant guidelines it states that if the other merchant is disputing the chargeback to review it with the cardholder ; XXXX has failed to do much less act on my behalf which allowed PayPal to be successful in their rebuttal ; I provided all the laws and policies with relevance to this case ; My car issuer XXXX being the authority would dismiss my evidence and Even more egregious send me to the party that was caught self-dealing for a resolution. It's been about 80 days since I open the charge back and I don't have my money back. It seems that PayPal earns interests when they hold funds in their user pool in which they get interest from. PayPal also acquired a company which specializes in short-term loans which would be a very viable reason why they would need to challenge a dispute to hold the funds unnecessarily for 90 days or longer. The gross negligence of all three parties has caused irreparable harm to my business my personal life and is impacted my family. XXXX was aware that PayPal broke the law in self-dealing or acting to serve their own interests absent a party to represent consistent with an agent and done nothing to convey this breach to the regulating bureaus. They would then retaliate by closing my business account preventing me from uploading any more proof. I employ the regulating bodies to investigate all three institutions for this clearly perpetual scheme intentionally disenfranchise clients from a speedy resolution to regain control of their funds. Visa is accountable for turning a blind eye when the proof was right in front of their face and so is XXXX. All calls were recorded all proofs are available upon request. | ||||||
| 06/30/2020 | Yes |
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| A seller ( XXXX XXXX XXXX and XXXX XXXX ) falsely advertised merchandise ( XXXX XXXX XXXX ) on their website. After purchasing the items through PayPal, I received the items they sent and the following issues were evidenced : 1 ) The items I received were completely different from what I ordered in every aspect - it was just not what I ordered for 2 ) The items I received were not only the wrong ones but they are counterfeits and defective as well 3 ) The advertising on the seller 's website is misleading and the items are not at all worth the amount of money paid for them 4 ) They have no reliable avenues of communication or standardised return/refund policy. 5 ) The website and packaging implies that they are inland US based but they are actually operating in XXXX Prior to my contacting you, I have been trying to resolve this issue since XXXX XXXX. I tried contacting the seller as well as PayPal severally via email and through the PayPal App, to resolve the issue with the seller to return the goods so that I can receive a refund to no avail. At first they avoided sending me any of their details/information when pressed and claimed to be an overseas company which is not indicated anywhere on their website. They did not offer to replace or have me return any of the items and offered to remit one-tenth ( {$31.00} ) of the total amount I paid as compensation and that I can sell the items to other people to get my money back. This is genuine and bonafide fraudulent behaviour. I reached out to the actual company ( XXXX XXXX ), to which the seller implicitly claims to be affiliated and they have no knowledge of this seller and have implied that this is a scam and are currently looking into having them investigated. When I contacted PayPal about this, they reached out to the seller who responded immediately ( after failing to respond with as much fervour when I contacted them ) with an offer to provide a full refund - {$300.00} USD if I returned their defective merchandise to XXXX. This means that I will have to incur an extra fee of more than {$80.00} in shipping costs which I can not afford right now and I am not certain will be refunded by the seller or PayPal. I have tried to contact PayPal via phone and messages to express my concerns and request that they remedy this situation, however I have only received an automated response from them and have failed to reach them. It states that I need to send the items back by XX/XX/XXXX however, I have no viable way of contacting PayPal that will help me get a response. The seller is misleading customers on their website to believe that the products are shipped from within the USA and yet they are all the way in XXXX. The seller does not offer a return label, not to mention the fact that the shipping address they sent is not in English and none of the delivery companies will accept the address because it is not legible. I can not afford to incur an extra cost for shipping to a company that has clearly scammed me and refuses to send through legible contact information/address after several attempts on my part to reach out to them. Any assistance you can render will be highly appreciated. | ||||||
| 01/19/2022 | Yes |
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| On XX/XX/2021 I was trying to setup a personal PayPal account. I had members posed as the PayPal security team members who were helping me setup a new PayPal account on the personal side. They gained access to my XXXX XXXX accounts and initiated three transactions but they said they were having problems authenticating my personal account. They tried to debit my account directly and I objected and denied those three transactions. Although, I questioned why I am not seeing the 3 transactions in my bank accounts as pending transactions, their explanation was thats how PayPal protects you. They spent a couple of hours trying to establish the PayPal account, but we had to stop that day. Next day when they called me to take care of the issue, I told them it would have to be on hold, due to a medical emergency ( my mother suffered a massive XXXX ). I had to travel out of state to MD. While at the hospital I realized there was a debit out of my account via XXXX in the amount o {$990.00} which was unauthorized. I called PayPal customer service and told them your agents initiated the transactions out of my account which is a theft out of my account. This is when the real PayPal agent told me they do not conduct business in such a fashion, and you need to call your financial institutions theft department. I hung up to call and XXXX helped to freeze all accounts. 1st transaction was in the amount of {$210.00} 2nd transaction was for the same amount {$210.00} 3rd transaction was via XXXX in the amount of {$990.00}. When they debited {$430.00}, the first two transactions, they told me they will credit my account right now and you will see it in your account. Since, I didnt see that amount in my personal account, they said take a look at your business account, I saw the credit in my business account and I told them why they refunded my business account? Now, they said if this is a problem, we can correct that and retry to post the credit to the right account. I stopped and told them let it be and we shall establish the new personal PayPal account tomorrow. The next day, I had to leave to go visit my mother at the hospital in MD. The reason {$990.00} rung a bell, is because they had me initiate that amount the 3rd time to input some where in the interim and I objected why they were using such large amount for debits? They enabled the debit via XXXX. Prior to this incident, I have never used XXXX to transfer money. I even question who is XXXX XXXX and what is happening? Why are you making me input XXXX XXXX, a fictitious name? I later at the hospital discovered that XXXX debit out of my account. I did the police report giving the same testimony and to the bank as well as to PayPal. I have reopened my case with the bank, since their 1st investigation was completely unfair. I have asked for the forensic report of the 1st investigation for my records and to attach it with the police report as well. I am filing my grievance with you for inadequate help from my financial institution and possibly from PayPal as well. Also, my identity has been compromised at this point because of the PayPal posed thugs made me upload my DL on their site. Please help. Thanks | ||||||
| 10/16/2023 | Yes |
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| I discovered fraudulent charges on my PayPal account totaling {$1100.00} from XXXX. I filed a claim with PayPal regarding these fraudulent charges at approximately XXXX on XX/XX/XXXX That claim # is Case # XXXX At approximately XXXX on XX/XX/XXXX I get a response from PayPal stating " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history ''. I haven't ordered from XXXX in years so there is no history of XXXX orders in 3 years. Secondly, I've never ordered thousands of dollars in products from XXXX so their conclusion is inconsistent with my purchase history. PayPal violated and dishonored their own fraud protection policies. It's also clear there needs to be a wide scale investigation into PayPal 's dealings and partnerships, especially with XXXX and other companies. As I was conducting research, I was shocked at the number of people who'd experienced this same and were forced to pay fraudulent charges on their PayPal account. PayPal is also violating the Electronic Fund Transfer Act Regulation E, which protects consumers from fraudulent charges. Furthermore, in their own written PayPal has minimized the issue as being " unfamiliar transactions '' and " a disputed payment ''. This is not the first time I've filed a claim for fraudulent charges on my PayPal account. On XX/XX/XXXX I filed claim XXXX XXXX which they dismissed and denied as fraudulent charges. I was told to contact the company and take up the issue with the company. The company would not comply. I reached out to XXXX to file a fraud claim. Though PayPal denied they were fraudulent charges and is forcing me to continue paying these fraudulent charges, XXXX has frozen my account claiming a chargeback has been processed. This is obviously untrue as PayPal did not refund me for those fraudulent charges. So I'm unable to file a fraud claim with XXXX. Furthermore, XXXX referred me back to PayPal to take up the issue with PayPal. PayPal claimed to have done a thorough investigation into the matter and state since the address is the same, there is no indication of fraud. However, if a thorough investigation was completed by PayPal, there should have been informed uncovered regarding package interceptions, as outlined in this article linked below. https : XXXX PayPal 's written statement is proof they are unaware of this issue and serves as proof there was no thorough investigation. PayPal has made it clear that I am responsible for paying fraudulent charges due to PayPal 's pay in 4 plan and that my card will be charged. This requirement of paying fraudulent charges is a consumer rights violation. Furthermore, PayPal has prevented me from removing my debit cards from PayPal 's site, in order to protect myself from further fraudulent charges. Again, violating their own consumer fraud protection policies and violating consumer rights. At this point PayPal has caused unnecessary stress and exacerbated my medically established diagnosis of XXXX XXXX This has caused me to begin treatments to address this. | ||||||
| 09/13/2017 | Yes |
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| I sold an item on XXXX For parts not working the buyer filed a false complaint saying he received an item that wasnt working. XXXX opened a case and ruled in my favor. Saying I clearly sold it for parts not as a working item. The buyer then went to PayPal and filed the same false complaint that I sold him an item that wasnt working. PayPal sent me an email notification on XXXX XXXX stating the following XXXX XXXX has sent you a message regarding the payment they made to you on XXXX XXXX, XXXX. They have indicated the merchandise is not as described. Deadline to respond : XXXX XXXX, XXXX I planned to send in a response but before I got a chance to send response PayPal closed the case on XXXX XXXX. In the initial email that was sent to me PayPal stated that I had until XXXX XXXX to respond, but for some reason the case was closed on XXXX XXXX. when this happen I thought I had no recourse because PayPal said the decision was final. It wasnt until the later that I realized that the original email said I had until the XXXX of XXXX to respond. Thats when I called PayPal and sent in documentation about my case. This was all ignored because PayPal would not review the earlier email that was sent to me. After some prompting I finally got someone to look at the original email and he agreed that I had until the XXXX of XXXX to respond. He got the case reopened, but PayPal still denied my claim because they said they sent me emails stating that they had changed the XXXX XXXX due date and were only giving 10 days to respond. How can they give me until XXXX the XXXX to respond and then later change the date to an earlier time? Also they said even if they had kept the original date of XXXX XXXX I still responded too late on XXXX XXXX. Once they closed the case on XXXX XXXX they said their decision was final and could not be change. So I thought I had no grounds to file an appeal. It wasnt until XXXX the XXXX that I remembered the original email said I had until XXXX XXXX to respond. On XXXX XXXX I immediately sent in documentation showing the buyer had made 2 false claims. When asked what they would do about the false claims they said they were not concerned about and they would take no further action. So now PayPal has refunded the buyer money plus they did not require the buyer to send my item back. ( original email ) Hello XXXX XXXX, XXXX XXXX has sent you a message regarding the payment they made to you on XXXX XXXX, XXXX. They have indicated the merchandise is not as described. Deadline to respond : XXXX XXXX, XXXX Because XXXX XXXX has reported a problem, {$150.00} USD will be temporarily held. The funds will remain in your account but can not be withdrawn until this is resolved. If you cant resolve this issue, you or XXXX XXXX can escalate it to a PayPal claim before XXXX XXXX, XXXX. On that date, this case will automatically close. Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your buyer as soon as possible. Transaction Details Case number : XXXX Buyer 's name : XXXX XXXX Transaction date : XXXX XXXX, XXXX Transaction amount : {$150.00} USD Your transaction ID : XXXX | ||||||
| 07/28/2023 | Yes |
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| On XX/XX/2023, I purchased XXXX flavors of smoked salmon from XXXX online, each pack flavor costing {$80.00} for a total of {$160.00}. I paid using my XXXX XXXX XXXX on PayPal through XXXX XXXX. The shipment was delivered on XX/XX/2023. As soon as I opened the packs and realized that the items were different than described on the website, I sent an email to their support email at XXXX. The following day XX/XX/2023, XXXX XXXX responded, and I explained the issue related to the heavy salt brine. XXXX apologized and said it may have to do with a defective batch. She asked me to dispose of the items and that she will proceed to issue XXXX ( XXXX ) refunds of {$80.00} each for a total of {$160.00} to my card. I received a confirmation email after that. Several days later, I realized that only XXXX of the {$80.00} had been credited to my card. I reached out again by email and was told definitively that XXXX ( XXXX ) {$80.00} refunds were posted. After several back and forth, XXXX XXXX sent an email on XX/XX/2023 with XXXX ( XXXX ) screen shots showing the refunds had been issued to my credit card through XXXX and that there was nothing else they could do on their end. I informed her that I was going to have to file a dispute because I had confirmed that the remaining {$80.00} credit definitely did not credit to my account. I have included the original order receipt and the refund correspondence leading to my filing of the dispute. My credit card company initiated the dispute only for the {$80.00} that was not credited to my card and issued a provisional credit to me while their investigation is going on. The investigation is not completed and there has been no additional credit to my card besides the {$80.00}. On XX/XX/2023, I received an email from PayPal indication that a limitation had been placed on my account and that I must reimburse PayPal {$160.00} for a chargeback. The email had the case number XXXX XXXX I was unaware of any {$160.00} chargeback besides the {$80.00} dispute. I called PayPal and was told the chargeback was from my credit card company, XXXX XXXX XXXX ( XXXX ). I called XXXX and XXXX confirmed theres no {$160.00} chargeback and that only {$80.00} dispute was initiated. I reached back out to PayPal, and Ive been bounced back and forth from XXXX customer service agent to another, all insisting I have to reach out to my credit card and refund the {$160.00} chargeback. PayPal has this limitation on my account for no justifiable reason. Its my consumer right to reach out to my credit card company to file a complaint when a merchant claims to have issued me a refund that has not been credited to my account several weeks later. PayPals attempt to punish me for doing that is a violation of my right. I have over {$8000.00} sitting in my savings account with PayPal and cant even afford to send my dad money for his medications because PayPal decided to hold my account XXXX. PayPal should immediately remove the limitation from my account. I am not making XXXX more call to PayPal. And should anything happen to my dad during this period when PayPal held on to money for his medications, I will be pursuing legal recourse. | ||||||
| 12/05/2021 | Yes |
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| I have two PayPal accounts. One is a XXXX account created a long time ago and I seldom use it these years. But there is still some balance, XXXX USD. The other account is a US account. I want to transfer the balance in the XXXX PayPal account to my US PayPal account and close the XXXX one because I am not going to use it anymore. But the troubles caused by PayPal IncXXXX begin. First, their website prevented me from transferring the balance in my XXXX account to my XXXX account, saying they can not do the transaction. The website didn't tell me any reason why this transaction can not be done. So, I googled it and learned that to transfer the balance, the minimum amount should be 35.00 USD. Okay, that's fine. I sent XXXX USD from my US PayPal account to my XXXX PayPal account. Now there was being 35.00 USD in my XXXX PayPal account. HOWEVER, when I tried to transfer the money to my bank account, the PayPal website still prevented me!!!! AND THEY DON'T TELL ME WHY!!!! I googled it again. This time I found that PayPal charges XXXX account users 35 USD per withdraw. This is ridiculous because withdrawing money is free for US account users. What's worst is that PayPal doesn't tell me all these things when they say " Something went wrong ''. It looks like they take money from users and refuse to return it. WHAT A ROBBER! Second, I decided to transfer the money from my XXXX PayPal account to my US PayPal account instead. I made it. But PayPal held the money on my US PayPal account, asked me to provide more details for this transaction. I provided my driver 's license, my passport, my XXXX account statement to certify my identity and explained that I was just transferring money from one of my PayPal accounts to another and was going to close the XXXX PayPal account. The passport page I uploaded clearly shows my name in both Chinese and English. PayPal should be able to identify that both accounts belong to me. And there should be no any risk at all. But the most disgusting part happened. PayPal said I can not use PayPal anymore because I disobey the user agreement. They didn't tell me which part of the user agreement I violate. They just said I violate it. And they froze the XXXX USD ( less than 35 USD because PayPal charges me transaction fee again! ) in my US PayPal account. What's worse, they didn't allow me to report any problem via their website. WHAT A ROBBER! In a word, I am not doing any business things with my PayPal accounts. I just want to transfer the balance from one account that I am going to close to another one I will keep using. It should be as normal as transferring money between my two XXXX bank accounts. I urge that PayPal should tell users details immediately when they say " Something went wrong '' on their website. And I urge that PayPal returns me my money immediately because I do not violate any word in the user agreement. To support my statement, I provide screenshots of my two PayPal accounts, my passport page, and my driver 's license. Note that I fill in my passport number in both PayPal accounts. PayPal should know that both accounts are mine and not prevent me from transferring the money. | ||||||
| 04/16/2020 | Yes |
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| On XX/XX/XXXX, an individual caused a {$240.00} wire transfer to me via our respective PayPal accounts, after I sent her a " Request '' for the funds. Neither she nor I are in business and the transaction was purely personal, as I was in need of funds. The transfer was completed on XX/XX/XXXX, under confirmation/transaction ID # XXXX. Immediately thereafter, I received an email alert from PayPal informing me of the successful transfer ; but also informing me that an " up to 21 day hold '' would be placed on the funds. PayPal immediately deducted its {$7.00} fee. When I inquired as to the reason for the hold, I could not speak to a live person, but only a " virtual agent. '' As an aside, this was only me second ( and VERY FINAL ) transaction with the same individual. The first transfer was without incident, with no undue delay. However, with regard to the transaction at issue, I was told that PayPal needed to hold the funds as a policy, to ensure that there were sufficient funds in my account in the event " the buyer ''??? had an issue with the goods that I was " selling. '' Again, the transaction was entirely personal and involved no business of hers or mine. I was then instructed to direct the woman to log into her own PayPal account and report that " the goods were delivered '' or " services received '' which she did. An hour later, I received an email indicating that " your funds are available ; '' however, when I transferred the funds to my bank, a message appeared, " Transfer Pending '' and further, that the transfer would take XXXX hours. Again, vis-a-vis my first PayPal transaction, the transfer was immediate. I believe there is sufficient evidence that PayPal 's " hold '' policy is nothing more than an unlawful attempt to earn interest on " held '' funds -- -- funds that should not be held at all. Imagine if PayPal had XXXX other " customers '' like me? That would mean that PayPal would be earning interest on {$240000.00}, for 21 days, without paying its " lenders/customers '' for the use of the customer 's funds. This MUST be a crime. Section 1962 ( c ) of the RICO Act makes it " unlawful for any person employed by or associated with any enterprise engaged in... interstate... commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise 's affairs through a pattern of racketeering activity. '' Subsection ( d ) criminalizes a conspiracy to violate one of the other subsections of 1962. Section 1964 ( c ) allows a private party, who has been injured in his property from a RICO violation, to sue for damages. To state a RICO claim, a plaintiff must show " ( 1 ) conduct ( 2 ) of an enterprise ( 3 ) through a pattern ( 4 ) of racketeering activity. '' Sedima, S.P.R.L. v. Imrex Co., Inc., 473 U.S. 479, 496, 105 S.Ct. 3275, 87 L.Ed.2d 346 ( 1985 ) ( footnote omitted ). By this legal standard, PayPal is clearly violating the RICO statute, as well as the Missouri Merchandising Practices Act ( " MMPA '' ) and several other statutory and common law torts. Please investigate this practice. PayPal 's own internal message board is replete with similar horror stories. Does anyone care? | ||||||
| 11/05/2020 | Yes |
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Web | Older American, Servicemember |
| I needed to link my local bank acct to my paypal account so I could do an important transfer of funds. I had previously had this acct linked but I had delinked it as I have no interest with a company like paypal, who I do not particularly like anyway due to previous problems, having any control of my other accts. When I clicked to link it the message for me was to enter the two amounts of deposits they have made to my local bank acct. There are no such deposits so I am stuck with this process. ( With problems trying to get through to paypal cs I later tried to link a different acct, a checking acct. This simply gives me a message of the process can not be completed at this time ). As far as my attempts to contact paypal I have been trying since last Sunday. I spent a bunch of time punching numbers and listening to messages to just get a message that says they were closed. I then called on Monday and although they were apparently open it said they could not answer my call and to use their other service the chat system. I sent a message there ( refer to document on these messages, blue are my words red is paypal responses ) asking how I could talk to someone there on the phone. I waited for many hours until it was likely they were probably not there anymore anyway. I then attempted to continue the process the next day. Still hours and hours and I mean hours and no reply until the next day which is to where I decided this was not working properly at all and I would just move on to getting govt help. At this point this has caused me a problem where my time is lost and I am going to have to do other things to take care of the original need I have of a funds transfer. But I still need to remove these funds from paypal. I do not appreciate the way this company now even is basically attacking me for my opinion and what I believe are facts that I doubt they can refute. I am not the problem here, it is this company including the way apparently they are not with proper oversight. If they can not allow proper access for customers funds and have proper ways to contact them they should be barred from running this kind of business which is very much like a bank. I am incensed that I am first given a problem by this company, second no help only wasted time and attacks by this companies CS, if in fact there really is any, then having to do other things to remedy the damage by this companies mismanagement. And then having to do the work including a list of calls to produce this complaint. This company should be put out of business. Have them divest all of their funds back to the owners of them. I feel no one is taking proper notice of this companies misdeeds. I would not even have to have a paypal acct and deal with them but ebay pretty much requires it, it is baked into their company. XXXX should be dealt with also and require them to stop this required practice. I really would like a lot more done than someone just talk to this company, they fix my personal problem and then just file this case away, moving on and taking no real notice of this kind of wrong. This is all outrageous. I am not the only one having problems with paypal. | ||||||
| 04/08/2020 | Yes |
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| On XX/XX/XXXX I started communicating via XXXX with a 'seller ' claiming they had 3 Maltese for sale. I found the puppies on their XXXX page Puppies for sale near me. He said he had 3 that were available and sent me pictures of each one. I told him there were 2 that I would like to meet. He let me know the fee was {$400.00}. I said I would bring the money when we met or I could sent him a deposit through PayPal. He said that would be fine to send it through Friends and Family option. He provided me with his email account and I sent him {$200.00} but through Goods and Services option. He refunded my that right away and said I did it wrong and send it the other way. I was very reluctant. It seemed to be a huge issue that the way I sent it because PayPal charged him {$10.00}. I did as he asked and told him I'd see him at XXXX at the meet up. I sent a message letting him know I was there. He never showed, I called and called but no answer or responses. He finally called back after me sitting there for an hour and asked that I give him 30 more minutes. I actually gave him 45 more minutes. Still no show. He called me 21/2 hours after we were supposed to meet and he said his partner had the puppy and was asking what I was wearing. I told him I was no longer there. He gave me the number of the guy that supposedly had the puppy. I called him and sent a text. He called me back and told me he wasn't giving me the puppy because I hadn't completed the transaction. He said I needed to send the remaining {$200.00} before he would bring me the puppy. I refused. He said then I would not be getting the puppy until I did. I told him I'd bring him the cash when I had the puppy in hand. They kept calling me to get me to send the other {$200.00}. I told him absolutely not. He hung up on me. I have several back and forth conversations and texts. They both have told me the money isn't there. Today was a new excuse, I was told that the supplier had my money and they could not get it. I told them they were the supplier and that now they were just making up excuses. I told them they were just trying to wear me down and that I would just forget about it. In fact the second guy I've been dealing with told me just this morning ( XXXX ) that i should just forget about my money. I've spoken to the second guy, XXXX XXXX ( at least this is the name I was given ), this morning and again he said if I would just pay the second {$200.00} then I could get the puppy. I told him absolutely not. I told him I just wanted my money back and he could move on. That's when he told me to just forget about my money. I told him I wasn't going to forget because I worked hard for my money and he had the nerve to say he worked hard for it too. I've been calling and texting a few times an hour trying to get them to return my money but nothing. The numbers I have been calling are : XXXX - this is the first person I talked to XXXX - second person - supposedly is XXXX XXXX Emails I used for the PayPal contributions : XXXX - this is first one I sent to and he refunded my first {$200.00} XXXX - this is second one I sent the {$200.00} to after the refund | ||||||
| 06/06/2017 | Yes |
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| To Whom It May Concern, I just recently officially opened my new XXXX XXXX which focuses on XXXX XXXX XXXX XXXX. As sales started to pick up, paypal started to play with my money. First by wrongfully giving me a {$3000.00} release amount for the whole month of XXXX in the midst of my opening week and my first huge promo which completely messed up my business because clearly paypal does not understand that it costs money to ship, fulfill orders, advertise, eat, and pay bills. I understand it 's a common practice but I made sure to specify I was not going to be making small money in the set up process and paypal should have known and not given me that cap. After calling paypal to try to get to the bottom of this situation because I was getting mass orders and paypal was XXXX everything up by holding the money that was going to be used to ship the items out in a timely fashion.. Long story short I was told they were going to review and send me a release increase because my account seemed to be in great standings with no claims, or disputes as of X/X/2017. ( By the way ) If I have any disputes as of now while you 're reading this, it 's because orders have n't been able to ship due to paypal holding the required funds from me!! Absolutely trying to sink my business. Next thing I know, I 'm getting an email saying Paypal limited my account for " sales of replica XXXX and XXXX XXXX products and XXXX on XXXX XXXX XXXX/. '' Absolutely unbelievable. First of all I do not have any replica XXXX items on my store. There is nothing claiming to be XXXX on my website that is not real XXXX. Everything is clearly articulated in the description of the products. That 's what my website is about, appreciation for XXXX XXXX XXXX XXXX and all that, and my audience knows this, and they know what they are buying from us because we make it very clear. Secondly XXXX XXXX products? The only thing I could find in my products list was a pair of sunglasses that 1 ) was a test product ( used to design product page templates ) - hence why it was un-clickable and even said 'sold out ' 2 ) On top of not even being an accessible item in my store, the title even said 'Benz Inspired Sunglasses '. When does that mean it 's a XXXX XXXX product?. 3 ) those sunglasses have never once been sold on my store. It should not have even been visible in the first place. Thirdly, XXXX? Now this is where it gets absolutely ridiculous. The only things that could be XXXX related are the smoking accessories. Last time I checked there is no law stating smoking accessories can not be sold. There is nothing wrong with selling smoking accessories. I 'm not selling XXXX In fact, I have yet to even get a single sale out of the smoking accessories. There are absolutely no drugs on my site. I actually feel disrespected by that. Absolutely unbelievable to see that as a claim. With all that being said it is obvious this customer service representative clearly did not do there fair share of due diligence and actually check the product pages, and descriptions of products, but rather just skimmed through the site carelessly and came up with his ludicrous conclusions. | ||||||
| 09/27/2022 | Yes |
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| PayPal had already begun allowing me to use my account with my XXXX as a business account. I had one email then within my business with XXXX being my web host I changed my email and notified Paypal. PayPal then had me verify my new email address using same domain the initial part was different. The verification was successful. Then I had a few past transactions when I sent a couple if small amounts and or paid a few bills ( exp, like {$30.00} ) to an individual who took photos of a property preservation home. However, when I received payment of {$2000.00} from XXXX and XXXX XXXX, located in XXXX, Florida, a property preservation investment company on XX/XX/2022. PayPal deducted their fee of {$40.00} on XX/XX/2022 then FROZE OUR ACCOUNT. I HAVE CALLED A TOTAL IF 8 TIMES asking to speak to a supervisor, limitation team and not customer service for they have been the only people I'm able to get on the phone. Who continues to read a rebuttal script to me and not explaining what policy terms does not match up with my online activities, per PayPal. They do not get a live person in the phone to explain to me what have I violated. When I received the money from XXXX and XXXX XXXX PayPal put my account on limited restriction until I answer questions about my business. I answered questions of business structured attempted to upload business documents verifying business but was unsuccessful. OTHER immediately XXXX blocked my account I called PayPal to ask how can I send verifying documents. I was told by customer service and I immediately loaded three emails giving them my Missouri secretary of state documents, my business EIN, a vendor contract, my business fictitious name before it became an llc be sure they wanted a year passed document. Once sending these emails I continue getting the same redundant email respond of someone accessing my account through mobile app if it was me disregard email. This is all they say. I have explained to PayPal I AM A SMALL BUSINESS ALREADY STRUGGLING DUE TO COVID-19, PLEASE RELEASE MY FUNDS SO THAT I NAY PAY THE INDIVIDUALS WHO WORKED FOR ME. THIS HAS REALLY CAUSED ME STRESS AND THE COMPANY WE PROVIDED SERVICE FOR PAID US AND THEN WE CANT GET IT. Having ME WAIT FOR 180 DAYS IS UNACCEPTABLE. I'VE DO E NOTHING WRONG. I HAVE NO OTHER TRANSACTION COMING OUT OF THIS ACCOUNT! I NO LONGER WANT TO DO BUSINESS WITH PAYPAL AS A VENDOR IVE ALREADY PUT IN TO HAVE FUTURE Payment funds be deposited to our business bank. I just thought this would be a great way to send invoices and to pay my people for property preservation work. We have just gotten started due to having to wait a long time be ayse of COVID 19 and they have made me look unreliable. How dare them hold into our monies but they ensured they took their fee out of it. What was there fee for. Please help I can not afford for PayPal to hold something we work so hard for to get a great start. I'm requesting they release my funds so I can transfer them to our business debit and or bank account immediately. I have emailed PayPal on XXXX ( twice and once on XXXX XXXX and been calling since XXXX. Thank you for your assistance I'M GREAT FULL! | ||||||
| 09/27/2022 | Yes |
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| Hi. I hope you can assist : A month or so ago I opened a business account with PayPal.Inc. to help me process payments for products that I make. I have had a personal account with them for years with no problems, but I noticed one problem after another when trying to get funds transferred from my PayPal business account into my business bank account. PayPal claimed that since I was a new business, there was a XXXX waiting period before the money could be made available to me. I was okay with that even though I thought it was weird. In order for money to be transferred to my business bank account, that account had to be linked to my PayPal business account. So we went through the whole process of them sending small deposits which I entered into PayPal 's site, and the bank account was verified. However, in just a few days, PayPal backtracked and claimed they couldn't link the bank account and release the funds to me. So I put a credit card on there, then a debit card that is directly linked to my business bank account, and they claimed they couldn't use them to transfer the money. It is only {$120.00} but my sale was {$150.00} to the customer. When they backtracked my bank account, two payments to USPS did not get paid, so the {$150.00} suddenly changed to {$120.00}, and they were putting urgent messages on my PayPal account for me to add money to the PayPal account even though they were holding my own money hostage. I repeatedly asked them to use the debit or credit card on file to pay for those charges and they claimed they couldn't do that. I kept checking in with my bank and they confirmed that it was definitely a PayPal problem because everything looked good from their end. The support person I finally had a chance to speak with ended up releasing enough of my money to pay those two USPS charges for the delivery of my customer 's packages. But they are still holding the rest of my money hostage. Now when I try to get my bank linked to PayPal, error messages tell me that my bank has already been linked. If that is true, why aren't they releasing those funds? So, my only recourse seemed to be for them to mail me a check, and then I would close the account. However, I'm being blocked from all ends because when I choose the option to get a check mailed to me, it gives me an error message and will not allow me to request it. They occasionally send me another e-mail telling me my funds are available for transfer, but I still can't link the bank account, and they won't send a check. At this point in time, I simply want to close my business account with them. I have had a good personal history with PayPal, and why they are doing this is beyond me. Since that time, I have linked with other entities with no problem at all. I have wasted days and days of messaging with them without a solution, and I don't have that kind of time anymore. The funds need to be released to me by mail because nothing else is happening, but I still occasionally get e-mails from PayPal telling me my money is available to transfer, but it still doesn't work when I go on the site. Can you assist in any way? | ||||||
| 04/25/2023 | Yes |
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| On XX/XX/2023 I received a notice from Paypal to an old email address that provided a receipt for a XXXX payment. Since it went to an older address I didn't see it for some time. I then got a notice that I owed paypal money in regards to this transaction. I filed a dispute with paypal on XX/XX/2023 advising that I did not authorize this transaction and I have no idea where it was going. I haven't used my paypal account in over two years and the bank account that was attached to my paypal account has been closed for over three years. They ended up denying that claim and closing the issue stating that per some XXXX thing through XXXX that is why it went through. Again I have no idea what they are referring to so I explained that to them. On XX/XX/2023 I was able to chat in and get XXXX different responses that advised they would reopen my issue and do this : am so sorry for the inconvenience XXXX. Upon checking the case, it was filed under unauthorized, causing the system to focus more on checking the authenticity of the transaction, which may often result in a denied case. I can see the reason it charge you automativally is because this is a subscription to meta but no worries I will make sure to disconnect meta to your account to make sure this will not happen moving forward and you are right the bank was closed that is why we did not get any money from the bak and PayPal fronted the money to complete the transaction. What I can do here to help you is reopen the case and file it under Item Not Received. I understand this is unauthorized, but the good news is, you are covered with our buyer protection and PayPal will help you get your money back through this case. If the merchant will not provide any evidence, we will close this case in your favor. I sent you an email confirmation about the details of this dispute case. Kindly keep an eye on your email for any updates. We are also reviewing the merchants account and if we figure out that they are non compliant with our policies and procedures, we will no longer allow them to use our service. Rest assured we will work with you hand in hand all throughout this process. I did not receive one update from them on this process. So I reached back out to paypal and inquired on the status. Today this is the response I got, even though according to the above they were going to open a new case, We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because the purchase is ineligible for PayPal Purchase Protection according to our User Agreement. If you have any further questions, you can reply whenever you're ready and we'll reply as soon as we can. I will keep this message session active until you confirm back that your issue is resolved. Please note this is not a live chat and you will be assisted by the next available customer service representative. You may close the conversation by selecting End Message. I have no figured out who the funds went to and I have emailed and called them and they have not contacted me back. I just want the funds that paypal says I owe them returned so I can close my paypal account. | ||||||
| 09/10/2020 | Yes |
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| An international client ( XXXXbased ) sent me payment through PayPal for consulting services rendered. PayPal reported to me it was " holding '' the incoming payment for 21 days for fraud-prevention purposes, at which time I noticed my client made a mistake with the amount of the payment sent. When I asked PayPal to refund the pending amount because of the mistake, their delayed-response chat-based customer service ( it is impossible to reach a real person ) gave me several different answers on how to do so over the course of two days. They finally confirmed over chat ( after 3 incorrect/different answers ) they would refund the full amount given the payment was still pending. Nevertheless, when my client received the refund, PayPal had taken out two currency exchange percentage margins ( one unfavorable to USD, and one back to GBP ) for the same transaction, even though I never had received the funds, and the funds were processed as a full refund of the same transaction. They only refunded their " credit card transaction fee '', and you'll see that in both receipts from the payment and the refund the fees from the currency exchange margin PayPal takes are not disclosed at any point. PayPal claimed that the fees come from " constantly-changing exchange rates '' when in reality the amount my client lost derives from their currency exchange margin, effectively charging twice for refunding a transaction that was never paid in the first place. I am complaining for three reasons : 1 ) PayPal did not honor their word on this transaction. Their agents told me, on multiple occasions, through chat, that the full amount of the transfer would be paid back to my client. When I processed the refund of the held funds through PayPal 's website, there was no mention of what the exchange rate back to the client would be, so it only showed the USD amount to be transferred back instead of both the USD and GBP amounts ( which I assumed through my conversations with their customer service agents would be transferred back at the current rate along with the fee they took out for exchange ). They then returned nearly 4.5 % less and told me that shifting exchange rates were to blame ( when in the interim period the USD strengthened against the GBP each day ), when in reality it was their " margin '' fee. 2 ) PayPal charges currency exchange margins above the rate in both directions of the transfer, which means that even if a payment is fraudulent, mistaken, or in my case not made, they will claim two commissions on each returned transfer, even though at no time did the funds leave their custody. This is unfair and very unclear in their terms and conditions ( which, upon research, have changed more than three times in the past 12 months on this exact subject ). 3 ) PayPal 's customer service is so deficient that it is impossible to get a direct and timely answer from them on very important transaction issues. The phone number they provide always directs you back to online chat, and agents told me on numerous occasions they would call me but never did. It has taken me nearly five days of back-and-forth chat, with | ||||||
| 05/21/2021 | Yes |
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| I received a letter from Paypal today stating : We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your use of the PayPal products. As a result, your account has been permanently limited, with no further ability to send or receive funds. The PayPal User Agreement states that PayPal reserves the right to limit an account for any violation of the PayPal User Agreement, including the Acceptable Use Policy. -- - I have reviewed the acceptable use policy and I see no obvious violations : You may not use the PayPal service for activities that : 1. violate any law, statute, ordinance or regulation. 2. relate to transactions involving ( a ) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, ( b ) drug paraphernalia, ( c ) cigarettes, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain sexually oriented materials or services, ( j ) ammunition, firearms, or certain firearm parts or accessories, or ( k ) certain weapons or knives regulated under applicable law. 3. relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( g ) involve currency exchanges or check cashing businesses, ( h ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( i ) involve offering or receiving payments for the purpose of bribery or corruption. 4. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. I had provided some receipts, documents and answered Paypal 's questions ~3-4 weeks ago which where approved. I have a number of monthly subscriptions that get paid from Paypal and I have a number of websites pay me via Paypal, so I'm quite disappointed to lose this service. I would like an explanation of which prohibited activity I violated. I am also still interested in having my account restored. I've been a paypal customer for years and I'd hate to see this long term relationship end so suddenly. | ||||||
| 06/20/2020 | Yes |
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| The information below is for a purchase that I made through paypal on XXXX. The item was never delivered to me. The tracking number provided to me was for some one else and for a delivery made days before my purchase. I notified this to the seller ( XXXX ) immediately and Paypal requesting a correct tracking number. I was not given a correct tracking number and my order was never delivered to me. I filed a complaint requesting advice and or a refund from Paypal. The refund was denied and I have yet to know where my order was actually shipped to. Thus, I am reporting my concerns to CFPB for personal guidance and to protect others consumers. Your attention this matter is appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Details about your shipment Dear XXXX XXXX, XXXX added shipping details. Please note that the tracking information and shipping status are shown exactly as the seller entered them. Shipper USPS Tracking number XXXX Shipping status Shipped If you have questions about the shipment, please contact XXXX Seller XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Description Unit price Qty Amount Item Name : XXXX Item # XXXX {$62.00} USD 1 {$62.00} USD Subtotal {$62.00} USD Shipping and handling {$0.00} USD Insurance {$0.00} USD Tax {$0.00} USD Total {$62.00} USD Payment {$62.00} USD Sincerely, PayPal Help | Security Centre Please do not reply to this email. To get in touch with us, click Help & Contact. Copyright 1999-2020 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal XXXX : N/A : XXXX Hello XXXX XXXX, We reviewed your transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. Transaction information : Dispute Case ID : XXXX Transaction Amount : {$62.00} USD Dispute Amount : {$62.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Notice of Debit We previously issued you a provisional credit for your transaction ( s ). We now need to debit the full amount of the transaction ( s ) in the amount of {$62.00} USD from your PayPal account. This debit will occur on or after 5 business days from the date of this email. We will email you to let you know when this debit is complete. You May Need to Add Money to Your Account If there's not enough money in your PayPal account to cover the full amount of the transaction ( s ), please add money to your PayPal balance. If there's not enough money in your PayPal account to cover this debit, it may result in a negative balance and possible limitations to your PayPal account. To add money, simply log in to your PayPal account and click Add Money on your Account Overview page. We're sorry for any problems you may have experienced with this transaction. Learn More about PayPal Purchase Protection Find out how your purchases are protected and how we investigate cases by clicking Legal Agreements at the bottom of any PayPal page. Then, simply click PayPal User Agreement and Protection for Buyers. Thanks, PayPal | ||||||
| 03/10/2023 | Yes |
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Web | Older American |
| This is a complaint against PAYPAL for cashing a check issued by my bank XXXX XXXX XXXX XXXXXXXX XXXX for {$1800.00} as a balance transfer, amount which was never credited to my Paypal account balance. I hereby request PAYPAL ( XXXX XXXX XXXX, XXXX, XXXX XXXX ( Phone ) XXXX ) a refund of {$1800.00} plus interest accrued from the time the check was cashed plus financial damages. Details are set out below : For several year, I have had a credit card issued by XXXX XXXX XXXX XXXX XXXXXXXX ). In XX/XX/XXXX, XXXX offered me a 0 % interest for higher interest balance transfers. At the time, I had a PayPal account balance and I decided to use XXXX offer to pay off some of the PayPal outstanding balance. I provided XXXX with all the PayPal account details and XXXX wrote a check ( No. XXXX ) dated XX/XX/XXXX for {$1800.00} and sent it to PayPal. After a reasonable amount of time, I checked my PayPal balance and noticed that {$1800.00} had not been credited. I called PayPal Customer Service, after many questions, the representative indicated that the above mentioned check had not been received. Next, I called XXXX and they confirmed that PayPal had in fact received and cashed the check on XX/XX/XXXX and a photocopy of the check was provided. Throughout the years XXXX and XXXX, I made many calls to both entities and the answer was always the same. I managed to get an appointment for XX/XX/XXXX with a XXXX representative, XXXX XXXX XXXX at the Branch in XXXX, XXXX VA. The meeting lasted for about two hours during which the representative made several phone calls and finally said that there was nothing XXXX could do because they had proof that the check was received and cashed by PayPal and that, for them, the case was closed. I waited for months to be contacted by either party, hoping that any of them will finally locate the funds. No one contacted as of today. To avoid any damage and to maintain my excellent credit, I returned the {$1800.00} to XXXX, money that Palpal XXXX XXXX XXXX XXXX never credited to my account balance. This event has caused me a great stress and tremendous financial loss. I wrote to the Office of the Attorney General of Virginia requesting to evaluate and investigate this consumer complaint. The Attorney Generals office replied indicating that, based on the information provided to them, the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction over my complaint. I did submit a complaint through CFPB first against Paypal Credit represented by XXXXXXXX XXXX. The result was that XXXX XXXX, on behalf of PayPal, indicated that this payment has not been received or cashed by them and recommended that I contact the bank that issued the check. XXXX XXXX XXXXXXXX response was that after a review, XXXX determined that the check for {$1800.00} was indeed cashed by Paypal and that the claim should be filed with Paypal to locate where the funds were applied. This is the THIRD complaint I file for the same purpose, this time against PAYPAL ( not XXXXXXXX XXXX ) requesting a refund of {$1800.00} plus interest accrued from the time the check was cashed plus financial damages. | ||||||
| 10/30/2019 | Yes |
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| PayPal user paid XXXXXX/XX/XXXX over Texas XXXX XXXX XXXX XXXX XXXX XXXX $ on XXXX XXXX XXXX XXXX XXXX $ on XXXX PayPal originally sent all three transactions back to XXXX XXXX as a refund to my prepaid debit card XXXX & XXXX ( according to the changing account records online at XXXX & phone calls with PayPal employees in the XXXX who have poor English & XXXX XXXX employees who have similarly poor English comprehension skills and are in the XXXX ). XXXX XXXX never deposited any money into my account until XXXX & then sent that back to PayPal & informed me that the refund was a provisional credit. However, XXXX fraudulently updated account records to show credit adjustments from PayPal to the account on or about XXXX. As of XXXX PayPal is alleging that XXXX XXXX returned the refund for {$37.00} on XXXX after it was refunded XXXX due to a dispute being opened by me with XXXX XXXX on XXXX. However, PayPal advised me to open a dispute with XXXX XXXX regarding the fraudulent and unauthorized transactions on the same day I learned of the fraud and reported it to PayPal on XXXX. XXXX rejected the dispute I opened, despite Paypal immediately agreeing to refund the fraudulent transactions. PayPal acknowledged that their user, XXXX XXXX XXXX, charged my card without my permission or my knowledge after PayPal stored my card information on their user 's account without notifying me of this or these charges that occurred after their user made an authorized transaction in the past. I have an open complaint with the XXXX XXXX federal reserve regarding XXXX bank failing to return thousands of dollars in similar refunds for the XXXX product. I reported this incident with Paypal to the investigators at the federal reserve but have no confidence in their investigation or process of regulation, based on recent experiences with similar issues. Currently, none of the fraudulent transactions have been refunded to me despite Paypal and XXXX repeatedly alleging they have. PayPal promised to provide me with the skip trace report showing the money was refunded in XXXX. They alleged it was emailed to the wrong address. However on XXXX PayPal phone specialists alleged the skip trace report and information as to who stole the money, made the fraudulent transactions was " proprietary '' & ultimately it is greendot bank who should be contacted about the money or fraud. XXXX XXXX XXXX is a person involved in economic espionage and has had an identity theft problem for years used to defraud me in the past and claims he doesn't know who the money was sent to ( cherry XXXX ). His issue of identity theft is a significant part of the economic espionage yet typically, when reported, it goes ignored. This is most likely because the agencies tasked with regulation of the fraud against me and theft or misuse of XXXX XXXX XXXX 's identity benefit from the fraud and economic espionage conducted against me. This complaint is because PayPal never refunded the money or provided any information on the fraudsters that I could use to report this crime to law enforcement or locate where the stolen funds have disappeared to. | ||||||
| 07/28/2016 | Yes |
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| To Whom It May Concern : I am composing a complaint about PayPal Inc. On XXXX/XXXX/16 I made XXXX transactions ( $ XXXX-XXXX & $ XXXX-XXXX ) using either my PayPal Business Debit card and on XXXX/XXXX/16 I made another purchase using my PayPal ( $ XXXX-XXXX ). All XXXX transactions, according to PayPal 's Mobile App informed me that there were enough funds to cover these transactions, since I made a cash deposit to my PayPal balance of {$41.00} on XXXX/XXXX/16. However I 've been informed as of late by several employees of PayPal 's Customer Service Dept " Not to trust PayPal 's App '' and " Not to be reliant upon PayPal 's App, but rather on [ their ] website. '' This does not help the consumer, like myself, be informed quickly and conveniently of funds that are available. PayPal insisted that i did n't have the funds in my regular PayPal Balance to cover those XXXX transactions, but only {$3.00}, which was applied to the first transaction of {$13.00} bringing it to {$10.00}. As a result of this, PayPal the withdraws debited transactions from a connecting checking account, which all PayPal users must do to initially open a PayPal account. At that time there was n't enough funds within my checking account to cover said debts. Therefore PayPal 's requests for the funds were denied. unbeknownst to me and assuming PayPal already acquired these funds from my PayPal balance, since I noticed it was low. So therefore I made a cash deposit of {$46.00} on on XXXX/XXXX/16 and another cash deposit of {$50.00} on XXXX/XXXX/16. With that being said each and every time I make a cash deposit towards my PayPal Balance, PayPal charges my {$3.00} each and every time to " Load Up '' using a PayPal Load Up Card. ( Also every time I used a new load up card and tried to claim such funds using the card 's PIN on my mobile browser, I would get an error message. It would only work correctly when I used my desktop computer 's browser through paypal.com/cash. ) Meanwhile the XXXX transactions of {$10.00}, {$9.00}, & {$9.00} kept " ping-ponging '' back and forth from my checking account and PayPal all the while my XXXX deposits of {$50.00}, {$46.00}, & {$41.00} were completely ignored by their computer system. PayPal 's computer system kept doing so until it finally debited my checking account, and only to be sent to their collections debt because PayPal states that I 'm - {$7.00} overdrawn and stands firmly that they did not receive the funds originally from my checking account. After speaking with PayPal over and over again, and being switched from supervisors of their customer service dept ( which is all outsourced in XXXX ) told me that I should call and ask my bank if those funds were returned or honored. I was outraged and livid upon this matter! This is double-Dipping! And I 'm appalled at their behaviors concerning this matter. It is illegal! it has to be! If not, It should be! I have screen shots attached to support my complaint against PayPal and their shifty ways, smarmy, double-dipping, lying, and misinformed ways. Please investigate this matter quickly and justly. Thank you for your time and concern. | ||||||
| 12/31/2018 | Yes |
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| I am a small business owner in XXXX, NY and I would like to ask for your help resolving the issue with PayPal. I am in the business of selling XXXX XXXX XXXX XXXX and XXXX. I run the website XXXX. I have been in this business for over 6 years and this is the first time I am incurring such an act of a complete disregard to its professional duties and disrespect to its customers from PayPal. I sold quite a few custom made XXXX to the XXXX competing in XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. The nature and conditions of this process is that the customer must provide all their measurements and indicate every detail if their XXXX is to be different from what is presented on our website. This is a pretty smooth process and we explain the routine upfront. However, there was an exception. Mrs. XXXX has ordered a XXXX for her daughter, a young XXXX XXXX. This XXXX was made exactly how she originally indicated. However, upon receiving the XXXX Mrs. XXXX expressed the displeasure, saying that the XXXX XXXX was not of the tone she was hoping it would be. After we were unable to come to the amicable solution Ive suggested to involve PayPal since that was Mrs. XXXX method of payment. PayPal asked me to submit the evidence which I did ( please see the package attached ). I was dealing with PayPal but after a few month, after freezing my funds, PayPal informed me that all they did was to forward the information I submitted to buyers financial institution and of course buyers financial institution ruled in buyers favor. I made a few attempts to get the information of the buyers financial institution from PayPal to take them to small claims court but PayPal refused. I made a couple of attempts to sue PayPal in the small claims court of XXXX County, NY but the demand letters I send to both PayPals New York and California addresses were returned back to me as refused. PayPal was supposed to be a mediator between the buyer and I. They were supposed to conduct the investigation and arrive to the fair solution. Instead it simply forwarded information to the buyers financial institution. It appears the buyers financial institution is acting as judge, jury and executioner having apparently reviewed the case and sided with the buyer, and PayPal is acting like victim in the middle and saying they have to honor the chargeback. Chargeback is a voluntary banking scheme to protect debit card transactions in the event that a trader breaches a contract. If a bank decides that the customer has a case and reverses the payment, the trader has the chance to appeal. In my case that chance was never given to me! In my case buyer never returned the XXXX and never had an intention on doing so! She wanted the XXXX for free and because of XXXX luck of involvement and protection of the buyer she got it! The fact that the buyer did not return the XXXX, or raise a formal complaint via PayPal, should have been evidence against her claim, but PayPal prefers not to notice it. Please help me to get my money from PayPal or help me to get PayPal to the small claims court. Thank you in advance and best regards, XXXX XXXX | ||||||
| 12/27/2020 | Yes |
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| Woke up to multiple rapid unauthorized transaction alerts for XXXX each on my PayPal, at XXXX the night of XXXX day, that was also fraudulently hitting my main XXXX XXXX account because it had to be linked, and only stopped just short of taking every dollar I own because I called XXXX in time ( after unsuccessfully getting help and reporting it to paypal, within minutes of the unauthorized transactions ) and the nice lady stopped them by freezing the account.. It left me with next to nothing, to live on and support my family.. On XXXX, during covid no less.. The transactions are still pending as we speak.. Don't understand why they can't be canceled before these cruel people gain access to the money they stole from me somehow.. Says right on front page of paypal that they protect against unauthorized access/hacking, and just about everything else, it's the whole reason I made a paypal, because it's supposed to be safe. Showed up each time as " XXXX XXXX '' .. Paypal was drained within 4 minutes.. I called them immediately and was hung up on by the machine multiple times with no way to talk to a real person.. All while everything I have was being drained right in front of me.. Called XXXX since I couldn't get help from PayPal, to get it canceled. Nice XXXX lady immediately seen and said they were still continuously trying to hit my account. We froze the account and closed my debit card just in case. She instantly put stop payments for the XXXX transactions and made it right. Just like that. Done, on the XXXX end at least. Unfortunately I XXXX had most my money in paypal at the time because I was recently using it to buy presents for loved ones and I thought paypal was the really safe and protected way to make purchases, Ironically I was even using their extra safe " paypal key '' for additional safety. Tried the paypal resolution center, but it would only say I couldn't dispute.. Tried calling but everytime it just said use the resolution center and immediately hung up, with all 3 different paypal numbers I been calling. Tried their messaging system, no response. Managed to find a paypal email ( no where in paypal gives any real contact information for some reason ) and within five minutes of me telling them what was happening I received an automated denial saying something about suspicious emails obviously written by a machine, and in record time. I was blown away.. The email even thanked me for finding fraud, and then said that the transactions look normal to them. Over 15 hours straight of this and have gotten no where with PayPal except that automated email.. Just don't understand why they can't/wo n't stop the payment while it's pending and before it is completed, or why I can't talk to a person, or anything. XXXX did everything I needed in 5 minutes. And now I'm here.. Come on paypal.. Just want you to cancel these outrageous charges, like you promise to. XXXX took all of 3 minutes to keep my account safe.. Please help me out here. A simple cancel payment, human reply, anything. They took everything that not only I have to live on, but my loved ones as well.. Sad and cruel.. | ||||||
| 11/07/2023 | Yes |
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Web | Older American |
| This complaint is against PayPal. I purchased a {$2000.00} gift card from XXXX XXXX gift cards. It was sent to me via XXXX XXXX in a sealed package. When I opened the envelope inside in XXXX, I checked the balance on the gift card and found that the card had only a {$40.00} balance on it. I immediately contacted XXXX XXXX. They researched and found that the card had been used for numerous PayPal transactions between XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX representative suggested that I contact PayPal, which I did immediately. I spoke with a PayPal representative, who opened up a case with the case ID XXXX . They were able to verify each of the fraudulent charges and told me that the name of the person who made the charges was XXXX XXXX. I had received documentation from XXXX XXXX which outlined each transaction 's date, payee, amount, and transaction number. We matched up all of these with the information that PayPal had. I was advised that PayPal would investigate further. Because this was a gift card, upon verification of the fraud PayPal would issue a refund to XXXX XXXX, and XXXX XXXX would reissue the refund to me. I was advised that this could take some time. XXXX XXXX did issue a new gift card, but it was {$240.00} short of the expected amount. I made numerous calls to both XXXX XXXX and PayPal. I was initially told that it may take a little longer for all of the refunds to come through. On XX/XX/XXXX, I was finally able to get through to speak to a representative. With the help of her supervisor, the representative was able to verify that PayPal erroneously neglected to refund one transaction that occurred on XX/XX/XXXX and was posted on XX/XX/XXXX. This was listed as PAYPAL XXXX XXXX XXXX XXXX in the amount of {$240.00}. The representative gave me another reference number for that transaction, which was XXXX. We spoke about how much time this was taking without me getting a refund. The representative assured me that she would expedite it and gave me a new Case ID number : XXXX. I continued to check with XXXX XXXX when I did not receive this refund. During this time, I also went online to the PayPal site to try to resolve this. There was an option to get a callback from a PayPal representative. I did this several times, but never received a callback. On XX/XX/XXXX, I spoke with a PayPal representative named XXXX. She also connected me to her supervisor, XXXX. XXXX informed me that because so much time had passed, PayPal would not be refunding my money. I told him that this was unacceptable, as I had filed my complaint immediately. It was PayPal 's error that this transaction was not included in the original refund, and I had spent months trying to get it resolved through them. I asked to speak with his supervisor. After being placed on hold for an extremely long time, he told me that a supervisor was not available. I requested that he have a supervisor call me the next day. I have never received a call. I sent two emails to PayPal, one on XX/XX/XXXX to the executive office mailbox and the other on XX/XX/XXXX to XXXX XXXX. I have never received a response. | ||||||
| 08/21/2022 | Yes |
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| So since closer to beginning of XXXX I believe my friend sent me {$30.00} that I had let him borrow and instead of him waking to the bank and back since they dont have a vehicle I said jus send it in Venmo never have had a issue ever or at PayPal so now I apparently am not allowed to withdraw the {$30.00} or use it in a purchase or send it back to my friends where the payment originally came from and Im not allowed to add my bank or bank accout. I currently am already having my identity stolen and currently having my emails and phones attacked randomly but none of this has ever stopped only escalated since middle of XX/XX/22 when everything became more than it was and moved to accout takeovers and hijackings. So currently XXXX XXXX Venmo and XXXX all are holding my accounts hostage and even tho I have proved my identity to some and some I havent none of them will allow me to access or even close my accounts down as Id rather not do business with any of them anymore or even use their services or have anything to do with them. For the last year almost come XXXX I have been ignored or jus never contacted back when I broguht to the attention of all these companies what was happening with each of my accounts with each company when it was happening or within days of it happening which was unauthorized account access or suspicious or phishing type activity that is actually still going on to this very day. And still its like XXXX gets the information I have to help them understand Im being targeted and not gon na stop as i said above my identity is now being stolen. Which is the main reason Im not sending my Drivers license or certain documents over the internet or through emails or anything for some companies who flagged my accounts for supposedly suspicious activity but when I actually tel them about it when I notice it and not jus assume it suspicious but actual scammer and hacker activity they all remain silent. XXXX and XXXX actually are the two that probably could have prevented a majority of all of this months ago but they either dont respond to multiple attempts to make the aware or say they are looking into and will contact me soon. Or for XXXX there main response and is usually all that is said Yea Im not sure about rhat ; or that is weird and all of these companies have denied or refused to allow me to contact or speak with corporate or higher up management. I had made a new Venmo account like 2 days before this happend and then like a day or two after my friend sent the {$30.00} i went to transfer it to my bank account and it wouldnt allow me to and then I had to contact Venmo and found out that my account being frozen and wont say why and that its been escalated and that I can only talk to the Specialist through a email and that there is no other way to resolve this and that I cant speak with the one who froze my account or who is uncharge of unfreezing it and that I can only talk to whoever it is that emails me and even then no1 ever says who they are or if they are the one that would have the authority to freeze or remove the freeze / restriction on my account. | ||||||
| 10/31/2016 | Yes |
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| On XXXX/XXXX/16 I used PayPal to reserve a hotel room through XXXX ( who claimed that payment was not required until the day of check-in - XXXX/XXXX/16 ). Within 5 minutes of booking, I realized the hotel was not going to work for my purposes, and cancelled the transaction through XXXX ( for which I received a cancellation notice ). In my PayPal activity, I could see both the pending charge and the pending credit ( which I assumed would cancel each other out that evening ). While the funds were immediately held in my linked checking account by PayPal, to my surprise that evening ( XXXX/XXXX/16 ) they debited my checking account for the $ XXXX room fee, but did not issue me the corresponding credit that they received from XXXX. When I realized this, I called PayPal on XXXX/XXXX/16, and was told that this is because it takes 3-5 business days for the payment to process through the ACH system. When I enquired why the funds were immediately taken from my account ( despite the representation by XXXX that I would not be charged until check-in ), the PayPal representative explained that they had to credit XXXX, so they paid them from their funds. Logically then, I asked why they were holding my refund monies, since when XXXX processed the refund on the same day ( within 10 minutes of the original transaction ), they must have received the funds that evening in the same way that they 'd taken them from me. The PayPal supervisor then tried to explain that they were entitled to hold my funds, as they were still waiting for the monies from my bank to come through the ACH systems ( which is complete nonsense ). He indicated that my funds would come back into my PayPal account ( not my checking account by Wednesday - XXXX/XXXX/16 ) and I would then have to request the transfer to my bank account which could take another 3-5 business days. Therefore the total time frame from beginning ( charge ) to end ( refund ), despite the fact that the XXXX transactions occurred within 10 min of each other, would be approximately 10-12 days ( depending if there were 2 weekends or not ). When I asked him where it was disclosed that PayPal was earning interest on my money, he first indicated that they were just a processing company and did n't actually have funds. However I reminded him that he told me originally that they ( PayPal ) had paid XXXX immediately ( despite according to XXXX they were not required to do so ), and they had to have " funds '' to be able to do that. He then walked this back and said it was in the companies disclosures. I have gone back through the PayPal disclosures and can find no evidence/admission that PayPal is earning interest on our funds by utilizing their bogus 3-5 business day window for ACH processing ( which is 1-3 days, depending on if it is a weekend ). Not only is PayPal not disclosing this fact properly, but they violated what XXXX advertised by debiting my account immediately, AND are not applying the same principals to me ( the consumer ) that they are applying to XXXX ( the merchant ) ( by giving them immediate credit, but not doing the same for me ). | ||||||
| 10/10/2023 | Yes |
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| I have had a PayPal account for 19 years. In those 19 years I have never had a dispute filed either against me, nor did I ever file a dispute. Recently I made my account a business account so I could use it to sell handmade crafts on my website using XXXX. I only use the paypal to buy supplies from websites, to pay for shipping labels through paypal, and as a payment option for my customers. I dont get tons of orders since my business is relatively new. I only opened it a few months ago. I hadnt used my account in a few weeks. My last few transactions were 2 purchases made by customers. I left the money in there to use for shipping labels. I may have transferred {$30.00} out to my bank and left around {$30.00} in the account for shipping. I went to pay for my shipping and my purchase wouldnt go through. I was confused seeing that I knew I had money in there to cover the shipping costs. After a few tries I went into my PayPal account and saw a message that said my account was limited. I immediately checked my email. At XXXX that morning, I saw I was sent an email from PayPal stating that my account has been deactivated. The only reason given was this, Based on the information we have today, it looks like customers were dissatisfied with activity from this business.. I was totally confused! I had never had one dispute filed on my account from any customers! As far as I know all my customers were happy! I never had an issue at all! Everything was going smoothly. I then contacted PayPal via their customer service line. The person on the phone looked up my account and said that I had been a customer for 19 years and had never had any complaints or disputes and that it was probably just a glitch with their algorithm. She said shes submit it to another department for review and I should hear back in 3 days. She also asked me to upload my ID which I did. I gave her 3 forms of ID. My account is so old it was made in my maiden name and so I sent over Id with my current name and maiden name. 3 days have passed, I didnt receive an email and so I decided to send over a message on their website. Within seconds I received a message in response saying that they permanently terminated my account! They did not give me any reason as to why except to send me their terms of service in which I reviewed and still I do not know how I broke them! I know I didnt do anything wrong! I never had any disputes filed against my account. They also said they they have to hold my remaining balance for up to 180 days for any disputes, but I know I dont have any disputes on my account! I am terribly upset about this as I loved the ease of using PayPal for my business but I know I didnt do anything wrong or fraudulent to cause this! I would like my account to be reinstated. Even the customer service lady said she believed it was a mistake as there havent been any disputes or complaints on my account ever! I dont understand why this is happening. I was not offered any way to appeal this decision. I also want my money as they have no right to hold it for 180 days since there are no disputes on my account. | ||||||
| 06/25/2021 | Yes |
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| This transaction was unauthorized because the service ( PayPal ) charged the account in question when there was no justification for doing so, because the money in question had been returned to PayPal over 2 weeks prior to the event in question. In addition, PayPal engaged in various examples of anti-consumerist behavior. Originally, a {$3900.00} payment had been processed in error to an online vendor. Dispite immediately contacting the vendor and PayPal and telling with them ( pleading ) that not only was this an error but also there were vastly insufficient funds in the account and that it would be unsuccessful. Days after I made contact ( and after getting a positive response from the vendor ), PayPal processed the transaction and the account was overdrawn. Over the course of the next 2 weeks, I would become trapped in a nightmare of financial abuse at the hands of PayPal and my bank ( XXXX ). PayPal would go on to repeat the charges a total of 5 times, 3 of which occurred after the initial payment had been returned to them from the vendor and all of which after I had initially contacted them to stop the payment. All of the replies I got were vague copy-pasted renditions of policy, most of which did not apply in this specific situation, and never once did I get an honest reply about something being done to solve the problem. When the vendor did return the money, it was less the {$110.00} that the vendor charged in transaction fees, an amount they should have returned due to the nature of the cancelled transaction. The vendor claimed they are contractually allowed to keep these fees under any circumstance, which, aside from making no financial sense, was never articulated to their buyers in any reasonable way ( when they informed me of this policy, after the transaction occurred, they had to direct me to a single page, hidden on their website, that contained a poorly written paragraph intimating as much ). PayPal told me that they would not be honoring their responsibility to protect their customers and would be siding with the vendor in the dispute. To add the gravest insult to injury, after denying the dispute to reclaim the {$110.00} in fees, PayPal then went ahead and charged the entire {$3900.00} transaction to my bank account again ( this was the 5th time ), despite the fact that this money had already been refunded and the dispute specifically stipulated it was only in regard to the {$110.00} in fees. Either this is the grossest incompetence perpetrated by a financial institution that should disqualify PayPal from handling money ever again, or it was done on purpose as an attempt to punish their customer for standing up for themselves. Due solely to the repeated overdraft fees incurred by a single transaction continually pushed through by PayPal, I have lost {$180.00} to 5 rapid, repeated overdrafts, all while I was stuck on the side-lines, begging to be treated like a human being. This is before considering the pain and hardship caused by my account being unjustly stuck in the negative and unusable for about half the time elapsed in the past 2 weeks. | ||||||
| 05/13/2022 | Yes |
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| A buyer purchased {$120.00} worth of XXXX XXXX cookies from me and paid for them via Venmo on XX/XX/2022. The cookies were delivered to the buyer on XX/XX/2022. On XX/XX/2022, Venmo received a notification that the buyer did not make the charge and was issued the {$120.00} back. This put a freeze on my Venmo account as the money was already transferred out of my Venmo account and into my bank account. I questioned the buyer as to why she disputed the charge, and she informed me that her boyfriend went into their joint account and fraudulently disputed the charge because he was upset with her about a custody dispute. She informed me that she was trying to work with her bank to have the issue resolved, but she did nothing. She stated that she had to go to her bank in XXXX in person to sign paperwork in order to address this, which I believe is a lie. I don't believe she's at all attempted to resolve this. I've tried to work with Venmo to have my account unlocked since the dispute needs to be with the buyer, not with me. I've supplied evidence in the form of screenshots of my conversation with the buyer outlining her asking for my Venmo account information, paying for the cookies, proving we met for me to deliver the cookies to her, and her admitting the chargeback was fraudulent. Venmo will not unfreeze the account because they say they've tried to dispute it with the buyer 's bank, but the bank is in favor of the buyer and there is nothing more than can do. I don't believe they've even reviewed the evidence I've provided and Venmo will not put me in contact with the individual who supposedly reviewed everything to explain how they came to the determination that I am in the wrong. I am attaching the screenshots of my conversation with the buyer and below outlines where the evidence can be found in this document. On page XXXX of the PDF, it shows the buyer asking for my Venmo information which I provided to her. She also indicates that she paid the {$120.00} and I confirmed I received the payment On pages XXXX of the PDF, it shows the buyer and I speaking about dropping off the cookies. She confirms her address and also states that she is " coming outside '' to meet me and that she sees my car on page XXXX indicating I showed up and delivered her cookies. On pages XXXX of the PDF, I ask the buyer about the dispute for {$120.00}. When I asked her why she is disputing the charge she responded that she " didn't [ p ] ut it in. '' On page XXXX of the PDF, she states that her " ex called [ her ] bank and [ p ] ut a freeze on some of [ her ] transactions '' and that she is " trying to contact the bank. '' She goes on to say that she is working with her bank and on page XXXX of the PDF says she needs to " go down to XXXX for [ her ] bank to talk to them and sign papers to try and get this fixed. '' This proves that the chargeback was, in fact, fraudulent. On page XXXX of the PDF, I've included a screenshot of my Venmo account indicating that she made the {$120.00} payment and marked it as " cookies '' indicating she was fully aware of what she was paying for. | ||||||
| 06/16/2016 | Yes |
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| The Chargeback / Dispute policies of PayPal have taken my account to over negative $ XXXX dollars and now they 're turning me over to a collection agency. I 've been a member of PayPal for many years. I 've never had an issue until now. My ex-roommate moved out owing me over {$13000.00} in XXXX of 2016. She moved back home with her parents. Her father gave her access to his credit card. Between XXXX and XXXX she was paying on what she owed by making payments through PayPal. After making several payments, she got into an argument with her Father. He was mad and started disputing the payments she made with his bank. His bank generated a dispute for each of the payments in her name. They said she disputed the payments. I immediately tried to resolve the issue by working with her. She accepted full responsibility for the chargebacks and admitted I was not at fault. She submitted a notarized letter stating that. She 's made several attempts to address the issues via calls and emails, but no matter what she did, they could n't do anything. They have no process or procedures in place to resolve issues with the buyer 's bank when the buyer is at fault. PayPal did n't do anything to meet her request and transfer the debt. From my side of the transactions, I 've done everything I could to show them, the payments were valid and it was a personal transaction and not something bought and sold. PayPal 's chargeback and disputes department said ; they would present the information to the bank. They said ; since the PayPal account owner admits the charges were valid and stated she was authorized by her dad 's card, that I did n't need to worry. Eventually, the first set of chargebacks were closed against me. They said they would appeal the banks decision. More and more chargebacks were closed against me and I asked for a contact and the name of the bank. I was denied this information and was left helpless to resolve the issues. I did n't know the bank, whose card was used, or a single contact to address the issue. PayPal said they protect that information, but they still expect me to accept responsibility. The result is ; my exroommate committed fraud and identity theft and I 'm being held responsible for her illegal activity. PayPal 's expects me to pay over {$6000.00} for an issue they did n't help me resolve. Their reason for not supporting me, is these transactions are n't covered by " seller protection policy ''. PayPal said they have no way to transfer the debt to the buyer, even though she is at fault and accepted responsibility. Because of PayPal 's inability to place responsibility on the person at fault, they 're attempting to collect from me without providing any support or opportunity to address the issue with the bank making this claim. If you do business on PayPal and someone buys merchandise with a stolen card, you are responsible to pay back the amount of the transactions made and you wo n't have access to the funds to run your business. No matter what, because someone broke the law, the company that says they 'll protect you, holds you responsible to pay. | ||||||
| 05/05/2019 | Yes |
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Web | Older American |
| PAY PAL XXXX XXXX XXXX XXXX XX/XX/2019 DISTRICT OF XXXX XXXX CA. XXXX XXXX XXXX XXXX. XXXX XXXX, CA. XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, I AM XXXX YRS. OLD, SINGLE MOTHER, HAVE XXXX CHILDREN, XXXX GRANDCHILDREN AND XXXX GREAT GRAND SONS. ON XX/XX/2019 MY DAUGHTER, XXXX GAVE ME A {$250.00} GIFT CARD FOR A XXXX PRESENT. ON XX/XX/2019 I SPENT {$17.00} AT XXXX. THE NEXT TIME I TRIED TO USE IT WAS AT XXXX, XXXX. XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. MY CARD DID NOT WORK. THE SALES PEOPLE AT ALL LOCATIONS TRIED CALLING THE DIFFERENT PLACES BUT COULD NOT UNDERSTAND WHY I COULD NOT USE MY CARD, IT WAS A GIFT CARD. I HAD CHECKED MY CARD ON LINE AND SAW THAT I HAD A BALANCE OF {$230.00}. ON XX/XX/2019 I FINALLY DECIDED TO CHECK ON LINE AT XXXX/XXXX AND COME TO FIND OUT THAT ON XX/XX/2019 SOMEONE USED MY CARD AT XXXX XXXX FOR {$220.00} AND ANOTHER PURCHASE FOR {$7.00} THROUGH PAY PAL. ON XX/XX/2019 I EXPLAINED THE PROBLEM TO MY SON, XXXX, WHO WAS VISITING ME FOR THE WEEKEND. HE CALLED PAY PAL AND EXPLAINED THE PROBLEM. HE SPOKE WITH XXXX. XXXX TOLD MY SON, XXXX, THAT HE WOULD TAKE CARE OF IT. HE WOULD REFUND THE MONEY TO XXXX XXXX AND GET THE MONEY FROM THE PERSON THAT USED THE CARD, XXXX XXXX. HE GAVE HIM A CASE # XXXX AND SAID TO HAVE MY DAUGHTER XXXX XXXX XXXX XXXX THEY MAY WANT TO ASK HER QUESTIONS. XXXX PUT MY SON ON HOLD FOR OVER 15 MINUTES UNTIL I TOOK THE PHONE AND STARTED TO HIT THE O KEY. XXXX FINALLY CAME ON AGAIN. MY DAUGHTER CALLED ( MANY TIMES AS I DID ) THEY WANTED THE RECEIPT. SHE BOUGHT IT AT STOP AND SHOP AND WAS PART OF HER GROCERY RECEIPT WHICH SHE DID NOT KEEP. WHAT I WOULD LIKE TO KNOW IS THAT I HAVE THE CARD, ISN'T THAT PROOF ENOUGH. SHE GOT NOWHERE WITH THE BANK. HAD TO SPEAK TO 5 DIFFERENT PEOPLE. I AGAIN CALLED PAY PAL ON XX/XX/2019 SPOKE WITH XXXX WHO TRANSFERRED ME TO ACCOUNT SPECIALIST XXXX. XXXX EXPLAINED TO ME THAT XXXX DID NOT RELEASE THE REFUND TO THE BANK BUT SHE WOULD DEFINITELY TAKE CARE OF IT. SHE AGAIN GAVE ME ANOTHER CASE # XXXX. XXXX SAID TO WAIT 15 DAYS AND TO HAVE MY DAUGHTER XXXX, CALL XXXX XXXX. WHEN MY DAUGHTER CALLED THE BANK THEY ADVISED HER THEY DID NOT GET THE MONEY. ON XX/XX/2019 I CALLED PAY PAL AGAIN SPOKE WITH XXXX WHO TOLD ME TO HANG ON SHE WAS TRANSFERRING ME TO ANOTHER DEPT. AFTER HOLDING ON FOR MORE THAN 10 MINUTES I DECIDED TO HANG UP AND CALL AGAIN. I KNEW SHE WAS GIVING ME THE RUN AROUND. WHEN I CALLED THE LINES WERE BUSY SO I LEFT MY NUMBER FOR A RECALL. APPROXIMATELY 8 MINUTES I RECEIVED A CALL. I SPOKE WITH XXXX. HE SAID HE WAS UNABLE TO HELP ME BUT HE WOULD PUT HIS SUPERVISOR ON. HIS SUPERVISOR, XXXX, CAME ON AND JUST STARTED GIVING ME A LOT OF TALK. I TOLD HIM I WAS GOING TO REPORT HIM TO XXXX XXXX XXXX WHICH I DID. ON XX/XX/2019 I FILED A COMPLAINT WITH THE XXXX. I RECEIVED A LETTER FROM XXXX SAYING THEY ADVISED PAY PAL OF THE COMPLAINT AND HAVE TIL XX/XX/2019 TO RESPOND. I AM SENDING THIS LETTER TO THE MEDIA AND OUR STATE ATTORNEY, XXXX XXXX XXXX AND WHOEVER ELSE WILL HELP ME GET MY XXXX PRESENT FROM MY DAUGHTER FOR {$230.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ||||||
| 06/04/2017 | Yes |
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Web | Older American |
| On XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the reason was because of a transaction of me selling a cosmetic cream for OTC I found at my local XXXX and beauty store I contacted XXXX and an agent gave me a reference number because she did n't see anyone reason for my account being limited when I did not violate their policies. Plus they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business. I contacted paypal with information and spoke to XXXX she still refused to overturn the decision and stated that what paypal is doing is completely legal since all Financial institutions like banks hold consumer funds for 180-days even if they are granted a money transmitter License type II in FL even though paypal is n't a bank they can still with held funds, when I told her to further explain to my why paypal would over ride state laws and state constitution she stated to me it 's with in paypal policy! XXXX refused to give me her last name and the last name of her co-worker who contacted me via email with the notice of my funds being seized for 180 just their badge number XXXX ID XXXX / XXXX XXXX. I would like this to be resolved with my account being open for me to remove my, I am willing to leave a Balance of XXXX out of XXXX for any returns of charge backs. I would like to have my funds removed immediately because I read their user agreement that they are not liable for customer funds in case the company goes bankrupt my funds are not protect by any FDIC, I feel like I have been robbed because not only have paypal not pay me accordingly but I am also out of Merchandise I would appreciate a call bank and a resolution to this matter. Thank you! Paypal # XXXX XXXX ID XXXX / XXXX ID XXXX IN REGARDS TO ACCOUNT BELONGING TO XXXX XXXX XXXX PHONE : XXXX In regards to transaction XXXX ( In this transaction I sold a cosmetic cream with the legal Hydroquinone Fade OTC Non prescription ingredient that advised by the FDA which is 2 % it had proper Labeling and guide lines it is legal by law the item in question can be purchased at XXXX, XXXX or other Hair and Beauty stores ). If you would like to contact XXXX for further proof of I wasnt in any violations you can do by callingXXXX XXXX XXXX XXXX XXXX givethem this reference XXXX user ID : XXXX Name : XXXX XXXX XXXX XXXX XXXX. Thank you very much! - | ||||||
| 02/07/2022 | Yes |
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| around the XXXX of XXXX I was approved to do business with Paypal business which is a invoicing system that allows customers to securely make payments. However they have a policy they hold payments for 21 days on new businesses that just start processing with them however it seems like a scam. The only time a merchant hold payments is when a customer does a charge back and the issue needs to be resolved. I called customer service and no one would help me. They all stated its the process and the only way to get my deposit is if the customer hit the button on their side to confirm the service is complete. My customers range from 20-85 years old and they are not techy people. Paypal seems like a scam because if they truly hold payments for 21days then why did they post my payments of $ XXXX {$150.00} transactions immediately and then a customer paid an invoice for {$330.00} and pay pal is holding it. it seems like they holding higher payments to draw interest because they took their fee out of a payment they refuse to give me. If the policy is 21 days then why didn't they hold all the payments? they are screening payments for their own benefit. my customer even sent a XXXX XXXX and i sent it to paypal customer service and they said they got it and they cant release the payment. they kept emailing my customer trying to get him to do something that he didn't see. I felt like they embarrassed my customer and my business by constantly reaching out to my customer about going online to push a button that i know paypal could have handle on their back end. this is highly unprofessional and once they got all my documents and approved my company it should not have been any hassles with posting my customer payment. so I believe they are scamming businesses by picking and choosing what to post once is paid. I will provide the proof my customer sent but it wasnt good enough for paypal so I believe its something they are doing by watching payments. they claim its for the buyer and seller protection but how is that when the buyer signs the docusign. This causes an issue with my customer and my company, paypal is third party and they should not be reaching out to my customer wanting to ask them questions about the payment. thats personal. you don't ask things like that once your are in contact with me and you have a docusign from the customer. THATS A FORM of harrassment. They should not be allowed to question customers about goods and services if there was no complaint. They told mre the only way they can post it immediately is if they can ask the customer some questions and they do that with the previous payments that were posted. I think the pulling a scam somehow. i will post the document my customer sent to me because he didnt understand what paypal was forcing him to do and he got frustrated. Here is a statement to me from my customer. XXXX XXXX Sat, XX/XX/XXXX, XXXX PM ( 1 day ago ) to me My pay pal only show that it has been paid it does not show an option to confirm it From : XXXX XXXX XXXX Sent : Saturday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Subject : PAY PAL | ||||||
| 02/10/2021 | Yes |
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| On XX/XX/XXXX I deposited {$140.00} to my XXXX online account. I did this so I could pay my power bill that was subject to being disconnected. I have a prepaid account with a power company so I had to pay it. No payment arrangement can be made on prepaid services. It usually takes 30 minutes for the money to actually post with XXXX. well, I wait 30 minutes. I go to my online account to check if it has loaded it has but there was {$71.00} taken from the {$140.00} in the account by XXXX XXXX. I do not know who this company is and do not have an account with them. So I contact them immediately via email. They respond that they made a mistake and will happily refund the money back to me. All they needed was my account # and routing #. Since XXXX canceled the debit card on that account, I gave them that info. On XX/XX/XXXX XXXX XXXX emailed me an invoice stating that they issued a refund in the amount of {$68.00} which is not of the amount {$7100.00} they took. However, they said that they issued the refund on XX/XX/XXXX. The same day they took the money. They however did not send refund to XXXX but sent it to PayPal. I was fine with that. Now here is the problem. Paypal has confirmed the money was received and that PayPal has the money, But they refuse to return the money back to me. I have an email from Paypal stating that the money is being held for my protection. So for 2 days, I have been battling with Paypal to return my money they outright refuse. Today I called Paypal Corporate Office and spoke with XXXX he assured me that he would handle the issue and have the money returned to me today. During the conversation to return my money we got disconnected. I called back asked to speak with XXXX and was denied that. XXXX the man I spoke with the second time said that Paypal had not received the refund and refused to help me in any way and then again call was disconnected. Now because my money was taken from my XXXX account and PayPal refuses to return the money and now says they never received it after 2 PayPal reps said they had. My power was shut off and for 2 days me my husband and my special needs son have been in a freezing house with no power and now no food. I am filing this complaint because I did some research into how to resolve this issue, In my search, I learned that since XXXX Paypal has done this exact same thing to thousands of people and never returned the money to many of these people. The amount of money PayPal has stolen from users is in the hundreds of thousands even millions. Now that i am having to take this action. For me, it is no longer about the money but about shutting Paypal.com down forever so they can no longer scam and steal from hard-working Americans. In my search, I also learned that Paypal has had 2 class-action lawsuits against them for doing this very thing to users. They settled and were made to pay out XXXX XXXX dollars just in one judgment against them. Yet now they are doing the very same thing. They can not be allowed to get away with this. Especially when covid-19 has so many family already in financial hardships, | ||||||
| 09/20/2023 | Yes |
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| I opened a PayPal account and used it to pay for different things like XXXX rides, doordash, XXXX, and a few other things. I never kept a balance but I had my debit card linked to my account so when I paid with PayPal they would debit my card. I used my account like this for months. No problems what so ever. Then I sell my buddies dad a track saw. We each drive about an hour to meet up and make the transaction. He ends up forgetting to bring his wallet, so instead of rescheduling and wasting the trip we both made, he asks if I have PayPal. I told him I did so he sent me the money thru PayPal. They immediately put the 21 day hold on the money. Even tho my buddies XXXX called and told them he already had the saw and told them he agreed that he waived his right to dispute the transaction. They lied and told him I already had the money. He knew they were lying and even told them so. They doubled down telling him that I was in possession of the money so he didn't need to worry about it. I called PayPal and asked them why they would tell him that knowing good and well I couldn't touch the money for 21 days. So the XXXX day comes around and I get an email saying that my account was permanently frozen and that my money would be held for 180 days. So I contacted them and asked what it was about and why they waited months of letting me use my account but the second I get a few XXXX dollars in there they decide I did something wrong. They're so full of it. They claimed I violated their user policy by logging in using a VPN or anonymizer app as they call it. Once again they are full of it. I've never logged in using anything like that. They then tell me that they have another account with the same name and address that owes the money. Now by this time I've done verified my identity with them twice while my account was still working. They had no problem with it I let them know that I had my identity stolen and that that isn't my account that owes them money. They never got the social security number for that account tho. Anyone can use a someone else 's name and address and make a PayPal account but they couldn't prove it was me. Because it wasn't my account. So at this point the XXXX or supervisor or whatever sends me an email trying to explain why I can't get my money out for 180 days. Then proceeds to blackmail me saying " well if you were to take care of the account that owes us money we could get your money release to you. So they're blackmailing me to try and get pay off an account I don't own just to get my money back from them. Very unprofessional PayPal. See what PayPal does is when you keep your money in your PayPal account it's earning interests. So by freezing accounts with a couple XXXX dollars in it they are making millions in interest. Because when you sign up you sign away your right to the interest your money is making them. How they are still allowed to do this is beyond me. I guess they make more money stealing people 's money y than they lose in the court cases they keep losing. I want this to be investigated and PayPal to be held accountable. | ||||||
| 07/17/2023 | Yes |
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| PayPal has a number of security issues and outrageously bad customer support. On XX/XX/2023 my PayPal account got hacked. I received emails that somebody added a credit card to my account, simultaneously made 3 identical transactions to a made-up person name in foreign funds on 2 of my credit cards ( there were more transaction attempts but the bank blocked them ), then closed my account. All within 3 minutes. It seems that adding a credit card allowed to bypass account security and the hacking operation was automated. I also received messages from my bank who detected the problem, I confirmed that it was unauthorized activity and asked for replacement cards. PayPal didn't detect those obviously fraudulent transactions, neither did it confirm by email that I authorized closing the account. All I got in the PayPal email was that if I didn't authorize closing my account, I have to go to the site and press " Contact ''. I did so but they required me to log in into the closed account which is impossible. I registered another account with another email and contacted help desk, they opened a case for unauthorized transactions in my deleted account. However, soon after I received a message that the case was closed, they didn't find any suspicious activity! I insisted to the help desk that they reopen the case ( took me 2 days, they assured me a few times they reopened it but it didn't work ), but then they miscalculated the total amount ( lower than it's supposed to be ) and wouldn't correct it. I also kept asking to reopen my account but they refused to do so giving contradictory reasoning ; like they don't have my data any longer as they delete everything except customer email and phone number upon closing an account ; but then I asked how they can overturn transactions if all my financial information was deleted ; and they wanted to collect more private information from me for " verification ''. I'm still not sure if they still have all my information in the database but lie about it or they have a security issue not being able to overturn fraudulent transactions from a closed account, but wouldn't admit it pretending they were working on my problem. I spent 5 ( FIVE ) days trying to resolve the issue but the conversation was going in circles giving me canned answers. Anyway, I ended up contacting my bank since those 3 transactions went through even though the bank was supposed to block them. The bank promised to overturn them. But the reason they went through was because they were charged by PayPal on the new replacement cards issued by the bank, 2 hours after my account was closed! It's the time when I pressed a button to replace my cards. The bank considers PayPal a " trusted '' source, so when it issued the replacement credit cards it immediately sent the numbers to PayPal. But PayPal shouldn't be trusted as it charged the new cards for the same fraudulent transactions, overturning the bank suspending them! And it happened in a closed account, no problem. Now I'm getting new new replacements cards since the new ones were compromised again by PayPal. | ||||||
| 02/04/2021 | Yes |
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| We are a business consulting company, we provide our clients with solutions for their companies, such as web development, XXXX XXXX, accounting services, digital marketing, among others. On XX/XX/XXXX we received a payment in our PayPal business account, a payment of {$800.00} from our XXXX client " XXXX XXXX XXXX '' which is a non-profit foundation that is buying from us a license of the XXXX XXXX software in its Cloud Standard version, of which we are authorized Solution Partner. On XX/XX/XXXX we received a payment of {$4000.00} from an invoice of XXXX in our paypal business account, from our client in XXXX XXXX XXXX XXXX XXXX. who bought us a XXXX license in its XXXX XXXX XXXX version. It is agreed that only the client will initially pay {$4000.00} and the remainder at the end of the installation and configuration work of their server. We tried to transfer the funds from our PayPal business account to our bank account to make the payments of the licenses of our clients and pay our employees, however, PayPal told us that a security check had to be done and they also informed me that I had a debt in my personal PayPal account for an amount of {$970.00}, I contacted the PayPal collections department to charge the debt from the funds that are withheld, but the collections department informed me that paypal had sold that debt in XX/XX/XXXX to the company XXXX XXXX XXXX XXXX. We contacted XXXX XXXX XXXX XXXX and they kindly informed us that Paypal had indeed sold the debt to them, so we made a payment agreement, I also informed them that the available money was held in PayPal for which they agreed to give me 30 days to resolve the payment. I contacted PayPal 's collections department and they told me that they would remove the restrictions on my account so that I could use the money that is available there. However, the PayPal account restrictions and support department keeps telling me that I must pay the debt to them and not to XXXX XXXX XXXX XXXX, but they do not allow me to transfer the money to my bank account to make the payment and they do not collect the debt from the available balance in my paypal account. It seems to me that everything may be a misunderstanding between the PayPal departments, but there is also the possibility that it is a scam, that is why I have decided to send you the information so that you can start the investigation. I have seen many similar cases on the internet and PayPal ends up stealing people 's money, please take the necessary actions so that this type of thing does not happen, we are a small company and every penny withheld affects our operations, it is difficult to grow as company if these types of problems occur. I enclose the debt resolution letter that XXXX XXXX XXXX XXXX sent me and that I sent to both the collections department of paypal and the account limitations department. I am currently having problems with my clients and my suppliers because I have to make payments and the money is being held in PayPal, even though I have already paid off my debt following the instructions they gave me. | ||||||
| 01/10/2019 | Yes |
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| In XX/XX/XXXX, a consumer used his credit card to make a purchase he authorized with my business.There were 3 separate charges to his XXXX XXXX card which were processed through my merchant account with Paypal : XX/XX/2018 in the amount of {$820.00}, XX/XX/2018 in the amount of {$2400.00}, and on XX/XX/2018 in the amount of {$2500.00}. The total for the three purchases was {$5700.00}. XX/XX/XXXX the consumer did receive and use what he purchased and had no complaints whatsoever. On XX/XX/XXXX the consumer mistakenly forgot about the charges and disputed the charges with his XXXX. As a result, Paypal immediately reversed charges and refunded the consumers XXXX XXXX card immediately withdrawing the {$5700.00} from my Paypal balance. After speaking with the consumer in regards to the matter, he acknowledged his error and contacted XXXX XXXX to again approve the 3 charges. I explained all to Paypal in writing. Paypal told me that it could take up to 80 days to resolve a chargeback dispute and that they would investigate the matter. Under the direction of the consumer on XX/XX/XXXX XXXX XXXX then dropped the dispute and reapplied the charges to recredit my account, sending the money back to Paypal to refund to me. I subsequently have contacted Paypal several times by email, phone and fax to determine when the {$5700.00} would be re-credited to my account. Paypal tells me they have not heard anything from XXXX and has received no money back from XXXX. I notified the consumer of this. He initiated a 3 way conference call with myself, himself and XXXX who verbally told me they refunded the money to Paypal to return to my merchant account XX/XX/XXXX. The XXXX XXXX provided the control number for the reversal transaction. Paypal continued to deny receiving any funds returned. On XX/XX/2018 XXXX provided me with a letter clearly stating they cancelled the dispute and sent the charge money back to paypal to refund me on XX/XX/XXXX. I forwarded the letter from XXXX to Paypal chargeback department yet they still continue to deny that they have received the money from XXXX. Paypal has conducted no investigation of the charge back. I have spoken with a supervisor at Paypal to help me get my money redposited into my account. Paypal is now wrongfully withholding my money for 90 days, despite my multiple attempts to rectify the situation. I've completed a Paypal online appeal process, I've called on numerous occasions, and each time have had to wait 2 to 3 hours to speak with a representative about this matter. Each time, I've been told that they have no updated information regarding the matter since XX/XX/XXXX when the original charge back dispute was filed in error. It is my belief that Paypal as a financial institution is behaving unprofessionally, fraudulently and is wrongfully withholding my money. I have complied with any and all instructed actions in an attempt to resolve this matter. I am filing this complaint in the hopes of receiving any assistance you can provide. I am forwarding the letter from XXXX stating they gave Paypal my money on XX/XX/XXXX. | ||||||
| 05/04/2023 | Yes |
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| Starting on XX/XX/2023, a series of withdraws from my XXXX XXXX XXXX XXXX Account. ( there was a failed attempt on 3/4 to make a withdraw of {$1000.00} from an old inactive XXXX account as well ) NONE of these withdraws were authorized my me.There were a total of 7 successful transactions on the following dates. Twice on XX/XX/2023 {$1000.00} each Twice on XX/XX/2023 {$1900.00} each Twice on XX/XX/2023 {$1900.00} each Once on XX/XX/2023 {$1900.00} There were also 4 failed attempts to withdraw funds ( including the above mentioned XXXX account ) XX/XX/2023 ( XXXX account ) for {$1900.00} XX/XX/2023 ( XXXX account ) {$1900.00} XX/XX/2023 ( XXXX ) {$1900.00} XX/XX/2023 ( XXXX ) {$1900.00} I have the transaction ID 's for all of these transactions Sometime before XXXXXXXX XXXX, a bank account ( not sure if it is checking or savings ) was opened in my name at the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX annount ending in XXXX. I did not aurthorize or have knowledge of this account. This account was then linked to MY paypal account and was used to with draw funds from my bank via paypal then deposit then in to the XXXX XXXX XXXX XXXX account. This happpened on the following dated for the following amounts ( see attached documents with transaction Id numbers ) Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$2000.00} Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$3900.00} Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$3900.00} Total {$9900.00} Paypal has refunded all but {$1900.00} I did report this to paypal on XX/XX/XXXX. Later that evening a series of 18 transactions of {$990.00} each were deposited to my paypal account from a XXXX XXXX. Paypal is claiming that these funds were deposited in to my bank account and should have been in there onXX/XX/2023 There was no deposit and nothing pending into MY account. Paypal is claiming I owe them as of XX/XX/2023 {$5900.00} ( I have no idea where or how they figured this number ) I attempted to call XXXX XXXX XXXX Bank 3 separate times on XX/XX/2023. They were the most unprofessional sounding people I have ever spoken to on the phone. One hung up on me. Another said if I don't have the account number they cant help ( if I didn't authorize this account how would I have the number?? ) the third sent me to the " fraud dept '' I was given the email address of XXXX and told to send over anything I had. I emailed them today and the email was returned as Blocked. ( screen shot attached ) Since doing some research I have found SEVERAL VERY SIMILAR complaints about this bank. Money being taken from Payal to fraudualent accounts. ( See attached Screen shots ) I have also located a copy of a Cease and Desist order issued my the XXXX XXXX XXXX XXXX XXXX ( attached ) I have disputed all of this with pay pal several times since XX/XX/XXXX. In addition to this complaint I have filed complaints with the FTC, and FBI as well as disputes with paypal. I will also be filing with the XXXX XXXX XXXX, NY State Deparatment of Banking, Pa Dept of Banking and the US Deparatment of Banking | ||||||
| 07/07/2015 | Yes |
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Web | Older American |
| I received numerous phone calls from a " XXXX '' that said he was working with XXXX and that our computer was sending many messages that it was having issues. He and his " company '' could fix these problems for {$280.00}. Stupidly, we fell for that " con job ''. soon after sending the money and seeing where it was sent to, ( XXXX XXXX ), I realized that this was a scam. I requested a refund, witch they were prompt to do. However, they sent {$1800.00} instead of {$280.00}. XXXX, of course, admitted the mistake and wanted me to send him {$1500.00} back, but not thru PayPal, but by money order through XXXX, XXXX, etc. I refused to do that saying I would only give the money back through PayPal. I made several attempts through PayPal to refund the money directly back to the person that sent it originally - XXXX XXXX but was unable to do so because PayPal refused to send payment to a personal account in XXXX XXXX After telling XXXX that I was unable to send the refund to XXXX XXXX, he said he understood and for me to send it back to a different email address-one that was a " business '' account, but turned out to be XXXX XXXX. I held onto the funds until PayPal verified that the money was indeed in my PayPal account and ready for transfer. I then transferred the money to my bank account. After receiving NUMEROUS phone calls daily from XXXX, and verifying through my bank and PayPal that the money was indeed there, I refunded the {$1500.00} to where XXXX told me to. Then 2 months later, PayPal refunds the full {$1800.00} to XXXX XXXX, without notifying me in advance, or giving me an explanation as to why. Leaving us with a {$1700.00} balance owing PayPal. I have notified the dispute dept. and the fraud dept. of PayPal by email numerous times. I have also called PayPal numerous times and talked with many different people. I am still receiving phone calls from this fraudulent company telling me they want to " make things right '', by sending me more money. But not just {$1500.00}, they MUST send $ XXXX {$2500.00} and want me to refund the difference. Each time I have said no. " Either send me the correct amount of {$1500.00} or nothing ''. They also ca n't /wo n't use PayPal for the transaction, they want to deposit it directly into my bank account and have me refund them by money transfers not through PayPal XXXX I have refused them each time. This last communication, today, ended with " XXXX '' being quite angry with me and he said he couldn't/would n't try to help me anymore to get the money back and I would just have to pay PayPal. I have requested received {$280.00} on XXXX XXXX, 2015 from XXXX XXXX, deposited in my PayPal account leaving me a balance of {$1500.00} still owing. I have requested a reversal of the payment of {$1500.00} that was sent to XXXX XXXX from me. PayPal keeps denying me and keeps closing the cases. I realize that I do n't understand the procedures and possibly are n't answering the questions properly, but it seems to me that PayPal could help me out more here. I know I 'm not the only one that has fallen into this fraud trap. | ||||||
| 02/06/2021 | Yes |
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| On XX/XX/2021 I authorized payment of a {$2500.00} invoice using my XXXX XXXX XXXX credit card using Paypal. Instead of paying the invoice as I authorized, Paypal illegally and fraudulently embezzled funds using my Paypal balance. I immediately contacted Paypal customer service to correct their error, Paypal refused. They stated I had to request a refund from the vendor and she would have to reissue the invoice to use my credit. I called back and spoke with the Paypal Fraud department, as Paypal had in fact committed fraud, wherein the Fraud rep lied about the reason for their unlawful action. XXXX in the Paypal Fraud Department alleged my Paypal balance was used because XXXX XXXX declined the charge. This claim was utterly suspect as XXXX XXXX 's procedure in such cases is to contact the cardholder immediately with notice of such a decline. No notice was received, so I called XXXX XXXX. The agent stated that as is normal procedure, a " test '' transaction was in fact received from Paypal, however the {$2500.00} actual charge was not subsequently submitted, so the charge had never been declined. The XXXX XXXX agent offered to call the Paypal Fraud Dept while on the phone with me. Paypal Fraud Agent XXXX verified that, in fact the charge had NEVER been declined. She provided no reason for why my express payment authorization was usurped and my Paypal funds were misappropriated. Agent XXXX continued to refuse to correct the error. I contacted the vendor to issue a refund, but the vendor had already transferred the payment to her bank account XXXX smart ) so the funds were in transit. I conveyed this to XXXX, she said it did not matter the the funds would be returned regardless of where they were. After the refund was issued, Paypal 's website first indicated the funds would be in my account by XX/XX/XXXX, an hour later that date had been stricken and XX/XX/XXXX was listed. On XX/XX/XXXX, the funds were still not retuned to my Paypal account so I called. After an 18 minute hold, the Paypal rep asked me to refresh the screen and my funds MAGICALLY appeared. I immediately transferred the finds to my bank account, Paypal indicated my fund would arrive on XX/XX/XXXX - some 11 days AFTER this fraudulent transaction occurred. Paypal has ILLEGALLY commingled funds from 2 different businesses we own. This has caused not only severe emotional distress, but has resulted in the inability to pay bills for a completely unrelated business, because the income from that business was misappropriated by Paypal. If this is a pattern and practice of Paypal they should be severely sanctioned by this agency and perhaps a class action lawsuit is in order. Adding insult to injury, the vendor I paid {$2500.00} to - due to these facts - now refuses to do business with me. On top of that, the first customer service rep said this could all have been avoided had I processed the invoice payment as a " Guest '' instead of login in to my Paypal account. So Paypal treats " Guests ' BETTER THAN ITS CUSTOMERS. Note to self, we'll be using XXXX for payment processing going forward. | ||||||
| 09/28/2019 | Yes |
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| This complaint stems from a fraud/hacked account case with PayPal. On XX/XX/2019, I received an email written in XXXX from Paypal confirming my request to transfer {$1000.00} from my bank account to my PayPal account. As I did not do this, I immediately contacted PayPal to cite the fraudulent transfer ; the email I was directed to contact for potential fraud cases was XXXX '. After contacting them, I was ensured a case was opened to look into my fraud request. A couple days later I saw {$1000.00} was withdrawn from my bank account. Paypal then refunded the {$1000.00} and froze my account and I thought the episode was over. A few weeks later I started getting emails from Paypal requesting I pay {$1000.00} because my PayPal account had a - {$1000.00} balance. When they finally called, I explained that a fraud case had been opened ( I provided the case number ) because {$1000.00} had been taken from my bank account but that it appeared to have been resolved and PayPal said ok. About 2 months later, starting in late XXXX/early XXXX, I started getting calls from unlisted numbers. A voicemail was left from someone saying they represented XXXX, XXXX XXXX XXXX XXXX, and they were calling to collect an {$1000.00} debt I owed to PayPal. After reading about debt scams, I waited until I received a letter in the mail to confirm this was a legitimate company. I finally received a letter on XX/XX/XXXX asking I pay a debt for PayPal. XXXX called again and this time I informed them that I owed no debt and explained the fraud case I had with PayPal. I let them know I was filing a complaint with the FTC and they asked me for all of the proof of my fraud case. As I do not trust this company, I said no and I was giving it all directly to the FTC. Ultimately, I am not sure who exactly is at fault between XXXX and PayPal, but due to the months of harassment over {$1000.00} I do not owe because my PayPal account was hacked, I am filing a complaint. I have screenshots of all my email correspondence with PayPal as well as my bank statement showing the money withdrawn from my bank account and being refunded. I also have a timeline of events : XX/XX/XXXX - unauthorized transfer request, complaint filed. XX/XX/XXXX - case opened, {$1000.00} withdrawn from personal bank account into PayPal account. XX/XX/XXXX - Paypal refunds {$1000.00}. XXXX XXXX - password to PayPal account changed, account frozen. XX/XX/XXXX - negative PayPal balance reported. XX/XX/XXXX - negativePayPal balance reported, call with PayPal to resolve issue. XX/XX/XXXX - negative PayPal balance reported. XXXX XXXX - Calls from XXXX started, requesting debt of {$1000.00}. XX/XX/XXXX - letter received from XXXX requesting {$1000.00}. Today - filing complaint. As I never authorized any transfer of funds and had an account compromised, I feel my time continues to be wasted by requesting a debt I never owed. I would like the CFPB to inform XXXX to stop harassing me about this debt. I am happy to provide any evidence necessary to the CFPB to back up my account or speak on the phone. Thank you. | ||||||
| 08/16/2020 | Yes |
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| On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through Paypal using my XXXX XXXX card in the Amount of {$750.00}. My trip was for XX/XX/XXXX. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company XXXX XXXX and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for Paypal to respond. Paypal responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from XXXX saying that my needed to reach out to Paypal because there is nothing they can do. I have since reached out to paypal who has sent be back to XXXX to have them handle the claim and reach back out to them. I contacted XXXX told them Paypal told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact Paypal. I have since reached out to Paypal who has now sent me back to XXXX to have them help me because they are waiting on XXXX to contact them with their decision that they Paypal will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!! I just went on Paypal 's Website and they have closed my case. Without giving me my money back. They took my money and now I feel like I have been SCAMMED. How do you pay for a something you did not get and when you try to get your money back the people who took your money is telling you, you are not supposed to get it back. I have done EVERYTHING I was supposed to do. I cancealled ahead of time, I asked for my money back. Why am I the customer the one that is losing out. PAYPAL owes me my money. They processed this transaction, it is their MERCHANT that took my money. This is unacceptable. I will not stop until I get the rest of my money back. XXXX has issued me {$250.00} out of the {$750.00}. I need my {$500.00} back. In this time where things are rough for everyone ... losing {$500.00} for something I did not get, is beyond wrong. Paypal needs to give me my money. XXXX said they could not honor my claim because Paypal denied it, and Paypal is trying to tell me my case is closed because XXXX denied my claim. How on earth does any of this make sense. | ||||||
| 02/18/2021 | Yes |
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| On XX/XX/XXXX, I purchased a poncho/sweater from XXXX ( a/k/a XXXX ), advertised via the XXXX ( " XXXX '' ) Platform. XXXX displays an American Flag, which to the buyer, seems to be a Made in America company. The sweater is defective. On XX/XX/XXXX, I reached out to PayPal, as the payment transferred via PayPal. I included pictures of the condition of the sweater after one ( 1 ) hour of wear ( the sweater was not washed or altered ). PayPal denied my dispute, as PayPal stated : We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. What transpired : Via an XXXX Advertised platform, I purchased a sweater from XXXX. After approximately one ( 1 ) hour of wear, the sweater, shed profusely all over my clothing, hair, car, and the restaurant chair. Embarrassed, I reached out to XXXX. The charge displays on my credit card statement as XX/XX/XXXX-PayPal XXXX XXXX CA. Despite voluminous pleas for assistance, reporting the defective merchandise, and several requests for a return label, XXXX would not provide a return label. Below are XXXX Responses : On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$5.00} to keep the defective sweater. On XX/XX/XXXX at XXXX, via XXXX , XXXX offered me {$15.00} to keep the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$15.00} to keep the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$10.00} for me to keep the defective sweater. I again requested a return address to send back the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$18.00} for me to keep the defective sweater. Is This A Deceptive Trade Practice? : On XX/XX/XXXX at XXXX, XXXX instructs me to use a sweater de-baller or wash it to reduce the shed of the sweater. I requested a return address to send back the defective sweater. Though I did neither ( de-ball or wash the defective sweater ), on XX/XX/XXXX at XXXX XXXX, XXXX states : All return/exchanged items must be returned in their original condition : unworn, unwashed with all tags attached. The above is, in my opinion, a Deceptive trade practice with the intent to trick/victimize honest consumers. For why would a merchant instruct a consumer to wash an item, then two ( 2 ) days later warn that if the merchandise is washed that it could not be returned? As mentioned earlier, I never washed the sweater, and after eleven ( 11 ) emails with a request for a return address ( via XXXX and my secondary email ) ; three ( 3 ) emails with a request for a return address via my primary email ; and five ( 5 ) XXXX back-and-forth XXXX messages, XXXX has not responded with 1 ) a return label ; or, 2 ) their return address ( Of note is that they purport themselves as a US business, and the tracking starts out of XXXX, NY ; however, there is no Company address listed on their Website. ) PayPal denied the request to refund the {$48.00} transaction. | ||||||
| 01/24/2022 | Yes |
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| On the XXXX of XX/XX/XXXX, I was trying to do a transfer from my bank account ( XXXX XXXX XXXX account ) to a friend using Paypal. When I clicked on the transfer Paypal site showed me immediately a message that the transfer can not be processed due to legal issues. so obviously the transfer is denied and nothing should happened. On the same day I received an email message informing me that the payment is pending ( although the site informed earlier is can not be done ). The email is attached under the file " XXXX ''. On the XXXX of XX/XX/XXXX I received an email from XXXX XXXX informing me of Paypal withdrawal US {$820.00} from my account ( which is the transfer amount ). The email is attached under the file " XXXX XXXX account XXXX ''. Later on the XXXX of XX/XX/XXXX I received an email from paypal requesting very sensitive personal information in order the process the transfer. The information they requested listed below : Proof of Identity : please upload a copy of a valid Government issued photograph identification ( i.e. passport, driver 's license, government-issued identification card ) which must show your date of birth and the document 's expiry date. We can not accept partial/ expired documents. Proof of SSN/ITIN : please upload a copy of your social security card, IRS statement XXXX past year 's W-2, or past year 's tax filing return. Alternatively, please provide a copy of your IRS letter assigning full Individual Taxpayer Identification number ( ITIN ). These documents need to show the full social security number and must have been issued within the last 12 months. Proof of Address : please upload a copy of any utility bill, bank/credit card statement 401K or brokerage statement issued in the last 12 months. The email is attached under the file " XXXX ''. Since the information they are asking are very sensitive, which I am not willing to give to a website, and at the same time all the information are already with my bank, I contacted Paypal customer service and asked the why did they withdraw the money from my account if they are not going to process it, and asked them to return the money as I am not willing to give that kind of information to a website and the information is already with the bank. They refused to return the money and insisted on getting the information. the issue seems like a hostage issue. They are refusing to return the money to my account although I called them XXXX times and filed a claim on paypal website. Instead they send me another email requesting the same information. Attachment " XXXX '' Than Finally they sent me an email on XX/XX/XXXX that the case was denied. Attachment " XXXX ''. The problem can be summarized in few points : 1. Paypal site showed that the transfer is denied. 2. although Paypal said the transfer is denied they send an email that it is processed. 3. they withdraw the money, total of US {$820.00}. 4. they refuse to complete the transfer or return the money unless a very sensitive information is given. I don't want there service anymore I just want my money back. | ||||||
| 08/07/2023 | Yes |
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| On XX/XX/2023 a fraudulent {$700.00} payment was made from our Venmo account ( see email below ). ( venmo You paid XXXX XXXX Deposit Transfer Date and Amount : XX/XX/202XXXX XXXX private- {$700.00} Like Comment Charged to your Visa credit card ending in XXXX, and will appear as " VENMO '' on your card 's billing statement. Click here for more information about funding your payments and fees. Payment ID : XXXX ) We did not initiate or authorize that payment, so within minutes we clicked on the transaction and reported fraud. We also called Venmo to report the fraud. The worker on the phone was very understanding and helpful and said their team would resolve the issue within 10 days. After 7 days we received an email saying that the case was resolved, but instead of removing the payment from our statement the case was denied. It said the payment was consistent with our payment history. I don't even know what that means, we did not initiate or authorize that payment from our phone or computers, to a person we do not know, and for an amount higher than we've ever spent ( see email below ). ( Venmo Logo Hi, XXXX XXXX Your Venmo dispute case has been denied Original transaction ( s ) : Dispute Case ID XXXX Dispute amount {$700.00} USD Transaction amount {$700.00} USD Transaction ID XXXX Transaction Date XX/XX/2023 Payment sent to XXXX XXXX We received the case XXXX XXXX XXXX you filed on XX/XX/2023. We have reviewed this transaction XXXX XXXX XXXX and are denying your case XXXX XXXX XXXX : Based on our review, we found this transaction is consistent with your payment history. If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. Thank you for your patience and cooperation. Please don't reply to this message. To get in touch with us, click Help & Contact. ) We tried to call to get an explanation on XX/XX/XXXX immediately after we received the email, but the operator said these cases can not be discussed over the phone, only through email. We sent an email on XX/XX/XXXX asking for documentation and an explanation, so we could appeal the decision, but did not receive a response. On XX/XX/XXXX we sent a follow up email, but again without any response. ( see emails below ) ( From : XXXX & XXXX XXXX XXXX Date : Thu, XX/XX/2023 at XXXX Subject : Re : Case resolved for your Venmo case XXXX XXXX XXXX XXXX It's been almost XXXX weeks since there was a fraudulent payment on our account and currently that charge is still on our account. We were told it would be resolved within 10 days. Please give us an update. Thank you, XXXX XXXX XXXX Fri, XX/XX/2023 at XXXX XXXX and XXXX XXXX wrote : We did not authorize this payment. Please send me the documentation. XXXX XXXX, XXXX. Thank you! ) Venmo somehow allows a third party to make a payment from someones account and then does not handle the situation in a timely manner, so please let me know what my next stet would be. Thank you! | ||||||
| 01/04/2023 | Yes |
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| In XX/XX/XXXX I opened a Paypal account to make online purchases. In XX/XX/XXXX, I was XXXX shopping on XXXX, XXXX, and XXXX and decided to use my Paypal account for convenience. I linked some of my credit cards but once they were maxed out, I decided to link my bank debit card, as well. Paypal also offered me a XXXX XXXXXXXX XXXX which I was accepted and used. I did not use my debit card for any purchases. On Tuesday XX/XX/XXXX I received an email from Paypal regarding suspicious activities on my Paypal account. I also received strange emails from my bank that a XXXX transaction was denied and XXXX was sent to an XXXX XXXX. I had XXXX balance in my bank account. When I checked my bank online, I noticed an ATM-PayPal transaction of XXXX to XXXXXXXX XXXX in XXXX XXXX XXXX CA. My heart dropped because I have no idea who this person is nor did I authorized my bank or Paypal to release this fund. On Tuesday XX/XX/XXXX my husband and I notified the bank and they immediately suspended all transactions. I also notified Paypal and according to Paypal agent, I would receive a response anywhere from 48 hours to 10 days regarding this investigation. She advised me to find the open case in the XXXX XXXX of Paypal website. On Wednesday XX/XX/XXXX I contacted Paypal because I had not heard anything back from them at all. It seemed they did not care that my bank account was wiped clean because of them ( Paypal ). The agent said the case is closed and they found no fraudulent activity. I was incensed because I knew that was a lie. Also, they never notified me of anything. There was ZERO communication from Paypal after I opened an investigation case. I had to call them and be tossed around 4x before I was able to speak to someone who said the case is closed. The first agent was a male and in the middle of our conversation he put me on hold for 15 minutes. I finally had to hang up and call back, again! I demanded the XXXX to be refunded to me because I trusted them with my debit card. What if it was an employee? Why did I get an email from Paypal regarding fraudulent activity and they still released the funds from my debit card. I told Paypal I am filing a complaint with the CFPB and demanded they close my XXXX XXXX. The agent said she will re-open the investigation and that I had to speak to another department to close my Paypal card. I was tossed around again ( very difficult to get a live agent on the phone ). On Wednesday XX/XX/XXXX I closed my Paypal XXXX. I was trying to close my Paypal account altogether but they would not let me. I am stuck with Paypal. They refuse to refund the money they stole from my bank account. They NEVER contacted me about closing the case. And now they will not allow me to close my account altogether. I have attached all the documents you need ; the emails from Paypal and my bank, along with copies of bank and Paypal transactions. I am disgusted with Paypal. Their system is not secured at all. Their customer service is horrible. They STOLE my money out of my account and giving me the run around. | ||||||
| 08/15/2016 | Yes |
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| I have been a loyal PayPal customer since XXXX with my account in good standings. Over the years, PayPal has transformed from a small online 'send money tool ' into a large 'BANK ' ( without a license ) and a CREDIT CARD processing machine. As PayPal customer, I feel that PayPal grew fast, became more commercial and adjusted their terms and policies thereby making it more difficult for my small business to meet its business goals. PayPal is also evolving into a single entity by separating from its original business model with eBay. Here are some of the issues encountered : 1. PayPal does not protect its customers from transactions disputes against powerful credit card companies. Usually, if there is a dispute, credit card companies win. The agreement PayPal has with credit card companies works well for them but not so much for the customers on the receiving end. For example, if I sell event ticket and the buyer does not attend this event but files a dispute with their credit card company ; credit card company wins the dispute most of the times. 2. PayPal Here and virtual terminal products require account reassessment/application for their already existing customers that are misleading and may cause account to be frozen or terminated. PayPal is not FDIC insured and only has legal presence in XXXX states which makes it more difficult to address these issues. 3. Recent PayPal website redesign supposed to make things simple but it does n't. In fact it complicates things and could potentially lead to mistakes in money transfers. For example, to print out a financial statement to be used for income tax is a nightmare. The statement itself is difficult to understand and no customer service representative is properly trained to assist. 4. PayPal 's legal department has different standards from those of the Banks. For example, subpoena processing department makes it very difficult and almost impossible for a small business from a small claims court to serve a subpoena for information against the debtor. It makes it very difficult to collect debt. Customer service does not provide clear legal instructions. Information provided is misleading and conflicting. There is not legal department contact phone number. In many instances, PayPal rejects the court orders. In doing so, on XXXX XXXX, XXXX, PayPal provided us a response letter with a phone number and contact but the phone number is just a voice mail with a dead end. My XXXX voice mails left were never returned. Essentially there are no phone numbers for legal department, headquarters or executive teams. In fact executive numbers are changed frequently to make contact more difficult for the customer. In other words there is no one in charge and there is no one to take responsibility for PayPal actions unless we file this complaint. 5. Customer service quality has declined and stopped being effective. It functions more as a protective body rather than service. These and several more issues I would like to address with PayPal and provide further evidence and dates to be discussed. | ||||||
| 11/03/2022 | Yes |
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| To whom this might concern, On XX/XX/2022, at XXXXXXXX XXXX, I received an email from Venmo, stating that " Your Venmo account has been temporarily restricted '' due to recent activity that triggered some security alerts. On XX/XX/2022, at XXXXXXXX XXXX, there was another email from Team Venmo with the title " Notice Regarding Your Account '' regarding request # XXXX - which was generated by Venmo itself. In this email, Venmo stated " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account '' The moment I received the notice, I took my time to review the User Agreement, to make sure I have not violated any term unintentionally. On XX/XX/2022, at XXXX XXXX, I replied to the request above to inquire about the reason and if there is anything I can do, or anyone I can speak to resolve the issue. On XX/XX/2022, at XXXX, XXXX XXXX a gentleman replied to the email above on behalf of Venmo , he couldn't explain the reason why and could only repeated what I had already read from the previous email. Since PayPal and Venmo are under the same company, my PayPal account also experienced the same issue. My account is now permanently limited and currently has {$110.00} that is held hostage for 180 days. On XX/XX/2022, at XXXXXXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. On XX/XX/2022, at XXXXXXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. On XX/XX/2022, at XXXXXXXXXXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. On XX/XX/2022, at XXXXXXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. I also contacted PayPal Support on XXXX on XX/XX/XXXX at XXXX AM and received a reply from a rep at XXXXXXXX XXXX the same day. I waited and a different rep responded to my question on XXXX on XX/XX/XXXX at XXXX PM- again he copied what I have already known and could not offer any further help. All of my attempts to contact PayPal regarding my PayPal and Venmo accounts were met with unhelpful responses. Hopefully, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. I have been nothing but respectful toward the company and would really appreciate if they can resolve this issue. I will attach as many documents as possible ( my attempts to contact through email, XXXX ) I appreciate all the help and response I could get, thank you very much. | ||||||
| 08/17/2023 | Yes |
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| I'm looking to address a problem whereby PayPal charged the wrong account for a transaction. Despite my preferred card for payment being a credit card, my bank account was automatically charged instead. After I selected 'pay with PayPal XXXX on the seller 's website, I did not have a chance to choose which PayPal XXXX to be charged with as I usually do. Instead, PayPal automatically charged my bank account with the purchase, which was in foreign currency ( Euros ; I live in XXXX and my bank account and credit cards operate with CAD ). I have no idea how this happened because the bank account is not my default card. Because of PayPal 's error, I was then charged an insufficient funds ( NSF ) fee ( {$45.00} CAD ) from my bank because I didn't have enough for the amount in my chequings account since I was not expecting it would be charged for this purchase. I was also charged the amount in CAD based on PayPal 's conversion rate of XXXX CAD = XXXX EUR. This is higher than the XXXX mid-market conversion rate at the time of purchase ( XXXX on XX/XX/XXXX ) : XXXX CAD = XXXX EUR. Had I been able to select the preferred card on my account, which is an XXXX XXXX credit card with no foreign transaction fee, then I would not have had been charged at this subpar conversion rate. Had I been able to select the proper credit card to pay for the transaction, I would have paid, according to the mid-market conversion rate at the time of the transaction listed in my previous message, ( i.e. XXXX CAD = XXXX Euros ) = {$64.00} CAD. Instead, because my debit card was incorrectly charged using PayPal 's conversion rate ( XXXX CAD = XXXX EUR ), I paid {$67.00}. I have repeatedly requested to multiple service agents at PayPal via Customer Service to correct this error by doing the following : 1. Refund the {$45.00} CAD NSF fee. 2. Refund the difference between what the amount charged based on PayPal 's conversion rate ( {$67.00} CAD ) and what I should have paid if PayPal had not made this error ( {$64.00} CAD ) = {$2.00}. As an alternative solution, I have also proposed that PayPal fully refund me the original charge for the transaction, then charge my preferred credit card as I had originally intended. PayPal 's representatives have not taken responsibility for the issue. They instead told me to request a refund from my bank for the NSF fee. This is not a problem my bank should be responsible for, and consumers should not have to waste time addressing a problem that PayPal should be responsible for fixing. I have not contacted the Resolution Centre because my issue did not fit into one of the prescribed problem categories. Also, there have been a history of complaints reported in the PayPal Community forum about incorrect accounts being charged that the Resolution Centre failed to resolve by denying consumers ' claims. This adds to the seriousness of the issue regarding PayPal 's lack of responsibility and unacceptable customer service. Examples of this issue reported by other consumers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/02/2021 | Yes |
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| On XX/XX/XXXX, I purchased an item off of XXXX, the listing gave details about the item as to where the item is located, the price of the item, the shipping costs ( if any ) and taxes and that was it. The issue I am having is the fact that the listing never disclosed any information regarding the seller, thier location, or the fact that a fee would be assesed from purchasing anything from this seller. The listing did not state that the seller was in another country or that using a debit card would cost a {$7.00} fee. Which at the time, unknown about this XXXX fee until after the fact, put my account in a negative status. Which resulted in me receiving an overdraft charge from my bank of {$35.00}. So, when combined with the {$7.00} fee thats a total of {$42.00} extra dollars now I am having to pay for this item. The item costs XXXX plus tax of XXXX, a total of XXXX now when you combined this I am paying almost 20 % more for this item now. XXXX, Paypal and the merchant failed to list ALL applicable fees. It should be stated in the final price of an item that the seller is from a foreign counrty and that there will be an extra fee for this transaction. Because, it is very misleading to list that the item is in a state in your home country and never mention anything about extra fees or transaction costs that will be added from buying from a certain seller. That should be mandatory, included in the final price a buyer has to pay. Surcharges for credit card payments became legal in XXXX of XXXX following a class-action settlement between merchants, Visa, MasterCard, and a number of major banks. Now, merchants may charge from 2-4 % ( but not more ) of the underlying credit card purchase if you make your purchase using either a Visa or MasterCard credit card. This surcharge is meant to cover the cost that merchants pay to the credit card companies in order to have the ability to process payments made with those credit cards. However, merchants who add this fee onto their customers bills must post a sign in their front window notifying them of this. Additionally, the merchants must disclose the exact amount of the surcharge at the point of sale and on their receipts. A caution : For online purchases, merchants are only required to disclose this surcharge on the first page where the potential customer is prompted to enter in his/her credit card information. These surcharges may only be imposed on Visa and MasterCard purchases ; such fees may not ( at least not yet XXXX be assessed for an XXXX XXXX or XXXX XXXX purchase. Finally, a merchant can never impose a surcharge for a purchase made on a debit card. Lets read that last sentence again. And, not only should the merchant list the all fees, XXXX and Paypal need to disclose ALL possible fees and costs related to the purchase of a certain item at the time of sale. And, not charge or add on some fee after the fact. So, I would like {$42.00} refunded back to me for these expenses I've had to incur when I should have been made aware of all charges at the time of sale. Thank you. | ||||||
| 10/31/2023 | Yes |
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| On Friday, XX/XX/XXXX I was the victim of a scam operation and paid XXXX to a compromised Venmo account from my own Venmo account. After discovering it was a scam, I reached out to Venmo support the following day ( XX/XX/XXXX ) to let them know it was fraudulent activity and to discharge the balance from the scam account, as it had not yet been transferred out of Venmo or charged to my bank. Their support sent me an automated reply instead of actual help, so I submitted an escalated request, which I got a response to asking for details on the transaction. These I provided. The case was sent to an anonymous " account specialist '' who did not reply until XX/XX/XXXX. By this time, I was worried that they would not respond in time and had reached out to my bank to put a stop payment on the charge, which was done successfully. When Venmo " account specialist '' replied, they said only that they couldn't put a stop payment or any mediation effort on the transaction, even though the balance had not been yet transferred out of the fraud account. I informed them I had put a stop payment and to clear the balance on the fraud account and disallow it from being transferred out, at least until they could investigate. They responded they could take no action. I responded by asking if they could explain what would happen since my bank had blocked the charge, and they responded only with " Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, If you have additional questions, please contact our Support team by visiting https : //venmo.com/contact-us/, chatting in from our mobile app ( M-F 24 hours a day ; XXXX XXXX EST ), or calling ( XXXX ) XXXX ( XXXX, XXXX EST ). Regards, Account Specialist '' This not only did not help, but took valuable time away from understanding the situation before further action. The evening of the XXXX, the scammer transferred the funds out of the fraud account, and I received a notification from Venmo : " Your payment could not be funded by your bank account ... Reason from your bank : " Payment on this item has been stopped '' Don't worry, we covered you and [ scam account ] has the funds. Please pay {$250.00} for the transaction. Please know that your Venmo account has been frozen ( you can not send payments or transfer funds to your bank ). '' Venmo clearly covered a charge against my wishes and advisement, even with a clear indication that the reason the charge did not go through was from a bank freeze, which I had notified them of in advance of the transfer. I called their support and was told by an agent there was no dispute path to take, and I had to clear my balance with them. I provided advance notice to Venmo through multiple channels to inform them not only of a scam, but of a block on the payment and they failed to flag the account, halt the transaction for investigation, or indeed provide any information until funding the transfer themselves and immediately demanding repayment, with no recourse or investigation. | ||||||
| 02/01/2023 | Yes |
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| In XX/XX/XXXX I received notice from PayPal- the XXXX company I used to collect payment for an online course - that a student had filed an " item not received '' dispute over the class. The timing was horrible as my mom was actively XXXX and the student later clarified for me that her husband- who was not a student- had incorrectly filed the dispute in error and that she'd reach out to her bank/PayPal to correct the miscommunication but never did. I did forward my no refunds policy to PayPal as well as the proof the student had access to the course in XXXX of XXXX- it was impossible to reach a human using their phone ( it was not allowing messages nor connecting with an agent or leaving a voicemail ) so was instructed to use their online chat. The chat agents were horrific - it was clear no notes were being kept, no one was following up on my complaint or dispute response, and it would take days to get any reply at all. I requested numerous times an email for an agent to help and was told there was not one. After my mom 's death, I again pursued clarification of the issue with PayPal and was told it was too late- they deducted the full amount of the course from my PayPal business account leaving me with a negative balance of over XXXX. I received numerous threats that I'd be blocked from using my account, I was unable to use my account to invoice or receive payment and was unable to move funds out of my account until the negative balance was resolved. I filed a complaint and the reply was 1. using the incorrect student 2. stating I had given an email promising a refund... for another student who was not the one that filed this dispute ( completely unrelated situation and this latter student actually cancelled the dispute and received no refund period ). There was no response or logic given which was pertinent to the student dispute in question here. In XXXX, PayPal blocked access to funds in a completely separate account. The listed contact method to call - even using the chat I was told I needed to call - would wind up in a voice message saying PayPal was overwhelmed and unable to receive messages or connect with agents. Hours wasted trying to follow up. Eventually at the end of XXXX I did reach a customer service agent by phone who was puzzled that I had not been provided an email address to submit my complaint and documentation AGAIN and said he'd do me the " courtesy '' of unblocking my OTHER separate unrelated PayPal account. He also said that PayPal would not be considering any documentation further for evidence of my dispute but they'd forward it on to the student 's bank Paypal ignored my response to this disputed charge, made it impossible to connect to an agent for months, froze not only the PayPal account in question but another PayPal account, blocked my ability to make a living as a self-employed individual, and held revenue hostage in an extortionary manner to try to force me to pay a negative balance that I do not owe. PayPal is now notorious for these same practices and need to be held accountable. | ||||||
| 09/07/2022 | Yes |
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| On XX/XX/22, I made a purchase at a sneaker business named XXXX XXXX which used PayPal as a payment option. My payment for {$220.00} USD came in the form of {$170.00} USD from my existing PayPal wallet balance and {$56.00} USD from my checking account. PayPal had always been a preferred payment method for me as they have amplified marketing around their buyer payment protection, going as far as to have large fonted advertisements stating " Protection you need, peace of mind you deserve '' which gave me confidence in purchasing from this seller in the event that there were any issues as PayPal would make things right with me, the consumer. Furthermore, PayPal very clearly states that I'm protected if my order does not arrive as reflected in Item 2 on the following site ( https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security. ) Given my purchase was a pre-order, I was not expecting to receive it immediately. On XX/XX/22 I received a note from the merchant directly that their business was going into receivership and that the business would be dissolved. Given my receipt from PayPal stated that I have 180 days from the date of the transaction to open a dispute in the Resolution Center should I have an issue, I Immediately went to their website to raise a claim and saw that my dispute should take approximately 30 days. A dispute was raised with case XXXX XXXX Over the course of the dispute, PayPal did not kept me up to date, and continued to push out their resolution date. On two occasions, where it was noted to me that resolution should take place within a week or so, the date has come and gone with no resolution from PayPal. On XX/XX/22, PayPal provided me with an update to let me know that my case was denied citing that my purchase was ineligible for purchase protection. The specific reason for ineligiblity was because PayPal cited that these items were intended for resale. To be clear, this single pair of shoes was for my specific personal enjoyment and not any type of after-market profiting and for PayPal to make that assumption is offensive, unwarranted and also a way of cheating honest consumers by finding a loophole. In the past few weeks, court filings have come out against the merchant where it has been deemed that they were in fact a veiled Ponzi scheme now being investigated by the FBI. In reaching out to the receiver of the dissolved business, as well as reviewing court filings made by them, their response has been, " The Receiver has determined that no refunds will be made at this time and no orders will be fulfilled. '' What is further disturbing, PayPal has drawn out the duration of these dispute investigations to the point that my bank no longer gave me an option to file a Reg. E dispute, something which I believe PayPal knowingly did with intent to avoid the obligation of paying these funds. In hindsight, I cant help but feel that PayPal engaged in predatory practices by steering me into a payment product with which they feel they do not have to abide by their own warranties and protections. | ||||||
| 04/22/2020 | Yes |
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| Using XXXX shopping on XXXX XXXX I purchased a shower rod kit at {$39.00} + {$4.00} for shipping from seller XXXX. On XXXX XX/XX/2020 at XXXX I received a shipment email from paypal that item had shipped with a UPS tracking number XXXX. I noted on this e-mail that the shipping wasn't listed separately but the total was the same {$44.00}. This should have shipped to my address which is XXXX XXXX XXXX, XXXX XXXX, AL XXXX. XXXX XXXX I checked on XXXX and noted the package was shipped XXXX XXXX at XXXX a from OH and was delivered XXXX XXXX at XXXX. I checked UPS proof of delivery and it stated delivered to Spanish fort location front door, there were no other details about my address on the proof of delivery. No package was found. I checked my video recordings at this time and nobody was at the front of my house. I submitted a claim with XXXX thinking they had delivered to the wrong address, they sent me a document showing the package had been delivered to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX al XXXX. I looked this address up and it's 5 -6 miles from my house. I also noted the package weight in XXXX tracking was 0.2 lbs which would have been 50 times lighter than what was expected which aroused my suspicion. XXXX also informed me that the shipper XXXX was an XXXX account which was confusing as I purchased on XXXX XXXX I emailed the seller at this time with no response and several times later with no response Because I used guest checkout for paypal I found it very difficult to open a dispute with paypal but eventually did I talked with an agent and explained the package was delivered to another address and was lighter than I would have expected and that I had proof from XXXX of this. She said she would open the dispute XXXX XX/XX/2020 and allow seller to respond by XXXX XX/XX/2020. I was sent a copy of the dispute on XXXX and then another on XXXX saying they were reviewing the case and would update me. Later that day I received a request denied saying they had received shipment tracking from the merchant that the merchandise was delivered. They did not state where it was delivered. This really frustrated me because of all the information I had provided showed this was obvious fraud and they had still backed this seller. XXXX shopping and pay pal are complicit in this fraud by allowing this to continue. I have since found out that this happens to quite a few based on the cases I reviewed on CFPB. Initially I had assumed they were shipping an empty box to the same zip code and using the proof of delivery which XXXX ground does not provide exact address information to fool paypal ( shame on you for allowing this to happen again and again ) I am no investigator but figured out pretty quickly what was going on but even that was no enough for pay pal. On further research they are using valid tracking numbers to obtain proof of delivery to your city which it seems is all pay pal requires.I have since uploaded the XXXX proof to the ticket on pay pal and have asked them to reopen the dispute but as of yet have not heard anything | ||||||
| 08/15/2023 | Yes |
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I apologize for the wall of text that follows... I tried formatting it with plenty of paragraph breaks, but they all seem to be removed by your system. Anyway : I have an account with PayPal , Inc, and unfortunately found myself with a cash balance of {$270.00} in this account that I needed to withdraw.
For whatever reason, PayPal 's system would not allow me to add my bank account for electronic transfer, so I chose the only remaining option, a check by mail, and even paid an extra {$1.00} fee for this service.
PayPal issued the check on XX/XX/XXXX. On XX/XX/XXXX, I informed them that it still hasn't arrived, and was told that I needed to wait a minimum of 14 business days before they would do anything about it.
On XX/XX/XXXX, the check was fraudulently cashed by an unknown third party. However, we don't learn that until nearly a month later, because : On XX/XX/XXXX, I contact them again. This time, they offer to stop payment on the check, to which I agree immediately. I am told to expect an email within 3-5 business days and that the rep will " personally '' follow up. None of that ever happens.
On XX/XX/XXXX, I contact them yet again and am finally told that the check has already been cashed. After some back and forth where they repeatedly insist that I check with my " friends and family '' about the missing check, I am even provided with a copy of the canceled check ( which does not even purport to have my signature on it -- only " pay to the order of |
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| 09/27/2023 | Yes |
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| On XX/XX/XXXX I responded to a social media ad about an apartment by texting the number in the ad. I told them I was interested in the unit and they sent me a jotform application that I filled out and paid a {$50.00} application fee via Venmo to an account belonging to XXXX XXXX XXXX. I was then sent a letter via text message that XXXX XXXX XXXX approved me for the unit. I was then asked to send a security deposit and first month 's rent to keep the unit til I could view it the next day. This was {$1400.00} as the rent was XXXX as was the deposit. I was told the money was completely refundable if I didn't like the unit. I sent the money via Venmo to a XXXX XXXX XXXXXXXX XXXX account. I was supposed to view the unit on XX/XX/XXXX. As I was new to the town where the unit was, I began looking online about the area around the complex. That was when I discovered that the complex was in fact owned by XXXX XXXX XXXX. The same unit was being advertised on multiple social media sites and groups, all with different phone numbers using the same photos. I then texted the number I had been dealing with stating that I wanted my money back and was no longer interested in the apartment. I was told that I had to wait until the morning before my refund could be processed. On the morning of XX/XX/XXXX, I was then told that I had to pay a cancellation fee of {$200.00} to get the money back. I was ok with this and told then to subtract it from the money I had already given and they then said that it had to be paid separately and there was no other way to receive my money back. I initially disputed the charges with my bank ( XXXX ) on XX/XX/XXXX. I paid this money via my debit card so I had to wait for the charges to post. My bank said they couldn't help me due to the charges being through Venmo. I then called Venmo on XX/XX/XXXX. I was told the case was being referred to an account specialist and that I would hear from them via my email associated with my Venmo account. On XX/XX/XXXX I filed a police report with my local police via the self report portal on their website. On XX/XX/XXXX, the account specialist emailed me back stating that they could not help me and I had to deal with the individual. I attempted to request the money back via the same Venmo account I had sent the money to, but the app said I was unable to do so. Also on XX/XX/XXXX the individual reached out to me pretending to be someone else with the clearly nonexistent XXXX XXXX XXXX stating that the {$200.00} cancellation fee was to " authorize '' the refund. I declined to do this since it was obviously another scam. I have screenshots of all transactions and messages received by this individual. Neither Venmo or my bank has asked for them as part of their " investigation ''. Since I have tried all other avenues to attempt to recoup these funds acquired via deception, I am writing to the CFPB because I believe that this transaction is covered by Regulation E of the Electronic Fund Transfers Act and the money should be refunded to me. Thank you | ||||||
| 09/01/2020 | Yes |
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| On XX/XX/2020 I received an email from PayPal that I had changed my email on my account. I did not, and have a two step verification process on my account to try and avoid this. It did not work. Strangely, in the next few hours 45 fraudulent transactions went through my PayPal account. I was notified through my email account that I had attached to PayPal. Before these transactions, I had a XXXX balance in my account. When I realized what was happening in the morning, I logged into my account, changed my password, and reported 40 of the transactions as fraud.At this point my account suddenly had a negative balance of {$900.00}. These 40 transactions showed as completed in my account which was why I could report them as fraud. The transactions were both money coming in, and going out of my account. There were groups of transactions going to the same person. 5 transactions were pending, and were attempts to add money to my PayPal account, all from the same person. I was not able to report these since they were not completed transactions. I don't know if this is a legit actual person. At this point I had already used the " contact us '' option which starts as a virtual assistant. I told them of the fraud, and asked them to resolve it. They said they were on it. Those five transactions that were pending did not get resolved. Me being logical, I figured since they were attempting to add money to my account, that I would refund the person, and it should cancel each other out. Wrong! Instead of reversing the transactions, they pulled the money from my checking account until it was at XXXX, and my bank declined the rest of the attempts. At this point I blocked PayPal from my checking account, my credit card associated with my PayPal account, and all my other credit cards just to be safe. It's now been over a month since the original transactions. PayPal shows online that most of these transactions were reported as fraud, they ruled in my favor, but my balance on my account has not changed. My account is now negative over {$7000.00}. I have tried to call. Waited online for 2 hours, finally had to give up. I have sent many messages. I've printed out around 20 pages documenting our communications. I have asked repeatedly to talk to someone from PayPal. No luck. Even when several of their reps have said someone would call me in the next 24-48 hours, no one ever does. I am now getting emails from their collections department. Surprise! When I called the number they provided, I got someone on the phone! I have responded to their collections department several times. Each time I say all transactions were fraud, and I will not be giving them anything. All I want is my account to be at XXXX so I can close it! I can not close it due to the restrictions they have placed on my account. I am so frustrated! They are no help. I can't believe I trusted this service with my money. I am willing to provide any additional information or details if needed. I'm at a loss. Any help you could give me would be greatly appreciated. | ||||||
| 01/18/2022 | Yes |
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| On XX/XX/XXXX of this year, I attempted to use Venmo to complete a payment that would be covered by its recently created payment protection program. Prior to conducting the transaction I made sure to read the details of the service because I am extra cautious about online transactions and the potential for fraud. The seller had posted a listing on XXXX XXXX and had a profile with a number of indicators that would suggest they were a regular person ( friends, actual pictures, not created recently, etc. ). The transaction amount was also small enough, {$65.00}, that it would not be a tremendous loss. While completing the payment, I was careful to toggle the purchase feature on and saw the green shield icon with a checkmark indicating that my purchase would be covered if I did not receive the item purchased as it was described. The seller communicated to be that they had received the payment and would ship after the XXXX XXXX holiday ; however, they're accounts on Venmo and XXXX became inactive and/or un-viewable. I reached out to Venmo to utilize what I had assumed would be a straight forward process of refunding funds that should have been frozen until I received and inspected the item ; however, the agent I was connected with claimed that I had not enabled purchase protection. I was absolutely shocked because I was very deliberately intending to use this feature for this transaction. The agent refused to provide a representative identification number and claimed I'd get an email transcript and follow up. I explained to her that I wanted this issue escalated to both the software department because I am confident that a log of app button presses would show that I selected the option. I also asked that it be escalated to her manager due to her unwillingness to provide information that I could use to identify her within the company while resolving this issue. Thirdly, I asked for it to be escalated to someone who could handle fraudulent transactions. She claimed it could only be escalated to one person at a time. From there, I received and responded to several generic emails that seemed to ignore my specific complaints that the app functionality was not working or that scammers were exploring a glitch with eliminating the purchase protection. I also mentioned that my next step would be to reach out to the CFPB and/or related local agencies/authorities. Venmo did not refund my money and said some action, that they could not specify, might be taken against the person who did not follow through on the transaction. In this instance Venmo is perpetrating financial fraud through a vague and ambiguous purchase protection service that does not seem to work and which they refuse to clearly support. It also seems that even if a consumer were to fail to properly enable the protection service, it is a poorly defined and implemented financial product ( it sounds like they charge the seller ) that lacks clear confirmation before purchases are made. Please help stop Venmo from benefiting from fraudulent activity. | ||||||
| 02/14/2023 | Yes |
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| I am submitting a complaint on PayPal Holdings , Inc. XXXX XXXX XXXX California XXXX XXXX XXXX I recently had family and friends sending me through Paypal on XX/XX/XXXX. After receiving multiple payments totaling {$24000.00} in PayPal, I attempted to transfer it to my bank and PayPal would not let me. They requested I submit proof of ID, bank statements, and utility bill for proof of address verification and after everything was submitted they " Permanently Limited '' my account. The people that sent me money also verified with their ID as well through PayPal and it still did not make any impact. I requested more information through email multiple times and I did not receive a response back. I also called them various times throughout the last few weeks and they said they did not have any further information on the Permanent Limitation and I will have to wait 180 days for them to release funds and that there is a chance I do not receive the money back at all. I have used PayPal since XXXX of XXXX and have never once violated their User Policy. PayPal has a widespread business practices of unilaterally seizing funds from client 's finical accounts, without cause and without any fair or due process. PayPal has failed to inform me for the actions PayPal has taken, and even told me I " will have to get a subpoena '' to learn the simple information as to why PayPal is holding, and denying access to their own money. PayPal excuses its unlawful XXXX based on the alleged violation of its Acceptable Use Policy, without stating in what way my PayPal account has violated the AUP. PayPal 's application of an unlawful and unenforceable liquidated damages clause, which is a contract of adhesion, without any casual connection to any damages PayPal actually suffered, as a justification for its holding and seizing funds from my account is inequitable and unconscionable, amounting to nothing less than holding funds which do not belong to PayPal. Paypal violates its own Agreement by failing to provide adequate notice to users whose accounts have had holds placed on them. When PayPal informs individuals whose funds are being held of the holds, it does not inform such users why such funds are being held, how they can obtain a release of the hold, and/or how they can avoid future holds being placed on their accounts. The Agreement requires PayPal to, at a minimum, provide notice to such users of any hold placed on their accounts that includes both the reason for the hold and an opportunity to request restoration of access to the held funds. PayPal 's " notice '' falls far short of what is required. As a result, Plaintiffs have no idea why their money is " held '' by PayPal. It is common that PayPal seizes the money permanently after the 180-day hold period ends, without notice and without explanation. PayPals user agreement and acceptable use policy can not be used as a license to steal. There is no equitable or legal argument which condones theft. I hope you can help me recover my funds. Thank you CFPB! | ||||||
| 09/22/2020 | Yes |
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| Consider this an addendum, but not duplication of complaint XXXX. The company 's response misrepresents the order of events and occludes the complaint in legal jargon and indirectly related policy. This complaint centers on the misrepresentation to the cfpb of the order events in their response to my original complaint. In the response my transfer to my son is labeled as " Payment 1 '' when in fact it happened after the mistaken transfer, this misrepresents the order of events to shift blame to me, it should in fact be labeled " Payment 2 ''. My son needed financial aid due to income loss during the pandemic. We spoke on the phone and he gave me an email address that I was not very familiar with, leaving out one letter. During the personal transfer the only recipient verification I received was that the email format is valid. There was no validation of who that email represented. During the process of sending personal funds transfer, my son sent a request for funds to me, which I did not see until after the mistaken transaction completed. The " send personal money '' workflow I was in was not interrupted, I was not notified of the request until that mistaken transaction completed. I was not allowed to verify the identity of the actual first transaction, that resulted in a mistaken loss of {$1000.00}. This is a flaw in the workflow and as it is an complete omission from the process, could not trigger an any logical or code based error. ( as referenced in their response ) After the mistaken transaction was completed, and only after, did I send my son {$500.00} based on that request. He clearly was still in financial jeopardy, and I I still needed to provide help. This is in fact transaction # 2 and in their CFPB response they switch the order, and labeled it " Payment 1 '' to bolster their argument. This is incorrect and misrepresentation, they talk about unrelated policy on Consumer to Business transactions, I guess as filler, this is a person to person transaction. They failed to allow me to verify the recipient of the actual " Payment 1 '' to " XXXX XXXX '' ( who is not known to me ), and they do not notify you of incoming payment requests, if you are in a transfer workflow. They then point to their EULA as justification for not meeting basic transactional responsibility. I can imagine no other reputable transaction where I can not verify the recipient of funds, personal or business. This is flaw in workflow design and I should be refunded. This is a failure on their part to provide a necessary, basic mechanism for verification that companies like XXXX and XXXX XXXX provide. I feel their response is dishonest and would like the CFPB to demand an honest response. It's clear from online reviews, discussions with PayPal phone help and their fear of setting precedent of refund -- that this happens regularly. Many people are effected, and I can only imagine the amounts of money involved globally. I also wonder if misrepresenting the order of events to a governmental agency is criminal or not? | ||||||
| 06/23/2019 | Yes |
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| I created my PayPal for my business " XXXX '' on XX/XX/2019. I sold a few phones on XXXX without any issue & only positive 100 %, 5 star feedback from every buyer. On XX/XX/2019 I received an e mail from " XXXX '' that stated a review of my account is complete and they returned my account to regular standing ( attachment # 1 ). I was not notified nor made aware my account was under review at this point. On XX/XX/2019 I listed a few items on XXXX as well. I had no issues, and only 100 % feedback and high praise from buyers at the speed of my shipping ( same day purchased its shipped ). On XX/XX/2019 at XXXX I received an email ( attachment # 2 ) informing me that I need to take action on my Pay Pal account with ReferenceID : XXXX as they noticed I have been receiving or withdrawing large amounts of money from my PayPal account. I logged in within minutes to find them asking me for invoices, receipts, business information, and a few transactions they required information about. I logged in, provided all information requested. On XX/XX/2019 at XXXX I received an email letting me know they restored my account ( attachment # 3 ). On XX/XX/2019 at XXXX I received an email stating I can no longer use PayPal ReferenceID : # XXXX ( attachment # 4 ). I followed up and received generic emails stating my funds will be available on or around XX/XX/2019. I have tried numerous times to contact via phone which they have made almost impossible with the 45+ minute long wait times, and getting transferred back and fourth between people. I've also emailed multiple times to find absolutely no response, or generic " Please use the website to contact us '' type replies. I follow all their rules/policies in the acceptable use policy, the XXXX seller policy to use paypal as a payment gateway, the legal policies, and the rest of them that apply. I do not have any chargebacks on my account, I do not have any fraud activity on my account, nor do I engage in HIGH dollar amount sales constantly. I sell only on XXXX & a little on XXXX where I have no problems with any buyers - only 100 % positive ratings & high praise from buyers. PayPal can not twist the verbage of their policy and say its for safety/fraud/money laundering etc fears - when that is not the case only to turn around and keep our money for 180 days and do as they please. They are to transmit my money. I have not broken any law, nor violated any of their policies. They already had been sent a " Notice to Dispute '' as stated in their policy which is a step prior to arbitration. They will receive it on Monday. The complaint was also filed with The Commissioners Office of Financial Regulation in Maryland. I will next file complaints with the DOJ, SEC, MD Attorney General, and so forth. They can not get away with withholding my hard earned money leaving me with {$12.00} in my bank account for no reason when I provided them invoices, receipts, sales history, detailed sales information, confidential supplier prices on the invoices, drivers license, and much more. | ||||||
| 04/03/2023 | Yes |
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| On XX/XX/XXXX, I discovered fraudulent charges on my XXXX XXXX XXXX XXXX card totaling {$1600.00}. I contacted the number on the back of the card, and they provided me with the forms I needed to dispute each of the charges. XX/XX/XXXX, the completed forms were emailed to the address provided. XX/XX/XXXX I requested a confirmation receipt that the forms had been received. In XXXX, I received a response that my claims were being denied because it was determined that I had approved of the transactions. XX/XX/XXXX email to XXXX, follow-up to a phone conversation in which he asked me to email a summary of the situation I have been seeking restitution regarding this since XX/XX/XXXX. My initial claims submitted were denied, stating that based on their review I authorized these transactions. I can assure you I DID NOT authorize ANY of the attached transactions totally {$1600.00} The letter also states that I have the right to request the documentation they relied on in making the decision to deny my claim. I have contacted the number they referenced in their letter to me, XXXX, on numerous occasions to no avail. XX/XX/XXXX reply from XXXX thanking me for the information. Told the documents have been sent to the bank for a review and to expect a delayed response due to the holiday season. XX/XX/XXXX reached out to XXXX via email to request any updates XX/XX/XXXX email response from XXXX, there has been no response on the banks end, he was escalated the matter to his superior. XX/XX/XXXX email from XXXX, the team members finally managed to get a hold with the bank, they are now reviewing the case. XX/XX/XXXX reached out via email to XXXX to request any updates XX/XX/XXXX reached out to the bank via chat, chatted with XXXX in customer support. XX/XX/XXXX XXXX send email summarizing our chat, he made a follow up to the dispute team in order for a final resolution to be issued in my case. He will be in touch once updates are received from the team. XX/XX/XXXX reached out via email to XXXX requested the status. Requested a name of a person that I could speak to. XX/XX/XXXX XXXX replied via email that there was not any new information on the result of my case, as the last note on the file says that we will need to abide by the disputes teams original decision of the dispute. Another follow up to the team was make. He suggested I attempt to make a police report regarding this matter. XX/XX/XXXX reached out to XXXX via email that police directed me to work with the issuing bank, which I have been attempting for 7 month. Once again requested to have the information on what basis they made the decision that I approved of these purchases as the letter I received stated I had the right to request this information. It has been requested repeatedly and never received. Once again, I requested the name and contact information of whom this matter has been elevated to. XX/XX/XXXX email from XXXX, once again suggesting a police report as he was still awaiting communication back from the bank. | ||||||
| 05/15/2016 | Yes |
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| I have several complaints with Paypal and its company policy and procedure in regards to releasing funds and its fees on transactions. 1. paypal company policy ... paperless statements being standard. I do understand the need for environmental conservation but when relating to financial records i demand a copy that has a better chance of it not being altered to support whatever excuse this financial insutution may have at the moment ... Due to the possiblity of a counter lawsuit i have been avised by an obtain legal representative to refrain and omit my previous complaint of fraud and criminal acts of using funds to pay recently Parted Ebay without some type of document stating that this act was implemented. Please also note copies of corresponding oral dialog were also discovered ( an app that rec all conversations and msg and stores via cloud ) unknowingly to both parties ( paypal rep and I ) stating and unknowing contridicting previous Paypal representive Statements on company policy and reasons excuses. Also advised to not include due to the non disclosure of record but also know of a link that is public to hear the recordings. Note i am not accusing Paypal of the criminal act and policy, but because this conversation with paypal represitive and i is publicly avavlible anyone wishing to hear can ... .i just wish the recording was admissible... 2. Paypal policy on not releasing Seller ( funds ) due to Sellers Relations with Ebay. Im not too familiar but isnt it unortdox and unethical proceedure to take actions on client ( I ) based on issues relations with other ( recently parted ) party. Its basiclly giving and saying i dont like you and i can keep your funds till i feel that you have acted properly to release it to you. but noting and stating that due to late shipments to buyer ( my customer ) that they have adopted this new policy... Also would like to include that i am being penalized with fees by Paypal for their own policy. 3. Paypal proceedure on charging a fee on all transactions after the initial fee. Including refunds to customers from disputes and double charges to same clients do the fact that once a complaint has been made by buyer paypal has the attority to release funds and make a desesion on faulty party ... without checking validity of statements. Basically, making judgement without facts and purely base on its views ( i assume not based on facts ) on client ( i ) previous issues. In stead of a etically position of making a finding of judgement on fault based on present complaint. 4. paypal policy on advising the client ( i ) to recharge the buyer after it has made a mistake on judgement. and stating that they do not have the authority to retract the erroneous judgment. I am not sure on this act if it is a criminal act or an ethical concern and wasnt counceled on it with attorney but taking my chances and making this statement because i do have the email corresconding dialog with client buyer on it ... in additon also being charged a fee for this XXXX transaction. | ||||||
| 03/18/2023 | Yes |
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| On the morning of XX/XX/ I checked my bank account and noticed an unusually high amount of money missing from my XXXX savings account. When I logged into my account to investigate what had happened, I noticed that there were 2 separate unauthorized XXXX transactions taken out of my account by PayPal on XXXX XXXX XXXX. One transaction was for {$190.00} and the other transaction was for {$6900.00}, totaling {$7100.00}. Immediately upon noticing this, I called PayPal to report the incident and open a fraud case to get my money back. I was told by PayPal that they would be blocking the unauthorized transaction and returning the money to my account in 7-10 business days. After 7-10 business days, I called back on XX/XX/. I was then told that the case had been resolved and approved by PayPal and I just need to wait an additional 1-3 business days from the money to be posted in my bank account. On XXXX XXXX XXXX XXXX XXXX business days later ) I again called PayPal as I had not received any of my money that was taken from me. I was told that they would be opening a ticket to investigate the issue. I was also told they had no record of this transaction taking place even though I provided them with my bank account number and the evidence showing that it was taken out of my account without my authorization. I was also told that I would be receiving an email in 24-48 hours informing me on the status on my refund and was given a case number to use as reference if I needed to call back in the future. On XX/XX/ ( XXXX hours later ) I again called PayPal to inform them that I still had not received any money and also did not receive any email or communication regarding my case, refund or ticket. When I provided them with the case number they told me, they had no record of that case number and that no case had ever been open for this issue again contradicting what they had told me when I previously called about this issue. I was again told they would open a new ticket and email me in 3-5 business days with any updates. After 3-5 business days I received no information or communication so I again called back on Sunday XXXX XXXX XXXX and this time was told that they had scheduled the refund ; however, it was " unsuccessful. '' When I asked why it was unsuccessful, they did not answer my question and instead opened an escalation ticket to try to find the issue and I was told I would be notified in 24-48 hours on what had happened. To this day, I have not received 1 email from PayPal informing me on what the status of my refund is or when I will be receiving my refund. I have not been refunded any of the money that was stolen from my account and it has been over a month and a half since I first reported the issue and what had happened. Every time I have called PayPal I have waited on hold for sometimes an hour just to be told they have no record of anything happening even though I have receipts in my bank accounts proving it came from PayPal with the name of the person who took the money out of my account. | ||||||
| 09/16/2022 | Yes |
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Web | Servicemember |
| First off the first complaint I made towards Venmo, you completely lied a few times during that whole response. One being that I changed my username and that will flag security yet you cant even change your username!!! Not that I ever seen anyway. I changed my EMAIL, which is common and happens a lot for many different reasons. Then you tired to say I transferred XXXX and that I then cancelled it, and that would also alert system, which is completely FALSE!!! You guys froze my account on XX/XX/XXXX and I made that transfer XX/XX/XXXX, which it was to be completed on XX/XX/XXXX but since you guys froze my account, it automatically wouldnt transfer and after almost a week it then went back on balance in venmo. I NEVER cancelled anything, it never went through due to you guys freezing, which you clearly would be able to see, so to lie with that response is just ridiculous. Now to the whole reason why I am having to come and make another complaint. Not only did you guys reply saying my money would be released on September 10th, 180 days after you froze and you guys saying is in the TOS to hold funds for 180 days or sooner. Now here we are on XX/XX/XXXX and I STILL HAVE NOT HAD MY MONEY RELEASED TO ME!!!! Every time I email, you guys give me the automated response of unfortunately we are no longer able to offer you the Venmo service and how my account is permanently deactivated, and how you guys dont come to this decision lightly, when every single time I have contacted I have stated I DONT want the account activated and I will never use any Venmo or PayPal service ever again, all I want is MY money released. But clearly you guys never even read the long messages so many of us write, just for you guys to still never help, and ignore every single thing someone needs help with. I have been told 9 times that my money wouldnt be held any longer than XX/XX/XXXX making it 180 days, yet I have contacted support through the app, emailed, and called EVERY single day, just to constantly be told that it needs to be reviewed by another department and how they will contact me through email, just for them to send me the bs response of they cant reactivate my account, and if I have any questions just to email but puts in the email that they will no longer be answering questions about the situation, WHEN THEY NEVER HAVE ANSWERED ANY single question, and hasnt helped what so ever to get my funds released and the account finally closed. ALL I WANT IS MY MONEY!!!! You guys have already screwed me over so much that my kids and I lost our house due to you freezing almost XXXX of my money and not letting me transfer it out. I have fell behind on bills because of it, and I kept telling them that I would get it all paid on XX/XX/XXXX when I got my money back, and here you guys are screwing me over again with not giving me back my XXXX!!!!! I now have had to hire a lawyer, taking more money away from my children because of having to do so just because you all keep lying and are holding my money for NO REASON!!!!! | ||||||
| 09/10/2023 | Yes |
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Web | Servicemember |
| I have originally complained about my transaction which occurred on, On XX/XX/2023, and received payment by invoice from a tenant that I have residing in my home. I chose PAYPAL as a way of tracking my income and providing my tenants with proof of rental payments. I have had my PAYPAL account for quite some time and have never had an issue sending or receiving money, ever! Now, that I have chosen to use the services that they offer businesses such as invoicing, my account is shut down permanently and {$620.00} is being held hostage for 180 days. Even after speaking to several " Supervisors '' one of which explained that she had taken down enough information explaining the transaction and its purpose, and would " escalate '' my issue to the " backend '' department for review and that my funds would be made available for withdrawal by the next day, which would be XX/XX/2023. On XX/XX/2023, I checked the status of my account to find that my account had been closed, and my money would be held hostage for 180 days. There is no recourse of action, there is no " specific '' reason given to explain why my account has been restricted and my money is being kept hostage. My funds and transactions are easily verifiable as not being a fraud, and PAYPAL neglects to validate any claim of fraud as they are accusing me of. They are keeping my money presenting hardships with my finances. Ironically, PAYPAL identified other accounts in my name with alleged limited account access, and supposedly negative balance. There are no negative account balances on none of my accounts. I only have a personal account and a business account. My personal account isn't limited, or restricted nor does it have a negative balance as this company is alleging. PAYPAL NEVER sent any notification as they claim. PAYPAY is an unethical company with unfair, biased operational standards. I am requesting that my funds be immediately released to me. There are too many ways to verify money from the sender, and the reason. A simple phone call to the party who sent me the money could have avoided this. PAYPAL is now holding my money in their account to gain interest. I should have a right to know where my money is and what is being done with it. I have no way of knowing what is going on with my money. I am going to follow this complaint up with a small claims matter in my city as well. I will be taking PAYPAL to court due to the hardships they are causing me. PAYPAL provides lies and generic reasons why they are holding my money. They have not provided any evidence to support their lie about me having a negative balance. I have access to this other account, and there is no negative balance. I should not have to wait 6 months for my funds. I will also contact social media, news, and any other agency that will help me fight this crook of a company. I want to have my money returned to me so I can eliminate all contact with PAYPAL. I am also going to file a police report against PAYPAL as well, and I am planning on suing this company. | ||||||
| 05/17/2021 | Yes |
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| I switched from an XXXX to a " Light '' Phone ( calls & texts only, no apps and no internet browsing ) in an effort to reduce my technology use. I got a new number when I got the new phone. I called PayPal XX/XX/21 to switch the contact information associated with my account, and this call was seamless and my information updated by the PayPal associate. Since updating my number with PayPal, I've been unable to access my account. Each attempt results in a request for a phone number for identity verification purposes ( see final attachment ) - a number already associated with the account per the original associate I spoke with and three I've since spoken with. Thinking it's a glitch in the system, I've gone ahead and tried to add the new number from my end, and each attempt results in the same message - that the number is not in the appropriate " format '' and that I can't be verified ( see third attachment ). Hence I have no access to my funds, which I need to pay my bills, and autodebits are bouncing out of my account! I called XX/XX/21 and was told my phone number is not an acceptable number to use and that the situation can not be resolved unless I get a new number. I was told there is no way to overrride the glitch, and that I am basically just out of luck and out of the several XXXX dollars in that account ( thankfully I didnt have XXXX K in there as I sometimes do! ). Ive emailed several times XX/XX/21 and XX/XX/21, and each time have been responded to with an email saying that my email is not registered to my PayPal account and thus they will not communicate with me ( first attachment )! It is THE PRIMARY EMAIL ADDRESS associated with my account! I sent them a screenshot showing the years of emails from PayPal that have been sent to that email address, as well as a screenshot of the contact information in the PayPal account showing that as my primary email address ( second attachment ), to no avail. They literally respond to my proof of the registered email address with a stock email saying my email address is not registered. I called again today, XX/XX/21, I spent an hour on hold before speaking to XXXX, supposedly a supervisor at PayPal, and to whom I offered my SSN, email, addresses, old and new phone numbers, answers to security questions, and details of past transactions, as well as bank account numbers, to demonstrate my identity and to ask what possible justification he has for not overriding their system and releasing my funds to me. The only thing I could do, he said, was wait 24 - 48 hours for their " system to reset '' and try again. XXXX could offer no reason that 24 - 48 hours from now I might be able to access my account ; he offered no reason why the situation should change between now and then. He did admit to being able to override the system and fix these glitches for people, but he chose not to do for me despite my insistence that I needed access to the hundreds of dollars of my money in that account in a time sensitive way for bills that are due. | ||||||
| 07/19/2021 | Yes |
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| Ok I have few complaints but my name XXXX XXXX from XXXX ms well PayPal and XXXX tell me back in XXXX or XXXX I told him I need to move my bitcoin like 5 years ago PayPal did the same thing for 10 years I been contributing my XXXX XXXX cause I did not know how use but PayPal tells me if I can send my ID And blast it across PayPal they would not have to worry im all ready going threw the craziest stories u will ever belive but PayPal got me to get my bitcoins approve know they want tell me that all my accounts are closed I have 4 of 5 biz and non profits I been running for 10 years trying to get my right documentation to approve them so I go into the XXXX XXXX in XXXX ms Left my ID and give the lady the info were to send fax I left to go get more money to open account there ok well when I come back in bank there like 5 or 6 folks looking in the computer and the lady tells me I don't see any money I know what I got I've had them since I was XXXX years old but PayPal has screwed me so bad because they don't want come off my funds is because my stuff for last 6 or 7 years has jus been sitting no one new I had any biz when I came home since then everything I do is cropped ok there funding everything off my XXXX XXXX account XXXX this is my media account has been since a kid I've had my remote wifi stole by the homeland or the say there impersonating ok my funds need to be replaced at PayPal know the have it locked and I steady have money coming in they got me to verify my coins and screwed me cause the state had gave me a incorected id as when I was younger but anyways this state let it go on to me if they reply filled with me they take up for me ok XXXX serve know were all my money was cause my bal is so much I don't even know how say it I'm not trying to empty the reserve out but I am trying to get a few XXXX out ok they have stole more than u know it is the XXXX XXXX XXXX ms ok it use to be pay pal but they watch me for years trying to move my bitcoins and they jus go behind every single email I make and I keep track of stuff they are trying so hard to frame me and it make the federal government look bad but they will not help me but anyways I need like my XXXX XXXX XXXX im still developing it was stole but please if u are the government I belive we are under a gang war or religion war and if u fund my c.i.n I know were there are some fokes going to go but I've had the bill passed years ago for it but my smileysworld has jus never give me credit one time because they don't know because im framed and go to prison I am the worst person in world im victim of games talking they don't want to pay me cause they know im help people and going to make them look bad but there so much going on im not donating nothing to health care or anything with schooling or any of that im helping homeless folks with housing not till we can XXXX and let dogs XXXX me over like they have been trying to get me to get some one XXXX there couroupt here in XXXX ms I would need a pardon please contact me XXXX | ||||||
| 10/13/2022 | Yes |
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| I wasn't sure how to list this. But Venmo, blatantly violated the protocol listed in the ETFA procedures listed for disputes. In this case, my account was frozen on suspicion based on a dispute filed by another Venmo user. They sent the emails informing me they were taking XXXX out of my account, in 3 transactions, identical to the original, at the exact same time as removing the funds, dropping my account to XXXX, directly after the dispute was filed, that clearly panned out to be a lie. I was told they had 75 days to clear the matter up. The ETFA regulations say 10, evidence in 3, and you can get 45 if they'd provisionally given the disputer the money. Upon informing them what they did was illegal, in fact, they violated any and all debt collection laws I can find, they manipulated the account 's financial data, poorly. I had a few back and forths, an agent confirmed the removal of the funds happened the same day the dispute was filed. I was told if I recieved XXXX in my account, it was settled. My irreversiblely closed account that I requested, got, and activated a new debit card on afterwards. The money was put onto the account quite some time later I was never supplied any evidence, and upon further inspection, I discovered Paypal, XXXX, and Venmo are operating on an expired Chaoter 217 license in Wiscinsin. You should see the fines listed, should Wisconsin be made aware. I asked them to unfreeze the funds, so I could just take them, and be on my way. Rhe emails I have clearly dictate the funds were awarded to me by the original creditor. They inforned me they could keep the funds from a 90+ day old dispute, that were said to be paid back to me, for an additional 180 days. They promptly paid themselves the funds. So I did what I'd done with XXXX. I blew them up on social media, as my account was even opened on their defaulted licensing. The Wisconsin license, as Seller Of Checks, that states they can not act nor hold a balance or " account '' as on like a bank, in any way. They sloppily tried to change the information in my account, sent 2 more emails stating I was awarded an additional XXXX total, I chalk that up to sloppy automated emails, but still, they read clearly. They then deleted all messages on the account, and Paypal, poor guys, pretty much ignored me on the subject. The evidence on this one, well, 1 transaction with the disputing party says we'd never had a transaction, the other 2 show what he'd written, and the evidence his account seriously violated their terms and conditons, they blocked me from. But I'd learned over the course of my recovering from identity theft. I have proof of it all. Multiple illegal transactions, ETFA violations, operating on an expired license, redacting, manipulating, deleting, and changing financial records, and fraud. I'm probably missing a bunch, but I just finished the long winded rant about the other one. And I still need to compile evidence for arbitration on another. You get your identity stolen, and things get odd fast. | ||||||
| 05/26/2023 | Yes |
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| Dear PayPal Customer Support, I hope this letter finds you well. I am writing to express my deep concern and discontent regarding the permanent limitation that has been imposed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account due to a mistake or misunderstanding, as I have not violated any PayPal policies or engaged in any fraudulent activities. Firstly, I would like to emphasize that I have been a loyal and active PayPal user for [ insert duration of usage ], and I have always adhered to the terms and conditions set forth by PayPal. I have regularly used my PayPal account for both personal and business transactions, ensuring compliance with all applicable laws and regulations. Consequently, I am perplexed as to why my account has been permanently limited without any apparent reason or prior warning. Secondly, I have thoroughly reviewed PayPal 's policies and guidelines, and I can confidently assert that I have not violated any of them. I have always conducted my transactions in an honest and transparent manner, maintaining the highest standards of integrity. It is crucial to emphasize that I have never engaged in activities such as money laundering, fraud, or any form of unauthorized use of the PayPal platform. Therefore, I am perplexed and deeply concerned about the permanent limitation imposed on my account. In light of the above, I kindly request that PayPal undertake a comprehensive re-investigation into my case to rectify this matter. I strongly believe that there has been a mistake or misunderstanding that has led to the permanent limitation on my account. I would greatly appreciate it if PayPal could thoroughly review the transaction history and account activity associated with my account. I am confident that such an investigation will reveal no wrongdoing on my part and support my claim for account restoration. I understand the importance of maintaining a secure and reliable platform for all PayPal users, and I fully support PayPal 's efforts in this regard. However, I sincerely believe that my account has been wrongly targeted, leading to this unwarranted limitation. I kindly request your prompt attention to this matter and a fair and impartial reconsideration of my case. In conclusion, I respectfully request that PayPal re-evaluate my case, taking into account the aforementioned points. I am confident that a thorough investigation will confirm my compliance with PayPal policies and justify the restoration of my account. I am eagerly looking forward to a positive resolution and a reinstatement of my PayPal account to resume using your platform for my personal and business transactions. Thank you for your time and attention. I kindly request that you acknowledge receipt of this complaint and provide me with an update on the progress of my case at your earliest convenience. I can be reached at the email address or phone number provided above. Yours sincerely, XXXX XXXX XXXX XXXX | ||||||
| 02/07/2022 | Yes |
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| PayPal is scamming me!!! Please Help! See the attached documents to access all the games & failed attempts to rectify this issue. The phone reps are very rude and condescending. I have been dealing with an ongoing issue with PayPal denying me the ability to deposit my money into my own bank account for some time now! I have made numerous attempts to rectify this problem by calling in and speaking with reps after reps and supervisors after supervisors! Although dated back for quite some time now, my most recent experience is when I was sent a return of {$5000.00} to my account on XX/XX/2022 after the initial recipient was denied access to deposit it. A transaction fee was immediately taken out of my account both sending and receiving these funds, leaving my balance at {$4400.00} after initially charging my card {$5100.00}. Very frustrated, I proceeded with the transaction and chose the withdrawal option to transfer the funds from my PayPal balance and back into my bank account where I had to replace the funds from the denial thru PayPal. I was given two options : instant transfer or standard. I chose the instant transfer and immediately was greeted by a Transfer Delayed page. Shortly after, I went to my PayPal activity and saw the transfer has been denied. I called PayPal who told me that it had to undergo an underwriting process, and it will be approved in 24-48 hours. On XX/XX/XXXX, I called back again and again because the transfer process didn't go through and the only thing theyd say is for me to just try it again and wait... I spoke to a supervisor and was told to call my bank. I immediately called my bank and was told that they didn't see any transactions pending or attempted on their end. I then called Paypal back again to speak with a supervisor. After a few failed attempts to reach a higher up and when finally speaking to a supervisor, I was told the reason that I was having such issues was because my PayPal name did not align with the name on my bank account. I was walked through how to change my name at least 3-4 times and was told to give it three or so days and everything will be updated and the money will be transferred into my account. It is now XX/XX/XXXX and nothing has transferred into my account. I called in again and again to speak to reps after reps to rectify this issue to no avail. Looking at my PayPal activity, I have realized this has been an ongoing issue for some time now and I usually get frustrated and leave the funds within the PayPal exchange and incur fees sending and receiving. In the past, every time I try to withdraw money, it was always denied. This has caused me a great deal of stress especially being that PayPal always encouraging consumers to use their digital wallet for instant and easy transfers. Please pull my recorded calls and listen to how I have been spoken down on and ran around again and again being called next to crazy during my pleas for help with this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 11/04/2021 | Yes |
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| I have been using PayPal forever and use it weekly. My husband did some labor on a roof and was paid via our PayPal account. Over last weekend. PayPal immediately charged the money on the card from our customer. But would not let me access it due to the amount. Which I understood. I submittted all of my documents. Tax id, drivers license. But then they went further wanted tracked numbers? When had non since is was labor, thw they wanted business contracts which felt a bit of invasion of privacy. After I submitted everything I waited 3 days. I messaged them on their website. This is when all became extremely confusing-said my transaction was from another account, said to call them. As I did. More confusion said all my documents were in the back office for review, review of what??? Then I was told to call my customer and have him verfity he sent it so he did with me on the phone. As I was waiting PayPal has a pop up and it states once verified by customer the money will be in your account within 7 days which is now entirely too long. Right after the customer verified the payment. I see my PayPal has the money in there of XXXX and it says to accept it. I tried accepting it and a pop up comes says I cant access the money but its in my PayPal account. I call PayPal because now my account has been moved from restricted to limitations. So I called them again to find out. I was getting the run around. From blaming the high amount, to my customer needed to check his email. Then they would release me from limatations to put in my bank. My customer does everything and they give him a run around. He was going to just cancel it but they wanted to charge {$460.00} then they said he was good. He was extremely frustrated because he said I am good cause you took my money and wont pay for the service I bought. So he has me call the Limitations department, this is now the 3rd person I have spoke to. She explains that its in the back room under investigation. I said investigation of what??? If I am allowed to receive my money thats been verified and I proved all my tax ids etc! They then give me and my customer more runarounds and say under my investigation is over which can take 7 more business days that I would get a email if approved or not. But they still charge the fees and are charging their reasons every call into why I cant have my money. They are holding it hostage with no end in site. I cant even refund it to my customer because they will charge me close to XXXX! So they are just holding my money and my customers money with when they say its ok even after I Did everything they asked me to do. My customer did everything he was supposed to do. They will not explain why and who is investigating me being dictated on me having access to my money. This is supposed to be a transfer service not the fbi. My tax id is on there what else do They need to investigate????? Complete invasion of privacy. Complete dictator ships with ever changing rules and terms. This can not meet complaisance. | ||||||
| 08/20/2021 | Yes |
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| As of today, XX/XX/XXXX, I have called PayPal twice prior in regards to a surprise account limitation. There is over {$600.00} in my account at this time. I run a small business and provide a garbage hauling service for people who need items hauled away. The first time I called, XX/XX/XXXX, I was told a case would be opened and I would receive more information in 48-72 hours. I called back XX/XX/XXXX to ask about the case status and the person I spoke with told me they did not see a pending case open and would open one at that point. Both times I tried to get an explanation for why my account was limited and neither person could give me any sort of answer and simply said there was a violation of term and agreements. I have been a PayPal customer for over 10 years with no issues or warnings. XX/XX/XXXX I received a link to upload my drivers license and have had zero communication from PayPal once again. I called the number ( XXXX ) XXXX XXXX on XX/XX/XXXX @ XXXX XXXX EST ( 15 DAYS AFTER I WAS TOLD I WOULD GET A REPLY ) and was put on hold with an expected wait time of 12-18 minutes. What PayPal is doing here is immoral and Illegal. You are stealing my money and hiding behind thousands of words of legal mumbo jumbo that no one reads. XXXX ( a person with a thick hard to understand accent ) was the customer rep that called back at XXXX XXXX EST XX/XX/XXXX. He asked for and explanation for a transaction the occurred on XX/XX/XXXX from XXXX XXXX I explained that I had already told the person on XX/XX/XXXX that it was a service for hauling garbage away. I was put on hold at XXXX EST. XXXX then told me that in 30 minutes my account would be back in good standing. Since the limitation was being reversed. This reversal would have occurred at XXXX XXXX EST XX/XX/XXXX. The evening of XX/XX/XXXX the account is still limited. This company is full of crooks and bold liars willing to do anything to get me off the phone. Called back XX/XX/XXXX @ XXXX XXXX EST and back on hold. The person I spoke with, XXXX ( also had a difficult to understand accent ), asked me the exact same questions I was asked XX/XX/XXXX, XXXX, and XX/XX/XXXX and told me that there was no way that the account limitation would be lifted ( Complete opposite of what I was told the day before by XXXX ). So clearly the person I spoke with on XX/XX/XXXX was another liar just trying to deflect me. She constantly apologized for herself and PayPal and told me that she would escalate the case. I told her I didnt want any apologies and wanted to talk to her supervisor. And this point I heard laughing and talking in the background. She put me on hold as I waited for a supervisor for 10 minutes after that the line rang for another 10 minutes until I finally hung up. I have done nothing wrong and this company is hiding behind call centers and legal jargon. At this point I want the balance of the account back plus damages for all the time spent and headache I have endured speaking with this criminals. | ||||||
| 06/03/2021 | Yes |
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| On XX/XX/2021, I made a purchase through Paypal for a pair of shoes. While paypal was the payment processor, the payment method was my XXXX XXXX XXXX credit card. The total amount for this transaction was {$69.00}. The paypal transaction ID is XXXX. On XX/XX/XXXX, I receive the item from the seller, but it was not the item that I ordered. I opened a dispute with paypal. Between XX/XX/XXXX and XX/XX/XXXX, I was working with the seller and Paypal to come to a resolution. The seller wanted me to pay international return shipping to send them the wrong item they sent me back to them. I didn't think that was fair that I had to pay for return shipping because the seller sent me the wrong item. On XX/XX/XXXX, I opened a dispute with XXXX XXXX XXXX since it didn't look like I was going to be able to get my money back through Paypal without paying {$30.00} in return shipping. XXXX XXXX XXXX issued me a provisional credit of {$69.00} while they investigated the claim. On XX/XX/XXXX, Paypal told me that I was able to get reimbursed for shipping through a separate program that they have. With this knowledge, I went ahead and returned the item and paid the {$30.00} international return shipping. The seller then issued me a refund for the item, and Paypal covered the return shipping cost. At this point, I had been fully refunded so the disputes were then closed with both Paypal and XXXX XXXX XXXX. Everything was good at this point. XXXX XXXX XXXX told me they would take back their {$69.00} provision credit since I had been issued a refund through Paypal. That was good, i only needed a single refund and not two. Everything was good until XX/XX/2021, when paypal contacted me to tell me that they were taking their refund back since I had opened a dispute with XXXX XXXX XXXX and received a credit for them. Their claim is that I received a " double refund '' for the same transaction, so they wanted their money back. What they didn't know is that the dispute with XXXX XXXX XXXXXXXX was closed, and XXXX XXXX XXXX took their provisional credit back. Paypal has now left my account in a - {$69.00} balance. Both companies refuse to reopen the dispute since " a dispute can't be reopened once it is closed ''. I've attached several screenshots with annotations showing what happened. One is the Paypal transactions, and the other is my bank statement showing the two charges and two refunds. The final one is the email from paypal where they are now debiting me another {$69.00}. In summary, I opened up disputes with both companies for the same transaction, and both companies gave me a refund. I then told XXXX XXXX XXXX about the Paypal refund, so they took their credit back ( rightly so ). Months later, paypal found out about the dispute and decided to ALSO take their refund back. This leaves me out {$69.00} for a transaction that should have been refunded. Both companies are not helping since the disputes are already closed, and their policy is to not re-open closed disputes. | ||||||
| 08/16/2016 | Yes |
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| On XXXX XXXX, 2016 I updated my Paypal account due to the fact that my debit card account number had been changed. That same date I made a payment of {$110.00} that was set to process from the previously existing primary account but the payment was extracted from THE NEWLY ADDED account! I have a clear history of " careful exact '' payment processing on ALL purchases made.Upon careful consideration of the only variable I can only surmise that the " error '' on Paypal 's part was in their processing of the newly added account information not to the account that was checked ( and double checked ) before submitting said payment. It was due SOLEY to the error in THEIR processing technique directly resulting in overdraft fee 's of {$40.00}. XXXX/XXXX/2016 Withdrawal at ATM # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$110.00} - {$89.00} XXXX/XXXX/2016 Courtesy Pay fee {$30.00} - {$110.00} XXXX/XXXX/2016 {$6.00} - {$120.00} XXXX/XXXX/2016 Courtesy Pay fee {$10.00} - {$130.00} Though difficult to access means of communication as soon as I was aware of their error I informed Paypal of the " situation '' and to date I have received NO response. Contacting their resourced " customer service is not a viable option. What I did receive was the attached suspicious email ( from Paypal? ) I did not respond by logging onto my account but sent the suspicious email to Paypal XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com AND HAVE RECEIVED NO ACKNOWLEDGEMENT OR RESPONSE either regarding the money taken in error or an explanation or acknowledgment of any issue including if my accounts have been compromised! From : " XXXXXXXXpaypal.com '' & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX Sent : Sunday, XXXX XXXX, 2016 XXXX Subject : paypal account access has been Iimited PayPal Notice to Customer, Your account access has been Iimited because we 've noticed significant changes in your account activity. As your payment processor, We need to understand these changes better. This Iimitation wiII affect your abiIity to : Payment for purchase Send or receive money Withdraw money Close your account What to do next : Please login Here to your account and provide the requested information XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com Message body On XXXX XXXX added an account ending in XXXX ( preceding and CAUSING YOUR ERROR? ). I then made a payment that was by Paypal taken from the WRONG ACCOUNT causing {$40.00} in unnecessary unjustified bank charges! In more than a decade I have never had an issue! I am POSITIVE I made the payment from account ending XXXX! Not the newly added account IN MORE THAN A DECADE I ALWAYS CHECK AND DOUBLE CHECK! A refund of the {$40.00} should be made immediately! I will wait 24 hrs! THE ONLY VARIANT FACTOR was in adding a credit card then though NOT MAKING A PAYMENT FROM SAME! A {$40.00} refund for your processing error made to acct should be processed immediately! I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS AND TO DATE HAVE NOT RECEIVED ANY RESPONSE! | ||||||
| 06/09/2022 | Yes |
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Web | Older American |
| I have had a Paypal account for about 20 years. No problems. On XX/XX/2022, at XXXX I attempted to create another Paypal account for another business of mine. The user ID is XXXX. I was able to " create '' this account but at the moment I tried to link my business bank account, it displayed that it can not link this bank account AND I received an email saying this : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You can no longer do business with PayPal ( Ref ID - XXXX ) XXXX XXXX Inbox XXXX To : XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX Hello, XXXX XXXX PayPal You can no longer do business with PayPal After a review XXXX we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. We regret any inconvenience this may cause. Log in to PayPal PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX : XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called Paypal 's number XXXX and a lady told me that the SYSTEM " decided that I am some RISK '' and she can not do anything about it. So I have a new account that can not use ; it says it in the above email. 1. What have I done wrong to prompt this action? Linking my bank account? 2. What kind of harsh language is this message written in? Like I was a criminal! 3. There is no clear reason for what risk I created and to whom ; to myself, to Paypal? 4. I have no funds in that account, of course, no bank could be linked but if I did, I would need to wait 180 days to get it? Money kept hostage? 5. Why would I be charged a High Volume Dispute fee? What kind of punishment it is? And why? The above text sounds like a scam but the Paypal lady on the phone confirmed its authenticity. | ||||||
| 03/20/2021 | Yes |
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| On Saturday XX/XX/2021 my Venmo card was declined. I tried calling customer service but they are not open on weekends. So on Monday XX/XX/XXXX I called and was I formed my account was frozen. I was told maybe the email notifying me of this was in junk folder and sure enough, it was. The email asked for my ID, which I immediately sent. I then called and spoke with a representative who said that when the account is frozen, all communication about that is through email and that there is no one I can speak to in that particular department. I explained I had just received my stimulus payment of {$4200.00} on the XXXX, and before that my income tax refund, so there was a large balance that I needed access to in order to pay rent and bills etc. I was told I would just have to wait for an email and there was nothing they could do for me. So I waited and waited and today, Friday XX/XX/XXXX, I called again and the rep said she would re-escalate my case. I sent an email to Venmo asking for help and informing them I would contact you to file a complaint but first was hoping to hear from them. I emailed Venmo almost every hour and then at XXXX Friday XX/XX/2021 I received an email stating I violated their user agreement and my account would be deactivated. As if that isnt disturbing enough, the email goes on to state that my funds will be held for 180 days due to loss prevention and that they should be available for transfer and I would be emailed about that. I dont understand how they can hold my funds when the large deposits into the account are clearly from the United States Government. How is that a loss prevention issue? I have no clue what I did that was so wrong as to warrant a deactivation and hold of my funds. I am a single Mom who provides for my two special needs sons and my XXXX-year-old Mom. This money is basically ALL the money that I have to my name and now it is in limbo. Plus there was a credit coming to me from Air B and B ( {$580.00} ) that never even showed up on my Venmo account, I imagine due to the freezing of said account and now the subsequent deactivation. I immediately contacted Venmo to ask for clarification on the should be transferred wording of their email and the automated response was that its the weekend and Id have to wait until Monday. I am physically ill over this. How can they do this? It does not seem fair. Today, ( XXXX/XXXX/201 ), I received an email from XXXX of the Execute Escalations Department of Paypal. In his email he states that my Vemo was deactivated because " you are receiving payments for goods or services. ' '' I don't use Vemo as a business and if my activity were for business nature, then why are the people with whom I allegedly did business was also not frozen? Futhermore, the {$4200.00} deposited on my XX/XX/2021 clearly states it is from the US Treasury Department. As such, there won't be a risk of charge back that Vemo is concerned about. At the very Vemo/Bancorp should give me my stimulus payment. | ||||||
| 11/08/2015 | Yes |
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| Paypal switched my account to a credit account without my knowledge or consent. I started receiving persistent phone calls from an unknown number sometime in XXXX, 2015. After an incredible number of calls night after night, I finally had to answer XXXX of the calls in an attempt to stop the nuisance. After responding to prompts from a computer, a real person came on the line. She told me she was with Paypal and if I would give her some personal info she could tell me what their calls were in regards to. I would not provide her with any information since I had no idea why PP would be calling me at all or if indeed she was with PP. I will say, however, that she was professional, but would not tell me what the nature of her position was with PP ( e.g. collections, security, promos ). She advised me to go to my online account and see if there was anything amiss ( my word ) on the account. This is how I discovered that I had over {$100.00} on a PP credit account, including interest charges and {$25.00} and {$35.00} late fees. I disputed as many of the charges as I could and ultimately received credits for the charges ( apparently not the fees however ). After giving it some thought though I realized that the charges were in fact legitimate and it was the PP credit account that was the scam. I will attempt to reach out to the merchants next week to reimburse them directly if at all possible. Today, XXXX/XXXX/2015, I received an email from PP that I had a {$35.00} min payment due on a {$52.00} balance. This is the first contact I had received since the XX/XX/XXXX/XX/XX/XXXX occurrences. I had no idea what this was about. When I went online to my PP account I discovered that the {$52.00} included a {$35.00} late fee from last month, a {$2.00} min interest charge, and some leftover purchase charge ( s ), although for what is anyone 's guess. I stopped using PP altogether after the earlier episode. I called PP customer service. I was transferred to the credit people. The man " offered '' me a one-time " courtesy '' of a {$35.00} credit for the late fee. This left a {$17.00} balance. I wanted to wait to see if indeed he had issued the credit until I paid, but he informed me that after today there would be another {$35.00} late fee applied - and of course - no " courtesy '' on this one. He wanted me to give him my checking account routing and account number, but I would n't do it. I was able to pay the {$17.00} via the PP website from my account login. I would say that judging from his tone I was not the first caller to have this conversation with him. He was not unpleasant, but I felt that he was controlling himself, actually better than I was. This is a huge disappointment as I have used PP for as long as I can remember. Why eBay would do this to thousands of loyal customers is unimaginable. If you or someone you know has been a victim of PP credit please speak out and file a complaint. Let 's hope they pay both in real money penalties and in the marketplace. | ||||||
| 07/27/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I used Venmo to pay for a used aircraft part that I purchased from a XXXX seller. Shortly after I make the purchase I realized this was someone that was being dishonest or trying to scam people on XXXX. The total amount was {$1100.00}. On XX/XX/XXXX I contacted Venmo to dispute the transaction as I said this money was used for buying a product online, I also had my back put a stop pay on the transaction before the money was taken out of my checking account. The same day I called Venmo to make sure everything I submitted in my dispute was clear, I also asked the customer service agent if there was anything else I needed to do and she said all the info I provided was clear and they would take care of it. I let her know that I stopped the money from leaving my bank and she said that was good that I had contacted my bank. In my mind I had done more then most reasonable people would have done and this should be a easy situation for Venmo to take care of. Later Venmo asked me for info that I was unable to provide like a URL like to the listing that the seller had and communication between me and the seller. The seller had already pulled down the listing on XXXX and the only communication I had with the seller was on XXXX XXXX so I didnt really know how I was going to provide this info but as I said I had already talked to someone at Venmo that said I have provided what they needed and I still had the money in my bank. On XX/XX/XXXX Venmo denied my claim because they said they didnt have the info they requested, I called them immediately once I got the notification and they said I could submit screenshots of anything I had which would have been good to know when I talked to Venmo XXXX XX/XX/XXXX. After I submitted all the screen shots to the Venmo rep they sent me back an email saying that they would not be able to open up the dispute and that I needed to try to resolve this with the seller that was already not responding to any communication from me at this point, and as I told them this was a scam artist trying to steel money from people online. I called back Venmo again the evening of the XXXX and asked what the appeal process was and again I sent them all the screen shots I had between me and the seller and they said it would take XXXX for them to see what they could do. They also said that they had already sent the seller the money before it cleared my bank so I would still be responsible to cover the balance in my account, even thought I had done everything I could have at this point to stop a dishonest person from taking {$1100.00} from me. Did Venmo ever ask the seller for any proof that they sent me the used parts that I purchased? I feel that Venmo did a poor job of handling this dispute and notifying me of what they needed and how I would be able to provide them with information from a seller that was being dishonest. I also think it was incredible irresponsible of them to send them money to the seller before they had funds from my bank. | ||||||
| 04/05/2020 | Yes |
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| A charge was made on my PayPal account on XX/XX/XXXX with money sent to an unknown international recipient through " friends & family '' method. I wasn't notified of any fraud until my bank ( XXXX ) notified me that my account has been overdrawn on XX/XX/XXXX and a large sum of money has been taken. In total, {$1000.00} was taken from my bank account, and {$1000.00} was taken from my PayPal balance, totaling {$2000.00} in money stolen. Checking the unauthorized transaction, the unknown recipient is seemingly based in XXXX with an email that is generic with a link to an XXXX XXXX account that doesn't exist. I filed an unauthorized claim immediately after finding out the issue and was denied after exactly 4 hours, without a proper explanation. I tried calling customer support during business hours on the same day with no response and resorted to commenting on PayPals brand page on XXXX in order to get a response from a representative. Upon receiving help from a representative " XXXX, '' I was immediately told that nothing can be done without an explanation. In fact, he used emojis with his replies as if a customer losing more than {$2000.00} was not a serious matter. He suggested I contacted my bank, but my bank suggested I contact PayPal regarding the issue. Half of the money was taken from my PayPal balance, in which can only be reimbursed though PayPal. I have followed all terms and conditions with PayPal since XXXX and this is the first time, I've ever had an issue with the company, to which they ignore all of my signs for help. I reached out again on XX/XX/XXXX calling customer support early in the morning to which a representative responded suggesting that the transaction was done through XXXX - I asked if I could provide any documents to help out the case but the representative denied my plea for help and stated that the dispute would be resolved shorty. The representative opened another case which was shortly denied after about 15 hours with no real explanation. On XX/XX/XXXX I called customer again about the situation to which a representative stated that a credit card was added at the time of the money transfer and no further actions could be done. The representative said that they would send me a request to a supervisor who will further analyze the dispute, and it should take 24-48 to hear a response from them. It has been more than 48 hours and I haven't heard anything back. Since then, I have listened to the last representative 's advice and closed the credit card account that was added to the PayPal account, changed all of my account passwords regarding my financials, and turned on 2-factor authorization with PayPal. I have also contacted my bank about the issue, and they have since started an investigation and reimbursed the amount ( {$1000.00} ) that was taken by PayPal from me. PayPal has taken {$1000.00} of my money and show no signs of help and have not started any investigation on the recipient to which my money was stolen to. | ||||||
| 07/05/2023 | Yes |
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Web | Servicemember |
| [ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Email Address ] [ Phone Number ] [ Date ] PayPal Customer Service [ Address ] [ City, State, ZIP ] Subject : Appeal for Assistance as an Identity Theft Victim and Unauthorized Access to PayPal Account Dear PayPal Customer Service, I hope this letter finds you well. I am writing to inform you of a XXXX incident that occurred on XX/XX/XXXX, where I became a victim of identity theft and subsequently suffered unauthorized access to my PayPal account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. There were cards added to my PayPal account that arent mines or affiliated with me and the perpetrator extracted all of my funds from my PayPal account. I am reaching out to PayPal, a trusted and reputable financial service provider, for assistance and resolution regarding the unauthorized activity on my account. I have reached out to PayPal Disputes Department Account Specialist Supervisor ; XXXX on XX/XX/XXXX and what he stated to me was a cause for concern. XXXX stated to me that PayPal did not and will not review my police report and identity theft affidavit and that my claim will remain denied and disconnected the call on me. Despite me being an identity theft victim. I am horrified that he would make such a statement and go against regulations and compliance. On the aforementioned date, I unfortunately lost my wallet, which contained various personal identification documents, along with my mobile device. This loss has left me vulnerable to potential fraudulent activities, and unfortunately, my PayPal account was accessed without my consent or authorization. As a result, funds were removed from my account without my knowledge or approval, causing significant financial loss and hardship. I immediately took the necessary steps to report the incident to the local authorities, as well as to other relevant financial institutions to mitigate any further damages. However, given the unauthorized access to my PayPal account and the subsequent unauthorized transactions, I believe it is crucial to bring this matter to PayPal 's attention and seek assistance in resolving the issue. As a loyal PayPal customer, I understand that your platform is designed with security measures in place to protect users from unauthorized access and fraudulent activities. I kindly request your immediate attention and action to investigate this incident thoroughly, identify the perpetrators involved, and take appropriate measures to secure my account. Furthermore, i request that any unauthorized transactions in the amount of {$4000.00} made on my account be refunded promptly to restore the funds that were wrongfully taken from my account. I have taken proactive measures to secure my other accounts and monitor my credit reports. However, the unauthorized access to my PayPal account has caused significant XXXX and financial hardship. I am relying on PayPal 's expertise and resources to assist me in resolving this matter, | ||||||
| 09/08/2020 | Yes |
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| Paypal permanently banned me for breach of service when I did absolutely nothing wrong. I opened a dispute on a fraudulent seller and the seller uploaded false information and paypal beleived it, even though I have proof of seller lying through direct text messages. I run a XXXX XXXX and XXXX and XXXX XXXX XXXX on XXXX. I have perfect, pristine feedback, and have exemplary ratings from every single one of my XXXX, as I offer great service and extremely high reliability. I have never once had an issue with paypal before this. Either XXXX or XXXX, all parties have been happy, until now. I opened a dispute for items not received from a scamming seller. We made an agreement to go pick up the item in person. I sent payment through paypal to their paypal email address, as they lived closeby. Upon arrival, the items were not as described, so I refused to accept them and came back home and filed an immediate dispute. At the same time, I got a large purchase of over {$800.00} from a contract I was developing to purchase items for their business. The sale went through clear with no complaints. The items were shipped and the buyer was very happy, as I always provide excellent service. I have never once had a chargeback or dispute opened against me. Suddenly, the next day, I receive a message from paypal that I lost the dispute i filed on the fraudulent seller. Then a few hours later, they permanently ban my account and is now holding over {$1000.00} that I need for my business and to pay my bills. Money that I worked hard for. The scamming seller, upset that I filed a dispute, uploaded false information about me. Paypal asked me for proof, of which I provided. Then they still closed my dispute and then shortly after, banned my account. This is unfair and spiteful. Not only did they close my dispute, and the scamming seller gets away with my money, they also ban my account for no reason. I have been using paypal for years. Never had an issue. I am not sure if they suspected my large transaction as fraudulent, or if the scamming seller uploaded false information about me. I do have proof that the scamming seller did this as well, as the scamming seller then texted me and told me that they uploaded false information about me to crush me. I now have bills to pay, and paypal is keeping me from accessing the money that I worked hard for. Then I am also unable to sell and run my business, as I am effectively locked out from selling on XXXX, as PayPal is still the main payment processor. This type of treatment should not be allowed. I was unfairly and unnecessarily punished for opening a dispute against a scamming buyer, who somehow knows how to game the system. This should NOT be allowed. I am immensely inconvenienced and am now losing hundreds, if not now thousands of dollars, as I am unable to sell. I am DEMANDING a quick resolution to this matter from PayPal, as I have broken no laws, nor have I violated their terms of service in any way, shape or form. | ||||||
| 08/19/2016 | Yes |
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| Good Day to whom it may concern, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business one of your largest competitors that I am no longer in need of PayPal 's services. I have been made aware that the limitation on the account can not be appealed. Although I disagree with the decision to close my account to future business I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the attorney general of California, as well as the DBO of California in order for them to mediate and decide whether this practice is acceptable in my specific case. Additionally, i am not satisfied with the current response to hold my interest bearing money for 180 days solely at the discretion and best interest of Paypal for monetary benefit and security purposes. I understand PayPal 's need for holding funds for credit card chargeback purposes, however due to the sheer amount of customers compared to the rate of claims I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$500.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Should you remain to not release my cleared funds, please provide to me a lawful reason that allows you to hold my money for 180days? I do not wish to wait 180 days nor is this a reasonable amount of time to continue to operate a business in the same manner with cashflow disrupted due to gross negligence and lack of information regarding limitations. Proof of past gross negligence can be seen in XXXX PayPal Inc., XXXX XXXX. XXXX XXXX XXXX XXXX XXXX California XXXX where Plaintiffs allege that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds and reserves on accounts or closed or suspended accounts. Section 1841 of the state 's Money Transmission Act reads : " Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. '' I am mindful of the Civil Procedure Rules and am seeking a mutually satisfactory settlement of this issue. As a result, I am informing you of my willingness to cooperate in voluntary, non-binding and confidential mediation. | ||||||
| 12/05/2022 | Yes |
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| Dear CFPB Staff My name is XXXX XXXX and I hope my complaint is reaching you in good health and spirit. Due to my ongoing inability to resolve my dispute with VENMO I am reaching out for your immediate intervention as my final attempt to relive this matter without having to initiate formal legal action via binding arbitration hosted by the XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX my subscription as a longtime Venmo account holder was temporarily frozenwhich I previously maintained absent any dispute for years. Attachments will be forwarded with this complaint Dispute History : On XX/XX/XXXX I checked my bank account activity with XXXX XXXX XXXX XXXX XXXX XXXX '' ) at which time I noticed a then pending unauthorized financial transaction with VenMo. It appeared that a monetary transaction was pending with Venmo whereby I supposedly had authorized the forwarding of XXXX XXXX dollars ( {$1500.00} usd ) to one, XXXX XXXX XXXX, a person I have never known, or met in my entire life. This XXXX XXXX XXXX could never validate or substantiate a prior relationship ever existing between themself and I. In attempt to invalidate that same transaction I contacted XXXX XXXX XXXX on XX/XX/XXXX and informed them that I have never knowingly authorized any payment to a XXXX XXXX XXXX to my longstanding history as a trusted bank customer, XXXX they initiated a formal stop payment upon my request. At the same time, I took further initiative by deleting my VenMo bank information to assure the alleged monetary transaction would not be processed. I, subsequently, notified VenMo personnel of the steps I had taken to assure that this erroneous monetary transaction had been cancelled by all parties involved. Unfortunately, all of my attempts, in tandem with the actions initiated by my bank ( XXXX ) proved to have been a colossal waste of everyone 's time and effort as Venmo personnel still proceeded to process that same bogus funds request. Since then I've been inundated with telephone calls, and emails demanding my repayment of the same illegal and felonious financial transaction. To add insult to injury, Venmo personnel is asking that I initiate a Police Report for theft, when in fact I have not suffered any theft whatsoever. I have gone ahead and filed a police report as requested and I consider VenMos action as a theft A proper investigation on your behalf should prove each and all of my claims contained herein are based entirely in fact and truth. As I would imagine is the case where you are concerned as well, I have far better things to do with my time, energy and money than to mount a formal legal action against PayPal, Venmo, and all parties involved in sullying my name, reputation ( albeit financially & socially ), not to mention the emotional stress, trauma and this horrendous experience has caused me and my entire family. As stated earlier, your immediate intervention is hereby requested. With respect ; XXXX XXXX ( XXXX ) XXXX XXXX XXXX | ||||||
| 10/19/2021 | Yes |
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| Yesterday XX/XX/2021 I recieved a payment from a friend for help he needed with a tree I helped him and he offered to give me money for gas as I was completely out of fuel he said he could send XXXX via venmo and that that was the only option. I have used venmo for several years so I checked my account before hand and there was no issues and no notifications that would make me think there would be a problem so I approved the transfer and the {$120.00} went into my venmo account without issue. I checked the account status and there was no issue it was available... so I then decided to get fuel for my vehicle i had to push my vehicle for some ways to get to the nearest gas station I am on XXXX summit in California we recieved snow yesterday and it was below XXXX. I opened an cell phone application for XXXX XXXX XXXX purchasing I have used this program more than 15 times with venmo or PayPal as the payment method I added the venmo account to my XXXX account without any issues everything was working as usual I checked the venmo account again and there was NO issue at that time and said I had linked the accounts successfully I then attempted to make the purchase. I was unable to and recieved a message stating " the transaction was declined but try again it might work ''! I tried again but got the same results. I tried linking to my debit card because now I am stuck at a pump after dark and unable to get warm. I attempted contact approximately 50 times via chat, email, and a phone call this morning In which I was told that the system restricted my account that there was nothing that the person could do and there is no way to call anyone that can do something and that I will have to wait 3 days to hear back... The money went in and was available the accounts were successfully linked and there was no issue... then when I attempted the purchase it was restricted. This is obviously intentionally withholding MY property otherwise why was I not notified on a problem or the account restricted when the accounts were linked? The new methods put in place for contacting venmo for help with this type of issue differ from the previous policy and is obviously to slow the process down or to prevent customers from any type of assistance in the moment or even In the immediate future and another example of willfully withholding my personal property. I had no reasonable expectation to expect my property would not be usable. This event has very seriously jeopardized my life and is more than just negligence based on my interactions with this company over the years this was not done because of suspicious activity or even potential fraud this is intentional and clearly a breach ofour agreement. I am still out of gas and tonight the temperatures will be at or near 0 I need access to these funds immediately It is not a large amount it is hardly a number to warrant any protective measures and I should have been notified prior to the declined transaction there was an issue. | ||||||
| 05/23/2021 | Yes |
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| RE : Case XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. I have previously requested a review/appeal of my case which was denied, my business is in USA, but I'm currently living in XXXX. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for more than 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Wednesday morning, XX/XX/2021 if I am not satisfied with PayPals response to this request to release my funds : ( agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General http : //ag.ca.gov/contact/complaint_form.php? cmplt=CL The Washington State Office of the Attorney General https : //fortress.wa.gov/atg/formhandler/ago/ComplaintForm.aspx The Florida Office of the Attorney General XXXX XXXX XXXX The Arizona Office of the Attorney General http : XXXX Additionally : The United States Federal Reserve http : //www.federalreserveconsumerhelp.gov/complaintinfo.cfm? info=1 ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) XXXX XXXX XXXX XXXX : XXXX : XXXX All complaints will be filed online Wednesday morning XX/XX/2021 and written copies will also be sent via certified postal mail. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for more than 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. The two emails I got from PayPal, on the attached files, talked about a **Select Funds release** option after the 180 days, but after all the messages I sent to the customer support asking were is this feature and how can I release my funds? No answer, just automated responses. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Wednesday XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. My email linked to my PayPal is XXXX XXXX XXXX | ||||||
| 07/11/2018 | Yes |
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| This summer my family will rent a vacation home in XXXX XXXX for a week. The home owner asked me to pay via PayPal, and I happily agreed to do so. I have been a PayPal account holder since 2012, and primarily use the account to safely process online payments, and occasionally to send or receive money from family and friends. For the first time ever, when I tried to send money via PayPal to the home owner, PayPal asked for both my social security number and my date of birth. I could not bypass this. I tried to continue the transaction online without any of this information, and then without my social security number but with my date of birth. PayPal would not allow me to move forward. I called the PayPal customer service line, for which I had to receive a special one-use-only code. The customer service representative, whose name was XXXX, at first insisted that PayPal never asks for SSNs and said that she thought I was at a phishing site. XXXX patiently walked me through attempting to process the transaction through a different browser and then through a different device. In order to even begin the transaction on my mobile phone, PayPal first texted me another one-use-only authorization code. ( Clearly, they understand and use additional verification methods. ) Yet, the service continued to request both SSN and date of birth in order to make the payment. Finally, XXXX put me on hold to consult someone. Apparently this person informed her that, yes, PayPal DOES ask for SSNs as a form of verification in some instances. And, it *might* be bypassed if the PayPal seller sends me an invoice. So, I contacted the seller to request an invoice. He sent me one. When I first attempted to pay it using my PayPal account, PayPal AGAIN asked for both SSN and date of birth. Finally, I copied the link into a different browser and was able to check out as a guest. My complaints are : First, PayPal should never ask for SSNs. It is not a bank, it is a payment service. There are other, effective ways to verify that someone is who they claim to be. Second, PayPal should ALWAYS train their customer service reps to understand when they ask for verification and why and all the possible ways in which they might accomplish verification. Third, PayPal has a reputation for never requesting an SSN, and the reputation is wrong - if they are not going to take steps to abide by their reputation by never asking for SSNs, then they should be truthful in how they represent themselves and never advertise the idea that they do not require SSNs. In fact, I checked PayPal 's terms of service and never ONCE in the document does it state that they may request a SSN. PayPal needs to stop using SSNs, and also to stop deceiving people. ( Note : I understand that PayPal does have an obligation to report certain information to the IRS and for those transactions needs taxpayer ID numbers, which may be SSNs. This situation was NOT that, not according to their own terms of service! ) | ||||||
| 11/09/2022 | Yes |
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| Hello, A friend tried to deposit money into my Venmo account several weeks ago and he said that my account wasn't there anymore. He had made multiple payments to me in the past, the most recent one that went through was XX/XX/2022. The total amount that was in my account was {$200.00}. All deposits were made from XXXX XXXX in 2022. I had set up an account back a few years, but never used it until this year. The deposits were all made this year on XXXX XXXX {$25.00}, XXXX XXXX {$25.00}, XXXX. XXXX {$50.00}, XX/XX/XXXX, {$50.00}, XX/XX/XXXX {$50.00}. I never made any withdrawals from the account. I don't find any policy that says you have to withdrawal. I was planning to withdraw yearly, but I guess that plan hasn't worked for me and I do not plan on using Venmo ever again. The following is what Venmo sent me when I inquired and my money is not in the XXXX XXXX XXXX, so far anyway. A most recent transaction of XX/XX/2022 doesn't seem like an inactive account to me. I also never received the emails they are referring to. Thank You XX/XX/2022 Venmo XXXX You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi XXXX, XXXX from Venmo XXXX here. I'm glad you contacted us regarding your account status and I'm more that happy to assist you. I've taken a look into this situation for you, and we show your account was cancelled due to inactivity and there were unclaimed funds in your Venmo account. In situations like this, we send XXXX email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. Since the funds have already been turned over to your state, you will need to go through Utah 's XXXX Funds process to collect the funds you had in Venmo. Hope you are clear. If you have any other issues in the future, please let us know. Best Regards, XXXX XXXX | Venmo Support XX/XX/2022 Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hi XXXX! XXXX here from Venmo XXXX! Thank you so much for reaching out today regarding inactivity policy of Venmo. Let me help you resolve this concern! The escheatment process takes place when an account becomes dormant for a time period which is specified by state law, typically between three to five years. I've taken a look into this situation for you, and we show there were unclaimed funds in your Venmo account. In situations like this, we send two email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. Since the funds have already been turned over to your state, you will need to go through XXXX 's XXXX XXXX process to collect the funds you had in Venmo. Thank you for being a valued Venmo user. If there is anything else we can assist you with please don't hesitate to let us know. Have a wonderful day! Best, XXXX XXXX | Venmo Support | ||||||
| 05/23/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Complaint Against PayPal Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding a recent incident that has resulted in significant financial loss, inconvenience, and emotional distress. I believe that PayPal 's handling of the situation has been unfair and contrary to their own policies. On XX/XX/2023, I engaged in a transaction on XXXX where I sold XXXX XXXX through their peer-to-peer program to a buyer named XXXX for XXXX USD. The payment was processed via PayPal, and once the payment was confirmed, I promptly released the XXXX to the buyer 's account. Regrettably, two days later, the buyer filed a claim with PayPal, alleging fraudulent activity and demanding a refund. I immediately provided compelling evidence to refute the claim, including verifying that the buyer 's name matched the individual I sold to and highlighting XXXX 's stringent XXXX verification requirements. Initially, PayPal cited non-delivery as the basis for ruling against me, but later altered their reasoning, asserting that XXXX does not qualify for seller protection. It is essential to note that PayPal 's seller protection agreement does not explicitly exclude XXXX from eligibility. I have clearly communicated this fact to PayPal and provided concrete evidence, such as screenshots and emails from XXXX, confirming the successful delivery of the XXXX to the buyer 's account. Despite my diligent efforts and the supporting evidence I provided, PayPal sided with the buyer and refunded the funds. The buyer initiated five separate transactions, each with a unique transaction ID : - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX PayPal 's explanations for ruling against me have been inconsistent and contradictory. I have exhausted all available channels to address this issue, including multiple attempts to contact PayPal 's customer support. Although they briefly reopened the cases for review, the outcome remained unfavorable, and PayPal failed to provide a clear justification for their final decision. This entire experience has caused me significant frustration, financial hardship, and emotional distress. I am seeking your assistance and intervention in this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this case and urge PayPal to reconsider their decision, rectify the situation, and reimburse the funds that were unjustly refunded to the buyer. I have full confidence that the Consumer Financial Protection Bureau will prioritize the protection of consumer rights and ensure a fair and equitable resolution. Thank you for your attention to this matter. I eagerly await your prompt response and support in resolving this dispute. Sincerely, XXXX XXXX | ||||||
| 07/09/2015 | Yes |
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| I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. Click " Add Funds '' at the top of the page. Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. Sincerely, Risk OperationsPayPal | ||||||
| 06/11/2019 | Yes |
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| I am dealing with an issue with XXXX / PayPal right now. I have been misled, swindled, and duped by XXXX. Multiple times I spoke on the phone with XXXX XXXX XXXX and I was told that the circumstances of this case would be covered under Seller Protection. As my labtop was either damaged in transit by XXXX OR it was damaged by the buyer in order to force a return. One of those two things has happened. My money should not be on hold in PayPal and there should not be any negative balance on my PayPal account. This situation Im facing looks like an obvious case of " buyer 's remorse. '' Its not just me who thought that. When I called PayPal, after explaining what happened, the customer service said that she thinks it sounds like a situation of buyers remorse. PayPal put my balance into a negative balance of XXXX due to the actions of XXXX and XXXX XXXX. This is not okay. I have been duped into believing that I am covered by XXXX Seller Protection. I did everything correctly that I could in selling this item. I am extremely upset how this has been handled by XXXX and PayPal. I have never faced a situation like this before. The buyer received the item in the condition described. The buyer is apparently now fraudulently lying about the condition in order to receive a refund, even though the labtop was described accurately in my XXXX listing as a " used '' labtop with cosmetic imperfections, sold " as is '' with no returns accepted. Because I am unable to accept returns on this item. I find it incredibly unfair that I have gone to great lengths to document the condition of the labtop, both before listing it on XXXX and before shipping it to the buyer, but yet XXXX is wrongly placing the blame on me. There is a real likely possibility in this case that the buyer has scratched or damaged my old labtop on purpose in order to fraudulently demand a return/refund. The other possibility is that the labtop was damaged in transit by XXXX since I first had to ship the item to XXXX shipping center in Kentucky. It should be covered by XXXX Seller Protection which is supposed to protect a seller against fraud and other cases such as mine. The photo the buyer showed me of the so-called damage looks nothing like the condition of the screen before I shipped it to him. I also took photos and a video before shipping the labtop to the buyer in order to document the condition of the item. It did not look like that! The labtop was first shipped from me to XXXX, and then the labtop was forwarded to the buyer in XXXX. However, I have a strong suspicion that the most likely scenario is that the buyer has had " buyer 's remove '' and is therefore lying about the condition of the item to convince XXXX to allow him to return it. I just saw that my PayPal account is currently in a negative balance. Furthermore, money being received to my PayPal is not even appearing to me as available. Basically PayPal is just stealing my money. This can not be happening. | ||||||
| 02/07/2023 | Yes |
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| In XX/XX/XXXX i opened a Venmo account for the sole purpose to be able to pay a bill that was in my name. My wife added funds to the Venmo from her account to be able to make that payment. I attempted to make the payment but it was declined by venmo due to their daily transaction limit. I was then sent an email saying my account had been frozen and asking to verify my identity. Which i did. I then Did Not get a response from Venmo until XXXX of XXXX stating that my funds had been held and that they were now available to be transferred using a standard transfer in their app. However, the app would not allow me to add any bank account to be able to initiate that transfer. I spent months trying to communicate via email because they will not speak to you over the phone. On XX/XX/XXXX i received an email stating that my funds would not be able to be released to me due to a loss Venmo had incurred due to my transactions. And the email from XXXX was sent by mistake. On XX/XX/XXXX i received another email stating that my account had been adjusted so that i can Transfer my funds to a bank account. I was Able to add a bank account this time around and i initiated the transfer on XX/XX/XXXX for the remaining balance in the account which is {$4600.00}. That transfer was then canceled by Venmo the next morning with XXXX explanation as to why. On XX/XX/XXXX i received an email stating that they can not release the funds and their policy states they can hold them for up to 180 days and if they do become available for transfer i will Be notified. After many emails sent from me i finally heard back from Venmo on XX/XX/XXXX asking for more information and asking for me to respond to an email that i never Received. Then on XX/XX/XXXX i received another email saying that my funds were available for transfer. Once again i am unable to add any bank accounts to the account. I received an email from Venmo stating they had made adjustments to my account and gave me instructions to add specific bank accounts and initiate the transfer of my funds. I was Able to again initiate the transfer for {$4600.00} on XX/XX/XXXX With the estimated arrival of the funds to be deposited on XX/XX/XXXX. Within hours that transfer was canceled by Venmo. I sent 4 emails asking why this has happened and why this keeps happening. I received an email on XX/XX/XXXX stating that i will never have access to my funds in the account with no other explanation! I have since attempted to reach back out to them with no response. Venmos policy states that they can hold funds in an account for up to 180 days. We are now way past that limit. I have had my money dangled in my face 3 times over the last 10 months. With little to no explanation as to why. I dont Understand how this can even be possible for them to do to their customers! Im really hoping this will finally help me resolve this issue once and for all. It has caused great financial and emotional burden for me and my family! | ||||||
| 06/01/2018 | Yes |
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| Imagine going to a store with a {$20.00} bill and a credit card in your wallet. Your total comes to {$16.00} and you give the cashier your credit card, because the purchase is a business purchase and your credit card is a business card. Instead, the cashier notices you have {$20.00} in your wallet and yanks the {$20.00} from your wallet to complete the purchase. This is what PayPal has become. At best, it is deceptive ; at worst, it is theft. I am a PayPal customer since XX/XX/XXXX. I have always enjoyed using PayPal to select which payment method I want to use at various online retailers. However, on XX/XX/XXXX, I purchased a ticket for {$16.00} with XXXX XXXX and used PayPal to complete the transaction. The transaction ID was XXXX. PayPal asked how I would like to pay for the transaction, and I chose my XXXX XXXX card ending in XXXX ( see attached screenshot ). This is also my default card, or " preferred way to pay '', as PayPal puts it ( see attached screenshot ). However, after selecting this card, PayPal ignored the payment method indicated at checkout and instead deducted the {$16.00} from my PayPal balance, because at the time of the transaction, I had funds in my PayPal balance that had not yet been transferred to my XXXX checking account. PayPal 's customer service confirmed that in the event there are funds in your XXXX balance, any credit cards selected at check out will be ignored, and your XXXX balance will be used, even if the credit card is selected as your default payment method. There are many reasons why a consumer may wish to place a purchase on a specific credit card, rather than using cash ( or PayPal funds, which is the equivalent of cash ), including, but not limited to : 1 ) the transaction may be a business purchase, and must be placed on a business card ; 2 ) the credit card selected by the consumer at checkout may offer specific rewards for the purchase ; 3 ) the consumer may need to save the PayPal funds ( the equivalent of cash ) in order to pay for goods or services that do not accept credit card as a method of payment, such as rent, mortgage, etc. ; 4 ) the credit card selected may offer purchase or travel protections that are not offered by PayPal. A dispute filed with PayPal regarding this transaction ( namely, dispute ID number XXXX ) was denied because my dispute is not with the merchant ( XXXX XXXX ) but rather with PayPal itself. It is unacceptable, deceptive, and borderline theft for PayPal to withdraw funds from my account when I have indicated that a particular purchase is to be charged to a particular credit card. PayPal is making online purchases more difficult than they need to be. The front page of PayPal.com advertises ( see attached screenshot ) that " With PayPal, you can pay your way '' and " Add credit, debit, and bank accounts to your digit wallet and take your pick at check out. '' These statements are false, as evidenced by my situation described above. | ||||||
| 03/25/2022 | Yes |
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| I received the below email. I have not nor do I order from the company Paypal. I have no idea what the transaction is about!!! Its a fraud! They are attempting to get money from me! Help stop them! PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. ( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center. For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. Thank you for your payment with us PayPal Billing Support We hope to see you again PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. ( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center. For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. Thank you for your payment with us PayPal Billing Support We hope to see you again | ||||||
| 10/05/2019 | Yes |
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| To whom this may concern ; I recently had an unpleasant customer experience with PayPal. I opened my PayPal account earlier in XXXX and included my debit card information. The purpose at the time was to utilize PayPal as a secure service to make online purchases. I however rarely shop online and therefore have had no need to use this account. At XXXX Mountain Time on XX/XX/XXXX a transaction to XXXX XXXX XXXX transaction ID XXXX ) with a contact e-mail address of XXXX in the amount of {$510.00} occurred on my account. I received 3 push notifications from PayPal indicating possible unauthorized transaction occurred. I woke up on XX/XX/XXXX in the morning, received the notification and immediately logged into my PayPal account. In which a security prompt indicated to change my password due to possible unauthorized activity that occurred. I changed my password and then opened the a dispute case. That was XXXX on XX/XX/XXXX. At XXXX I received an e-mail indicating, Weve completed our review of your unauthorized activity case and weve determined there was no unauthorized use. Based on our review, we found this transaction to be consistent with you PayPal history. In the above sentence transaction to be consistent with your PayPal history '' is incorrect because I have never used my account so I had no transaction. My next contact with PayPal was when I attempted to go back online and re-open the case. I was unable to do so since their system prevents cases to be re-opened on the same transaction. I then attempted to contact PayPal to speak to a fraud representative, to share my story and experience. Hold times were too long, therefore I selected a return call option. I then opened a chat message and requested the funds returned and that the dispute case to be reopened. XXXX was the representative on the chat. They indicated they were not going to re-open the case and that I can write in for an appeal process. The automated system returned my earlier call in which I spoke to a XXXX with a thick accent. I asked to specifically speak to the fraud department. XXXX stated he was the person to speak to. I asked if XXXX XXXX 's profile was reviewed for fraud, and if IP addresses were looked at to confirm that the transaction did not occur from one of my devices. XXXX stated that each dispute case is handled by a person and that my account did not appear to have an unauthorized third party activity. When I asked for the criteria it was reviewed against he told me to speak to the legal department and send in a written dispute. My frustration with this company is not only the fact that an unauthorized {$510.00} transaction occurred from supposedly secure company but that in every instance I attempted to share my story no one was willing to listen or go the extra step to reassure me that the account had been fully reviewed. I would like a fraud investigation opened on the person who hacked my account and my funds returned to me. | ||||||
| 10/02/2019 | Yes |
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| PayPal simply does not like or accept challenges to their dispute resolution findings. Any type of rebuttal, they view it as a challenge to them and retaliates by immediately restricting your account completely before closing it with a generic reason stating PayPal doesnt do business with people like me. I started using PayPal in early XX/XX/2019 because I lost my job and was preparing to be homeless. I had to settle and prepare for a lot of my personal affairs. This included holding my mail for periods of time until I can get back on my feet. My friends and family would start using PayPal to send money to me so I can survive. I had been using either XXXX to cash out the funds or transferring to my bank account. As each day gone by, my bank account was hit with numerous expenses which eventually I wasnt able to use them. The fees from XXXX has started to add up and it wasnt worth it to cash out {$20.00} or {$40.00}. I remembered i had the PayPal debit card sent to me. However i was in XXXX XXXX, XXXX and my mail was being held in XXXX XXXX, XXXX. I dont retrieve my mail often cause its a 6 hour drive each way. I dont remember when I was able to activate the debit card from Paypal. I probably had it in my possession the first week of XXXX. Anyways, I never used the PayPal debit until XX/XX/2019. I begun to notice my balance being unusually low. I looked and realized my debit card was used for purchases and cash withdrawals days before my first use which was XXXX. I disputed the transactions as unauthorized. *Paypal cancels my current debit card on XXXX and issues a new one. They responded on XXXX stating my claims are denied because the card was present, chip read, pin entered. Plus I had possession of the card. PIN can only be known by authorized user. I called and stated that I do have the debit card and its not lost or stolen, but is PayPal stating that their Debit card is so secure it can not be skimmed or hacked? There is no possible way someone I have never met or known to use devices or programs to obtain my card information to duplicate one and known my PIN? The response was unless I gave them the information. Thats accusation without any evidence. I decided to test them by disputing charges in which I told them within the first set of disputes that I authorized. They came back the following day, XXXX using what I wrote stating in your first set of disputes you acknowledged using your card after XXXX, therefore you authorized these transactions. So in the first set of complaints you did not dare to say who used the debit card but I had possession, but with 100 % certainty that only an authorized user will know the PIN and no possibility the PIN can be discovered. In the 2nd set, you stated I used the card and I had possession. I disagreed and got my account restricted than closed. PayPals debit card doesnt follow Federal Guidelines for unauthorized transactions with PIN used and consumers liability? | ||||||
| 06/06/2023 | Yes |
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Web | Servicemember |
| XXXX ( Venmo ) XX/XX/XXXX, XXXXXXXX XXXX CDT Dear XXXX XXXX, My name is XXXX with PayPal 's Office of Executive Escalations. Your outreach regarding PayPals Venmo product was forwarded to me so that I can fully address your concerns. I regret the frustration and difficulty you experienced with the suspension on your Venmo account. I understand how this would be a cause for concern and I appreciate you bringing it to our attention. On XX/XX/XXXX, you created a Venmo account ( Account ) at which time you agreed to Venmo 's user agreement ( User Agreement ). On XX/XX/XXXX, you received a direct deposit in the amount of {$670.00} for unemployment benefits. In order to prevent fraud and help ensure the safety of the Venmo system, Venmo routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. Specifically, Venmo identified risk associated with the unemployment benefits you received from the state of Louisiana. Pursuant to the Restricted Activities section of the User Agreement, In connection with your use of our websites, your Venmo account, the Venmo services, or in the course of your interactions with us, other customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) As such, to maintain the security of our network, Venmo suspended your Account as permitted under the Holds and Limitations section of the User Agreement. Venmo notified you of this action via email and requested that you provide your government issued photo ID to verify your identity. On that same day, you provided the requested documentation to Venmo. On XX/XX/XXXX, Venmo completed their review of your Account, and determined we were unable to mitigate the risk associated with your Account. As a result, Venmo decided to cease offering our services to you as permitted under the Restricted Activities section of the User Agreement. We notified you of this action through an alert prominently placed on your Account 's overview page. On that same date, you were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access any remaining funds. On XX/XX/XXXX, Venmo conducted an additional review of your Account and determined that we would be unable to release the remaining balance at this time. Basically there was a {$670.00} unemployment check that was accidenlty depositied into this account, from my then spouse, XXXX XXXX XXXX from the state of Louisiana. I sent all documentation his and mine, social security cards, bank statements, info from unemployment, identification cards etc. We still have not received any of the other {$6000.00} that is in the account. | ||||||
| 11/03/2019 | Yes |
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| Dear Sir or Madam, On XX/XX/2019, I purchased a 8 in 1 heat press, item number XXXX for {$190.00} from XXXX. In my search for what I thought to be the perfect heatpress, I specifically filtered my results to only include items from the USA. I settled on this one from seller XXXX because it also advertised a 1year warranty. Item is advertised to ship from XXXX XXXX, California, Us. However, when I received my item, it shipped from New Jersey. On XX/XX/XXXX, I inboxed the seller and I told him that I was having an issue with my heat press and wanted to know how to receive a replacement. My message was ignored. After more than enough time, I reached out to XXXX and they told me that they could only cover me for a certain amount of time and referred me to Paypal. I called Paypal and explained the situation to them and the representative informed me that she would ask the seller to return my money and if they require me to send it back, she would also ask for a return label. However the next morning I received an email asking me to return the item, at my expense, to XXXX. I called Paypal back and explained to them that I did not get a return shipping label and my item did not come from XXXX. The representative ensured me that if I ship it internationally, I would not pay more than XXXX dollars and that paypal would reimburse me for up to XXXX dollars. Upon carrying the 45 pound box to my local post office and getting a quote, the postal worker tells me that the absolute cheapest shipping rate she can give me is {$210.00}. I called Paypal back AGAIN! XXXX the representative at Paypal told me that since the back office has already made the determination, there is nothing else I can do besides send the item back. When I asked to speak to a supervisor, she kept telling me that the supervisor would just tell me the same thing. I insisted to talk to a supervisor and she finally agreed. After a 40+ minute hold, XXXX came on and said that the only thing she could advise is that I speak to my bank and ask them to do a charge back. I explained to her that per the previous representatives advice, I had already done that and the banks policy is 60 days or less. She just kept insisting that I call the bank back and plead with them. I find these practices to be quite different from what the policies entail. I can not see where its appropriate for someone to order something from California and be required to pay over the price of the refund amount to ship it back. This is a strong case of bait and switch and it certainly causes trust issues towards XXXX and Paypal. There is no point in having a warranty if you have to spend the same amount as the item costs to have it replaced. According to XXXX location misrepresentation policy, this seller should not even be allowed to sell. Yet here they are scamming people daily because of the companys negligence and lack of policy enforcement. At this point Im being told either way I go, I lose. | ||||||
| 08/18/2015 | Yes |
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| Today I received a bill in the US mail from PayPal Credit for {$120.00}. The following events happened between XXXX and XXXX today. XXXX representatives from PayPal confirmed that my Social Security Number, Date of Birth and order of my first and last name did not match their records. The first representative verified me with the account number, balance and last charges. This took XXXX minutes to get to this point. That representative confirmed that the charge was from {$25.00} charge for a service I intended to pay on my credit card. PayPal opened and billed a line of credit for instead of using the credit card I had registered on the account. I had to hold for an unspecified period to be connected with some XXXX in PayPal collections, as apparently the phone number on their written bill is different than the XXXX they use for collections. I had to go to an appointment, so I could not hold. I called back and had the same issues with verification. I was put through to the collections department, who was willing to accept payment on the account, but no handle my dispute of the fees ( XXXX times the principal ), because they could not verify my identity. They even took my credit card number. A less sophisticated consumer may have given up and paid the bill to clean up their credit and avoid the hassle. I asked for supervisor XXXX times. The representative continued to explain why a supervisor could not help me. I then had to resort to shouting down the representative on the hope that either he would hangup or get me to the supervisor. The supervisor took the payment and credited the account. He waived the fees. It was interesting that he was able to verify me with the date of birth no one else, including XXXX tries on the automated system could verify. How can can a company open an account with a wrong social security number, phone number, possible date of birth and email address? How can you charge some XXXX fees on such a loan when that entity lacks sufficient information to identify the person they are loaning money to. How can you be willing to accept payment on an account, but then not properly service the account? The supervisor did not seem concerned with this, which indicates the corporation condones this conduct. He, however, was concerned that I had to shout down the rep the speak with the supervisor. That being said I felt treated unfairly and harassed by the whole process. The need to shout and argue my way to a supervisor. They only use first names. The XXXX representative and the supervisor, both identified themselves with the same first name. The other first names were generic. If this was a litigated matter PayPal could use my inability to properly identify the exact staff members as a weakness in my claim. To the best of my recollection only the supervisor advised me that this was an attempt to collect by a debt collector and that any information discussed would be used for that purpose. | ||||||
| 08/22/2018 | Yes |
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Web | Servicemember |
| On XX/XX/2018 my friend XXXX was getting ready to move from XXXX to XXXX where Im at. I was sending him money for Gas and food for a hotel for a night. I told him i could send him {$400.00}. XXXX XXXX has outrageously huge fees so did XXXX XXXX and a friend mentioned XXXX. So I signed up. Had a to send in my phone bill to them to verify the number was mine because the number was on an account already. It was released I was able to sign up for account I added my debit card I added my bank accounts. Ive verified my identity I verified the accounts, So I sent XXXX the {$400.00}. He was having a hard time being able to accept the payment. But it was sent to him he was having technical issues With being able to accept a payment. I got on a chat with a XXXX specialist or customer service person And they confirm the payment was sent. Finally hes able to sign up for account and he goes except payment and it says that I canceled itAnd I didnt cancel it so I got back on chat again and was told the payment was canceled and the money will be returned to me. They stated that they wouldnt disclose what reason it was cancelled or why they lied and said i cancelled it. And all of this was within 20 minutes of me making the payment. So I made the payment through other ways. XXXX still pulled the money out of my account even though they they cancelled it. The payment cleared the bank and came out so because I had given money elsewhere to XXXX for the payment I was overdrawn in my account now {$170.00}. I got on chat with them again and was very upset I sent them a screenshot of my bank statement to show them the transactions and they credited my account for the overdraft fee of {$35.00}. After they gave me the credit that they turned around and froze my account so Im not able to withdrawl the money. Even though the money is then reimbursing me for a fee they cost me they said that I am now permanently deactivated that I violated a user agreement rule. I used XXXX for what XXXX is forAnd thats to send money to friends and family. I used my own bank account and everything is verified, sent them a copy of my ID thats valid and current. That payment they werent supposed to take since they cancelled it but did anyways cleared. Now they say the funds are on hold for 180 days because their loss prevention and fraud places were flagged. Ive yet to get the money back i cant think of a single thing i did to violate a term of condition or how fraud at all is even involved. It sounds like a scam and its discrimination and they stole from me and now said they can not offer any further assistance. Ive yet to recieve the {$400.00} they said they were sorry for and supposedly sent back. They admitted to pulling the money by mistake i have the chat logs so there should no reason why my account was frozen or now permanently deactivated or why lose prevention would be holding any funds. XXXX XXXX an account specialist is the one who is behind it. | ||||||
| 08/29/2020 | Yes |
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| On XX/XX/2020, I saw an ad on XXXX for a folding picnic table. The price was low and while I was pleasantly surprised by this, I figured my purchase would be safe since I was given the option to pay through PayPal ; it is because of this trust in Paypal that I made the purchase, and you will find that my complaint is with PayPal protecting scammers and not holding up to their promise for consumer protection. The total amount for the purchase was {$26.00}. I checked the provided shipping tracking number and it showed the item had arrived from XXXX and had delays in customs, as was to be expected. When I attempted to contact the seller two months later because I had not received my order yet, the link to their website in their confirmation email no longer worked, and for that reason I no longer had the tracking number. I then contacted them through Paypal on XX/XX/2020, and they provided an updated tracking number. This updated tracking number showed that the item had been delivered, but the item that had been delivered ( and that I received ) was a cheap {$10.00} watch ( {$2.00} if you buy it on XXXX ), not a folding picnic table. It is also notable that the envelope in which the watch was shipped had the sender corner torn off ( though through the tracking number on the envelope I was able to backtrack that this was their shipment ). In my conversation with the seller through the PayPal messaging system, I told them that I did not order a watch but rather a folding picnic table, and they said they were sorry and it was a mistake, and that I could return it to them and pay shipping to XXXX myself, or they would offer a 40 % refund. I told them that was not reasonable and I did not order a watch, and I let them know that I would escalate this case with Paypal. I did so, and PayPal notes that when a case is escalated that they will review the messages between the buyer and the seller and make a determination based on what they find. After Paypal 's review, they said that since the tracking number provided showed that [ something ] had been delivered, my case was denied and the case was closed. In the messages with the seller, they never denied that they provided the wrong product, they even admitted this happened. It is clear that PayPal did not review the messages, or worse yet, that they are complicit with scammers ( based on reading comments all over their XXXX page, the latter seems to be the case ). I commented on their XXXX page about my problem and they seemed very polite and helpful in the comments, saying that they wanted to help me and to contact them, but when I messaged them, they replied back once asking for additional information, and they never replied again, even though I sent numerous messages. Unfortunately ( and possibly intentionally ) Paypal 's resolution center will not let me see the messages that took place between me and the seller, all it shows is that the case is denied and closed. | ||||||
| 04/22/2015 | Yes |
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| I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade. I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -. I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX | ||||||
| 09/16/2020 | Yes |
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| OnXX/XX/20 I received a debit card via the USPS from Paypal. I did not sign up for an account nor did I authorize an account to be set up in my name. I do not now, have ever or plan to do business with Paypal. The account was opened fraudulently with my personal information. The card came with a 16 digit card number, a 3 digit safety code and my name printed on the debit card. Literature enclosed with the card asked me to set up direct deposit from my employer, had a routing and Assigned Account number. I called the phone number on the back of the card to attempted to speak with someone regarding this situation. After several prompts the automated system stated they were unable to take my call and disconnected. I then tried 8 other phone numbers listed for Paypal I found online and affiliate banks that were listed on the card. All of the calls ended with the same message and disconnected. In total, on XX/XX/20, I made 21 calls over the course of several hours with no results or any option to speak with a live agent. The automated system asked for the 16 digit account number but since it was a fraud account I did not want to enter those numbers fearing it would " activate '' the card. One of the automated system prompts suggested going online for inquiries. This requires registration of one 's account. Since the account was set up fraudulently I did not feel it was a smart idea to register a fraud account. On the morning of XX/XX/20 I made multiple attempts to contact Paypal all with the same result as my numerous calls of XX/XX/20. I then located the card issuing bank listed on the back of the card and called their customer service. When I contacted The XXXX XXXX the person I spoke to stated he, unfortunately, was unable to help. He also stated that he was instructed by Paypal via management, a year ago, that he/call center reps were not allowed to transfer calls to Paypal or give out any phone numbers to customers who wanted to contact Paypal. After being unable to get Paypal on the phone after multiple attempts I tried to contact them via social media only to get, what appeared to me, chat bots that were unable to help or offer any other form of contact. I have yet to hear back from Paypal from my social media private/direct messages. It is clear to me that Paypal is avoiding any and all contact with customers or anyone else needing to have questions answered. This is a very dangerous practice as people 's credit/financial status is at risk. Paypal did not do their due diligence when opening this account. I did not receive an Adverse Action letter nor did I receive any Enhanced Due Diligence Letter during the account opening process. No other contact was made by Paypal to verify if the application was fraudulent or valid. I have made every reasonable effort to contact Paypal regarding this account that was opened fraudulently and it seems as if Paypal has made a deliberate effort to avoid being contacted. | ||||||
| 06/22/2022 | Yes |
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| XX/XX/2022, Received an email from PayPal stating : You can't use PayPal anymore We noticed activity in your account that's inconsistent with our User Agreement and we no longer offer you PayPal. You can still log in and see your account information but you can't send or receive money. Anymoney in your balance will be held for 180 days, after which we'll send you an email with instructions about transferring your money. I opened the personal account on XX/XX/2022. In order to receive money from my father while I was out of town. The account was set up and used for him to send emergency funds to me. Now they are holding my balance of {$240.00}. Which was money sent by my father to cover expenses during this situation. The account was only used so I could receive money from my father, who already had an account. All transactions were completely legal. I only received money from a relative. The only other use was to make a few necessary purchases hotel rooms and XXXX. There was no other activity. Completely legitimate transactions under the PayPal rules and policies. When trying to send funds to my bank/debit card, it wanted further verification. I sent my ID and immediately after I sent my newly opened account statement they sent the email mentioned above on XXXX, XXXX. They did not ask for any other information. The account and money in it are mine alone. I do not sell or do business or purchase prohibited products and have no idea why they wouldnt let me transfer or send my money out of the account before they decided to close the account. XX/XX/2022, they closed my account and refused access to my balance of {$240.00} for 180 days. The explanation for the delay does not apply to me. Because there are no outstanding issues. All purchases were completed and all money transfers were to only me and sent from my father for nothing in exchange. Just a gift. On XX/XX/2022, I called and complained and asked for a swifter resolution, in order to have access to my funds. They responded they will send an email in XXXX instructing how to receive that money. I was told they would submit my case for a secondary review. Which I will be notified in about 5 business days later. I have no reason to believe they will grant access to my funds sooner or actually communicate the concern, so I can resolve this issue. PayPal has been quite deceptive. Freely allowing money to be deposited into the account held by them, but making it difficult to use for purchases or to send and withdrawal. The account only open a month and not used much. PayPal must return my money to me as soon as possible. And contact me in order to insure they have the correct contact info needed to make sure the funds are sent to my address or other account. I never experienced money being withheld where none is owed. I appreciate the agency helping to correct these improper holding of my personal money and to resolve any misunderstandings. | ||||||
| 02/14/2020 | Yes |
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| On XX/XX/2019, Paypal sent me an email informing me that my account has been permanently limited and that I can no longer do business with Paypal because Paypal had detected activity that violates Paypal 's buyer protection policies. After researching the matter, I discovered that I had in no way violated Paypal 's buyer protection policies and that it was not possible for me to have violated Paypal 's buyer protection policies because I never had any transaction dispute claims filed for any of my transactions. I immediately tried to notify Paypal about this matter over the phone, and was shocked by the tone-deaf response of Paypal customer service whom insisted that the decision was final and could not be overturned despite the fact that their accusation was false and could be easily be proven false with a review of my account 's transaction history. Due to Paypal 's unwillingness to address the problem and acknowledge their error for permanently limiting my account I filed a complaint with the XXXX XXXX XXXX to hopefully get an amicable and viable resolution. In my complaint I specifically addressed the reason for Paypal 's decision to permanently limit my account, and disputed their claim that I had violated Paypal 's buyer protection policies. The response I received from Paypal for my complaint was outrageous, due to the fact that Paypal failed to address the nature of my complaint by refusing to acknowledge that they made an error in accusing me of violating policies that I clearly did not. Furthermore, Paypal 's response to my complaint took things one step further in the wrong direction by falsely accusing me of having multiple accounts and sending money to myself. Paypal claimed that the accounts I have been transacting with share the same name, address and social security number. Becoming very concerned about these new accusations, I contacted Paypal to get more information about these other accounts with my name, address and social security number, because I only know of having one account with Paypal. It was eventually disclosed over the phone that Paypal had falsely assumed an account that belongs to my brother was mine. I explained to Paypal that my brother and I have different names, addresses and social security numbers which the representative confirmed. In my last phone conversation with Paypal, the Paypal representative also admitted that I did not violate Paypal 's buy protection policies after a review of my account history but refused to overturn the decision to permanently limit my account. Despite the all the evidence that is available to Paypal, Paypal refuses to acknowledge its error in taking such adverse action against my account for false reasons. It is despicable that Paypal would refuse to restore my account when it is evident that Paypal has not performed its due diligence which resulted in falsely accusing me of things that are untrue and ultimately banning me for life. | ||||||
| 06/25/2021 | Yes |
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| In late XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX, which from what I understand is a collection unit of PayPal , Inc . It said that I owed them {$7000.00}. I have never in my life had a PayPal account and honestly had no idea you could owe them money as I thought it was basically an internet wire service where you had to have the money upfront. Clearly this is not the case, as I would later find out, though I still don't completely understand how these scams work. After calling PayPal 's customer service and fraud areas and spending countless hours on the phone, two separate investigations concluded that they could find no evidence of fraud. What's really galling is they will not give me any information about the account history or anything else that may help me prove that I did not make these charges or whatever they are because I could not provide the correct e-mail address or phone number on the account. That is tough to figure out when the fraudsters gave their own contact info so that I would not be contacted. One customer service agent did tell me ( I believe against their rules ) that it had to do with web development services and asked if I had ever done that type of work. I just laughed as I'm a pretty big technophobe and still use a flip phone. Apparently, these charges that I still don't understand happened between XXXX and XXXX of XXXX until the account was closed by PayPal. While I understand that the account was opened with basically all of my information other than the e-mail and phone, I find it hard to believe that it would not be simple to prove that I did not make these transactions or open the account if they actually did a real investigation. I believe I could prove it if I had access to the account transaction history and other account details that they refuse to provide. I don't know the exact date but I did send a letter to the collection agency saying that it was identity theft and not to contact me again. On XX/XX/XXXX, I filed a police report with the city of XXXX as I was instructed to do by an identity theft attorney in XXXX. I also submitted an identity theft report with the Federal Trade Commission on XX/XX/XXXX. After many more phone conversations that went nowhere, I sent a letter on XX/XX/XXXX to the PayPal , Inc. legal department with proof of my identity, the police report, a completed FTC Identity Theft Report and requested all records related to the fraudulent account, which is required by law. I also included a copy of section 609 ( e ) of the Fair Credit Reporting Act, which requires them to provide me with this information. I received no response, but did get another collection letter from a different collection agency dated XX/XX/XXXX. On XX/XX/XXXX, I sent another copy of that same information to the PayPal , Inc. legal department requesting all information on the fraudulent account, as per my legal rights. Again, I received no response. | ||||||
| 01/08/2021 | Yes |
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| My phone is password protected for purchases. While letting my XXXX nephew, use my phone, a purchase was made. There is absolutely no way that he would know my password and my password does not auto fill when a purchase is being made. Any purchase that I made before and after the transaction in question has required that my password be typed in, as usual, but I believe that I know how the transaction in question was able to slip through. Before being charged for the 1-year subscription in question, there was 3 day trial period at no charge when the app was downloaded. Once I was notified of the charge for the yearly subscription to XXXX XXXX XXXX XXXX XXXX, I contacted XXXXXX/XX/XXXXimmediately and canceled the subscription. In their response, XXXX XXXX XXXX stated they were unable to refund my money and that I would need to contact the app developer. I reached out to the app developer, multiple times, with no response. I reached out to PayPal and was told they could not assist with a refund either. After that, I reached out to the XXXX XXXX XXXX again hoping they could help as the app developer was not responding. In our chat session, the representative informed me that had if I contacted them right away, they could have asked for a refund as a courtesy. The day of the chat session, the representative stated that she had tried to request a refund, but the request could no longer be put through because too much time had passed. I was very disappointed as I did contact the XXXX XXXX XXXX immediately and there was no offer to request a refund for me as a courtesy. The possibility of requesting a refund as a courtesy was only mentioned after it was no longer an option. To me, it just doesn't seem right that there is no recourse, that an app developer can simply choose not to respond. Using the XXXX XXXX XXXX is necessary on android phones to access apps for download, yet having it, even with password protection, puts you at risk. The XXXX XXXX XXXX is the platform that apps use to connect with consumers, just like when we go to a department store to purchase a product from a manufacturer. If a consumer has an issue with a product purchased in a store, the store does not respond by telling the customer to contact the manufacturer, ( unless it's a warranty issue ) and if the manufacturer doesn't respond, you're out of luck. I realize, in the grand scheme of things, app stores, apps, and purchases with electronic payment via PayPal are relatively new, but situations like mine are not uncommon. It doesn't seem fair to consumers like myself that app developers can choose not to respond and the platforms that allow app developers to connect to consumers and receive payment from them can turn a blind eye to practices such as this. I am hoping, even if I receive no resolution and I am simply out the {$64.00}, that this information will prompt change and more consumer protections will be put into place. | ||||||
| 03/27/2017 | Yes |
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Web | Servicemember |
| About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. We thank you in advance for any assistance you can provide to us. Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse ) | ||||||
| 11/29/2023 | Yes |
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Web | Servicemember |
| Dear Sir/Madam, I am writing to express my grievance against PayPal regarding their handling of a fraudulent transaction on my account, which has led to significant financial loss and distress. This complaint highlights PayPal 's failure to conduct a thorough investigation into the fraudulent activities involving my account. Incident Overview : On XX/XX/XXXX, I inadvertently contacted a fraudulent tech support line, assuming it was PayPal 's official customer service. During a desktop sharing session, under deceptive pretenses, I was tricked into sharing my debit card information. This led to unauthorized transactions : {$980.00} transferred into my PayPal account, with {$890.00} subsequently sent to XXXX XXXX XXXX. Additionally, {$1800.00} was illicitly withdrawn from my bank account into PayPal. I detected the fraud, immediately ceased the session, and reported the incident to PayPal. I was informed by PayPal that they were able to freeze the transaction and will not release it to XXXX XXXX XXXX until a thorough investigation is concluded. Inadequate Investigation by PayPal : Despite my immediate action and a dispute case ( Case ID : XXXX ), PayPal concluded on XX/XX/XXXX that the transactions were consistent with my payment history. This finding is grossly erroneous. I have never engaged in any transactions with XXXX XXXX XXXX. Had PayPal conducted a proper investigation, they would have likely discovered that XXXX XXXX XXXX 's account was potentially created on the day of the fraudulent activity. Furthermore, the account likely received numerous incoming transactions, some of which may have been disputed. Such patterns are clear indicators of fraudulent activity, which PayPal seemingly overlooked. Impact and Request for Resolution : This situation has resulted in a financial loss of {$890.00}, including the {$890.00} sent to XXXX XXXX XXXX and a {$4.00} transaction fee. The lack of a comprehensive investigation by PayPal has caused me significant emotional distress and eroded my trust in their services. I am seeking a full refund of the said amount and demand a detailed explanation from PayPal regarding the lax nature of their investigation. I also request the Consumer Financial Protection Bureau to scrutinize PayPal 's practices in handling such fraud cases. It is essential to ensure that PayPal and similar institutions have robust mechanisms to protect consumers from similar frauds in the future. The handling of my case by PayPal has highlighted serious deficiencies in their fraud detection and customer protection protocols. This incident underscores the need for more stringent regulatory oversight in the digital finance sector to safeguard consumer interests. Thank you for considering my complaint. I am prepared to provide any additional information or documentation necessary to assist in this matter. I look forward to a prompt and effective resolution. Sincerely, XXXX XXXX | ||||||
| 07/10/2022 | Yes |
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Web | Older American |
| On XX/XX/2022, I used Paypal & its subsidiaries to book a stay with XXXX for a total of {$2300.00}. Payment confirmation attached in Exhibit XXXX. Paypal processed the payment in the wrong currency ( GEL instead of USD, at a punitive exchange rate ), even though the website showed a price in USD. I attempted to undo the transaction, and submitted a dispute resolution claim to Paypal to change the currency. The claim was intended to be submitted for an amount of {$0.00}, as I was not disputing the transaction itself, but I accidentally fat fingered {$0.00}. When I attempted to correct the amount or withdraw the claim, the Paypal website crashed and continued malfunctioning. On or about XX/XX/XXXX, I called Paypal in an attempt to resolve the issue. The Paypal call center agreed to correct the currency but refused to undo the claim, on the grounds that it is a small amount and it will die itself. On XX/XX/XXXX, I received notification from XXXX that my reservation was cancelled because of a dispute with Paypal. Email attached in Exhibit XXXX. I subsequently received a separate notification from Paypal that my dispute for {$0.00} was approved Exhibit XXXX. However, I was not refunded the full amount of the reservation the remaining {$2300.00}. Upon receiving notification of cancellation but no refund of the 99.997 % of the purchase price, I attempted to open a new claim with Paypal for the remaining {$2300.00}. However, the Paypal website prevented me from doing so as a claim on the same transaction was already approved. After multiple futile attempts to have Paypal reopen the claim through its website, I contacted XXXX on XX/XX/XXXX. Record of our correspondence attached in Exhibit XXXX. XXXX stated that I should contact Paypal as funds had been returned to Paypal, with transaction ID XXXX. On XX/XX/XXXX, I called Paypal. Paypal opened a new claim, however, it was denied on XX/XX/XXXX denial attached in Exhibit XXXX. Paypal motivated its denial on the grounds that the item or service was delivered to you, according to Paypal records. Nonetheless, the reservation continued to be clearly cancelled per XXXX records ( screenshot from XXXX website in Exhibit XXXX, incremental to cancellation email in Exhibit XXXX ). On XX/XX/XXXX, I tried once again to call XXXX, who once again confirmed that a full refund was provided to Paypal ( see XX/XX/XXXX message in Exhibit XXXX ). I once again called Paypal, which once again refused to provide the refund. Record of message sent from Paypal attached in Exhibit XXXX. I have received no further communications from Paypal. In sum, Paypal XXXX wilfully misled me as to payment currency, XXXX caused a cancellation of my reservation with XXXX, XXXX refused to consider compelling evidence of non-delivery of service to me, and XXXX engaged in unjust enrichment by refusing to return to me funds that were refunded to Paypal by XXXX, as confirmed in writing by XXXX | ||||||
| 08/01/2020 | Yes |
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| My PayPal was used to make unauthorized purchases of {$100.00} twice on XX/XX/XXXX. This was solved and I was refunded the money. I changed my PayPal email and password, ordered a new debit card through my bank and, and setup 2FA on my PayPal account. Then on XX/XX/XXXX, a money transfer of {$1200.00} was sent using my PayPal account, and a {$300.00} gift card was purchased using my debit card through PayPal. The {$300.00} charge was unable to be dealt with on PayPals end because it didn't show up in my account. However, I opened a dispute for the other transaction, only to have it be closed within a minute or two. At this point I called my bank ( XXXX XXXXXXXX XXXX XXXX ) and canceled my card, created a new email account and changed my Paypal password and email. The new email was used for the email setup part. When I attempted to contact PayPal via phone, I was told that they are not accepting phonecalls. I attempted to contact them through their message service on their site twice but was never transferred as promised by the service agents I spoke with. Before being " transferred '', both told me they would not give me a refund because the dispute was closed and had been labeled as " not unauthorized '', and it was impossible to open another dispute. When i checked my Paypal messages the next day, I noticed a reply from " me '' that was not made by me. This stated " no problem here, thanks '' or something to this effect. This message was sent at XXXX EST, a time that I was asleep and all my devices possibly able to access PayPal were off. From this I realized that my account had been completely compromised. This was the reason why my dispute with Paypal was closed so quickly. This is after changing every account setting and using every possible security measure. I also used virus and malware scanners on every single computer ( 1 XXXX and 1 PC ) I had ever accessed this account on. I also checked my phone for the same ( Android ). No issues were found. I am highly suspicious that this access is being made by an employee at PayPal, and my inability to contact them and have them investigate this has been extremely infuriating and has dealt me a great deal of anxiety wondering how much more my finances will be damaged. I had no other choice but to file chargeback disputes with my bank, and to close my PayPal account. As a final note, I recall the Paypal rep I spoke with after the XX/XX/XXXX incident telling me that the charges were made from the " same IP Address I used to sign in normally with ''. This is even more suspicious now after doing extensive virus scanning and my devices not even being powered on during the illicit message that was sent using my account. I am fed up with PayPal and their complete neglect of security and basic customer service. I will do everything in my power to warn others of this experience and hopefully prevent others from suffering from the same. Thanks. | ||||||
| 11/07/2023 | Yes |
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| My XXXX XXXX XXXX brother asked me to help him find out who sent him a box of brownies from Amazon with no return address. So i googled Amazon Customer Service and at the top of the page with Amazon Customer Service, it said SPONSORED IN a XXXX box. So I called it and the call was answered by a foreign man and he answered THIS IS AMAZON HOW CAN I HELP YOU??? I was no where close to even be thinking FRAUD. So I said my brother received a box from Amazon with no return address and we are wanting to find out who it is from. I have called the company who made the product inside, and they said that they can't help me because the order went through Amazon. I called XXXX this amazon. And a foreign man says before we can start, I need you to identify yourself that you are who you say you are. We are a very large company and we do this to prevent fraud. At, this point, I was still not thinking FRAUD. He says I need you to send me {$1.00} through Venmo and I will turn around and send it back to you. Still not suspicious. So I did have my phone out to make sure he received my dollar and he returned it back. So he put me on hold, to transfer the money back, and then I see that he got into my account and took {$2900.00} from my account when I was on hold. I was hysterical, I was screaming put my money back. So then he apologized and said he was going to put it all back and that it was his mistake and then he had to put me on hold and then I see that he took another {$990.00}. Then it hit me, OMG!!!! This is FRAUD. I then blocked that number. Then the rules say to settle it with the seller, but by then XXXX was gone, deleted, no longer on Venmo. But when she came back, she had XXXX different names. I was now beyond hysterical. Ready to XXXX. I don't work and this is my house payment money. So now I call XXXX XXXX and ask them to stop payment to Venmo, or can you reverse the charges. They said they could. So Everything was fine. On XX/XX/2023. So they got my money back. Yay! Noo, Boo! I get a letter from XXXX XXXX that said We are taking our money back on XX/XX/XXXX. After their investigation they found that the money that was reversed was actually a legitimate transaction. I freaked out. The money was taken from my account went to my daughter, XXXX XXXX. XXXX has nothing to do with this They saw her name frequent on the Venmo sight and said I gave the money to my daughter. But, all the records say the money went to XXXX XXXX, I have no idea who that is!!! And XXXX XXXX, doesn't know if I am telling the truth or not I called XXXX XXXX, Venmo many times, city police, FTC, Attorney General of Nebraska, Debit Card Fraud Division, XXXX number from the real site, and I waited. Only to find out that no one was doing anything to get my money back. I still don't have my money and my account is very low. if you can't help me, please let me know ASAP. I have to get this money back. I will attach my screen shots. | ||||||
| 07/17/2015 | Yes |
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| Paypal Credit. I have a regular PayPal account that is linked to a credit card. I have had it for years and have never had any problems with using it for on line purchases from various vendors. Today, however, I purchased a XXXX and a protection plan from a vendor on Ebay. I selected Paypal as my method of payment. The paypal log in screen came up as usual. I logged in, then clicked on " purchase '' and I got an order confirmation. As I recall, it did ask me to confirm my identity with my date of birth and last XXXX of social. I thought maybe that it was because I had n't ordered anything from ebay in a long time. A couple hours after placing the order, I got an email from Paypal thanking me for using Paypal credit to make this purchase and it had a name of XXXX XXXX Bank, which is not my credit card bank. I was furious that they had signed me up for credit without my knowledge or permission. I called PayPal. They told me that they had already approved the payment to the vendor so there is nothing they can do ; they offered to cancel the Paypal Credit account, but told me the payment for this purchase would still have to be made to them and then they told me they do not accept credit cards. For an on line purchase! This is a total scam. This is a way for PayPal to try to force me to give them my bank account information. They want me to link my PayPal account to my bank account, something I have repeatedly declined to do every time that they have offered. I am just flabbergasted that they are doing this without any signature from the customer. They told me that when they asked for my DOB and last XXXX of social, that was me agreeing to apply for PayPal Credit. It never said anything like that, though. It never even mentioned PayPal Credit. I am not some dumb illiterate person who does n't understand what I 'm signing up for. I have excellent credit and carry very little debt and I would never have agreed to this had there been any language at all that indicated that it was an alternate method of payment than my normal PayPal account. It just said they needed to verify my identity. I just XXXX this after it happened and saw that they have already been fined for this, yet here they are months later still doing it. They need to be put of business, ordered to cease and desist doing this immediately. This affects people 's credit reports and this is just wrong! Many people do not even have checks anymore and use credit cards and electronic banking for everything, yet PaPal Credit is illegally signing up unaware customers for credit loans that can only be paid for via a linked bank account or a personal check. You obviously need to send a much stronger message than the simple fine you slapped on them earlier. I do not know if this happened because this was a purchase on E-Bay, who was formerly affiliated with PayPal, but it seems suspicious to me that it has never happened with any other vendor. | ||||||
| 10/21/2021 | Yes |
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Web | Older American |
| On XX/XX/2021, I set up a personal fundraiser through PayPals Generosity Network. I requested to raise the maximum amount allowed of {$20000.00}. The fundraiser was set to be live for 30 days, through XX/XX/2021. I followed the guidelines precisely. Then I sent the link to my fundraiser to some family and friends. In my fundraiser, I asked for help paying with for an extraordinary amount of XXXX XXXX XXXXXXXX I need to have but, for which, I do not have nearly enough money. Within a short period of time on XX/XX/XXXX, a friend donated {$500.00}. I was notified by PayPal. My friend also sent me an email to that effect. Almost immediately, PayPal placed limitations on my account, limitations which prevented me from accessing my money. They offered no explanation other than something was suspicious. I am guessing they could not believe a friend would give a friend {$500.00} to help her out. Over the next four days, I continued to receive emails regarding more information I needed to provide. I was able to provide most of the info, but not all of it because the website kept crashing when I tried. Over the course of this same time period, I spoke with at least seven different people, none of whom would tell me why the restrictions had been placed. They just kept telling me I had violated the user agreement. Plus, they kept referring to the goods I was selling. I WAS NOT SELLING ANYTHING. IT WAS A DONATION ACCOUNT INTO WHICH MY FRIENDS PUT MONEY TO HELP ME WITH DENTAL EXPENSES. Ultimately, on XX/XX/XXXX, i received an email telling me I was permanently banned from using PayPal and that they were holding my money for 180 days to investigate the suspicious transactions. They also insinuated that I was selling illegal merchandise. I then emailed the corporate headquarters and each of the three top executives. On XX/XX/XXXX, I received a phone call from someone saying he was from the corporate office. He promised to resolve things. Well, he did nothing but give me the same empty speech about my account being permanently blocked because they suspect fraud. No explanation regarding what fraud they believe I committed. No explanation about a personal fundraiser was somehow categorized as selling merchandise, merchandise they said was either not delivered or was illegal or both. I dont know what to do because I dont know what I did wrong. I have since found out that PayPal can hold peoples money for whatever reason they want, and they do not have to explain why. How can this be legal? Plus, how can they legally accuse me of wrongdoing but not tell me what the nature of that wrongdoing is. In the United States, people are supposed to be told what they are being accused of. I need to know what to do. Plus, I believe this practice PayPal so proudly waves in peoples faces needs to be investigated. I also question holding someones money when they have done nothing wrong. Can you help me? | ||||||
| 08/05/2018 | Yes |
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| I opened an account with PayPal on XX/XX/2018 and after I got things set up I immediately was told via email that my account was locked and limited in access. I went thru their process of uploading documents to regain access : I uploaded a bank statement, utility bill, and even my driver 's license, passport card, and I believe also my social security card to prove my identity. What happened was they attached an account to mine ( and I provide that account name in the docs ) that I've never seen before -- it is not mine. As you'll see from the many documents I provided, they repeatedly dismissed what I said, what I sent, and kept asking me to pay nearly {$600.00} of a debt I do not owe! The exact amount is {$580.00}! Moreover, they repeatedly kept sending generic, seemingly computer-automated emails requesting the SAME INFO I ALREADY SENT, as well as info I would not and DO not have as a new account holder. After dealing with their extremely impersonal system via their website & email, I decided to see if I could get something done via social media, so I tweeted to them and them messaged them. Long story short, it was also of zero help to me, and one of their reps by the initials XXXX was very off-putting and unprofessional ; their social media customer service is useless. It was after all of these nightmares that I got a useless letter in the mail -- which is attached to this complaint -- dated XX/XX/2018 and postmarked XX/XX/2018. The letter basically said that I owe this amount and that everything is 'true and correct '. By the way, for a debt I DO NOT OWE, for an account I DO NOT KNOW ABOUT, and with NO PROPER INVESTIGATION OR PROOF. They have no clue if the email address of the account they're saying is mine is actually mine, nor did they give me proof. They have no clue if any transaction on that other account was made by me, and they did not provide proof of this either. If proof is not required when demanding someone pay a debt, it's not only unethical, but dangerous to my person & identity as a consumer. It's like my hands were/are tied. After I tried all I could online, I sent in a letter to their legal/civil department ( certified ) and to their customer service address ( regular mail ). I disputed this charge and all of what was told to me by them, citing the FCRA and FDCPA, particularly Section 623 of the FCRA, requesting an investigation and results of their investigation. I do understand that a consumer must first dispute the credit bureaus, but PayPal is slick by not putting this false, unverified account on my credit reports. Remember though, I did work directly with them and THEIR METHOD of regaining account access ; with that in mind, what in the world else am I supposed to do to avoid paying a debt that isn't mine?? The letters were mailed and received by them in mid XXXX. It is now XX/XX/2018, well over the required 30 days, and I have not heard one word from PayPal. | ||||||
| 03/24/2023 | Yes |
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Web | Older American |
| I received an email purportedly from Paypal ( which I now believe to be a phishing email ) about a alleged purchase I made through the Paypal service using a credit card issued by XXXX XXXXXXXX. I called the number ( mistake number two on my part ) and an agent answered the phone as customer service and preceeded to help me. He said to go to a website ( XXXX ) and download their software so that he could remotely get into my PC, which I did. the next thing I know he said he removed the charge and replaced it with this charge : XX/XX/2023 PAYPAL XXXX {$820.00}. so I cancelled the credit card being used and replaced it with another as they said that they needed a way to reimburse me. As I talking with him I see the same ampoount charged to the new card, which I did not authorize. I then called XXXX XXXX to report both Frauds.I also called the corredt number for Paypal and put in a Fraud claim for both charges. I just received the following email from Paypal and you can see my reply to them. I called the number I have for the fake Paypal employees and the message said that the text-now user was unavailable. I called from another phone number I have and they answered and said that they were still wirking on my case and would let me know in XXXX hours. I threatened legal action if it was not resolved to my satisfaction. The number I have for the fake Paypal employees is XXXX and I have been speaking to XXXX ( I am sure not his real name ). Please help as I am a XXXX XXXX XXXX XXXX man and I also believe this is elder abuse. XXXX XXXX XXXX. Hello, XXXX XXXX PayPal An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. You also previously appealed this case and it was denied. The appealed case ID is XXXX XXXX Based on our review, we found this transaction is consistent with your PayPal payment history. Based on our review, we found this transaction is consistent with your PayPal history. For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. PayPal XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to claimappeal I am not sure how you denied this claim, I did not authorize this charge, then I was scammed by two individuals pretending to be Paypal customer service representatives. They are using- a burner phone by a Text Now service, I am quite sure that Paypal would not use these two individuals. Further I have very rarely used Paypal and I did not in these two instances, ple-ase review it again and call the number I provided to your agent as the Paypal customer service XXXX and review the obvious phishing email I received that started this issue ( copy below ). | ||||||
| 07/13/2015 | Yes |
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| About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions. | ||||||
| 11/17/2022 | Yes |
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| PayPal is not letting me login to my account to access my funds. When I try to contact them there is no one available, they don't offer a reliable or helpful way to get assistance for the problems they cause, thus my problem has not been fixed. The problem originates when I try to login and they demand this : " We just need some additional info to confirm it's you. '' I did not turn on, nor do I want 2-step authentication, but they force this feature on me and the result is I'm being locked out of my account. They're illegally blocking me from accessing the funds in my account. To successfully login they want me to use a code that they send, but they are unable to actually send me one. To send a code they offer two options, 1 ) they can call and give me a code, or 2 ) they will text a code. But the reality is they do not call when I request a call. My phone remains silent. I've tried several times, always to no avail. Then they tell me I must get the code via text, there is no other choice. I'd rather not share any more personal info with PayPal because, for obvious reasons, I can't trust them. But they give me no choice and I'm forced to add a phone number to get a text. When I add my number they tell me " This type of phone number isn't supported. Check your number and try again. '' So now I'm totally locked out of my account and they are illegally preventing me from accessing my funds. I don't know why they can't accept the phone number I want to give them, it's the exact same U.S. phone number I use for other accounts ( e.g. bank accounts ) to receive security codes via text. But PayPal refuses to use this number. The only other number I have available is a mobile number that I can't receive texts on because I've permanently blocked all texts on that number. So they won't call me on my preferred number, and they won't text me at that number either. In effect they are discriminating against me for not having a phone number that they like. PayPal is abusing their position of power to deny me access to my account and my funds. If I could I would cease all business with PayPal, but unfortunately some of the work I do can only be paid via PayPal, so I'm trapped dealing with them. I'm sorry they are such a horrible company who leave me no choice but to file official complaints just to get them to perform basic functions like allowing access to my account. They should be heavily fined for wasting valuable government agency time, and they should be made to compensate me for the time I've had to take away from other productive activities to write this complaint. PayPal is a drain and a scourge on America and all the people who have to deal with them. If you are unable to fine them for their bad behavior, at the very least I still need access to my account, I want them to quit playing games with the login procedure and let me in to my account without hassle or delay, now and in the future. | ||||||
| 11/05/2019 | Yes |
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| There are two cases that have come up recently involving Paypal that has led me to believe that the company is unconcerned about consumers. Their incoherent rules and unwillingness to investigate suspicious behavior further ends up helping scammers rather than deter them. There is a reason scammers love to use Paypal to pull off their scams - they know they can use the company 's rules and general uncaring attitude against their victims. I have been the victim of two scams over the last year. In each case, I filed a complaint with Paypal ( see details below ). In both cases, Paypal ended up favoring the scammers. Paypal Case XXXX ( XX/XX/XXXX ) The scammer is posing on XXXX as a seller of sports tickets. The scammer claimed that they had tickets available for an event. I corresponded with the scammer via text messages. The scammer shared their Paypal e-mail address and agreed to send over the tickets once payment was received. As soon as I made the payment of {$150.00}, they stopped responding to my messages. Once I realized I had been victimized, I tried to stop the payment by claiming it was an unauthorized payment. Unfortunately, Paypal stated that because the payment was sent as a personal payment, they couldn't help at all. On top of that, they said that they investigated the IP addresses, which showed that I had made the original payment. They never bothered to investigate the scammer 's IP address. I feel that a consumer can very quickly find out once they have been scammed. Thus, by not allowing a user to cancel a transaction within minutes, it is allowing scammers to pull off these scams. Paypal XXXX ( XX/XX/XXXX ) This is a scammer posing on XXXX who wants to buy tickets. In this particular instance, I had posted two tickets for a sports event. The scammer made contact with me and purchased the tickets for {$210.00}. The scammer paid via Paypal, received the tickets, and there is proof ( from XXXX ) that the tickets were used at the event. A few days after the event was finished, the buyer claimed the Paypal transfer was unauthorized. They got their bank involved and were able to get their money back. The scammer refused to reply to my messages, pick up my phone call, or respond at the e-mail address that was used to receive the tickets and make the payment. In this case, Paypal refused to help me once again and simply took the money out of my account. As you can see from the above, Paypal is being abused by scammers to perpetuate their crimes. I know that consumers have to be careful, but Paypal is completely shunning their responsibilities as a financial institution. Paypal prides itself on being a company that values security and protects buyers/sellers. However, this is simply lip service. They care only about their bottom line. They are just as guilty as the scammers out there because Paypal provides them with an easy avenue to get money from their victims. | ||||||
| 06/27/2017 | Yes |
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| Dear representative, THIS IS NOT A DUPLICATE COMPLAINT. This complaint is brought forth with new and previously unaddressed evidence. The PayPal representative who initiated a transfer of funds from my account into a family member 's linked negative account assured me that my accounts would be granted full access once the negative balance was resolved. To have this key point unaddressed after over {$300.00} was transferred from my account is nothing short of fraudulent from PayPal. I am requesting for the remainder of the balance on my account XXXX be made available for immediate withdrawal and for full access to be granted to all my accounts ( information detailed below ). I was made a promise by a company representative which was not upheld. To summarize, I possess three PayPal accounts ; Account A ( XXXX ), Account B ( XXXX ), and Account C ( XXXX ). Quoted from a previous response : " Due to your engagement in a restricted activity, we are not overturning the limitations on Accounts A, B and C. '' The restricted activity was defined as creating new or additional PayPal accounts in order to circumvent a negative balance or limited account. My first two accounts ( Accounts A and B ) were both permanently limited due to a linked family member 's account which had a negative balance ( XXXX ). To resolve this issue, I opened a new PayPal account ( XXXX ), and called PayPal assets recovery to initiate a transfer from that new account to the family member 's account with a negative balance. Records will show that a successful transfer was made. In fact, the PayPal representative who made the transfer assured me that my accounts will be restored access once the transfer was complete. To subsequently have my complaints not be addressed after this transfer is nothing short of fraudulent. This new account was made with the good intention of resolving that negative balance. I was not intentionally trying to violate PayPal 's User Agreement or participate in a restricted activity. I was attempting to resolve the family member 's negative balance as soon as possible, and this creation of this account ( XXXX ) was in good faith. I have already outlined the reasons why my business is n't high risk, carefully detailed in complaint XXXX. I am requesting that my accounts ( XXXX, XXXX, and XXXX ) be restored full access. I also request that the current balance which is held on my account ( XXXX ) be made available for immediate withdrawal. I comply with PayPal 's User Agreement, and would never compromise that trust. As detailed above, the third account was created with the sole good intention of resolving a negative balance on a family member 's account. {$300.00} was transferred from my account to the family member 's account to correct the negative balance. Thank you for your time and consideration, and do not hesitate to contact me if any questions arise. | ||||||
| 11/22/2018 | Yes |
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| On XX/XX/XXXX I used XXXX to send a payment of {$120.00} for tickets. Unfortunately, the " verified account '' was fraudulent - using someone else 's name and photo which they stole from the internet. I immediately reported to XXXX that I had sent payment for tickets to the " verified user '' and that they did not send tickets in return. XXXX customer service informed me that XXXX does not protect users from this type of scam, but encouraged me that they would likely be able to get my money back from the fraudulent account. I also asked if I should use stop payment from my bank, and they advised me not to because it would stop payment to XXXX, but the fraudulent account had already been sent the money so they would need to get it back from them. They again advised me that I would likely get my {$120.00} back, they just needed to go through their process. The next day. On XX/XX/XXXX, I received an email from XXXX stating " It appears that person you were transacting with did not fulfill their end of the transaction. At this point, XXXX does not allow peer to peer merchant related transactions and we do not offer any buyer or seller protections in these types of cases. These violations of our User Agreement are very high risk and can result in problems for our users. Please remember that XXXX is a simple way for friends and people who trust each other to send money, and it is not designed for uses beyond this purpose. When transacting with people whom you don't know or trust there is always the potential for problems to arise. '' I called XXXX and they stated they would not be helping to get my money back despite acknowledging that the person did not fulfill their transaction. '' A week later, on XX/XX/XXXX, the fraudulent account was still active in XXXX, likely continuing to take advantage of other people and steal their money using XXXX. I was able to track down the work phone number and email address of the person who's photo and name were being used by this fraudulent account. I sent that information to XXXX, filed a police report, and contacted the person who's identity was being used by this " verified user. '' Only after the person who's identity was being used called XXXX and I sent XXXX information of my police report and the information showing that the account was fraudulent, did XXXX finally, on XX/XX/XXXX, send me an email that the fraudulent account that stole {$120.00} from me was frozen. XXXX has still refused to get my money back from this person. I had to file a complaint with my bank who is helping to get my money back from XXXX. XXXX has since frozen my account and sent an email that I " owe them {$120.00}. '' This has been a terrible experience and XXXX has been completely unhelpful as they've allowed someone to scam me and continue to use their platform to scam others. Completely unacceptable business practice and terrible customer service. | ||||||
| 05/19/2020 | Yes |
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| On XX/XX/2020 at XXXX XXXX, I placed and order for cleaning products totaling {$70.00} and paid the seller using PayPal. My bank account attached to my PayPal account was charged {$70.00} to pay the seller which is correct. On XX/XX/2020 I received an email from PayPal giving me details of the shipment with a XXXX tracking # XXXX. Upon checking the tracking number on the XXXX tracking site, I found the products were shipped on XX/XX/2020 and delivered on XX/XX/2020 to a commercial address. These products were shipped prior to me placing my order. On XX/XX/2020, I emailed the seller and explained I never received the shipment. On the same day, I sent another email informing the seller what I had learned from XXXX. I also sent a message to the seller through PayPal. No response was received from the seller. XX/XX/2020, I filed a claim with PayPal and received an automated email, shortly thereafter, the claim was denied. On XX/XX/2020 at XXXX XXXX, I called my bank and filed a dispute regarding the {$70.00}. On XX/XX/2020, I made a bad decision, and gave PayPal another chance to review my claim that was denied. The PayPal agent overturned the denial and decided the claim in my favor and credited my bank account the {$70.00} which showed on my bank account XX/XX/2020. On XX/XX/2020, my bank made a provisional purchase adjustment crediting my account {$70.00} pending the dispute outcome. They explained to me if PayPal credits me the money then the dispute would be closed. On XX/XX/2020, I called my bank and told them I was credited back the money from the seller and asked them to close the dispute. They said I could not close the dispute myself that they would need to hear from PayPal even though the credit was reflected on my bank account. On XX/XX/2020, PayPal applied a negative {$70.00} on my PayPal account stating I received two credits and need to pay them back their {$70.00}. From XX/XX/2020 to XX/XX/2020, I continually had conversations with PayPal through their message center informing them they just needed to contact my bank and inform my bank they credited my bank account the {$70.00} and my bank would reverse their credit and close the dispute. However, PayPal keeps stating it's between me and my bank. I have given PayPal my bank 's Dispute Department phone number and the case number. PayPal will not notify my bank of outcome. I'm not paying PayPal back the {$7000.00} when after 90 days my bank will make the decision to remove their {$70.00} having seen the credit on my account. How can PayPal place a negative balance of {$70.00} on my PayPal account without showing it in my activity as to why I was charged {$70.00} back? I'm totally frustrated with the entire process. I can't do anymore than I have to rectify the problem. I hope that you can help me as PayPal is not cooperating and charging me {$70.00} now. Thank you. On XXXX | ||||||
| 01/02/2023 | Yes |
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| On XX/XX/2022, an invoice was submitted to my consumer PayPal account in the amount of {$610.00} from someone named XXXX XXXX in reference to " XXXX XXXX ''. I do not know anyone named XXXX XXXX and I certainly did not engage in any transaction related to " XXXX XXXX ''. Upon receiving an email from PayPal today that if I did not take action, the transaction would be approved for withdrawal, I logged into my PayPal account, clicked on the invoice for details, and received an error message. I can not inspect the invoice. So, I attempted to report the transaction as unauthorized using the PayPal Resolution Center, but when I walk through the steps, I receive this error message : " Were sorry, you cant file a case on this type of transaction. Please refer to our User Agreement for more details. '' When I referred to the User Agreement, it told me to contact customer support by calling ( XXXX ) XXXX - which I did- but their message system does not enable human contact. I can not report the transaction as unauthorized. So, I tried to report it using their online chat system, but this proved to be a robo-chat system that likewise refuses communication with a human customer service representative. I tried to remove all three methods of payment on file with PayPal, but PayPal refuses to permit me to remove the one with the pending unauthorized transaction. I sent two emails to PayPal, one to XXXX and another to XXXX. I've receive auto-replies, but not customer support. The auto-reply notifies me to contact my bank if I think there is an unauthorized transaction. Consequently, I did contact BOA and altogether cancelled the card for which the fraudulent transaction is pending. However, it's likely the charge will be passed along to the new card that will be issued. I am a XXXX XXXX and I actually specialize in representing fintech companies. The lack of meaningful customer service completely plagues money transmitter companies resulting in rampant fraud that money transmitters pass on to banks, and this results in higher banking costs to the banks and to consumers. If PayPal is doing this to me, then they are doing it to tens of thousands of consumers. This behavior is prohibited by the GLBA and, per regulation P, is the responsibility of the CFPB to address - and it can do so via the enforcement of the GLBA safeguards rule that requires an adequate written information security program that addresses this deficiency. I want to see PayPal held personally financially liable for ripping off consumers by refusing adequate customer service and means to address fraud on consumer accounts, and I want to see them be forced to implement changes recently enforced on XXXX and other money transmitters in the crypto-industry. Those changes helped, and there's no reason why PayPal shouldn't be held to the same standards. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 02/22/2019 | Yes |
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| I opened a merchant account for credit card processing. I was instructed to immediately start processing transactions via manual keyed input. During this time i was also contestant instructed to upload company ID and personal ID to verify the account. I did this and was told repeatably that i was approved and everything was verified. When i would try to access my money from their system to transfer to my already verified bank account, i was again met with i needed to resend ID 's for account verification. A pending transfer from Paypal account to my bank was put on hold during this time and then later reversed and the money was frozen and put on hold in their system. I continued to take credit card transaction payments and once again i was told my ID checked out and it would be 24 hrs for the back office to make a decision to release the funds. I tried to transfer another amount from my merchant Paypal account to my already verified bank account and was again met with i needed to verify my bank account and company ID along with personal verification.So this transaction was now stuck in pending mode with a restriction on my account due to to many manual keyed entries and no card swipes along with pending ID uploads again. I was doing this bc they instructed me to go ahead and key in the card numbers till my swiper arrived.When i would call customer service they told me the system was down and it would be 24 hours before i could reach anyone to look up my verification approval. At this point i asked for a legal department and dispute resolution officer. I was told that there was no way to get in contact with such departments and was told to try in 24 hrs again. I called once again the next morning as soon as they received calls at am and i voiced my growing concern about the repetitiveness of the ID verification and now 2 pending holds my money transfer. I was put on hold while the call center lady asked a senior supervisor to approve the ID 's and release the holds. She came back on a said yes your all approved and free to move around with no restrictions. However the funds availability would yet be another 24 hrs and she said rest assured sir we are working on it. 4 hours later my account was once again restricted and i was asked again for further company ID and personal verification and all my transactions had been suspended and all money was put on hold or pending transfer status until additional company and personal ID verification was complete. This cycle has contained to repeat itself daily and i'm always told 24 hrs. Today they said it was going to be 30 days now before any of my money was going to be available bc thats just the way it works with them. The representative stated that Paypal was just a mere middle man in merchant processing accounts and the third party that they used for the transaction payments would further delay the process of money acquisition. | ||||||
| 07/19/2023 | Yes |
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| Around XXXX on XX/XX/XXXX, I received a message via XXXX XXXX regarding the sale of my bed I had in the XXXX XXXX XXXX The buyer went by the name, XXXX and supposedly sent me {$100.00} for the bed. However, I received an email from XXXX stating that my XXXX account needed to be upgraded to receive the XXXX and I was to send {$400.00} via XXXX and would be refunded a total of {$500.00}. Due to XXXX 's security measures, it didn't send the funds so I sent the funds through PayPal to XXXX XXXX XXXX for a total of {$400.00} after the paypal fee. This amount has since been returned to my bank due to an insufficient balance. I sent this amount around XXXX on XX/XX/XXXX. I would receive XXXX other emails regarding a tax and vat fee for {$500.00} to XXXX XXXX ( sent around XXXX ), and then a certificate fee for {$300.00} to XXXX XXXX XXXX sent around XXXX ). Each email promised I would be refunded the full amount and an additional {$50.00} for the inconvenience. However, the last step was to give them my bank account and login information which I refused to do. Each of these transactions was sent via paypal 's friends and family services despite it being a supposed goods and service transaction because that is what I was instructed to do. I have been on the phone with both XXXX XXXX XXXX and paypal multiple times over the course of several weeks with no solution and no recourse. Paypal won't do anything because of how I sent the funds and even the dispute I filed was denied. My bank won't do anything either because of how the funds were sent and I have been overdrawn close to {$400.00} since the XXXX when the paypal transactions reached my bank. The {$400.00} amount has since been returned or it would be overdrawn over {$700.00}. I have been able to put a stop payment for the XXXX transactions so far to hopefully prevent further attempts. However, I do have a negative amount now of {$400.00} on my PayPal balance because the bank has returned it so it is still affecting me. I have told both agencies that this was a scam and despite them being sympathetic to my circumstances nothing has been done. The attached screenshots are as follows : the initial email states that XXXX, the assumed name of the person who was supposedly interested in my product, had sent me {$100.00} but my account needed to be upgraded. The amount of {$400.00} was to be sent to the 'buyer ' which would be XXXX XXXX XXXX which would be a total of {$400.00} the following emails show the vat and tax fee and email address to send it to as well as the certificate fee and the email address to send it to. the last email shows the " last step '' I would need to do to get all the money refunded to my account which included giving my bank account and login information. Following the last email, I stopped all contact with the " buyer '' and reported them. I did not give them my bank account information. | ||||||
| 09/24/2015 | Yes |
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| I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them | ||||||
| 05/13/2023 | Yes |
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| I want This Letter Be sended To the Executive of paypal Because Im so serious with this Complain. Subject : Unjust Account Suspension Dear PayPal Customer Support, I am writing to express my deep concern and disappointment regarding the recent suspension of my PayPal account. I believe there has been a misunderstanding, and I kindly request a thorough review of my account 's suspension. Firstly, I would like to emphasize that my business is solely focused on web hosting services, not file sharing. I provide web hosting solutions to clients, allowing them to host their websites and applications on servers I manage. Web hosting is a legitimate and widely recognized service in the online industry, catering to the needs of businesses, individuals, and organizations. I was surprised to receive a notification stating that my account was banned due to alleged file sharing activities. I can assure you that this accusation is entirely unfounded and misaligned with the nature of my business operations. Web hosting involves storing and sharing website files, not engaging in unauthorized file sharing activities that violate copyright laws or intellectual property rights. Furthermore, to verify the legitimacy of my business, I have previously provided PayPal with detailed information regarding my Website, including its name, address, and nature of services. I have also shared the estimated amounts that will be received in my PayPal account from my web hosting clients. These details were intended to demonstrate the lawful and transparent nature of my operations. I have been a loyal PayPal user and my account has always been in good standing. I have conducted numerous transactions securely and efficiently, with no history of any fraudulent or unethical behavior. It is disheartening to face such a severe consequence without any prior warning or opportunity to clarify any misunderstandings. I kindly request that you review my account suspension and reinstate it as soon as possible. I am willing to provide any additional information or documentation that may be necessary to verify the legitimacy of my business operations. I understand that PayPal has security measures in place to protect users, but I believe my case has been mistakenly flagged and requires further investigation. I am confident that a thorough review will reveal the true nature of my business and demonstrate my compliance with PayPal 's terms and conditions. I value the convenience and reliability that PayPal offers, and I hope we can resolve this matter promptly and amicably. Please contact me at XXXX to discuss this issue further or to request any additional information needed. I have attached the previously submitted information for your reference. I look forward to your swift response and the reinstatement of my PayPal account. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 06/27/2020 | Yes |
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| After multiple and repeated attempts to contact the seller ( XXXX purchase ) without success I opened a case with paypal ... I told them of the legitimacy issues with the watch in question after having spoken to XXXX XXXX, the former head of XXXX XXXX XXXX watch department, XXXX XXXX a world renowned vintage watch expert, XXXX XXXX, a respected internationally known dealer in vintage watches, XXXX XXXX XXXX XXXX watch appraiser with XXXX XXXX, XXXX XXXX who previously was the watch appraiser at XXXX XXXX, XXXX XXXX a purveyor of vintage XXXX watches in the XXXX XXXX as well as XXXX XXXX XXXX who authored two of the most respected books on Vintage XXXX watches and all agreed that this watch was never offered in a gold filled case or as a monopusher as the seller had advertised in being 100 % original..!!! ... I didn't become suspicious until I wanted to get an appraisal of the watches value ... The first 6 months in possession of the watch I spent having it serviced, cleaned and oiled as well as having parts replaced that were not correct ... .The next few months I spent speaking with and communicating via email with the above mentioned experts ... .I sent the watch back to XXXX a month ago ( XX/XX/2020 ) ...!!! ... I have a video of it being packaged and photos of it being dropped off at XXXX the only company who would deliver the watch ... USPS and XXXX refused to deliver packages to XXXX XXXX because of rampant theft, violence in addition to the pandemic ... I was unable to insure the package for more than {$800.00} because of the import restrictions in XXXX ... .It 's outrageous that I was given a provisional credit for the purchase only to be told I didn't have a valid claim by XXXX ... So last week I not only was told the money was going to be removed from my account but the FRAUD of a watch was out of my possession as well ... This complaint against paypal started on XX/XX/2020 ... .I intially opened a claim for fraud on this date ... .Upon checking into my account nothing was registered in the resolution center ... .I subsequently opened another complaint within days only to be told after approximately 40 email and chat exchanges that I needed to send the watch back to XXXX that the paypal buyer protection didn't extend past 180 days ... So I lost the money for paying for the FRAUD of a watch and was told by paypal to send the watch back and I don't have the watch any longer ... I escalated a claim with XXXX XXXX to the executive office and and was initially given a provisional credit by XXXX ... I reported the FRAUD to XXXX but in their infinite wisdom interpreted by issues with paypal as an unauthorized transaction something I never intimated ... .My issues were solely based on the FRAUD of a watch ...!!! ... .XXXX then removed the provisional funds from my account ... .Additional information will be provided upon request ... XXXX XXXX XXXXXXXX ... . | ||||||
| 04/15/2016 | Yes |
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| PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design. | ||||||
| 11/07/2021 | Yes |
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| This is a fallow up of the claim XXXX agains XXXX XXXX but this is for PayPal to be forwarded with new complain thanks. On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX ( XXXX and XXXX ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the PayPal account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXXand XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. For a total of {$19000.00}. Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call PayPal but nobody answered then I call my bank because my debit card was linked to PayPal and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the air I exchange passwords and all XXXX accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of PayPal with a stupid excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now paypal wants to charge me and the manager of the branch was especific on that I do not have to call PayPal he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute. After all this PayPal said that I give my password I guess they do not understand I have my XXXX XXXX stoked and then hack my passwords by the XXXX and on top never make transaccin like giving money like that that will have to be a red flag that I did not make that transactions. They value me like a customer and I think they are on the side of the thief so what I use this businesses if I was the one that is make in a droid he can go to the police and take action why my bank and PayPal not believe what I said is ridiculous. Thanks for your help! | ||||||
| 05/14/2023 | Yes |
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| PayPal regularly commits purposeful theft of 100 % of all currency earned at all jobs done by all homeless people, as well as 100 % of all money earned online by all people who are XXXX, XXXX, or have XXXX, as well as some XXXX people and some people with XXXX, by illegally demanding " text message verification code '' before I can be paid for any job because PayPal has decided to steal and keep all of the currency I own forever, unless I somehow magically one day obtain access to " phone number '' that I " personally own '', in order to receive " text message verification code '', even though it is literally physically impossible for me to hold any cell phone that is connected to 5G service ( which appears to be the only type of cell phone service that currently exists for new cellular accounts ), even though it is impossible to pay for any " phone number '' of any kind because I am homeless, even though it is impossible to use " phone call '' at any point in time from any location because I am nonspeaking and therefore would never have any " phone number that I personally own '' even if I was a billionaire and also had the ability to physically hold a cell phone that is connected to 5G service, and even though it is literally impossible for me to be paid any of the currency that is currently in my PayPal account or any currency earned from the jobs that I typically do nonstop nearly 24/7 because the vast majority of websites that pay do not pay via any other place besides PayPal, and because no other possible method of obtaining payment, such as " check '' or " bank account '' is available to me. Additionally, it is LITERALLY ILLEGAL to prevent homeless people, nonspeaking people, people with XXXX, and also the several other Protected Classes that I am not a member of such as XXXX people and people with XXXX who can not hold 5G phone, from logging into or accessing PayPal account or spending the currency directly from the PayPal account, unless all hearing, speaking, nonhomeless people with no medical condition are also prevented from using any currency, in which case PayPal would of course be quickly shut down by government and all top executives arrested for their theft. Currently, PayPal is committing theft from me personally, and is also committing theft from all other homeless people, all other people with XXXX who can't hold 5G phones ( which is, of course, almost all of them ), and even all married people and all people who live with parents etc., since in addition to the illegal discrimination against me and thousands or more of other human beings, PayPal also even demands that you live alone otherwise you can not log in because " verification phone number '' also just be a phone number that " isn't not leeway used on another account '' even though there is generally one phone number for 5+ people who live in a house together unless you live alone! | ||||||
| 11/05/2020 | Yes |
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| Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX is just my US mail adress, and XXXX XXXX is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working. PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed. You escalated to PayPal Please I need your help. | ||||||
| 08/31/2020 | Yes |
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| In XX/XX/XXXX I got a negative {$990.00} dollars in my PayPal money wallet without any explanations and I called about it. They told me that it was a charge-back made by PayPal MasterCard. I gave them a copy of their logged activity from XX/XX/XXXX through XX/XX/XXXX and the next day in XX/XX/XXXX I was again given another charge-back of the same amount in my money wallet. The charge-backs in question had to do about two charges that I requested a refund and was honored to received them from the merchant. I thought this case was closed and I contacted PayPal Mastercard ( XXXX ) and made a complaint with CFPB about it under case XXXX in XX/XX/XXXX. They showed me that indeed they gave me an additional credit and therefore I agreed to pay them for the additional credit given to me in XX/XX/XXXX and that was paid in XX/XX/XXXX. Please referred to the letter sent by XXXX and the statements I submitted in this complaint. This should have resolved this issue but PayPal did not remove the second negative amount from my money wallet. I called PayPal about it and was told by their agent XXXX in XX/XX/XXXX that she was going send a request to remove the second negative {$990.00} from my money wallet because it was made in error and she gave me Ticket # XXXX as a reference. I waited for a week to passed and found my money wallet still with a negative amount. I must emphasize that I had {$33.00} before they issue two charge-backs into my money wallet. The negative amount that is in my money wallet is still {$960.00}. After calling many times they finally paid me {$990.00} in XX/XX/XXXX but they did not put into my money wallet. I can see it recorded in the Activity Log. I am formally requesting that they reverse this negative {$990.00} from my money wallet that was made in error by explaining correctly what happened in detail because what they have and tried to correct still confuses them. I will submit two screen shots of prove that they are erroneously trying to fix this accountability that is plainly explained by XXXX XXXX and the statements I provided. I am attaching XXXX XXXX 'XXXX letter and the statements that recorded the transaction in questions. Also, I must add that I have contacted the merchant to help me by providing me proof that he did made the refunds because in the statements it will show that the credits given to me did not have the name of the merchant but PayPal instead. He has not responded and told me that to bother him. This will make me believe that PayPal inadvertently did not let the merchant pay the refund because they found out that I contacted XXXX about it and that they gave me credit and therefore the merchant did not pay any refund and now PayPal is trying to force it out of me. This can not be tolerated. You must contact the merchant. His contact information is : XXXX XXXX XXXX XXXX XXXX XXXX http : /XXXX XXXXXXXX XXXX | ||||||
| 08/22/2017 | Yes |
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| Paypal Complaint Attempt to steal money from my account Paypal has attempted to steal money out of my checking account, by discretely requesting a withdrawal of funds from my bank checking account on file without notifying me prior and without requesting my permission. I have a current dispute with paypal ( see complaint # XXXX ), due to a chargeback paypal claims I am responsible for. Regardless of the fact this chargeback came from a customer who paypal verified as honorable and a payment method paypal also verified as acceptable. I have disputed with paypal that i should not be responsible, because I am the one out over {$2000.00}. I had no way of knowing the charge card used was unauthorized because paypal does not allow sellers access to the information necessary. Additionally, Paypals agreement basically says ; trust us and if you trust us we have your back Paypal charges large fees to use their platform boasting security and seller protection. But, Paypal has policy language that is not reasonably visible to potential buyers/sellers and paypal does nothing to make it known. Paypals user agreement is 51 pages long, 29,592 words and 177,896 characters and 3096 paragraphs. Paypals research informs them a large majority of potential clients will not read the entire user agreement. I have done a but of research, currently have a poll asking paypal users is they have read. The entire paypal user agreement Approx. half the user agreement 25 percent or less None at all At this time, with 112 responses, current results are : A. 0 B. 2 C. 61 D. 49 In other words, 98 percent of Paypal sellers and buyers have read less the 25 percent of the user agreement. The language in Paypals user agreement allows paypal a way to charge sellers for disputed transactions. Paypal does not provide this information in Plain sight to consumers, sellers or buyers as a deliberate attempt to mislead or seduce consumers to using their platform and paying large fees for Paypals protection. If sellers and buyers were aware of this language Paypal knows they would have a difficult time justifying the fees they charge. As for this complaint, Paypal has attempted to debit my checking account for the full disputed balance prior to the completion of their investigation without my permission. Paypal made no attempt to notify me they would debit my checking account on file, therefore deliberately trying to do so without notification or permission. I am sure Paypal will claim that somewhere, hidden in thousands of words there is language that gives Paypal permission to debit my checking account at any time for any reason they feel appropriate. I am also sure more than 95 percent of the consumers using Paypal are unaware of this. Hey Paypal, get ready for another class action. But this one there will be no settlement. I want a jury trial and I have the law form that is willing to go the distance. | ||||||
| 07/26/2022 | Yes |
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| On XX/XX/XXXX I have received an email from Venmo that I am trying to make a transfer. I didn't not try to initiate this transfer so I reached out to Venmo via their chat option right away. I was told by the rep that there was no suspicious activity on my account and that they will freeze my account for safety and not to worry. However, while we were engaged in this chat, someone added another bank account to my Venmo account and made XXXX transaction for about {$600.00} each. They took all the money I had stored on my account at the time. The rep then told me that they will freeze my account again? And that I shouldn't worry and everything will be resolved within 10 days. Starting on this day I have been getting around XXXX fraudulent emails from different " government '' organizations asking me to contact them. Needless to say I have been deleting these. In 10 days I reached out to Venmo only to be told that I should be getting the resolution " today or tomorrow. '' I haven't heard from them. In 2 days after that, I reached out to them again only to hear the same promise, " today or tomorrow at the latest. '' In another 2 days, I reached out again and heard the same response. I requested for my case to be escalated. Then, a manger reached out to me via the email to inform me that the problem will be solved 10 days from the fraudulent event. I had to remind them that by that point it had been over XXXX weeks. The manager responded that they have no access to my file and they have no information on when it will be resolved. They said that my account was being " investigated. '' Which is completely valid but while they are performing this investigation they are also withholding the money that is not theirs to have. I have not heard anything from Venmo since then. Today on XX/XX/XXXX I started getting text messages on my phone from Venmo stating that I am trying to make a transaction for {$500.00} .... I believe this is fraud again and I am unable to reach Venmo. In 3 days it will be exactly 1 month since this fraud took place. My account is still under attacks, I don't know if these cyber hackers have been able to obtain my personal data from Venmo, and Venmo has been irresponsive to my attempts to communicate. Is this legal for them to break their own policy? Isn't it a crime to withhold their customers money like that on top of not protecting my personal data and not issuing a reimbursement in a timely manner according to their own guidelines? I have all my communication with Venmo documented through copies of messages they always issue after the chat communicating is complete. This is the request number with Venmo # XXXX And these are the people that have been making false statements in regards to the timing on when my case will be resolved XXXX XXXX Venmo Support and XXXX XXXX | Venmo Purchase Support Thank you for your assistance. | ||||||
| 12/26/2020 | Yes |
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| My name is XXXX XXXX. My complaint is about PayPal. I have a PayPal account. On XXXX, my oldest daughter got funds to assist her and the family through the state SBA but since she doesn't have a bank account because she is about XXXXyears old, so I used my PayPal account to receive the money. I was able to withdraw some, but PayPal later freeze my account with more than {$37000.00} on it. PayPal said they noticed attempt for me to withdraw funds all the time. But the question is, was the money not to be spent? PayPal has not given me an answer to this. Well, I reached out to them several times and it takes them time to respond. I have been in communication with a Lady who said her name is XXXX XXXX from the office of executive escalations and promised me that my funds would be held for 180 days after that they will give me instructions on how to withdraw the funds. I agreed. My issue is, I didn't add a bank account to my PayPal and the few cards I linked to my PayPal as at that time are all closed. I reached out to XXXX XXXX and asked her to allow me to link a bank or a card to my PayPal account so I can be able to withdraw my funds after the 180 days but she didn't give me a satisfactory response. I also asked her to assure me that I will be able to link my bank or card to my PayPal account after the 180days is over so as to withdraw my funds and she didn't respond. I told her I will not accept a cheque/check as I have read bad reviews about a cheque from PayPal and as such it is necessary they allow me to link my bank or card to my PayPal account so that after the 180days is over, I can withdraw my funds to my bank. I also told XXXX XXXX that I am considering traveling to XXXX next year for a job in XXXX and as such, it is necessary I link my American bank or card to my PayPal account now when I have not travelled. The 180 days will be completed before end of XX/XX/XXXX according to PayPal, but I was considering traveling to XXXX ending of XXXX or first week of XXXX. So it is necessary for me to link my bank to PayPal now because I can not receive a PayPal check/cheque when I'm in XXXX but if my USA bank or my US card is linked, I can withdraw my funds to it irrespective of where I will be. XXXX XXXX said I can contact customer support on a later date to assist me in linking my bank. So on Wednesday XX/XX/XXXX I contacted PayPal and spoke with someone and they said I can only request for a check/cheque after the 180 days is over. I was also having issues with logging into my PayPal account but the customer service representative helped me and resolved it when I spoke on the phone and I can now access my PayPal account. My only issue with PayPal at the moment is for them to allow me to link my bank account or my card to my account or for them to assure me that I can link my bank or card to my PayPal after the 180days is complete. | ||||||
| 02/07/2020 | Yes |
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| I am writing about a transaction of money ( {$4000.00} ) I recently made from my bank account to my wife 's Paypal account. On XX/XX/XXXX, I used Paypal to send my wife, {$4000.00} to help pay for our loved ones bills. She immediately noticed I had accidentally sent the money to pay her for goods and services instead of sending to friends and family, causing her a fee of {$110.00}. She researched how to reject the payment and saw in the Paypal help section that a payment can not be rejected, only refunded, so she chose the option to refund my {$4000.00} to me so I could send it the correct way. When Paypal tried to refund to me the {$4000.00} in her account, she had less than {$4000.00} because of the fee and so the attempt to refund of {$4000.00} caused her bank to charge her a fee of {$30.00} ( was seen as equivalent to writing a bad check ). XXXX spent close to two hours going between her credit union and with your customer service line trying to resolve this. Two different Paypal agents told her NOT to put more money in the account to cover the refund of {$4000.00}, but instead to allow this to overdraft again causing another {$30.00} charge. She was told by both agents that this was the only way she could get a full refund of the fee she was charged. I talked to two people at customer service, on the same day to try to resolve this and was eventually told that the fees could not be refunded because of the way the money was sent. I explained again that there was no exchange of services or goods and : the money was sent through the wrong selection of paying for goods and services. that XXXX was unable to reject the payment so I could send it the correct way. that XXXX tried to refund the payment per Paypals instructions. that Paypal attempted to take {$4000.00} from my wifes bank, but because the money wasnt there she incurred a {$30.00} fee. . the PayPal policy I read just before sending the money stated there was no fee for sending money to friends and family. Nowhere on my statement of sending money to XXXX were fee amounts shown prior to me hitting the send button. . that XXXX was told by Paypal customer service that she should allow her account to be overdrafted a second time and that this was the only way Paypal could refund all of the {$4000.00}, including fees. I explained that my payment summary stated that XXXX was getting {$4000.00}, not {$3800.00}. I was intending to send money from my bank to a family member yet my wife was charged {$110.00} and had no way to deny the incorrect payment. She is wondering why this company does not allow a person to deny a payment, especially when it is sent incorrectly to that person and causes her to pay a fee when she was not at fault. This format seems predatory to both of us and we hope you can resolve this quickly for us by refunding the fee of {$110.00} and {$30.00} for the overdraft charge. | ||||||
| 05/26/2023 | Yes |
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| I have {$1900.00} in my paypal.com account received on XX/XX/2023 from XXXX and can not withdraw it. I logged into my PayPal.com account to withdraw the funds on XX/XX/2023 and found that the account was being " permanently limited ''. I called to find out what happened and they told me nothing stating that if they told me then I would find ways around it and to read the terms and conditions on prohibited activity. I have done nothing wrong. I have used Paypal in accordance to the law. I use it to buy stuff. There is nothing unusual in what I have been buying for several years now. I was told that I needed to read the terms and conditions, I did, and I did nothing wrong and Paypal will not tell me what they say I did wrong. Paypal is wrong. I DID NOTHING WRONG and do not understand and want to know exactly what is going on. I have permanently lost the ability to have a PayPal account for no reason at all. They are just making up stuff. And I WANT ALL MY MONEY IN MY ACCOUNT TO BE TRANSFERRED IMMEDIATELY TO ME. Paypal is doing something very fishy and they need to be held accountable and I need to get my money NOW. They are illegally holding my money for no valid reason, using some excuse that there was prohibited activity. There was no prohibited activity as I have done nothing wrong. And they won't tell me anything either. They tell me I violated their policy. They are wrong! And they are wrongly holding my money. And they won't give it back. I want my money released immediately. -- -- - I received an email from Paypal.com on XX/XX/XXXX stating the following exactly : You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. | ||||||
| 06/09/2022 | Yes |
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| tl ; dr : Instead of cancelling payments when a card is declined, Paypal is then defaulting to your bank account, even if it was not clear in the payment steps that would happen. I'm not sure how to categorize this or whether this is a true complaint that would incur CFPB action, but here goes. I have been using Paypal for years with BANK ACCOUNT # XXXX for internet purchases. I recently received a debit card for BANK ACCOUNT # 2, which was not previously associated with my Paypal account. I started using Paypal 's Billpay service in late XX/XX/XXXX with this new debit card, after adding it to my Paypal account. I did a few test transactions and confirmed that Paypal was pulling from the debit card for payments. On XX/XX/XXXX, I initiated a {$3200.00} payment to my mortgage lender with my debit card via Paypal 's billpay service. Within the payment steps, I clearly selected the debit card and submitted. Since this was a new card, I didn't know the card had a daily spending limit, so the payment was declined - and here is the issue. Rather than the payment being cancelled due to the selected payment method being declined, Paypal proceeded to select BANK ACCOUNT # 1 as a payment method. Since I wasn't planning to use BANK ACCOUNT # 1 for this payment, I didn't have the funds in that account. I spoke with Paypal and let them know that as a consumer, when you pay with a debit or credit in a retail store, if you're over the daily spending or total limit, your card gets declined and you are given the option to select another payment method or cancel the transaction altogether. This is not the case with Paypal. I was told that Paypal fronts the money to the bill payee regardless of whether your chosen payment method is accepted or not, and they then proceed to cycle through all of the bank accounts and debit cards associated with your account in order to debit the funds your used for billpay. So my questions are, why are they sending the money to the payee BEFORE doing a POS-type balance check when you select a debit card as your bill payment method? Why are they proceeding with a bill payment when your selected debit payment method is declined? It is not clear to the consumer that this is happening, as they are selecting a single payment method. I can understand when doing a payment from a bank/ACH, as there is a delay in balance info there, but it should be clear from the outset that a debit card payment will be declined and then the transaction ends there. And They also offer zero help in trying to clawback funds from the payee ( I ended up paying my mortgage lender separately, not realizing the payee was actually paid despite my bank not having a sufficient balance, resulting in the payee being paid twice ) or cancelling repeated attempts at debiting funds from a bank account that has insufficient funds, resulting in multiple fees from the bank. | ||||||
| 04/04/2023 | Yes |
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| On XX/XX/2023 I received a debt collection letter from XXXX XXXX XXXX ( XXXX ) in regards to a debt owed to PayPal , Inc . I contacted XXXX and reported that this debt was due to fraud and identity theft, and that I was an established identity theft victim. XXXX requested that I verify the email handle and birthday for the PayPal account. I did not recognize the handle and the birthday is not my correct date. XXXX said that would refer the collection back to PayPal. XXXX would not provide me with any additional information to aid in filing a police report with law enforcement. I contacted PayPal to report the fraud and identity theft. It was very difficult to get PayPal to accept that this was fraud and identity theft but ultimately did open a fraud investigation case and requested the recall of the debt from XXXX. I reported to PayPal that I was an established fraud and identity theft victim. PayPal verified that my Name, SSN, and phone number had been associated with the account but PayPal would not disclose the mailing address or the nature of the transactions on the account to include any shipping addresses. PayPal indicated that they sell debt when it is over 120 days old, demonstrating that this account has been open for some time yet PayPal made no effort to contact me. Further it did not seem to be problematic to PayPal that there might be multiple accounts under the same identity and that this could be a source of fraud and identity theft. PayPal is operating as a bank yet does not seem to have sufficient practices for controlling fraud and screening for identity theft at account opening. I have an existing account with PayPal and that account has always been in good standing and existed prior to this fraudulent account. Had I been alerted at account opening or PayPal recognized the apparent conflict at account opening this entire incident and damage could have been prevented. When I asked how I would be contacted regarding resolution of this matter, PayPal indicated that they would contact me but didn't seem to have much regard for having accurate contact information. I asked if they would call me or email me and what phone number and email address they would use since clearly the address associated with the fraudulent account is not under my control. PayPal said that I needed to call back and keep following up with them for updates as my only means to obtain closure on this matter. I asked PayPal how I could submit a police report documenting my identity theft and PayPal could not provide me with any response. I have filed an identity theft report with my local law enforcement and the FTC using the limited information that i was able to gain from PayPal and XXXX. Unfortunately, this is probably not sufficient information to hold accountable the responsible parties because PayPal has inadequate fraud and identity theft practices. | ||||||
| 10/13/2020 | Yes |
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| On XX/XX/2020 I received a notification on my phone about an attempted purchase through my Pay Pal account. The attempted purchase, was for a total of {$890.00} for which I did not recognize nor authorize. I responded to the Alert accordingly, and assumed it would be the end of it. Unfortunately, Pay Pal decided to let the purchase go through ( Trans ID : XXXX ), even though my response was recorded that I did not authorize. As such, the transaction went through ( XXXX XXXX ) and processed the fraudulent order. A few days later, after selling some items on XXXX that processed through Pay Pal, there was a Negative Balance owed of {$890.00} to my surprise. Not only were the funds from my XXXX sales held, but Pay Pal is showing I owe a balance on this purchase that should never been allowed in the first place. Not only that, the proceeds from the XXXX sales that were held, were then applied to this same fraudulent transaction that has put my account in the negative. I've spent weeks and months at this point, speaking to XXXX XXXX, speaking to Pay Pal, and speaking to my Bank. Nobody has taken accountability. Nobody has provided a resolution. In fact, the only thing Pay Pal has done is deflect blame and refuse to resolve this issue. I opened a case with XXXX XXXX, and discovered the fraudulent purchase was for an IPad that was shipped and delivered to a completely different state. I live in MA, this was sent to NY ( I have no ties to NY, nor was I in NY at this time. I have proof, as I have been battling XXXX XXXX here in MA for the last 4 months!!!!!!!!!!!!!! ) I've opened a case with Pay Pal XXXX XXXX XXXX, which was closed with the following resolution " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection ''. Subsequent Case Details show the following : " Transactions not refunded. We have been unable to provide any refund on the transactions listed. '' So here I am, {$890.00} negative due to THEIR negligence. I am {$890.00} negative, after THEY sent me a notification about an UNRECOGNIZED purchase, to which I RESPONDED ACCORDINGLY to report the attempted FRAUD. How do you hold someone accountable for a purchase they never made that was clearly fraud, and reported as such, yet you allowed it to process anyways? What is the point in notifying people of these potential fraudulent transactions, if you decide to just let it process regardless of what someone replies anyways? I have suffered tremendously dealing with this company week after week while going through a hard enough time with XXXX and XXXX. I've exhausted all my options with this company. Tonight, I was on hold for OVER 3.5 HOURS. I have screenshots to prove it. Bounced around from person to person, with yet again, no accountability and no resolution. | ||||||
| 05/14/2020 | Yes |
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| I purchased an item on ebay on XX/XX/20. This item was a pair of shoes purchased as a gift for someone overseas. When the item was received by my friend it was realized that the shoes were the wrong size. Shoes were ordered in size XXXX. The shoes received were size XXXX. It was also later realized that the shoe box had size XXXX printed on it but a sticker was placed over that to cover XXXX with a label that read XXXX. I contacted the seller notifying him about this a few times. The seller did not respond. I contacted ebay who recommended that I escalate a case with PayPal. PayPal recommended that I send the shoes back to the seller for a refund. I told PayPal that the shoes were overseas at the time and had to be shipped back from XXXX. I was told by PayPal to send the shoes back to the seller when I received them. PayPal stated that the shoes had to be returned back within a certain time frame. I notified multiple agents at PayPal that due to XXXX international shipping was delayed by many carriers and that I could not send the shoes back to the seller until I received them myself. I contacted PayPal multiple times to keep my case open until I received the shoes back. Each time I contacted PayPal my case was kept open by the agents handling my case. Once I received the shoes I shipped them back to the seller on XX/XX/20 and provided the tracking information to PayPal. Now PayPal is stating that the shoes were not sent back within the time frame that they stated. However, I clearly communicated to PayPal agents from the onset that the shoes were in XXXX and that international shipping delays were beyond my control. PayPal was contacted in a timely manner and my situation was communicated very clearly on numerous occasions. I don't understand why every agent I contacted agreed to keep my case open if I was to be told after returning the shoes that I did not return them in time. Now the seller has received the shoes back but PayPal is refusing to provide a refund to me. PayPal 's communication has been disjointed and I have been provided contradictory and inaccurate information. If I was to be denied a refund then I should have been told that BEFORE I returned the shoes. However, I was never told that. It is heinously unfair to deny a refund to me AFTER I have already returned the item - especially, when I specifically stated that the shoes were not in my possession to be returned immediately. And, considering that each agent I communicated with kept my case open due to the nature of the situation. I followed all guidelines and communicated the situation very clearly. Now PayPal is biased in favor of the seller who sent me the wrong item, tried to cover it up with a label that was different from the actual size of the shoes, and who has not replied to any of my messages on ebay. PayPal has been unethical in their handling of this case. | ||||||
| 02/13/2020 | Yes |
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| On XX/XX/2020 I was notified by email and push notification on my cell phone that exactly {$500.00} cash was withdrawn at a XXXX location via my PayPal account. Per the PayPal application on my phone this happened at XXXX XXXX PST. Within minutes after receiving the notification I contacted PayPal to let them know of the unauthorized transaction. They said they would open a case and it would be no problem getting my money back after they looked into it. After not hearing back from PayPal for days, I reached out to them. They told me that they could not prove any fraud and they had to deny my claim. They claimed they could see the transaction was done on my IP address that I have used to sign into Paypal before and they claimed it was done on my cell phone which I have used to sign into Paypal before. They also said XXXX is required to check photo ID when anyone does a cash withdrawal. I asked PayPal to tell me which XXXX the transaction occurred at. They told me they could not provide this information. I went to my local XXXX in XXXX XXXX, California and they told me unless Paypal can provide the location that it happened they could not pull the security tapes to prove I was not there making any cash withdrawal. After calling Paypal back multiple times and explaining the issue they claimed to have reopened the case on two separate occasions. After giving them every opportunity to correct the issue and having them never proactively reach out to me to follow up on any of their investigations it is clear that in their mind no fraud has happened. I am the only person who has access to my PayPal account and I have not had an ID stolen or lost. I never even knew you could withdraw cash through PayPal at a XXXX and am 100 % certain this is fraudulent. After giving up on my attempts to solve this with Paypal I took to the internet to find any further information. One of the first things I came across after a quick XXXX search was this : https : //www.paypal-community.com/t5/Disputes-and-Limitations/Unauthorized-withdrawal-through-XXXX XXXX This is a forum post on Paypals own forum website. Dozens of other people have had this same issue surrounding cash withdrawals at XXXX locations through their Paypal accounts. Most of them had exactly {$500.00} cash withdrawn as well. I brought this up to Paypal and they just dismissed it choosing not to even acknowledge its presence. They just say their team looked at the case and denied the claim. They claimed I was talking to the highest authority they had even after I let them know I was taking this to the consumer financial protection bureau if there was nothing else they could help with. Please help put a stop to this scam and let me know how else I can help to get this sorted out on a personal level and for potential victims in the future. my Paypal account is under my name and/or my phone number. | ||||||
| 01/20/2021 | Yes |
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| On XXXX XXXXXXXX XXXXXXXX PayPal indicated that my accounts were " permanently suspended '' for " violation of the Acceptable Use Policy. '' PayPal declined to indicate which provision of the Acceptable Use Policy was allegedly breached or what activity led to the closure. Upon review of the acceptable use policy ( reproduced below ), there are no sections that I have violated. As such, this closure is in error, and my accounts should be reopened. My wife 's accounts were similarly limited without explanation. Acceptable use policy as of XX/XX/XXXX : Acceptable Use Policy Last Update : XX/XX/XXXX print You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal 's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy. Prohibited Activities You may not use the PayPal service for activities that : violate any law, statute, ordinance or regulation. relate to transactions involving ( a ) XXXX, XXXX, certain controlled substances or other products that present a risk to consumer safety, ( b ) XXXX XXXX, ( c ) XXXX, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, XXXX, or certain XXXX parts or accessories, or ( k ) certain weapons or XXXX regulated under applicable law. relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( h ) involve currency exchanges or check cashing businesses, ( i ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( k ) involve offering or receiving payments for the purpose of bribery or corruption. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. | ||||||
| 03/18/2019 | Yes |
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Web | Older American |
| XXXX XXXX, then Marketing Director of XXXX XXXX, advised me that he could have my book, XXXX XXXX XXXX XXXX, just published by XXXX, republished outside of the US and distributed to foreign countries, He told me not to tell XXXX. On XX/XX/XXXX, XXXX guided me through the process of using my XXXX credit card ending in XXXX ( now defunct ) to set up a PayPal transfer to XXXX XXXX XXXX for {$5000.00} to cover the cost of printing 1,000 books outside of the US. Then on XX/XX/XXXX XXXX directed me to make 2 payments via PayPal to XXXX for the printing of an additional 1000 books, in the amounts of {$5000.00}. and {$1200.00}. The next day, he instructed me to pay {$300.00} to cover the cost of shipping those books via PayPal to XXXX. I have no evidence whether those books were printed or distributed. Efforts to gain information from XXXX XXXX XXXX led no where. If they were not published or distributed, I want PayPal to return the {$11000.00}. A few weeks later, XXXX XXXX told XXXX and me that he thought he could arrange for me to make a personal appearance on the XXXX XXXX show on XXXX. We greeted that news enthusiastically. On XX/XX/XXXX, XXXX told me that the cost for that appearance would be {$30000.00}. to be paid in three {$10000.00}. installments. I assumed that XXXX was aware of this but I didn't consult with them about it. XXXX instructed me to set up a second PayPal account, using the same XXXX Credit card and then he guided me through the process of arranging for the Transfer of {$10000.00} from that Credit Card through PayPal to XXXX. A third scheme was proposed by XXXX XXXX. He wanted to place a full page ad in the XXXX XXXX XXXX for the book, XXXX XXXX XXXX XXXX. When I said the full page ad exceeded the money I had available, he proposed a half page ad for {$10000.00}. When I agreed on XX/XX/XXXX, he walked me through the process of charging {$10000.00}. to my XXXX Credit Card to pay XXXX through PayPal. On XX/XX/XXXX, XXXX XXXX said he had secured two possible dates for the XXXX XXXX XXXX and that another payment of {$10000.00} was necessary to secure them. Again, he walked me through the process of charging {$10000.00}. from my XXXX Credit card account to XXXX via PayPal. on XX/XX/XXXX XXXX requested another {$1500.00} and assisted me in the transfer via PayPal to XXXX. Finally, in XX/XX/XXXX, when XXXX XXXX sought to extract more money from me, I contacted XXXX and charged him with extortion, fraud and misrepresentation. I spoke with XXXX XXXX and her manager, XXXX XXXX. They told me to fill fraud charges with XXXX and to contact PayPal. XXXX initially accepted the XXXX charges and then rescinded their decision since I was a party to the payments. They were uninterested in the fact that I was defrauded and misled. I filed a complaint with PayPal but they only had the last several charges listed and nothing happened. | ||||||
| 01/13/2022 | Yes |
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Web | Servicemember |
| On XXXX XXXX, 2022, I received the following confusing and unexpected message from Venmo : We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. We thank you in advance for your cooperation. Sincerely, Team Venmo I wrote back on the same day that I did not understand why my account was suspended. I only use it for transactions among friends. In no way do I use it for commercial purposes. Later on the same day ( XXXX XXXX, 2022 ), I received the following email from " Team Venmo. '' We have received your email and will respond within 24 hours. You can always view answers to frequently asked questions in our Help Center. While youre waiting, how about you verify your email address if you havent already? Itll help us improve your Venmo experience. If you have an account related question and didn't write from the email address associated with your Venmo account, please reply with your account 's email address, phone number, the issuer of your funding source, and the last 4 digits of your card or account number. ( Example : XXXX, XXXX, XXXX XXXX. ) We look forward to helping soon. Your ticket number is # XXXX. If you have additional info, simply reply to this email. I did not feel comfortable responding to an email asking for personal information, so I did not reply. On Thursday, XXXX XXXX, 2022 I received the following email from a Team Venmo representative named XXXX : My name is XXXX, on behalf of Venmo. Thank you for taking the time to reach out to us. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. I apologize that we are unable to assist you further. Best regards, XXXXXXXX XXXX | Venmo Support I have been unable to transfer my current balance of {$15.00}. I have written back to XXXX that I am reporting them and I would like my {$15.00} balance immediately. | ||||||
| 06/04/2020 | Yes |
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| Just to advise there were no topics/choices from the type of problems page that exactly meets my situation .... Im writing in hopes to get some type of resolution to an ongoing dispute between myself, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and PayPal. On XX/XX/2020 I made a purchase in the amount of {$39.00} using my ( XXXX ) XXXX debit card through PayPal to a company name XXXX XXXX. I paid for expedited shipping in which the item was to arrive within 7 business days. XX/XX/2020 two weeks after not receiving the item I constantly emailed both the merchant and PayPal in which is the only method of communication that is available. I was given several different reasons as to why the item wasnt shipped, none that was acceptable to me as I paid for expedited shipping. XX/XX/2020 I again emailed both the merchant and PayPal requesting a refund as the item did not arrive in the payment timeframe and was no longer needed. XX/XX/2020 I contacted XXXX in regards to the disputing the transaction that occurred with my VISA debit card. I explained my situation to XXXX XXXX whom sent me a Cardholder Dispute Item Statement Form. I completed the paperwork indicating I never received the merchandise and would like to request a refund. XX/XX/2020 I contacted XXXX explained to her the item finally arrived however was not as describe as advertised, therefore I returned the merchandise immediately. XX/XX/2020 A provisional credit was applied to my account from XXXX XXXX ), only to be debited from my account on XX/XX/2020. XX/XX/2020 PayPal indicated the funds were surrendered to my account on XX/XX/2020 upon my dispute however would not provide me documentation of the refund. XXXX denies PayPal refunded the money. PayPal explained to me once a case is open with the bank they can no longer open a case in PayPal, for me to contact my bank as their case is now closed. I then called my bank ( XXXX ) and spoke with XXXX XXXX who advised me PayPal never surrendered the funds and she provided me with the dispute form indicating PayPals response as dispute invalid as I did receive the merchandise. My issues with this is on XX/XX/2020 I did contact XXXX indicating I did finally receive the merchandise 32 days later and that it was no longer needed and it was not describe as advertised, therefore I returned the merchandise. The wholesaler currently has my money and the merchandise. Both parties XXXX and PayPal are referring me back to one another indicating there is nothing else they can do. My major grievance in this response from both parties is that I am in no way able to recuperate my payment and the vendor has both payment and the product. Both PayPal and XXXX are stating that I must work with the other company to settle this issue and neither is willing to provide a resolution. I am asking for both companies to come to a conclusion and refund the payment processed. | ||||||
| 07/19/2022 | Yes |
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| On XX/XX/XXXX I received an email from PayPal that I can no longer do business with them. XXXX XXXX - XXXX This email did not provide a reason and phone calls to PayPal support would not answer questions. Their email says they may hold the money for up to 180 days. On XX/XX/XXXX I created a case on the XXXX. ( " XXXX XXXX '' ) I did not receive a response until XX/XX/XXXX. Their slow response was unwilling to assist or further explain. ( " XXXX XXXX '' ) I also contacted the XXXX XXXX Attorney General office on XX/XX/XXXX. The NY XXXX was unable to assist. ( " NY XXXX XXXX '' ) On XX/XX/XXXX, I emailed XXXX. ( " XXXX - Customer Support Fails to Assist Account Limitations ( 1 ) ( 1 ) .pdf '' ) All other attempts at contacting PayPal were unsuccessful and did not lead to a resolution, further detail, or a way forward. Their response on XX/XX/XXXX indicated : " Due to the potential risk of chargebacks and other forms of reversals, your remaining balance will be held for 180 days from the date the limitation was placed on your account. I will personally follow up with your account to ensure that the funds are available to you at this time. ". ( " XXXX - Response from XXXX in PayPal XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) .pdf '' ) During this time span no chargebacks or other forms of reversals occurred. According to this, I am entitled to withdraw my hard-earned account balance of {$3300.00}. I never received a follow-up email about the status of my funds. On XX/XX/XXXX I replied to the email asking for an update but received no response. After over 180 days passed I logged into my account to see the account had been emptied by them without notification. I received no email that a withdrawal transaction had occurred. My account was signed up for email notifications when it receives money or has money withdrawn. This transaction did not notify by email as it should have. In XXXX, I began working with the Law Offices of XXXX XXXX XXXX, XXXX We put together a formal demand letter which was submitted on XX/XX/XXXX. ( " PayPal XXXX - XXXX ( XXXX ) .pdf '' ) This letter was addressed to their legal department. We received a response dated XX/XX/XXXX. It should be noted the response received is from " XXXX '' in XXXX Escalations despite this letter being sent to their legal department. Additionally, on the same day of XX/XX/XXXX, my father XXXX XXXX 's account with a balance of {$8100.00} was also suspended. ( " XXXX XXXX Account XXXX '' ) His account was emptied without notice and we were not made aware of this until he logged into the account. The details of this are also summarized in the demand letter. Complaints are also being prepared for submission to the XXXX, New York XXXX XXXX house representative XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, and resubmission to the XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/14/2020 | Yes |
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| Sold a mobile phone ( XXXX XXXX XXXX XXXX ), ( new open box ) on XXXX on XX/XX/XXXX to Buyer. Payment was received on XX/XX/XXXX through PayPal ( {$140.00} ). Item was shipped by me the Seller, to the Buyer at address provided. Tracking information provided in screen shot from XXXX on attachment. Item was delivered on XX/XX/XXXX. Buyer had a question using a sim card and sent this correspondence through XXXX. Seller responded, then Buyer had another question on accessing the phone. Seller provide link on how to reset phone and Buyer responded all okay. Buyer has acknowledged receiving the phone, taken pictures of it and started using the phone. On XX/XX/XXXX the Buyer filed a complaint with their financial institution and requested back all monies they paid. PayPal sent an email to Seller, noting this complaint in Sellers 's account. Seller provided documentation showing Buyer was delivered the phone, has been using the phone for 4 months, and has not returned the phone. This documentation was uploaded to PayPal and supposedly forwarded to the Buyer 's financial institution. Buyer 's financial institution subsequently debited Seller 's account by {$140.00} plus a {$20.00} charge back fee. During this time Seller spoke to XXXX and PayPal numerous times. XXXX, claims to only holds Seller / Buyer records for 30 days. Thus providing no means for Seller to access records or providing any Seller protection when fraud is being committed on behalf of a Buyer. Additionally, XXXX received their fees from Seller on item sold and also has not refunded these fees to Seller. XXXX claims this is out of their control and after 30 days washes their hands of matter. Note : USPS limits tracking to 120 days. PayPal, notes they offer " Seller Protection '' but this is a complete misnomer. " Seller Protection '' would imply if fraud or other criminal activity occurs Seller would be protected and be reimbursed or have protection of funds received. However, " Seller Protection '' under PayPal is actually only a conduit for the Seller to respond to a one way conversation in a dispute such as this. All persons Seller spoke to on XXXX and PayPal agreed that this claim by the Buyer was fraudulent but offered no remedy to the Seller. PayPal additional would not provide Seller with the name of financial institution that initiated the charge back or provide a means to contact this financial institution 's fraud department, thus adding to their complacency in this wire fraud scheme. Additionally, both companies indicated ( in speaking to various representatives ) that this type of fraud happens all the time. PayPal and XXXX both have a fiduciary obligation to protect their financial networks from fraud and criminal activity. Both companies offer no protection to Sellers based on fraudulent activity such as this or take any steps to curb this activity. | ||||||
| 08/01/2022 | Yes |
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Web | Older American |
| On XX/XX/2022, I was unable to log on to my PayPal account because the logon required a mobile telephone number. I've had this PayPal account for more than seven years. I never had a mobile telephone. I signed up for PayPal using only my regular desktop computer and my landline telephone. Since I was unable to log on to the account, I also could not message Paypal support using its own system. On XX/XX/XXXX, I reached a PayPal support person at XXXX He instructed me to change my password ; but after I followed his instructions, PayPal 's interface *still* required a mobile telephone. The support man eventually transferred me to a supervisor. The supervisor suggested that I close my account and open a new account. Only after I asked why the new account wouldn't have a similar problem did he admit that it would. The supervisor finally confirmed that a mobile telephone number was now a prerequisite for login. He could only suggest that I keep trying in hope that Paypal might change the interface so as not to require a mobile number anymore. To me, that sounded stupid. I am XXXX years old, and on a limited income. I will not buy a mobile telephone for the sole purpose of maintaining an account with PayPal. In view of this arbitrary and capricious policy change, I elected to close the account. Because Paypal Inc has direct access to both my checking account and one of my credit cards, I wanted to ensure the *immediate* closing of the account I can no longer access. But Paypal 's online interface requires I be logged on to close the account! The supervisor I spoke with gave his name as XXXX XXXX. ( I am not kidding ; I asked him to spell it out ). He explicitly refused even to give me a mailing address for such routine account correspondence as closing an account. ( He claimed that this was a matter of policy ). I don't think PayPal should suddenly ( and without notice ) make arbitrary and capricious changes to the user interface that disriminate against the CLASSES of their own long-term customers who are ( 1 ) XXXX or ( 2 ) XXXX or ( 3 ) rural or ( 4 ) simply not in a position to use a mobile telephone. This user interface change violates the ADA as regards customers who may use their own ( expensive! ) assistive equipment. It's also a violation of law and CFPB policy for a corporation to make it substantially more difficult to close a [ XXXX-balance ] account with than to open one. In any event, I don't think it is ( or should be ) lawful for a money transfer company to fail to provide its cutomers, upon request, with a proper US mailing address for routine written correspondence regarding the account : But the PayPal supervisor who gave his name as XXXX XXXX explicitly refused to do that. On that narrow basis, I also filed a complaint with California 's Department of Financial Protection and Innovation ( DFPI ). | ||||||
| 10/24/2016 | Yes |
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Web | |
| Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 3. This has been found to be untrue and incorrect. 4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money. | ||||||
| 11/09/2018 | Yes |
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Web | Older American, Servicemember |
| PAYPAL is currently holding {$1300.00} of my money since XX/XX/2018 even though I satified all of the requirements that are stated in the 1. ) PAYPAL disclousure for holding funds, 2. ) telephone conversations with PAYPAL representatives and 3. ) notices on my PAYPAL account computer page. In XX/XX/2018 I started listing and selling my collection of toys on XXXX to supplement my income. XXXX required me to open an account with PAYPAL to act as the " BANK '' for payments. I followed the PAYPAL instructions and set up the account as required. I began receiving money for my toy sales which was automatically placed on hold by PAYPAL for 21 days with the option to release my money early if I could provide an proof from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I first provided an XXXX " positive feedback '' from every customer assuming that was what the feedback option was intended for but PAYPAL demanded additional information in the form of an email from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I then contacted every person I sold items to, explained what PAYPAL was demanding for the release of my money and they all replied with mails reconfirming that they were satified along with notes about how they also thought the XXXX " positive feedback '' response should have been sufficient evidence that they were satified to PAYPAL. After numerous telephone calls back and fourth from XXXX, PAYPAL and myself a portion of my money was released. When I started the process to again have the rest of my money from my toy sales on XXXX released, I was again required to " jump through hoops '' but this time with the added demand for and UPLOAD OF PHOTO ID, PROVIDE PROOF OF FULLMENT and PROVIDE PURCHASE RECEIPT FROM THE SUPPLIER. I did as required, going so far as to optain a new NJ MOTORVEHICLE IDENTIFICATION ( I am XXXX and do not drive ) just to satisfy PAYPAL. I originally submitted my passport as identification which they would not except. After complying with all of the extra requirements and checking daily to see when my funds would be available I received an email that stated : FOR SECURITY REASONS YOUR FUNDS WILL BE HELD FOR 180 DAYS. I called PAYPAL several times and the representative stated that they did not know what specifically " FOR SECURITY REASONS '' meant and would not transfer my call as the security department did not take phone calls. I tried emailing and submitting comments to no avail. The 21 days hold is long since past. ( XX/XX/2018 ) so my funds should be available no matter what. Additionally, I requested and explaination in writting of " FOR SECURITY REASONS '' each time I spoke with a PAYPAL representative and have never received and explaination of why or what was necessary to release my money. | ||||||
| 05/06/2023 | Yes |
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Web | |
| Below is a copy of the story ( I've typed it out way too many times, so I created this copy and paste version. ) There is more evidence and transcripts I can provide, it would be too much to include and type out. I'd be happy to walk through everything that happened on the phone too. -So I went to transfer {$2900.00} from my Venmo account to my XXXX XXXX account on XXXX the XXXX. The transfer never went through for some reason. So I did it again on XXXX the XXXX. Some glitch happened on Venmo, where it simultaneously sent the money, and yanked it back via an " add funds '' transaction. So the money was effectively missing. I contacted XXXX, they told me it was Venmo. Venmo can't seem to wrap their head around the issue, and keep trying to think I'm confused and thinking that I accidentally used the " add funds '' feature ( which can't be true, otherwise the {$2900.00} would of never left the account ). Anyways, I've been emailing with Venmo trying to figure out where the money is. ( They don't have a phone number listed. So even in a emergency, you can't contact them quickly. That is a major problem for a financial institution. ) I repeatedly told them NOT TO LOCK MY ACCOUNT. Finally on XX/XX/XXXX the money appeared around XXXX in my Venmo account. The 5 hours later, XXXX, I get a email saying they locked my account for suspicious activity. But upon logging into the app, it says it's locked for violating the acceptable usage policy. Which is it? Now I have $ XXXX I can't touch ( plus all future money scheduled to be deposited in that account ), all because Venmo is punishing me for daring to get mad say the issue was caused by them/their app. I need my account unlocked IMMEDIATELY! I have to pay my rent, it's over due. I literally told them at least 6 times, not to lock my account. This is very unacceptable to block MY MONEY from ME!!!! I'm literally crying now because of all this. It's like a bad dream. My money dissappear, while I have debts to pay, it finally shows back up, and before I can pay my bills Venmo locks my account up. I will be closing my account as soon as reasonably possible possible. But my payroll checks get deposited in my Venmo account. So now I can't even get paid from my job. Unlock my account now!!!!! ( this is all after a whole different issue I had with Venmo. So I think they are punishing me. Which is very illegal. I have transctipts/evidence of everything in my claim. ) '' I think they are retaliating against me for " yelling '' ( typing in uppercase ) and getting mad at them for my money dissappearing. Which I think anyone would be mad and emotional in that situation, having all their money taken/locked from them. They literally locked my account at the exact moment to inflict maximum damage. The locked it right as the account had the ( almost ) the most money it has ever had in it ( $ XXXX ). | ||||||
| 12/01/2022 | Yes |
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| This complaint is to augment a previous complaint which we filed ( CFPB Complaint XXXX ). I will attach the previous complaint to this one for your reference. In short, PayPal responded to our original complaint in an unacceptable and unsatisfactory manner. PayPal removed money ( {$140.00} - XXXX XXXX and XXXX United States Dollars and XXXX cents ) from our merchant account due to a chargeback that our customer allegedly filed ( and wrongfully won ) directly with their credit card processor. Because of that, money was obviously removed from PayPal 's account and, in turn PayPal removed money from our account. There are many issues with the actions taken by PayPal and the unknown credit card processor which I will outline below. XXXX. The chargeback that the client allegedly filed directly with their credit card processor for " item or service not as described '' provided no evidence of how the item was not " as described. '' Upon later speaking with a PayPal account executive on XX/XX/2023 in regards to CFPB complaint XXXX, they similarly did not have, or apparently attempt to solicit, any evidence of how the item was " not as described. '' As such, we have effectively had money stolen out of our account and no one, including PayPal who took the money, has any idea why. I demand that PayPal either obtain evidence of how the product was not " as described '' or return the money. XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, PayPal 's position was, essentially, that this situation was not their fault and that they had to go with the decision of the credit card processor whom awarded the chargeback to the buyer. This is, of course, an outright lie, because no one is obligating PayPal to take money from us simply because someone took money from them. Furthermore, upon asking for more information regarding the credit card processor and issuer, like, for instance, who they are so we can contact them directly, PayPal refused to provide this information. I demand that PayPal provide us with this information and/or be held accountable for the chargeback process and its results if they insist on keeping this information secret. We shouldn't be losing money to someone we can't even identify. XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, the call must have either been disconnected and/or the account representative simply hung up because they could not defend their faulty position of taking money out of our account. I demand that, as a response to this complaint, we get a full resolution and a direct point of contact ( with a direct phone number to an authoritative account executive ) for the issue to ensure that PayPal 's account executives don't simply disappear without answering our concerns and leave us with their useless and ineffective general customer service team. | ||||||
| 12/11/2023 | Yes |
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Web | Older American |
| On or about XX/XX/2023, I discoverered unauthorized transaction in my Paypal account. it was showing ACH transferes in 4 amounts. On XX/XX/2023 ACH transfere from my XXXX checking account for {$140.00} and {$130.00}. On XXXX XXXX two transactions for {$160.00} and {$180.00}. These all total {$630.00}. ( see upload ) I also discovererd 3 unknown and unauthorized emails in my account under the page called " USERS '', I personally removed them while I was on the phone with the paypay agent. I took a screenshot of this page before removing them. ( see upload ) The agent I spoke to said he could see what I was seeing in the Pappal Balace box was the amount {$270.00}, the agent had me transfere that amount back to my bank while he was on the phone. He told me the other amount had not yet cleared ACH transfere but should soon and instruted me to watch for it then transfer that back to my XXXX checking account too. on XXXX XXXX there was {$350.00} in the Paypal Balance box. I did as I was instructed and transfered that money back to my XXXX checking acct. The total of the 2 transferes I made is {$630.00}. the exact same amount that was removed from my account without my consent or knowledge. I have nevered shared my account information with anyone, not even my husband, he has his own account. I went to my bank and they provided a list of ACH Transactions to me that verifies all of this. ( see upload ) .I also closed that account with my bank so anyone with nefarious intentions would not be able to do anymore damage. Paypal now tells me that I owe them {$630.00}. they show a NEGATIVE- {$630.00} in my Paypal Balance box. ( see upload ) ... over the course of time there has been numerous calls and messaging to paypal iniciated by me in trying to resolve this issue, I did have 2 agents on the phone that stated it was an issue with their system and they would send it to someone else to look at it. So now we are at the point of Paypal saying I either Pay them {$630.00} or the will turn me over to a collections company. This is totally wrong!!! I have a very good credit score and this problem could greatly damage that. We may never know who did the initial transfere but we do know what has happened. someone accesed my bank thru paypal and removed my money. I discovered it before great harm was done and the money gone. I moved the same money back to my bank, So it was my money out of my bank account and my money into my bank account. I was foutunate to discover the attempt of theft from my account and stopped it. now it feels as if I am being punished ... it has caused an enormous amount off stress, making me feel sick. What I am asking is for paypal to realize their error and make the NEGATIVE- {$630.00} into a {$0.00} I do not use paypal as a bank ... .so this is always a {$0.00} I here by swear to the above. XXXX XXXX | ||||||
| 09/19/2022 | Yes |
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| Months ago I had an issue with Paypal where they sent money I received from a client to the wrong account, leaving me stranded and unable to pay for transportation to the bank where I was initially heading to correct a financial situation that the money I received from the client would help alleviate in addition to cash I had. When I called Paypal to correct the issue the agent I spoke with offered a {$25.00} promotional credit to fix the issue, but I learned shortly after getting off the phone none of the transportation options available to me would accept the credit. Fast forward to XX/XX/XXXX, this morning, I awoke and saw that my credit card was charged {$19.00} by XXXX via Paypal. The recurring payment agreement I made was for XXXX to charge my debit card. I called XXXX and asked why was my credit card charged when the recurring agreement I made was for the specified debit card specifically and the agent on the phone said if the card declines Paypal moves to the backup funding source. I remarked that I never designated nor authorized any " backup '' funding source and that if any individual or even my bank took it upon themselves to pay a merchant from whichever one of my accounts it decided upon themselves to pay when the only source I specifically authorized was a debit card that would be considered theft. Why does Paypal think the law doesn't apply to them as a mega corporation, particularly when there is a {$25.00} credit on the account? The agent then said this is something their manager could handle and issued a refund to my credit card which I thanked them for. I was then transferred to a manager whom asked me to verify a card on the account. I gave her the debit card in question and she remarked there was no record of the card on file and demanded I list another source. I said that's worrying that the primary card I use isn't showing on your system. After I gave the last four of another card, miraculously my debit card showed up and she claimed it was at the bottom of her screen and she couldn't see it. From that initial exchange I had a feeling I would be lied and condescended to for the remainder of XXXX XXXX. I asked specifically why did Paypal take it upon themselves to pay XXXX from a card I never authorized for a recurring payment when there is a {$25.00} credit sitting there. She then proceeded to tell me the promotional payment was used to pay XXXX on the XXXX. I told her that's demonstrably false and I was looking at my bank account with the full charge debited from my debit card. She essentially said that's not true implying I was liar and became combative in her tone and said that her decision was final. I asked was there anyone I could appeal to and she remarked I can try to see if her manager was available but she would make no promises, essentially implying she wouldn't report the issue higher. | ||||||
| 08/10/2023 | Yes |
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| Venmo purports to be a money transfer service when it is in fact operating as a short-term XXXX equivalent . In its customer service rep 's own words, Venmo " fronts '' money that is paid to designated recipients immediately yet doesn't take payment from the sender 's bank account for XXXX days. This distinction becomes important for my own recent horrific experience : I initiated what I thought was a transfer but quickly noticed the originating bank account was XXXX that I had previously closed. I was unable to cancel the " transfer '' because Venmo had immediately deposited funds into the recipient 's account. Under the mistaken impression that this transaction would function like any actual transfer ( ACH, etc. ) where both the account and fund availability would be verified before flow of funds, I replicated the " transfer '' from an open account with the effect of Venmo immediately delivering to the recipient twice the intended amount. Within a couple of days, it became evident to me that Venmo had duped me into redundant transactions by purporting to be a transfer service rather than the " pay now, repay later '' fronting business they actually operate. I learned this through persistent account freeze emails from both Venmo and PayPal to my great disappointment since any real transfer service would first verify/validate the account then confirm fund availability rather than creating a fictitious transfer by " fronting '' funds they expect to be paid/repaid soon thereafter. When I called Venmo customer service in an attempt to set straight, the first call went straight to a collector who threatened to put me into collections status if I didn't pay immediately. Having an XXXX credit score and only XXXX missed payment in 30 years, this was naturally alarming. When I eventually talked their payments specialist off that ledge, he transferred me to an equally unhelpful customer service rep whose basic stance was " pay the money we duped you into redundantly sending or we'll send you back to collections. '' There was XXXX consumer-friendly concession that Venmo may have been in the wrong or could conceivably meet me in the middle. Although that rep was unwilling to help in any capacity ( except to send me back to collections ), he did provide the " fronting '' explanation that forms the basis of this complaint. Of course, he immediately denied the position he had articulated when I informed him that my next step would be a CFPB complaint. I believe that Venmo needs to be held accountable for deceptively purporting to be a transfer service like XXXX or even their sister/parent company PayPal when Venmo are undertaking none of the standard verification/validation measures available in abundance through any number of service providers and, in fact, industry standard for any legitimate transfer/payments service. | ||||||
| 09/20/2022 | Yes |
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| On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds. Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this. | ||||||
| 11/17/2020 | Yes |
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Web | Servicemember |
| I had two charges with a XXXX XXXX credit card that have been closed wherein I did not receive the product. In both instances, there were XXXX clients, one a client from paypal where I paid paypal with the XXXX XXXX card and the other a direct charge to XXXX XXXX credit card I have. The two amounts total XXXX which added to my balance also put me in collections due to the rebill of the disputed charge. I did not receive the product I ordered in both instances and requested a valid refund. On the first instance, a client of Paypal, XXXX XXXX XXXX, ( email ( provided by paypal through dispute resolution center ), he provided a XXXX delivery information that they shipped to my mailbox. However, no furnutre was left on the curbside, post office station and it could not have fit inside the mailbox. I never got an invoice for my patio furniture and when I clicked to cart on their website XXXX, it took my information and then it went blank. I did not receive anyting so I filed a claim with paypal and XXXX. Paypal sent me XXXX of delivery of goods. However no furiture arrived. after looking for the email online XXXX I found several people in my positon. They said they ordered several things from kitchen goods to furniture to other items and instead they got mailed masks that they did not order. He is listed as a scammer thorugh paypal. Paypal has not been responsive and XXXX has rebilled the XXXX dollars to me, putting me over my limit and in collections. This is afffecting my credit and putting me in a situation to jeopardize the buying of my home. I have a family and I kept this card and paid on time for years until this XXXX scammer got into the picture who does run his business to scam people with thehelp of paypal. Paypal knows how to contact him but choses to loook the other way. The other instance is when I did buy masks from XXXX. They told me that they can not send me masks I ordered because I ordered through a outlet in XXXX and XXXX shipments are stoped by the use back in may. I asked for a refund and did not get it, after a couple months they told me I can use the XXXX bucks to buy other of their goods that I have no use for I want a refund, and also contacted XXXX for a refund. Idid not get the product, why should the seller keep my money. I want a refund for both the charges and also for XXXX XXXX not to punish my credit or cut my car d or close it as it will irrreparably damage my credit. Now if capital one is going to close my account for making this complaint, then I will lose the XXXX dollars in order to keep the card open so that I can buy my house. I need to keep my credit good and closing my only card will jeopardize my ability to buy a house for my family, in that case I will consider the mney scammed by this XXXX people as a closing cost but I should not have to pay more for closing a home. | ||||||
| 03/30/2022 | Yes |
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Web | Servicemember |
| For over a month I was having problems with my Venmo debit card not working at all. Every time I would enter it in somewhere online it would say invalid card which I kept letting them know and never getting it resolved. Finally they cancelled the card and told me they would issue a new one, and then turned into they couldnt issue it and I needed to order it myself on the app, but constantly getting errors and it not working which contacted them over 15x about also. So the only option I had to use my Venmo account was to make transfers with the money. I transferred money into my HUSBANDS AND MINE BANK ACCOUNT, and right when I made that transfer they froze my account. They then asked for my ID, which I already have them over 20x when trying to get a new card, but sent it in anyway just for them to say I violated community guidelines and they were cancelling my account. Which was okay and fine, after all this I will NEVER use anything with them anymore and letting all my family and friends not to also, because all the money in my account which is XXXX, XXXX is from reputable direct deposits and is from taxes. Literally for the five years that I have had my Venmo account money that has gone into it has ONLY been from direct deposits and showing exactly where the money comes from. There has NEVER been any other source of money so for them to freeze my account and not release my funds is completely absurd when all I did was a transfer to OUR BANK ACCOUNT!!! Which isnt over seas, out of country, literally nothing suspicious about it in anyway. Literally going back and forth with them for almost a month and they will not give me any information, and will not answer ANY question I have. All they keep saying is they have came to their decision and cant change it, when all I want is my money out of the account, when because of all of this it has put me in XXXX worth of debt and has left my children and I homeless because we needed our tax money to live. We have been in this pandemic and I havent been able to work, that SO many Americans are in the same boat and for them to just steal our money and not release it is not okay. I literally have done everything I possibly could and cant get anywhere with them and I am just at a complete loss without my funds. My children are literally homeless because of this happening and I am so broken and lost with them doing this to me for NO reason. They emailed me today saying that my Venmo debit card was cancelled, when I have been fighting with them for well over a month to get a new card, and the debit card wasnt issued UNTIL they already froze my account, that i never even got the debit card they cancelled which is why I had to make transfers in the first place because I couldnt get access to my money any other way, and then they penalize and wont release my funds because of it!!! | ||||||
| 07/08/2022 | Yes |
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| PAYPAL Case ID : XXXX Disputed amount : {$590.00} USD Buyer info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX, TX XXXX XXXX reported XXXX XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX This is a problem related to several cases of fraudulent activity on our website ( XXXXXXXX XXXX XXXX XXXX ). This is one of the cases that was closed in the buyer 's favor with no investigation of the reported case to PayPal. Several unauthorized purchases were done through our website without us noticing it. We sent out the items purchased to find out later they were fraudulent purchases. We reported these purchases to our website platform and to PayPal, our checkout platform. PayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do anything. I insisted because the orders kept coming in, I reported the IP addresses as coming all from XXXX ( I reported it to them as well ) and basically I could not do anything about it. Then the cases against us for unauthorized activity came through, we have 2 closed cases with a chargeback in favor of the buyer and 4 open cases, there will be more coming. After 100 min on the phone and 6 transfers, I spoke finally with a supervisor ( XXXX ) at XXXX XXXX who noticed that the tracking number provided for the case had not been submitted to the credit institution for proof of delivery and assured me the chargeback would be credited to our account until a new revision of the case was done. That did not happen, instead, I received an email from a person in PayPal XXXX telling me that they understand we are upset and to contact them through the message center. The message center now tells me that the credit institution has the final saying and PayPal has nothing to do with it. PayPal authorized these transactions even when they did not meet their criteria ( unmatching zip code, address and/or XXXX ) XXXX PayPal assures its clients to have high technology to detect fraud and that we can rest assured of transactions being monitored. They also encourage us to report suspicious activity and fraud for them to act in our favor. Not the case. They insist to treat every transaction separately and wait until the buyer places a claim. Meanwhile, we sent out thousands of dollars worth of merchandise to who knows who, because the addresses do not belong to the buyers. That means somebody is picking up tractor parts all over the US through this fraud. I hope you can get in touch with the involved parties and report that this family business is not responsible for the reimbursement of thousands of dollars to people victims of fraud. We followed the good practice to have a platform offering security and support in these cases and they failed, I am sure PayPal has coverage against fraud as well as the credit institutions. | ||||||
| 04/26/2022 | Yes |
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| VENMO BANKING SCAM- NOW ATTACHED IN BOTH EMAILS HERE ARE ABOUT 20 DOCS THAT SHOW VENMO ROBBED ME- MISPLACED MY MONEY - PUT IT IN THE WRONG BANK AND THEN, WITHOUT AUTHORIZATION, {$1400.00} OF MY MONEY FROM A XXXX XXXX CREDIT CARD - LINKED TO MY BANK ACCOUNT - AND THEY SENT IT TO XXXX XXXX WITHOUT MY CONSENT. I ALWAYS PAID XXXX XXXX THROUGH CHECKING- I HAVE NEVER PAID A BILL THROUGH MY BILL PAY BY WAY OF ANY CREDIT CARD IN THE HISTORY OF MY LIFE. THIS WAS A DELIBERATE AND ILLEGAL INVASION OF MY ACCOUNT - BECAUSE IT WAS LINKED. SORRY - FOR ALL CAPS But I am XXXX. So, now I have {$1400.00} my XXXX XXXX XXXX 's Checking account and have called VENMO and told them to fix it ASAP - they have put the money into the wrong checking account. It's in the wrong account and I have a landlord who lives in XXXX! Since VENMO had wrongfully taken {$1400.00} from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit CARD on file - WITH XXXX XXXX- NOT- I REPEAT- NOT with VENMO. THEY ACCESSED THIS XXXX XXXX CREDIT CARD THROUGH MY XXXX XXXX CHECKING - WITHOUT PERMISSION and just charged {$1400.00} on it. So I took the money they put in my XXXX XXXX account and paid it ALL to XXXX XXXX XXXX- the card THEY USED without my permission for this exact amount. Now Venmo tells me I owe them - XXXX. I try to call them over a dozen times. They refused to answer and out of 12 calls I was purposely disconnected nine times. They are trained to hang up on the customers- under the idea that these people will give up and just go away. I texted them in CHAT dozens of times and only kept the attached conversations, but I went crazy. They dragged this out for months and harrassed me via MULTIPLE texts- OVER 100 OF THEM- but would not respond with a single human being. They ran me in circles and refused to close my account. Now they are well KNOWN FOR THIS KIND OF theft - taking money repeatedly from people I know- and then telling those people they can not get their money back- they say I have it. I do not have it. It's in a locked account that these criminals are making interest on every day. They have no intention of making right on what they did. Two of my clients, XXXX XXXX XXXX ( PhD head of Covid research in XXXX, and XXXX from XXXX, XXXX XXXX XXXX have both had their MONEY TAKEN BY XXXX STOLEN XXXX XXXX XXXX then sent {$700.00} to my Venmo Account 2 months ago and they stole this money too. They REFUSED to give it back to XXXX XXXX and refused to release the money to me. They refuse to even answer a phone call or respond to anything in their chats. They have driven me to the point of rage, depression and they have financially destroyed me with both of the these malicious acts of outright theft. NOTE : This is a XXXX owned bank and they should not be able to do business in XXXX. They are targeting and robbing the American people. | ||||||
| 02/10/2021 | Yes |
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| PayPal limited my account for selling my personal items and keeping my money. I did contact requesting a reason and was told they do not have to say. On XXXX and XXXX I made a sale of some of my sports items With two different people. I am an Avid sports collector and have multiple items. I decided to sell for financial reasons with the craziness of last year. On XXXX I received a notification via email from PayPal stating I can no longer use services. On XXXX the first buyer received his stuff. On XX/XX/XXXX the second buyer received his stuff. I have proof of delivery along with all tracking info as well as pictures of items sent. Both parties states items received. These items were new unopened boxes. I reached out to pay pal via phone on XX/XX/XXXX as well as messenger on XX/XX/XXXX. Another call was placed on XX/XX/XXXX. I requested several times for a reason regarding my limitation as well as a reason for holding my money. They refuse to tell me. Their response to me on messenger was " they can not share the exact details behind the decision '' but I should trust that they have made the decision after careful review. It also stated they need to hold my funds for 180 days in case of any chargebacks. Really? When speaking to XXXX a PayPal representative on the phone on XX/XX/XXXX I was told a different department handles the limitations. I asked if I could please contact that department and was told no they do not take phone calls and no way to reach them. She told me there was nothing more I can do except wait 180 days and all she could do was note my account. I have read through the terms and agreement as well as the acceptable use policy I have violated NOTHING!! I have read others complaints that say PayPal often never releases their money and charges them over damages of their policy. From a company that so many trust yet should not. I expected more. I feel that if someone is holding my funds I at least deserve a legitimate reason as to why as well as being able to contact the ones who are responsible for this. This company is a scam at its best as well as poor customer service. I do not wish to ever do any business with PayPal again but I do want my money that is rightfully mine. I do have every intention of sharing my story with as many as possible in hopes that they are not the next PayPal chargebacks fraud victim so they can steal peoples money. Account ID : XXXX ****I have called twice now only to be told the departure that is making the decision regarding my own money has no contact information. I am told I just have to wait and see. I have sent messages via messenger and was told they can not tell me why they chose to limit my account. Attached is a screen shot of that response from the company. I have also reached out to the XXXX in hopes for some contact with nothing. Please help. | ||||||
| 03/09/2021 | Yes |
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| My name is XXXX XXXX and I want to complain about PayPal lying to me without resolving my issues. Whenever I want to link my card to withdraw my funds, it says " there is a problem wrong with my account asking me to contact customer service for help ''. When I contacted customer service by sending a message by logging into my PayPal account, they do not respond to resolve my issue for more than a month now. The 180 days hold expired since last month but I can not withdraw my funds due to PayPal not allowing me to add me card, I have bills to pay. It is Worthy to note that in my similar complaint to the office of California Attorney General last month with complaint number XXXX, a PayPal employee by name XXXX XXXX responded and lied to me that she had made adjustment for me to be able to add my bank or card to withdraw my funds, and she further stated that no errors occurred when handling my account. Such is a big lie and I would like to sue her for lies. After she responded and said no issues were found, I tried to link my bank and card but the same error occurred, which means she lied to me. I have also contacted PayPal ok XXXX explaining the issue to them about the lies and a customer service representative by name XXXX said she had escalated my issue to a specialist to resolve it and said all requests are handled in the order they are received. Since then I haven't heard from PayPal and it has been weeks. PayPal purposely ignored me and they lied that my issue has been resolved when it has not. I believe PayPal is run by unprofessional people and they need to conduct further retraining of their support teams so as to know exactly what customer issues are and how to resolve them. I need a specialist to handle my issue so it can be taken care of properly since XXXX XXXX showed her unprofessionalism by lying when she didn't even do anything to resolve the complaint I raised, I wish she could be retrained further as she sounds so XXXX and unprofessional despite her position. I also spoke with my bank which is the card issuer and they said the issue isn't from bank. I have tried more than 5 different cards from different banks of mine but the error message is still saying the same thing. My banks said I should reach out to PayPal, but PayPal is not helping due to its untrained support. I have tried up to 7 cards from different banks such as XXXX XXXX, XXXX, XXXX XXXX and other bank cards of mine but I still got the same error message from PayPal. My bank is not the issue. I only want a very professional specialist to look into my case so as to resolve it, I do not want further contact by XXXX XXXX because of her unprofessionalism I want PayPal to resolve my issue and give a response that truly it has been resolved, I don't need a copy and paste replies. My PayPal email is XXXX XXXX | ||||||
| 01/18/2022 | Yes |
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Web | Older American |
| XX/XX/XXXX approximately, I received a phone call from the " XXXX XXXX XXXX. '' They sent me a email as well with a letter saying that the person talking was with XXXX. His ID number and phone number as well. Claiming that someone was trying to purchase an 1000 dollar XXXX on my account. I'd been contacted 3 times previously about the same thing so I felt ok letting him on my laptop remotely. After a minute he tells me that XXXX is going to help secure my wifi and put a firewall up. But had to be purchased by me. I turned him down and he said that he would have someone provide the funds from XXXX. I gave him my XXXX account number so he could put money in the account. In XXXX minutes there was 1000.00 dollars on the account. I was to use my PayPal XXXX to purchase gift cards in order to purchase the firewall. Then XXXX would install it. So I purchased XXXX card for 500 dollars on one afternoon and purchased another one the next day. Gave the pin code to the guy who was calling me every half hour. The next day he calls and says he needs into my XXXX account he does this remotely on my laptop. He orders another gift card telling me that it should cover the 1500 firewall. Then PayPal is trying to get the money back never saying what's going on. I ignore it as this guy said he would cover it. A couple of days go by and PayPal is requesting the account be corrected. After getting the last gift cards pin I never heard from XXXX XXXX again. I wrote an text to PayPal explaining this situation but never heard back from them. The whole thing was a scam and I'm the victim except why would PayPal credit the funds. Allow me to purchase goods. Then claim I owed 1100 dollars. Apparently they accepted funds then whomever put the funds on my account were refunded the money after it was used to get the gift cards. Double the funds the crooks used to initiate the scam. That seems to be a problem for their own system. I completed my end of the transaction.500 dollars in and a 500 gift card returned to the scammer. I received nothing from the transfer. Not one cent. I even lost money as at the same time I loaded 30 dollars on PayPal card for XXXX use. That money was taken. I'm XXXX XXXX XXXX XXXX man who didn't think it was going to be a good thing. But didn't expect it. I waited a bit to get my laptop checked and found records on the laptop that the were spying on my laptop for awhile. A couple of weeks. So I can provide that documentation after I contact my computer technician who did the forensics. Anyways any comments about the policy 's of PayPal to let me use the funds then demand them back, I don't know about that. The persons who put the funds on I'd never met or even spoke with. They should still be there at PayPal account. I blocked them from the account but they should be there. Thoughts? XXXX XXXX XXXX XXXX | ||||||
| 06/12/2018 | Yes |
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| Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. {$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} Starbucks in XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$180.00} Paypal XXXX XXXX XX/XX/XXXX XXXX {$58.00} YPS* XXXX XXXX XX/XX/XXXX XXXX {$610.00} Financial Stepping Stone XX/XX/XXXX I live north of XXXXXXXX XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until XXXX days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. However, what I was not aware of was that my credit card had been used to also open a Paypal account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from XXXX XXXX, a collections agency for Paypal. I was confused, so I called Paypal and that's when I found out that there was a second account that had been opened. I have my own Paypal account that I use regularly and keep up-to-date for payments. I told Paypal that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized Paypal account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that Paypal 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. I have spent over 9 hours on the phone with Paypal, XXXX, and my credit card trying to resolve this. Paypal has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. I have also filed a complaint with Internet Crime Complaint Center about these charges and the Paypal account. | ||||||
| 09/08/2023 | Yes |
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| Venmo would not process my request to pay out. Kept getting message saying to try again later. For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting same message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the account was locked. At no time did Venmo provide a warning stating the account would be locked for any reason like multiple attempts. Why it was locked is still unknown. FYI, Venmo reps have told me the try again later message has been happening for years and that they get hundred to thousands of calls about it. Obviously, theres a software issue that Venmo ( PayPal ) is just ignoring. Initially, I contacted them by phone. Follow up communications were through email. I requested my account to be unlocked. XXXX XXXX tried to force me to give them copies of my ID my identification had already been previously confirmed and I was not going to give a copy of my ID out. I advised XXXX XXXX that my banks new security protocols now required me to provide details on what caused the lock out before they would allow me to re-established an account link again. XXXX XXXX refused to provide any details on the lock out. I advised XXXX XXXX that without lock out the details, my bank wouldnt allow me to use Venmo any longer. XXXX XXXX didnt care so I requested the account to be permanently closed and deleted. Initially he refused to do anything with the account and said I would have to do it, through the accounthello XXXX, the account is locked! Later, I requested confirmation that the account was deleted. He kept providing two different answers, one of which, clearly indicated that they were not going to honor my request and that they were keeping the account ( in a locked status ). I asked him to connect me to his legal department more than oncehe refused. He also told me that even with a cancelled account ( not a deleted account ), that they retain a lot of my account information. I requested a detailed list of which specific itemshe provided a cut & paste generic list from their terms and conditions. I again request specifics and got the same cut and paste ( I assume he was doing this again to antagonize me ). Based on what I have been told by XXXX XXXX, Venmo is not going to explain what action or actions caused the account to lock and my locked Venmo account will not be deleted ( and that theyre going to keep my personal data ). XXXX XXXX definitely needs a lot more training ( or supervision ) before he should be handling customers. In most companies, hed be subject to disciplinary actions. There are lots of other companies other than Venmo ( a PayPal companywho is just as bad ) to use, and thats what Ive done. | ||||||
| 06/09/2023 | Yes |
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| On XX/XX/XXXX, I made a one-time App purchase through the XXXX XXXX XXXX using PayPal as the source of the payment. XXXX XXXX XXXX asked which PayPal funding source I wanted to use. I specified a XXXX XXXX XXXX XXXX. The transaction went through with no error or other messages. I checked by PayPal account and instead of using the funding source specified, or even the preferred source, PayPal charged My XXXX XXXX XXXX Account that I use for business. I spent XXXX minutes on the phone with PayPal on XX/XX/XXXX after spending more than an hour on the evening of XX/XX/XXXX unsuccessfully trying to fix the problem using their website. At first, all three PayPal reps said that since the Debit card transaction was denied, they put the charge on my " most trusted '' funding source ( my business XXXX ). The last person I talked to, XXXX, an account manager, said it was XXXX XXXX that selected the alternate funding source not PayPal, and I had to call XXXX [ I did try to call XXXX, but none of the 3 phone numbers I tried take you to a human being and I could not use the automated system because my issue was not on the allowed list of issues ]. After saying that PayPal considers acct XXXX the most trusted account, she said XXXX was able to see my various funding sources and selected a different funding source. There is a problem either way : either PayPal selected a different, non-preferred funding source without asking me if it was ok, or they allowed XXXX to pick a different funding source than the one I specified. If XXXX could not use the funding source I specified, I should have received an error message or a message asking me to change finding sources. With all 3 PayPal reps I emphasized how it was improper for me to have a XXXX Play charge on my Business Credit Card, but all three said there was nothing they could do to reverse the charge, even though XXXX showed it as still " pending. '' I told XXXX, if she did not reverse the charge and then use an authorized funding source to cover the amount, I would have no choice but to dispute the charge with XXXX as a XXXX Play charge could not stay on my Business credit card, and that I would contact you if appropriate. The charge is still pending, so I can't contact XXXX until it is final on Monday or Tuesday. I would rather PayPal undo their mistake and obtain the funds from an authorized source, but Pay Pal made it clear that there was no way that would ever happen, unless XXXX instigated the change ( but there is no way for me to get XXXX to do that ). I checked PayPal 's terms of service and I could not find any provision that allowed them to select an alternate funding source without permission. Whether it was PayPal or XXXX XXXX that changed the funding source, the action seems to be contrary to their communicated terms of service. | ||||||
| 04/30/2017 | Yes |
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| I am making a consumer complaint against the digital payment service Paypal. I think I opened my Paypal account about ten years ago though I am not completely sure about that. I used the account for occasional XXXX transactions and personal payments ( ie, reimbursing a roommat e for rent ). This was not a heavily used account. In XXXX XXXX , I tried to receive a personal payment and was informed that my account was 'limited '. They did return the money to the payer, so my complaint does not include improper holding of funds. Paypal woul d not tell me why my account was frozen other than there was 'suspicious activity ' with my bank account. I contacted my bank and they had no record or flags of anything suspicious with my account. To unfreeze my account, Paypal requeste d that I email them copies of my driver 's license and a current bank statement. I felt that requiring a DL was a violation of privacy as they already had my SSN, address, and bank account info on file. I chose not to do this and accepted that I no longer ha d a Paypal account. Ab out a year later, I wanted to sell something online so I tried to unfreeze my account. I emailed them a copy of my bank statement and a scan of my DL though I did blur out the number out of privacy concerns. I have no idea how Paypal intended to keep this info secure and felt it was not in my best interest to share my DL number. Their claim of suspicious bank activity could not be verified by my bank so I hesitated to trust them with more of my data. After their recent loss in a class-action suit in CA regarding improperly freezing user accounts, I contacted them again in XXXX XXXX . This time I was told that my account had been frozen because my bank account number had been reported stolen. I asked them why they had not alerted either me or my bank at the time they discovered this. The representative said that is not their policy. The phone rep said I could email in a clear scan of my DL and a bank statement and my account would be unfrozen. He said he would send me an email containing a link to a secure site to upload these documents. The email never came, and when I shared this information with my bank they were not aware of any issues with my bank account regarding stolen account numbers. I am making this formal complaint against Paypal for d e ceptive business practices. The reason they froze my account could not be verified by my financial institution and they have demonstrated an unwillingness to correct their mistake. While I have not suffered outright financial loss, the service they provide is nearly a public utility in the area of online commerce. Without being able to move funds through their service, they have effectively rendered me unable to participate in buying and selling online. What can be done? | ||||||
| 09/25/2021 | Yes |
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| Hi CFPB, My full name matching my passport XXXX XXXX XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com it stole all my moneys XXXX. im XXXX, i play in the XXXX XXXX and i give my XXXX XXXX XXXX to friends in the XXXX XXXX, i XXXX items in the XXXX XXXX XXXX and i XXXX it to my XXXX in the XXXX, the XXXX XXXX me by Paypal bank, because Paypal monopolize the market in the internet and she is dominant 70 % of buyers online work with it, she is good with buyers but sellers like me not, she punish them harshly, this is 4 years I work with paypal and I know it, she dont protect digital product, the probleme why paypal Ban my first account is : I give my service to 100 customers, and one of this customers is scammer he do dispute he says to paypal I dont receive my physical product and paypal give him back the money and Ban me, its bad to paypal ban me, 1 bad man Ban my account!!!! we can't receive payment by bank transfer ( you need to waiting 10 days to receive your money ) or other service, we have just Paypal in the internet to receive the money quickly, i live with this service with my family, I don't know why paypal block my accounts, she told me : after 180 days you can withdraw your money, im waiting 180 days, but i fund Paypal took all my money : XXXX, its not good to took money people, she take the money by force and you can't do anything, pls help me to get my money back, im poor and i have just this money for living, i invest it to buy items in the game and sell it, im a good man ; im not a hacker or scamer, i want just to live with peace, Paypal told me after XXXX you get your money, this is what I want, to give me my money from my accounts Paypal, it passed 180 days and I dont have any dispute or problem with customers, so give me my money XXXX. Its my investement and my profite, -PayPal transferred my whole balance and took my hard earned money, Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. - XXXX, I support my family and gather to get married and buy a house. - This all my accounts Paypal : XXXX / XXXX/ XXXX / XXXX/ and this is the account of my sister of mother, I used it with her consent : XXXX, total is XXXX - They steal my money in the month 7. -I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you | ||||||
| 03/29/2016 | Yes |
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| PayPal has a major flaw in their system that they refuse to address. They keep blaming the consumer and its costing people hundreds of dollars. I have XXXX bank accounts listed on my PayPal account. The first account we will call " Default Account ''. I authorized a transaction but I wanted to pay out of my new account, we will call it " Account XXXX '' for now. I selected " Account XXXX '' at checkout. The screen said " Your payment type has been changed '' indicating that I was now paying out of " Account XXXX '' instead of the " Default Account. '' A day later I noticed that PayPal had instead withdrawn money out of my " Default Account. '' I was upset because this cause the " Default Account '' to overdraft, resulting in a {$32.00} NSF fee. At this time I took no action because I had no proof that PayPal had made the error. I wondered if maybe I was mistaken and had forgotten to update the account settings, although that seemed unlikely. I let it go. A couple days later I tried to do the same thing. I made a purchase and chose " Account XXXX ''. The checkout screen gave a message that I had correctly updated my account choice. Again. I was confident I had done this correctly and went ahead with the transaction. One day later I called the company I was purchasing from to make a change in the product. They had to refund and recharge the same account to make the change. I was fine with this since I KNEW I had selected " Account XXXX '' A couple days later both transactions went through my " Default account '' instead of " Account XXXX ''. I was XXXX % sure I had chosen " Account XXXX '' during checkout and yet PayPal reverted the transaction back to my " XXXX Account. '' I now have a total of {$96.00} in NSF fees because PayPal is selecting the " Default Account '' every time instead of updating to the account that the consumer selects. Over the next week that company kept retrying the PayPal default and eventually I had a fourth NSF fee. I was powerless to stop this. I now have {$120.00} in NSF fees, all because PayPal chose the wrong account. I only authorized " Account XXXX '' and never authorized the " Default Account. '' I called and asked PayPal to refund the NSF fees and they refuse. They refuse to even admit that their system is causing this error. I asked them why they allow XXXX accounts on file if they ALWAYS choose the default account but they wo n't answer because they do n't want to admit fault. I know PayPal wont admit to their error but at this point it is BEYOND the {$120.00}. I know this must be happening to other people ... eventually there will probably be some kind of a class action lawsuit. But in the meantime PayPal is ripping people off and refusing to fix their mistake. If this does n't require the help of the Consumer Protection Bureau I do n't know what does. | ||||||
| 08/23/2018 | Yes |
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| Because of fraud charges, I had to be issued a new credit card. After I had it activated, I went to Paypal in order to update my information, and discovered that my new credit card number had already been updated! I immediately called Paypal, thinking that a hacker got into my credit card account and also my Paypal account. But no, Paypal tells me that this happened because of an agreement they have with my bank, XXXX XXXX, so that when I get a new card, they automatically send the new number to Paypal. I am furious. Paypal never informed me about this agreement. After going around and around with my bank, I find out that this agreement Paypal is referring to is called the Automatic Billing Updater. It is a service provided by Mastercard to merchants who pay them money so that if any of their customers change credit cards, the merchant is sent the new card info. Paypal does not mention that they participate in the Automatic Billing Updater anywhere in their privacy policy. I should be the only one who can give out my credit card number! The fact that Paypal believes they should be able to get it without my consent is abominable! I contacted Paypal asking to be opted out on their end, as my bank will not let me. This time I was told by a " supervisor '' that Paypal is not aware of using an Automatic Billing Updater, and I should contact my bank. This is unbelievable! No one wants to take responsibility for using this service. How can it be that merchants can participate in a service that gives them my credit card number without my consent? How can they lie about this service and hide it? How can the representatives know one minute what I am talking about, and state they never heard of such a thing the next? How can they get away with not stating that they do this in their privacy policy? And how can they get away with not giving their customers an option to opt out? I am XXXX, and reading on the computer is extremely hard for me. After searching all over Paypal 's website for days, my son finally ( four days after the incident ) found mention of this service in their user agreement. It is an obscure line which reads " If this information changes, we may update it as directed by your bank or card issuer without any action on your part. '' If they think this is enough of a heads up for their customers, they are mistaken. We also found on the Paypal community forums where many people have been surprised by Paypal updating their card info, sometimes even before they themselves received their new card. This needs to change. How in the world did it become okay for anyone but me to give out my credit card info? The fact that Paypal is allowed access to my credit card information with out my consent and then takes no responsibility for it, makes Paypal extremely unsafe, and unsecure. | ||||||
| 03/28/2016 | Yes |
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| On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue. | ||||||
| 01/28/2022 | Yes |
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| XX/XX/22 - Venmo request to upload ID, along with Bank Statement. XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name. If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. We appreciate your cooperation and look forward to hearing back from you. Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. XX/XX/22 - Emails sent demanding funds immediately released to bank account. Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Best, XXXX XXXX XXXX Venmo | ||||||
| 12/27/2016 | Yes |
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| Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen. | ||||||
| 05/09/2023 | Yes |
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| On XX/XX/XXXX I placed XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX, and attempted to order 1 black /gray and 2 white t-shirt packs which qualified for free shipping {$9.00}. However, when I received the confirmation email, it only showed 1 pack of each and did not update to the 2 packs of white. So, I was charged the {$9.00} shipping.So, I immediately replied to the confirmation email to cancel the order, as I was going to re-order so the order qualified for free shipping. Then I received an email advising that my reply went to an unmonitored inbox and to use the form. So, I did, with in less then 1 hour of ordering and immediately after being advised of the unmonitored inbox. And again, advised to cancel this order. On XX/XX/XXXX I received a reply that its too late to cancel the order. So, I again reply to the form and requested a refund of the shipping {$9.00}. To date I have received no reply. On XX/XX/XXXX I submitted a XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX, requesting the {$9.00} refund. On XX/XX/XXXX, after no reply from XXXX XXXX XXXX XXXX XXXX I disputed the {$9.00} with my XXXX XXXX credit card ( XXXX ). On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX account receivables department, advising that she had received notice from PayPal that I submitted for a chargeback. On XX/XX/XXXX, I called XXXX and advised her of XXXX complaint # XXXX and my request for a {$9.00} refund. XXXX was not aware of my XXXX complaint # XXXX and was not notified by her customer service department but agreed to refund the shipping {$9.00}. On XX/XX/XXXX I followed up our conversation with an email to XXXX re-capping our discussion and that the {$9.00} would be refunded. On XX/XX/XXXX I called XXXX XXXX and advised that my {$9.00} disputed ( XXXX ) was resolved. On XXXX XXXX emailed me advising that she has been unable to refund the {$9.00} because the dispute was still pending with PayPal and that PayPal charged them a {$15.00} bank fee. On XXXX I called XXXX XXXX and was advised that the dispute ( XXXX ) was closed on XX/XX/XXXX the date I initially called XXXX XXXX. XXXX XXXX also advised they did not charge any fees and the {$15.00} was not from them. On XXXX I tried to close my PayPal account online but was advised I can not because a dispute case was pending. I called PayPal and spoke to a rep via the telephone and was again told I can not close my account because a dispute case was pending. On XXXX I called XXXX XXXX back and was again advised that the dispute ( XXXX ) was closed on XX/XX/XXXX and that PayPal was notified that my dispute ( XXXX ) was closed on XX/XX/XXXX. On XXXX I tried again to close my PayPal account online but was advised I can not because a dispute case was still pending. I want my PayPal account closed. | ||||||
| 01/15/2018 | Yes |
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| Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. I complied with their request with providing the purpose of the payment and it is currently pending. The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. I have already informed them that I will be filing a complaint to the FTC. The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. The larger concern is that they XXXX are auditing comments and invading consumer privacy. I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. If you require additional information, I will gladly share all of my correspondence with XXXX regarding this situation. | ||||||
| 12/15/2017 | Yes |
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Web | Servicemember |
| I have a PayPal credit account. PayPal advertises heavily that they can be used to receive and transfer funds electronically to/from your bank account. They also charge a fee for this service. I used my PayPal account to receive an electronic payment of funds from someone for the purchase of an item I sold. PayPal holds these funds in a " wallet balance '' for the user to transfer to their checking account or other bank account they 've setup with PayPal. Rather than holding these funds for me to transfer to my checking account, PayPal will apply any incoming debits authorized by my PayPal credit account to this " wallet balance '', rather than to my PayPal credit balance. I even have my PayPal credit account set as my " preferred method of payment '' according to their site. I do not think it 's fair for this company to take funds that I anticipated being transferred to my checking account without my direct consent or knowledge. I used PayPal as a money transfer business and paid them a fee for the funds to be transferred to my checking account. I realize that the debits were transactions that I initiated, but they have now taken it from cash funds that were to be deposited to me. PayPal still expects a full monthly credit payment as well. So these cash funds have now been applied to my credit balance by virtue of covering incoming transactions, rather than applying those transactions to my credit balance as initiated, and they demand a full minimum monthly payment. I think this practice is unfair and misleading. And that user funds should be protected. Details of the transaction : XXXX XXXX, XXXX : {$40.00} electronic payment received to my PayPal account from XXXX XXXX. PayPal charged {$1.00} fee for transfer, totaling {$38.00} received to my account. Since the above transaction, four credit initiated transactions came in, totaling more than the {$38.00} received. PayPal shows I have {$0.00} in my " wallet '' to transfer to my bank account. XXXX XXXX, XXXX : Contacted customer service and explained the above. The representative, continuously laughed at me and joked that I spent the money so I correctly received nothing, and have nothing in my wallet. When I explained that it 's unfair that credit transactions were taken from this balance, she informed me that I had to set my credit account as my preferred method payment. When I told her that I had, looking at it online as we spoke, she told me that it did n't matter. I did n't find any of it amusing, and I told her so. Even though this was a small amount of money, I think this practice is unfair. If a credit company that clearly defines themselves as a means of easily transferring money electronically, is actually going to keep the funds and apply it to credit transactions, there should be better communication and safeguards. | ||||||
| 11/16/2023 | Yes |
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Web | |
| Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX Venmo for Inadequate Response to Fraudulent Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo, a financial technology ( XXXX ) company, for their failure to take appropriate action following a scam that resulted in a personal loss of {$200.00}. This incident occurred on XX/XX/2023, when I attempted to purchase tickets for a XXXX XXXX game through the XXXX marketplace, utilizing Venmo for the payment. Details of the Incident : The scammer promised to electronically transfer the tickets upon payment confirmation. After sending the payment, I was informed that the funds were on hold for 21 days and was promised a refund, which was never received. The scammer then requested an additional payment to a different Venmo account, which I recognized as fraudulent and did not proceed with. Despite providing Venmo with detailed information about the scammers, they failed to take any action in returning funds. Venmo knows these are fraudulent accounts, yet does nothing to protect the general public from them. Inaction is action as Venmo is now complicate in the fraud. Key Issues : Venmo 's Failure in Addressing Fraud : Venmo 's lack of action in the face of clear evidence of fraud is alarming, especially considering their access to KYC information and ability to track fraudulent accounts. Lack of XXXX XXXX : The XXXX sector, including Venmo, operates with minimal regulatory oversight compared to traditional financial institutions, leading to a neglect of consumer protection responsibilities. Inadequate Privacy Policy and Terms : Venmo 's terms and privacy policy seem to prioritize their interests over consumer rights, highlighting the need for regulatory enforcement of fair business practices. Reference to Federal Case : I would like to bring to your attention a relevant case : On XX/XX/2023, the CFPB fined XXXXXXXX XXXX {$9.00} XXXX for their inadequate handling of fraud disputes and denial practices. This serves as a precedent for the necessity of holding financial service providers accountable for consumer protection. Request for CFPB Action : I urge the CFPB to thoroughly investigate Venmo 's practices in handling fraud complaints and to evaluate their approach to consumer protection. This incident underscores the need for greater regulatory scrutiny and consumer protection measures in the XXXX industry. I am willing to provide further details and support the investigation, including signing an affidavit to verify the authenticity of my claim. I trust that the CFPB will address these concerns with the seriousness they deserve and initiate appropriate actions. Thank you for your attention to this urgent matter. Sincerely, XXXX | ||||||
| 11/15/2023 | Yes |
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| After XXXX years of frequent and reliable transactions processing donations and payments for charitable work, PayPal has suddenly declined to do any more business with our XXXX certified nonprofit, XXXX XXXX. Reckoning Press publishes an award-winning literary magazine, Reckoning, which is focused on environmental justice. On XXXX XXXX, we sent a payment for a poem to a Palestinian-American author. Immediately after doing so, PayPal placed a limitation on our ability to open any new transactions while they audited our account, asking me ( the president of XXXX XXXX ) to send them a photo of my driver 's license, a copy of our last month 's checking account statement, and confirmation that we had shipped XXXX recent book orders that were paid for through PayPal. I sent this documentation as quickly as I was able, and upon receiving these documents, they reopened my account almost immediately. In fact, they emailed me at XXXXXXXX XXXX yesterday to confirm receipt of the documents, then again at XXXX XXXX to let me know " Your account has been restored ''. Today, I realized I had made a mistake and only sent the author half the amount agreed upon in the contract, so I opened a second, identical transaction via XXXX. Immediately upon processing this second payment, in literally the same minute, they permanently and irrevocably deactivated my account, offering no explanation as to why XXXX XXXX for recourse. Both the confirmation email for the transaction and the email notifying me that " Important : Account features have been deactivated '' are timestamped XXXX XXXX, XX/XX/2023. A member of Reckoning staff pointed out to me that XXXX apparently has some unreasonably restrictive " anti-terrorism '' policies. Here 's one article about it : https : XXXX I can only conclude this is what happened : PayPal flagged XXXX XXXXAmerican contributor 's name as indicative that we must be funding terrorism. Obviously, this is absurd and XXXX. The contributor I'm referring to is a natural born American citizen currently resident in New York, and we're paying this author for a poem per our contractual obligation. But XXXX has provided no path to dispute their decision. There is copious documentation all over the internet of people with similar issues being ignored : https : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX So I feel I have no recourse but to open a complaint with the CFPB requesting that our account be reinstated. I'll include copies of their emails and the documentation I provided below. Please let me know if you need further information or proof. However, I would ask respectfully that our Palestinian-American contributor 's name be kept out of this complaint in order to protect their privacy and secure their safety. Thank you very much, -- XXXX | ||||||
| 01/09/2022 | Yes |
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Web | Older American |
| On the evening of Friday, XX/XX/XXXX, I tried to give my daughter-in-law, XXXX XXXX XXXX, a gift of {$6000.00} to help her understand the beauty of saving for retirement. I have used PayPal since XXXX and have in recent years taken to using it to give my young relatives gifts as the young folk so rarely use checks. I think the PayPal transaction ID is : XXXX. However, XXXX is new to my address list, she and my son married this past XXXX, so things have changed since I last set someone up. Using my Android phone for the transaction, as I just recently did for my nephews ' XXXX gifts, I came to the screen to send. At the top was a grayed out button labeled " Goods and Services ''. I have since learned that I would have to push that button to get to a choice for Friends and Family. But that is NOT at all intuitive. And, then my thumb grazed the blue Send button and it was done. This mistake shorted my daughter-in-law {$170.00}! When she told me, we were in the same room, I tried to immediately reverse it as did she. I then struggled to find a way to ask for help. Through the PayPal Assistant Message Center I explained what happened and asked to have the transaction reversed or otherwise to eliminate the fee. I assure you, as I did them, no Goods nor Services were or are involved. I called the number too and both responses were that I should ask XXXX to call their 1-888 number to have this reversed. Given her working hours the next this could be done was XXXX evening. I filed a dispute and exchanged messages with them again this morning XXXX. The response, through multiple people in their hierarchy, was they were sorry we were unhappy, but the fee could not be reversed. They would return the {$5800.00} to me but never, ever could they refund the fee. It was extremely unpleasant to listen and join in on the call - from time to time we were asked to have the other of us call with the likely goal of getting rid of us. No change to this after filing the dispute. Again, its impossible to refund a Goods and Services fee no matter how sneakily it was collected! I am old, XXXX, but not inexperienced at using technology and the deceptive trick of selecting the grayed out Goods and Services did not occur to me. Then there was no review screen before finalizing ( in my case, grazing ) Send. I feel tricked and my trust misused. I want you to know I have used Goods and Services extensively through XXXX and other online transactions and appreciated its protections when Goods and Services were involved! But this is not this case! I ask you to restore the {$170.00} to either me or XXXX. I especially ask you to make PayPal correct their misleading menu to make it absolutely transparent which category- Goods and Services or Friends and Family- is being selected. Thank you, respectfully, | ||||||
| 02/23/2019 | Yes |
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| Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help | ||||||
| 05/08/2018 | Yes |
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Web | |
| On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3. XXXX : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain. | ||||||
| 05/11/2016 | Yes |
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Web | |
| I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all. | ||||||
| 06/18/2015 | Yes |
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Web | Older American |
| On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. Following is copy of XXXX XXXX 's letter. Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. Hope this information clarifies everything. | ||||||
| 08/13/2015 | Yes |
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Web | |
| I am filing this complaint regarding Pay Pal. The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong. | ||||||
| 10/27/2020 | Yes |
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Web | |
| The hacker attacked my PayPal account on XX/XX/2020 and they got all my credit cards and bank account ( checking and saving ) information that was linked to my PayPal account. I called PayPal right away when I realized that multiple unauthorized transactions happening on my credits cards, bank accounts ( wire transfer ), and purchases on my Paypal that were no processed by me. The amounts of money involved with this hacker attack was {$45000.00} wire transfer from my bank account, {$3600.00} and {$3400.00} of the transfers to another PayPal account, and several credit card charges. Paypal denied my claim ( dispute ) even though it was clearly unauthorized transactions.I appealed the case, and a couple hours later, I received the message that my claim was denied again. I phoned PayPal and they told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police, which I did already that these unauthorized activity happened on XX/XX/2020 Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that " Based on our review, we found this transaction is consistent with your PayPal payment history. '' I do not believe PayPal really investigated my claim. On the same day, I called all my banks that were linked to my PayPal account and told them to stop any payment from PayPal and also explained issues with PayPal. The banks actually did the investigations and I could get {$45000.00} back to my account, and the disputes on my credit card charges were also accepted and refunded me already. Now PayPal is sending me the message that I have the negative balance of {$3600.00}, which was one of the unauthorized transaction. The transaction looks like that I ordered laptop computer, which I never did and the XXXX tracking number on the transaction also shows it was delivered to my address. I called XXXX to find out why the tracking number seemed to be delivered and signed by me, and XXXX told me that the tracking number shows it was delivered to the same city I live, but it was not actually my address ( XXXX could not tell me the exact address it was delivered because it is personal information. ) After talking to XXXX, I called PayPal and explained the unauthorized transaction and the tracking number is also fake/fraud tracking number, and PayPal still told me they can not help anything about the negative balance and the case is closed, and I have to pay for the negative balance of {$3600.00} I have all the documents to prove the fraud and police report numbers. Also, I have 3 PayPal accounts and the hacker also moved around the money between the accounts, which made it more complicated to find out what's going on and where the money went when all the unauthorized transactions happened. | ||||||
| 07/30/2023 | Yes |
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| This company treated me so badly. My bag was stolen while I was in the hospital for a crisis from my mental health issues and my account and card was compromised. The company is blaming me for the incident and will not release my funds even though I won the disputes. I can not help this happened and did not authorize anyone to use my account. They sent me an email telling me there was no way they could help me. How do they have the right to tell me that this is my fault? How can they hold my funds pass the day of the dispute decision. They are holding my funds on purpose and locked my account on my birthday which was very wrong. I just want my funds and I want people to be aware because the company will blame the consumer for a compromised card. They denied the XXXX $ dispute because of the price without a proper investigation. The representatives were rude and cancelled my account due to the XXXX sound in my voice. As a minority of the lgbt community with XXXX history I dont think they should play with peoples money. I can not help this happened. I hope Venmo does something about the judge mental employees. I feel very discriminated against for being a XXXX XXXX XXXX and everyone should know how I was treated. All on my birthday. I just want my funds released. And they put notes on your account to be vicious so the next time you call the way you are treated wont change because of untrue notes left by rude representatives who judge customers based on their voice. They can tell when XXXX peoples call and they know a XXXX voice and treated my account as such. They had the ability to let me withdraw my funds. All of this happened as I got out of the hospital from a XXXX hold. They only made it worse. I have attatched the paperwork from the hospital I was in during this time. I feel so low as a human and my light bill is due and when told about them being disconnected I was told that its not Venmo fault your light bill is behind. This is unacceptable behavior from the women who work there. They were really judgemental and I may have to go back to the crisis center over this situation. Please help me. I have verified my identity 4 times but the robots keep sending the same email. So they have my email blocked from reaching a human who would hear this and sympathize with me. I feel mishandled and sent to the bot machine to handle human affairs. I was told in a rude way that my account was being frozen when XXXX the one reported the activity. They can not do this without even telling me what I did and not let me recover my {$560.00} and extra {$350.00} from a claim they denied because of the price of the transaction but the approved the XXXXXXXX XXXX transaction under the same conditions. This should be against the law and Venmo investigated and sued for XXXX and XXXX discrimination. | ||||||
| 01/30/2017 | Yes |
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| My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused. | ||||||
| 04/05/2021 | Yes |
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| On XX/XX/2021 Paypal limited my account the moment after I loaded {$500.00} of my own cash at a nearby XXXX XXXX store. I have provided all of the information requested of me but my account remains limited. I received an email from XXXX on XXXX XXXX, 2021, XXXX XXXX and it stated the following : XXXX XXXX XXXX XXXX, 2021, XXXX XXXX ( 2 days ago ) to me Dear XXXX XXXX , Thank you for your cooperation in completing the review of your account. You've already completed the following actions as part of our review : - We've received acceptable copies of the following documents or information : We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : Provide a copy of a valid identification document, such as your driver 's license, passport, or any other government issued identification document. Please provide tracking information for following transaction ( s ) to confirm the buyer received your items. -Transaction ID : XXXX Please include the following information : * Tracking Number * Name of Shipping Company including the address of their website * PayPal Transaction ID You can input this information in the Transaction Details page of your PayPal account. If you can't obtain a tracking number, please provide proof that the item was shipped. A Proof of Shipping document can be obtained from the post office or company that shipped your item. You can upload this document to us in the Resolution Center. Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. Sincerely, XXXX PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. I can not verify if this email is genuine because I am not allowed to contact PayPal in any way during this process. They referred to a transaction ID that does not exist in my account, and after they confirmed that I verified my identity, they then proceed to say that I have not provided it. What is going on??? I just want my money ; I will never ever ever use Paypal services again. | ||||||
| 01/22/2022 | Yes |
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| On XX/XX/XXXX my in-law sent money to me via PayPal from XXXX in the amount of $ XXXX. I received an email from PayPal notifying me of the transaction and the amount that was sent. I went to the PayPal website and my account to accept the payment and noticed that the amount stated by PayPal to deposit into my bank account was {$480.00}. I automatically assumed the reason for the deduction was because the money was sent from another country and international transfer fees were taken out. But on XX/XX/XXXX, my in-law sent me $ XXXX and when I was about to Accept the payment, the amount to deposit into my account was $ XXXX. This time, I contacted PayPal to ask why I was being charged the fees as opposed to the Sender and that is when I learned that the fees being charged to me was for goods and services. I then explained to the Rep from PayPal that I was not selling anything and that the money that was sent to me was owed to me by my sister-in-law. The Rep explained to me that an option had been given to my in-law to select whether the payment was for a Friend/Family or Goods/Services. I then reached out to my in-law to inquire, and she stated that this option was not given to her. I then explained to the PayPal Rep that the money was sent from XXXX and in response I was told that PayPal in XXXX is on a different server which could not be accessed in the US. I then requested to speak to a supervisor. The supervisor basically explained to me about the same options that should have been given to my in-law and when I told her that it was sent from another country, she in return lied to me by stating that she was on the XXXX PayPal site and the option was available. I then contacted my in-law again. This time, she shared a screenshot of the PayPal transaction which gives no options but only shows a Goods/Services message which is pre-selected, and no other option was shown to be given. I explained this to the supervisor and requested to speak with upper management or to have my complaint escalated and she told me that there is no one higher than her and there is nothing that could be done about the situation. I then thanked the supervisor and requested her name and any other information that I could include in my formal complaint which I would proceed to file. So basically, I have been robbed by PayPal for the total amount of $ XXXX. I was being charged a fee for goods and services in which I was not selling either of the two and the money that was sent to me was owed to me by a family member. It is unfair that not only was I robbed by PayPal but also lied to and misinformed by a PayPal supervisor. I would like for PayPal to refund the amount which was taken from me and I will make sure that PayPal will NOT be the payment method used for any similar transactions such as this one. | ||||||
| 06/21/2016 | Yes |
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| I have at the bottom a copy of the police report of the incident that took place that I was instructed to do from a PAYPAL associate to remedy the issue that was going on. I also have pasted a copy of the email from XXXX who was also a victim and states that we both know we were not the unlawful parties. As well I have emails from the wrong doer I can provide. I also have XXXX witnesses, XXXX XXXX who was not only there with me the morning it happened, he witnessed the whole thing, including how I called you guys to alert you of suspicious activity on my account. I told you then and I told you before then I was an am a victim of mass identity theft and robbery so handling this asap was beneficial to us both. I also have my manager XXXX XXXX as a witness that when you closed my paypal accounts down without reason or cause after I provided you with police report you asked for, you not only caused me XXXX and money and aggravation, but years of putting together entertainment projects with my manager XXXX XXXX and my lawyer XXXX XXXX for us to profit from, were halted due to the fact 90 % of the marketing and other companies we were using to get these projects going were linked through my paypal account that you closed. Also note that all these companies that we were using will be notified as well as other companies that only use paypal as a means of money transfer, of paypal unlawful doings. Also, you contacted my manager, who you were not working with, or did you have ever any contact with and told him that I owed paypal money, which is highly illegal and incorrect. I have reached you many times to resolve this at no anwwer back. I will remind of the issue as further documented proof but in no way am I looking for a negatation. You had plenty time and I lost plenty of money and time and such, I will expect a phone cal in next few days from paypa reinstating my paypal account and a check for {$1000.00} or {$1000.00} in prepaid cards, mailed following for damages. INCIDENT : In XXXX 2014 a saw an add on XXXX for someone looking for help marketing. I contacted this person and they informed me of what they needed and that was someone who is a good writer to write good marketing ads and post them for electronics company he worked for. So I did. I did several days worth, and he let me know to stop, I had done a good enough job they had sold a good amount of volume and that he would be paying me in next few days. A few days went by I heard nothing. After a week he contacted me and asked me if I had a paypal debit card that he would have to pay me that way. I said I did and provided him the number of the debit card, I did not give him access to my paypal account or passwords, just debit card number for him to pay me. He said he would text me when he sent the {$120.00} he owed me. | ||||||
| 05/24/2021 | Yes |
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| VENMO REQUEST NUMBER : # XXXX I allege that Venmo intentionally constructs their website to *not* close accounts in order to frustrate people so much, they will just keep their accounts open. As a result of a news story regarding President Biden 's Venmo account, I decided to close mine [ XXXX XXXX XXXX ]. However, Venmo would not allow me to do so. I used two browsers XXXX XXXX and XXXX ) and I could not close the account using either one. I would get to the stage where I was supposed to review the Venmo Statement, but the website would not allow me to do so. It just kept saying " Loading '' and did that for about a 1/2 hour on each browser. As stated, I believe that Venmo intentionally frustrates people to prevent them from closing their account. I was forced to take the time to contact Venmo, wait for them to contact me days later, then go back-and-forth discussing the closing, then finally got it closed. Really?! With today 's technology they can't even just simply close an account?! If they can't make this work, why should anyone trust them with money?! They need to do what they say will do : close the account using their website. FROM VENMO : XXXX https : XXXX? XXXX -- XXXX & XXXX XXXX Close Your Venmo Account : In order to close ( cancel ) your Venmo account, please follow this link from a desktop computer browser and click Close my Venmo account '' at the bottom of the page. At this time, personal Venmo accounts can only be closed from a computer, not a mobile device or in the app. By canceling your personal account, your business profile will be permanently deleted ( if you have one ), and Venmo can not reactivate it. You also wont be able to create a second business profile associated with your personal account. Please note, you have the ability to cancel your business profile independently of your personal account. If you wish to cancel only your business profile, youll need to contact us. Youll need to transfer any funds in your Venmo account to your bank account before deleting your account, or return the funds to the sender. Any funds remaining in your Venmo account at the time you close your account will not be available to you without contacting us again. Please note, closing your account will not automatically transfer funds to your bank or return them to the original senders. If you have any incomplete transactions when you attempt to close, you will be prompted to address those transactions before closing your account. Once your account is closed, youll still receive one final transaction history email to the email address on file with your Venmo account, in compliance with federal regulations. Keep in mind that youll need to be logged in to close your account. If you need to reset your password, you can use this link to do so. | ||||||
| 12/17/2020 | Yes |
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| I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. XXXX XXXX XXXX | ||||||
| 06/05/2017 | Yes |
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| After successfully using the PAYPAL website for many years, I recently had a very disappointing experience due to 2 claims filed by a vendor that i provided services for. XXXX XXXX XXXX first filed a Non-receipt claim on X/XX/17 ( XXXX ) the claim was decided in my favor. ( See exhibi t 9 ) He then filed a fraudulent chargeback for the same payment on X/X/17 ( XXXX ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red. The language on Paypal 's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted. Paypal has a legal obligation to make it clear that : a. ) Chargebacks are common. b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this. I ONLY agreed to receive payment for services through Paypal because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans, Paypal should make this VERY CLEAR in conspicuous places. Paypal should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods. Paypal says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all. This is a clear case of " Det rimental Reliance '' since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money Paypal gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims. | ||||||
| 06/23/2021 | Yes |
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Web | Older American, Servicemember |
| I have been earning monies on apps downloaded from XXXX XXXX to my XXXX- I am very successful at this & make as much as XXXX to XXXX $ in a single day - time I spend fluctuates from 1 hour to 12 or even 13 hours. The problem started with the first app I learned from " XXXX XXXX " - an online instructor of sorts back around XXXX or may have been XXXX, the first app was " XXXX '' app. A person would download this app and it instructs you to download another app within the app. Then you are to open and run the app for approximately 30 seconds or so. The first day there may be 1 or 2 to open and run it paid {$500.00} per day that I did this 2nd day it may have 2 or 3 to open and run {$500.00} pay takes maybe 15 to 20 minutes 3rd day might have 3,4, or 5 too open &. run - {$500.00} nice first time I try earning money from apps- {$1500.00} for 3 days work 45 to 50 minutes total -COOL OK now I put my PayPal info in and submit- it states payment in 48 hours Money never arrived - the money was paid by app developer but never arrived into my paypal- it was stolen, these cyber criminals figured out they could go into my XXXX and remove the money before it deposits to my paypal- someone ( s ) has been stealing the money from my work- as I stated earlier I have been earning on apps ever since- ++ most apps I earn on now have a person watch adds or 30 second videos. I may be playing XXXX whereas every few cards I place at top another 30 second add and so on- so to make any money I spend many hours watching 30 second adds. Now the hackers steal the money I earned or they will change the tasks around within the app to suggest I only watched say 15 of required 100 adds videos when in actuality I watched 200 adds - and other times the app will state payment to paypal in 72 hours ok cool 3 days so I do this everyday and I have a payday everyday now sometimes when the timer gets down to say 10 or 15 minutes left of the 3 days they will change the task to say cash out in 257 hours and so on- this has been going on for years - attached is a screen shot of one of the last apps I was working which stated 24 hours for cash out - it took me about 3 hours time to cash out {$19000.00}, okay, that app has been resetting everyday for several weeks now- get the picture- I have sent several XXXX to XXXX XXXX and app developers for all the different apps I have been earning on- no response I also tried calling XXXX XXXX and XXXX XXXX after the bot answering machine my call is dropped before a human answers- as stated earlier I am missing tens of thousands of dollars every week - for two plus years now Thank You There are more cyber crimes that have been being committed by these Same people as I will be filing complaints - these attacks are very serious and need to be addressed Thank You, XXXX | ||||||
| 03/13/2020 | Yes |
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| On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. Here is the timeline of the transactions and emails from PayPal : XXXX XXXX {$280.00} In XXXX XXXX {$97.00} Out XXXX XXXX {$97.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} out XXXX XXXX {$95.00} out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX email from PayPal asking if there was unauthourized access to the account XXXX XXXX email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX Email from PayPal stating access to account was restored XXXX XXXX Email from PayPal stating password changed XXXX XXXX Email from PayPal stating password changed XXXX XXXX {$280.00} In XXXX XXXX {$280.00} In XXXX XXXX {$280.00} In XXXX XXXX Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. I have since closed my debit card and my bank account. I really hope you can help. Thank you, XXXX XXXX | ||||||
| 06/28/2019 | Yes |
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| here is the XXXX case : XXXX : XXXX This is the same complaint I posted against PayPal Inc on the XXXX XXXX XXXX : I made a transaction with a business in XXXX using PAypal because Paypal promises 100 % refund, but now will not give me my refund, tho i have proof. We wanted to purchase tooling to make tires in quantity from XXXX at XXXX XXXX XXXX XXXX via Paypal payment, because Paypal guarantees 100 % money back. XXXX at XXXX XXXX XXXX XXXX did not hold his end of the bargain and wasted a lot of our time, so we tried to get the money back from paypal ( {$1200.00} ) because XXXX never provided a product according to the agreed specifications and time. We have emails of these specifications and XXXX agreeing that he would give us a full refund if he was unable to produce the product before any transaction to paypal ever occurred. I called paypal 3 times prior ) to transaction. The only reason I took the risk with XXXX was because paypal protected my risk The issue is that Paypal will not give us our money back, despite full evidence provided. I called paypal over 15 times in total, spending about 8 hours across a few different days, first calling on XX/XX/XXXX and opening a case with paypal in which I was told to send the evidence via their website upload, which i did. I received an email 3 days later saying I hadn't sent them the evidence and that the case was denied because of this. So I called again, re-opened the case, and this time made certain the paypal employee had received the files and read them/viewed them and confirmed they had them. A day later, I got an email saying my case was denied because I hadn't sent the evidence ... So I called again, confirmed they had the files again, and again my case was denied a day later for the same reason. I did this about 4 times across XX/XX/XXXX to XX/XX/XXXX, each time trying to get a manager/supervisor who could promise me they would handle it, to which they would all tell me that I can not speak to the people who actually make decisions on the cases. I asked to speak to the employee who previously promised me they would handle it, and the paypal employees all say " I'm sorry we do not have the technology to connect to a specific employee. It is random sir. '' Every single employee said they can resolve this case and get my refund, but then my case is denied. It is very obvious by the emails that the seller promised me a refund as well. This should be an open close case in my favor. During all the time on hold, paypal 's waiting commercials kept reminding me that they guarantee protection for 100 % refunds as well, but they keep denying my simple and straight forward case, seemingly without even looking at the glaring evidence. So how am I supposed to hold anyone accountable/be sure that anyone will do anything? | ||||||
| 09/01/2022 | Yes |
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| On XX/XX/XXXX I purchased a preorder for a pair of size XXXX XXXX XXXX XXXX XXXX that will be available in limited quantities towards the end of this year. I purchased them for {$280.00} and used PayPal as my payment.The person I ordered the shoes from was operating a huge Ponzi scheme and scammed people out of millions of dollars. He dissolved the business and did not send out shoes or issue refunds. On XX/XX/XXXX I received this statement via email On XX/XX/2022, XXXX XXXX XXXX was appointed by the Circuit Court for the State of Oregon for the County of XXXX to serve as Receiver with certain roles identified in the Order Appointing Receiver. The owner of XXXX XXXX XXXX petitioned the court for voluntary dissolution under Court supervision and the appointment of a Receiver in order to protect and preserve the assets belonging to the Receivership Estate and to assist in the dissolution of the business. The Receiver will provide updates as they become available. Please report back to this website periodically to stay apprised of events regarding the dissolution/liquidation of the business. I ordered 1 pair of shoes in my size and ordered with the intention of wearing them. I filed a dispute with PayPal on XX/XX/XXXX to try to get a refund by using their protection. On XX/XX/XXXX I was sent this email saying that I was denied because I bought them to resell them and make profit. Regarding your recent case. XXXX XXXX, We apologize for the delay in the resolution of your claim and appreciate your patience. We've reviewed the details of your case, and based on the information we have to date, we have denied your case. For your reference, were including the Dispute Case ID below, and you can find the full dispute and transaction information by logging into your PayPal account and going to the Resolution Center. Dispute Case ID : XXXX Your claim is being denied because the purchase is ineligible for PayPal Purchase Protection according to the PayPal User Agreement. Specifically, items or transactions are not eligible for PayPals Purchase Protection program when intended for resale. This exclusion applies to single item transactions or transactions that include multiple items. What can you do? We want to give you an opportunity to provide us with additional information within 10 days from the date of this email that could help us further evaluate this case. Please contact us by clicking Help & Contact on any PayPal page. Note - If we dont hear from you, we'll consider this case closed based on the decision described above. We're sorry for any problems you may have experienced with the transaction. I do not profit by reselling sneakers. I am simply a consumer and a passionate sneaker collector that was scammed and refused protection from PayPal. | ||||||
| 11/18/2021 | Yes |
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Web | Servicemember |
| I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. I am a XXXX XXXX and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me. | ||||||
| 07/02/2019 | Yes |
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| I performed XXXX XXXX for two customers who paid me {$1900.00} via Paypal on XX/XX/2019, and {$600.00} via Paypal on XX/XX/2019, respectively. These customers filed a dispute with Paypal against me claiming they didn't receive what was purchased and subsequently withdrew the paid funds out of my personal bank account to hold until the disputes were resolved. Both disputes were resolved in my favor and Paypal credited my online wallet the money that was taken. Here are the details for each dispute and notice of the results from PayPal from XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$1900.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX XXXX XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$1900.00} USD Disputed amount : {$1900.00} USD This case is now closed and there is no further action needed. and then received on XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$600.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$600.00} USD Disputed amount : {$600.00} USD This case is now closed and there is no further action needed. PayPal redeposited these funds into my account so now I have {$2500.00} sitting in my account, however, PayPal closed my account prior to the settlement of these disputes and has blocked me from transferring my money back into my personal bank account. They withdrew these funds from my personal account when the claims were filed and by doing so, prevented me from being able to pay my mortgage payment that was already behind on. I'm facing foreclosure because of all of this money taken out of my account. Meanwhile, PayPal sits on my money and is most likely making interest off of it for each day that they hold on to it! When I called their Customer Service Department, I was told that it would not be release for 180 DAYS!!!! There has been no account activity since XX/XX/2019, when PayPal restricted the use and blocked me from sending or receiving any funds. It's been over 2.5 months since my account was used, so there is no reason why PayPal shouldn't deposit the funds BACK into my personal bank account from which they withdrew the money from in the first place. The amount I owe to my mortgage company is less than the amount that PayPal is holding and refusing to refund. I respectfully request help in resolving this matter so I can save my home from foreclosure. Thank you. | ||||||
| 03/06/2021 | Yes |
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| I have been a Paypal customer for at least 20 years and their customer service has often not been the best. They outsource most of their telephone customer service which means they deliberately make communication difficult. My long history with them appears to mean little. The problem is they placed a limitation on my account last week due to suspicious activity. I had made only two transactions in XXXX. One is a recurring debit for {$9.00}, and another was a payment to a merchant I had sent a payment to for {$3.00}. I find their suspicious activity claim to be dubious, so I attempted to ask them why. But because their service is so bad, and because they outsource their customer service to other countries when Americans need jobs, this usually does not help. It did not help this time either. They refused to tell me what the suspicious activity is, and demanded I send them a copy of my driver 's license. I offered to call in and verify information but they rudely refused. I tried one more time to get information and this time, they said they needed a copy of my driver 's license because of the Patriot Act. Are you confused because I am? Which one is it. Is it the Patriot Act or suspicious activity? I guess they figured that I was not going to believe the suspicious activity act they were putting on since there had been none ( only two transactions totaling {$12.00} to previously paid merchants ) so then they tried to use the Patriot Act as an excuse. Then the last representative rudely told me basically they did not care if I used the account or not but they would keep it locked down. How is that for bad customer service? They should win an award! Oh and then they closed the message thread so I could not reply. They should win two awards. Since they make it impossible to speak to someone in the USA, and since they refuse to tell me what is really going on with my account, and since they have been extremely difficult to deal with, I am filing this complaint. I will not be sending them a copy of anything just because they demand it if they are not even going to bother explaining why. I have been a customer since XXXX or XXXX and I could probably verify any information they needed over the phone like all my other credit cards do when there is suspicious activity. I think it would be great if you could investigate what is going on with Paypal and convince them that shipping jobs overseas is a bad idea. But most of all, I think it is great that I do not work for Paypal because I do not think I could do the things they do to customers and ship hundreds or thousands of jobs overseas and live with myself. I do not know how they do it. I would like to keep my Paypal account open but if they really do not want my business, I will have to think about it. | ||||||
| 06/28/2019 | Yes |
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Hi dear PayPal team!
You have sent me an email that you are revewing again the case and transaction to decide for a refund as I didn't get the item paid for. Please get back to me and decide for a refund as I have lost {$360.00} from this transaction.
Best regards, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : |
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| 05/08/2021 | Yes |
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Web | Older American |
| This involves two significant issues with paypal : XXXX ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the XXXX and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. XXXX ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX, who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from ancestry but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled ancestry charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by ancestry. In no case were they authorized to withdraw money from this or any other bank account. I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend. | ||||||
| 08/21/2020 | Yes |
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Web | Older American |
| On XX/XX/2020 I placed an order with a company then doing business as XXXX. The order was for a puzzle and I paid {$40.00} using PayPal. My complaint is againt PayPal for their handling of my grievance against the seller. On XX/XX/XXXX I received a puzzle but it was the wrong puzzle. I had ordered a puzzle showing US postage stamps. I notified the company immediately. They did not respond so I followed up via email. The second time I got a response asking me for a photo of the shipping label and the box I received. I sent both. Over the next several weeks I went back and forth with this company several times. They admitted their mistake, The offered me a fraction of what I had paid. A copy of the email chain is attached. On XX/XX/XXXX I filed a request with PayPal for a refund. I supplied PayPal with all of the above information. The request was identified as " item not received. '' After communicating with the seller, PayPal rejected my claim. I convinced them to re-open it under " item not as described. '' Here are the details : Case ID : XXXX Seller information XXXX Transaction amount {$40.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Invoice ID XXXX PayPal has now reported to me twice that they have gone back to the seller asking for more information. They do not share this information - what they are asking for or what they are receiving - with me. In the first case, PayPal wanted to know if I would settle for half of the refund I was requesting. Further, PayPal has on two occasions told me I can expect resolution by a specific date - but those dates have come and gone. I also attempted to escalate my concerns with PayPal via their XXXX page. They directed me to send a private message. I did but then had to wait XXXX days for this response : " Hello XXXX, we apologize for any inconvenience we course. Share your account info so we take a closer look into your issue. Thank you -XXXX XXXX I had already given them my email address ( account info ) but replied to this message with the information again. That is the last they have responded ( a week ago ). For reference, I am also attaching a sampling of the messages I have received from PayPal on this matter. I believe PayPal is simply stonewalling me and in the process is aiding and abetting a fraudulent company. When I look at the PayPal XXXX page, it is flooded with similar complaints. PayPal should not be advertising that they protect consumers when they obviously do not. While I am still hopeful that PayPal might eventually do the right thing and refund my money, I am hoping I can get to that resolution faster - and maybe help protect others in the future - by filing this complaint with the Consumer Finance Protection Bureau. Thank you. | ||||||
| 03/13/2018 | Yes |
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| In XXXX I started trading XXXX using PayPal. I made many transaction that I will list with the amounts and dates. On XX/XX/2018 PayPal sent us an email notifying us that our account had been permanently limited with no appeal. They claim that I violated their Acceptable Use Policy ( AUP ). They claim that I am in violation for acting as a currency exchange/dealer because I had been trading bitcoin and using PayPal to accept payment. According to the IRS, SEC and according to the 11th circuit court in Florida judge XXXX XXXX stated that bitcoin is not currency, it is property. In the case, they referred to the Texas Department of Banking Memorandum and they stated ( " Exchange of cryptocurrency for sovereign currency between two parties is not money transmission. This is essentially the sale of goods between two parties. The seller gives units of cryptocurrency to the buyer, who pays the seller directly with sovereign currency. The seller does not receive the sovereign currency in exchange for a promise to make it available at a later time or different location. " ). The final ruling was ( " Counts 2 & 3 Should Also Be Dismissed as Bitcoin do Not Fall Within the Definition of " Financial Transaction '' or " Monetary Instruments, '' ). In the AUP and all of their legal documents they never classify bitcoin as currency. I have been debating this with them for the past 2 months and their response is " We see it as currency ''. The contract I signed did not state that and I believe that they have breached our agreement. After all of this happened some of the accounts that had paid us turned out to be hacked and subsequently issued charge backs resulting in a negative balance of XXXX dollars. PayPal went so far as to reverse outgoing transfers to my bank. My take on this is that they have breached our agreement and have had a security breach on their end and want me to pay for it. Additionally this has inhibited my ability to operate my business as well as causing other personal losses. Reversed Transactions : XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX Total : XXXX I have receipts that can be verified through the block chain as well as logs from the site verifying the transactions. The currency has a very high value tied to it so I lost all of the roughly XXXX dollars I started with as well. Some of the transactions even had police reports attached because it is technically property theft. PayPal ignored all of this and reversed the payments. I have done everything in my power to reason with PayPal and rectify the misunderstanding. I have so far called their support line and talked to various PayPal executives to no avail. Any assistance you can render in this would be greatly appreciated. | ||||||
| 09/28/2021 | Yes |
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| On XX/XX/2021, I recieved a payment from a friend for lunch About three hours later I recieved a notice that " Your Venmo account has been frozen due to recent activity that triggered some security alerts. '' At the same time as the notice I recieved the following message from Venmo, " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. We thank you in advance for your cooperation. If you have any further questions, please reply to this email. '' I then asked what the issue was about and if it could be remedied. I recieved the following message " Thanks for following up. I can understand your desire for specific details that lead to this decision but in order to keep our systems safe, we do not provide that information. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. I apologize that we're no longer able to serve you and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. '' I am left both confused and distraught over the closing of the account. Venmo asked me to remove any and all references to Venmo from your website and social media accounts but I never posted about venmo online or used it on any website. At the time I logged into Venmo I was traveling in XXXX for a week on vacation but nothing in the user agreement prohibits me from opening the app while traveling. Furthermore, I read the user agreement and can find nothing I did that violates the terms. Venmo says that my actions or activity are in violation of the user agreement. Venmo refuses to tell me what actions or actives I did that are in violation. As suggested by venmo, I read the user agreement. I can not find any actions or violations which i have committed. I would appear some sort of mistake has been made. I am asking for the CFPB to intercede and restore my account. I appreciate your time in this matter. | ||||||
| 01/04/2021 | Yes |
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| On XX/XX/XXXX I used a PayPal feature called 'Pay in 4 ' to purchase boots from an online merchant. This Pay in 4 feature is similar to other online installment loan providers such as XXXX, XXXX, and XXXX, where the the full amount of a purchase is paid by the provider, upfront to the merchant, and the customer pays the provider in four interest-free bi-weekly installments until the amount is paid off. In this instance, the merchant is referenced in PayPal correspondence as SICAP SRL. The total amount for the transaction was {$510.00}, which was agreed to be paid in 4 installments of {$120.00}, due every two weeks. I made the initial payment of {$120.00} at the time of purchase on XX/XX/XXXX and a subsequent payment, as agreed, on XX/XX/XXXX. I returned the boots to the merchant on XX/XX/XXXX and they issued a refund of {$510.00} to PayPal on XX/XX/XXXX, which should have cancelled out any future payments on this transaction and allocated a refund of the funds already paid to PayPal. On XX/XX/XXXX, PayPal refunded the two payments totaling {$250.00} to my PayPal balance, as opposed to the credit card originally used to deduct the funds, but locked my account access to my PayPal balance so that I am unable to get my money back unless I upload a copy of my Government ID. As a side note, this lock was apparently placed on my account due to a suspicion of fraudulent activity, however PayPal has continued to deduct funds from my checking account, debit card and credit cards without concerns or mentions of fraud. This has been as recent as XX/XX/XXXX. Since the refund, Paypal has continued to bill the monthly installments to my credit card, as well as late fees, totaling {$270.00} despite receiving a full refund from the merchant several weeks ago. I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this issue with no resolve. It was supposed to be escalated to management on XX/XX/XXXX - this also has yielded no results. The Case ID for the escalation is XXXX. I have not received any help on the phone, instead I am bounced between representatives who are unable to answer my questions let alone assist and PayPal has made it so that I am unable to seek resolution using their online resolution/dispute feature on their website. Not only has this matter been handled poorly, PayPal is fraudulently deducting funds from my account as well as holding my refunds XXXX under false pretenses. I have filed a dispute with my credit card company and I am further examining PayPal 's actions towards my account to determine if additional complaints with the FTC and SEC are appropriate. I've enclosed documentation that illustrate the transaction history between PayPal and myself in reference to this particular transaction. | ||||||
| 10/04/2023 | Yes |
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| On XX/XX/2023 at XXXX am, I stopped by this ATM at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw {$400.00} in cash on my Paypal debit card. The machine gave me a receipt and my card, but did not dispense any cash. On the receipt, it clearly states " Transaction Denied '', but I received an immediate notification from Paypal that the money had been debited from my account. I reported this immediately to Paypal and they opened up an investigation. I also called XXXX XXXX XXXX to report the malfunction, but was told that since I'm not a member of their bank, there wasn't anything they could or would do for me. They suggested I contact Paypal, which I had already done. Days later, Paypal made a temporary/provisional {$400.00} deposit, pending their investigation. Shortly thereafter, I received an email from Paypal telling me that XXXX provided logs of this failed transaction and they were satisfied with the verbal guarantee that the money was actually dispensed and the case was closed. I requested that the case be re-opened and that XXXX needed to provide an ATM log AND video of the transaction. Paypal re-opened the case, but immediately closed it, stating they were satisfied with the proof XXXX provided, although I have seen no proof at all and I have this little ATM receipt saying " Transaction Denied '', along with my Paypal log of the same transaction. I went to the XXXX location and asked to speak with a manager. Not only was I denied access to a manager, but they also declined to produce or provide ATM logs or ATM video of this transaction. After submitting a complaint to the XXXX, XXXX contacted the 3rd party ATM company and they both reviewed the ATM audio/video/logs of this transaction and, by their own admission in a letter to the BBB, found that the cash was NOT dispensed and their logs showed the discrepancy. They issued a refund to my card on XX/XX/XXXX, but that refund has not been credited to my PayPal account. I reached out to PayPal, but they insist they reviewed evidence to the contrary and are not only refusing to credit my account with this refund, but they have also deducted the original provisional credit amount of {$400.00} from my account, putting my account in the negative. When I asked the PayPal representative for the evidence they are referring to, he gave me an address and told me I have to request that information via a letter to their Billing Error Department, which I sent priority/signature confirmation through USPS. One of these banking establishments isn't being honest in this case, and since XXXX has responded with apologies and a refund, I can only surmise that PayPal is the culprit. How do I proceed from here? Please advise and help! | ||||||
| 07/07/2022 | Yes |
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Web | Older American |
| I leveraged PayPal 's program to have my rental tenants pay for their monthly rent using paypal. I have 5 tenants that live in my rental building that have paid their XXXX rent to my PayPal property management business account, and they all paid with bank transactions. Paypal refuses to release my funds now for 180 days. I have been working with them for over a week, and each time, they have a different excuse for not releasing my funds. First it was that they need to put a hold on my funds as a new merchant to verify that no-one will request a refund, then it was that i needed 10 transactions before releasing money - ( originally they would hold for 21 days, now it is 180 ). After several calls and 3 way call verification with my tenants, someone took the hold off the funds. However, i can not move the money to my bank account. I owe my mortage on this building and can not get a straight answer from anyone. I have kept very good logs of all conversations, emails, letters, etc. As of yesterday, i worked with a person ( named XXXX ) that helped me said that she would notify the internal group to remove the limitations. Except - today i came into a notice that said : " After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal. '' The " see details link '' says : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX However- they are not telling me how i am in any violation ... .. or what i need to do. Do they have the right to just hold my funds for 180 days without demonstrating risk or any cause? Where is the regulatory oversight on this type of money transition? While Paypal is not a bank, they do process payment transactions, so where is the payment processing governance? Do I need to obtain an attorney to get my funds? The disclosures and Agreement do not clearly indicate this type of impact to small businesses .... shame on them. I am glad to provide my log of conversations, screen pictures, and emails for your review. XXXX | ||||||
| 09/14/2023 | Yes |
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| I had a fraudulent payment experience on PayPal XXXX of XX/XX/2023. I immediately warned Paypal and my credit card issuer XXXX by phone and email to cancel the payment and take immediate action. Unfortunately, neither PayPal nor XXXX took the necessary action against the fraudsters. Although I called them several times and provided all the information, these financial institutions closed the dispute without any action. They didnt even give any information about the fraudsters for 3 months. I have classified all files and screenshots about the fraudulent payment. The main problems with PayPal and XXXX I experienced are as follows : 1 ) PayPal did not take immediate action to stop the fraud by paying the money to the fraudsters instead of pending the payment although I informed PayPal and sent an urgent email Phishing Department immediately by call and email including the fake emails and all relevant information in detail. 2 ) PayPal did not continue my case due to XXXXXXXX XXXX opening a case which was made on PayPal 's advice to contact them as the credit card issuer. PayPal still gives the pass to XXXX instead of investigating the fraud case that is caused against them and me. XXXX ) The main excuse PayPal mentioned and shared with XXXX to close my case is their policy regarding the selection of the friends and family option made during the transaction. My excuse is that it was the first time I was sending money through PayPal, the person who was the fraudster told my daughter to choose this option to finish the process faster, and most importantly there was no warning on my screen informing me that the payment can not be refunded if I choose that option and if something goes wrong. ( Screen captures of my mobile transaction uploaded ) XXXX ) XXXX contacted PayPal as the merchant and did not investigate the whole transaction as is supposed to be in this clear evidence of fraud. XXXX asked me to give PayPals transaction details instead of asking PayPal about the fraudsters and what they might introduce regarding the fraudulent transactions and all the fake emails they sent to me. I have replied to XXXX to collaborate with PayPal and gather all information from the receiver of the funds who was the fraudster by contacting her. Unfortunately, XXXX didnt mind the response and closed the dispute without any measure. I am concerned that neither of these companies has provided any updates on my fraud case or the status of the fraudsters involved. I am unsure if these companies prioritize their customers safety or the interests of the perpetrators. It is important for these companies to uphold justice and prioritize customer satisfaction while still adhering to their policies and maintaining ethical business practices for all. | ||||||
| 11/29/2022 | Yes |
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| Hello, My name is XXXX XXXX and I've been a PayPal ( PayPal email : XXXX ) user for XXXX plus years at this point, and have been using it as my main payment processor. Earlier this year ( XXXX of XXXX ) PayPal limited my account for the first time and requested that I provide them with in depth transaction details, business information, explain the nature of my business which I did and within next few days my PayPal Account was UNLIMITED and returned to its original state. ( Screenshot will be attached below )! 6 Months after that ( on XXXX XX/XX/XXXX ) PayPal permanently limited my account once again without any option to appeal it at all. I've tried reaching out through support and e-mails provided to me without any success, I've only been provided template responses ever since, with them refusing to disclose reasoning behind the limitation. I'm the owner of a XXXX XXXX XXXX ( XXXX XXXX XXXX ) which provides its clients with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which entirely complies with PayPal 's Policy and Users Agreement. ( Business Registration and Info will be attached below ) I've been using PayPal as my main payment processor since I started my Online Business ( back in XXXX ) and my operations never shifted, since day one I've been providing the same exact service to all of my clients and some of them have been paying me through PayPal for years which says enough about my business practices. I've got a legal entity registered under my name in my Country of XXXX ( Legal Documentation Provided Below ), I'm managing a Legal Business Operation and my business produces on average over XXXX Transactions Per Year with a Chargeback rate of under 0,01 %, and it's been like that for XXXX plus years. With PayPal 's most recent actions they froze XXXXXXXX XXXX of my available balance, money can't be sent, withdrawn or used in any shape or form. This is an illegal action since you've already reviewed my account a few months ago and everything was fine. So if you already want to part ways with my business you have to allow me to withdraw funds that were on the balance when you initially asked me for my business details 5 months ago. Since obviously according to you everything was fine back then. You are only legally allowed to freeze funds that were made after that period and your review. I'm really looking forward to being able to work this out with PayPal and provide them with any sort of evidence they might need since all of my products and services are 100 % legal and don't break any sort of XXXX. If PayPal keeps on ignoring my requests like they did until now i'll be more then happy to proceed Legal Action against them and Contact Legal Entities responsible for paypal 's practices! Best Regards | ||||||
| 10/27/2020 | Yes |
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Web | Servicemember |
| On Saturday, XX/XX/20 I listed a large comic book lot for sale on XXXX to be purchased by the highest bidder. The winning bid was placed and the item was paid for on Tuesday, XX/XX/20. I then shipped the books through XXXX ( I'm a XXXX store owner ) using not only a tracking number but also a required signature. The package was confirmed as being delivered and signed for on Friday, XX/XX/20. The buyer even posted a positive feedback on the transaction in my XXXX profile. I was then noitifed by Paypal that they are holding my payment received from the buyer, even though they had already taken out there fee for the transaction AND the buyer had already received the items. They first stated they could not verify that the package was delivered. I referred them to my XXXX tracking number and signature receipt and they refused to accept that as proof. I tried to call the numbers but they do not take phone calls. I was forced to communicate through a series of slow texts which took hours to get a response. When I would get a response as to why I can not have my money I am entitled to I would receive a different set of " goose chase '' directions to do. The first time they said they could not verify my email address so I gave them additional proof. Then they stated they could not see the tracking number, which again I pointed it out ( it was clearly visible ) then they stated they needed me to reach back out to the buyer and get them to contact Paypal so say they received the package, which I did. Then they stated that because the address I shipped the package to was different than the address the buyer listed in his paypal account, which was a PO Box . I again explained as a XXXX Store Owner I do not ship to PO Boxes, only street addresses as PO Boxes do not have protection for items sold which is why shipping companies will to ship to PO Boxes. I further explained to them that no where in Paypal 's policies does it state I had to do all of these extra things in order to get my money I am owed that they are refusing to release. It states in their policy that once an item is verified as being received through the tracking number in the listing, the money will be released. I did just that and they are still refusing. It is XXXX dollars they are refusing to give me which is a lot of money and they no longer accept phone calls from anyone so I have no where to go with this. It is way too much money to walk away from. I did my part as shipping business owner and shipped the item out with a tracking number and signature which is verifiable. The fact that they are refusing to accept that as valid proof of delivery and will refuse to release my money turns this issue into a fraud situation. I really need some help as I have no where else to go. | ||||||
| 01/29/2023 | Yes |
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| Subject : Complaint Regarding Unauthorized Transaction and Limitation on PayPal Account Dear PayPal Team, I am writing this formal complaint to bring to your attention the unauthorized transaction that took place on my PayPal account on Tue, XXXX XX/XX/2023. I have discovered that the transaction was for an amount of {$200.00} to XXXX XXXX, which I did not initiate. In addition, I have also discovered that a new address ( XXXX XXXX XXXX XXXX, CA XXXX ) has been added to my PayPal account without my authorization. I immediately took action and reported the unauthorized transaction by calling your phone support. I was provided with a case id ( XXXX XXXX and was assured that the matter would be resolved in my favor within 10 calendar days. However, on Sat, XXXX XX/XX/2023, I received an email from " XXXX '' informing me that my account has been temporarily limited due to some information that needs to be confirmed in order to keep my account and money safe. This has taken me by surprise as I was not provided with any information or explanation as to why the limitation was put in place. I strongly believe that my personal information has been leaked during the unauthorized access of my account, which has resulted in this limitation. The email I received suggests that some information needs to be confirmed in order to lift the limitation, but I have not been provided with any further information or explanation as to what information is required or why it is necessary. I am attaching my XXXX 's card statement with this complaint and request that you lift the limitation using this information. I have already provided a bank statement to your team on Wed, XXXX XX/XX/2023, and it was reviewed and my account was restored on the same date. I therefore request that you investigate this matter and lift the limitation on my account as soon as possible. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute any unauthorized transactions on my credit card or bank account. This act protects consumers from inaccurate or unfair billing practices and ensures that they are able to dispute any unauthorized transactions that they may encounter. Furthermore, the Electronic Fund Transfer Act ( EFTA ) ensures that consumers are protected against unauthorized electronic funds transfers. This act regulates all electronic fund transfers and establishes the rights, liabilities, and responsibilities of participants in these transactions. I would appreciate a prompt resolution of this matter and a full refund of the unauthorized transaction. I look forward to your prompt attention to this matter and request that you keep me updated on the progress of your investigation. Thank you for your time and consideration. Sincerely, XXXX | ||||||
| 12/14/2018 | Yes |
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| I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. Gift Card Scams from PayPal. The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow. | ||||||
| 11/21/2023 | Yes |
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| On several occasions I have bought different types of cryptocurrency from pay pal. Some of the time I am able to buy crypto and send it to an external wallet immediately after purchase without problem. But there have been several occasions when I could not send my crypto to any external wallet even when my account is in good standing with no limitations and it is a valid crypto address Im sending to. I receive and error message stating there was a problem and trying to send again may fix this problem. But when this happens it can last for days and even weeks and in that time my money is subject to the volatility of the crypto market if I choose to leave it in crypto or I am forced to pay PayPal a fee to sell. When I inform customer service of this problem Im told it is a security measure put in place to protect my account even though the error message I receive is stating its a problem and even siting what may fix the problem. Several times I have been forced to sell my crypto to be able to pay merchants or send to any external wallet and have never had any issues when I am selling it only when trying to send it. Each time I have to sell PayPal charges a XXXX $ fee. I feel like if I need to buy and send crypto paypal can force me to have to pay their fees by refusing to send it. So Im having to pay fees to buy them. pay fees to sell them and pay fees again to buy on another platform just to be able to send money. When I ask customer service to check into why Im unable to send the crypto Ive bought, Im told I to just sell my crypto and try again. This happened most recently on XX/XX/XXXX I bought XXXX $ of XXXX for XXXX and was forced to sell when when all my attempts to send failed eventually selling for XXXX and agin on XX/XX/XXXX again buying XXXX $ for XXXX and forced to sell for XXXX. These are not isolated incidents. I have had this happen with XXXX XXXX XXXX XXXX, and others. Other first time I encountered this problem I was unsure if was only XXXX so I tried a couple different times also trying on the website vs the app and all in all that day I racked up over XXXX $ in fees alone from PayPal and finally just gave up amd I was never able to send any of it. I informed customer service again who said they werent liable for any fees I incurred as this was a security measure put into place for my protection. Ive informed them several times and never get any other explanation other than it is a security measure and they are not responsible. I dont understand that if its a security measure, why I would get an error message stating that there was a problem and trying again may fix the problem. I am not the only person that has had to deal with this as I have found many complaints from others about this on PayPals website alone. | ||||||
| 08/09/2023 | Yes |
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| I've been using PayPal for some time. And I'm a XXXX with. paypal. And then I suddenly I'm running into problems. I verify my identity on numerous occasions and the transactions. But today, for some strange reason, they shut down my account and won't give me a reason why. And the only assumption I can assume is that when I transferred {$1000.00} out of my PayPal account. to two friends that live close to a bank to go deposit my money into my passbook account savings account. PayPal gives me a stupid notification saying that after review or limiting your account and you can no longer use paypal. So I call customer service. The gentleman is telling me. all the things that I know about but they're not telling me the reason why he's telling me. Oh, you don't know the law when I do know the law because I used to practice the law. And I'm telling them to pass me to somebody higher up than him. And he's refusing to do it. And I explained to him that as a XXXX, I'm into the business of making money, not losing money. And numerous people complain about PayPal And then I'm finding out a lot of other things about PayPal being hacked. Well, the people that sit above us, the Board of Directors, are spending the money. On their personal gain. And there's no way of getting all their corporate office. So I emailed the investment relations department. PayPal should be mindful that every department in that PayPal should be reachable by telephone, including someone that sits in the corporate office. Not just the customer service telephone number you call and so on and so on. But they closed my account for reason. They won't give me. But like I said, I can only assume it's because of the two transactions I did. Then I did a wire transfer to my bank on XX/XX/XXXX. Go ahead and behold that, they stopped that transfer. And they won't tell me why. Paypal remind should be dealt with in the Court of law, which they've been to court numerous times in the XXXX XXXX. Should take a look into them too. But I'm getting ready to file out a complaint with the Consumer Financial Protection Bureau. And my attorney general 's office. And whoever, what we need to do. Is come together and file a big, major lawsuit against them because their security system XXXX. Their security system kicks in when it shouldn't kick in. That's our money. If we want to transfer to XXXX and not to a XXXX organization, then we should be allowed to transfer our money to whoever. Because two of my banks. Wait, let me correct that. Three of my banks refused to let me use my PayPal card with them. Basically, PayPal is a scamming company money transfer company. And they should be out of business completely. And the CEO should start taking serious to these complaints that people filed. | ||||||
| 06/25/2019 | Yes |
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| I used the Request Money transaction in Pay Pal on XX/XX/XXXX to request {$200.00} from a friend. She responded and sent me the amount. At least 24 hours went by before I moved the money to my bank account. On XX/XX/XXXX I again used the Request feature for {$300.00} from a different friend. At no time during either transaction was I advised that there would be a fee nor did the website advise on the Request page that there would be a fee. On XX/XX/XXXX both my friend and I were having problems getting into Pay Pal at approximately XXXX XXXX. At XXXX XXXX we were able to complete her end of the transfer. I helped her walk through it as she had not done it before, at no time did she click on anything that this amount was for goods and services. When she completed her end, I then logged into my account and verified that my Pay Pal balance was {$300.00}. I had to take a call and leave for an appointment. Later that afternoon I went in transfer the money to my bank account, however, I noted the balance was {$290.00} now because a {$9.00} fee had been taken by Pay Pal. At XXXX XXXX EST I called the Pay Pal customer service number at XXXX. I was finally able to reach a live person who said his name was XXXX, we were on the line for 29 minutes and he could not explain why my transaction on XX/XX/XXXX was not also charged a fee, he said it must have been an error on their part. I asked to speak to a supervisor, he said there were none there. I asked for his last name, he refused. I asked for his employee ID, he refused. He gave me his extension as XXXX. After further discussion he said he would find a supervisor. He kept me on hold for long periods and I finally told him I would call back later as we had been on the phone for 29 minutes. I called back to the same number at XXXX XXXX EST and reached XXXX, she was giving me the same run around so I asked for her supervisor. She put me on hold, within a few minutes I could hear and XXXX answered identifying himself as a supervisor. We went through everything and he was not able to tell me where I would have seen the information advising me of a fee. I asked for his last name, he refused and said it was company policy. He said he could give me his supervisor ID which was XXXX. I asked for his extension number and he said they did not have extension numbers. I told him about the previous call and that XXXX had given me his extension. He said that XXXX must have been mistaken and that was his emplyee ID. I advised him that I would be filing a complaint regarding employees using false names ( XXXX was clearly at an offshore phone center ), not disclosing fee information upfront and for refusing to provide full identification and contact information. This second call lasted 43 minutes. | ||||||
| 08/27/2018 | Yes |
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| On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them. | ||||||
| 11/18/2015 | Yes |
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| I have had a Paypal account for over a decade and use it for a variety of purposes. Three months ago, Paypal froze my account ( and withdrawal ability ), which contains {$1300.00}. I emailed their compliance department, but my request for the funds was denied. I have been using one of their products, MyCash, for over a year, in order to fund my account. Paypal 's TOS states that MyCash can not be " withdrawn to a bank, online bank, ATM, or prepaid card. '' I have followed this policy, and have challenged them to find a counterexample example in my transaction records. However, Paypal has not cited any example ( despite my request ) of how I violated their policy -- so I am completely in the dark! In addition, the contact information in their email to me appears to not lead to the right department. When I have called them ( twice ), they have given me scripted responses without any investigation. I believe I am entitled to a proper, respectful, and reasonable response as they are holding {$1300.00} of my money and not returning it. -- -- -- -- -- -- My email to their compliance department : Paypal Customer Service instructed me to email you in order to resolve the above case -- I 'd like to get more information about why the account has been limited and what led to the restriction. My basic understanding is that Paypal My Cash is to be used for Retail transactions only. I am certain that I followed this policy and need this case to be examined. 1 ) Are there any specific transactions that were against Paypal policy? If so, can you please list these transactions? 2 ) My account balance is {$1300.00}. This amount has been restricted for 77 days. When will these funds be available for withdrawal? -- -- -- -- -- -- Their response : For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. Below is part of the email that was sent in regards to the use of the My Cash product. We 're not sure you 're aware but it appears the MyCash has been used for deposits to your PayPal account, and those deposits have been withdrawn to a bank, online bank, ATM, or prepaid card. The MyCash feature is for making deposits to your PayPal account for retail purchases. If we continue to see this activity of using the MyCash with your PayPal account for cash withdrawals, we may have to limit or close your PayPal account. Unfortunately due to the continued use of the product as aforementioned, your account has been limited. Money in your PayPal account will be held for 180 days. After 180 days, we 'll email you information on how to receive your funds. We regret any inconvenience this may cause. -- -- -- -- -- -- | ||||||
| 05/14/2023 | Yes |
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| On XX/XX/2023, I discovered at least {$650.00} in fraudulent transactions on my PayPal account, all from XXXX merchants, XXXX and XXXX. I rarely use PayPal anymore because I have had thousands of dollars stolen from me in this due to fraudulent XXXX charges for purchases " in-game. '' They have never refunded me a dollar of money from XXXX. I was shocked to receive {$460.00} in provisional credit from them. PayPal was not the only XXXX of my financial institutions where there was fraud. It was spread across every credit and debit card I owned starting in XX/XX/2023. I received a phone call last week from Paypal or a Paypal collection agency trying to collect a " debt '' of {$170.00} that I owed on my account. I was reasonably shocked since all of my fraudulent charges came via my PayPal debit card, and I had not even received a new card until XXXX and a XXXX weeks ago. I have not involved Paypal in any financial dealings since the massive fraud was committed. I went online and found that of the {$460.00} in provisional credit I was given, they had " reversed '' the refund of {$200.00}. No reason was given, and there is no way to appeal. I have attached a page showing that PayPal states " Refund Reversal '' and an amount. No other information, including the transaction date, company name, etc., is listed. After doing independent research, I realized all these charges were from XXXX. More alarming is that they still have XXXX XXXX cases OPEN, for which I was given provisional credit of {$250.00}. I have a funny feeling things are not going my way. Upon checking every dispute, I found {$55.00} ( all XXXX fraud ) that were summarily dismissed as " authorized transactions. '' I never received any credit for these items. I have received permanent acclaim for {$130.00}. {$82.00} of that amount comes from XXXX, where all transactions were taken to be fraudulent. Another {$48.00} comes from XXXX. Every claim, except for XXXX, is for amounts under {$4.00}. Strangely, many days are in common between the XXXX items that were dismissed, those initially given credit and then found to be authorized, and the outstanding matters. For example, on XX/XX/2023, an XXXX charge for {$2.00} was found unauthorized and refunded. And on XX/XX/2023, another XXXX charge for {$4.00} was similarly refunded. On XX/XX/2023, another fraudulent XXXX claim for {$16.00} was first reimbursed and then reversed on XX/XX/2023. Notice anything funny about this transaction besides, oh, maybe the amount of money in dispute. Also, all summarily dismissed claims happened on XX/XX/2023, and XX/XX/2023. I'm not sure how one can dismiss claims the day before and the day of my reporting of fraud. I have attached examples of the different types of emails received. | ||||||
| 08/27/2023 | Yes |
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| From : XXXX XXXX Re : PayPal Account Hold Unjustified and Ambiguous Actions Dear CFPB Representatives, I hope this message finds you well. My name is XXXX XXXX, and I'm writing to raise a serious concern regarding PayPal and its actions, which I believe are in violation of my rights as a consumer and potentially in contravention of specific U.SXXXX financial regulations. On XXXX, PayPal sent me a communication indicating that they have ceased processing payments for my account. Their rationale, as stated, is notably ambiguous : they cite " activity on this account that we can not support '' without offering any specific details or clear reasons. As a long-standing user of PayPal, XXXX have always adhered to their terms and conditions and, to the best of my knowledge, have never engaged in any prohibited activities. I find their decision not only puzzling but also deeply concerning. By freezing my account, PayPal has effectively trapped a significant sum of {$4000.00}, which they claim might be held for up to 120 days. While they note the potential for chargebacks or other financial liabilities, there have been no recent transactions or activities on my end that would warrant such a drastic measure. This situation raises several issues : Lack of Transparency and Specificity : PayPal 's vague communication and broad reasoning deprive me of a proper understanding of what has transpired. Such opacity in business practices raises questions about fairness and transparency. Potential Breach of the Electronic Funds Transfer Act ( EFTA ) : By holding my funds without a clear reason, I believe PayPal might be violating provisions of the EFTA, which ensures consumers are provided clear information regarding electronic fund transfers. Undue Financial Strain : The locked funds have caused significant financial inconvenience. The fact that they can hold the funds for up to 120 days without a definitive reason feels like a breach of good faith and fair dealing. Ambiguity in PayPal 's 'Supported Activity ' Section : Having reviewed the 'Supported Activity ' section in PayPal 's Help Center, I still find no clarity on what might have triggered this action on my account. It's essential for service providers like PayPal to provide clear and accessible information on what constitutes prohibited activity. I humbly request the CFPB to investigate this matter and ensure that such practices are held up to the highest standards of scrutiny. Consumers deserve clear communication, especially when dealing with financial matters that can significantly impact their lives. Thank you for your attention to this matter. I appreciate your dedication to protecting consumers and hope to find a resolution soon. Warm regards, XXXX XXXX | ||||||
| 06/06/2016 | Yes |
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| We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes. | ||||||
| 08/22/2015 | Yes |
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| In XXXX 2015, I established a PayPal business account for use related to my XXXX. Within one month of using my account, I received a notification from PayPal indicating a limitation was placed on my account and I could not access funds for 180 days. During the one month of my PayPal use ( XXXX 2015 ), my transactions related to the following : XXXX personal deposits to my PayPal account for retail purchases on eBay, XXXX eBay purchases, and XXXX receipt of payment for an XXXX rental. At no time were funds in my account withdrawn to a bank account or transferred to any other individuals. Following the account limitation placed by PayPal, I called PayPal customer service and spoke with a representative by the name of XXXX. During my conversation, the representative was unable to specify the reason for the limitation being placed on my account. He indicated PayPal uses proprietary methods for analyzing accounts. As a result, the only explanation of the limitation I have received to date is summarized below from a notification from PayPal : '' XXXX XXXX, 2015 : We noticed one or more of the following problems : You provided information that we believe was false, inaccurate, or misleading ; orYou sent or received money that was potentially related to fraudulent activity ; orYou have more than one account with a negative balance ; orYou are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. " I would like to address the aforementioned problems identified by PayPal:1. ) You provided information that we believe was false, inaccurate, or misleading. - All personal information in my PayPal profile, including social security #, birthdate, address, business name, etc ... are true and accurate. PayPal has not provided evidence of the contrary. 2. ) You sent or received money that was potentially related to fraudulent activity. - The only funds received during my one month of use on PayPal related to an XXXX rental. The funds were sent directly from XXXX and do not relate to any fraudulent activity. 3. ) You have more than one account with a negative balance- As of XXXX XXXX, 2015, my account has a balance {$2800.00}. At no time during use of my account was the balance ever negative. 4. ) You are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. - After a detailed review of PayPal 's agreements, I utilized the service in accordance with all rules and regulations. At no time were funds ever withdrawn or transferred to outside individuals/entities. My PayPal account was used for retail purchases on eBay and receipt of payment for an XXXX rental. | ||||||
| 12/01/2023 | Yes |
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| I am filing a complaint about Paypal 's negligence in managing a series of fraudulent transactions. For background, I have my XXXX checking account linked to my Paypal account, and XXXX fraudulent transactions were made out of my Paypal account, and credited to a bank account at XXXX ( account ending in XXXX ). Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$130.00} > into XXXX ( account ending in XXXX ). Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$200.00} > into XXXX ( account ending in XXXX ). Transaction XXXX ) XXXX parts -- Part XXXX on XX/XX/XXXX ) Debit out of my XXXX securities account for {$500.00} > into my Paypal account ( credited XX/XX/XXXX ). Part XXXX on XX/XX/XXXX ) Debit out of my paypal for {$500.00} > into XXXX ( account ending in XXXX ) ... .to be credited XX/XX/XXXX. I even told them on XX/XX/XXXX that the " fraudster/originator '' has already debited fraudulently twice before and they will certainly try to transfer the {$500.00} as soon as it comes in and to PLEASE STOP ALL PAYMENTS OUT OF MY ACCOUNT. And they told me " well, sir, you could transfer those funds back to XXXX before the fraudster does '' ... .and then recommended I setup XXXX authentication. They didn't understand that whoever this fraudster is has access been able to transfer funds out EVEN after I change my password, which means they have hacked my phone. It's the only way someone would be able to debit an account that way. I called XXXX so they could stop the payment ( and reverse the original XXXX payments ) and they said they could not help me because they would need the originator 's information ( bank account number full XXXX digits not just the last XXXX ). Paypal will not give me the information I already asked for. I also called XXXX and they washed their hands of any responsibility. I asked them to recall the funds with a letter of indemnity and they told me Paypal has to initiate any fraud investigation and resolve it. I then called PayPal XXXX to ask why they let another debit go out and to stop the payment ... and they said they couldn't. I asked ( via their message center on the PayPal app ) for them to claw back all three transactions, otherwise to give me the transaction information including bank account information so I can send it to XXXX, but have not responded to me with any information I requested and have not reached out to any of the other institutions to try to resolve the issue. They haven't even called me back to follow up on the matter, and have not responded to the messages I've sent through their message center. As of right now, there is a total of {$830.00} being fraudulently held at XXXX and no one is helping me. It's why I filed this complaint. | ||||||
| 11/02/2021 | Yes |
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| In XX/XX/2021 of this year. I had to file a police report due to the fact that my house was broken into. Upon examining what was taken I realized my wallet was stolen with my PayPal cash card, my drivers license, social security card and my laptop with all my passwords to my account, also some jewelry items I had at the time. Due to this issue I have dealt with a lot of issues with Identity theft. My PayPal account was hacked. My XXXX was hacked. I contacted the XXXX Sheriffs Department, filed a police report and was advised to contact XXXX to delete my account and that I would need to contact PayPal and inform them of any issues with my account and that they would investigate the issues surrounding the burglary. I was finally able to have my court case and the perpetrator arrested who unbeknownst to me was a neighbor who lived 2 doors down from me at the time of the incident. Working with PayPal I had to submit a claim due to activity showing money received by from the Department of Labor in XXXX State was being posted was then immediately transferred to multiple cards that the perpetrator had attached to my account. I immediately contacted PayPal again. I was able to change my email, phone number and information on my account and had secured my account. During this time from XX/XX/2021- XX/XX/XXXX I didn't have access to my account. After submitting my claim. I was informed to supply documentation supporting my claim. I supplied a police report and docs from the court. I was informed by PayPal a few days later PayPal closed the claim ( XXXX ) and I was refunded {$3700.00}. Due to the fraudulent activity PayPal has limited my account permanently to the point where I cant access the refunded funds holding me liable even though the claim was won in my favor. I contacted PayPal XXXX and was advised that they would allow me to add my card or bank to withdraw the funds. I have contacted support and was advised even though PayPal corporate informed them to add my card and/or bank so I would be able to access the monies stolen from me. That I would need still to wait another 6 months to receive my money even though I have waited for the outcome of this issue. This is unacceptable! Why should I or anyone have to pay for the acts of a criminal? All I want is PayPal to acknowledge that I did win my claim, remove the limitation on my account, allow me to attach my card, bank to transfer my money out to me or send me a refund by check and to close the account. I have attached a screenshot of the message showing the message received from PayPal stating they would allow me to have my funds and then the next minute say sorry you have to wait 180 days. I also submitted a claim to the XXXX XXXX XXXX *see attached* | ||||||
| 10/28/2018 | Yes |
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| During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW. | ||||||
| 03/03/2016 | Yes |
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Web | Servicemember |
| PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount. | ||||||
| 01/14/2017 | Yes |
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| I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. thank you, XXXX XXXX | ||||||
| 03/27/2020 | Yes |
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| To Whom It XXXX Concern, We are a 100 % federally legal and compliant XXXX XXXX XXXX XXXX, who formed in XXXX of XXXX, and have been conducting business online since XXXX. We set up our website via XXXX, and chose PayPal as our payment processor. The name of our company is XXXX XXXX XXXX, and that name appears on the EID paperwork that PayPal asked us to provide to confirm the account. Prior to them freezing our account due to their false accusations that we have violated their XXXX XXXX policy they processed our first 20 payments. After accepting the last 2 payments they placed a hold on our account. Before this hold, we had spoken with PayPals customer support management team on several occasions and not once was anything brought up about our products violating any company policy they had in place. If they felt our company violated any such policies, they could have informed us that they consider XXXX to be a XXXX XXXX instead of the legal XXXX XXXX that it is. Had they done so, we would have sought out a different processor to handle our needs. Per our lawyers guidance, we sell XXXX XXXX to 48 of the 50 United States. Since the passage of the 2018 Farm Bill Act, XXXX is now considered 100 % federally legal so long as it remains compliant under XXXX XXXX XXXX. This account freeze comes at a crucial time, right when the XXXX season is picking up and farmers are starting to purchase the XXXX they plan on XXXX this year. Any holdup hinders our abilities to help them have a successful season. It also hinders our companys ability to succeed and thrive in our first and hardest year. On top of this, we are now facing the COVID-19 pandemic. We would normally have no trouble weathering this situation since we are able to operate out of our private quarters, with minimal outside contact. Now we will be forced to go out in public, risking our own health and wellness, so that we can pay cash and ship at the Post Office. We will have to pay out of pocket to ship these orders since PayPal has seized our funds, including payments for shipping. This issue has caused us to work several extra hours contacting groups such as yours and many others in an attempt to find a resolution. PayPal is essentially halting our business until we can locate another payment processor. In other words, we are struggling to stay afloat. We thank you for your time and efforts and anything you can do to help us in resolving this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are attaching multiple screenshots of our PayPal accounts status, a letter to PayPal and our XXXX dashboard showing payments that were accepted and held. And here is a video link showing that our business documents were accepted : https : XXXX | ||||||
| 04/28/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, a friend wanted to send me {$180.00} via VENMO, I had just set up an account roughly a day or so before that, I followed the steps per the app, listing my card information. However, after the money showed up in my " Wallet '' I was unable to transfer to my card. I called my cardholder they had no idea what could be the problem, but suggested I do it as a bank transfer. So I added the bank routing information and the account number and was told I would see two transfers on XX/XX/XXXX. On XX/XX/XXXX two pending items showed for XXXX amounts, I tried entering those amounts but the system wouldn't take them. I tried requesting help, ultimately I called. Finally, on XX/XX/XXXX a XXXX and a XXXX transfer occurred I went back into the system and verified my bank account. I received an email XX/XX/XXXX, that confirmed my bank verification. I again attempted to transfer my funds only to then receive a request dated that day for a Photo ID, along with a statement the account was frozen. I followed the email instructions on the very next day, Monday XX/XX/XXXX, I then called to make sure allowing for time to confirm, that the did in fact receive it, as they use a link service to have you send it. I was told nope, I would need to resend. So I again resent my id, only this time I screenshot the link page verifying they received the communication. Now mind you I was told my case was being expedited previously. I called back on the XXXX, and was told to give it 6-7 days for the " account specialist '' to review. I received a request for Customer Service Surveys, which I filled out honestly, a statement of activity for a timeframe prior to my account existing, I logged in a few times to see if it was resolved to no avail. On XX/XX/XXXX I once again called to be told to " give it one more day '', I asked several questions as to exactly what happens if nothing happens, which basically is what Venmo 's Customer Service is a glorified can't do much dept. And then bang at XXXX on the XXXX ( XXXX minutes after you can no longer call ) I received and email stating my account has been permanently terminated for reasons only they know, because I somehow violated the user agreement, thank you XXXX XXXX No here is how to request your funds, here is what to do NOTHING! I only found this by locating a TV station that had tried to help others in my situation. I have all my emails and screenshots, I live on social security as I am a XXXX old, retired XXXX ( I have XXXX as well as XXXX, and other health complications ) person living on minimal income the funds in question represent 10 % of my monthly income, I would appreciate help in resolving this matter... I can be reached at XXXX. Thanking you in advance | ||||||
| 03/02/2016 | Yes |
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Web | |
| Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks. | ||||||
| 08/12/2023 | Yes |
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| On the XXXX of XXXX, I request a transfer of funds to PayPal from one of my PayPal accounts to another one, submitting all the necessary documents required. These documents specifically were : A proof of my address in the form of a bank statement, my work permit as a way to confirm my identity and finally my passport. Per the information provided by the customer service, this process at most would take five days to be completed. On XX/XX/XXXX, I called to costumer service check up on the process of this transfer as a significant amount of time had already passed. After being told the documents provided were " not enough '', even though they were submitted and met all the requeriments given to me by the PayPal employee, I once again submitted the documents. I was told in the next couple of days I'd have an answer to this issue. On XX/XX/XXXX, I communicated once again with costumer service and once again I was told they rejected my documents, stating they were " not in the right format '' even though the format I sent them in was the one instructed by me the customer service representative ( PDF ). Once more I uploaded the documents per their instructions ( now as Pictures ). They were checked by the representative and assured the documents met the requirements and would just be a matter of a couple of days until the transfer was approved. On XX/XX/XXXX, I called customer service to know what was the status of the process. Important to note at no point did PayPal communicated with me they were having issues with my documents. Had I not constantly called, this piece of information would have never been shared with me. Speaking with several customer service representatives I was once again told my documents didn't meet their seemingly ever changing requirements and thus my request had been rejected. At this point I uploaded my documents for the 4th time, got assured by the customer representative my request was given an " urgent '' state and thus should progress swiftly and I should have an answer by the next 24 hours. On XX/XX/XXXX, I was told by the customer service representative that since I uploaded the documents once again I now had to wait the original five days for them to review my documentation, completely contradicting what I was told just the day before. I own both accounts and I need to do the transfer of funds, yet time and time again PayPal and its representatives have put obstacles after obstacles through this process, with no clear requirements for the documentation required, with no apparent guidelines for their representatives as to how this process work and no communication whatsoever on their end with me every time they have rejected and put a stop to my process. | ||||||
| 08/27/2020 | Yes |
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Web | |
| PayPal issued a credit for a dispute to PayPal credit and now reversed the decision and debited my PayPal balance. Credit/Debit to different accounts. In XXXX I disputed a charge of {$510.00} for a return from XXXX as I never received a refund for my return. On XX/XX/XXXX PayPal notified me that the dispute was ruled in my favor and a credit would be issued. On XX/XX/XXXX I was notified by email that PayPal was now reversing their decision and siding with the merchant. PayPal has still refused to speak with me about why this decision was reversed and will only say the decision is final. That same email notified me a debit would occur for the money back. On XXXX when I attempted to contact them again to ask about the decision I instead inadvertently contacted XXXX XXXX who now owns PayPal Credit. I was fully unaware these two institutions to not speak to each other AT ALL despite PayPal sharing a name across both. On XXXX XXXX opened a dispute for the same charge to do their own investigation. This same day XXXX also issued a credit for the {$510.00} also to my PayPal Credit account balance. On XX/XX/XXXX I was notified by email that the debit for {$510.00} had processed along with a demand for immediate payment. I checked my account to see they debited my PayPal balance rather than debiting PayPal Credit/XXXX where the original credit had gone. I have tried endlessly to contact PayPal via phone but they do not have phone support at this time, only messaging online that takes 4-6 hours between responses. These responses have been 100 % canned and useless. That last one I was told to contact PayPal Collections to resolve this issue. My issue here is I had two 0 % for 6 month purchases on my PayPal credit. When both XXXX and PayPal issued credits it caused these two other purchases to be paid off. Now they debiting me back the {$510.00} from my PayPal balance which was and always has been at {$0.00}. I've contacted XXXX for clarification and any help, they advised me to simply contact PayPal and tell them to instead debit my PayPal Credit/Synchrony account and it would be resolved on both ends. PayPal refused to debit the same account they credited. I contacted their collections team as advised by their messaging service and was told the demand is for immediate payment. I explained this entire thing and said they can not credit and debit two different accounts and then demand full payment. I said I am happy and willing to pay the {$510.00} back but it needs to be at 0 % for 6 months as that is what it was on my XXXX account where they sent the original credit. They refused this offer and said it's all or nothing and if I do not pay in full they'll send this to a collections agency. | ||||||
| 11/29/2018 | Yes |
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Web | |
| On XX/XX/2018 at approximately XXXX XXXX I requested a transfer of {$500.00} from my PayPal account to my local financial institution, checking account. At XXXX XXXX I received an E-mail from XXXX stating that for up to 72 ( hours, days, weeks?? ) a hold had been placed on my transaction for review and IF it passed their review it would be released and the regular withdrawal timeframe ( 1 business day ) would then take effect. On XX/XX/2018 at XXXX XXXX I placed a phone call to PayPal. I talked with a male customer representative ( unknown name ) requesting as to why the hold was placed on this transaction when my checking account has already been verified by PayPal. He did not have an answer to my inquiry. He did state this was a normal PayPal practice. He stated that once a hold was placed on a transaction they could not override it. He also ensured me that once the review/72 hour (?? ) hold was over the money would be transferred and available for me to access. I stated that the E-mail said otherwise and he assured me again that the money would be available when the 72 hour hold was completed. Today, XX/XX/2018 at XXXX XXXX I make phone contact with PayPal and talked with customer representative, XXXX. He stated that the hold was still in effect and it could now be 3-5 business days before the money might be released to my checking account. I informed him that 72 hours was completed and the money should already be in my account as the other representative assured me it would be. XXXX stated that it could possibly be Monday, XX/XX/2018 before the money could possibly be released to my account. XXXX stated that it was my financial institution 's practice to review the transaction and then notify PayPal to release the funds to my account. This did not sound correct to me. I requested to speak to XXXX 's supervisor as he was not attempting to resolve my issue and was just piling on a load of manure. I have worked in the most extreme area of customer service ( in a prison ) and truth is all that it takes, not a pile of manure. He refused to transfer me to a supervisor. I ended the call as the pile of manure was being spewed to thickly. I contacted my financial institution and inquired if they had to review the transaction before it was released into my account and they assured me no that was PayPal 's responsibility to release the funds not theirs. I am not asking for thousands upon thousands of dollars to be transferred. I just want my XXXX XXXX dollars so I can buy some XXXX gifts for my family and get my husband 's truck repaired. I am very frustrated with the run around I am getting with PayPal and hope that others do not have to go through such a hassle just to get their money. | ||||||
| 07/18/2023 | Yes |
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Web | |
| XXXX XXXX there was a transaction off my PayPal balance XXXX I was having part of each weeks paycheck deposit into PayPal due to my wife and XXXX kids being in XXXX in XXXX XXXX with her mother and sister for the summer. She and my kids were living at her moms apartment in XXXX. So when I had a transaction for XXXX XXXX XXXX post to my PayPal account for {$480.00} I asked my wife if it was her and what for. She didnt respond the first day due to her losing her cell phone at XXXX XXXX and later in the day activating service on a phone her mom gave her so she could try locating her device. Sometime between her losing her phone and getting a replacement her phone was used to do this transaction. So I began disputes with PayPal. We found out XXXX is actually a company that my wife hd an app on her missing phone that she had signed up for a credit builder card but rhe app apparently also did hotels which she found out when she contacted their customer service to report the issue and fraud after PayPal initially declined support for the issue. My wife has screenshots with time stamps and date of conversation with XXXX which is the name of the app. They directly told her they could not do anything about the fraud that occurred and to contact PayPal to have them do a fraud chargeback. So I had to redo tact by phone to get a new dispute open due to them denying fraud on the original dispute that was also mislabeled by their system. The new dispute got to a couple days before it would auto close in my favor and the XXXX or XXXX or whatever new name they go by reaponded. The customer service department for XXXX emailed my wife and then the PayPal dispute was closed again in their favor. I reopened a3rd dispute and its again been denied as fraud but the other company just keeps telling my wife they are investigating. This was MY PAYPAL not my wifes and even with us doing everything down to even providing messages between each side PayPal still closed the dispute for not fraud. This was $ for rent and bills. It was meant to help us get into a new house so my wife and kids could come back to XXXX XXXX and not keep living in hotels. PayPal will not provide information on how theyve decided it wasnt fraud, they wont refund our money and neither will the other company but we did find on my wifes credit report that the credit builder account she had is reporting as an open line of credit for {$5000.00} but she only ever put {$20.00} on it once and never got the physical card which she had even messaged them about before. The newest dispute was closed as of today XX/XX/17 as far as my messages show. They were investigating and then never contacted or asked for anything just decided it wasnt fraud. | ||||||
| 06/04/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022 I tried transferring money from my PayPal account to my personal checking account. I did not want to pay the {$1.00} fee to have my money transferred to my bank account immediately so I chose the option have it transferred in XXXX - XXXX business days. That option kept giving me errors saying my bank account could not be linked, and then it told me the account was already linked so it couldn't be linked again. However every time I clicked on the Transfer it would not provide me with either my bank account or bank card on file to transfer to. My bank does support PayPal so that's not the issue. Then I tried clicking on the option to have a check sent to me and every time it just re-routed me to the transfer funds to my account. I tried submitting a ticket via their Resolution Center and I received an error message saying my request could not be processed and to try again. I would try again and would receive the same error message. Every time I tried calling I received an automated message that said no one was able to take my call and it forced me to text with someone. So I started a message with their support team, who was not helpful at all. They only provided me with screenshots from their Help Center showing me how to navigate their system, told me the issue was because I had to update my telephone number on file, and then they told me the issue was because I did not verify my tax information followed with because my account has less than {$10000.00} they even said that should not have impacted me transferring money to my checking account. Their online support did not listen to me and they did not help me at all. Something in my gut said to try selecting the {$1.00} transfer option, as I had a bad feeling by this point, spending several days trying to get my money transferred the FREE way, that this option would immediately work. And it did. As soon as I clicked that option to be charged to transfer my money to my checking account my money was transferred. I never updated my telephone number on file and I never verified my tax information, so that just proves there's something wrong with their system that they refused to acknowledge and help me with and they ended up illegally charging me {$1.00} in fees to have my money transferred because the free option gave me error messages for days. I want my money sent to me via check from PayPal that they illegally took from me. I want nothing else to do with their company as this is not how a company like theirs should operate and I hope they are help accountable for these unethical business practices. I have provided screenshots of all messages I had with their employees and screenshots of every issue I reported in my complaint. | ||||||
| 05/22/2023 | Yes |
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Web | Servicemember |
| ( Ref ID - XXXX ) Paypal you are XXXX wrong I don't care what you have to do to get ethical employees and quality Assurance that is fair & respectful of customers but you better find a solution to this XXXX backoffice that exploits XXXX and private class citizens from accessing their money cause I'm not having it or waiting another day for you to release my funds. You have all these rules and restrictions but the audacity to claim we can use your financial services securely. Today was hit milestone limit of your malicious and scrupulous ways. If you are going to advocate and market your services to consumers than let utilize them without prejudice. I was on the phone all day begging for support escalate the release of my account because a merchant owed me money & when the company actually agreed to pay me back you had the nerve to limit my account that was already restored 6days ago but you can't explain what actually went wrong~Nothing! You just keep sucking the life out of XXXX and other ethnicities that are solid and grounded in financial stability. I'm XXXX & instilled trust to deposit my money into your company with hopes that you would respect my interest. But your so called Back Office proliferates hatred and hostility towards consumers with racism and bias. I am XXXX and you knew I called today to settle my account so I could conduct my medical billing for the week but you ignored my every regard to establish reciprocity. Foolish heathens how dare you try to make me wait 180 days to retrieve my money. You haven't given me anything but grief and XXXX and the fact you solicit your services with segregation is beyond fathom. At least ask or notify a customers if you have concerns. Don't go pulling tricks and snaking customers behind their backs to take money that doesn't even belong to you. Keep it and practice common sense and professional values. You don't give anybody a PayPal XXXX to follow when they sign up but stay having the excuse to Limit their accounts just for utilizing the app features you say we can use. If I wana transfer money into my bank account or pay a bill that my prerogative It doesn't cost you anything~So why the heck do you train agent 's to tells us lies that it's in Paypal 's interest to protect us from risk when you are actually the ones practicing Shady compliance. Please release my money by tomorrow morning before I call a XXXX XXXX reporter to investigate your Compliance fraud. If you continue to violate consumer privacy & practice unjustifiable bias you will lose business from XXXX XXXX citizens. Please get a Public Relations Advisory to monitor the negation of your Back Office team cause they are running XXXX XXXX business like a XXXX plantation. | ||||||
| 11/04/2016 | Yes |
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Web | |
| I am writing this letter in regards to a money transfer problem I am having with PayPal. On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. Any advice, information, or assistance will be greatly appreciated! | ||||||
| 09/13/2018 | Yes |
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| On XX/XX/XXXX18 I contracted with XXXX XXXX to do a home improvement job to begin on Monday, XX/XX/XXXX18 ; moreover, in order for the job to begin on Monday, 1/3 of the payment ( {$6400.00} ) was due XX/XX/XXXX18. Since I was not in the same city as the contractor I chose to use PayPal to send the money to the contractor. PayPal immediately withdrew the money from my Visa card and I immediately received a notice " payment sent '' from PayPal. I thought everything was all set until when I called the contractor on Monday morning to remind him not to put the dumpster in front of the house ; I was then told that the money never arrived from PayPal. I contacted PayPal and inquired what was going on. I had used PayPal on numerous occasions and the money has always been available within 5 minutes. XXXX, the first rep stated that the money was there and the construction company needed to receive it. He also told me to click the " services received button '' and that would speed up the process for XXXX XXXX to receive the money, so I did. Since I've never received any money from PayPal, I've only sent money, so I am not familiar with what " receive it '' meant and neither was XXXX ( XXXX XXXX ). XXXX ( XXXX XXXX ) and I conferenced called PayPal multiple times for help with receiving the monies to no avail. I called everyday and on Thursday I totally lost my patience with PayPal Supervisor XXXX ( Employee # XXXX ) because PayPal has my money and will not release it to the company nor will they refund it to me. I am paying interest on my Visa card while they hold my money hostage in their black hole. PayPal now instructed me to file a dispute against XXXX XXXX. Now I am totally confused because I don't have a dispute with the construction company I have a dispute with PayPal for NOT Sending moreover, Keeping my {$6400.00}. The rep assured me that this is how I would get my money back ; so I did the dispute. THEN I was told that they would hold on to the money until XX/XX/XXXX18 while they investigate. What is there to investigate? PayPal has the money, PayPal won't send it to whom I requested it be sent to and when I requested that PayPal refund my money immediately they have to investigate? This company is clearly out of integrity. I want my money back is all. They didn't provide any disclosures that state this madness ( any holding time before dispensing funds ) They have a bunch of reps that say anything to get you off the phone, additionally each call created a bigger mess that it was before. I need help. I want my money back and I do not want to pay XXXX cent in interest because of what PayPal has done. XXXX - Employee # XXXX was the supervisor that I had my last discussion with. | ||||||
| 02/18/2020 | Yes |
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Web | Servicemember |
| On or about XX/XX/2020 I received a notification, i believed was from PayPal that I was charged for a computer security subscription for {$380.00} that has since been removed from the account. There was a contact number on the charge to call and when I reached a representative named XXXX XXXX who represented himself as the PayPal fraud center he began scamming me to remove the charge. He directed me to use a computer sharing application called XXXX XXXX so he could assist me in resolving the charge. Unfortunately I agreed and the scam began. As you can see from the transaction in my PayPal transcript several debits and credits from various individuals were placed in the account and to clear the accounts they need me to provide a payment of {$950.00} to clear the account. I agreed to provide payments though PayPal, However, he said that because there was potential fraud the money had to be sent by other means so Venmo was the vehicle they asked me to use. The process was extremely confusing and believing I was working with PayPal I agreed and sent {$950.00} to XXXX and immediately knew I made a grave mistake. I looked at the account XXXX had provided to credits from a XXXX XXXX of {$890.00} and {$390.00} ( the initial charge from the security service ) totaling {$1200.00}. I then transferred the {$1200.00} to my bank account to cover my {$950.00} payment to XXXX on Venmo. XXXX said that the transfer was to cover the {$950.00} and to send him the balance to clear the issue. When I finally realized this was a scam I disconnected the engagement and refused any further conversations. When he/they realized that I had the money and was not going to send them any money there we two days frantic emails and texts trying to get me to respond. I then received a PayPal notice that there was a negative balance of {$1200.00} that had to be paid back because the XXXX XXXX payments were cancelled. I wanted to clear this issue and called the PayPal number on the site and got a rep named XXXX XXXX XXXX and he wanted to again use XXXX XXXX to get into my computer and look at my account. I asked him why he could not see my account if he was PayPal? He said it was frozen and I needed to show him the charges. I told him I would only pay the balance if I could pay directly into my PayPal account but he told me he can not open the account and that I could go get PayPal gift cards and then provide him the card info and pay it that way!!! Alarms immediately went off and I stopped all communications again. I have been scammed and feel very embarrassed that I allowed myself to be scammed. I hope you can help me with this issue and also stop them from doing this to someone else. Regards XXXX XXXX | ||||||
| 08/27/2015 | Yes |
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| Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. Thank you so much for any help. NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers. | ||||||
| 08/01/2021 | Yes |
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Web | Servicemember |
| I operate an account for a nonprofit that helps fight veteran XXXX and suicide on PayPal. On XX/XX/2021 we received a donation from an individual who had conducted a legal raffle of a custom-made duck call. He conducted this raffle on his own, he's unaffiliated with our organization, and he did not use PayPal to conduct the raffle. He simply donated the proceeds to our organization to help in the fight against veteran XXXX and XXXX and to signify who the donation was received from he put " duck call raffle '' in the comments on the donation. Out of the blue on XX/XX/2021 we received a notification that we were no longer allowed to use PayPal services because a " review '' had determined we had " violated the user agreement. '' It further stated that we were not allowed to access our funds, remove our funds, or transfer our funds until they decided to contact us in 180 days. I was confused and disheartened as we had not done anything to warrant this, and now our team was stuck without all the money we worked hard to raise for our cause for the next 180 days without anyone even offering us an explanation. I quickly learned that the system had flagged the word " raffle '' in the comments on that individual 's donation and that's what led to the ban. I figured this would be easy to explain and remedie, but boy was I wrong. I tried calling several times, yet no matter what time of day it was or what day it was I received " no agents available, call back during business hours '' messages. I tried virtual communication through their chat service and got nothing but " no agents available, try back during business hours '' messages. I tried sending emails, and got no reply. Finally I tried contacting customer service through my personal account and quickly reached someone. I went through dozens of representatives who gave me the gamut of directing me to the FAQ page to telling me that I had to contact them using the affected account. One agent even called me and allowed me to explain, said that she understood, and that my account would be unlocked in 48-72 hours. Yet, a week later, still locked. I have tried and tried and tried but PayPal refuses to give any avenues for remediation of the supposed violation of their user agreement, they've illegally seized all of the money our organization had raised, and expect us to operate without it for 180 days. Furthermore, their very own message says that we can refund the transactions, yet if you try it says that it can't be done. They've effectively just stolen our money. After a short investigation, I've found dozens of other people who have been victimized by this company in the same fashion. PLEASE don't let them get away with this! | ||||||
| 05/17/2021 | Yes |
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| XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. XXXX. The order was cancelled by the vendor on XX/XX/XXXX. XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... I am filing this complaint. Documentation of all of the above is attached. | ||||||
| 03/24/2020 | Yes |
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| ( XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, FTC XXXX, FTC XXXX ) COMPLAINTANT has used Venmo service without problem in the past with two different bank accounts. Around XXXX, COMPLAINTANT has voluntarily terminated his account. In/About XXXX and on XXXX, Venmo staffs indicated that bank statements were needed to reactivate those bank accounts under his accounts. However, for new accounts, bank statements were not necessary to verify account ownership. COMPLAINTANT has traveled or visited various places with wi-fi hotspots where he is certain that other parties were using Venmo at the time as well as exchanging payments. On XXXX, Venmo has suddenly froze/locked COMPLAINTANTs account to require a photo ID upload. Upon upload ( XXXX ), Venmo went further to require bank statements on all his bank accounts ( XXXX ) related to the Venmo account, contradicting their earlier statements on XXXX that bank statements are only needed when re-activating or migrating from previous accounts to newer accounts. When COMPLAINTANT has questioned whether there was valid reason to place a restriction, Venmo has suspended/revoked his account. On XXXX, Venmo has sent a final Venmo statement that lists all transactions. Interestingly, Venmo has sent an updated statement on XXXX upon being confronted by COMPLAINTANT for sending incomplete information. ( Not to mention that Venmo needed COMPLAINTANTs help for navigating around its own system ). COMPLAINTANT is baffled that PayPal is overlooking whatever security flaw that Venmo to have allowed COMPLAINTANT on its platform as Venmo employees kept recommending PayPal to COMPLAINTANT for transfers instead. On XXXX, COMPLAINTANT has verified with the Venmo representative that the account was to be operational after adding debit card information. To add to the mystery, on XXXX, a phone number that was never used with Venmo was rejected as invalid number upon enrollment. On XXXX, XXXX with Venmo has claims that COMPLAINTANT is too much of a high risk to be allowed on Venmo platform. Citing that previous use of his bank accounts on the platform was problematic, not to mention that ( 1 ) previous account/s were closed voluntarily without issue and ( 2 ) XXXX call indicates that no problem was found by Venmo representatives on COMPLAINTANT 's account as well as insisting that addition of debit card would fix any remaining issue. Venmo staffs are seen disguising their request for bank statements with the use of taking on unnecessary role of enhancing banking security. COMPLAINTANT recalls no action taken on his part to cause this problem, but that Venmo has unilaterally started this unfounded act and later on accuse COMPLAINTANT for being unreasonable. | ||||||
| 11/27/2017 | Yes |
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Web | Older American |
| XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me. | ||||||
| 09/22/2020 | Yes |
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| I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open. I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided. | ||||||
| 03/18/2016 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above. | ||||||
| 12/16/2021 | Yes |
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| I am a health and wellness coach. On XX/XX/2021, I gave a seminar to some potential clients and for those that wanted my services, I used Paypal for payments. Paypal accepted all the transactions and took their transaction fee, however one specifically was a large amount of money, {$27000.00} from a client. Paypal requested some additional documentation which I provided to the best of my ability. I contacted them and they said they would send the issue to their back office. Two days later I received this email. You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason11 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. We regret any inconvenience this may cause. So I looked up violation number 11, which stated : 11 - Online Dating : Any dating services that enable individuals to find and introduce themselves to new people with the goal of developing a personal or romantic relationship. I called a supervisor, XXXX on XX/XX/2021, at XXXX am, who told me that once a decision is made, there is nothing that anyone can do. I told her that I am not doing online dating and she said there was probably an error but no one can do anything about it and I had to wait 180 days or XXXX a year and maybe I might receive my money. The total amount in question is {$37000.00}. It will be nearly impossible for me to run a business without those funds. | ||||||
| 02/04/2018 | Yes |
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Web | |
| On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX 2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank. | ||||||
| 08/30/2021 | Yes |
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Web | Older American, Servicemember |
| I am receiving what I believe are illegal emails from someone trying to steal money from me. I received an email on XX/XX/2021 ( attached ) stating I authorized a charge of {$690.00} to " XXXX '' for the purchase of a cell phone. I did not authorize any such payment ; I don't have a credit card or loan thru PayPal ; this was the first I heard of this. Believing it was from PayPal, and without thinking, I foolishly called the phone number in the email to dispute the transaction. The individual I spoke to ( male, middle-eastern accent, couldn't understand his name ) said he would have to report this to his fraud department, and then put me on " hold. '' The same individual came back on and said they would investigate the matter, however, I'm still going to be responsible for the payment. I asked him for details on what this was about, and he said I took out a PayPal credit card ( or loan? ) for this purchase -- making me responsible for payment. I told him I don't have a PayPal account, and I do not have any credit card or loan with them. He asked if I've had any problems with any other sites or banking institutions, and if so, who are they. I told him I had my debit card compromised by someone in California trying to purchase a game app. However, I contacted my bank, they cancelled that debit card and issued me a new one ; no money left my account. Then this fake individual passed this info to someone he was working with. He said he would need to confirm who I really say I am, and he proceeded by asking my name, SSN, email and phone number -- and I confirmed his info. That's when I suddenly realized this is not PayPal, the info in the " from '' line of the email should have alerted me -- but I was too surprised to figure it out. I immediately hung up the phone. However, I'm worried because he has this info. I immediately closed out my PayPal account and forwarded the email to PayPal fraud department. I also called PayPal, and they confirmed the emails are phishing ; there is no credit card or loan with them in my name. Then on XX/XX/XXXX, I received another email ( attached ) telling me the charge has been processed. I did not respond to that email, but I forwarded it ( again ) to PayPal. I feel better that PayPal has confirmed the emails are false ; to disregard them. But I feel what these people in these emails are doing is illegal and someone needs to be aware this is suddenly happening to me. I am XXXX years old, worked for 40 years and don't want someone thinking they can mess with my hard-earned money. I'm still kicking myself for not realizing they were phishing emails. I retired from XXXX XXXX and we get trained on this stuff! How could I not recognize it?! | ||||||
| 06/04/2020 | Yes |
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| PayPal has received refunds from XXXX for the returns I have made, and refuses to send the refunds to my XXXX XXXX XXXX XXXX MasterCard which I used to pay for my purchases from XXXX through PayPal. Instead, PayPal has put the three refunds for the total amount of {$210.00} into their bogus " Balance '' account and is trying to force me to take one of their debit cards with that amount on it as my only option to access my refunds. It is my money, but PayPal is sitting on it and is dictating how I should use those refunds. PayPal offers no option to request a transfer of that bogus " Balance '' back to my credit card which they should have done in the first place according to their own stated policy. Today I wasted over 4 hours online on their Chat board trying to fix this issue, but they kept changing their agents every few minutes and kept giving bogus arguments as to why the refunds belong to PayPal and not me -- they repeatedly said the funds used to pay for the purchases came from the Balance account and not my credit card, which is totally false. Even if they came from " Balance '' account, what was the source of the funds in the " Balance '' in the first place if not from my previous transactions with my credit cards? This is the question they refused to answer every time and the agents kept disappearing instead of answering this simple question. I have used this new credit card 13 times over the last two months to make purchase from XXXX through PayPal, and XXXX has processed 24 transactions for these purchases ( XXXX breaks purchases into separate shipments and charges my card for individual shipments on their own ) and the total of their charges on my card is {$2400.00} which exactly matches the total sum of my orders, indicating that every single XXXX for these purchases came from my credit card -- not a single XXXX came from PayPal 's bogus " Balance '' account. This is just a big new scam by PayPal. It is worth mentioning that I have no other financial relationship with PayPal -- I have no PayPal debit or credit cards, nor had I had any in the past. Every single transaction I have had with PayPal since PayPal was created has been through my own credit cards and bank accounts. Moreover, I have had many refunds from XXXX through PayPal in recent times, but now PayPal has started to play games with my refunds. I would attach four photos I have taken of the PayPal webpage to document the refund transactions in dispute. The attached photos indicate the date, amount and the transaction IDs for the refunds and what PayPal did with those refunds. PayPal should have no problem in identifying my account and spotting these transactions. Thank you so much. | ||||||
| 08/22/2020 | Yes |
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| In XXXX I purchased an item from a third party in XXXX XXXX XXXX XXXX XXXX -using Paypal as the method of payment. The product was 2 folding chairs for {$39.00} shipping included : " Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY '' I used Paypal principally because of their promise : https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? gclid=Cj0KCQjwhIP6BRCMARIsALu9Lflux312aVeeEiH1HrvqZzWfMit5UMl10qlz2O9ac-Q7MryMFJDrNtAaAlhOEALw_wcB & gclsrc=aw.ds " 1. You were charged for something you didn't purchase. 2. Your order never arrives. 3. Your order arrives, but it's significantly different than it was described. " I never received the product so I filed a dispute with Paypal ( # 2 ) on XX/XX/XXXX for a return of my money. Paypal responded via email that they would have a decision within a few weeks. On XXXX.20 I received a small little packet with two blue carry bags - that's it. The packet didn't say where or who it was from so I had no idea what i was only that I did not order it. Lo and behold - on XXXX.20 Paypal wrote to me saying my dispute was " case closed '' as I had now received shipment. It appears the mystery bag I received is from the same company in XXXX. With Paypal there was and is no other option to reopen the dispute on the grounds that I did not receive the product ( # 3 ) in question. They do not answer the phones, they do not have an email - only text and the text is a robot that basically tells you what you already know about your account. It appears that Paypal is deliberately set up to avoid any phone calls so that they do not have to honor their promise and if they do not honor their promises, this is not only misleading but are complicit in fraud with these international companies. Furthermore, a quick XXXX search will show that this has happened to other persons as well : https : //www.paypal-community.com/t5/Protection-des-Achats/Is-XXXXXXXX-scam/td-p/2022702 and https : //www.paypal-community.com/t5/Disputes-and-Limitations/Scam-Really-cant-back-money/td-p/1938161 and finally .http : //www.corporate-office-headquarters.com/paypal. There are plenty others as well. Logically one can infer that if this is an ongoing issue with these fraudulent companies and Paypal is not honoring their promise - they too are complicit and abetting these fraudulent companies. A such I would like the CFPB to look into these misleading and fraudulent practices of Paypal. Attached are photos of the product I received instead of my canopy chairs. | ||||||
| 05/16/2023 | Yes |
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Web | Older American |
| Ive had a PayPal account for over 25 years. On XX/XX/2023, my friend sent me {$1100.00} to my PayPal account to pay for travel expenses. After the money arrived in my PayPal account, I tried to transfer it to my bank account. On my end PayPal said everything is good. I got confirmation email, etc. On XX/XX/XXXX, XXXX days after the money hit my bank account, PayPal took XXXX cents out of my bank account to verify my bank account. No problem. I thought it was strange they did this because they take money out of my bank account when I pay people using PayPal. Then they deposited the {$1100.00} into my bank account, took the money back telling me my bank account wasnt valid. This is impossible! They verified my account on XX/XX/XXXX, taking XXXX cents out of my bank account and then told me my bank account had been disabled. PayPal disabled my bank account so they could keep my money in their interest-bearing account longer. On XX/XX/2023, I called PayPal. Calling them is extremely hard from another country. They are only open Monday Friday XXXX. I am in XXXX traveling. Finally, I talked to a supervisor. She told me that my bank account had been disabled by PayPal and that she was able to reinstate my bank account. She could not give me a reason for my account to be frozen. I tried again to transfer my money out of PayPal into my bank account. The E-mail said everything was a go, and once again PayPal disabled my account, keeping the money at PayPal. They had my money for over a month! I want my interest! Now, I must pay someone from the PayPal account, and I was able to transfer money to someone else. But I have {$30.00} in the account that XXXX cant move. How much money is PayPal making by lying about disabled accounts? This is a total scam. PayPal needs to be under investigation. When trying to transfer money they only give you choices that benefit PayPal. Like using their credit cards or your PayPal account. Their app and web site make it hard to understand which button to click to transfer money out. Im a computer person and there is no way for someone who is older and cant understand computers to know which button to click where. They dont give you options to use your PayPal balance, instead they want you to use their PayPal credit card, so they make money on the interest. Which they are promoting like crazy. THIS IS A SCAM! Test this out yourself. They dont give you options to transfer money out, but rather use their credit card. You can not talk to a live person unless youre in their time zone and then you get a foreign person who has no authority to do anything. Id like to sue PayPal for the grief theyve caused me while visiting another country. | ||||||
| 05/08/2020 | Yes |
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| Due to the COVID-19 epidemic, all eligible tax-payers have been sent Economic Impact Payments. I was able to enter my information on the IRS.gov site and IRS updated the " Get My Payment '' portal on XX/XX/XXXX stating the following, " We scheduled your payment to be deposited on XX/XX/XXXX to the bank account below. '' The bank account I submitted to IRS is attached to my PayPal account and as of XX/XX/XXXX XXXX PST I still have not received the funds. I contacted PayPal multiple times to check the status and their customer service support has been anything but helpful. Here are a few of the responses they have given me : " XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank you for the information, it typically takes 3-5 business days for the deposits to be processed by the IRS. However, I don't see any deposits in your account. I would suggest you to wait end of the day, If the funds doesn't reflect, I would suggest you to check with the IRS. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation and understand youre concern with regard to direct deposit. I appreciate you bringing this to our attention, so that we can deal with this immediately. It usually takes 3-5 business days for the payment to reflect on your PayPal account when IRS disbursed the funds. It's still 4th business day today. I would request you to wait until tomorrow end of the day and if you still don't see payment on your PayPal account then you can contact us back. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I would like to inform you that the IRS checks takes 5-7 business days to clear and credit it to you. Thank you for understanding in this matter. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX, it was sent to you on XX/XX/XXXX and XX/XX/XXXX is bank holiday, 2nd and 3rd are weekend. From 4th XXXX it is now 4th day today. Please wait it will be credited to you. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Sorry for the inconvenience caused, The deposits are worked in batches. Those batches are worked throughout the day and there's no real rhyme or reason to who ends up in what batch when. As soon as your deposit gets processed to us we deposit it to the account. This process is done throughout the day until the close of banking business XXXX XXXX Pacific Standard Time. '' At no time was I able to speak with a representative on the phone, raise my issue to a supervisor or gain any meaningful update about the status of the payment. I am going to be homeless in a few days and I really have no hope for remedying this situation | ||||||
| 11/12/2020 | Yes |
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| XXXX XXXX I purchased online goods from XXXX. I returned the goods via XXXX XXXX XXXX and XXXX on XX/XX/XXXX. XXXX confirmed they received the returns and completely refunded PayPal XX/XX/XXXX. I did not get the PayPal refund so I disputed the billed amounts with PayPal and my credit card, XXXX 's of Delaware. Months later, I still have not received refunds despite sending PayPal and XXXX 's extensive proof including XXXX ' refund receipts dated XX/XX/XXXX complete with PayPal transaction numbers and original transaction data ( attached here ). However, what has happened is : PayPal repeatedly telling me via text and by phone that XXXX 's has the priority to handle the dispute. XXXX sending me a letter saying that PayPal is to handle the dispute. XXXX sending me a letter telling me they can not proceed with the dispute because the seller had a no return XXXX this is even though XXXX XXXX returns and they have confirmed the return and the refunds to me. The XXXX receipts I forwarded to PayPal and XXXX 's included PayPal refund transaction numbers XXXX and XXXX. PayPal has most recently told me ( supervisor XXXX # XXXX that those transaction numbers- even though it is on a refund receipt refer to the original purchase and not the refund. The supervisor XXXX told me to go back to XXXX who has repeatedly told me they refunded me on XX/XX/XXXX with the exact time as shown on the attached receipts ) If PayPal sees a refund receipt from a seller with only an original purchase transaction number why don't they become alarmed and support their customer/me and follow up with the seller to see where the refund might be/concerned about an error? As you all know, a credit card is ultimately charged for PayPal purchases. One has to wonder how many people do not notice they do not get their refund, or do not have the time and skills to follow-through with untangling this type of issue and horrific and confusing customer service. One has to wonder how many other people are having this happen when they pay for goods through PayPal, believing that their transaction and eventual return and any dispute happens safer and more seamlessly, compared to buying with simply their credit card. This inefficiency brings broad and large consumer hardship I am sure. It feels like complete irresponsibility and theft. While I have lots of proof, to avoid your being overwhelmed, I am including the most meaningful claim and complaint evidence. 1. Copies of the XXXX XXXX refund receipts including the PayPal transaction numbers for the receipts XXXX of many communications from PayPal saying XXXX is XXXX charge of the dispute XXXX. XXXX from XXXX 's saying PayPal is in charge of the dispute. | ||||||
| 02/22/2023 | Yes |
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| Hi my name is XXXX XXXX, Im XXXX and Im from XXXX XXXX. Im sending this email with hopes of getting some assistance as I feel I have been taken advantage of by PayPal. They are requiring me to pay a fee of {$920.00} which I believe is unfair and unethical. They have also expressed that they will send this to collections which will damage my credit that I have worked hard to build and maintain. On XX/XX/2022, a friend of mine was attempting to send me money to purchase something from me and without us agreeing how he would pay me he found my PayPal account and accidentally sent me money via PayPal. When I saw he sent me the money on PayPal I let him know that he used the wrong payment method and we agreed that we would both contact PayPal to reverse the payment and use different means for him to get me the money that dont have such hefty fees. We both made phone calls and I was told by PayPal customer service that it would be handled ( they should have record of this phone call ). They ended up giving my friend a lot of grief and for some reason didnt want to send it back but he let me know he was working on it. XXXX months later he let me know he was able to successfully get his money returned and I didnt think much of it until I got an email from PayPal on the XXXX of XXXX stating that I had been given a fee of {$920.00} and that I needed to pay it asap. I contacted PayPal to find out what the issue was. They told me there is nothing they can do because someone that sent me money made a charge back dispute to get his money back and they are making me pay a fee for that. I was surprised that I could be so heavily punished for other peoples mistakes on their platform and their own customer services lack of effort to fix an issue all because I happen to have an account on their platform ( that I dont even use due to their hefty fees they impose on their users ). I never wanted the money sent to my PayPal in the first place, I never accepted it and definitely never even attempted to transfer to my bank account. Me and the other individual made attempts to reverse it through PayPal, their customer support wouldnt cooperate, and I was unaware the other individual was left with the only option to make a charge back against PayPal to get his money back. I am confused how I am being made responsible to pay fees to PayPal because another user accidentally sent me money when PayPal didnt do their part to reverse the payment. Please work on my behalf to resolve this matter & remove the fee in order to prevent damage to my credit. Thank you for your time and for your assistance. Let me know what other details you need from me. Respectfully, XXXX XXXX. XXXX | ||||||
| 12/11/2019 | Yes |
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| Paypal ( XXXX, XXXX ) checking account services use of holds and or authorizations for inordinate periods of time can harm consumers. E.g. the bank, Paypal, in some cases, will place an authorization for more than 21 calendar days on common types of transactions, unnecessarily withholding funds long after the release by the vendor with whom the funds were initially authorized. On XX/XX/2019, I utilized a Paypal debit card to authorize the opening of a folio at a nationally recognized hotel chain. The authorization was a standard amount of {$50.00} USD. After a week and a half the authorization was still pending and the funds continued to be withheld by Paypal. On or about XX/XX/2019, I contacted the vendor, hotel, directly and they informed me that they had released the hold or authorization two business days prior to my contact. I then contacted Paypal, on or about XXXX XXXX, to inquire as to why the funds continued to be withheld. The customer service representative informed me of their policy to hold funds for a minimum of 21 days from the date of transaction, notwithstanding the vendors action to release the funds, the policy of the bank was to withhold the funds for this inordinate period of time, regardless. I was informed that it was possible to have the period of time shortened and Paypal would only do this if a series of onerous and burdensome actions were undertook by both the account holder and the vendor. First, it was necessary for me to reach out to a specialized customer service representative, in an understaffed department at Paypal, another inordinate wait time, with limited opening hours. This representative would email me detailed, lengthy and impractical set of instructions for early release of 'authorized funds, ' which I was responsible to deliver to the business. As the account holder I would have to deliver these instructions, unsolicited to the vendor, personally, with great effort to convince them of my identity and the legitimacy of my request. I would have to convince the vendor to fax personally identifiable, sensitive and private information to Paypal, which they already had secure access to, including names, account numbers, address etc. Needlessly transferring a tremendous amount of risk, possibly compromising my personal information and exposing me the account holder to identity theft. This information would than have to be verified by Paypal, again, causing further delay. Paypal, and other federally insured financial service institutions, administering basic checking accounts should not be allowed to withhold debited funds, inexplicably, long after the vendor has fully released the hold on the funds, they initiated. | ||||||
| 03/15/2018 | Yes |
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| On XX/XX/XXXX I sold an item on XXXX and on XX/XX/XXXX the payment was sent via Paypal. The item was photographed and sent on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX and signed for at the home. Then on XX/XX/XXXX the buyer said that " Bought this item as a gift. Finally giving it as a gift it was just removed from packaging and the connector beads fall apart separating the pendant from the necklace. '' WHICH WAS A LIE, BUT FORTUNATELY I'd taken a shipment photo and the case was closed by XXXX in my favor! NOW another 45 days have past and I get an email from Paypal ABOUT THE SAME TRANSACTION, but a different lie! This time it's the " pendant '' that is loose and falling off! MY PROBLEM WITH THIS IS THAT Paypal is pushed by XXXX for " ease '' of transactions and the Paypal Seller Protection covered " delivery of item '' and XXXX who offers " buyer protection '' takes care of " not as described '' item which I'd already endured. NOW Paypal is holding funds and requested THE SAME INFORMATION THAT HAS ALREADY BEEN INVESTIGATED BY XXXX! It doesn't matter if they are no longer co-companies or subsidiaries duplicate investigation should allow them to have a common site for transaction evidence so that money isn't held twice whilst some OBVIOUSLY LYING buyer plays games! There is a " duplication of services '' that is in conflict and XXXX and Paypal need to develop a common ground for their transactions to prevent SELLER ABUSE! I'm not sure if the buyer took the necklace apart to steal the gold beads or what. I do know that it was as shown and pictures were submitted to show that fact! In my Auction is was stated that the item was SOLD AS IS and not returnable. This morning I woke up and Paypal has told the buyer that they could sent the item back which is broken and that they can get a refund. The buyer requested all sorts of additional shipping ( insurance and signature ) as well. According to the " seller protection '' agreement that is attached I as the seller was protected so long as the " payment was authorized '' and " the item was sent '' which it was. My item was EXACTLY AS SHOWN AND DESCRIBED AND I SUBMITTED PICTURES TO XXXX PRIOR TO SHIPMENT. This was a final sale and the item is not mine, but this my claim since I listed, photographed and shipped it! I have attached pictures, showed where XXXX decided in my favor and the policies which say that Paypal has erroneously authorized a return. The contract is SOLD AS IS and this double jeopardy is not acceptable. The necklace had 14k beads and they purchaser could have broken the necklace to take them off or done any number of things to cause the breakage which are not the fault of the seller! | ||||||
| 08/23/2021 | Yes |
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| On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I am in violation of PayPal 's Acceptable Use Policy. I sell Instagram Accounts and in XX/XX/2020 I've got another limitation by PayPal, and they asked me to explain my business and where the money are coming from ( Ref ID - XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I am in violation of PayPal 's Acceptable Use Policy or that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I work and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not selling stolen virtual goods. At first, I thought this was a mistake, so I emailed XXXX, requesting a second review, and they redirected me to PayPal 's Executive Escaladation, but they told me it wasn't a mistake and I was really violating PayPal 's Acceptable Use Policy, but they didn't tell me what exacly was against PayPal 's policy or which products or services are in violation with the policy. They told me that they will do regular reviews of the account and they will tell me when I can withdraw the money and how much I can withdraw. My problem is that most of the money in the balance ( up to 75 % ) are coming from transactions that are older than 6 months, so there is no way of chargebacks or refunds. That being said, the reason why I am writing this is because I want to understand what I did wrong and how I was in violation with PayPal 's Acceptable Use Policy. I expect a clear explanation, giving me the number of the transaction that violated PayPal 's Acceptable Use Policy and more importantly, why it did. Besides, I request another review of my account in which PayPal to calculate the damages ( if there's any ) and let me withdraw at least a part of my money, since most of them are coming from transactions older than 6 months. I suffered huge losses for my business and the only reason I've got was " Some of your products or services are violation of PayPal 's Acceptable Use Policy '' and this is not enough for me to block my XXXX $ balance and ruin my business. I understand that under their User Agreement they can hold my money up to 6 months, but I want to understand the reason why they are doing it, especially when they verified my activity back in XXXX and didn't find anything suspect. | ||||||
| 02/26/2023 | Yes |
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| On XX/XX/22, I contracted with XXXX XXXX ( DBA Home Fix Experts ) to build a retaining wall in front of our house. As part of this agreement, I sent, on or about XX/XX/22, a {$3000.00} payment to XXXX XXXX via my Venmo account ( under email address XXXX ). Venmo withdrew the payment from our XXXX checking account and transferred it to XXXX XXXX 's account. Because we had only limited experience with XXXX XXXX, I also elected to use Venmo 's purchase protection feature, which charged a small fee to allegedly protect us from fraud or failure to provide services. Full terms can be found at https : //venmo.com/legal/us-user-agreement/ # venmo-purchase-program. The site specifically says that it applies to sales of both goods and services. Halfway through construction, XXXX XXXX stopped performing work with the wall half finished, and instead provided one excuse after another for the delays. He claimed to have ordered another pallet of stones on our behalf, which never arrived. He repeatedly claimed that a truck would come by to take away the trash in front of our house, which never happened. His employee ( XXXX XXXX ) showed up at our house and stated that XXXX XXXX never paid him. Finally, my husband called the place that provided the first shipment of stones ( XXXX XXXX ) and they said that XXXX XXXX 's credit card didn't work and that they'd been trying to track him down for payment for XXXX weeks. After all that, I contacted Virginia 's Department of Professional and XXXX XXXX, and found out that he was unlicensed and what he was doing was illegal. My husband texted him about all this, and he did admit to me via text that he is not licensed. When I contacted Venmo and attempted to get back our {$3000.00} via the purchase protection plan, Venmo opened an investigation, but closed it multiple times without informing me, gave me the runaround, and at one point even closed my account, preventing me from following up. After admitting that they closed the account in error, Venmo reviewed the available evidence again and concluded that we did not qualify for purchase protection because I was merely suffering from " XXXX 's Remorse ''. Since XXXX XXXX failed to provide the completed retaining wall that I contracted for, I don't believe that " Buyer 's Remorse '' is an accurate reflection of the issue. " Buyer 's Remorse '' describes a condition where the buyer is simply regretful after the full completion of a transaction. In this case, the service provider did not provide a completed service. I am happy to provide additional evidence if needed. We have a full SMS transcript of all my husbands interactions with XXXX XXXX, but the full file is XXXX. | ||||||
| 09/22/2016 | Yes |
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Web | Servicemember |
| On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX | ||||||
| 09/16/2021 | Yes |
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| I opened a Paypal Business Account on XX/XX/XXXX. I have been a customer of Paypals since XXXX -- almost a decade. I have previously had both a personal account as well as a business account and have never had any prior issues. I decided to open a new business account since I have started a new venture and would like to separate the finances from my other account. On XX/XX/XXXX I received an email with the following subject line : We need some information regarding yourPayPalaccount. ( Ref ID XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/XXXX through XX/XX/XXXX I uploaded and provided them the requested documents ( Passport, SS #, etc ) as well as tracking information from the first three purchases on my website. On XX/XX/XXXX I received an email with the subject line : You can no longer do business withPayPal ( Ref ID - XXXX ). Immediately after, on XX/XX/XXXX at XXXX XXXX EST I called Paypal Customer Service and had a 58 minute phone call with them. I asked for the reason why my account was permanently limited. The representative told me that they can not tell me the exact reason, but that the decision is final and can not be resolved. I asked them if this was a misunderstanding and if I had potentially uploaded a file wrong or if they needed any additional information. They said no and said that my information was high risk or possibly fraudulent. I asked for specifics so I could simply fix the issue, but they said no and assured me the decision is final. I asked to be transferred to someone higher up in their department. I was transferred to a man named XXXX who is a department lead and he told me all the same things. He told me that an individual from his team had reviewed the information I had submitted and that I was flagged as a potential risk. I got off the phone with no additional answers or explanations and I am at a loss. I am very frustrated because I have been a customer of Paypals service for literally a decade. I have never once had an issue. I have never made a fraudulent purchase or sale. I have always provided the information they needed from me at the time it was requested, and I have always had the same bank account. There has literally never been an issue. There is {$69.00} stuck in the account and I can not withdraw the funds for 180 days and Im not sure I can after that either. Paypal is keeping me in the dark on this decision and process. I have stopped taking payments through PayPal on my website until this is resolved. Paypal also conveniently took their fees out for themselves before shutting me down. | ||||||
| 03/16/2021 | Yes |
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| My name is XXXX XXXX. I am a PayPal customer with email address XXXX Last year, PayPal frozen my account and withheld my money which I received from the state and ruled that I will have access to my money after 180days due to high risks which I didn't understand about. PayPal is using same techniques to steal customers funds as thousands of people have Complaint about it too. PayPal told me that I would have my money on XX/XX/2021 through emailed last year when I raised a concern appealing to get the limitation removed. I have waited so Long and on XX/XX/2021 I got email from PayPal saying my funds were eligible for withdrawal. But when I want to link my debit card to withdraw it, PayPal says there is issue with my account and I should contact customer service. I have been PayPal contacting customer service to make adjustment for me to link my debit card to withdraw my funds since the previously linked debit cards are not active. But PayPal customer service representatives I have come in contact with are unprofessional and untrained as they always give a copy and paste response which doesn't even partain to the issue I raised. My only issue is that I want to be able to link my debit card so I can withdraw my funds. I want anybody attending to this Complaint to forward this to a specialist in the limitation department to resolve my issue and then to get in touch with CFPB, California Attorney General and XXXX that they have made the adjustment for me to add my debit card, and also I want PayPal to give me a call. I want to also suggest that the management of PayPal should retrain the customer support teams to handle customers Complaints effectively and not the hectic " copy and paste '' response everyone is complaining about which doesn't resolve any issue. Also if PayPal put customers account on limitation and ask the customer to wait for 180 days before having access to funds, PayPal should make sure that after 180 days, all features for the customer to withdraw his/her funds are made available so that the customer will withdraw his/her funds without having to contact the untrained support which doesn't exist. I have sent more than 50 emails and messages to PayPal without any solution and it's very sad other customers are going through the same process. After the 180 days, PayPal should enable all features for exit of funds to the customer. I need my issue resolved and I will never use PayPal again. I will attach the error message which I receive, a screenshot of email from PayPal saying my funds were eligible for withdrawal I need my issue resolved asap without any delay. I don't want a response that doesn't resolve my issue. | ||||||
| 09/27/2019 | Yes |
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| On XX/XX/2019 I accidentally purchased tickets for a show at XXXX via a third party website with no affiliation with the show venue or promoter called XXXX. These tickets were to be willcall at the XXXX box office for the day of the show, and I had paid {$340.00} for the tickets to this third party. This would not have been an issue for me if the tickets were willcall as expected. When I got to the box office at the show, there were no tickets waiting in willcall at the box office. Dismayed I asked the attendant to look again who happened to ask for our email receipt to pull up the tickets. We pulled up the email and showed the attendant the receipt who informed us that they did not have a relationship with that company and to dispute the transaction with the payment issuer. We then had to purchase 4 more tickets for {$110.00} with tax. Fortunately for me I thought, I bought the tickets through PayPal so I could dispute it then and there. So while I was at my evening of XXXX XXXX and XXXX XXXX, I logged into PayPal on my phone through a web browser and disputed the transaction. Paypal 's dispute module does not let you upload supporting documentation after the fact to find out, so the only thing they had to go by was the statement I put in the dispute where I happened to mention the price difference ( which in MA is an illegal markup ). PayPal took until XX/XX/XXXX to review and deny my claim in a matter of 6 minutes with no explanation. When I called PayPal to find out why the representative told me that I was uneligible for the fraud dispute because I mentioned the price disparity and seller claims the tickets were delivered. I offered to provide to PayPal my supporting documentation which included the purchase of replacement tickets, the sworn affadavit from the venue about the fraud, and the original email about willcall tickets. The representative at PayPal refused to let me email or provide the documentation, and only was able to reopen the ticket. As stated before, PayPal doesn't let customers add to tickets when documentation is available after the fact, but I figured this time they may reach out to me for it again. Today at XXXX outside of Paypal 's calling hours I received yet another denial notice about my claim with no additional request for documentation. At this point I think there is no further recourse between PayPal and myself short of small claims court. And I would really like to avoid having to miss work and be out more money to get my money back. Paypal 's fraud protection service did not work as advertised and is not fair to customers who use their service. PayPal transaction # XXXX PayPal claim ID # XXXX | ||||||
| 02/06/2019 | Yes |
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| I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}. | ||||||
| 10/23/2019 | Yes |
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| On XX/XX/2019, I emailed a person who claimed be a XXXX XXXX Season Ticket Holder who wanted to sell four tickets to Game XXXX of the XXXX XXXX XXXX at XXXX XXXX in Washington, DC. I emailed that I was interested in purchasing tickets for me and my wife. The next morning ( XX/XX/2019 ), I received an email from the seller, requesting a phone number to contact me. I provided my phone number and my wife 's phone number to make sure he could contact us. Later on that afternoon, I received a text from the phone number XXXX, wanting to confirm he had the correct number. I replied that he had the right number, and we were interested. I also asked him if all four tickets were available, and he replied that they were. I asked to confirm if the price for all four tickets were {$1600.00} ( he claimed in the ad that the tickets were {$400.00} per ticket ), and he confirmed. I asked him for verification, and he provided screenshots of a XXXX account with what he claimed were his group 's seats. The screenshots appeared legitimate, and I asked him how I could pay for them. He asked if I had a PayPal ; in which I responded that I did. He asked me for a PayPal email address, which I gave him, and then sent me an PayPal email request, but asked me to send payment through the " Friends and Family '' option so he would not be assessed any fees. I obliged, not understanding that I was unprotected making payment this way, and when the PayPal request came, I sent payment through PayPal. I let him know that I sent payment, and he said that he would check his account when he got home ( he claimed he was on the road ). Later, he sent me a screenshot of his PayPal account with a message stating that he would receive payment in 24 hours. He followed up the text by stating that he would send the tickets in the morning once payment was received, and that the tickets were officially off the market. The next day ( XX/XX/2019 ), I did not see the tickets in my email, but figured that maybe he had not received payment yet. He texted me in the middle of the day asking if I was available, but I was not able to get to my phone right away. As soon as I noticed the text, I asked him if everything was okay with his payment, and he responded that he had not received it yet. I called PayPal to find out what was going on, and they told me that he should have already received payment. I texted the seller back, and let him know that PayPal stated he has his payment. He asked to see if the payment arrived, and I never heard back from him afterwards. After a couple of hours, I realized that I was scammed, and looked in my bank account, whereas the money had already been transferred. | ||||||
| 10/11/2016 | Yes |
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| PayPal permanently limited my account with my hard earned money in it and told me they 'll release it after 180 days and kept my credit cards and bank checking information on file. Basically, at first, my account was temporarily limited citing " security reason '' - basically telling me to go kick rocks and starve. Till this day, i do n't understand where the " security reasons '' statement came from because all i did was sell a couple of items on eBay. Apparently PayPal plays this dangerous game with everyone because they 're basically the only way customers and sellers can make and receive payment via eBay. They 've been on a royal power trip for years and this really needs to stop. Now to continue with more background information on my compliant ... They temporarily limited my account and asked me to submit my social security card, my drivers license, my bank statements, credit card statements, invoice of purchase for items that were sold and valid tracking information for all my sales. Even though these demands were pretty steep for an entity that has no governmental affiliations and does n't consider themselves a " bank '', i complied in hopes that everything will be resolved and i 'll get my money back but i was wrong. They instead decided to lock up in their account and keep my money. The same money their probably profiting from right now by locking me from accessing it in their system. Anyway, i sent them the information via the " resolutions '' page and informed them that they 've already confirmed my credit card and bank account through their electronic process which had me log into my bank account and receive security deposits on my credit card. I sent them everything and informed them that one of the transactions they say requires tracking was just a payment from " XXXX '' - a company that pays you for shopping online. I received a response to proceed and that particular part was removed. I had faith the process was just to determine that i 've not trying to defraud customers. I sent them more information via email to " XXXX '' and via the resolutions page. All of sudden, i got an email saying my account has now been permanently limited and they claimed that my sister 's account ( which they also closed for some ridiculous reason ) is related to mine. I simply told them to look at the official documents i sent to them ( drivers license and social security card ) but instead of doing that, they locked my business funds in their nidicolous disaster of a sinkhole and refused to give me my money. Please get them to give me my money and keep their ridiculous site and their incompetent employees. My PayPal email address is XXXXXXXXXXXX | ||||||
| 03/05/2020 | Yes |
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| Good day Sir/Madam, I'm writing this letter with so much anger in my heart, regarding the discontentment with PayPal 's services, regarding my account with the associated Email : XXXX PAYPAL PERMANENT LIMITATION REFERENCE ID : XXXX As a new PayPal user, I never expected to be treated in such unprofessional, lackadaisical, inadmissible and unacceptable way. I created my PayPal account, on the XXXX of XX/XX/2020, and prior to this, I never ever liked PayPal, due to the horrible and horrendous stories perpetuated by most of my entrepreneurial friends. But on the other hand, some of my customers kept demanding I used PayPal on my store, as it's easier for them to pay with it. Sounded like something worth trying. By the way, I make around {$1500.00} to {$2000.00} every day on my store, with the use of other payment processors like XXXX and XXXX. I created my PayPal account on the XXXX of XXXX, and the creation process was seamless, I'll give them a +1 on that. After which, I added the account to my XXXX store, received some payments, and in 24 hours. I was told I'm not allowed to withdraw the money, and my account has been temporary limited, till I submit some documents to lift the limit. I called customer care to complain about this, if I should just refund all my customers, and just know that PayPal doesn't want me, or should I go ahead in fulfilling the orders, with the hopes that PayPal will lift the limit, and I was told that everything will be fine if I provided the required documents. I submitted every single one of the required documents. Every single one of them!! I even went as far as fulfilling 40 of my customers ' orders with XXXX XXXX, so they get it quickly in 7-14 days, as stated on my store XXXX. Only for me to wake up on Monday, and get a very distasteful message saying that PayPal will hold on to my funds for 180 days????? With no solid reason whatsoever?? Right now, it's a good thing that my business is an LLC in the USA, so I have the right of suing PayPal to court. And I'm pretty sure, they'll pay more, for the damages caused and the inconvenience caused. I've gone through PayPal 's User Agreement, 8 times now, carefully, and can't still find where I went wrong. I've sent the link of their user agreement, to my lawyer, to prepare the court case. Right now, I'm writing to you, the Consumer Financial Protection Bureau, stating the subtle and crafty way of PayPal, in scamming small businesses of their hard-earned money, for 180 days, for no solid reason at all! I'm also pleading, that you help me pursue this case, so I'm able to get my money out as quickly as possible. Regards, XXXX. Account ID : XXXX XXXX | ||||||
| 09/13/2022 | Yes |
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| On XX/XX/22 I opened an account with Venmo after making the mistake of believing I needed to use one to use XXXX XXXX After realizing my error I proceeded to leave the account alone entirely. As I had no further use for it. No transactions were made, no withdrawals, and no balance owed ; overdraft, due, or otherwise. I heard nothing from Venmo over the weekend and came to find later their office hours are closed. As this did not really matter in the moment due to my lack of interest in the account I went on my way and continued my weekend. On XX/XX/22 I received an email from them asking about connecting a method to withdraw money or add money in an email, and then an hour after this email I was informed my account was 'frozen due to recent activity that appears to have violated the User Agreement. ' This is false, as I had not even used the application or done anything in it to warrant a violation to begin with. No purchases made. No withdrawals or money requests. No accounts hooked to the Venmo ; banking, credit or debit from any institution No breach of an account I did not own. No duplicate accounts. Nothing. I read through their User Agreement and found myself in no form of violation to their terms at all. My account was also verified by their app which means they approved my Name / DoB / SSN / Address, City, & State as all being valid and toward me. Yet the email told me that with my account frozen I would be able to reactivate it if I sent them a copy of my photo ID unexpired. I do not feel comfortable with this at all. I never used the platform only signed up for it, they are requesting more of my identification despite their app verifying me, and after speaking to their correspondence on the matter I am stuck waiting for 7-10 day turn around for an answer. This is also in pair with the fact that an account can not be closed if it is frozen. A little history and research on Venmo will show this is a common practice of theirs and for some also is a means of their money being held in a 180 day limbo. Fortunately I have nothing invested in them and only want my account closed. The Pandemic also makes it impossible to get properly updated identification without an appointment and appointments are swamped with the higher rising cases. I want nothing to do with Venmo and informed them of such when I reached back out via email. Since I never utilized the account for any purpose, I would like the account unfrozen and closed. If I decide at a later date I want to open a Venmo account then sure, I will do so, but that is not likely considering their customer service and refusal to work with me to resolve such a simple matter. | ||||||
| 12/02/2020 | Yes |
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Web | Servicemember |
| To whom it may concern, My name is XXXX XXXX XXXX. I am in the United States XXXX. Im a XXXX in the XXXX. I have been in for 14 years. I recently was scammed by possibly two persons. One person is from the state of Florida. I was looking for a house rental here in Hawaii and I reached out to a person by the name of XXXX XXXX XXXX. The listing was located at XXXX XXXX XXXX XXXX. XXXX, XXXX Hawaii. The unit was fully furnished, and the rent was {$1600.00} with a security deposit of {$1500.00}. I was told the unit wasnt available for viewing until the XX/XX/XXXX. I was then told to send over the money via PayPal as a downpayment, but I was able to retrieve my money back in the event I was dissatisfied with the listing. I stupidly sent the money over, via PayPal as instructed ( totally {$3100.00} ). I then began wondering a lot more questions and became suspicious. Unfortunately, the money was already sent to the user. The money was sent to the owners/landlords ( XXXX XXXX XXXX, XXXX ), his daughter, XXXX XXXX. I was able to find information on XXXX. She lives at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I found a number on file as well : XXXX. The email associated with XXXX PayPal account is : XXXX. I wasnt able to find any information on the XXXX XXXX person. However, he has been emailing me constantly since I contacted PayPal to try to retrieve my money back. Unfortunately they said they were unable to assist me as when I sent the money using friends and family it voided the Buyer Protection. I contacted my bank XXXX XXXX XXXX to try to refund my money. The investigation is still pending. I have gathered enough information to go to the local police, however, since the information for XXXX XXXX says shes located in Florida, I wanted to also make a complaint/fraud report on her. I believe either XXXX or XXXX may also have a XXXX XX/XX/XXXX account, the information is as followed : Bank Name..XXXX XXXX Account Name..XXXX XXXX, XXXX Account Number..XXXX Routing number ... XXXX Acct type ... CheckingBank Address..XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have all the documentation to prove what I am talking about. Can someone from your department, please send me a confirmation email you received this notice? If you require any supporting documentation, I wont hesitate to send it over. I want this scammer to be stopped. I am currently out of {$3100.00} and have to wait for my next 2 paychecks to save up enough to find a place to rent. This has caused me a great financial hardship. If you need to contact me, my information is in the signature block. v/r XXXX XXXX XXXX XXXX, SC United States XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/25/2021 | Yes |
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| Around XX/XX/2021 I opened a PayPal account to sell XXXX XXXX on another outlet other than only XXXX. On XX/XX/2021 at XXXX XXXX I received an email from Paypal stating that I could no longer use Paypal because I violated the acceptable use policy. I called them on XX/XX/2021 regarding that issue asking for an explanation as to what part of the acceptable use policy I violated. The customer service representative could not give me any explanation, stating how I'm supposed to get a call or email within 24 hours regarding the issue, and how after 180 days I will receive my funds. I waited until the XXXX, over 24 hours, and did not get an email or call so I called them back. I spoke with a customer service representative who told me nothing can be done and that my account will remain limited, also not telling me what I did wrong to violate the acceptable use policy. I repeatedly asked to speak to a supervisor about the issue until I was transferred. The supervisor repeated the same thing that the customer service representative did. I asked to speak to a manager or someone above him about my issue. He refused repeatedly, stating that they wont do anything and will tell me the same information. After back & forth for a while he finally transferred me to a manager. I mentioned about filing a complaint if my issue is not resolved or if I'm not told what I had violated. They opened a ticket on my behalf to re-evaluate my account and told me they would get back to me within 24 hours. Two days later, XX/XX/XXXX, I hadn't received an email regarding my ticket being opened or looked at, so I called again. The representative told me that the team who works on that issue isn't open on weekends so I should hear back some time on Monday. Today, Monday, XX/XX/XXXX, I receive an email exactly XXXX XXXX, 23 minutes after its technically " Monday '', that my account will remain limited due to an Acceptable Use Policy violation. They still had not told me what I did incorrectly to violate their policy. I call them back today, the XXXX, regarding this and told them about how I will be filing a complaint so they're aware, because I know I have not violated the policy or been told what they think I've done. I told them what I use my Paypal for ( selling XXXX XXXX ), as well as they had asked if I had another account. I told them I used to use an account with my girlfriend where I sold the same items occasionally, and had made this single account because I wanted it under my business name, as well as I didn't want my girlfriends account to reach the selling threshold that would make her receive a 1099k under her legal name, for sales that were not hers. | ||||||
| 05/14/2020 | Yes |
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| On Wed, XX/XX/2020, I placed an order for two XXXX XXXX XXXX Toilet Paper, 36 Double Rolls - White with the website carolike.com for the amount of {$64.00} USD through my PayPal account. This order was placed with carolike.com, as many physical and online stores had sold out of toilet paper as a result of the current pandemic, and I wanted to ensure my and my family 's household had sufficient supplies. I received confirmation of my purchase via email from carolike.com, however, it should be noted that both the " view your order '' and " visit our store '' buttons were not working. Additionally, the email originated from an " XXXX '' personal email address. Obviously, this was suspicious, however, I really had no way of checking my order or contacting them as their website was now down. On XX/XX/2020, I received a package from XXXX with what looked to be hand-rolled single ply paper and am uncertain if this is even toilet paper. It was certainly not the XXXX XXXX toilet paper I had ordered and will not be attempting to use this as toilet paper. On XX/XX/2020, I filed a dispute with PayPal advising them that this merchant is a scam as their website is no longer working nor is my order link in the order confirmation. I advised PayPal that I was not the only individual who is having issues with XXXX 's orders, and referred them to see the XXXX reviews where many other individuals describing the same issue of having been scammed. I was notified by PayPal, that the merchant would provide me a full refund IF I shipped back the item I had received. I do not believe I should have to pay for the international shipping costs to the provided address which I can not even read provided by PayPal : " Return shipping address XXXX XXXX XXXX. '' The only acceptable form of resolution would be for this scammer pay for the shipping costs for the return of the unsanitary garbage I received from them, and my receiving a full refund. I am disappointed with PayPal and it's consumer protection process. It is clear that this merchant is scamming a number of individuals during this pandemic and causing consumers like myself undue harm and loss of monetary funds. They are taking advantage of and prey on consumers during this pandemic. PayPal should be ashamed by having partnered with this merchant and I am filing a formal complaint to make the CFPB aware of the issue and to assist in a satisfactory resolution to this matter. With that being said, I believe I should receive a full refund for this order as it is Significantly NOT as Described and for having been scammed by a merchant PayPal did not conduct sufficient diligence on when onboarding. | ||||||
| 06/07/2022 | Yes |
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| Issue : PayPal permanently limited my account whilst it had a large sum of money on it without any valid reasons. Hello, My name is XXXX XXXX XXXX XXXX My Reference ID : XXXX My PayPal Email : XXXX I'm writing this email because despite multiple attempts to contact PayPal customer service inquiring towards the reason for my account suspension, I keep receiving automated replies. Before attempting to contact the CFPB, XXXX and FTC, I figured Id try one last time to reach someone at the company who can help. My account was permanently limited on XX/XX/XXXX without any real explanation. A balance of {$2400.00} is currently being held in the account. Ive been an account holder for over a year, and the few XXXX XXXX I provide ( XXXX XXXX ) are well within PayPals acceptable use policy, in addition to being compliant with all other regulations. I have never had any issues with fraudulent activity, and yet out of the blue my entire account is frozen, my money is taken hostage, and I cant even get an answer as to why this is happening. Im provided with 0 recourse, and vague promises to release funds in half a year. There are countless stories posted online detailing how members have had this exact thing happen to their accounts, and never had funds released back to them after the time was up. While this is far from reassuring, regardless of the validity of these claims, the fact remains that there is no reason why this should be happening to me, and I cant even get someone from the support department to take a little time to look into the situation and attempt to rectify ( or even explain ) the reasoning behind the decision. My PayPal account was an personal account and not a business account. With this said, the vast majority of my funds were sent via friends and family payments. This is money from people who knew me. Money from people who had every intention of me receiving the funds, and had taken the appropriate actions via your service for this to happen. If there was a transaction being contested for a dispute ( which I wouldnt know, since no one will explain why my account is frozen to begin with ), it would be one thing to hold those funds and perhaps even have the account on hold throughout the process. However, as stated, the majority of my funds were from friends and family, and denial of access to these funds is ludicrous. These are the funds I use for my education. This is how I was paying for my future, and its being held hostage without so much as an explanation. I need a clearer answer as to why this has happened, and a clear path forward to rectify this mistake on the companys part. Regards, XXXX XXXX XXXX XXXX | ||||||
| 07/17/2015 | Yes |
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| I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself. | ||||||
| 02/06/2018 | Yes |
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| To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. Respectfully Submitted, XXXX XXXX | ||||||
| 10/15/2022 | Yes |
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| XXXX, XXXX- Paypal " limited ''/ froze my account for supposedly breaking their Terms of service. Never told me why my account was limited even after trying to contact Paypal customer service. My account from " limited '' with approximately {$480.00} in the account. Paypal then sent me an email stating my account was limited for breaking their ToS and the money would not be available for withdrawal for 180 days. After 180 days of holding the money incase of charge backs or to settle and debits on the account, i was lead to believe that I would then be able to withdraw my money. XX/XX/XXXX - After 180 days, Paypal decided my untold breaking of their Terms of Service would be assessed a potential {$1500.00} fine. So they seized all the money in my Paypal account which was {$480.00}. After again contacting paypal, customer service, they still wouldnt tell me what my alleged ToS break is and why they get to steal {$480.00} from me. XX/XX/XXXX to XX/XX/XXXX- Multiple calls and emails with Paypal customer service, all they would tell me is that my account is limited and that there is nothing these customer service people could do about it. All emails were ignored and un answered. Only way to get into contact in any way with Paypal was to call them and wait 60+ minutes on hold. They kept saying " our back end staff have evaluated your account and have deemed that the limiting of your account was final. '' I couldnt get any contact info for the " back end '' people to get any answers. XX/XX/XXXX- XX/XX/XXXX - XXXX had pretty much given up on getting my money back and just let paypal rob me of {$480.00}. XX/XX/XXXX - Got in Paypal website to request my account be closed through their web portal. Paypal website notified me, I couldnt close my account from the website and would have to contact customer service. XX/XX/XXXX - Contacted paypal customer service XX/XX/XXXX, to request that all my PII ( personally identifiable information ) be deleted from their servers and my account be closed. Requested paypal delete all my banking account numbers as well as my SSN. Customer service representative XXXX ( reference number XXXX ) told me he couldnt do anything for me but led me to the Paypal website where I could request Paypal delete all my information from their servers. Upon using this website portal to delete my information, received an email stating they would evaluate my request. XX/XX/XXXX - Received email from Paypal stating they wouldnt delete my information from their servers because my account is " limited ''. Again called Paypal Customer service, again customer service representative said they couldnt help me in any way. | ||||||
| 01/18/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I received an e-mail from PayPal that XXXX # XXXX had been accepted in the amount of {$840.00}. I have no PayPal account nor had I made an order. I called the number listed in the e-mail, XXXX XXXX XXXX to cancel the spurious order. I was connected to a man named XXXX at XXXX. First I found out that my XXXX ( formerly XXXX XXXX XXXX ) credit card was used to fund the PayPal account and pay for a laptop. That credit card account is locked plus an old credit card number was used which expired this month. So no charges went through. He then said that a little earlier, someone used my XXXX debit card to open and fund some investment account for {$600.00}. That card had expired at the beginning of XXXX and my new debit card had a very different number. So no charges went through to my bank account. Most times when using a credit or debit card for payment, you have to enter the expiration date but apparently PayPal did not do that. XXXX said he would give me ( electronically ) a {$50.00} XXXX gift card because of the problems. XXXX rejected it and I let XXXX know. He said he would resend the order plus one for {$200.00}. Both of those were rejected and XXXX called me worrying that I was falling for a scam that asked for prepaid cards. This kept going on until XXXX said I would have to open a new XXXX account because my original account was basically shut down. By doing that, I lost {$30.00} in gift card value that was already stored in my account. Somehow it became an XXXX XXXX account which I had no use for. I spent an hour or more everyday on the phone with XXXX trying to resolved this mess. I discovered last Saturday that there was a pending charge to my bank account for {$50.00}. It wasn't until this morning, XX/XX/2022, that I found out that XXXX charged my account that amount of money. I contacted XXXX and he said he would refund that money. However, then a charge for a XXXX card and account appeared in my bank account. I also got an e-mail that PayPal had ordered a 1 year subscription to XXXX XXXX XXXX using a company called XXXX XXXX for {$99.00}. I have no interest in that service and certainly didn't order it. Instead of anything being resolved, the mess just keeps growing. Last week, XXXX was supposed to red flag my credit and debit cards so nothing could be charged to them. Today he explained that someone else had removed those flags which allowed these other unwanted and unordered charges. I also want any shipping information for the laptop that was collected in hopes of identifying who stole my financial information and was using it so I can turn it into the police for possible prosecution. | ||||||
| 10/09/2023 | Yes |
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| On XX/XX/XXXX, I placed an order online for {$580.00} for three items from XXXX using PayPals XXXX service. This meant that I paid for the purchase in XXXX installments of {$140.00} each : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The items were delivered on XX/XX/XXXX and returned in-person to a XXXX showroom on XX/XX/XXXX, which was within the allowed return window. I received a handwritten receipt for the return at that time. However, a month later, I still had not received the refund due in the amount of {$360.00}. So I raised a dispute directly with the credit card used for the transactions, a XXXX from XXXX XXXXXXXX XXXX, administered by XXXX XXXX XXXX : claim ID # XXXX. As part of this claim process, XXXX received a letter dated XX/XX/XXXX from PayPal stating that my claim was accepted. As a result, XXXX also accepted my claim and charged back and refunded the appropriate amounts. I have now been refunded in full. As you can see from the screenshots, PayPal also opened cases and closed them in my favor, in parallel with this process. Those case numbers are : XXXX XXXX XXXX, and XXXX. Unfortunately, since then, I can still see on the homepage of my online PayPal account that PayPal has this XXXX plan incorrectly listed as in arrears, with immediate payment due. I also applied for a PayPal credit line on XX/XX/XXXX and was denied due to this error still being listed incorrectly on my account. My credit score is near XXXX and I have never before had any issues with any accounts whatsoever. The denial letter that came from XXXXXXXX XXXX caused me to think that a negative report had been made to the credit bureaus. Thankfully, I have been unable to find any such negative account listed. I fear PayPal may yet report something that will hurt my credit in the future, though. I now believe that the issue is internally within PayPal and that the reason for the denial is the incorrect listing of this one installment plan. I have also tried several times recently to obtain new PayPal Pay-in-4 plans and been denied by PayPal. I have called PayPal at least five times trying to bring this ongoing issue to PayPals attention, but no one seems to understand it or has done anything to correct it. I have talked to multiple departments. Both PayPal and I now possess a recording of a recent call on XX/XX/XXXX, in which the representative verbally acknowledged that my claim had been decided in my favor and that PayPal had accepted the claim. Yet, I am completely unable to use Pay-in-4 at this time or to obtain any credit from PayPal Credit due to PayPals continuing listing this matter on my account as delinquent. | ||||||
| 03/16/2018 | Yes |
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| I received two refunds onXX/XX/XXXX from XXXX XXXX thru PayPal. The funds from the refund for {$41.00} was immediately made available. That balance was actually used towards a replacement order onXX/XX/XXXX Another {$370.00} was withdrawn from my checking account. The refund of {$400.00} shows as refunded but the funds have never shown back in the PayPal account. Account balance is {$0.00}. XX/XX/XXXXI noticed the {$370.00} withdrawal from my checking. I did not understand why, so I called PayPal on the morning of the XXXX After navigating their auto phone maze, I spoke with an Agent. I asked why funds were taken when they still owed me {$400.00}. First he said I used it against the purchase onXX/XX/XXXX. Then put on hold for while, came back and said it takes 5 to 7 business days. I pointed out that I received one of the refunds that was processed the same time. He remained with 5-7 days, and would not explain why. XX/XX/XXXX, day 7 I call again, after the two minute hold this time I was told that XX/XX/XXXXhadn't completed their transaction, so my refund hadn't been processed. I asked why would or how your system know there was a refund if XXXX XXXX didn't notify you?. Put on hold 7-10 minutes. Upon return, I will need to transfer you to a specialist. I hung up. I decided to try the website, sent an email, received a caned response and then a second response : Good day. Thank you for contacting PayPal about your transaction. I'm unable to determine what transaction you are referring to. If you are pertaining to your transaction with XXXX XXXX XXXX I regret any confusion and inconvenience this delay may have caused. We have identified a technical issue that the refund was completed but still pending on receiver 's account. I have noted that your account has been affected by this and will pass on the information to our technical support teams who are working on a solution in a quickest possible time. I humbly ask for your extended patience and understanding. Thank you for being a valuable member of the PayPal community. Take care. Sincerely, XXXX Consumer Support PayPal Copyright XX/XX/XXXX PayPal. All rights reserved. XX/XX/XXXXI have called everyday sometimes I get to the specialist, never a manager. All have assured me my funds will be released in 1 to 24 hrs. Nothing has changed, I was given a ticket number once by, and on subsequent emails I have sent in response to their emails doesn't match. I believe eitherXX/XX/XXXX the Agent had me try to file a dispute thru my PayPal account. I could not dispute the original purchased, since it had be refunded. And I could not get the refund dispute to accept. | ||||||
| 02/18/2022 | Yes |
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| Dear Paypal I have had a personal account with you all since XXXX. On my personal account you all have me marked as a seller I guess because I accept so many payments for my XXXX company and I have been operating through my personal account no issue for years. XX/XX/XXXX I established an LLC for my company called XXXX XXXX XXXX XXXX. I have 13 1099 contractors under my LLC. My CPA advised that I open a business account with Paypal since I use your platform to receive business payments as well as pay some of my contractors. I opened the business account using the email address XXXX I used my business name XXXX XXXX XXXX as well as my newly established EIN XXXX for my LLC ( which I have no converted to S corp ). I advised my contractors as well as the clients that pay me for marketing this is my new paypal email address. In less than 2 weeks of opening the account no warning Paypal sends me an email stating that you all permanently limited my account and that I am unable to use it ever again. I called in to Paypal and explained they stated they would send a ticket in requesting for it to be reopened. Never received an update so I called again, turns out the rep states sorry you never received an email but they denied the ticket and she is unable to tell me why other than it states the account was shutdown due to fictious information was used to create the account and the bot you all have setup shut me down because of it. This is outrageous I have had an account with you all for almost 10 years. I would think like you all do others if you felt any information was wrong I couldve been at least given the chance to provide proof. To say there is nothing we can do our robot shutdown your account is absurd. I am requesting that corporate looks into this and reinstate my account as I have also placed all my business information with this letter to prove all the information I used to open the account was true and accurate. Also, even the business account that was linked to my paypal had my business name on it as well. To just shut down the account and state your keeping the funds I had in there for 6 months just isnt okay. I have done nothing wrong I have never used your platform for any illegal services or activity and I have had a personal account with you all for so long I cant believe you all didnt give me the curtesy like you do so many others by just requesting the documents needed to verify my new business account. I am asking please check into my business account and please compare it to attached documents and you will see I have been operating exactly how I created the new account. Thank you so much for your time. | ||||||
| 07/14/2020 | Yes |
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| On XX/XX/2020 I deposited {$1200.00} via bank transfer into Venmo as I have created an account with their peer to peer payment service for the first time. That payment cleared this morning and upon attempting to use their service I was unable to retrieve any money from the account. They notified me that it would be 8 to 10 business days before someone would get in touch with me from account services in order to fill me in and provide the help I need to utilize their service. They stated the account was frozen. I demanded to have my deposit refunded and to terminate my account with their service, that demand was met with an explanation that there is nothing this particular associate could do to help me and I would have to wait to be contacted. This is predatory in nature as I have nothing on my credit report or history pertaining to PayPal, Venmo or anything of the sort that would lead me to believe perhaps fraud taken place under my name that I was unaware of. I have a business which utilizes PayPal to conduct transactions. The more appropriate way to put it is that we used PayPal before we ran into so much trouble with them, there was large scale, in my sense, maybe {$1000.00} or {$2000.00} total within a 60 day period where A client whom I have a long-standing business relationship with and was paid for several years via traditional check for the service I provided that same client fell into financial hardship and decided to go on a tirade with several companies they did business with, me being one, and disputed every single payment they had ever made over the course of a 2 to 3 months. In an effort to retain money and keep their business afloat. PayPal refunded their money, after I sent them a 2 year history of payments issued to my company by that client, they still sided with the consumer. I can only presume that my dispute with PayPal through my business account is why Venmo would knowingly accept a deposit for {$1200.00} with the intention of keeping it. However I do believe that is far from the issue as a business account held by an LLC would protect me, the individual, if I chose to open a personal account under a subsidiary of Paypal in Venmo. Their practices are predatory and deceptive they allowed a deposit to come into their account knowing full well they had no intention of me being able to use it any issue they have with my business does not pertain to myself as an individual and after reading what I read online I could not believe how many people were taken advantage of in my opinion by Venmo. Someone please help me with these guys as they have way too much money for me to try to take to court. | ||||||
| 06/28/2018 | Yes |
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| This is regarding my PayPal debit card account only. On XX/XX/2018 at XXXX XXXX PDT my account was hit with 33 separate incidents where funds were withdrawn from my PayPal account all at once, causing my account to go into a negative balance by - $ XXXX. The transaction details show this : Payment to : XXXX ; Debiting for PIN transactions that did not debit the Paypal account correctly from XX/XX/XXXX through XX/XX/XXXX. After speaking with PayPal, they admitted that their accounting system failed to collect on pending charges, which eventual were cancelled by the system. This error was discovered a few days before the " Balance Adjustments '' charges were processed. My problem is that my accountant shows that I have been double billed and that these subsequent charges are not ID with a location nor a vendor making it impossible to account for. The original charges from the XX/XX/XXXX/XX/XX/XXXX period DO NOT EXIST on the balance statements provided by PayPal online. They do show a lot of pending amounts, and then show the balance being put back into the account, but these charges do reflect on their online accounting balances, ONLY when you download the account activity. Therefor the balances never go up on the online accounting balances, only on the downloads. Many of these charges were ATM withdrawals which are typically not pending situation, where amounts are immediately subtracted from the balance. We have never seen the balance go up unless a customer made a payment. My accountant has also noticed that the ledgers have been changed for the same transaction on similar dates from month to month, and then significantly changed in XX/XX/XXXX. This questionable accounting of having two different ledgers that don't match my receipts and ledger leaves to doubt the validity of the adjustment charges. This has cause my business significant hardship because of manner in which PayPal had to cover their mistake. Did they not warn nor notify these error and forthcoming adjustments to my balance going to be made. The amount of these adjustments charges cover 3-weeks of income and spending habits nearly equals my monthly income and I unable to pay it back before they will be sending the account to collections. I have noticed that many have not only contested these charges but found discrepancies in PayPal 's month-to-month accounting where the amounts vary by thousands of dollars. This leaves me to believe that there is a systemic failure with the PayPal debit card accounting infrastructure. I have collected cases from over 30 other users and preparing to get legal class-action suit representation. | ||||||
| 06/01/2020 | Yes |
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| Our company XXXX XXXX XXXX XXXX XXXX located in XXXX, China, offered the market the sale of disposable masks and KN95 to combat the Covid 19 pandemic. We made a sale to Puerto Rico of 100,000 masks and our client offered to make the payment using PayPal. We do not usually proceed with these transactions, and we always prefer it to be Wire Transfer. Our client in Puerto Rico made two payments via PayPal : USD XXXX on XX/XX/XXXX and the second payment of USD XXXX dated XX/XX/XXXX. We shipped by XXXX and XXXX and the customer received all the goods. At first, our PayPal account was blocked because, according to PayPal, there was a suspicion of some irregular transaction. We submitted all the documents to verify that the negotiations are correct and regular and after several attempts for many days, PayPal released the account. Our client has repeatedly insisted with PayPal by internal PayPal message to release the money, but until today XXXX XX/XX/XXXX XXXX, PayPal has closed all kinds of communication with us. On Friday, XX/XX/XXXX, PayPal sent our client four emails indicating that their case had been resolved and that the money had already been released to the client. In two emails, PayPal states that the two cases ( claims ) that had been opened by our client, had already been resolved and that the case was closed. PayPal immediately sent two other emails stating that the payments were sent. The XXXX XXXX Bank, which was the one who granted the credit to my client through his credit card, already collected the invoices and my client already paid it. So, PayPal does not have any debit pending with my client. On Saturday, XX/XX/XXXX, we immediately contacted PayPal to confirm the emails that had been sent to my client confirming the payments, but, no notification was sent to us, and worst of all, it was that both on Saturday XX/XX/XXXX as today XX/XX/XXXX PayPal tells us by phone that it is analyzing the case and that in 02 weeks it would give us an answer. It is inconceivable, frustrating, unacceptable, shameful and a great lack of respect that PayPal has not only with its customers, but also with the companies to whom they must allocate the money. It seems that PayPal wants to retain XXXX XXXX for its own purposes and interests and with all its extreme bureaucracy and lack of attention, we do not understand how a company of this magnitude takes these actions, without even taking care of its reputation and dignity. as a company. We need going to international institutions to be able to exercise our right as an honest Chinese company and the only thing we request is that PayPal send us the money that belongs to us. | ||||||
| 04/05/2021 | Yes |
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| XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the " contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet. XX/XX/XXXX, 2020-receive email from Venmo stated that they " covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would " cover '' my funds to pay a scammer. XX/XX/XXXX, XXXXreceive another email from an " account specialist '' stating that " it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo. XX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with " Do any of these articles answer your question? '' Which did not assist me in any way. XX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf. Since the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well. The total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help. | ||||||
| 02/06/2023 | Yes |
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| I have had a paypal account for multiple years, using their debit card option for the same amount of time. Using mostly for things like online shopping, convenience stores, gas, etc. I make the same type of purchases at the same places religiously. I've never had problems with my account, so I decided to have my financial aid for school deposited into the account. I'm just a student, I don't work, so this aid would be my means of living for the next few months. The financial aid was deposited on XX/XX/2023. I made a few of my usual transactions, nothing out of the ordinary, then after trying to make a transaction I was shocked to see it declined. This was not more than 2 days later, on XX/XX/2023. Quickly realizing my account was marked " limited '' I immediately called customer service to try and sort this out. Customer service tells me not to worry, it will get handled swiftly, and tells me she doesn't even know why it was limited but tells me it will be handled asap. The customer service agent then tells me I can still use my card at the store, and I confirm what I'm hearing is correct 3 times with her, and each time she insists that I can use it. I test her claims at the gas station just to be declined at the pump. I decide to give it two days, as the notice on my limitation tells me I will hear from them about this limitation on my account within 2 days. But, I did not hear back. XX/XX/2023 XXXX message paypal support through their message support feature. The agent tells me it is limited because of a transaction. Which transaction, she doesn't know. I tell her I can supply her with any information they could possibly need for me to confirm my identity and confirm I made any transaction. I offered my updated drivers license I offered proof of address I offered standing in front of my ID to confirm its me sending it. She says they don't need any information from me and gives me the usual script of not to worry. XX/XX/2023, I message again and again they tell me to " give it a couple more days it's just a matter of time ''. I am basically begging them to let me confirm my identity or if theres a transaction in question let me prove whatever it is they need to give me access to my funds. Still, the answer is no. It's now XX/XX/XXXX. I can't transfer my funds, I can't close my account, I can't use any of my money to buy textbooks I need for class which will result in me having to drop my classes and ruin an entire semesters worth of time. I can't buy groceries, gas, fix my car which just broke down, paying my school registration fees, virtual products I need for my classes, nothing. | ||||||
| 10/18/2021 | Yes |
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| This Complaint submission is in regards to PAYPAL Services which has failed to allow me access to my funds. My account was previously compromised and there was fraudulent activity that took place. I called to speak to a representative regarding the charges on numerous occasions. An investigation took place and throughout that time, my account was at a XXXX Balance. As of yesterday XX/XX/XXXX, I received an email stating the case was closed after an investigation and that my account would be credited the total of {$700.00} with 2 Disputes Fees of {$15.00} each. When checking my account it stated there was negative balance of {$30.00} resulting from the Dispute Fees. There was no other funds available. I decided to contact PayPal directly which I have been on the phone with them for 2 hours to figure out where the credit went. The first representative did not seem too informative and stated the credit was sent to my financial institution. I explained nothing was sent to my financial institution and that I never received the credit. I then requested to speak to a supervisor who can further elaborate on the matter. I then spoke with XXXX XXXX - ID XXXX who stated he is an Account Supervisor. XXXX XXXX was rude continued to interrupt me and refused to answer any questions I would ask. He stated the credit was applied to my account and that there was a negative balance which was never the case. I have checked my account frequently and there was only an investigation and no negative balance. He stated my account was negative {$700.00} and which is why I don't see the credit. I asked him to provide me with documentation indicating so because I never received notice nor did my account reflect what he was stating. I even went through the account history with him and yet still no indication of a negative account. He then stated to refer to the email that was sent last night on ( XX/XX/XXXX ) and that it should indicate my account was negative. I have attached the emails from PayPal in the documents associated with this complaint submission. He then left me on hold for 25 minutes and then another representative came on the phone by the name of XXXX XXXX - ID XXXX. She as well did not provide me with any additional information. When I requested for documentation indicating my account was previously negative, she refused to comply and stated " Go figure it out on your own. '' I have never dealt with such poor customer service in my life. I would like to have access to my funds as soon as possible. I will exercise my right and file a civil suit if my requests are not reached as soon as possible. CASE ID : XXXX XXXX | ||||||
| 09/13/2022 | Yes |
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Web | Older American |
| My wife and I use The VENMO app owned by Paypal Inc. XX/XX/XXXX my wife XXXX had her Venmo acct frozen. she called Venmo and they said problem with our XXXX XXXX Bank. She called them and they said it was a VENMO issue. She called Venmo back and they said it was an issue with my Venmo acct. My account was then Frozen and we both started communicating with what we thought was a VENMO Tech team. They told us that our IP address was on several servers around the world and before we could use VENMO again we had to get our IP address off these bad servers. In order to do this we needed to combine all our Money that was in our XXXX XXXX accounts into one account and wire it to a Bot to hold money safe temporarily while they got access and cleared the severs of our IP address. We also had to XXXX money to a made up person to gain some type of temporary access in order to do this work. We made two wire transfers and 3 XXXX transfers. The wire transfer were done on XX/XX/XXXX {$20000.00} and XX/XX/XXXX for {$21000.00} to bots as well as 3 XXXX transfers. The money was supposed to come back to us in 3 days. Before we agreed to transfer money I had them send me photo VENMO ID Badges and they gave me two VENMO receipts for the two wire transfers. There was no reason to think this was a scam because both our VENMO accounts were frozen and we had dialed the VENMO number and had receipts for the money. On XX/XX/XXXX the day after the 2nd wire I tried to contact VENMO through a chat and we were cut off, then the next day did a chat again and I sent them Screen shots of the Two IDs card, wire transfers and Bot addresses of sent money. I ask them for help and wanted to know if this was fraud. They still have not told us the answer. I started getting concerned and decided to contact VENMO in a chat and they said our case had been pushed to a higher level and that seemed reasonable to me. I sent about two dozen emails to VENMO pleading with them to tell us if these people worked for them. I did not get any answer but it would be 7 days to 21 days before they would respond to my plea for help. On XX/XX/XXXX we finally went to XXXX XXXX Bank and they told us this was not fraud to them and all they could do is a recall for the two wires. We still have not heard what has happened to the recall. We believe VENMO is responsible and are asking for them to return our life savings to us. We are both XXXX years old took reasonable steps to identify these people working for VENMO and when I sent screen shots and pleaded for help they ignored us. We also feel that XXXX XXXX has some responsibility to help us with the fraud. | ||||||
| 01/22/2016 | Yes |
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| Summary of complaint : 1. In violation of PayPal User Agreement, Section XXXX, PayPal failed to properly investigate and protect me against unauthorized charges and illegal selling practices, in which Seller doubled my order without authorization, and then refused to refund the extra item unless I pay restock and shipping fees which exceed the refund value. 2. PayPal failed to provide an explanation of their decision to deny my claim, which is in violation of PayPal User Agreement, Section XXXX : " If we decide that there was not an error, we will include an explanation of our decision in our email to you. '' 3. PayPal refused to provide documents used in the investigation, which is also in violation of PayPal User XXXX, XXXX XXXX : " You may request copies of the documents that we used in our investigation. '' Summary and timeline of transaction and dispute : XXXX/XXXX/XXXX : XXXX. XXXX XXXX : I order a Sweater, size Small, from XXXX ; paying via PayPal. XXXX. XXXX XXXX : I review email from XXXX and notice invoice is for size Medium. XXXX. XXXX XXXX : I respond by requesting XXXX to cancel wrong order and send size Small. XXXX/XXXX/XXXX : Three ( 3 ) days after my request to cancel the incorrect order, XXXX ships out XXXX orders, XXXX ( XXXX ) Small and XXXX ( XXXX ) Medium, from XXXX, XXXX. XXXX/XXXX/XXXX : After discovering that XXXX has shipped and charged me for both sweaters, I advise XXXX of the error and request to return the incorrect order. XXXX/XXXX/XXXX : XXXX responds " we sent you size M, by the way, we are XXXX size, it will run a little small.we think M is better for u '' XXXX/XXXX/XXXX - XXXX/XXXX/XXXX : After three ( 3 ) weeks of poor communication with XXXX, XXXX finally agrees to accept a return if I pay {$30.00} shipping, and after receiving the item they will deduct a XXXX % restock fee and issue a refund of only XXXX % of the original cost. XXXX/XXXX/XXXX : Frustrated with the slow/poor communication, I report the issue to PayPal in hopes of a more timely resolution. XXXX/XXXX/XXXX : 1. I receive an email stating that PayPal denied and closed my claim, with no explanation as to why. This email states : " If you 'd like a copy of the documentation we used in the investigation of your unauthorized account use claim, email us at XXXXXXXXXXXX ... '' 2. I send an email to XXXXXXXXXXXX, requesting the documentation used in the investigation. XXXX/XXXX/XXXX : I receive an email from XXXXXXXXXXXX refusing my request for documentation, stating, " To request information about a customer? s PayPal account, an attorney or law enforcement officer must submit a legal subpoena. '' | ||||||
| 09/20/2016 | Yes |
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| Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. PLEASE PLEASE PLEASE HELP. | ||||||
| 11/12/2021 | Yes |
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| Hello. I rarely use international transfers, I used XXXX and XXXX XXXX without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. In XXXX, because of the covid protocol, there were restrictions in the work of the XXXX XXXX, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called XXXX XXXX to confirm the transaction onXX/XX/21, but they just transferred the money back to me. Okay, I went to XXXX XXXX located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in XXXX XXXX located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in Venmo, but the custom service told me they do not make international transactions and advised PayPal. Oh PayPal! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But PayPal custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! Sorry for the long post, but I tried to make a complete picture. Respectfully, XXXX XXXX | ||||||
| 09/23/2021 | Yes |
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| On XX/XX/XXXX, I need to transfer my money from my PayPal balance to my XXXX debit card to pay for my XXXX tuition ( XXXX XXXX XXXX XXXX ). But PayPal set limitations on my account, so I can not transfer money to the debit card. I call PayPal ( China ), and they let me wait and try next week. After a week, I try to transfer my money, but their system still set limitations, I can only withdraw $ XXXX from PayPal balance to my XXXX debit card. But my tuition fee is over {$14000.00}. ( The evidence of the call is in XXXX ) On XX/XX/XXXX ( XXXX EDT ) I call PayPal American help center ( I use my phone number XXXX ) to find a way to solve this problem. They suggest I create a USA PayPal account and transfer money from my Chinese PayPal account to my USA PayPal account, and then the limitation problem would be solved and they told me the fees would be XXXX %. They suggest I transfer my money to a PayPal US account. Under their suggestion, I create a USA PayPal account ( XXXX EDT ) add my debit card to PayPal ( XXXX EDT ) and transfer {$22000.00} from my Chinese account to my U.S. PayPal account ( XXXX EDT ), however, they charged me a {$1000.00} fee, because their system identifies my action as a payment. Their system didnt show me a {$1000.00} fee in the entire process, or I will stop the transaction. ( The evidence of the call is in XXXX, the email evidence is in XXXX, XXXX, XXXX ) This transfer fee is {$1000.00} fee ( 4.39 % ) because the PayPal system thought this is a payment and I'm selling goods from China to the USA. And my American PayPal account had also been frozen by PayPal. On XX/XX/XXXX, ( XXXX EDT ), I report this error to PayPal America ( I use my phone number XXXX call them ), their agent recorded my case and promise me that Ill get back all the money and including my fees ( {$1000.00} ), but my account is on hold, and they should restore my account, then when I click the refund button, I can get all my money back to my account including my fees. ( The evidence of the call is in XXXX and XXXX ) After two weeks wait, my account is still on hold, so on XX/XX/XXXX I call PayPal American againI use my phone number XXXX call them, and make a video record when I calling PayPal American, they also promise if I follow their instruction and refund the money, I will get all my money back. On XX/XX/XXXX the hold on my account is moved. But PayPal refuses to cancel the transaction, refuse to refund all my money, they said the fee ( {$1000.00} ) is already charged, they can not refund the fee. They can only compensate me {$100.00} credit to my PayPal account. ( The most important evidence is in XXXX ) | ||||||
| 12/25/2020 | Yes |
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| On Sunday XX/XX/XXXX, I woke up to three Paypal email alerts. The first said that I logged in from an unrecognized device, the second said that I opened up a PayPal XXXX Credit Card, which I had not, and the third said I had a pending purchase for {$1900.00} to " XXXX. '' As I had not taken any of these actions, I immediately logged in and tried to dispute or cancel the charge but I was unable to do so. I attempted to contact the fraud department and took the following steps : ( 1 ) Pressed dispute for two other options ( XXXX apple and {$47.00} for XXXX XXXX XXXX trying to flag my account to make sure the pending purchase would be investigated by a human. In the notes section I wrote please investigate the pending charge. This is not a dispute for the charges selected. I got an email back saying XXXX and XXXX were legitimate charges and nothing about the {$1900.00} charge ; ( 2 ) I immediately tried to call Paypal but no one was there the message said " chat with us, '' so I sent a message trying to get in touch with the fraud team ; ( 3 ) Contacted Paypal via XXXX on my account and my husbands account. Started to secure my account by deleting personal information including credit card, bank accounts, addresses, contacts etc. and the fraudulent paypal credit card key. I also separately spoke to XXXX. To research on their end, they wanted the Paypal XXXX and the order number, neither of which PayPal would provide to me. I also called Mastercard ; they could not track the PayPal XXXX that was created to cancel the transaction. I also spoke to XXXX XXXX and Visa and they said the PayPal fraud team must reverse the charge. Finally, I filed a police report about the fraudulent activity and PayPal 's lack of assistance with the matter. The next day, on Monday, XX/XX/XXXX, I received a text message stating that my purchase was declined. I was thrilled and asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to the bank. However, my account was still at XXXX and the transaction still said pending despite the text. On Tuesday, XX/XX/XXXX, I received a text message that the purchase was declined. I again asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to my bank account but the account was still at XXXX and the transaction still said pending. '' That evening, I logged on to Paypal and saw the transaction was approved instead of pending. I immediately logged a detailed dispute. On Wednesday, XX/XX/XXXX, I woke up and saw that my dispute was rejected and called the police to file a report for larceny. | ||||||
| 07/13/2023 | Yes |
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| Received e-mail in XXXX from XXXX XXXX XXXX XXXX, a debt collection company. E-mail claimed that I owed PayPal the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. To the best of my knowledge, I have not used any PayPal services in more than two ( 2 ) years, perhaps not before XX/XX/XXXX (? ). I contacted PayPal concerning the above, asking PayPal to verify the above statement and, according to PayPal, my account was in perfect order and I did not owe any funds to any person ( s ), company or corporation. Last week of XX/XX/XXXX I attempted to log into my PayPal account and found my PayPal account locked out. I contacted PayPal and they referred me to XXXX XXXX XXXX XXXX XXXX I requested from PayPal as to why my account was locked and PayPal would not give me any information and told me to contact XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX told me that, according to PayPal, I removed all funds from my PayPal account before funds could be paid out to certain parties. I informed XXXX XXXX XXXX XXXX that something is wrong and I never purchased anything via PayPal. I only used PayPal to sell certain items and never purchased any items and that PayPal will not allow anyone to withdraw funds if money is owed. XXXX XXXX XXXX XXXX claimed they would look into the matter. XXXX XXXX XXXX XXXX would not identify any involved parties that I allegedly owed money to. Received letter from XXXX XXXX XXXX XXXX, postmarked XXXX XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had acquired this alleged debt, in the amount of {$1100.00} from PayPal and that now I must pay this alleged debt to XXXX XXXX XXXX XXXX XXXX A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by XXXX XXXX XXXX XXXX except for a date and dollar amount. Since XXXX refuses to discuss this matter with me in any form, and since XXXX XXXX XXXX XXXX refused to identify actual parties making these alleged claims of funds owed, I believe one of XXXX ( 2 ) things are happening here : 1. Identify Theft being my PayPal account was hacked and this is a failure of PayPal to protect their account holders or 2. There is a collusion between XXXX XXXX XXXX XXXX and PayPal to make false claims to extort funds from account holders. I have reviewed XXXX XXXX XXXX XXXX ratings on the XXXX XXXX XXXX ( XXXX ) website and there are numerous filings with the XXXX of complaints against XXXX XXXX XXXX XXXX for fraud, exactly as I have described my situation. | ||||||
| 08/31/2022 | Yes |
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| Paypal is intentionally, knowledgeably and willfully obstructing justice by submitting false statements to CFPB or I need help from CFPB with additional questions to stop that power abuse that Paypal is doing constantly not allowing to move money to the bank of my choice. Paypal welcome to add money in to use my money for their benefit as I found along with XXXX XXXX for free one sided without benefit to me, but do not allow me to transfer my money to the bank of my choice. I was not even allowed to move my money to XXXX Bank that affiliated with Paypal. I opened an account with XXXX Bank. I already got a XXXX XXXX card and was able to link it with my Paypal account. But when I tried to add my checking XXXX Bank account to my Paypal account Paypal resist to allow it. Paypal did not allow me to log into my XXXX Bank account to connect instantly, and I tried to connect my XXXX account manually and provided the routing number and checking account number and nevertheless Paypal did not allow it anyway even I already linked the XXXX Bank debit card. I did try it not just one time after I opened new account with XXXX Bank. I attempted to do the same from XXXX account. From XXXX Bank account I was prompted to sign into my Paypal account to link instantly. The message stated that it was successfully linked, and it showed the total balance amount on my Paypal account. But, it did not allow me to transfer money from Paypal to XXXX. It stated that it will take some moments for Paypal to appear on my XXXX account and it never did. I did the same thing XXXX more different times and the same thing happened. The confirmation of success initially appeared every time, but Paypal continues blocking link to my XXXX Bank account preventing me to move my money out of Paypal. I tried again to do the same on my Paypal account. Paypal did not allow the instant linkage. So manually I provided XXXX Bank routing number and account number and Paypal did not allow XXXX Bank to be linked to my Paypal. XXXX Bank is not the first bank that Paypal continues blocking from my Paypal account. How I can end Paypal 's criminal abusive behavior? Paypal management keep everything in the dark and delete from my account our conversations in writing and refuse to provide a transcript of messages. here is no chat available on my account. Paypal lies that messages kept for records for 90 days, when in reality it is not available for access as soon after it disappear from the screen. Paypal does not allow me to put any issue in Resolution center. Paypal does not allow me to operate with my money. Paypal is blocking my money from my actions. | ||||||
| 08/26/2022 | Yes |
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| On XX/XX/XXXX I made a transaction through PayPal to purchase software in the amount of {$2500.00}. Within a few hours I was alerted that the seller was using counterfeit software and I requested a refund. On XX/XX/XXXX they issued a full refund. It was just hours apart that these transactions happened. According to PayPals help info when this type of charge/refund happens close together they try to cancel them out so it doesn't even happen. Even though PayPal could see that a refund was issued they showed the charge as pending on the XXXX, nothing in my bank on the XXXX, ( I assumed they were cancelling out the whole thing ) yet, on the XXXX they withdrew the money from my account. It is now 5 days since the refund was issued and it is not back in my bank account. My phone says that the refund is completed this morning yet there is no refund in my bank! Nothing pending. On PayPal it says it's completed. They tried to say that they paid for it with their money. Here is what they said - '' But if you see, the payment you sent was funded by your bank XXXX, it takes 3-5 business days for bank ACH transactions to reach us, so PayPal provided you with an Instant Payment option, which means PayPal paid your recipient instantly so they got paid right away, and then we are waiting for the funds from your bank. But while we were waiting, you have got the refund from XXXX. So the refund is now in pending status. Once we get the funds from your bank for the initial payment, then the refund which is now in pending status will automatically gets credited back to your bank. As you said the funds were already cleared from your bank, I request you to allow it some time and you will sure get the funds sooner. I appreciate your understanding and patience. Thank you. '' I believe this is confusing to any consumer as they are saying that I chose instant payment option. I just paid an invoice that was sent to me. The payment showed in my bank almost immediately as pending, why is PayPal using their money when the transaction is coming out of my bank? PayPal is holding my money and using it for days without refunding me properly. It has hindered my ability to use these funds to purchase the correct software for my business. And I believe they are purposely holding it back now because I have complained to them. I have used PayPal in the past and I have received refunds much quicker for small amounts. It seems to me that they are holding larger amounts as long as they can. I believe you should investigate how PayPal is operating with refunds etc... Not just for this complaint, but for all the people who use this service. | ||||||
| 07/11/2022 | Yes |
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| I am renting a home in XXXX. I have a friend locally who went to see the home in person and we decided to move forward with the rental. I had to submit a payment to secure the unit - either cash could be given in person ( I send money to my friend to give to them ) or we could try digitally. We decided to send the payment with Paypal to minimize stress for my friend who was local. On the payment confirmation page Paypal said that I was sending, paying and the recipient would " get '' $ XXXX on XX/XX/2022. The recipient confirmed that he did see the payment coming through but there was a significant commission charged by Paypal of over 5 %. Ultimately he was charged XXXX to receive the funds although Paypal 's website very clearly states that the same amount would be paid, sent, and got - for the receiver that was not the case and I am personally responsible for making up the difference. Once the transaction took place it was too late to cancel it. I called to ask if a one-time exception could be made to cover the fees so that the payment would be as it was presented on the confirmation page. They let me know there was nothing they could do to help- they said there isn't an internal team that reviews for UDAAP complaints but they could submit the call for review of potential regulatory violations. I asked what they follow up from that team would be, the manager ( who was supposed to the highest level on the phone ) stated he didn't think there would be customer follow up, but was unsure and didn't have a resource to address to gain clarity. Had I known that the seller would not get or receive the amount I was sending in full I would have chosen a different method to send the funds over to him. I now have to pay additional fees to send the money charged as a fee for the initial transaction. Frustrated feels like an understatement. The only thing DID specify as a reason the recipient may receive less was foreign taxes - however, there was no tax charged, solely a fee from PayPal.. I find the language used on their site to be deceptive and unfair. As a consumer, I've essentially paid Paypal to send money and I'll be in a scenario where I'll have to figure out how to pay my landlord while potentially incurring additional fees as I do it. Had the language and fee breakdown been properly explained I would have not used the service. For me, $ XXXX isn't going to absolutely destroy me, but for someone else it may. My issue is that it is extremely deceptive and pretty unfair to advertise that a recipient is receiving an amount Paypal knew at the time I was initiating the transaction that they would not. | ||||||
| 05/21/2022 | Yes |
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| I had my Venmo account for over a year now and have had no complaints this far. I felt as if I could trust a deposit of my tax refund to my Venmo account as well. As everyone knows taxes this year has been a waiting game and just on XX/XX/XXXX I received my taxes. I owe back rent from while I was struggling at the end of last year and my landlord was patient enough to wait until I received my taxes for payment. I couldnt figure out how to take a large sum of money out without paying atm fees and my landlord is not tech savvy so he would not be downloading Venmo himself. I opened up a bank account in my name locally and after I was notified it was active I decided to make a transfer of funds into my bank account. On XX/XX/XXXX I initiated a transfer of {$2900.00}. I did a standard transfer because I assume it was safest. I still had a balance of just under {$3000.00} in my Venmo account. I waited a few days and on XX/XX/XXXX I realized something was wrong when I couldnt make a purchase with my Venmo card, I looked into it. The app stated my account was frozen. I checked my email and seen in order to reactivate my account I needed to upload a picture of my DL or ID card. I did so promptly. I even called and spoke with an agent and they assured me they received my ID and it would take a few days for a different team to go over my account and unfreeze it. On XX/XX/XXXX I received a different email stating an account specialist went over my case and stated After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. I have been in a loop similar to this with XXXX XXXX card and waited so long to get {$200.00} from them after complaining to the FDIC and XXXX XXXX XXXX. I just received my tax return and for this to happen so quickly after waiting for money on that alone is very frustrating. If I could please get anyone to help me re-activate my Venmo account I would be very grateful. | ||||||
| 03/08/2021 | Yes |
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| I changed my Unemployment direct deposit information to direct deposit my unemployment benefits to my PayPal account. This was the first time I had my unemployment benefits get deposited to PayPal. I had my unemployment benefits deposited into my PayPal account on XX/XX/XXXX. The direct deposit was in the amount of {$230.00}. I opened my PayPal account in XXXX and never used my account until I had my unemployment benefits direct deposited into the account. As soon as I received the direct deposit, PayPal put a limitation on my account. Which prevents me from being able to withdraw the {$230.00}. The reason for the limitation they said, was because they had suspicion my account was being used against their policy. Which is not the case since I did not complete any transactions with the account up until I received the direct deposit. So they requested me to send them a picture of my drivers license which my name and address matches my account. They also wanted a bank statement for the debit card that was attached to my PayPal account. But I was unable to supply the bank statement since i added that card back when I opened my PayPal account in XXXX, and the account has been closed for a couple years now. So I told them they can just delete the card from my PayPal account to help resolve the issue. After I sent them that information, PayPal responded stating they put a permanent limitation on my account and I wont be able to access the {$230.00} that is in my account, for 180 days. They said after the 180 days, they will email me, letting me know how I can go about withdrawing the funds in my account. I am in desperate need of my funds to help feed my family, and every time I try and call them and try to resolve this issue and have them issue me a check for my money in my account, they say there is nothing they can do and I have to wait 180 days and wont tell me exactly why my account is permanently limited. I am willing to provide whatever documentation they need to resolve this issue and withdraw my funds. They should not just be allowed to prevent me from accessing my money for absolutely no reason. And why should I have to wait 180 days to receive my money? I have tried everything to work with PayPal to resolve this issue for weeks, and they are not willing to budge at all or release my funds until after the 180 days. I just want to be able to withdraw my funds, and they have no right to prevent me from accessing my own money. I read online when researching this issue, and they do this to a lot of people, which is not okay, especially during a pandemic when people are in desperate need of money. | ||||||
| 01/09/2019 | Yes |
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| Hello, I recently was a victim of a chargeback fraud and have received little help from Paypal so far. I have asked multiple times for managers to review my case with no success. I only receive generic responses that are continuously copy and pasted back. I would like someone to review the case. I was sent money through friends and family option on Paypal on XX/XX/2018. There were initially 12 transactions total. There were never any goods or services provided. The other person initiated cases within Paypal stating the initial 12 cases were unauthorized. I provided evidence that they were indeed authorized and they meant to send the money with screenshots matching up with the transactions. Paypal ruled in my favor in all of the cases. Roughly 2 weeks later the user repoened the cases again, but with their bank and again stated they were unauthorized. Their bank ultimately came back and ruled in their favor without asking for evidence from myself or even contacting me. There were 7 total transactions that were funded with their bank and were allowed to use chargeback on within Paypal. There was evidence submitted to Paypal when they initially ended the cases in my favor showing proof the other person sent the odd and often similar amounts on purpose. They were not accidental. Paypal charged my account {$20.00} per chargeback ( 7 total for {$140.00} combined ) and also charged me when the second set of cases were opened a sales fee which they charge for goods transactions. I have repeatedly asked for answers from their support team with no success. They only charge a fee for goods sold transactions which we did not use. These were simply a transfer of money through their friends and family option. So in a quick review, I was sent money through Paypal friends and family option with no fees included since there were no goods or services provided. Paypal ended all cases in my favor after receiving the evidence I provided. The other person reopened the cases with their bank and Paypal charged me {$20.00} per chargeback and also added a transaction fee of their own as if goods or services were provided in the transaction. I was the victim of chargeback fraud and even though Paypal sided in my favor on all of the 12 initial cases, they charged me with fees totaling over {$140.00}, took away all the money from those transactions and also will not allow me to take out money from legitimate sales on XXXX where I paid my seller fees accordingly. They are allowing fraud to happen on their site and then charging the people taken advantage of the fees involved. Thank you for your time and help, XXXX | ||||||
| 09/11/2023 | Yes |
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| I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please! | ||||||
| 11/12/2015 | Yes |
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| On XXXX/XXXX/2015 I purchased an item thru XXXX. XXXX withdrew the total amount from my checking account on the same day. This purchase was cancelled over the phone and XXXX credited my account on XXXX. Later on, I decided to purchase the item again and XXXX withdrew the money again on XXXX ... so, the item got PAID and it was received. I do n't know what kind of mess they have between XXXX and XXXX that 2 months later, XXXX billed me for the same item, with interest and late fees. I had never received a bill from XXXX so I called. They kept on transferring calls between XXXX and XXXX without resolving the problem ... XXXX promised to file a dispute, refund PaypalCredit and let me know. I received a second bill with more late charges ( please note, XXXX had already been paid because my checking account was linked to them ). I called again and after speaking with XXXX different people, finally I could talk to a supervisor who reviewed the account and came to the conclusion that if XXXX had paid for the item on XXXX, XXXX should not withdraw the money from my account on XXXX. She promised me that XXXX would refund XXXX, and that I would not owe them anything. I called XXXX and they told me that as soon as they received the money ( {$76.00} ) from XXXX, the account would be closed. A XXXX letter came in with more late charges, the bill was already over {$160.00} and I called them again. After speaking with XXXX or XXXX different people, a supervisor assured me that I would never receive a bill again because the problem had been resolved ; yet, she transferred the call to another XXXX Supervisor who confirmed that I would never receive another bill. At this point, I had already have a nervous breakdown. To my surprise, I received another bill today, XXXX/XXXX/2015 in the amount of {$200.00} ( again with late fees ). This bill is already in the Collections Department. Please note that I received XXXX item and I paid for it ( please see picture attached which is a screenshot from my bank account. Today I called again at XXXX Eastern Standard Time, and at XXXX ( XXXX hours & XXXX mn later ) I was still with them on the phone with both ( XXXX and XXXX, trying to resolve this issue. I spoke with XXXX different people - all of them asked me for my information over and over and over. Now they have all my private information, SS #, my bank information, everything! They kept on transferring the phone between XXXX and XXXX and can not resolve the problem. In the meantime, I am bombarded with bills and late fees for something that has been paid. Please contact them and help me resolve this issue. Thank you. | ||||||
| 09/26/2017 | Yes |
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| To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee. | ||||||
| 03/23/2023 | Yes |
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| Our company needs assistance from PayPal regarding their policies and transaction fees and, after numerous attempts to contact the company and resolve these issues directly, we are requesting the assistance of the CFPB as no other options remain. In the subsequent 3 paragraphs, I will describe the issues we need assistance. 1. What can a merchant do in an instance where a customer, immediately after paying for a PayPal invoice, changes their mind and wants a refund? The logical and easy solution would be to simply issue a full refund but, due to PayPal 's policies of not returning transaction fees, this can't be done. Someone has to lose out on those transaction fees and, especially for a company with larger orders, this is financially significant. Either we have to lose hundreds of dollars for a transaction which may have only been active for a few minutes or we have to give the customer a discounted refund which inevitably leads to problems and disputes. 2. Adjacent to the problem described in paragraph 1 is the issue where a merchant 's client pays for an invoice through PayPal but wants the products they ordered delivered do an address which is different from the address they put on the invoice. In this situation, if the merchant delivers to the address which was put on the invoice, but which the customer now does not want to deliver, the customer is upset. However, if the merchant delivers to an address which is not on the invoice, the merchant sets themself up to automatically lose in the case of a dispute. Again, if the merchant wants to issue a refund so that the invoice can be done again with the correct delivery address, someone ( the merchant or the customer ) automatically needs to lose out on transaction fees because PayPal doesn't refund transaction fees. Finally, addresses on invoices, per PayPal 's policies, can't be changed after the fact and our company has not been given to clear ( or any ) solutions as to how to handle these situations. 3. Is there a way, like with some other payment processors to authorize but not capture a PayPal payment? This way an order and payment could be completed sorted out and confirmed before the capture ( and therefore transaction fees ) would take place. Alternatively, if not, can we have our account configured to return transaction fees so that we are not losing money on transactions which need to be cancelled right away? Similarly, what would happen in a case where someone accidentally sends a payment to a merchant? Someone has to automatically lose transaction fees? Please assist us in getting competent guidance for these issues. | ||||||
| 09/16/2023 | Yes |
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| On XXXX I was talked into adopting a tortoise through XXXX. I agreed to pay the shipping charges only. The XXXX Site called " XXXX XXXX '' agreed and promised they would send me the tracking # for the Rescued Tortoise " who needed a home '' and it would arrive on XXXX. They wanted me to send {$40.00} via Paypal to a specific Email address, stating it was his " wife 's '' email address. I sent {$40.00}, and the transaction added {$2.00} ( charging me {$42.00} ), so I know that is a foreign transaction. He had told me he was in Florida, sent me pics of the tortoise, etc. He then asked me to send more money to 2 different email addresses that had XXXX lettering and I asked if he was in America, he became offended. He said I had to send an addition {$50.00} because the tortoise needed a XXXX XXXX. He said he was at XXXX XXXX and going to do the XXXX XXXX while there. At a point after I had unfortunately initiated the {$40.00} payment to ship the rescued tortoise, I told him I felt uncomfortable with the entire transactions and to refund my {$42.00} as it seemed fraudulent and nothing made sense. He again promised the tortoise would arrive and he'd send the Tracking #. Instead, he never sent the XXXX XXXX tracking # or the XXXX. That same night ( XXXX ) he blocked the Messaging on XXXX and removed his XXXX XXXX called " XXXX XXXX ''. I reached out to Paypal on XXXX after I realized I was completely scammed and told them not to pay this as it was a Scam. They paid it the next day ( XXXX ) anyway, and the {$42.00} came out of one of my XXXX XXXX XXXX that I have NEVER used to make purchases. I only use my Credit Card which takes the money from my regular Checking ; or use my regular checking account. I made a complaint to XXXX ( my bank ) asking them to help, but they said Paypal has to handle it. I have sent additional notes to Paypal, as well as the person " XXXX XXXX '' ( the name of the person that is assigned the email address I sent the money per the request of " XXXX XXXX '' on XXXX ). Paypal 's response is- They will respond by XXXX which is over a month away. I sent a message to XXXX XXXX ( the recipient ) telling her to refund the {$42.00} received but she did not respond on Paypal, and blocked me from sending further messages on Paypal. Can you help me with this? Paypal should have stopped this immediately on XXXX, as I did contact them prior to them sending my money once I realized I was scammed. I have the entire XXXX XXXX that took place between me and the site called XXXX XXXX, before they blocked messages and removed their XXXX XXXX. Thank you for your help | ||||||
| 12/03/2019 | Yes |
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Web | Servicemember |
| I have sold a plasma cutting welding machine on XXXX. The transaction payment did not show up in my Paypal account. After spending a lengthy amount of time on the phone with the Paypal representative, they were able to show the money posted to my PayPal account although it was/is held by Paypal. Paypal would not even release the shipping portion of the funds to ship the item. I had to use personal funds to ship the item. The representative informed me that the funds would be released to me once the item was received by the purchaser. The item has been shipped as described to the delivery address provided by the purchaser and satisfactorily delivered. In the interim the PayPal automated system asked for a copy of my driver 's license, shipping documents and original purchase receipts which I have provided. Upon logging onto my account today I have discovered that PayPal has my account locked stating that " You can't use PayPal Anymore '' and that any money in my balance will be held for 180 days. I called again and waited for a pay-pal representative ( XXXX, employee number XXXX ) who informed my that PayPal could not provide me with information as to the account closure would not provide me with any phone number or email of any responsible party who could. I was informed that my only recourse is to submit a written request to their corporate office via post to XXXX XXXX, CA XXXX. XXXX has since charged me for XXXX dollars ( 10 % of the {$4000.00} sale item ), PayPal has charged me for their fees and I have had to pay shipping since paypal is also holding the paid shipping charges. I understand the need for a new PayPal account user to wait for the item to be delivered in order to receive their money since a new account needs to be substantiated to help circumvent fraud. However, my account has been in good standing for over 15 years. The fact that Pay-Pal is withholding my money, refuses to give reasonable avenues to rectify the situation all while making interest on the float for countless transactions is criminal. These are racketeering practices by definition. PayPal needs to be held to Security and Exchange commission standards and provide adequate customer support if they are to be engaged in their business. Furthermore PayPal 's affiliates ( XXXX ) should not be able to withdraw sale item funds from a seller 's personal account until payment for the item has been justly placed in the seller 's account. I look forward to your help in handling this matter but more importantly resolving the larger issue at hand and protecting innocent consumers from Pay Pals unjust actions. | ||||||
| 12/06/2022 | Yes |
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Web | Servicemember |
| On XX/XX/22 my bank notified me that PayPal had a XXXX transaction of {$2900.00} that was going to be transferred. I called PayPal and a representative got on the phone to assist me with the fraud. He asked to take over my computer to do so. He then accessed our log in information to log into my bank, transferred {$7000.00} from our savings account to our checking account. From there, he opened a XXXX account and transferred {$1800.00} to an XXXX XXXX XXXX from our checking account. When I looked at our bank 's app and saw this, I hung up and called our bank to file fraud. My bank stated that XXXX verified my identity using my name, address, email, phone number, date of birth, and SSN through XXXX. They also verified he swiped my debit card which was verified by XXXX via XXXX on XX/XX/22. I called XXXX the next day and was told by their fraud department that my identity was used for the {$1800.00} transaction, and it's not refundable. My husband called PayPal on XX/XX/22 to close the account but was told it needed to remain open for 30 days for investigation into the over XXXX plus transactions. Our PayPal login was changed, so I recovered our account and set up a new password on XX/XX/22. I noticed that not only our checking account was listed on our PayPal account, but also our savings and XXXX XXXX XXXX numbers the fraudster got off our bank 's log in. On XX/XX/22, I deleted all of our accounts from PayPal, and I've called PayPal multiple times to close the account, but it's still open and we're receiving emails from PayPal and XXXX. I filed a police report XX/XX/22 and followed up on XX/XX/22, we have done credit freezes and watches on XX/XX/22, purchased a new hard drive on XX/XX/22, changed passwords, purchased XXXX XXXX on XX/XX/22, and I've filed an Identity Theft Report on FTC 's website on XX/XX/22 and updated on XX/XX/22. On XX/XX/22, I wasn't able to log in my bank account, so I had to recover my account and change the username, password, PIN, and security questions. We've filed 3 appeals to our bank to be reimbursed but have been unsuccessful since XXXX stated, " the listed transactions are not fraudulent. '' I've written PayPal and XXXX to close the accounts, and from XXXX to be reimbursed the {$1800.00}, but they submitted a letter to my bank saying, " The customer claims she did not authorize this transaction ; however, we were able to verify the customer 's information to prove her participation in the disputed transaction. '' PayPal has responded to report email scams to them but overlooked the XXXX plus fraudulent transactions and neglected to close our account. | ||||||
| 12/18/2019 | Yes |
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Web | Servicemember |
| On XX/XX/2019, a friend transferred {$250.00} ( USD ) to my paypal account from her XXXX XXXX Visa Debit Card for a private event. She paid a {$7.00} transaction fee, totaling {$250.00}. When I logged in to Paypal, it showed my currency as Euro, even though I am not now nor have I ever been a citizen of the XXXX or lived in XXXX. I have always been an American citizen and have always banked with U.S. based financial institutions. My linked accounts in PayPal has remained the same U.S. based financial institution. My PayPal account shows XXXX Euro were transferred in this transaction, which converts to ~ {$240.00} USD, a {$10.00} difference of what was actually sent. There is no explanation on the {$10.00} discrepancy. So I contacted support to find out why Euros were showing in my account, if they could correct this and to correct the {$10.00} discrepancy. My fist contact to support was on XX/XX/2019 through their message center. A series of messages were sent in which multiple representatives were involved and were providing inconsistent and largely incorrect information on how to resolve this. It was clear a phone call would be necessary. On XX/XX/2019, I called support about my problem, after about 30 mins on hold, my call was disconnected and nothing was resolved. On XX/XX/2019, I called support again and spoke with a representative who identified herself as XXXX. On this call, XXXX informed me that the currency was being converted to Euro and a conversion fee was being charged, even though the additional fee was not detailed anywhere in my or the recipient 's transaction. I explained to her that this transaction originated in USD from a U.S. based bank account and was being transferred in USD to another U.S. based bank account, both the sender and recipient are American citizens and we both live in XXXX XXXX, CA. Yet she repeated the same information. When I asked to speak to a supervisor-a request I kept insisting on for about 20 mins, she refused to transfer me over to someone continuously stating they were all occupied and instead instructed me to read PayPal 's terms and conditions ( T & C ). When I asked her to point me to the T & Cs that specifically detailed this situation, she was unable to give a precise location. After being on the call for 40mins, it was clear nothing was getting resolved through support and she would not forward me to a supervisor, so I got off the phone call. Unfortunately, I am now left without a resolution after spending several hours trying to resolve this issue and lack of trust in PayPal 's support infrastructure to resolve this. | ||||||
| 07/27/2019 | Yes |
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| From XX/XX/XXXX-XX/XX/XXXX of 2019, I was overcharged by Venmo for unauthorized charges. I have attempted to contact Venmo on multiple occasions. I have filled disputes with them, and they have denied the claims. In their last email response to me on XX/XX/XXXX, they stated " After re-investigating the account, we are still unable to honor this claim because when you first filed this claim, you stated the transactions were unauthorized and you did not authorize any of these payments to the merchant and also had your debit card closed and answered the questionnaire for unauthorized transactions. These are steps that are taken anytime an unauthorized transaction is reported. Now you are stating the transactions were authorized but have since either been canceled or you have not received the items. Based on the inconsistent information provided throughout this case, we are still unable to honor this claim. '' They are refusing to fully investigate my claim because they are stating that I changed my story/reason for the overcharges. This is not accurate. The Venmo represented who filed the claim, after listening to me explain what happened, suggested that I frame the claim that way. I did only what the Venmo representative suggested. Further, when I called back to Venmo, the agent stated that " I do not know why the denied the claim. It seems they coded it wrong in the system, I will send them a note. '' A day letter, they denied the claim again. This issue started when I got a Venmo debit card. The way the card works, if I charge on the card {$18.00} for gas, Venmo will round up and take {$20.00} out of your account and put the balance in your Venmo balance. BetweenXX/XX/XXXX-XX/XX/XXXX, I used the card extensively to track my business purchases ( at least 500 transactions, if not more ). When I used the card to book rideshare rides with ( XXXX, XXXX, XXXX ) those merchants pre-authorize your card for the estimated cost. So if I booked a ride with XXXX, they would say the cost is going to be {$6.00} and they would preauthorize this on the card. Venmo would then take {$10.00} out of my account immediately. However, if I canceled the ride or didn't take the ride for some reason, the money has already been pulled out of my account, but it wasn't put back into the wallet. THis happened to me on numerous occasions. I documented all of the times I was overcharged and attempted to file a claim for reimbursement. As of today, I can not use my Venmo card and I owe them for the provisional credits that they gave me. Their team has been incredibly unhelpful, and I need your assistance. | ||||||
| 11/08/2023 | Yes |
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| On XX/XX/XXXX PayPal put a hold on our account. There was no prior notification, I just logged in the hold was there. There was around XXXX in the account that I needed to transfer over into our business account. These funds were partially to be used for payroll on XX/XX/XXXX. I ended up borrowing to meet my payroll as these funds were not made available until after that date. I complained to the XXXX and to PayPal and explained that they were failing in their fiduciary responsibilities as a payment processor for our business. We have used PayPal for our business since XXXX. We have had XXXX chargebacks in all of that time. Both times were to XXXX a XXXX management company. They pay their invoice with a virtual card and we refund them XXXX XXXX of the invoice ( before sales tax ). A different employee processed the payment and forgot to process the refund. I finally got access to those funds from XXXX and we have been working on finding a different processor. We actually have XXXX, but were not going to make the switch until a later date. Today, XX/XX/XXXX I logged on and my account is again flagged and again I am being asked to provide information on my business. I just did this XXXX months ago and now my money is held up by them. If you go to their XXXX page, you'll see numerous complaints about having the same problems. It seems as if PayPal is randomly holding business money. I called and spoke to a manager who said they couldn't do anything and the only way to receive my funds was to send the requested information. They are requesting invoices for certain charges, which is an simple matter. However, they also want receipts for each item on the invoice ( we are an automotive repair shop ). On one invoice I couldn't send all receipts for items billed because they only allow XXXX uploads and I had more than that. I again have payroll next XXXX and can not access my funds. I have had scam invoices sent to my business and PayPal says they are aware and can't remove it, but they can keep me from accessing my own funds for days, without explanation. The manager I spoke with said they understood my frustration since its only been XXXX months, but they could not override and allow me access I had to provide the requested information. It is frustrating to say the least that this company says they support small businesses, yet make it more difficult to access funds our business has already earned! These funds were paid to MY shop for work we have done. PayPal is simply the processor who gets a percentage of those payments for processing the cards for us, yet they keep doing this. | ||||||
| 05/08/2023 | Yes |
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| On XX/XX/XXXX, I was involved in a scam where a caller told me they were the XXXX XXXX XXXX XXXX, warrant division and that I had a warrant out for my arrest due to a missed jury summons. I was put under a gag order and told that I had to pay {$2500.00} for the two citations ( {$5000.00} total ) and that it could not be paid through a debit or credit card. I paid the person through Venmo. They then told me I owed another {$2500.00}, at which point my fiancee told me that this was probably a scam and I needed to verify who I was talking to. I did not pay them the extra {$2500.00}, and I was able to get a stop payment with my bank and received the funds back. However, Venmo fronted the {$5000.00} to the account and is now telling me that I owe them {$5000.00}. I filed my initial claim with them on the XXXX about the initial dispute, and they denied it. I filled an appeal to the dispute on the XXXX, which was filed as an unauthorized transaction. On XX/XX/XXXX, that claim was denied saying they did not locate evidence of unauthorized access to my Venmo account. On XX/XX/XXXX, I filled a police report after having tried on XX/XX/XXXX and being told to file a complaint with the FBI ( which was done ) and filled the report for the scam. Spoke with Venmo on the XXXX where another representative told me that the claim should have been filed under their scam disputes and put in a new claim. On XX/XX/XXXX, I received another email from Venmo, from the same account specialist as before that my unauthorized transaction was denied and I called Venmo support because it was not supposed to be filled under unauthorized transaction. Venmo support stated that the ticket for the scam claim was still open, but that specialist was still attached. On XX/XX/XXXX I received an email that does not properly word that they were denying my scam claim, stating that they are unable to discuss the specifics due to their privacy policy. They claim that since I filed a chargeback from my bank, that my account will be frozen until I pay the {$5000.00}. The wording of the email was difficult to grasp if they were denying the claim, so I called Venmo support again, only to be told the the claim should have only been filed under unauthorized transaction. So a claim was filed again and then denied yet again as of XX/XX/XXXX due to the same device being used for previous payments. I was able to email back that account specialist and received an email back that stated they were sorry to hear that I was a victim of a scam. When I emailed again, stating that I needed to know how to move forward, they did not respond. | ||||||
| 08/31/2020 | Yes |
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| On Saturday XX/XX/XXXX I logged into PayPal and discovered an unauthorized pending transfer from my linked bank account to the PayPal Cash account. Someone had also changed the default language so I couldn't easily navigate the problems, and they changed the default telephone number. I attempted to delete my credit cards and bank account from their system, but once I had reported the fraud I was unable to make any changes. There is currently no live phone support, even for *in progress fraud* at PayPal. While I discovered this pending {$1000.00} theft attempt, I tried unsuccessfully to reach anyone at PayPal who could help. As a result, {$1000.00} was stolen from my bank account that day. The chat support was completely ineffective ; I spent *five hours* on Saturday trying to explain the problem to multiple chat reps, but each response took between 15 minutes to two hours to get someone to respond, and each person who responded was unaware of the issues described in the ongoing thread so I had to re-explain and ask the same questions to each person, all without a resolution. While the fraudulent transfer was still pending I put a stop payment for PayPal transactions with my bank, but the thieves changed their name so the transfer wasn't recognized and stopped by my bank. This could have been avoided if someone at PayPal could have helped me on Saturday. I can not delete my PayPal account because there is an active fraud investigation now, so my account is vulnerable and there is no one out there to help. Yesterday I received an automated message from PayPal that the money was refunded to my account, but it didn't solve my problem trying to delete my credit cards and the fraudulent phone number. Because I had put a stop payment request at my bank I needed to contact PayPal again to work out an alternative to the refund transfer, because my bank won't accept it. The money is still not returned to me. Today I spent 3 1/2 hours on chat support again, with the same outcome ; no resolution. Conflicting answers about what will happen to the money when the refund goes through, no answers to the problem deleting my credit cards or the fraudulent telephone number from their system. ***Their lack of technical support constitutes complicity in this fraud because it was avoidable if they had just answered their phone. Their outgoing phone messages all refer to COVID as a reason for their inability to help, but they are a multibillion dollar company- after seven months of pandemic I believe they could have figured out by now how to forward calls to an employee working from home. | ||||||
| 03/30/2020 | Yes |
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| On XX/XX/XXXX I had a customer file a false dispute on a dress she bought from me. Paypal immediately took {$120.00} from my account within MINUTES of the report and demanded I pay them to bring the account to a positive balance. I did so and complained about the process.. They ignored me. I provided numerous screenshots proving tears and condition were disclosed on the listing, in images AND on the invoice. I also stated that I believed the customer had her daughter wear the dress in a pageant and then filed a false report because she admitted her daughter wore the dress to the pageant. This was all provided through the official resolution center and recorded as a response. Paypal ignored my screenshots and stated they refunded her anyway. I reached out and asked why after I provided evidence. They said they didn't get the screenshots and didn't ask me for them because they didn't 'think ' to do so. But I could appeal when I received the dress back. The customer was permitted to return the dress she used. Then Paypal deducted ANOTHER {$120.00} from my account today XX/XX/2020. Recall : I already paid for the {$120.00} on XX/XX/XXXX. I also received an email from them stating the reason they found in favor of the customer was because I didn't respond to the claim. This is false. I replied to the claim and they admitted it. I replied to the email and got an automated reply to message through the resolution center. I messaged in and waited three hours on chat for a reply. XXXX stated Paypal acknowledges the summary was not correct but refused to send a corrected statement summarizing the dispute. I asked why I paid twice and he refused to provide an accounting or explanation saying " it just looks that way '' I asked for a manager. He refused to send me to one. I asked to be called. He said Paypal won't call their customers. I asked for the chat to be transferred. He refused. I informed him I'd be filing this complaint, he said " feel free '' Paypal has intentionally created false records and is refusing to correct them. These records are critical to my recourse against the lying consumer, my business history with Paypal and my personal records. They are required by law to provide factual summaries. They are required by law to provide accurate accounting on disputes and transactions. Paypal did neither and then refused to do so when asked. Paypal refused to escalate the matter. I would like a corrected case summary sent to me and I would like a full accounting and explanation as to why the {$120.00} was taken twice from my account. | ||||||
| 12/28/2022 | Yes |
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Web | Servicemember |
| This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear PayPal and PayPal Credit : Both should be responding this complaint and one should not be without the other for this issue or matter is in nature to a disputed filed and submitted in a timely manner in which they failed to do anything about it as I have produced and provided them with all timely related records and communication until the point that I will not continue to do any further business with either party until they can show me that I received what they are trying to charge me for or hold me full responsibility for. PayPal Credit knows that I notified both parties PayPal and PayPal Credit and I rebuttal and disputed this charge that is on my statement. I am only going to pay for only merchandise that I have received point blank and in accordance with the Federal Debt Collection Act that is only what I am going to do. Therefore, PayPal Credit has no reason to contact me any further because I don't have a debt with their office or their account. Show me what I am being charged for that you think you can add interest and late charges on. Claiming that a timely filed dispute by the consumer did not work out in such consumer favor is bogus when the consumer notified the creditor for the credit to immediately notify the merchant and request the merchant to produce the product which you are trying to make the consumer be responsible for and the merchant can not produce the software or software package under warranty which such charge is supposed to be legit. I don't pay for anything that I never received and if they allowed it to go on or go through it is the merchant or credit institution 's duty and responsibility to address, deal with, and correct it. This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks, XXXX XXXX XXXX : Consumer Financial Protection Bureau | ||||||
| 08/06/2018 | Yes |
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| Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. Shortly thereafter they closed her acct, trying to freeze the funds that were in it. I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? The federal government should not let PayPal get away with the things they do ( just XXXX consumers complaints about their practices ) and need to start demanding answers. | ||||||
| 08/27/2023 | Yes |
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| Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX XXXX XXXX we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. Sincerely, XXXX XXXX | ||||||
| 05/22/2021 | Yes |
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| On XX/XX/2021, I recieved an email from paypal, telling me my account is temporarily limited, and that they need me to take action sending some documents, ( I want to clarify thet I sent everything they asked for at the beggining, and that my account was up to date ) I inmediatly got to it and sent everything they asked for and took all the actions that they required me to do. At paypal webpage, there's a red flagged message that tells me I need to take action, I clicked on it, there were two buttons, that said resolve in front of each action, the first one was uploading the documents, and the second one said " Confirm your information '' I sent the documents en clicked on resolve, then I clicked on the second resolve button " confirm your information '' The page sent me to a message page that said that they are gon na take up to 10 days to check the info and make a resolution. A month passed by and I kept recieving the redflaged message, and whan I click on it it takes me to same same page where one resolve button is activated ( as if it's completed ) and the other one that says confirm your information, was still active, when I cliked on it, the same thing happened, it sent me to the message that says they are gon na look into it. I tried to contact them in many ways, I even chated with to a couple of costumer service people that couldn't help me at all, they were evasive with their answers. Its been 2 months now, and my account is limited, I can't use my money, and they keep sending me emails telling me to take action, I sent everything again, and there's no answer, there's one change now, when I click on the resolve button ( confirm your information ) it redirects me to a message that says that the problem is solved and that my account is back to normal, wich is not! It's still limited and the red flagged message keeps on showing and asking me to take action, when I click on it the only option avaible is to confirm my info, and when I click on it it says everything is back to normal. This redflagged message in my paypal 's dashboard keeps saying that they are gon na limit my account even further on XX/XX/XXXX, if I don't send the documents that I have allready send 2 months ago. There's no response from them, they keep telling me that they've escalated my concern, but they won't fix the problem. It's like a system glitch that got stuck in a loophole, that paypal doesn't wan na fix. I have lost lost of services and others because of this situation, our work is affected directly by this negligence from paypal. I want my account back to normal and acces to my money. | ||||||
| 03/15/2019 | Yes |
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| I accidentally sent a transaction to the wrong friend 's account. Once I realized the mistake ( a few minutes later ), I asked him to send it back. He told me the money was not in the account. I contacted XXXX to ask them to reverse the transaction. They told me they needed my friend 's permission since my transfer went to an " active account. '' My friend contacted XXXX while I was talking with XXXX and gave them permission to reverse the transaction. XXXX explained to my friend that his account was " frozen '' due to a negative balance as a result of prior transactions that XXXX could not recover from his bank. XXXX 's payment system " automatically '' applied my payment to my friend to his debt being held with XXXX. I've called XXXX to ask them to credit my account and revise my friend 's balance with them, which would make things right between all parties involved. XXXX REFUSED. I escalated to a supervisor twice and each time XXXX 's representatives told me my only recourse was to hound my friend in person or outside of XXXX 's service to get reimbursed. I find it unacceptable that XXXX has no process in place to protect users of its services from mistakes or human error, or that they could contemplate running a payment service transacting in billions of dollars per year with absolutely no mechanism to reverse incorrect or otherwise misplaced transactions. I've paid XXXX for their services and have an account in good standing and I think I should be entitled to some process or claims procedure to have my money reimbursed. XXXX can still pursue debt collection of my friend in any way they see fit, but " automatically '' applying payments received by an " active '' but " frozen '' account and then claiming to have no way whatsoever ( I asked specifically for a room of humans to get involved and make a decision and they said no ) to reverse the transaction is unacceptable. On top of that, I suspect this practice violates a number of debt collection laws. My friend attests that he was never made aware of XXXX 's holding of a negative account balance against him. When he logs in to his account, it displays {$0.00} and not a negative amount. XXXX representatives told me it was a common practice to take any deposits coming into an account and apply it to negative balances held first. I said that this is not the same as my friend making a deposit on a power bill in arrears. They took my money and used it to pay down my friend 's debt, all without me or my friend knowing!! That has to be violative of a number of rules and regulations, and if it isn't, IT SHOULD BE! | ||||||
| 08/29/2021 | Yes |
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| PayPal Holdings Inc. I had been a customer of PayPal Inc for a couple years as a business account. I had several issues about PayPal 's account limitations and account freezing but I was able to solve those issues by identifying myself. I owned a shop called XXXX XXXX for XXXX albums overseas. On XX/XX/XXXX, I received a call from PayPal asking me too much information about my business such as : 1. How much sales do you get per year? 2. Who are your suppliers? 3. How long you been in business My suppliers don't need to be exposed because it can be used against them. They didn't like my answers and told me they will limit my account until I provide the following items 1. Proof of Fullfilment ( Which I gave ) 2. Supplier 's information ( That's none of their business ) 3. Business information ( I gave them what is public use ) PayPal Inc limited my account, took {$560.00} to place on reserve because they said this : " PayPal is holding a reserve of {$560.00} of your existing funds. This is to ensure your PayPal balance is large enough to cover any disputes or refunds you need to address. Your money will be released based on your account performance. '' It's XX/XX/XXXX and there has been no chargebacks, no refund reports, and thanks to them, I had to shut down my XXXX account because they prevented me from refunding the money they took as a reserve. I reported them to the XXXX and they told me I have a balance of {$500.00} that is due on a linked account I have no idea about. They refuse to release my funds until I send them a check. I shouldn't have to use my own money to pay them when they are reserving {$560.00} already on my actual PayPal account. PayPal is not a bank. They shouldn't have a right to hold funds. After several months in XXXX, XXXX announced a tour was cancelled and they said I will receive a refund in my original payment, which was the PayPal Debit Mastercard, but PayPal closed it. I want to withdraw the money I earned on my own before they take it from me. PayPal 's representatives are horrific. They reply the same messages on XXXX and XXXX. I can not express how terrible they are and how they are hurting small businesses and customers alike. I demand they release these funds and use it to pay the balance that a linked account is supposedly owed. Secondly, I want them to remove my account from limited status so I can withdraw my XXXX refund when it arrives to PayPal and permanently close my account. They held my account XXXX for too long and I just want my money back I waited since XX/XX/XXXX, which was the worst time called COVID-19 pandemic. | ||||||
| 05/04/2016 | Yes |
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| This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal. | ||||||
| 11/02/2018 | Yes |
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| XX/XX/XXXX - Requested PayPal to transfer my {$490.00} balance to my XXXX XXXX XXXX ( XXXX ) Checking Account. XX/XX/XXXX - After a week I noticed the funds weren't available in my XXXX account. Usually they arrive after 3-business days. I contact PayPal support online. XX/XX/XXXX - PayPal responds that my bank should have posted it by XX/XX/XXXX and asked me to wait for XX/XX/XXXX and if its not available they will initiate a withdrawal trace. I also email my banker at XXXX to have him look into things on their end. XX/XX/XXXX - XXXX ACH Manager confirms they show no signs of this transfer and request that I get an ACH tracer number from PayPal. I email back to PayPal and let them know it hasn't appeared in my checking and ask for the ACH tracer number. XX/XX/XXXX - PayPal replies with a 9-digit tracer number to provider to XXXX. I provide this to XXXX who can not track with the 9-digit number and say that tracing numbers are typically 15-digits long. I call PayPal and after an hour on the phone they tell me the 9-digit number is a case number and the tracking will be emailed to me as it will take them 48-hours to obtain. XX/XX/XXXX - I reach out to PayPal again to follow up on the 15-digit number. XX/XX/XXXX - PayPal responds and asks for another 72-hours to get the 15-digit tracer number. XX/XX/XXXX - PayPal responds that they shows XXXX accepted the ACH transfer that was made but provide no tracer number. I reply again that I'm pending a 15-digit tracer number from them. XX/XX/XXXX - PayPal again replies with the same 9-digit tracer number. I call and spend 90-minutes on the phone with them and finally escalate to a Manager who tells me that they had a global system issue from XXXX where several ACH transfers failed and that I must've been affected by this. He tells me that the funds will be in my XXXX XXXX automatically on XXXX. He offers in the meantime a {$490.00} credit which I could then transfer to my XXXX account in the meantime and I decline because that temporary credit would be withdrawn from my account on XXXX and I didn't trust them to have this fix. I was smart to do this. XX/XX/XXXX - Funds still not showing up in my XXXX account. I spend another 90-minutes on the phone with 4 different people from PayPal ( manager level highest level of customer service reached ). I'm offered an employee ID and told all calls are recorded but no issue or tracking number for this " global issue ''. I'm told that I need to be patient and just wait. I'm told they have no ETA on when this will be fixed or when I'll see the funds but they ask for my patience. | ||||||
| 10/05/2023 | Yes |
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| On XX/XX/XXXX, a merchant in the XXXX XXXX ( XXXX ) issued a credit in the amount of {$280.00} via PayPal to my XXXX XXXX credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX. XXXX initiated this refund because one of the items in the order turned out to be defective and it was still under warranty. PayPal received the refund from XXXX on XX/XX/XXXX. PayPal claims that the issuer ( XXXX ) received the refund on XX/XX/XXXX. Unfortunately, I never received the money. For months I worked with both XXXX and PayPal to sort out this situation. PayPal insisted that the refund had been successful and that the problem was with the issuer. At the same time, XXXX equally insisted that they did not receive the money from PayPal. The attached information contains the following : Screenshots from my PayPal account showing the refund Three different emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in which PayPal provided the trace number XXXX and laid all responsibility on the issuer Letter sent by XXXX on XX/XX/XXXX stating that they were unable to locate the refund. Given that I was unclear on where the issue laid ( did PayPal not send the money? Did XXXX not receive it? ), and the only universal irrefutable truth was that my money was missing, on XX/XX/XXXX, I opened complaint XXXX against XXXX with the CFPB. On XX/XX/XXXX XXXX provided this official response to the CFPB : Thank you for your patience while we reviewed your account. We have no record of receiving a credit for {$280.00} from XXXX. Due to the time that has passed since the original charge took place, we are unable to assist you further with this matter. The charge is now past timeframe to dispute {$280.00} of the {$350.00} purchase with XXXX from XX/XX/XXXX. We confirmed that when you initially contacted us about this matter earlier this year the charge was past the dispute timeframe at that time as well. We encourage you to work with PayPal, the merchant or seek other options outside the dispute process to obtain a credit. You may want to request that they issue the refund to you by a different method such as a check. Thank you for your feedback. We have forwarded your feedback about your experience in contacting us about this matter to the appropriate parties for further review. Given that now XXXX confirmed definitely that refund with trace number XXXX was never received, it is proven that PayPal is the entity at fault. As a result, I demand that PayPal funds my PayPal account XXXX with a balance equal to the missing refund : {$280.00} or mails me a check for this amount. | ||||||
| 09/29/2018 | Yes |
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| I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX. | ||||||
| 04/18/2020 | Yes |
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| This involves a fraudulent sale ( scam ) enabled by PayPal. My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and PayPal. He then arranged for XXXX to ship them from my location in California. They were allowed to ship shortly after the payment cleared PayPal ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by PayPal until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. PayPal notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, PayPal informed me that the Buyers bank/ credit card company had sided with Buyer and my PayPal account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the PayPal Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the PayPal collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called PayPal collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. PayPal refuses to either pursue a remedy with, or release the name of the institution used by Buyer. PayPal, acting in bad-faith, has apparently washed its hands of this matter. Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. Additionally, I have filed a Police Report regarding this fraudulent sale ( theft ). | ||||||
| 04/15/2015 | Yes |
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| We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit. | ||||||
| 12/28/2019 | Yes |
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| Over the internet I sold property to an unknown individual for USD using PayPal to accept the funds. I have used PayPal before and other online wallets or accounts and understand there sometimes holds or a pending status and felt comfortable of using it. So taking that into account when the unknown individual sent the money I made sure it was in my account but also with no hold or pending status. after feeling comfortable about that and thought the money was mine I sent the property to the individual and had no way of getting it back. about an hour later to my surprise paypal took the money out of my account and sent it back to the buyer claiming it was an unauthorized transaction and they did a " full investigation '' ( within one hour and not one question for me ) I have tried to talk to them with no solution because they wont accept responsibility meanwhile I have a negative balance for months now which is killing my credit score which was perfect before. I will never use paypal again. I can not understand how they can just take your money and send it back at anytime. It was my understanding that money was mine in my account with no hold or pending status. I understand that this was a scam now but the bigger problem is it's going to happen again and again because paypal is facilitating this behavior. So lets just say the account the money was sent from to my account was hacked which is possible but I don't believe it because of the amazing turn around time but lets just say ok that transaction was unauthorized but who should pay for it. ME! no, there has to be some kind of accountability here and I can't account for money unexpectedly coming out of my account any time or any day. But if paypal or any bank or online wallet wants be able to send money back to an account for what ever reason there has to be a status for that money like on hold of pending with a time frame whatever they want it to be whether its a day, month or year. PayPal claims they have fraud protection, that is a joke. I asked about this and was told it was a family and friends transaction which I had no idea. I did not send the money to select that option and did not speak to the buyer about it at all it was a surprise to me. So theirs no fraud protection, just paves the way for fraud. Sounds like XXXX XXXX old ways since there recent admission of guilt that it violated U.S. lawsThe Bank Secrecy Act and anti-fraud statutesby processing hundreds of thousands of transactions for XXXX XXXX agents and others involved in an international consumer fraud scheme and agreed to forfeit {$580.00} XXXX. | ||||||
| 08/20/2019 | Yes |
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| I recently sold a pair of XXXX Sneakers to a buyer located in MI on XX/XX/XXXX for a total of $XXXX through the website XXXX, Payments were sent through the company PayPal. After both companies took their share of the sale I was left to get paid a sum of $XXXX to my PayPal account where I would be able to transfer the money to a bank account to retrieve it. PayPal has a policy that the company holds all payments until 24 hours after they can confirm items delivery, meaning since my item was delivered XX/XX/XXXX at XXXX I should be able to access the fundsXX/XX/XXXXat the same time but this was not the case. I then contacted PayPal & was able to get to speak to a manager named XXXX where she was able to release my funds from a hold they had over the money. I then tried to transfer the funds to a bank account linked to my PayPal account but the company did not accommodate a instant transaction as which was selected & my money was placed back on a hold for no reason for 72 hours as a employee told me over the phone, I then was able to reach another manager named XXXX where he mentioned It was a system glitch & I would be able to get my money out at a local XXXX. I then drove to XXXX only to get told by a customer service representative that I could not receive my money & that it was on PayPals end why I could not. I then called PayPal to explain the matter to where I was being hung up on over & over when trying to reach another supervisor. Eventually I was able to reach another supervisor by the name of XXXX, where he gave me the run around saying my account was limited & that it raised suspicion to their security system to which he replied if I sent them a picture of my Identification I would be able to get my account back in good standing to get my money. I did everything I was told & sent him the picture to where he said he would personally lift the hold on my account & I would be able to go to XXXX to access my money since he suggested he wouldn’t try a bank transfer. I then attempted to take money out at XXXX but still the same issue arises. I am now left with no options seeing as though I am unable to get anyone from the company employees/supervisors that can tell me why I am unable to receive MY money. I now just have a account that says I have money their I can use when in actuality I am unable to do anything with it. After searching this very matter online I seen so many other complaints with the same matter to where I think now the company is committing fraud & holding peoples money doing whoever knows with it. This is a disgrace & highly unacceptable. | ||||||
| 08/27/2018 | Yes |
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| Paypal has me on a 60 day " new account '' status. That status expired around the XXXX of XXXX. They hold every payment received ( past 75 days roughly ) for up to 21 days and make my customers mark payments as " received '' every time in order to receive funds sooner. In addition, when I do receive the funds, they often times try to place a hold of 24-72 hours to withdrawal the funds " instantly '' -- I have 2 debit cards attached and they offer this option to anyone including me depending on how their computers feel that day. I am spending more for life expenses because I have to pay with Paypal instead of cash or with my own debit card. Not to mention {$.00} per transaction that I do to withdraw funds because they don't let over {$90.00} go in one transaction ever. XXXX says there are no holds or security issues with my account. She has failed to transfer me to a manager, although she says she's a manager. They offer many excuses why things don't work, including general problems affecting all accounts for withdrawals, XXXX cards delaying withdrawals, etc. This has gone on Since XX/XX/2018 roughly. I have complied with all their rules including doing 5 transactions, including {$150.00} in funds sent/received, and waited 60 days. As of right now at XXXX, I am unable to withdraw {$1.00} from money received 2 1/2 hours ago. Those funds were released by the customer immediately. I'm on hold now for maybe 60 minutes waiting for " XXXX '' to come back. I'm on this call XXXX minutes as of right now. Paypal can not explain nor correct the issues 1 ) not placing ALL received payments in the " pending balance '' subject to up to 21 days to release and b ) making funds available consistently and fairly for instant withdraw as any other customer can do. They offer no explanation and offer no solutions. They are discriminating against me for some unknown reason. I am ALSO unable to add Paypal to XXXX XXXX through their service. A Paypal rep has said before it's a " security risk '' issue. They have suspended my account in the last 90 days at least twice and I had to submit copies of ID and invoices both times to get my account unfrozen. PLEASE make Paypal explain why they are unable to treat me the same as any other customer whereas I am no security risk and I have met all of their conditions. In addition, they hide their regulatory complaint info on their site. You have to go to " Legal '' link at bottom and then choose " License ''. " License '' is buried in the middle of a bunch of other options. They don't want you finding regulatory complaint info. Account : XXXX XXXX | ||||||
| 03/11/2023 | Yes |
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| PayPal has made me wait days and days after I called and asked them numerous times to solve 2 issues that I was facing. One issue occurs when I attempt to transfer my PayPal balance to my debit card. At the time, I had around {$120.00} in my PayPal balance which could be used to make purchases or could be transferred to my bank. They made me wait days and days and didn't tell me that the reason why I couldn't transfer my money to my debit card was that the free service to transfer the funds which takes 1-3 business days is unavailable for cards and that instead I would have to use the instant transfer which charged about a 2.75 % fee. After calling numerous times, the final representative I spoke to informed me of this, and we attempted to link my XXXX XXXX XXXX XXXX XXXX account to my PayPal account, but the representative told me that this credit union wasn't allowed for some reason because it posed a " risk ''. They ended up linking my XXXX XXXX account instead, and I transferred my PayPal balance over to it. They won't allow my preferred bank which is XXXX because they say it poses a risk. The second major problem I'm having with PayPal is that they wont ' allow me to use my PayPal balance anywhere, because they say that it poses a " risk ''. I spoke to the representative for over an hour, she told me that every single place I attempted to make a purchase, based on them monitoring my activities over the past month, was flagged as too " risky '' for my PayPal balance to be used, and that instead I would be forced to use a different payment method like a credit card. They are not allowing me to use my balance anywhere to make a purchase, not even XXXX because they're saying that there's a " risk ''. They won't allow me to use my PayPal balance to make purchases, they won't allow me to use the credit union of my choice to transfer my PayPal funds, and their reasoning behind all of this makes no sense. How is XXXX too " risky '' for me to use my PayPal balance to make a purchase, but not too " risky '' for me to use a credit card through PayPal? They won't allow me to use my PayPal balance to buy things. It's my money. It's my right as an account holder to use my PayPal balance to purchase things, they're not allowing me to do so. They made me wait days to find all of this out. They refuse to allow me to send funds to my account with XXXX XXXX XXXX XXXX XXXX, so I had to use my XXXX XXXX account instead, and I didn't want to do that. They won't allow me to send funds to my bank of choice and they won't allow me to use my PayPal balance to make purchases online. | ||||||
| 09/21/2017 | Yes |
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| complain against paypal. on XXXX XXXX, XXXX i bought something on XXXX for XXXX and paid for it with my account. on XXXX/XXXX/XXXX i found out my account was neg XXXX so i called paypal that same day. i talked to XXXX or XXXX people and they all told me that due to a policy change they could not collect money from a account that had a p.o. box on it which my does. so i told them i would check my bank to see if they did pay and if they didnt i would pay the bill. later that day i check my bank records and found they hadnt paid. so i tried to pay at least 3 times then i tried with a different card and because someone locked my account i couldnt pay. so the next morning i had to once again call paypal. after talking to XXXX or XXXX different people i got someone who was able to take the money over the phone and unlock my account. he then said everything was good and not to worry. but on XXXX/XXXX/XXXX i found that paypal had sent the XXXX back to my bank account. therefore once again i had to call paypal. i talked to XXXX or XXXX people and finally got a woman supervisor who explained the reason why they sent the money back to my account was because of all of the problems i had since their policy change, and all of the problems i had with different people working with paypal. she told me paypal was going to cover the cost and for me to not worry about it that it was a done deal and case closed. then on XXXX i found out that on XXXX/XXXX/XXXX once again paypal said my account was neg XXXX so i called paypal on XXXX/XXXX/XXXX. this time i got sent straight to collections and ended up talking to another supervisor who wouldnt not listen to anything i tried to explain and also said that woman i told him about could not and would not tell me the things i told him she said. i told him to check their phone records which are all suppose to be recorded and he would find out the truth. he would do it and said he was trying to collect a debt i owe. i told him that if this wasnt taken off my account i would close my account i have had for somewhere around XXXX XXXX XXXX years. he laughed and said i couldnt close my account until i paid the debt. now i dont want to close my account. but i will not pay this XXXX i have spent about XXXX hours and XXXX mins on the phone with paypal employees, i have spend XXXX mins sending and responding to paypals emails, i probably had spent another XXXX hours filing complaint with everyone i can to try and get this problem resolved and also maybe help anyone else who had this problem because of paypals change in policy dealing with p.o. boxes. | ||||||
| 07/25/2022 | Yes |
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| I am a user of the Venmo mobile payment system. I was using the system in connection with my role as a XXXX for the senior graduation party ( referred to as " XXXX '' for XXXX XXXX XXXX ) at my son 's high school. Many of the parents were sending me money for the party via Venmo, and I, in turn, was sending it on to the treasurer of the event whose Venmo account is @ XXXX. On XX/XX/2022 ( the night of the party ), at XXXX XXXX, an unauthorized transaction from my Venmo account in the amount of {$1000.00} was sent to @ XXXX with the notation of " XXXX ''. I noticed this unauthorized transaction on the morning of XX/XX/XXXX, and immediately contacted Venmo. I was advised by Venmo that my account would be frozen ( which it was and has been ) and they would research the situation and get back to me with a resolution. Despite emails to the contrary, nobody from Venmo followed up with me. As such, my husband called Customer Service on my behalf, on or about XX/XX/2022 and again made Venmo aware of the situation. A provisional credit of {$1000.00} was issued ( properly ) at that time, though the access to my account ( and thus the credit ) remained frozen. Shortly thereafter, and with no explanation or discussion with me or anyone else to my knowledge, Venmo concluded its inquiry, determined that the transaction was not unauthorized, and took back the provisional credit. There was a reference to " documentation '' used in making its determination, but all that was provided was a screen shot of transactions ( which I have attached ). I note that @ XXXX did not show up as a Venmo account on XX/XX/XXXX when I discovered the transfer, nor do I believe has it been accessible since that time ( suggesting that it was a fraudulent account ). I have continued to try to resolve the issue with Venmo, have made them aware of their obligations under Regulation E and the Consumer Finance Protection Act and in response, all that I have received is form responses from " Team Venmo '' suggesting that I file a police report and other reasons that they can not research the matter or return the money taken from my account by a fraudster. Clearly they have information on @ XXXX that I do not, and it should have been as easy as investigating that account for fraudulent activity, but instead, Venmo has not complied with its obligations under federal law and instead given me the run around. I am still out the {$1000.00} as of course I needed to make good to the treasurer and remit the funds that I received properly from parents. Thank you for your anticipated cooperation. XXXX | ||||||
| 08/27/2023 | Yes |
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| Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : Monejane I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. Sincerely, XXXX XXXX | ||||||
| 11/13/2019 | Yes |
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| On XX/XX/XXXX, money from transferred from a business associate to me of $ XXXXUSD.. making my paypal money balance $ XXXXUSD. He paid around {$40.00} for this transaction. I was always told that theres no hassle to get my money from Paypal and my bank XXXX also said that I could request a cheque from them for my funds. The same day I called & requested the cheque but the representative first sent me to a website where they say you can manually request the cheque : paypal.comwdfunds and paypal.comwdcheques but there were no options to request any cheque ; just to transfer money by adding a US account. I told the representative and then supervisor that I wasnt seeing that option on my end and dont have a US bank account. She said that she would formally request me to get the cheque at my home address in XXXX associated with my account ( which you have to verify among other things before being able to speak about your account to a Paypal ). She said it would take two weeks to process and arrive to my home. Today, XX/XX/2019 I called Paypal for an update on my cheque and was first told that no notation or request was made for the cheque.. then after investigations were made they said that the request for the cheque was declined by their staff member and there is nothing else they can do. I asked numerous questions and told them how unfair it was to international customers because most people would assume the fact that at least 95 % of international customers dont have a US bank account and it is my money that I earned and they are preventing me from accessing it. XXXX repeatedly said that there is nothing they can do and ask if I cant link a US bank account to my account by asking someone for their details? Now, 1 ) Why would I do that? And pay an additional $ XXXXUSD to send the money 2 ) What is preventing Paypal from sending a cheque to an international customer vs a local consumer when globalization exists & sending mail internationally is VERY easy 3 ) Why are there no supervisors for decisions made like this and no proper explanation made? My mail comes straight to my house and you need ID to change out the money anyways so security issues is a very weak excuse to NOT give me my money. I believe Paypal is deliberately withholding my money so that I can be tied to them and they can control my money there and I would HAVE TO make purchases through them. This is a form of abuse and I believe no consumer regardless of their nationality wants to be deprived of money they have rightly earned!! my email associated with the Paypal account is : XXXX XXXX | ||||||
| 08/26/2019 | Yes |
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| On XX/XX/2019 I sold some theatre tickets on XXXX and XXXX sent the proceeds to a Paypal account that was specifically setup for this transaction. Paypal would not accept my legal PO Box address as a " confirmed address '' and refused to let me withdraw my money via a paper check without either 1. adding a bank account, or 2. adding a credit or debit card to my account. After entering my physical street address and again requesting to withdraw my money via a paper check, Paypal required that I add a bank account before they would allow me to withdraw my money. After calling Paypal customer service, they managed to force the address confirmations thru their system. I then proceeded to attempt to withdraw my money via paper check again. Paypal next forced me to a screen where I had to " set up with a PayPal Cash account '' or I would not be allowed to continue on to attempt to withdraw my money. Apparently this is way of forcing the customer to agree to new terms and acknowledge new terms and conditions, here is a paste of the verbage : " Not FDIC insured. No overdraft/credit feature. Contact us at XXXX, by mail at PayPal Inc., Attention : Legal Department, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or online at paypal.com/us/smarthelp/contact-us. For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Customer Financial Protection Bureau at XXXX or visit cfpb.gov/complaint. By clicking Agree and Continue, I can confirm that I have read and agree to the PayPal Cash Terms and Conditions. '' I attempted to call the Paypal " legal department '' at the phone number mentioned in the disclosure. It is not a phone number for the legal department : it is a general Paypal number where you must give them your social security number, your phone, number, and other identifying information before Paypal told me that I can't talk to the legal department, maybe they can help me, etc. There are many misrepresentations, false/deceptive advertising, and bait and switch tactics involved in this process. Paypal represented to me that I could get a paper check and " all I had to do was open an account '' and click a button. After insisting that I be allowed to speak with someone who can help, Paypal very quickly managed to " request a paper check '', and " There it's done '', and " It should arrive in about two weeks ''. Two weeks? Seriously? Are they working the float on my money? This is outrageous : no FDIC bank would be allowed to get away with this-so why is Paypal allowed to get away with it? | ||||||
| 04/12/2021 | Yes |
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| Just over a month ago my wife and I had money stolen from us as part of an apartment scam. Its evidently more common than you realize. Financial transactions were processed using Venmo, making it a facilitator and resource for both fraud and potentially money laundering. When I realized that we had become victims, I immediately filed a report with my bank, filed a police report and called Venmo directly to make them aware of the fraud and request that the transaction be stopped. I was told point blank that there is nothing they can do and that they dont hold liability for transactions made through their app. Their support team told me that they never give refunds per company policy. This seems ridiculous and makes you wonder how many fraudulent transactions are being made through Venmo and PayPal? Most importantly I just want the money that we lost back. Im currently on unemployment, and the money that we were cheated out of was from my unemployment benefits, adding another layer of deceit on the part of this corporation which clearly doesnt care about its users, nor protect them from fraud. Ive contacted them many times via both their website and phone to no avail, only receiving the same answers with zero empathy or actual support. And theyve chosen to ignore the fraud and maintain a NO REFUNDS policy across the board instead. Ive made every effort to resolve this matter with the company over a months-long time period, and theyve consistently denied to even talk about it with me. They also told me that I can not file a complaint with them and that I should contact my bank, although my bank only sent the money to pay for the transaction, but didnt actually process it itself, instead using the third-party app. The bank also wont offer any type of refund and they deny any responsibility, placing the blame solely on Venmo. So, there were a lot of fingers being pointed when I first started reaching out about this. Im seeking reimbursement for my wifes and Is money lost through the fraudulent Venmo transactions totaling {$1100.00}. This has been a tremendous financial burden for us. I have screenshots showing transaction information, as well as the police report numbers and other supporting documentation. In desperation, Ive reached out to a few organizations that protect consumers in hopes of receiving a refund. I also hope that that at least one of these consumer protection organizations further investigates Venmo to determine how rampant fraud is, and whether transaction laundering and money laundering is occurring through Venmo transactions regularly. | ||||||
| 08/27/2023 | Yes |
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| Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. Sincerely, XXXX XXXX | ||||||
| 01/12/2021 | Yes |
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| I am a XX/XX/XXXX with a PayPal business account for the last 4 years. Due to COVID-19, a number ofXX/XX/XXXX business owners started requesting our website services but business was lost when we recommended PayPal because it was extremely difficult to receive their PayPal funds to theirXX/XX/XXXX bank account. In an effort to boost website sales, my business started offering a new service to other XX/XX/XXXXwhich allowed them to convert their PayPal funds toXX/XX/XXXXdollars. How this works is that they would request an amount and we would send them a PayPal invoice for said amount. Once paid, we would withdraw the funds to our XX/XX/XXXX account and send it to their XX/XX/XXXX bank account. After three months of running this successful service, PayPal asked for a review of our account due to the spike in revenue. We explained everything to them and withheld no information from them. We have attached the letter we sent to them. We also sent all bank statements as they requested. A day later, our account was permanently limited and our funds in the account were blocked from being withdrawn for the next 6 months. We were given no explanation apart from this message : " After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have funds in your PayPal balance, well hold it for up to 180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' There is no way to contact them - we have tried contacting them via their website, social media and phone numbers. They will not respond. In our research, we have seen in the PayPal community where persons have stated that after the 180 days, PayPal has not released their funds and they still could not get in contact with PayPal. Some even stated along with screenshots that PayPal took payments from their account without their consent. I am requesting : 1 ) A review of PayPal 's terms which blocked us from the service we began to offer three months ago - and an explanation ( at the very least ) of why this went against their user agreements. 2 ) Redress in the form of receiving our hard-earned funds that are now stuck in our account for the next 6 months 3 ) A lifting of the permanent limit on our accountso that we can use our account again. It is important to note that we have now also lost the capability to do business with our original website business because the entire account has been permanently limited. | ||||||
| 10/08/2022 | Yes |
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| Earlier this year, there was a total of nearly XXXX hacking attempts to my Venmo Account. It is account I have used once, maybe twice. I reached out to Venmo explaining to them that I was furious this happened, and asked if they could provide any details on the breaches, who was attempting them, what region -- they had no information. I probed them further on any potential data breach -- they had no information. I felt very unsafe about this. As the account was still open and active, I requested they close the account. I was told I didn't have to close the account, they could freeze it. They tried to make it seem as though closing the account and freezing the account was virtually indistinguishable. I kindly let the representative know, I didn't want to do that, because I didn't use Venmo and we should close it. I ended the call thinking the account would be closed. I was wrong. Venmo decided to keep the account open, but it it in a frozen status -- and they are not the same. Once an account is frozen, per Venmo, it can not be closed. In order or it to be unfrozen, Venmo is requesting my government ID ( passport, SSN, Drivers License ). This was not required when I opened the account, and had they granted my request to close it at the time of my phone call in XXXX, this would not be necessary. More importantly, the person or people trying to hack my account can still make repeated attempts while it is in this state. In fact, I myself can still log into the account do all sorts of things. So why would I have casually agreed to this, knowing that my account would not only still be in jeopardy, but that I would be riddled and pelted with endless emails of the login and hack attempts some months after raising my concerns with them. I have no confidence in Venmo 's ability to handle my government-level identification. They know this. They refuse to close the account, and instead, I have had several additional hacking attempts to the account. I am very concerned about Venmo 's intentions with my government-ID. I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. Payment apps like this, the number of subscribers or users they have is key to their market value, which is why they don't want me to close the account. It is why they manipulated their power to keep the account open, when they could have closed it. So as far as they are concern, they can continue to pander to investors that they have x, y, z millions of users -- active or inactive, it doesn't matter. | ||||||
| 03/23/2022 | Yes |
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| I have been using PayPal since XXXX. I used it for many years to buy items online and also to purchase sports cards for my hobby. During XXXX and XXXX, the sports collectables industry experienced a huge boom. So my hobby essentially turned into a business due to the huge increase in demand for sports cards. I mainly focused on selling soccer cards. During XXXX and XXXX, my transaction volume and amounts increased tremendously in comparison to my previous use since I started buying and selling sports cards at much higher prices. During these 2 years, I buy and sold hundreds of cards online to people all around the world. Unfortunately, as the amount of my transactions increase so did the probability of encountering problems with sellers and buyers. On several occasions, I had to deal with fraudulent buyers and sellers sending me fake cards, damaged cards, different items, and even lost packages by the post office. All of these issues become huge problems for me because they were high valued items. Sports cards ranging from {$100.00} to {$8000.00} each. Every time I had any issues, I had to open a dispute with PayPal to either return an item and get my money back if I never received the item that I purchased. Due to the increase in my transactions, I naturally encountered more problems since I was dealing with numerous sellers from around the world. Once day, PayPal closed my account without any explanations and told me that they could not give me any explanations to why they closed my account. I was banned from PayPal and my business was ruined since I can no longer buy items safely from sellers around the world. Now my source of income has gone down significantly because of this and it has been a huge issue in my life. PayPal was crucial for my business and the damage that they have done to me is irreparable. The amount stress and the amount of time that I have had to put into dealing with this has been horrible. I have spent months dealing with claims with my bank trying to get my money back for items that I never received or that arrived damaged. I also lost thousands of dollars for certain transactions that I was not able to open a dispute since my account for closed. Overall, this has been a huge nightmare for me and I am going to do whatever I can to make sure that PayPal fixes or pays this. They have ruined my life and my business and I will take legal action if necessary. I tried contacting them several times and they never provided an explanation or tried to help me in any way even after I offered to show them proof of everything that I stated. | ||||||
| 06/16/2017 | Yes |
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| My complaint is about Venmo, the person-to-person money transfer service owned by PayPal. My son, who is XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money. On XXXX XXXX , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer. Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before. The next day, XXXX XXXX , my son checked his account at XXXX and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place. He contacted customer service at Venmo by phone, and a representative opened an investigation of his case. The following day, XXXX XXXX , my son received an email from XXXX in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below. As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway. Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation. If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully. Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole. | ||||||
| 03/08/2018 | Yes |
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| During the past XXXX Tax Year, I have made approximately XXXX Credit Card Purchases as a registered Buyer for Auction items listed on XXXX in the USA and payments made through Paypal , Inc. to the XXXX Sellers that listed the items on XXXX. How can I accurately pay any State of Ohio Sales Taxes that I owe for Tax Year XXXX, when both XXXX and Paypal are currently denying me any online access or printed reports about XXXX Seller 's Auction information I need to determine my Ohio State Sales Tax liability for purchases made through XXXX on the Internet? In Ohio where I reside, I am responsible for paying a 7 % State Sales Tax amount on all taxable items purchased through the Internet with the USA. This Internet Sales Tax is called the Ohio " Use Tax '' levied upon all Ohio residents for Internet purchases. XXXX and Paypal Customer Service Departments say they do not provide any Federal, State, Local nor International paid tax information to registered and confirmed users like me about paid-in-full XXXX Auctions. However, XXXX is responsible for including Ohio sales tax for XXXX items sold by Ohioans to Buyers who reside within Ohio or if a company warehouse is located within Ohio. XXXX also claims they are not responsible for providing this tax information to consumers because XXXX claims this detailed information is not available after 60 days from the payment date. XXXX CSRs can not explain why XXXX has chosen to automatically erase all detailed XXXX Auction purchase information after 60 days for some undisclosed reason. I am not permitted by XXXX to save the details of the Auction Transactions and CSRs. The problem I have is that both XXXX and Paypal deny any responsibility for providing upon request to consumers like me any tax-related information about paid-in-full Auction purchases regarding : 1. ) which geographic location in the USA or foreign country is the XXXX Auction Seller registered, 2. ) where did the paid XXXX Auction item ship from, and/or 3. ) if XXXX collected any tax amount or Ohio Sales Tax on the paid XXXX transaction. Paypal processed all of the online transactions and they forwarded the payment amount ( including currency conversion if needed ) to the registered XXXX Seller. Some of the Auction payments sent through Paypal went to XXXX Sellers within Ohio, some Sellers that reside outside Ohio and within the USA, and other XXXX Sellers are located in overseas countries such as XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc ... The XXXX Seller would then drop-ship the XXXX auction items to delivery address that I specified. | ||||||
| 02/09/2021 | Yes |
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| NO ONE EXCEPT MYSELF CONTACTED PAYPAL OVER THIS DESPUTE AND PAYPAL NEVER OBEYED THERE OWN POLICY TO INSURE MY MONEY THUS WILLINGLY DEFRAUDED ME. I HAVE ALL RECORDS : Case 1 of 6 - Scammer : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. XX/XX/XXXX Money Sent - {$40.00} Case 2 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$30.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Monday, XX/XX/XXXX Transaction amount : {$30.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST This person is a scammer, i want ALL my money back. This case is closed Case 3 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$50.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$50.00} USD Your conversation with X X XX/XX/XXXX at XXXX AM EST This person is a scammer, i want ALL my money back. This case is closed Case 4 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$200.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Friday, XX/XX/XXXX Transaction amount : {$200.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST This person is a scammer, i want ALL my money back. This case is closed Case 5 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$25.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$25.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST This person is a scammer. I want ALL my money back from them. This case is closed Case 6 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Refund requested : {$750.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Thursday, XX/XX/XXXX Transaction amount : {$750.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST Every time money was sent to this person, they scammed me. I want it ALL back. This case is closed | ||||||
| 03/03/2021 | Yes |
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| On XX/XX/2021 we were in the market for a new dog, and wanted to purchase a XXXX XXXX, I found this website called XXXX. It looked to be legitimate and we reached out to them regarding one of the puppies, the gentleman responded by email and also sent me a text message. We had correspondence back and forth and he offered us a deal on two puppies, we asked him for more pictures of the two puppies we were interested in, which he emailed to me. After some discussion we decided to to go ahead and purchase the two puppies. It was agreed that we would pay him {$1100.00} for the two puppies and he would ship them from XXXX to XXXX XXXX on Sunday ; he would be in touch with the shipping information once he had everything in place. He even called me on the phone and talked to me in person. I went ahead and made the payment via Venmo. All seemed to be in place. On Sunday, our son copied and pasted the website into the computer just to double check as we had not herd anything about the shipping of our puppies yet, so we wanted to double check for legitimacy and reviews. This is when we found that this site was in fact a scam and we had been scammed. We were to have two XXXX XXXX XXXX puppies delivered to us on Sunday, XX/XX/2021 by XXXX. On Sunday this individual finally contacted us telling us he was making arrangements and the shipping company would be in touch. At XXXX XXXX. we did get a message from a bogus shipping company XXXX XXXX XXXX XXXX claiming the puppies would be on their way. At XXXX XXXX. we received another message from this fake shipping company informing me that my puppies were now in XXXX, Virginia and in order to get them from there to my home I would need to pay another {$950.00} for XXXX XXXX, which was never mentioned in the original deal we made with the individual from XXXX. We of course did not do this, we had looked up the name of the shipping company and found it to also not be a legitimate company. After that we did not receive any more contact from either the individual selling the puppies or the shipping company. I did contact the merchant/individual on XX/XX/2021 and requested my money be returned as I had not received the puppies and did not receive nor have I received any response from him. I reached out to VENMO to try and get the transaction stopped and was told there was nothing they could do. I then contact the Card Services for my credit/debit card that I used and after they did an investigation was also told there was nothing they would do either. I have copies of all the text messages and emails if you need them. | ||||||
| 04/26/2019 | Yes |
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| I am a customer of XXXX ( a division of PayPal ), XXXX user ID @ XXXX and email XXXX and have received multiple payments via XXXX successfully over the last year from people I know outside of XXXX. Recently I received payments on XXXX on XX/XX/2019 ( {$700.00} from one person a close friend and payments totalling {$7000.00} from a second person I know but not a close friend ) I was misleadingly informed my XXXX by in-app notifications and by email pronouncements that these payments were cleared, that I had been paid and money was in my XXXX account. I therefore went ahead and withdrew the said amounts to my bank account. I was further provided notifications that the transfer out of my money which was in my XXXX account, to my bank account was in progress. ( The payment was to share costs of a hospitality package for an expensive music festival that was in progress over the following few days ). 4 days later on XX/XX/XXXX I was sent a notice by XXXX that the account was " frozen and transactions reversed ''. No details WHATSOEVER were provided and no one was reachable by phone for a further 24 hrs till XX/XX/XXXX. After multiple emails and phone calls it took a further 4 days till XX/XX/XXXX till before I was even informed of even the most basic details ... which transactions were reversed. This was after many rounds of phone calls and emails, including threatening to go to my US Senator and to the CFPB!! I have transcripts of all email conversations .... just to identify how much of my money was being held..and which transaction/s were affected! Finally a week after the original transactions I was told that the {$700.00} payment was being held for 180 days and the payments totaling {$7000.00} reversed to the originator. This was almost a week after XXXX informed me I had been paid misleadingly. The payer of the {$7000.00} is unreachable to pay again and now I am left with a {$7000.00} loss due to XXXX 's totally misleading emails and in app displays on payment, money availability and bank withdrawals. ( Furthermore, the {$700.00} payment is being held for $ 180 days. That is a non issue as long as at 180 days it is released as promised. ). Please investigate XXXX 's business practices and customer service availability and misleading notifications about being paid and funds availability which has led me to losing {$7000.00}. This is a HUGE loss for me as an individual relying on XXXX. Transaction receipts and notifications are provide and have copies of all email exchanges too demosntrating XXXX 's negligent and unsafe business practices. | ||||||
| 04/05/2016 | Yes |
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| PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. " XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges. | ||||||
| 05/28/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 I was scammed by XXXX XXXX. He/she told me that they will sell me their XXXX account for {$100.00} through XXXX. Upon receiving the money, they never replied. I never received anything in return. They quit communicating with me, once they got the money. XXXX XXXX told me to write in the description of the transaction " selling account to XXXX '' so if I was to scammed by him, I will show that as a proof. But upon calling XXXX, I was told by them to contact my bank as I used my bank account and routing number, which is the XXXX XXXX XXXX. I use my bank account for most transactions to reduce the charging fees. Using debit/credit charges extra fees. I called my bank and they offered me temporary credit until they further investigated into this matter. But last week, I was told by my bank that they can't help me and they'll be taking back that money as they found out that I did authorize the transaction. I already did tell my bank before the investigation that I authorized the payment so I can get what I paid for by the seller. Which I never got anything in return and was scammed. Also, my bank told me they tried to contact jade menage 's bank and never got any feedback so they gave up on the investigation so it wasn't a successful one. Now a little about me, I'm a XXXX XXXX seeking XXXX in XXXX at XXXX, that recently XXXX with an XXXX with XXXX XXXX and XXXX from XXXX, XXXX, also I'm an XXXX XXXX XXXX, as a civilian I'm XXXX on opening XXXX XXXX soon as a XXXX XXXX XXXX. So, now you can see I'm a highly motivating individual that not only is ambitious but also likes to help the community by giving something back. I want to become a XXXX and XXXX XXXX XXXX XXXX. I also like working out and stay fit, can't wait to start XXXX XXXX XXXX once the COVID-19 is over. I joined XXXX XXXX XXXX last year at XXXX years of age, making me the oldest person in my XXXX. I was also one of the people with the highest PT score in my XXXX regardless of my age, I was competing with these XXXX year olds in anything competitive. Meanwhile, people like XXXX XXXX are making a living by scamming people and not working hard. Based on his bank account, he's from XXXX since I can see his payment was converted into XXXX dollars. He has not replied to any of messages once he scammed me. I want to walk the extra mile and solve this issue. I want to prove that doing the right thing shouldn't be a problem. I'm going to attach all the convo and transaction pictures to give you a visual as to what really happened. So you see both sides of the story. | ||||||
| 06/08/2021 | Yes |
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Web | Servicemember |
| I noticed fraud on PayPal regarding the XXXX XXXX XXXX XX/XX/2021 for {$66.00}. I've never heard of them nor have I conducted any business with them. I immediately filed a complaint with PayPal. While waiting for the results of my PayPal claim I began researching the XXXX XXXX XXXX and came across hundreds of complaints from PayPal users. There seems to be a direct correlation. The XXXX XXXX XXXX is in XXXX. After a period of time, PayPal of course came back and denied my claim stating it was authorized. What's more frustrating is they sent the following email : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. The payment in question was sent as part of a billing agreement you previously set up with the merchant. We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. For more information about these cases, log in to your PayPal account and go to the Resolution Center. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. I sent a complaint to the appeal email, and demanded a copy of the documents PayPal used in their decision. Today ( XX/XX/2021 ) I received the following email : We received the case ( s ) you filed on XX/XX/2021. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . Attn : Unauthorized Account XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX In other words, PayPal chooses to give their customers the runaround. I will send the letter, no worries there. I have already emailed PayPal and advised them they might want to be aware, customers are angry. It seems customers should unite and start a class action lawsuit. Just look at the forums. People are outraged. I filed a complaint with my bank and bypassed PayPal all together. My bank said they have this XXXX XXXX listed as fraudulent and they've had major complaints about them from other people. For whatever reason PayPal is lazy, and they apparently approve of fraud. | ||||||
| 05/25/2023 | Yes |
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| Dear PayPal Customer Service, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I believe that this limitation was a result of a mistake, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. Firstly, I would like to emphasize that I have been a loyal PayPal user for [ insert duration of usage ], and I have always strived to abide by your platform 's terms and conditions. I have used my PayPal account, associated with the email address XXXX, for legitimate and lawful transactions without any incident or violation. Thus, the permanent limitation imposed on my account has come as a surprise and has caused me significant inconvenience. I kindly request that PayPal re-investigates my case thoroughly and objectively. I strongly believe that upon review, you will find that my account was mistakenly flagged and restricted. I am confident that there has been an error in the decision to permanently limit my account. I am willing to provide any additional information or documentation necessary to support my appeal and assist in the resolution of this matter promptly. I kindly request that PayPal reviews the activities and transactions associated with my account carefully. I am confident that upon closer inspection, you will find no evidence of any policy violations or unauthorized activities. It is my sincere hope that PayPal will rectify this situation and restore my account to its previous, fully functional state. I understand that PayPal has a responsibility to ensure the security and integrity of its platform, and I appreciate your commitment to protecting users and preventing fraudulent activities. However, I believe that an error has been made in my case, and I trust that PayPal will conduct a fair and impartial investigation to address this issue. In conclusion, I kindly ask PayPal to reconsider the permanent limitation placed on my account and take the necessary steps to restore my account 's functionality as soon as possible. I value the convenience and reliability that PayPal provides, and I look forward to continuing my positive experience as a PayPal user. I thank you for your attention to this matter and for considering my appeal. Should you require any further information or clarification, please do not hesitate to contact me at the email address or phone number provided above. I eagerly anticipate a prompt and favorable resolution to this issue. Yours sincerely, XXXX XXXX | ||||||
| 12/13/2022 | Yes |
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| A person reached me out in XXXX XXXX to sell me a bag I was looking for. This person 's name is XXXX. I know there's XXXX in my XXXX XXXX, but unfortunately, it is an identity theft of XXXX XXXX that pretended to be her. I paid {$5000.00} to scammers Paypal through friends family transfer not knowing its the ID thrift s account. I contacted the real XXXX and found out it was a scam. She never contacted me. It was someone using her name and copying her XXXX account. I immediately send the money request to the scammer 's account to try to reserve. It didn't work. I contacted PayPal and my bank to hold the fund since its still on hold status at the scammer Paypal side. The scammer tried to call me on XXXX XXXX. I didn't answer. I called Paypal and XXXX XXXX to stop the fraud before it went through on XXXX. Unfortunately no customer service opened after hours. The fund was from both my PayPal balance ( {$1900.00} ) + bank savings ( XXXX ). I contacted my bank to restrict my bank before money was requested from Paypal. I filed a dispute ( XXXX ) on XXXX with PayPal but got denied XXXX XX/XX/XXXX since they said they do not liability with personal transfer even if it is a fraud and will not hold funds. The fund just went through today on XX/XX/XXXX. It is very disappointing because I contacted right away at that point. This person is not the person I intend to transfer money to. This person used a fake ID and name. I do not understand Paypal has the power to hold the fund and invest on suspicious accounts but it didn't. The receipt is a criminal. Paypal said the fund will charge me back as a negative account. I do not want to pay Paypal anymore. I wish to get my fundsback. I have tried everything I can and provide all information to the bank and Paypal. I filed the police report : XXXX with XXXX XXXX on XX/XX/XXXX. Please justify and stop this criminal. Thanks. PS. Another victim : From the XXXX XXXX, on XX/XX/XXXX, another victim XXXX also got into the fraud with the same scammer to the same Paypal account using the same way. But due to my dispute, the scammer 's Paypal transaction didn't go through. The scammer gave her another bank account to transfer money via XXXX ( for a purchase of a goods ). Scammer provides the address and bank account number to receive money ( {$4700.00} ) from XXXX successfully. XXXX contacted me because the real XXXX told her I am also a victim. The real XXXX is filing identity theft. XXXX gave me the scammer 's bank info- Name : XXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX, XXXX XXXX, XXXX. postal : XXXX. | ||||||
| 06/26/2022 | Yes |
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| Paypal refuses to help or acknowledge me for an issue I have regarding an unfair limitation I was given. They will not respond to me and have completely ignored me. About 2 weeks ago my house was burglarized while I was staying with a family member and everything I owned was stolen including my personal information and electronics ( i.e. SSN, Birth Certificate, Taxes, Phones, etc. ) I came home in the early morning of XX/XX/XXXX when I discovered that my house was robbed. I quickly began canceling cards, closing bank accounts and anything related to online cashing, and changing all my personal information. I finally had gotten around to contacting paypal later that same morning. I had no phone at this point in time because it was also part of the stolen items so the only way I was able to get in contact with them was through an old laptop the burglars letf in my garage. The first thing I asked was if they could close my account immediately to stop any fraudulent activity on it if that hadn't already happened. The first response I got directed me to reset my password which I promptly did. After I realized he wouldn't be helping me any further I decided to close the account myself. When I tried to though it said I needed to contact support again, which I reluctantly did. I was asked to show pictures of what the problem was, so I asked to use my coworkers phone and sent pictures of what it said to the support agent. He then responded in a lengthy copy and paste message about breaking tos. After that I was completely ghosted and no one eould respond to me. When I called I was met with the same copy and paste paragraph. All I wanted was to close my account because it had been compromised and I didn't want any personal information left in the account. After doing some research I found that many people had gone through this same exact issue with PayPal unfairly limiting their accounts with no stated reasoning other than breaking tos which led me here. They have still refused contact with me even though I am owed some kind of knowledge of what happened. This is completely fraudulent and this is not the first time things like this has happened. Apparently many others had their accounts revoked to and their money taken out their own account for paypal to keep. In this case I'm not even asking for much from them just a support system which doesn't copy and paste their responses and gor them to close the account which criminals have access to which means they have my bank info cards and ssn still. This is the Reference ID : XXXX My email is XXXX XXXX | ||||||
| 05/13/2021 | Yes |
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| I have a PayPal account with a PayPal cash card attached to it. One of the functions is the " Top Up '' feature. When you make a purchase with your PayPal cash card and your PayPal balance does not have enough money to fund the transaction, PayPal will pay the merchant while the Top Up feature will automatically transfer funds from your linked bank account in {$10.00} increments to cover. I don't always double check to make sure PayPal has made the deduction. On XX/XX/XXXX I received an email that PayPal had " a technical processing issue '' and the transfers were not initiated. The email also said they would debiting our account " On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments '' however there were no attempts made. Then on XX/XX/XXXX, an unexpected transfer was made causing us a {$35.00} overdraft fee. Had they tried per the email or had we had a choice of when to pay them back for their mistake, there would be no issue. I can only imagine how many others may had been affected by this " technical processing issue ''. Unethical in my opinion. Here 's the email and thanks for your time. From : PayPal XXXX Date : XX/XX/XXXX at XXXX XXXX MST To : XXXXXXXXXXX Subject : Payment processing errors for recent Top Up transactions Reply-To : XXXX PayPal Payment processing errors for recent Top Up transactions XXXXXXXXXXXXXX, Recently, you made multiple purchases using Automatic Top Up, but your linked bank account or debit card wasnt charged. This happened because PayPal experienced a technical processing issue from XX/XX/XXXX through XX/XX/XXXX. PayPal has paid the merchants on your behalf. On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments. The charge will be for the total amount of XXXX USD for the transactions using Automatic Top Up during the period noted above. Please make sure that you have funds in your linked bank account to cover the transaction amounts. You can find these transactions in your PayPal transaction history. For questions, please visit our Help Center, or get in touch by using the Contact Us link found on all Help pages. We apologize for the inconvenience, and we appreciate your continued business. Sincerely, PayPal Please do not reply to this email. We're unable to respond to questions sent to this address. For immediate answers to your questions, visit our help center by clicking " Help & Contact '' on any PayPal page. XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. | ||||||
| 02/05/2021 | Yes |
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| On XX/XX/XXXX I was a victim of a XXXX spoof situation. I received a phone call from my mothers phone number while she was out of town. There was screaming women in the background who knew my name along with a male saying " he would XXXX XXXX mothers XXXX XXXX if I did not send money. '' I complied and sent {$1200.00} to @ XXXX during this XXXX call. Further disturbing details can be found in the police report and venmo_fraud report attached to this submission. After the call I immediately attempted to contact Venmo with no luck as they do not have a contact number listed. Since I could not reach Venmo I filed a dispute with the bank who agreed with my dispute and blocked the charge from Venmo. Once the bank approved of my dispute and blocked the charge Venmo " froze '' my account put a {$1200.00} on it hold threatening to send me to collections. During this time I received XXXX payments for miscellaneous things such as food, utilities, ect. adding up to {$1000.00}. Venmo took this money from my " frozen '' account and contributed it to the {$1200.00} hold from the XXXX situation. On XX/XX/XXXX I realized there was a chat in the Venmo app which was the only way you can start a dispute claim. I was able to start a dispute here. As you can see in the attached file " Venmo Dispute1 '' my dispute was automatically denied on XX/XX/XXXX without any request for information. In " Venmo Dispute2 '' you will see a chain of emails from XX/XX/XXXX through XX/XX/XXXX going back and forth with no help or insight whatsoever with Venmo. I don't believe they were actually reading my emails, just automatically responding with immediate denials. The denial response on XX/XX/XXXX even states " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' What exactly does " It sounds like the person you were transacting with did not fulfill their end of the transaction '' mean? Were they supposed to pull the trigger? I also called the number listed on the collections emails, XXXX XXXX XXXX XXXX, on XX/XX/XXXX only to be hung up on after being transferred to their poor excuse of a customer service department. I believe the way Venmo has handled this situation is near criminal given the time wasted and fact that they automatically are holding {$1000.00} of mine. I look forward to hearing from you. | ||||||
| 07/09/2018 | Yes |
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| On XXXX I received an offer on a auction I had listed on XXXX. I accepted the offer for {$110.00} plus shipping of {$3.00} for a total of {$110.00}. The buyer, XXXX paid via PayPal goods and services that same day, XXXX. I purchased the postage through the XXXX transaction via PayPal on XXXX. This attached the tracking number directly to the transaction in XXXX and Paypal. The item was shipped and I never heard from the buyer after this point. On XX/XX/2018 - almost ONE YEAR later I receive an email from PayPal telling me that the buyer, XXXX, has filed an Unauthorized Transaction claim with her financial institution. As a result they have placed a hold on {$110.00} in my account. They stated that they needed tracking information for this transaction. The same day, XXXX, I uploaded confirmation of the sale, purchase, purchase of postage, and tracking number. I couldn't send the actual tracking information as it was no longer available since the USPS does not keep tracking records that long. And now, since it has been over a year that tracking number has been reused. On XXXX I received an email from PayPal telling me that because they were unable to verify the shipment information I sent they had officially debited my account for the {$110.00} and additionally they debited my account another {$20.00} for a chargeback fee! I called XXXX and they said - sorry, nothing we can do we do not keep records that long. I called PayPal and they said sorry, nothing we can do - she filed the claim with her Credit Card company. They would not tell me the credit card company name. How can someone make a claim from that long ago? Unless you have taken a screen shot showing the item as delivered you are out of luck! Everyone knows that tracking information isn't available that long. If this is the case, everyone will start disputing transactions this far out - get their money back and they get to keep the product/items. Where is the seller protection that XXXX and PayPal advertise all the time? My transaction was eligible for PP seller protection. It was goods and services. It had the tracking information. Why wasn't confirmation of delivery kept on file with the transaction history? This is not a fair practice. Where is the sellers protection? Unauthorized ACH transactions have 60 days to be filed per the NACHA rules. Where does the credit card company come in on this? I am attaching all the documentation I have on this case as well as a screen shot from the buyers XXXX page showing that she was a user of the product she purchased from me. | ||||||
| 11/01/2022 | Yes |
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| I did receive a unemployment retroactive payment over a year ago the fact that the account at venmo only allows for me to put a certain amount that caused my account to get locked due to the amount that was put in retroactive the amount was about {$9000.00} a total amount that has been put into my account is {$13000.00} they are not letting me access my account they have Frozen my account and continue to send me debit cards let me know that they will one day unfreeze my account and I will have access to my funds I have contacted unemployment and asks them if they were able to withdraw any of that money and referred it to my bank and they said that there's nothing they can do that is out of their hands because I gave them that bank account information and that is venmo there is no way to communicate with them as everything is done with a computer or by text messages or email they ask you to identify yourself with your driver 's license and go through obstacles and with that being said you don't even know who you're dealing with on the other end to further make the situation worse or delay they always ask you to please give them the last email they sent you some code number to identify yourself if by any chance you delete it or you spam it and don't have it they will make your issue even harder as they tell you to please try to find a way to retrieve it it's been very difficult dealing with them and to me it's just a typical scam and I do believe a lot of people are tied up just like I am and all they're doing is profiting and collecting money and interest on all the accounts that they have Frozen They're benefiting from it an issue that I had a long time ago was with PayPal and I know PayPal owns venmo I've did a job with someone and got paid {$4000.00} that person bounced my payment after a few days so I owe PayPal {$4000.00} the fact that I owe PayPal {$4000.00} for something that I had no control of I just got ripped off on my end doesn't mean that venmo has to take those actions and stiff me out of my money over something that had nothing to do with venmo but with a PayPal account I wish this matter can get resolved as I started to read online venmo is nothing but some wannabe financial institution that is pretty much locking everyone 's account and having everyone go through a financial burden I didn't need the money as much so I never focused on it but today I decided to contact a attorney and of course you guys and I am deciding it is time to put a end to this as I've been taking advantage of and it's going to be almost 2 years | ||||||
| 05/18/2023 | Yes |
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| Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe that this limitation has been imposed on my account due to a mistake or misunderstanding, and I kindly request that PayPal re-investigate my case in order to rectify this situation. Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that are in contravention of the terms and conditions outlined by PayPal. I have always been diligent in adhering to PayPal 's guidelines, and I have used the platform responsibly for both personal and professional purposes. I firmly believe that there has been an error in the assessment of my account, leading to the unjust imposition of this permanent limitation. I have reviewed my account history thoroughly, and I have not identified any suspicious or unauthorized transactions that would warrant such a severe action. Therefore, I kindly request that PayPal conducts a thorough re-evaluation of my account activity to uncover any potential misunderstandings or errors that may have contributed to this decision. It is of utmost importance to me to have my PayPal account restored, as it plays a significant role in facilitating my financial transactions and XXXX XXXX activities. The services provided by PayPal have proven to be invaluable in enabling me to conduct secure and efficient transactions with customers and vendors alike. The permanent limitation on my account severely hampers my ability to continue my business operations smoothly and efficiently. In light of the aforementioned points, I respectfully appeal to PayPal to reconsider their decision and undertake a diligent review of my case. I sincerely request that you investigate my account thoroughly, taking into consideration my long-standing history as a responsible and compliant PayPal user XXXX If any mistakes or misunderstandings are identified, I kindly ask that you rectify them promptly and reinstate my PayPal account to its full functionality. I have always appreciated the convenience and reliability offered by PayPal, and I am confident that this matter can be resolved through a fair and just re-evaluation of my account. I sincerely hope that you will give due consideration to my appeal and swiftly respond with a positive resolution. Thank you for your attention to this matter. I eagerly await your prompt response. Yours faithfully, XXXX XXXX | ||||||
| 03/27/2020 | Yes |
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| On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). You can also mail your request to : PayPal , Inc . Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). If you want to send a new money transfer, please log in to your PayPal account to send money. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. Thank you and please let me know if you have any questions. | ||||||
| 11/21/2021 | Yes |
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| In late XXXX and early XX/XX/2021, I sold XXXX video game consoles to someone named XXXX XXXX on XXXX XXXX. The consoles were paid for through PayPal because XXXX doesnt allow for $ XXXX shipping transactions. I corresponded solely with XXXX XXXX on XXXX for the sale of all XXXX consoles. He gave me XXXX separate PayPal emails to request from over the period of business, and all requests were fulfilled loading the full balances below into my accounts. The XXXX transactions are from my personal PayPal ( XXXX ) and my fathers account for the XXXX transactions ( XXXX ) because my account wasnt letting me send money because of an address change at the time. Transactions : XX/XX/2021 for {$760.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX I shipped all XXXX consoles to the same address for XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These are the tracking numbers for each of the shipments : Shipments for XXXX XXXX, XXXX XXXX and XXXX XXXX had these tracking numbers ( not sure which is which ) : XXXX Tracking number : XXXX XXXX Tracking number : XXXX XXXX Tracking number : XXXX Shipment for XXXX XXXX and XXXX XXXX ( XXXX consoles shipped together ) : XXXX Tracking number : XXXX XXXX by XXXX the buyers raised disputes, holding the money from me and were all decided in the buyers favor by the buyers financial institution, removing each balance from the PayPal accounts. Each dispute notes mine and my fathers XXXX XXXX though we didnt receive any help after submitting tracking details, conversations with the buyer and even evidence that XXXX of the PayPal XXXX I dealt with no longer was a valid email. In addition, PayPal took another {$15.00} for each of the XXXX transactions for dispute fees because we lost the dispute. In summary, money was requested from the PayPal accounts provided to me by XXXX XXXX. The money was sent to me in PayPal. I shipped the consoles as promised and they were all delivered. Once received, the customers disputed the charge with their financial institution and PayPal told me that there was nothing they could do with helping as it was the buyers financial institution. I also spoke with representatives from PayPal numerous times ( was also disconnected after waiting on the phone ) and they said that they could escalate but upon following up then was told that they could not do anything to help. I am attaching conversations with XXXX XXXX and XXXX XXXX. Tracking numbers can also be checked. | ||||||
| 10/27/2023 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX PayPal Holdings , Inc. PayPal Reference : XXXX XXXX have been using PayPal without any problems for years. However, my son, XXXX XXXX asked me for help money-wise, {$2000.00}. XXXX did not have XXXX or PayPal so I asked XXXX to get XXXX or the other so I XXXX transfer money to him. On XX/XX/XXXX, XXXX informed me he had a PayPal app. I told XXXX I would send him {$25.00} to see if it would transfer properly, and it did. The PayPal transaction is # XXXX. Up to this point, I had no contact with XXXX XXXX 's name. On XX/XX/XXXX, I sent {$2000.00} to XXXX using PayPal and my debit card to XXXX, PayPal Transaction # XXXX. XXXX did not receive the money. When I checked with PayPal and filed a complaint, I noticed XXXX new contacts I did not know about, for a total of XXXX contacts for XXXX XXXX : XXXX ) XXXX XXXX backgroundXXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; XXXX ) XXXX XXXX background, XXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; and XXXX ) a blue circle with an icon in the middle of it ( do not know what it represents ), and XXXX XXXX below the circle. The PayPal XXXX informed me the {$2000.00} went to the email XXXX my son XXXX informed me that he has never had any XXXX email address. First and foremost how did XXXX unauthorized XXXX XXXX contact icons get added to my PayPal page if XXXX nor I requested or put them there? In my opinion, PayPal was hacked and this person who performed the hack put these XXXX false XXXX XXXX contacts on my PayPal account and does, has, or had an email address of XXXX and received my {$2000.00}. If those XXXX unauthorized contacts were not hacked into my account, then my {$2000.00} would have transferred to my son, XXXX as did the {$25.00} I sent him on XX/XX/XXXX. Secondly, PayPal informed me that the messages in their message box would be available to me for 3 years as of XX/XX/XXXX. I have not been able to access the message box nor print the messages I had with the PayPal XXXX on XX/XX/XXXX, XXXX. When the PayPal XXXX was asked by me how can I print our conversation, I was informed that they would send me an email with a copy of our conversation, which I have not received as of XX/XX/XXXX. I believe that my {$2000.00} should be returned to my debit card since the money was sent to my son XXXX XXXX who had received {$25.00} in a test run on XX/XX/XXXX, and I did not add, or have knowledge of the hacked contacts added to my account. XXXX XXXX XXXX XXXX ( XXXX ) XXXX cc : Consumer Financial Protection Bureau XXXX Bank Colorado BBB XXXX Colorado | ||||||
| 03/14/2023 | Yes |
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| I have had my Venmo account frozen without just cause and have made numerous attempts to resolve the matter but they have no interest in resolving it and now state they have cause to hold my money for at least 180 days.They said that i violated the user agreement but wont explain how and then just said the matter is closed. That makes it right for them to hold my money And close my account? XXXX. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? XXXX XXXX. What type of account is at issue ( Examples include : Checking, Savings, Prepaid, Digital Wallet, etc. )? Checking 3. Is the account/card in your name? If not, whose name is it in and what relationship are they to you? Yes 4. Date your account was closed or, if it is still open the date the restrictions were placed on it? XX/XX/XXXX 5. Were you given prior notice of the restrictions or account closure? If not, how did you find out? No 6. Did you try to make any transactions that were declined due to the hold? If so, please identify the attempted transaction ( s ) ( for example, failed ATM withdrawal, card declined at the grocery store, etc. ) and provide the date that you attempted the transaction ( s ). Yes 3 failed atm withdraw 2 on XX/XX/XXXX and XXXX XX/XX/XXXX XXXX. What is your accounts approximate balance that is being withheld from you? {$410.00} XXXX. Are the restrictions placed on the account preventing you from logging into the website or mobile application for the account? No XXXX. Did you communicate with the company to try and resolve the issue ( s )? If so, give dates? Also, please provide me with copies of your communications [ emails and screenshots of calls ] to the bank regarding the restrictions placed on your account. I ask out of an abundance of caution because notice of the error ( s ) to the financial institution can be a critical issue in these cases. Yes i did communicate threw email with venmo on the following dates- XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX. Did the bank ask for you to provide identification documents? If so, what documents did they ask for? What documents did you provide them? What date did you provide them? Yes they asked for identification documents. I sent them my license on XX/XX/XXXX. XXXX. Did you ask for the bank to close the account/card and mail you a check? Yes was told I couldn't close account. XXXX. What is your telephone number in case we need to contact you? XXXX XXXX. In which state do you reside? OHIO | ||||||
| 05/07/2015 | Yes |
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| I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. ( underneath this line, in a font size XXXX times smaller than the previous lines was : {$120.00} balance due ( which I did n't see until the P-P representative helped me get there ) Today I received a telephone call from a P-P representative telling me that I had not made a payment in two months. I immediately went to the web page, which required the help of the representative to tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said {$0.00} balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were {$95.00}. ( the account balance after my last payment in XXXX 2015 was under {$10.00} ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to XXXX different representatives and a supervisor they refused to waive all of the late fees and wanted payment of {$120.00}. I attempted again to negotiate with them but they would not waive the total late fees of {$95.00} I have not had a late payment or not made a payment on that account while it was with P-P to that point. I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( XX/XX/2015 ). | ||||||
| 10/02/2020 | Yes |
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| On XX/XX/XXXX at XXXX, I received a text from PayPal : " For your protection, we've limited certain features in your PayPal account due to suspicious activity. Log in to resolve the issue. '' I also received an email. I went to my online account and saw nothing suspicious so I contacted them through their messaging system. I was advised I needed to provide information such as a picture of my license, utility bill or banking statement. I have called several times since XX/XX/XXXX to speak to someone, there is no answer. The messaging system is automated. I haven't worked since XXXX, I was sent {$40.00} on XX/XX/XXXX not realizing I wouldn't be able to get my funds. I found a number on XXXX, I called and it was PayPal Credit, I spoke to XXXX who told me PayPal isn't answering their phones and he has no number for them. Once I told him my situation he gave me a number XXXX. There, I spoke to XXXX who was very kind, she said PayPal picks accounts to verify identity of the customer. She would escalate my issue to the " limitations department '' let them know, I haven't received the phone call I was promised via the message center. I have told the message center, I was no longer sending information after sending a copy of my license. I received a call XXXX at XXXX from XXXX at PayPal XXXX He said he needed a copy of a utility bill and a copy of my bank statement. He stayed on the line with me as I submitted my XXXX bill and I was going to send a copy of my statement without the account number. He said they needed the first page of my statement with account number and all of the transactions on the statement. I refused to submit that information. He said if they don't receive that, my account will be held for 180 days before the funds are available. I told him, I didn't have to show that much detail when I bought my house, so there was no way I would submit that information to PayPal over the internet, let alone my bank would advise me NOT to do that. It doesn't make sense. I checked their XXXX feed and there are hundreds of customers who have the same issue and complaint. Two personal friends received the same email I received. I checked consumer affairs, same issues and complaints as well as XXXX page. I need help with this situation. It's not just about {$40.00} it's the principle that there is no suspicious activity on my account. The day before a bill was debited from my account. I have other bills I use PayPal for. I'm not even able to refund the money to my friend. Thank you for the assistance to this matter. | ||||||
| 01/27/2023 | Yes |
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| Greetings CFPB, On XX/XX/23 I initiated a transfer of {$1400.00} using my Venmo app to pay a business account owned by the movers dropping off my belongings at my new home. They insisted on payment before they started unloading items, or even before I had to a chance to see them in the truck. I opted-in to Venmo 's XXXX XXXX XXXX '' offering which claimed that I would receive a " full refund if an eligible purchase isn't what [ I ] paid for '', because this moving company had already rescheduled thrice on me, and I was wary of the fact that they sent 1 man and his wife to unload the entire truck. Upon all the items being unloaded, I noticed that 3 items were missing, and several more were damaged. The missing items were computer monitors that are vital to my partner 's work as a software engineer, and their absence greatly impacted his ability to search for a job after his recent layoff. A vacuum I was quite fond of was also missing. I estimate that the monitors are worth {$2200.00}, and the vacuum {$280.00}. I got these prices form XXXX I also estimate there was about {$1200.00} dollars more in damages to items I received, the largest of which was a headboard which no longer attaches to my bed. ( entire bed frame retails for {$2700.00} on CrateandBarrel.com ) I first attempted to reach out to the moving company, and they said they would investigate. When they offered no remedy, I filed a dispute with Venmo to partially compensate me for the damages. Venmo then informed me that an agent would reach out within XXXX business days to collect more evidence to properly investigate my claim. I was quite surprised when the next communication I received from them was an email stating that my claim had been closed and they had ruled in favor of the merchant. I called them again to complain and demand a chance to have my side of things be heard, and they once again said that a representative would reach out over email within the next XXXX business days, and today, I have again received an email letting me know that my claim is closed and they are ruling in the merchants favor. Please find attached the details of the Purchase Protection Venmo allows you to opt-in to, a police report I filed with the XXXX XXXX Police department XXXX where I moved from ) I am currently living in XXXX, and when i called the local police department, the person over the phone refused to take my police report " because I could not say with 100 % certainty that the crime took place in MI '' I am happy to provide further documentation on request | ||||||
| 12/03/2018 | Yes |
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| This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. I have made a formal complaint to the FTC ( Ref # XXXX ). I have contacted the NYS District Attorney 's Office. I am acting to file a publishable complaint with the CFPB. | ||||||
| 10/15/2023 | Yes |
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| On XX/XX/XXXX I added a XXXX card to my PayPal wallet and sent money to a friend, as I have done many times previously. I am a secondary user/cardholder on said XXXX card . On XX/XX/XXXX several transactions were attempted on my XXXX card ( these were recurring monthly charges ) I had forgotten to change the primary card on my account so the XXXX card was still set as my primary payment method. There wasn't enough money on my XXXX account to cover the charge and because it was still linked to my PayPal, the recurring transaction then attempted to pull the funds from my PayPal account. This transaction was also declined because I had no funds in my PayPal account. XX/XX/XXXX I was sent an email from PayPal asked to provide documents to prove the cards I linked to my account belonged to me and to provide proof of identity. On XX/XX/XXXX I submitted the requested proof in the form of account/transaction summaries that included my name, address, card info etc that clearly showed the accounts i had linked to my PayPal were in fact, mine. PayPal responded on XX/XX/XXXX stating that my information was being reviewed. Then On XX/XX/XXXX I got an email from PayPal saying my account was permanently limited due to violation of their terms and " suspected '' ( PayPals wording, not mine '' ) risk. I dispute this, all cards linked to my PayPal account are in my name only and/or I am an authorized secondary account holder/cardholder/user. I provided proof of account ownership to PayPal as requested however they only allow 2 documents to be submitted in a response to their request. I included a note in my response that said I will send proof of account ownership of all the cards on my account if necessary. On XX/XX/XXXX I emailed the Executive Office at PayPal and explained my situation. I asked for the limitation to be removed and if that was not possible that the money that remained in the account be refunded to me via paper check and my account be closed. I received a response on XX/XX/XXXX that did not resolve my problem and offered no further explanation of their reasoning for my account limitation. On XX/XX/XXXX I emailed the executive office again and have yet to hear back. On XX/XX/XXXX I filed a complaint with the XXXX that ultimately did not resolve the problem with PayPal. I have a balance of {$31.00} in my PayPal account, that I can't access because my account was limited without warrant - I did not violate any terms nor have I ever engaged in risky behavior while using PayPals services or any money services, for that matter. | ||||||
| 01/25/2019 | Yes |
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| First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX that follows. 2. I'm watching my balance as I'm selling things on XXXX because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 3. Paypal notifies me by email that an XXXX buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit. | ||||||
| 09/07/2022 | Yes |
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| I attempted to purchase two XXXX hats on XX/XX/2022, from a website that gave me the impression it was selling XXXX products ( at the following link : XXXX XXXX XXXX ). After setting up an account and going to checkout from the shop website, I was given the option to pay through PayPal. After selecting PayPal, I was redirected to PayPal where I entered my contact information and continued to complete the purchase. Only after completing what I thought was a purchase, was I informed that PayPal had directly transferred the money for the transaction from my bank account to a separate private bank account of someone named XXXX XXXX ( email address : XXXX ), rather than treating the transaction as a purchase. It has been over a month now since the purchase and I still have not received the items I ordered or any information regarding shipping, refunds, etc. PayPal does not allow me to contact the seller through PayPal. I attempted to contact XXXX XXXX via the email provided by PayPal on XX/XX/2022, to request a status update, but I never receiving a response. Additionally, I have tried to contact the shop through the contact form on their website ( XXXX XXXX XXXX ) at least 10 times across multiple different days : my first attempt was on XX/XX/2022, my most recent attempt was on XX/XX/2022. Every attempt fails, only yielding the response : " There was an error trying to send your message. Please try again later. '' The website provides no other means for contacting the seller. Because I never received the items purchased, I opened a dispute on PayPal regarding the transaction on XX/XX/2022. PayPal 's online forms did not provide an appropriate dispute type regarding the transaction, so I requested more information regarding the transaction and hoped to enlist PayPal 's support in resolving what had occurred. PayPal closed the dispute on XX/XX/2022, after providing me with no additional information or support in recovering the lost funds through what I suspect was a fraudulent transaction. It is unclear whether PayPal made any attempt to contact the seller or gather additional information on my behalf. PayPal will not allow me to reopen the dispute or submit another dispute regarding the purchase despite the fact that they closed the original dispute without actually providing any form of support or compensation. I was provided with an email address to follow up with in case I had any additional questions ( XXXX ). My subsequent email to that address, which was sent on XX/XX/2022, has not received a response after 9 days. | ||||||
| 08/31/2022 | Yes |
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Web | Older American, Servicemember |
| I've had a paypal account for quite some time now. I do not own any businesses nor do I use paypal for business purposes. I use paypal for personal friends and family only. On XX/XX/2022 I received a payment to my paypal account which is XXXX - in the amount of {$2500.00} from XXXX XXXX. This payment was not associated with paypal or any paypal transaction. This was money owed to me by XXXX XXXX. When I logged into paypal to withdrawal my funds to my debit card, I learned paypal permanently limited my account. I did not violate any of their user agreements nor did I do anything wrong to paypal. They asked for a utility bill, bank statement and photo id which I provided immediately. They still limited my account- although all my documentation was 100 % correct. Now paypal has placed a hold on my funds for 180 days, in which everyone knows on or around day XXXX, paypal will confiscate the money for theirselves and steal from their customer. This money is my money that was paid to me by XXXX XXXX and governed by the XXXX XXXX XXXX. Paypal is not allowed to take these funds or govern these funds in any way. I am an elderly XXXX XXXX XXXX man who has alot of medical bills and this money is needed to pay those bills. Paypal will not be keeping my XXXX in any fashion. Holding my funds is elder financial abuse in the state of PA and also violates the Pennsylvania XXXX XXXX laws since this is casino money. I can not wait 180 days and will not be subject to paypal taking my funds for " damages '' like they do to all their customers. I'm in dire need of withdrawing my funds and will be filing complaints with state department on aging for financial abuse and the PA XXXX XXXX for illegal holding of casino money. I ask that paypal remove my limitation so that I can withdrawal my funds and then they can close my account, as I don't want to do business with any company who doesn't abide by financial protection laws and makes their own rules. Paypal username is XXXX. Again - I use paypal for personal reasons only. No business involved and no business income. I'm XXXX XXXX XXXX retired and sick. I want my {$2500.00} now. It's a coincidence that they limited my account as soon as I received a large payment. This is paypal 's normal course of action. Limit an account and place hold on funds- wait 170 days and then take the funds and claim a user violated some policy. I never saw any policies from paypal and will not be subject to elder financial abuse. I've also filed complaints with XXXX, Office of PA attorney general and PA XXXX XXXX | ||||||
| 01/07/2021 | Yes |
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| I am trying to close my paypal account. Paypal says I can not because there is a transaction 'in process. ' That is false by any reasonable definition of the term. I can prove the following about the transaction claimed to be in process : 1. Seller sent a shipping notification 2. The item purchased was delivered and is in my possession 3. My bank statement shows funds for the item were transferred 4. Paypal itself does not mark the transaction as 'in process ' in the 'activity ' menu showing all transactions I am attaching an invoice from the seller showing a transaction status of 'shipped, ' which I have confirmed on the phone with the seller indicates the transaction is considered complete from its perspective. I can provide further documentation that funds have indeed left my bank account for this purchase. In fact those statements are true for ALL transactions listed on my paypal account, with appropriate qualification for statements 1, 2 depending on the nature of the item purchased. Attempts to resolve with paypal : 1. Multiple online message conversations with customer service, for which I have records 2. Two phone conversations with an actual paypal employee via their customer service line Paypal 's responses have been at times nonsensical, at times conflicting, and always have ignored the basic fact that I can show every party to the transaction considers this transaction closed. As an aside, and possibly the subject to another complaint : The following is the reason I was trying to close my paypal account to begin with. Paypal abruptly removed my bank account, my main source of funds for the service. Once again, its explanations for doing so were difficult to come by in the first place and, when given, were nonsensical. For example, paypal suggested my bank had changed its routing number causing the failure and removal from paypal. But that is not true ; I used the same bank account to transfer funds just days before ; there were ample funds in my account for all purchases I have attempted to make. Paypal via customer service message app claimed it would resolve this issue by scheduling a call with me. That has not yet occurred after about a week, as of this writing. A quick check of the paypal XXXX shows this service summarily abuses customers, and that has been my experience. A poorly maintained, poorly operated service that does not deserve anyone 's confidence and should be more tightly regulated. Thankfully I do not need to use this service, e.g. for my business, and will get out as soon as able. | ||||||
| 05/09/2019 | Yes |
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| On XX/XX/2019 I loaded {$300.00} on to my PayPal account via in Store load at XXXX. The money posted to my account and confirmed by PayPal via email. The email further stated that these monies were available to be used. Shortly after I attempted to make a purchase from XXXX using my personal credit card as well as the funds I placed within the account currently managed by PayPal, which is a custodial account held by XXXX XXXX XXXX XXXX. Each time I attempted to use my funds i received an error message, so I contacted the PayPal support Customer Service line. After being placed on hold and finally speaking with a representative named " XXXX '' ( PayPal ID # XXXX ) I requested to speak with an American representative and/or manager since he could not understand my request to utilize my personal funds via the financial instrument of my choosing. The representative replied that there are no American Representatives or Managers. I Then asked if there was a manager that was capable of understanding my request. After the call was transferred I was greeted by the PayPal supervisor, " XXXX '' ( PayPal ID # XXXX ) who began to access my request, the call was a total of 2 hours and minutes and the managers last declaration was to contact technical support because on PayPal 's end everything was fine, and available however i attempted to transact my account with PayPal across several devices and doing so while engaged with " XXXX '' who stated he was monitoring my account while still displayed no errors messages. I has come to my understanding that he and his immediate team members were all purposely preventing my from transacting the account. The call was on a recorded line which I personally recorded as well for my own protection and it can clearly be heard that the employees in the background were slanderous and have incited the defamation of my character and my financial activity. There was no resolution provided. I then attempted to to transact my PayPal balance by within PayPal 's very own Digital gifts webpage I attempted to purchase for myself an XXXX gift card, and the transaction failed and then PayPal placed a limitation on my account. The manager XXXX further said that I needed to be transfered to this account, he said it appeared that someone was trying to use my account although he confirmed that the only account accessing the account was the XXXX browser IP address, which I am currently using. The evidence in this matter is overwhelming. That PayPal is, was, and has been treating consumers unfairly and viciously. | ||||||
| 04/01/2019 | Yes |
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| I opened a second account with PayPal for my new business. I thought I could use a pseudonym when opening the account as this was for business purposes, and since I already had a personal account. I used all my legal information such as my SSN, address, and phone number, but used a different name. After opening the account, I made some sales, and had {$10000.00} deposited into this account from the sales I made. When trying to withdraw the money, they put a hold on the account and asked that I verify my information. I sent them a copy of my drivers license ( which has my picture, and address, social security card, and bank statements ( which also show my name and address ). They rejected these documents but gave no reasoning. I called them and asked why they were withholding my money, and why they are doing this only AFTER the money was deposited. They told me that because my PayPal name didn't match my legal name, they were withholding the money for 180 days. So I asked what I can do to change this, and they directed me to the settings on my account which allows for a name change. The settings state : Update your name ( use your full name instead of a nickname ) ( I am attaching a screenshot of this setting ). So I proceeded with this change, I submitted the docs they required for this which is my drivers license and my bank statements. After submitting these documents, they sent an email stating that they reject the request. I then called them to inquire why they rejected it, as I followed their instructions, and the instructions on the page specifically states that I am able to make a name change. They told me that the name change is only for businesses, but when I told them that the account is a personal account and not a business account, so how would they have business settings on it, they changed their story and said the name change setting is only if your name is XXXX and you used XXXX or if your name is XXXX and you used XXXX to open your account. I asked them to direct me to this in their policy as I couldn't find it anywhere and they told me they couldn't and wouldn't talk to me about it any further. I asked to be directed to a supervisor or manager that can help me with this situation and was told that this was as far as I can go, and that they wouldn't help me any further. This money is my what I have to live on. I have delivered the products to the buyers and need this money to pay my bills. I can't believe that PayPal has acted in this manner and is now refusing to allow me access to my money. | ||||||
| 12/15/2016 | Yes |
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| i started using paypal about 2013, never had an issue receiving daily money from cusotmers, as i was a XXXX. during this time i was employed with another company within the same field. Then i decided to expand my product range, so at the time i was unaware of the risk of the product it was, neither was paypal.. After making a few sales of high amounts, paypal, limited my account and asked for verification which was completely understandable, upon verification my account was back to normal, during this time i was building jelesousy of the company i worked with, i started selling on ebay, and very soon, fell victim of a very targetted attack more or less seemed, unstoppable, after making $ XXXX, in sales approximately within 2 months.. i started getting, returns ... ( without the item ), ofcourse paypal in the protection of the buyer issued refunds.. during this time they had already added a reserver to my account which was XXXX % of daily sales, on a 90 day reserve. my account balance was at $ XXXX, with XXXX, in reserve. after receveing numerous disputes regarding items, which it became apparent it was a targeted even bcause all $ XXXX in sales, were disputed. i have shipping records of item being shipped, and yet paypal still refunded money. Paypal during this time, apparently missed 3 years of reesearch and linked me to an apparent account i had 7 years prior to that i had no knowledge, during that time, they did n't ask for a social security number.. after figuring out that i was linked they shut me down, i was no longer able to acess my funds, they literally shut my business down. i appealed numerous time, as a matter of fact they even told me that they do n't have to talk tot me because im no longer a paypal user.. -- i said fine. my account was negative XXXX the following day, - wow, they send me an email saying my paypal was restored, so i mmididately paid the XXXX, for them to go right back and limit me once again. i logged off for a few months, and now the account has reached dispute refunds for more thani even generated i called expressed my concern that all the buyers had the common email address and they ignored the fact. .. then about 10 months later i receive notice that i have another account, that was opened by my employer during that time frauduently, ofcouse because they have my id and social they linked me, i asked how they got it, and they replied that i submitted the items to take over an account that is XXXX in the hole.. ... why would anyone want to take over an account that is negative. XXXX. | ||||||
| 01/13/2022 | Yes |
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| Without previous notice, Paypal sends us this email and withhold our balance of {$28.00} USD and future subscriptions payments of {$7000.00} USD for XXXX and {$1900.00} USD for the current month 's trial suscriptions. We have reviewed all their Acceptable Use Policy and we dont breach any of the https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full We are a legit business registered as a C-Corp in Delaware since XXXX that have had to change our business model from offering XXXX services to the Travel Industry to now offering XXXX XXXX on our own platform for small business. Al we sell is our own XXXX XXXX and services and all are legit. This situation is affection our business as customers that like to use Paypal to pay for our services now cant and they think that is because we dont want to let them use their favorite payment service... We tried to contact them by phone, several calls with several reps ... none of them been able to help, so we decided to raise a claim. Email from : PayPal You can no longer do business with PayPal ( Ref ID - XXXX ) After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason14 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. We regret any inconvenience this may cause. Log in to PayPal | ||||||
| 09/25/2021 | Yes |
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| This is XXXX XXXX Paypal account email address is XXXX. I Received A Response To My PayPal Message Center Chat With A PayPal Representative On XX/XX/2021 At XXXX Saying That I Will Be Receiving A Email Around XX/XX/2021 Advising Me That I Can Withdraw My Funds. It's Now XX/XX/XXXX And I've Already Received The Email From PayPal Informing Me That I Could Withdraw My Funds But As I Expected PayPal Is Giving Me A Run Around Saying I Still Have To Wait 180 days. I've Already Waited 180 days, I HAVE Proof, One Is Actually Saved In My PayPal Message Center Incoming Box/ It Can Be Found As It Is Dated XX/XX/2021 At XXXX And It Was Sent By XXXX XXXX PayPal Representative. Also I Have The Email That I Received From Paypal Informing Me That I Could Withdraw My Funds Now. Even Though I Have Documented Messages Saved On PayPal 's Customer Service Message Center and A Email From PayPal, PayPal Has Told Me That I Still have to wait 180 days. PayPal Has Incorrect Information Regarding My Accounts Limitation, The Records PayPal Supposedly Saves Is A Joke. Every PayPal Representative I Talk to Tells Me Different Information About My account And Different Withdrawal Dates, PAYPAL obviously Can't Manage Their own Customer Account Data records. But PayPal Somehow Still Acts Like I'm The One Who Is Incorrect And I'm The Reason My Account Was Limited. The last response I received from paypal was a executive Escalations Department Representative Agreeing And Validating That A PayPal Representative Instructing Me To Create A New Account And Told Me When To try to Transfer Money, Knowing My Account Would Be Permanently Limited By Doing So. AGAIN The Representative Confirmed That It Was True That A PayPal Representative While On The Phone With Me, Instructed Me To Do Actions That PayPal Knowingly Knew Would As A Result Cause A Permanent Limitation. No Other Business Operating In The World Today Activity And Knowingly Persuades And Instructs Account Holders To Do Actions That Would Cause Said Account Holder To Have His or Her Account Locked. THIS SHOWS THE INCOMPETENTS, DISGUSTING BUSINESS ETHICS, AND FRANKLY FRAUDULENT WAYS PAYPAL OPERATES THEIR COMPANY. PayPal Knew The Actions They Instructed me to make would Cause my account to be permanently limited. PayPal should have a investigation Performed On Every Department And If An Investigation Were To Be Done On PayPal, I'm sure PayPal Would Be In Hot Water And Be in a lot of trouble. PayPal should be Shut down For Their Own Customer service representative Fraud And INCOMPETENTs. | ||||||
| 04/29/2021 | Yes |
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| On XX/XX/XXXX, I processed a Payment Amount of {$9200.00} USD through my PayPal account. The PayPal Card Reader did not work, so I entered the credit card number manually. On XX/XX/XXXX, I tried to access the funds, but received an ambiguous Error Screen that the service wasn't available. I contacted their customer support on XX/XX/XXXX, at XXXX XX/XX/XXXX, and was told that I needed to provide further information for the transaction. I promptly supplied all of the requested information, and was informed that the funds would be releases within 3 business days. I waited until XX/XX/XXXX, tried again, and received the same ambiguous Error message. I contacted Customer Support @ XXXX and was told the team that reviews and approves these transaction was running behind, but that I would be approved within 72 hours and the funds made available. I attempted to access my funds on XX/XX/XXXX, and received the same error. i contacted customer support again @ XXXX, and was asked to be patient, and that they were processing my request. The agent, XXXX suggested it would be faster if I simply refunded the amount, and created an invoice. XXXX did NOT tell me that PayPal would, instead of refunding the {$9200.00} they were holding, attempt to take that amount from my personal checking account, nor did she tell me that they would keep the {$320.00} fee. I am now incurring overdraft fees of {$32.00} every time PayPal tries to take that {$9200.00} from my personal checking. On XX/XX/XXXX, I tried to contact Customer Support, and remained on hold. During all of this time, I also engaged with Customer Support via PayPal 's XXXX support. They offered no help, and took over 3 hours on average to respond, the longest time being over 12 hours. On XX/XX/XXXX, I contacted PayPal customer support again, and had a conversation with XXXX named XXXX ID # XXXX. XXXX was condescending and rude. He told me that they were keeping the fee because I had the money. My response was, NO, I don't have access to the money, because PayPal had never released the funds, to which his response was " I'm looking at it in the wrong way ''. He finally agreed to escalate the situation, after telling me he was the highest authority I could speak with at PayPal. He told me that he would issue a credit of {$100.00} toward the {$320.00} fee, and that the credit would be seen in my account within 24 hours. He also told me that the funds would be released within 24 hours. It is now XX/XX/XXXX, and none of the promises that PayPal have made have been honored. | ||||||
| 03/22/2023 | Yes |
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| My PayPal account was used for an unauthorized transaction of {$200.00}, as soon as I saw the transaction, I contacted PayPal and reported it. I opened a claim XXXX XXXX PayPal acknowledged the fact that the someone used my email and password associated with my PayPal account to checkout and pay for services. PayPal prompted me to change my password, and I did as requested, and they opened an investigation. After over a month of going back and forth, PayPal decided to pursue this investigation as order was not delivered, which wasn't the case here. They shared a tracking number for an order that was delivered to an address somewhere in XXXX to someone, although I clearly explained to them that this was unauthorized transaction, they purposefully or carelessly decided to pursue this case as order not received. They decided that given that an order was received, then there is no refund, and told me if you don't like this decision, submit a complaint. PayPal appears to be neglecting the fact that alleged order was delivered to someone that has nothing to do with me, and to an address that has nothing to do with where I live. I contacted them again to iterate the fact that they clearly didn't do their due diligence and they should have pursued this as unauthorized transaction and submitted another claim, eventually decided that no unauthorized transaction occurred and denied the claim again, even though the evidence is clearly obvious to you that someone has had access to my account, made an order and had it delivered to them. They came up with a bogus excuse that the account was used from a so called trusted IP address, but when I confronted them with more details, they didn't respond. I repeatedly explained to them it's unauthorized transaction the point of concern. PayPal is egregiously refusing to refund for a fraudulent transaction. PayPal team acknowledged the transaction was done by someone who had access to my email and password. They are implicitly accusing me of making something up because they say an order was delivered, regardless of how many times I tell them I had nothing to do with that order, as it clearly shows a different person and address associated with that order and tracking number. I contacted the claims appeal department repeatedly to ask them on what basis did they decide that the transaction was not " unauthorized '' but they neglect my emails. I am very disappointed with them, they didn't honor the zero liability protection and they just keep coming up with an excuse after another. | ||||||
| 09/30/2023 | Yes |
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| I was trying to call XXXX Support for an issue I had with my XXXX TV account. The website came up and had a big XXXX Certified logo and the number came up on the screen just like it normally looks on the XXXX, so I called. It starts out seeming like a regular support call. It is hard to hear him due to some choppiness so he states he is going to call me back from his direct line. He does. I go through the regular questions, name, email, etc. Then they say they need to remote into my phone so they can help me trouble shoot what is going on. They asked me to download the XXXX app and they remoted into my phone. They said my validation was expired and that they need to troubleshoot an issue with my card and my account. That didnt work and they asked me to open Venmo to validate my payment method that way. Im distraught at this point, things dont seem right. I hang up and try to re-check the website I had gotten that number off of, but he keeps calling me back. I answered and was arguing with him about all of the things that had transpired so far and he said, weve frozen your Venmo account so nothing will actually come out. This is just a way to validate your payment. He kind of talks me down and then proceeds to ask me to send multiple payments to 4 different accounts. And when a pop up came up saying insufficient funds I finally just hung up. Deleted the anydesk app. Contacted Venmo immediately, which was extremely difficult. I couldnt get through to anyone and had to send a message through the contact portion of their site where I reported the payments and told them what happened. There was no way for me to cancel or stop the payment in the Venmo app, I did look and try. They tried calling me back many times after I had hung up and was trying to contact Venmo. So I blocked all 3 numbers they were using. XXXX the number I initially called from the website. XXXX his direct line XXXX another line The Venmo accounts were XXXX for {$250.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23 and payment to - XXXX for {$240.00} on XX/XX/23. I also contacted my bank and locked down my bank account and card and told them what happened. They said no money would be able to be taken out of my bank account. They opened up a new bank account and moved my remaining funds into the new account. Ordered a new debit card. I deleted my Venmo account later that night I have put a freeze on my XXXX report, so far. Ive reported this to the Federal Trade Commission as well. | ||||||
| 01/24/2018 | Yes |
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| My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX. | ||||||
| 05/16/2023 | Yes |
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| Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint and appeal against the permanent limitation imposed on my PayPal account. I believe this limitation has been placed in error, and I would like to request a thorough investigation into my case and the reinstatement of my account, if deemed appropriate. Firstly, I wish to emphasize that I have not violated any of PayPal 's policies. I have been a long-standing user of PayPal services XXXX and I have consistently adhered to all terms and conditions set forth by PayPal. I have always strived to maintain a strong and honest relationship with PayPal, utilizing its platform for various personal and business transactions. Given the aforementioned points, I am confident that this limitation is a result of an oversight or misunderstanding. It is disheartening to encounter such an issue, especially considering my commitment to abiding by PayPal 's policies and fostering a trustworthy relationship with the company. I kindly request your reconsideration and a fair examination of my account activity. I kindly urge PayPal to conduct a comprehensive re-evaluation of my account and its associated transactions. I am confident that upon thorough scrutiny, it will become apparent that there has been no violation or wrongdoing on my part. I sincerely believe in the integrity of PayPal 's systems and trust that a re-investigation will lead to a just resolution. For your reference, the email address associated with my PayPal account is XXXX. I kindly request that any future correspondence regarding this matter be directed to this email address for prompt attention. I understand that PayPal has a duty to maintain the security and integrity of its platform, and I fully appreciate the measures in place to protect all users. However, I firmly believe that in my case, an error has occurred, leading to the unjust permanent limitation of my account. I trust in PayPal 's commitment to fairness and request your utmost attention to this matter. In conclusion, I respectfully appeal to PayPal to re-evaluate my case, consider the absence of any policy violations, and reinstate my PayPal account, allowing me to continue benefiting from the convenience and reliability that PayPal offers. I am confident that a review of my account activity will affirm my innocence and restore my account to good standing. Thank you for your attention to this matter, and I eagerly await your prompt response and resolution. Yours faithfully, [ XXXX XXXX ] | ||||||
| 04/27/2023 | Yes |
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| Hello, Id like to first state how PayPals customer service is the worse of the worst Ive ever experienced. To say the least is quite an understatement. The agents are rude and dismissive with no integrity whatsoever. This issue is in reference to ( ID - XXXX ). On XX/XX/XXXX I received a message from XXXX XXXX stating why there was a permanent limitation placed on my account. Which states there was a high level of risk associated with my account, specifically, a history of sending and receiving payments from another PayPal account in my name. Yes, that is correct. When did it become an issue to send money to myself in which I have been doing so for a little over 5 years now ( DUE TO MY CONVENIENCE WITH NO ISSUES UNTIL NOW ). Both accounts under XXXX and XXXX belong to me. One is used to send money and the other to make purchases. Upon the temporary limitation being placed on my account, I was asked to provide certain documents and an explanation on specific transactions and the reason given was very much clear. XXXX XXXX also states that PayPal reviewed my Account and determined they were unable to mitigate the risk associated with my Account and determined the explanation was not sufficient for my payment activity. I was personally sending money to myself. How else am I supposed to explain that and why is that an issue almost 6 years of doing so??? Seems like PayPal needed an excuse to permanent limit my account after they put a temporary limitation on it, also, after the confirmation of my identity. If me sending money to myself is the reason why my accounts has been suspended than that should have been stated in the very first few messages Ive received. Yet, instead Ive received different reasons concerning why my accounts has been permanent limited. To sum it upPayPal was not 100 % clear nor was there clear communication on their end of comprehension referring to the suspensions of my accounts. On both accounts Ive done absolutely nothing wrong that contributes to PayPals policy. I am very well aware of my rights and this is against the law. I have contacted my attorney, he also stated that there was absolutely nothing in the user agreement that qualifies for the limitation being put on both of my accounts. Ive already taking this matter to the small claims court, as I feel this issue has become inconvenient for me and has gone way further than needed. I would like both of my accounts reinstated. If my issue is not resolved I will be force to take this situation to the federal courthouse. XXXX XXXX | ||||||
| 02/13/2023 | Yes |
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| Good Morning, Good Afternoon, Good Evening On XX/XX/XXXX, my mother send me money threw paypal so I can pay the rent. Note : I am already late on rent and if it gets passed the XXXX I could face the landlord kicking My XXXX XXXX XXXXXXXX son and me out. However I have the money in my account and everything should be good. Nope, paypal is holding my money without any strikes on my account. I called them on the XXXX of XXXX to explain to them my problem and the operator said to me, because you attempted to transfer this money a lot of times your account has been locked and you are unable to send money to any account. Mind you the money they are holding is {$1200.00}. They told me {$640.00} is available for me to use however as you know that was a lie. They told me to wait 24/48 hours to attempt again. Which I have the patience to do. So I waited 24 hours to call back. I called them back after 24 hours and they told me the same things 24 hours ago. My account is locked and to wait another 24 hours. So I waited another 24 hours and today is the XXXX of XXXX. I called before making any transaction so I don't risk my account being locked again for another 48 hours. The first time I called she told me you should be able to send money now since it has been the time frame, and told her mama I am unable to send money to my account at all. At this moment it is giving me an error code on the screen to try again later. She then processes to tell me " I have to wait another 48 hours for my account to unlocked ''. I just flipped at that point, because I already waited 48 hours the one time and now you are tell me to wait another 48 hours for something that I need ASAP. I process to tell her to get a manger. Mind you my account does not have any history of charge back, fraud, or anything of that nature with money. The manger gets on the phone after 30 minutes, and tells me you are able to send money now. Now when a manger tells you something you would think it is true and I got off the phone thanking him for helping me out. I get on my paypal account to attempt to send {$640.00} to my bank account, however I get that same error code. At this moment I am upset and I called them back. I get a manger on the phone for the second time and he told me this in his exact words. '' PayPal does not feel comfortable sending your money out '' I asked him why do they not feel comfortable sending my money out and my account is in good standing and he could not answer the question. All he told me to do is wait 24 hours to try again. | ||||||
| 04/12/2021 | Yes |
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| In XX/XX/2020, my brother was meant to send me funds in the amount of {$160.00} for personal reasons. Upon making the transaction, the PayPal app glitched and the funds were sent to a woman with the same first name but with the last name of XXXX. He immediately filed a dispute with PayPal, he had no contact with his bank, and the funds were seemingly returned - he sent the funds to me after he received them. On XX/XX/XXXX, I received an email that advised I owed PayPal the - {$160.00} because my brother filed a dispute against me for the monies. Please note, I immediately called him to ask about the dispute ; he advised that he only filed the one dispute and doesn't even have a confirmation email to support the claim. We called PayPal together the same day and advised that it was an error on their end. The agent responded that my brother was the one who filed the claim and it was my responsibility to pay it. I requested a supervisor and we were later disconnected. On XX/XX/XXXX, I was called 4 times by PayPal who requested their payment. I advised that it was not my error for the dispute and requested a manager ; they also charged me an additional {$15.00} for not paying them ASAP. I was transferred to XXXX, XXXX XXXX, who was rude and inconsiderate in his responses and blamed my brother who filed the dispute - he advised he doesnt have the dispute nor the funds to reflect that it was received back into his account. We offered to send the bank statement as proof of missing money and he declined advising, that PayPal does not accept documentation, even for a dispute against them! I thought it was suspicious that they wouldn't accept proof that we did not receive the funds. After almost an hour of requesting a solution other than me paying ( like a formal dispute, investigation, etc ) I requested someone higher, and was denied one because it was against their P & P 's to do so. When I advised that the customer service was lacking, he promptly responded with " I'm not customer service, I am in collections '' As a trainer for a company, I understand there is an element of customer service within Collections and he was just snarky the whole time. I explained that I needed it to be corrected because it was their error for the dispute that was filed against me and I needed that money to pay for a roof over my head because I care for my grandparents and mother, who currently isnt working due to COVID and XXXX XXXX. I don't have the money to pay them back and it wasnt my fault they filed on behalf on my brother. | ||||||
| 04/17/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences. | ||||||
| 06/26/2019 | Yes |
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| On XX/XX/2019 I made a purchase of tickets on XXXX. One of the payment choices was PayPal, so I chose PayPal and when I was redirected to Paypal I selected the PAYPAL CREDIT option for payment. This option allows you to use a predetermined line of credit to purchase items online. Since I had available credit of XXXX and I was trying to charge XXXX to the line, I knew it would be ok. I followed the prompts and eventually I was returned to the XXXX XXXX site and completed the transaction. About 25 minutes later I realized I had purchased the wrong tickets. SO, I called XXXX XXXX and was told no refunds but that I could try to resell the tickets on their site. I wondered if I might have some relief from PayPal so I contacted them. When I described the transaction, the rep from PayPal told me that her records said that I did not use Paypal credit to complete the purchase but rather that the purchase was made using my checking account instead. Now it is true that my checking account was the default payment source but I had EXPRESSLY selected PAYPAL CREDIT to be the payment source for the ticket transaction. I pointed out that I felt this was an unauthorized debit against my checking account as I had only intended to charge this purchase. I pointed out that nothing warned me that my checking account was about to be debited. After checking with her support team she reported back that their had been a 'reported glitch that apparently resulted in some people selecting PayPal credit only to have the payment debit another source instead ''. She said that it was because of some kind of merger or transition involving XXXX XXXX. I guess XXXX is the bank that provides the PayPal Credit account. I accepted her explanation but asked what they were going to do about it. She said there was nothing she could do. SO the effect was that PayPal ignored my direction to charge the purchase to the Pay Pal credit account but instead used my checking account to pay for it. Mistakes are made but what has me angry is that there was no effort to solve this problem. I later attempted to purchase another set of tickets using Pay Pal credit, and I was crystal clear about my selection to pay using the Pay Pal Credit account and it definitely did not work the second time either. When I called PayPal support about the second instance, they said there records showed that I selected the bank account for payment. I am absolutely certain that in both cases I had selected Pay Pal credit as the payment source. They simply do not believe me. | ||||||
| 05/08/2019 | Yes |
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| I am writing you to show documentation and to seek resolution for my open fraud case with Paypal and XXXX XXXX XXXX. I, myself, am a PayPal user and have had a PayPal credit line since XX/XX/XXXX. My personal account is not involved in this case. In XX/XX/XXXX, I had my credit card compromised and it was used to open up another Paypal account in XX/XX/XXXX using my name and an email address the thieves set up in my name - that is not associated to me - and made several charges. The credit card that was used has NEVER been linked or used on my personal Paypal account. On XX/XX/XXXX, I made a claim with the bank " XXXX XXXX XXXX '' and with PayPal notifying them of the false account and charges. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, that PayPal stated that all charges were valid, despite me never opening the account or purchasing anything. I was directed to contact PayPal, the merchant, to further my fraud claim. Since doing so, I have contacted them every 7 to 10 days for further explanations. Each phone call, I have to give the same information repeatedly only to be told a refund would be issued to me in 7 to 10 business days. I have 3 different case numbers associated with my case. - On XX/XX/XXXX, PayPal refunded 1 of the charges for {$32.00} to the credit card account. - They refunded another charge on XX/XX/XXXX of {$32.00}. - On XX/XX/XXXX they mistakenly refunded a charge back to the fake fraud account and sent the money back to me on my real PayPal account in the amount of {$32.00}. On XX/XX/XXXX, I received a collections notice from PayPal that the fraud account has been over drawn in the amount of {$280.00}. I wrote a letter to the collections company XXXX, stating that this account was not valid and referenced the case numbers I've been given. Today, I received another notice from the collections company that PayPal has said all charges are valid and the debt is owed in the new amount of {$350.00}. The fraudulent account was taken into the negative on XX/XX/XXXX, more than 4 weeks after I first notified them that the account was fraudulent on XX/XX/XXXX. I need another party to intervene on my behalf. The credit card company XXXX XXXX XXXX will not help me because PayPal said the charges were valid initially. PayPal claims to have closed down the fraudulent account and did refund 3 charges, but I am still owed {$500.00} and the collection company needs to be made aware that the debit of {$350.00} is not valid and the collection efforts need to be canceled. | ||||||
| 04/13/2022 | Yes |
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| I am a XXXX customer of PayPal and am relatively comfortable with using the XXXX XXXX assistive feature on my XXXX XXXX to navigate accessible features and apps on the XXXX. A friend of mine made an airline purchase for me with the agreement I would reimburse him via PayPal. I have used PayPal successfully for years and felt confident with its app. To make the payment, I used the Search feature on PayPal and entered my friend 's email address. PayPal then located what I believed was my friend 's PayPal account since I typed in his email address. Because I am XXXX, I am not able to identify another customer by an avatar, and because the account name PayPal was " phonetically '' identical to my friend 's name, I entered the payment amount and sent it. To my horror, when I contacted my friend to confirm he received payment, he said he did not. I called PayPal to report the incident and discovered I sent the payment to the wrong person because -- and this is critical -- PayPal gave me the wrong account even though I typed in the correct email address. I had to escalate the call and make several attempts because each time the PayPal representative said it was not their fault but my fault. I finally had a supervisor type in my friend 's email address in the PayPal search feature, and she came up with the same incorrect account. The two names were spelled differently but were phonetically identical. My friend 's name is XXXX XXXX. PayPal instead directed my to XXXX XXXX. This incident occured on XX/XX/2021, and the amount was for {$520.00}, I believe. I did try to cancel the payment but it was already accepted by the wrong account member. I also attempted to email the mistaken account member but received no response. PayPal 's only comments were to wait two or three days to see if the other person responds, and if not, there is nothing they could do. To summarize, I am XXXX, I typed in the correct email address for my friend, PayPal 's system gave me the wrong person, I sent the wrong person {$520.00}, this person did not respond to my requests to return the money sent in error, PayPal duplicated this error on their side and admitted it must be a quirk in their algorhythm, but said there was nothing they could do further. I am hoping there is some legal or ethical precedence to hold PayPal accountable for not only refunding my funds sent in error due to their site, but also to force them to evaluate and correct this error that might and probably has affected other XXXX, visually impaired customers. | ||||||
| 05/31/2023 | Yes |
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| Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation imposed on my PayPal account, under the email address XXXX. I firmly believe that this limitation has been placed on my account due to a misunderstanding or mistake, as I have not violated any PayPal policies or engaged in any unauthorized activities. Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user without any previous incidents. It is with great surprise and concern that I received the notification about the permanent limitation on my account. I have always adhered to PayPal 's terms of service and have maintained a clear understanding of the policies outlined by your esteemed organization. I kindly request that you reconsider and re-evaluate my case thoroughly. I urge you to conduct a comprehensive investigation into the circumstances that led to the imposition of this limitation. I am confident that a review of my account activities will reveal no violation of PayPal 's policies, as I have consistently conducted legitimate and legal transactions within the framework of the service. In light of the above, I respectfully request that you restore full access to my PayPal account. I understand that mistakes can occur, and I am hopeful that this limitation is the result of an oversight or misinterpretation. I believe in the fairness and integrity of PayPal 's processes and trust that my account will receive the attention it deserves. I kindly ask you to review my case diligently and provide me with a prompt response regarding the outcome of your investigation. I am eager to resolve this matter as soon as possible, as the limitations placed on my account have caused significant inconvenience and disruption to my personal and financial affairs. I appreciate your attention to this matter and thank you for your understanding. I remain confident that PayPal will reevaluate my case with the utmost fairness and rectify this situation accordingly. I look forward to a positive resolution and the restoration of my PayPal account. Should you require any further information or documents to assist in your investigation, please do not hesitate to contact me at the provided email address or phone number. I am more than willing to cooperate fully and provide any necessary evidence to support my claim. Thank you for your time and consideration. I eagerly await your response. Yours sincerely, [ XXXX XXXX ] | ||||||
| 06/08/2023 | Yes |
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| In XX/XX/XXXX I noticed potential fraudulent activity on my PayPal Account # XXXX. I believe the initial red flag was seeing a payment dispute that came in. I had not used the account in a while so it was odd to see a dispute. I notified PayPal immediately by chat and by calling them. I followed the steps given. Change my password and update security information. However, PayPal had already transferred money from my account. I then noticed an unauthorized withdrawal on XX/XX/XXXX to an unknown bank account. Information below. Funding Type : Bank Account Funding Source : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Funding Type : PayPal balance Funding Source : - {$330.00} USD - PayPal Account I reported the transaction to the community federal savings bank and requested they return the funds. I have not received those funds as of today XX/XX/XXXX. After this initial report to PayPal I continued to receive disputes and requests for refunds. PayPal began to charge me {$15.00} per dispute. I spoke with a representative on the phone that saw the communication history from me to PayPal. The representative then waived the dispute fees. However, the disputes and fees continued to come in. I reported again to PayPal and requested several times that my account be frozen or deleted to avoid any future issues. I was told the account could not be closed as there was an existing negative balance due to the ongoing {$15.00} per dispute being filed. Again, the disputes were due to a hacked account that I had notified PayPal of maybe a dozen times if not more. In XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX is a debt collector Reference # XXXX RE : PayPal Account XXXX attempting to collect the amount of {$400.00}. While compiling information for this report, I discovered an email on XX/XX/XXXX in my email account that was associated with PayPal at the time. The email says a trusted device was added to my PayPal account. This was not me or any authorized activity. Following after are a few emails requesting to verify small deposits made to XXXX XXXX XXXX XXXX ending in XXXX. I assume this was the unauthorized user gaining approval to link the bank account. What's odd, is these emails came in after the {$330.00} was already sent to XXXX XXXX XXXX XXXX ending in XXXX on XX/XX/XXXX. The email for amount verification came in on XX/XX/XXXX and then a reminder on XX/XX/XXXX. I'm hoping to catch the collections before it hits my credit report and regain lost funds. | ||||||
| 02/27/2018 | Yes |
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| Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. I detected the fraud in XXXX XXXX but could file final Claims with XXXX XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX | ||||||
| 10/02/2021 | Yes |
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| On XX/XX/2021, I sent XXXX bitcoin in exchange for {$73.00} USD and I re-activated my old Paypal account so that I can receive the funds. I received the payment without a problem then I transferred the funds to my bank debit card. On XX/XX/2021 I sent XXXX bitcoins in exchange for {$100.00} and received the funds via Paypal, but this time they placed a hold for {$68.00}. Paypal also put limitations on my account which prevented me from transferring the funds and they requested documentation of my transaction. I submitted all the documentation proving the legitimacy of my transaction. They reviewed what I submitted and they approved my transaction and also removed the limitations from my paypal account. However {$68.00} was still being held so I transferred the difference of my payment which was {$39.00} to my debit card. At this point I figured since Paypal reviewed and approved the documentation that I submitted I didn't think there was going to be any more issues. On XX/XX/2021, I sold more bitcoins which was XXXX. In exchange I was to receive {$69.00} in my paypal. When I received the funds via Paypal, their system didn't allow me to transfer the funds to my debit card. So I called customer service and they advised me to go to XXXX to get my funds. I thought that didn't make sense because I was going to have to pay fees but regardless I showered and got ready to head to XXXX but when I got out of the shower, my Paypal account had an new message saying that I would not be able to use Paypal anymore and they put on a permanent limitation on my account which restricts me from transferring or withdrawing my funds. They said I violated their policy and told me that they were going to hold all my funds for XXXX. They accused me of embarking in gambling transactions but they didn't send me any correspondence or specific details on why they were accusing me of this. I already sent them my documentation and I have documentation proving the legitimacy of all of my transactions. They never sent me any proof on why they accused me of embarking in gambling transactions. I found it very offensive since they are accusing me of doing illegal activities and they didn't explain anything to me or send me any correspondence. All they said was that I couldn't use my funds and that they are going to hold my funds for XXXX months. I think this is outrageous and I think the right thing to do is to give me my funds since I DID NOT engage in any sort of gambling transactions. This is absolutely preposterous. | ||||||
| 01/05/2020 | Yes |
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| Sunday, XXXX I tried to make an XXXX purchase on XX/XX/XXXX. During the checkout process, I received an error message : " We can't process your payment. Try again, or select a different payment method to check out. '' I used a credit card for my purchase and did not select the PayPal option. After several calls to XXXX support, I learned that the error message is : " Payment Validation Error - XXXX '' The final decision from XXXX support was for *me* to call Paypal to determine the reason my payment was not accepted. Paypal is XXXX 's primary transaction processor and it was probably the root cause that my payment was not being accepted. After a lengthy conversation with Paypal it turns out that my Paypal account has been blocked due to suspicious activity. Here is the notification : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. Reference ID : XXXX '' I have known about this problem for about 3 - 4 months and have been able to make credit card purchases on XXXX which should have nothing to do with Paypal and have previously worked. Now, every purchase that I try to make via XXXX is getting blocked by Paypal. Please keep in mind that I am not selecting the Paypal option, it's just that Paypal is blocking all of my credit card payments before the transaction can get to my credit card company. I have had an XXXX account and Paypal account since XXXX. I have been through a couple of reactivations where I did not use the platform for long periods of time. I don't mind and want to close my Paypal account because I don't believe they should have control over my ability to transact online commerce with XXXX. However, I am not allowed to close my account because of additional requested information. Of course, closing my account would limit my ability to sell items but I never used XXXX as a sales platform anyway. Given what I have learned during my ordeal, Paypal has the ability to hold your money for 180 days if your account is suspicious or banned. What can I do to allow standard transactions to occur on XXXX without involving Paypal? In other words, there are XXXX users that do not have Paypal accounts and are allowed to use their credit cards for payments. I would like the same courtesy. | ||||||
| 05/22/2023 | Yes |
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| Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been made in error, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. Firstly, I would like to emphasize that I have been a loyal PayPal customer for [ number of years/months ] and have always conducted my transactions in accordance with your terms and conditions. I have never been involved in any fraudulent activities, nor have I violated any of PayPal 's policies. It is disheartening to find my account permanently limited without any explanation or opportunity to rectify any perceived issues. Given my adherence to PayPal 's policies and my clean track record, I kindly request that PayPal re-investigate my case thoroughly. I believe that there may have been a misunderstanding or an error in the decision to permanently limit my account. I urge you to carefully review my account activity and transactions, as I am confident that you will find no evidence of any policy violations or suspicious behavior. Furthermore, I would greatly appreciate it if you could restore my PayPal account if the re-investigation reveals that the initial limitation was indeed unwarranted. As a long-standing customer, I value the convenience and security that PayPal provides XXXX and I would like to continue utilizing your services for my online financial transactions. I understand that PayPal prioritizes the safety and security of its users, and I commend your efforts in maintaining a trusted platform. However, I respectfully request that you reconsider the permanent limitation imposed on my account and restore it to its original functionality, allowing me to resume my normal activities on PayPal. I have attached any relevant documents or evidence that may assist in the re-investigation of my case. If there are any additional materials or information that you require, please do not hesitate to contact me at the provided email address or phone number. I sincerely hope that PayPal will give due consideration to my appeal and undertake a comprehensive review of my account. I trust in PayPal 's commitment to fairness and rectifying any erroneous actions, and I eagerly await a favorable resolution to this matter. Thank you for your attention to this complaint, and I look forward to your prompt response. Yours sincerely, XXXX XXXX | ||||||
| 04/25/2022 | Yes |
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Web | Older American |
| My problem is simple : on XX/XX/XXXX an unauthorized transfer of {$200.00} was made from Venmo to go to my daughter XXXX which she never received. I only know this because the transaction showed up on my XXXX XXXX account as a transaction from Venmo. My daughter doesn't even keep the Venmo app active on her phone unless she is expecting to make or receive a transaction. Instead of Venmo correcting the error and returning the funds to my account I talked to a Venmo rep who said she needed my daughter to call to say the transfer was not received and was not requested by her. She did so. Then we called together to explain and were told the money would be replaced on XX/XX/XXXX. We called Venmo again and were told the money went to her XXXX XXXX account. It did not ; she transferred the money back to me via Venmo at XXXX on XX/XX/XXXX. She had to download the Venmo app to do so, which she did.The {$200.00} has not been returned, we've talked to several representatives none of whom seem to be able to correct this error or even explain how it happened. And we get a different story every time. First I was told this unauthorized transaction may have happened accidently if my phone was unlocked in my purse similar to XXXX XXXX XXXX XXXX someone. Then a rep told me I tried twice on XX/XX/XXXX to send the {$200.00}. I never authorized any payment to my daughter and we have spoken to Venmo separately and together to get this resolved. I mentioned this mysteriously happened once before in XXXX. I simply got in touch with Venmo, they reversed the transaction, charged me a transaction fee and that was resolved. I disputed the fee and that has never been resolved. Now, I had to get " permission '' from my daughter for the money to be returned, she had to verify who she was before they could accept her " permission, '' and on and on. Plus, Venmo has NO NOTES on all of these calls so we have to start from the beginning each time we call or I write to the company. There is no trail of information about unauthorized payment. When I asked, what if the recipient had not been my daughter but a stranger, would I have had to get the stranger 's permission for Venmo to correct the error? I get no response to that question. The final email I received said my case was denied because the {$200.00} transaction was not unauthorized! I need my {$200.00} put back in my account. It is causing me to have to monitor my account daily to keep from being overdrawn, which is now likely to occur before the month 's end. | ||||||
| 11/19/2022 | Yes |
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| On XX/XX/2022 I sent a instant transfer from my PayPal account to my linked XXXX account in the amount of {$670.00}. The transaction cost me {$11.00} to process, making the total to a XXXX Account {$660.00}. Unfortunately the funds was sent to the wrong account ending in # XXXX, The correct account is # XXXX. I immediately contacted PayPal and spoke to the resolution department and was giving a case number and was told to wait 10 days that turn into 15 days of no responses. I contacted PayPal once more and was told the case has been resolved and completed without no correspondence of the results brought to my attention. So I was informed by PayPal to contact my bank ( XXXX XXXX to fix the problem because PayPal stated the deposit was made to my account. I personally went to XXXX and informed them of the situation and they ask for my account and the account the funds went to. I provided this information, the manager of the bank found the exact funds in that # XXXX bank account. ( {$660.00} ). We both got on the phone with the escalations department at PayPal and she specifically explained that the funds is in the wrong account. She continued to advocate for me explaining that this is something they need to fix because according to my reply 's PayPal stated they reached out to XXXX about the issue but the manager said that is false because in her system it shows no indication of such request for funds to be removed and transferred to the correct account. We was giving a new case number on speaker phone in the bank by the escalation team at PayPal and was informed that they will send the bank a new request to rectify the problems within 10 more days. I reached back out to the manager in person at the bank and we once again got back on the phone with PayPal and was giving the totally different response. ( I Quote bank manager ) where is the request you was sending to transfer funds to the correct account? This is when PayPal escalation department stated something different for the second time. myself and the bank manager was left confused to what obviously was fabricated information the previous and current person said. Paypal Never intended to follow through with sending a simple notification to XXXX bank to request that the funds be placed in the correct account. I was giving a complete run around trying to retrieve my funds with no help or assistance, just pure lies from PayPal. I also made a complaint with the XXXX XXXX XXXX and of course PayPal refuse to Reply to my complaint. | ||||||
| 03/18/2016 | Yes |
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| When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling. | ||||||
| 02/23/2023 | Yes |
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Web | Older American |
| Following is a brief account of my complaint against Venmo. There is also a record of my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX at : XXXX : XXXX Essentially, I agreed to a very short-term loan to a friend, XXXX XXXX ( our accountant of 20 years, who has fallen on hard times ), of {$1000.00} back on XX/XX/2022. I mistakenly transferred the money using Venmo, rather than XXXX, as XXXX had requested, and XXXX instantly told me I had made a mistake and that he couldn't access his Venmo account, and that he had asked me to use XXXX. I immediately called Venmo ( within 15 minutes or less ) to stop payment and their representative told me the only way was to stop payment at my bank, XXXXXXXX XXXX I did that and got my money back through the bank about two days later. Venmo has persistently contacted me since then saying that I owe them the {$1000.00}, even though XXXX has fully explained the situation to them ( I have screenshots of his email ; I can also forward my entire email chain with Venmo ), and that his Venmo account was hacked and he can't access any funds through it. He never received the {$1000.00} I sent him, which Venmo claims I now owe them. I think they want to take my money and apply it to any negative balance he has with them, but I am not his personal guarantor, and I sent him a separate {$500.00} loan through XXXX, on the same day, XX/XX/2022, to try to help him out. I believe Venmo calls me every day ( I get messages showing their number, but I have blocked it so it doesn't ring ) and emails me constantly, demanding payment and never offering to close my Venmo account with no balance owing, as I have requested ( I rarely used Venmo before ; I deleted the app in XXXX or early XXXX 2022 ). They emailed me again on XX/XX/2022, admitting that their representative had given me " incorrect information. '' I will forward it to you. Their representative told me on XXXX XXXX 2022 to stop payment through my bank. I'm sure they have a recording of that, because they accept that but still claim I owe the money. They say I was given incorrect information ; I say it's their responsibility. They have been extremely unhelpful and harassing, and offer none of the protections a bank or credit card does. They clearly need further federal and/or state regulation, as does their parent company, PayPal. I hope you can help resolve this. I simply want my Venmo account closed with no balance owing, and a written apology from Venmo for all the hassle they have caused. | ||||||
| 02/10/2023 | Yes |
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| I'VE OPEN A CHECKING ACCOUNT WITH PAY PAL SOMTIME BACK IN XXXX. I'VE APLLIED FOR GOV UNEPLOYMENT BENIFITS IN XXXX OF XXXX AND WAS APPROVED TO RECECIVE MY BENIFITS IN XX/XX/XXXX. ON XXXX XXXX THE AMOUNT OF {$8100.00} WAS DEPOSITED INTO MY PAY PAL CHECKING ACCOUNT BY THE XXXX XXXX XXXXXXXX XXXX XXXX. ON XXXX XXXX MY ACCOUNT WAS PLACED ON HOLD WITHOUT NOTICE OF ANY KIND FROM PAYPAL. IVE NEVER HAD A CHARGE BACK NEVER HAD ANY KIND OF DISPUTE ARE ISSUE ON MY ACCOUNT FOR THIS HOLD TO BE PLACE ON THERE. IVE CALLED INTO PAYPAL SELVRAL TIMES TRYING TO SEE WHY A LIMTATION WAS PLACED ON MY ACCOUNT. I HAVE SELVRAL RECORED PHONE CALLS ATTACHED TO THIS COMPLAINT WITH EACH AND EVERY CALL CONVERSATION IVE HAD WITH PAY PAL CONCERNING THIS ISSUE. THE LIMITATION PAY PAL PLACED ON MY ACCOUNT PREVENTED ME FROM USING MY ACCOUNT IM NOT ABLE TO SPEND, TRANSFER, WITHDRAW ARE SPEND MY FUNDS! I SPOKE WITH PAY PAL ON NUMEROS OCCATIONS AND WAS TOLD THE LIMITATION MAY TAKE UP TO 180 DAYS MAX AND THAT MY FUNDS WILL BE RELEASE AFTERWARDS. PAY PAL WASNT ABLE TO GIVE ME A REASON ARE INFOMATION ON WHY MY ACCOUNT WAS PLACED ON HOLD IN THE FRIST PLACE. IVE WAITED 180 DAYS FOR MY FUNDS BUT IT NEVER HAPPEN. AFTER 180 DAYS IVE CALLED BACK IN TO PAY PAL TO SEE WHAT I NEED TO DO TO TRANSFER MY FUND OUT THE ACCOUNT, I WAS THEN TOLD MY ACCOUNT WAS CLOSED AND THAT I WILL RECEVE A EMAIL ON HOW TO WITHDRAW MY FUNDS IN 48 HOURS. ( RECORDED XX/XX/XXXX CALL TIME 48MINS. ) ONCE AGAIN NOTHING HAPPEN. IVE BEEN ECITE OUT MY HOME I LOST MY CHILD DUE TO ME NOT ABLE TO GET MY FUNDS FOR MEDICAL PROCEDURES. IM CURRENTLY HOMLESS AND THIS IS NOT RIGHT!!! NOW ITS BEEN 3 YEARS AND PAY PAL STILL HAVE MY FUNDS ON HOLD. PAY PAL FIRST PLACED A HOLD ON MY ACCOUNT 2.CLOSED MY ACCOUNT3 HOLDING MY FUNDS. IF MY ACCOUNT IS CLOSED LIKE PAYPAY TOLD ME IM NO LONGER IN AN AGREEMENT WITH THEM AT ALL AND THEY DONT HAVE THE RIGHT TO WITHHELD ARE HOLD MY FUNDS.! THIS IS THEFT, IVE FILED A POLICE REPORT TODAY XX/XX/XXXX AND LOOKING TI HIRE AN ATTORNY TO HELP ASSITANCE ME WITH THIS ISSUE. IVE LOST EVERYTHING. THE ALABAMA XXXX XXXX APPROVED ME FOR BENIFITS 3 YEARS AGO AND I WASNT ABLE TO SPEND ANYTHING. I WILL MOST DEFILINY FILING A LAWSUIT AGAINST PAY PAL FOR PROFESSIONAL NEGLIGENCE. PAY PAL HAD MORE THEN ENOUGH TIME TO COMPLETE ANYTHING THEY SAY THEY NEEDED TO COMPLETE. WHEN PAY PAL DECIEDED TO CLOSE THE ACCOUNT MY FUNDS SHOULD HAVE BEEN RELEASED RIGHT THEN NOT 3 YEARS LATER. THIS IS UNRESONABLE AN THEY WILL PAY FOR THIS.THIS IS FAURAD AND THEFT AND IS WRONG! | ||||||
| 04/30/2018 | Yes |
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| This is a continuation of the attached description with Paypal : I send {$99.00} from my online bank mobile banking to Paypal using my name ( XXXX XXXX ) and my phone number ( XXXX ). I never received it. Paypal admits to sending my {$99.00} to someone else ( I later found out was a person named XXXX XXXX who I have never met or ever made any sort of contact with ) who has the same phone number somehow associated to his Paypal account. Paypal refuses to correct this mistake of sending my money to someone I don't know or intended to ever send to! I have had this phone number with Paypal since I opened my account and have kept it current by doing it online or with a Paypal representative over the phone. I have had this phone number for over 2 years now both initially with XXXX and later with XXXX ( after changing providers ) under the same phone number and with the same name on the bill. Paypal refuses to refund my {$99.00} and they refuse to look up their online records which show my attempts to update my phone number online either with home computer or my mobile phone ( way before the issue of missing funds ever came up ) and the associated I.P addresses which are recorded whenever someone goes online verify and confirm phone number and any other profile info with Paypal. Additionally, they refuse to look into the call logs of when I personally called Paypal and spoke to a representative to update and verify my phone number ( again way before the issue of the missing funds ever came up ). Why did i call or go online to verify my phone number? Because the system or a live agent asked me for verification over and over again as requested. Time after time and call after call with various Paypal representatives was I reassured my profile was up to date and current. Paypal has to have a online record as well as phone call log as to when i contacted Paypal via my computer IP address or direct phone call via phone number Why wont they refund me my missing money? Because they claim the phone number in question ( which they use to direction money transactions ) was verified and claimed by someone else ... with my phone number! Unbelievable. Even though original transaction I initiated with my bank used my name and phone number, the funds were still misdirected to someone else. Even though when i opened this account with my current phone number it was still lost. Paypal refuses to get my money or take any further actions to correct the misdirected and lost money. This is not acceptable. | ||||||
| 04/04/2020 | Yes |
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| I have a PayPal account that I have used for a while. I have actually you use PayPal for over five years though the account im talking about was a new one. I had a guy I was dating who will send me money 2 times a week, even 3 times a week sometimes. Well when I didnt want to take our relationship to the next level we split up and he contacted the credit card company and said that I am money he sent me was unauthorized. Further more, He says he was supposed to get goods from me that he never got, which is why he requested his money back. But there were never any goods involved, none whatsoever, EVER! We dated for about six months, maybe a little longer and he sent me money throughout the entire Relationship. Not to mention he reported this months after the transactions took place. I have another account where he sent me money more to as well over the months we were together. So how would only five transactions out of 30 be an issue but the rest not be? So dont understand how he is getting away with this. They sided with him without even talking to me. So dont understand how he is getting away with this and they sided with him without even contacting me about it directly. I just got an email saying there were an open cases and then emails saying The cases were closed. This is awful that someone can fraudulently report something like this and its not even get looked into. My account is almost {$1000.00} in the negative now and I dont know what else to do. I just know that is not right and should be **illegal** in the least. Its just disappointing how they can take advantage of the credit card companies like that. Not to mention how bad it is messed my account up. These are the transactions on my PayPal account that he claimed were unauthorized. I explained this in emails but never received anything back. Then finally receive something back today and they said that his credit card company opened the case on me and that there was nothing they can do to override them but when I talk to them they said that PayPal would act as my lawyer and handle it. So this is all messed up needless to say. I dont even know who his credit card company is so how would I even go about handling it with them? XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$300.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$200.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$150.00} USD Unauthorized transactionXXXX XXXX, 2020 | ||||||
| 02/09/2017 | Yes |
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| Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal! | ||||||
| 02/21/2019 | Yes |
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| On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account. | ||||||
| 03/30/2019 | Yes |
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| Hi .... My name is XXXX XXXX. On XX/XX/XXXX, my employer had to send my pay thru XXXX. They had left town and forgot to give me my check. So, therefore I opened a XXXX account. I was told that I could transfer funds instantly to my bank account. Unfortunately my bank was not supported by XXXX. So, I set up my boyfriend ( XXXX XXXX ) a XXXX account, transferred funds to his XXXX account. Which i was not able to transfer the {$2000.00} balance I had. I was only allowed to tranfer {$290.00} .He tried giving them his debit card information for an instant tranfer and was declined, although XXXX approved his bank to do so. So we went the other route of doing a checking transfer and funds would be in his banking account in 1 - 3 days. His transfer was accepted by XXXX. He received an email from XXXX on XX/XX/XXXX stating that his account was frozen due to suspicious activity and I also received the same email. Needless to say we didn't receive that money til the XXXX. On XX/XX/XXXX I tranfered {$700.00} ( that was all I was allowed to transfer ) to a friend of mine ( XXXX XXXX ) who had a XXXX issued debit card. The money transferred successfully. Went to withdraw money from ATM and transaction was declined. So XXXX XXXX called XXXX and they stated that it happens sometimes and to try again. And if that didn't work to go to a store And make a purchase and request cash back. Tried ATM again with no success. So went to XXXX XXXX made a purchase and it was accepted but was only able to get {$40.00} cash back. After that went to get gas with the same XXXX card that was used was once again declined. I ( XXXX XXXX ) still have {$1000.00} in my XXXX account that I can not access. I can not even transfer it to my boyfriend 's ( XXXX XXXX ) XXXX account because now ( on XX/XX/XXXX ) they say his account was deleted on XX/XX/XXXX. Not sure how that is possible because I transferred the {$290.00} in his account XX/XX/XXXX. And by the way, you can't speak to anyone that can give u answers. You are told that You would have to E-MAIL customer support. So pretty much XXXX still has a big amount of money ( 7 days later ) that I worked hard for, cleaning a fraternity on XXXX campus. And their customer support is not available on the weekend. So it could be Monday or Tuesday before I get a reply. Bottom line, this so called company should not be able to keep my money and tell me I have a weekly spending/transfer limit. I earned that money and should be able to spend it how and when i like. | ||||||
| 01/17/2022 | Yes |
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Web | Older American, Servicemember |
| Since I listed a used iphone for sale on XXXX XX/XX/22, two buyers contacted me, keep asking me to pay or purchase more. XXXX XXXX tried to scam me with XXXX. I quit contacting him once I figured out something wrong with my bank advice. The second one, XXXX XXXX XXXX XXXX ( name on XXXX ), wanted to pay me with Venmo. She sent {$200.00} to me, but Venmo Support transaction administrator XXXX XXXX emailed me saying they had problems to credit it to me as my account was not a business user, and I had to expand my limit by sending the buyer additional {$300.00}. As soon as this is done they will credit {$500.00} plus {$50.00} compensation fee to me from Venmo. I send {$300.00} via XXXX to XXXX XXXX, her relative, at buyer 's request, but after anxiously waiting for the refund transaction hours, I got another email from XXXX XXXX, saying there's a problem to proceed it, I had to buy {$300.00} gift cards of XXXX from XXXX for the buyer, promising all would be paid back to me afterwards. Nope again. Early in the morning XX/XX/22, I got another email saying they discovered my account won't be able to receive the pending fund of {$550.00}, and they can only deposit {$1000.00} into my account. Before they could do it I was required to get gift cards or Bitcoin worth {$500.00}, and I had to do it within 2 hours, otherwise the whole thing would be terminated and all my money would be gone. The buyer also pushed me to take actions to avoid losing money for both of us. I questioned XXXX and the buyer, and they all said it was safe and I was protected. Under pressure I went to XXXX and got {$500.00} gift cards of XXXX XXXX ( 2x {$200.00}, 1x {$100.00} ). I thought this was the end of all the headaches, and I was wrong. XXXX 's email said they discovered {$300.00} of the gift cards was invalid and I need to purchase another {$300.00} gift cards quickly. At this point I was certain I was scammed, not just by Venmo 's XXXX XXXX, but by the buyer too. They cooperated to fool me scam me. I regret I didn't wake up sooner. Now I lost {$1100.00} cash ( {$300.00} XXXX, {$300.00} gift cards, {$500.00} gift cards ) plus my mailed out iphone {$200.00}. I saved all the emails between Venmo and me, proof of my payment via XXXX, receipts of gift cards, ups shipping receipt, etc. Please find out those online scammers, punish them and alert the public. I am afraid my money is gone for good, of course I would be overjoyed to get it back. Your time and dedication to the justices are greatly appreciated. | ||||||
| 08/25/2021 | Yes |
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| Pay pal is trying to black mail me I had someone by something from me and the paid with pay pal I met ther person in person handed her the item she purchased in her home town after I went in the store when I came out they were gone she calls me 2 hours later saying its damage I said thats the case mail it to and I send your money back she apparently didnt wan na do that because she file a dispute With PayPal because thats how she paid to PayPal went and took my money and when I called up PayPal and I asked him about it and I told her to mail me my stuff back and then they said something to me about the consumer protection laws doesnt promise that I can get my stuff back I said and I sent them a copy of the consumer protection law and says since when does somebody have protections when theyre buying a used item off of a private individual that lady left she had my item in her hand she left when I came out of store she was gone calls me two hours later and says that its damaged I said dude you had in your hand at the store you left with it youre gone for two hours how do I know you didnt drop it down the subway steps or something so what appeared to me was she was trying to keep the item because when I told her to mail back she refused it and if she disputed it with PayPal now PayPals white and Ill kinds of stuff they got my account limited theres like so theres money on my account that I cant transfer because they wont let me so in my opinion or blackmail me they brought up about the consumer protection rates that Im not going it doesnt say I can get my stuff back for sure or something like that they told me so yeah but this lady already paid for a product Im a private citizen she saw it she bought it off of me like a flea market what consumer rights does she have none when youre buying it off of private party Im not a store so they say my account is limited until I provide proof of I have a business account with them my business account been with them for two years probably now all of a sudden they want all this stuff I dont even know what they want because I gave them the facts on this lady who is trying to dispute an item she purchased off of a private citizen And she shouldnt have been allowed to dispute it for PayPal because she didnt buy it from the store theres no invoice theres no guarantee return after 30 days I dont have any that Im a private person she inspected the item she looked at it she held it in her possession for two hours before she even disputed it | ||||||
| 07/19/2021 | Yes |
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| On XX/XX/XXXX, my Paypal Business Debit Card was fraudulently charged {$500.00}, I received an alert via text message of the charge. I immediately called the Paypal number and let them know. They closed the card and said they would reissue a new card. They also said they would investigate this claim and give me provisional credit of this amount and they did so. On XX/XX/XXXX, they sent a notice that the case was closed as it was a fraudulent charge and unauthorized and the amount would be made into a permanent refund. It appears they also reopened the case that same day, which I was not made aware until XX/XX/XXXX when they permanently deducted the {$500.00} from my paypal account and stating in the notes " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction. '' I immediately called and was told that the amount of the charge was similar to other purchases that I have made and therefore they deemed it authorized without any further investigation. They suggested to reopen it, they had to file as " item not received '' which after arguing that I never placed an order for any item, they filed it in that manner ... only to say, item not allowed under Paypal purchase protection. Then filed it as " missing item '' even though I never ordered anything-once again, item not allowed under Paypal purchase protection. After they removed the money the first time, I contacted the " supposed '' vendor where the charge took place by calling the phone number listed on the charge. The vendor explained this was the third time this has happened and that his company did not place these charges. The spelling was completely different for the business. So, apparently those that fraudulently charged my account, was using his business information as well. This could have easily been checked with the merchant verification information and realized the information was going to someone besides the business listed. So, at this time ... it was never completely investigated and dismissed by saying I've had purchases similar to the amount of this one, so it has to be correct. I spoke to a paypal employee on Thursday the XXXX of XXXX and she was going to open an appeal. She stated that I would receive an email within 24 hours about the appeal ... which, of course, I did not. My hands are tied, I am without this money at a time that I need it most. | ||||||
| 10/08/2020 | Yes |
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| Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information. This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages. I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me! | ||||||
| 06/07/2020 | Yes |
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| I have been scammed through XXXX XXXX XX/XX/XXXX. I was selling a laptop for a {$1000.00} and a person called XXXX XXXX, in XXXX, approached to me asking for the computer. The purchaser offered {$1000.00} for the laptop plus another {$100.00} for one-day shipping. I accepted the offer, and he/she asked me to provide my PayPal account. I sent a direct link to my PayPal account, so the payment could be made. The buyer then requested my email address to send the payment, stating that the link I provided did not work. I gave my email address. After that, I got an email supposedly from PayPal saying that the payment was made, but it was going to be on hold until I shipped the computer and provided the tracking number and copy of the receipts. I shipped the laptop the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ), and sent the tracking number ( XXXX ) and the receipts. Then, I got another " PayPal '' email requesting me to wait XX/XX/XXXX hours for the payment to be credited into my PayPal account. On the next day, I received another " PayPal '' email claiming that the payment exceeded the amount of money my PayPal account was allowed to receive, and to upgrade it to a Business account so the payment could be credited into my account. It also said that the purchaser had to pay an extra amount of {$600.00} to reactivate and complete the transaction, and that I would be rewarded with another extra {$100.00} as a compensation fee for holding the funds. After I upgraded my profile and the purchaser supposedly made the extra payment, I received another email alleging that I needed to refund the extra money paid by the buyer in the form of gift cards, and to submit the activation codes and the receipts, before the payment could be credited into my account. I accepted, bought 6 XXXX gift cards, and sent the activation codes with the receipts. Below are the XXXX gift card activation numbers : XXXX XXXX XXXX XXXX XXXX XXXX After that, I received another email requesting me to wait another XX/XX/XXXX hours to check the legitimacy of the gift cards. On the next day, I received another email claiming another problem with my account, saying that the buyer had to pay another extra {$800.00}, and requesting me to make another refund when in reality I have not gotten paid yet, and the buyer reported that he/she already got the laptop. I asked my family members and discovered I was scammed. I have no pending transactions in my PayPal account. Please help. | ||||||
| 02/15/2022 | Yes |
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| With great pain, I say that I have been XXXX scammed using Paypal 's platform. I learned the hard way that due to gaps in Paypal 's policies, scammers have a free run. Let me share my story with you. I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. After a lot of discussions and assurances, I signed up for his private club through Paypal by paying {$50000.00} ( Scammer asked me to make payment only through Paypal ). I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made XXXX %. I felt all his words to be fishy and reached out to Paypal for help as he wasn't ready to refund the money that I paid. I provided Paypal with all the relevant screenshots of our chat conversations. Paypal upon investigation enlightened me of their buyer protection policy that Financial investments wouldn't be covered and then I understood the reason for the scammer insisting on only using PayPal 's platform. Upon further conversations with friends and other family members, I was told that this is a complex XXXX scheme and reviewed the SEC 's XXXX Scheme 's red flags. I reached out to Paypal and appealed that this is a XXXX scam and PayPal 's AUP policy doesn't allow such XXXX scams or " Get Rich Schemes '' on their platform with proof. Sadly, PayPal denied the case stating their policy yet not doing anything. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. For Scammer offering Financial Products on PayPal Platform is a paradise as gaps between Buyer Protection Policy and PayPal 's AUP gaps leave buyers like in me limbo. All I request CFPB is to stop the scammer from getting my hard earned money as I have not only lost {$67000.00} but will lose additional {$50000.00} and will lose the faith on the financial institution and bodies governing them. | ||||||
| 12/08/2022 | Yes |
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Web | Older American, Servicemember |
| I received notice of a possible fraudulent charge to my PayPal account. I got that canceled. Then I asked the PayPal customer rep to cancel my account. He couldn't, so he referred me to a senior technician, who asked me to install " XXXX '' on my computer and give him complete control of my computer. I refused. He told me that if I did not give him complete control of my computer, he could not cancel my account and I would furthermore have to pay the {$500.00} fraudulent charge. When I still refused, he told me I was NOT President of the United States, and I therefore had to do what he told me. I then looked for a street address for PayPal, to which I could sent a letter documenting this. When I could not find that, I tried to find a way to send that via PayPal.com. When that failed, I decided to sent this to you. Below please find the letter I had planned to send to PayPal. Thanks. Please cancel my PayPal account. Can you please assure me that I will never again be bothered by PayPal? I will herewith summarize my reasoning : ( 1 ) I rarely use PayPal. ( 2 ) I received an email from PayPal stamped XXXX XXXX XXXX XXXXXXXX saying, " There is evidence that your PayPal account has been accessed unlawfully. {$500.00} has been debited to your account ''. I ignored the link in the email. Instead I signed into my PayPal account, found the transaction, and tried to cancel it. ( 3 ) I found the verbiage confusing, so I called XXXX at XXXXXXXX XXXX Central. I spoke with " XXXX '', who helped me cancel it. I then asked him to cancel my PayPal account, because I use it so seldom, I do not want to be bothered with this kind of thing ever again. He did not know how to do that. He then referred me to a senior technician, XXXX XXXX. XXXX XXXX then asked me to download and install " XXXX '' on my XXXX, which I did. He then asked me to give him complete control of my computer, which I refused. He then continued by saying that if I did NOT give him complete control of my computer, he could not cancel my PayPal account. In addition, I would be charged the {$500.00}, which " XXXX '' had previously confirmed to me was cancelled, and which shows canceled, when I checked just now over 24 hours later. ( 4 ) I found the request for complete control of my computer shocking, suggesting that XXXX XXXX was trying to defraud me. ( 5 ) FYI, I'm a native XXXX speaker. The accents of the people with whom I spoke, " XXXX '' and " XXXX XXXX '', sounded to me like subcontinent XXXX. | ||||||
| 05/31/2020 | Yes |
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| I've been receiving repeated calls from a call center ( XXXX XXXXXXXX : XXXX ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to PayPal. When I call PayPal their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt : https : XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Of course, XXXX XXXX did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of XXXX 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady. | ||||||
| 01/26/2023 | Yes |
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Web | Servicemember |
| This timeline is regarding Venmo XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX submits a {$450.00} security deposit via Venmo for a vacation rental made through booking.com XX/XX/XXXX XXXX XXXX checks out and upon immediate inspection there is a clogged and inoperable dishwasher and a broken bed. XX/XX/XXXX {$430.00} in expenses were incurred due to repairs to the dishwasher and bed and {$16.00} was returned to XXXX XXXX. On that same day, she filed a dispute with Venmo XXXX. The claim is never received the item. XX/XX/XXXX the Venmo application would not allow me to upload the photographic evidence along with the receipts so Venmo provides a link via email to do this. XXXX Venmo refunds her the {$450.00} WITHOUT ALLOWING me the opportunity to respond to this claim!! XXXX Appeal is filed due to 1 ) Venmo failing to allow me to respond to XXXX dispute and 2 ) Venmo app failure to allow me to upload the evidence. I am given until XXXX to provide this evidence. Venmo asks for photos of damage. XXXX A Copy of the reservation is provided to Venmo along with the written exchange in which XXXX confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and broken bed slats. I also include a copy of the receipt of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by XXXX. XXXX Venmo confirms receipt of this evidence. XX/XX/XXXX After not hearing from Venmo on the evidence provided, I email to follow up. No response. I also called and am asked to email again. XXXX I called customer support and the email response asks me to call. I am then asked to email Venmo. XX/XX/XXXX I call and email Venmo due to the time that has lapse without a response. I am told that this matter will be escalated to account specialist team and to expect a response. XX/XX/XXXX One day after the multiple calls made, Venmo representative XXXX XXXX indicates that after careful investigation the appeal is denied. There was no careful investigation because there was no response from Venmo for months until I started to press for a response from Venmo. Secondly, the evidence of the photographs, the receipt, and the WRITTEN CONFESSION from XXXX herself that she damaged the bed should be enough evidence to prove without question that the damages were incurred and that as such I have a right to be reimbursed for these damages. The guest did receive the item, in this case a reservation with a security deposit. | ||||||
| 06/13/2023 | Yes |
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| FTC Report XXXX XXXX Below is a copy of my complaint to the FTC. I am forwarding it to CFPB. There was already a large class action against PayPal back in XXXX from the FTC, for this same exact reason. Read Complaint Below I have had my money frozen over {$1100.00} in Venmo owned by PayPal. I am aware that you guys submitted a large class action complaint against them for this very reason. Without reason, they froze my account in or around XX/XX/XXXX And told me they would withhold my funds for up to six months. I just received an email on Friday XX/XX/XXXX stating that my accounts funds are now available to withdraw. That my account would be suspended and I would not be able to utilize their instant transfer option using a debit card that I would have to link a bank account and routing number and use their standard withdraw option only. I try to link my bank account using the third-party XXXX which Venmo offers to link your bank account and it keeps giving me an error message and does not allow me to add my bank account. Ive been trying to add it manually bypassing XXXX and it still gives me an error message stating that I am unable to link a bank account. Basically Venmo is just keeping my money and when I email them nobody responds and when somebody emails back finally they just respond with templates. I re-respond addressing my concerns that they ignore on my previous emails and they respond through template emails that make no sense and basically they are just giving me the runaround and telling me that if my bank account does not link it is because the bank is not eligible with Venmo, which makes no sense because they are major bank accounts and they tell me to try another account. I have already tried three of my major bank accounts, XXXX XXXX XXXX, XXXX, and XXXX XXXX. And Venmo insists on the fact that I need to try a different bank and they dont know what to do so basically theyre just stealing my money. Based on the previous FTC complaint in XXXX I read that they have been doing this to thousands of consumers and it looks like they still have not learned their lesson and have continued with their shady business practices since then. I hope somebody at the FTC is able to reach out to the correct department at XXXXnmo/PayPal so they can finally address this directly with me to link a bank account so I can access my funds that have been frozen since XX/XX/XXXX. My email address on file with Venmo is XXXX my user name on file is @ XXXX Thank You. | ||||||
| 04/26/2021 | Yes |
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| My PayPal account was permanently limited recently. PayPal just emailed me You can no longer do business with PayPal Reference ID : XXXX without any explanation. In the first time, I asked for help in PayPal account. For sure, they just said sorry without any explanation, even though any chance to explain. I tried to recall what happened and searched all keywords about PayPal Limitation Meanwhile, Ive kept trying to contact PayPal customer service 56 times. They told me surely I had highly risk suspicion to deceive and theres no way to restore my account. They didnt tell me which policy I disobeyed. They told me i will able access to withdraw my money after 180 days. I checked in my PayPal the only transaction was by {$10000.00} in XX/XX/XXXX of 2020. For along time I was working for a company in Arizona but I m from NJ. That company provided good benefit and after covid19 came I lost my job. I was thinking about the best place to put my money and try to made a business. My friend recommend to me use PayPal because is Safe for everything but after I received my money my experience has been really bad. I dreamed with start my business with this company But i m really feel hurt. In the las year I had hard time for resolve all my financial problem because after wait 6 month and i try to withdraw my money I couldn't. I have a family. my wife with XXXX pretty kids. The life here is expensive. My question is, is PayPal thinking about family support when they hold the money for 180 days? In XX/XX/XXXX, XXXX when I received the email for withdraw funds, I try many attempts but all time was failure. Right now is almost 9 months and my PayPal Account don't have any dispute or Chargeback. If I tried take out my money 3 months ago why they didn't help me if I made the request to that department?. That why one of PayPal agent made me a request to Backoffice department to help me made a Manual Withdraw in my account with specify all detail, but the request never was responded by that department. Instead the system put another limited for 180 days. Now they said another limitation for 180 more days. That is really crazy how that system work and made the policy of company contradiction. That why I feel really frustrate when nobody want help me. I need support with my family and my babies, they are not wait XXXX for eat milk, bread, eggs, Need paid School, get gas, etc., Medical bills. I pray to get somebody want help me with my case. My email is XXXX XXXX | ||||||
| 05/30/2019 | Yes |
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Web | Servicemember |
| I reported o nXX/XX/XXXX that my Paypal MasterCard Cash card was stolen and never received. I was basically told they weren't liable and that I should file a police report and " hope '' that I get my money back. I was told I was going to out XXXX and tough cookie even though I was able to verify that none of the account info matched me, when I was at the time or my bank account. Even still I was told no dice.I received a letter 6 months later that stated that the follow : PayPal Important updates about your lost or stolen PayPal Cash Mastercard. XXXX XXXX, When a customer reports a card as lost or stolen to PayPal, per our standard process, we close the card immediately and issue a new replacement card with a new account number. This way, we protect your account from unauthorized transactions. As part of our routine system audit, we discovered that the PayPal Cash Mastercard ending in XXXX you reported with unauthorized transactions on XX/XX/2018 wasn't closed due to a technical error on our part. This error also prevented PayPal from shipping you a replacement card. Corrective Actions we are taking Since PayPal approved your transactions after the card was reported lost or stolen, we've refunded XXXX USD to your PayPal account. The refund will appear in your PayPal balance. This amount reflects all purchases that were made with the card after you reported it lost or stolen. If youd like an itemized list of the transactions being refunded, please contact our customer care center at XXXX. Additionally, were shipping you a new replacement card to the physical address you have on file : Your replacement card will have a new account number. So, please ensure to add the new number to anywhere you have the card stored for payments your favorite websites, utilities, streaming services, applications, and so on. On activation, youll also be prompted to create a new PIN. It can be the same PIN as on your previous card or something completely different. We sincerely apologize for any inconvenience. Rest assured, we take the security of your debit card very seriously, that's why we've reissued you a new PayPal Cash Mastercard. The PayPal Cash card team After being on the phne for over 4 hours after receiving the email, and bein transferred numerous times, and handled by several rude representatives, I was told my payapl account had limitations and there for had no answers to give me about how to retirive my funds. That I would no tever receive them. | ||||||
| 11/11/2023 | Yes |
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Web | Servicemember |
| Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against PayPal for Unfair Practices and Withholding of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, the online payment platform, for engaging in what I believe to be unfair practices resulting in the deliberate withholding of my funds. This situation has caused considerable distress and appears to be a systematic effort by PayPal to retain funds and impose unwarranted charges. Here are the details of my complaint : Account Freeze and Fraud Claim : After adding a new card to my PayPal account to reflect updated information, consistent with my account details, PayPal froze my account, alleging fraudulent activity. I provided extensive documentation, including my passport, driver 's license, a copy of the added card, and a current bill, all of which were refused by PayPal. Unjustified Delay : Despite my compliance with their request for additional information, PayPal insisted on a 72-hour waiting period, which concluded yesterday. However, I have yet to regain access to my funds, and they are now proposing charges for the release of my own money. Financial Imposition : PayPal is demanding fees for releasing my funds, compounding the situation with an additional charge for the transfer. This imposition is not only unjustified but adds insult to injury, as I am being penalized for attempting to access my own funds. Deceptive Practices : I would like to highlight that I do not typically use PayPal due to their reputation for deceptive practices. Unfortunately, in this instance, I had no alternative payment option due to a transcription service that exclusively accepts PayPal payments. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly to determine if PayPal is engaging in deceptive practices and withholding funds from consumers in an unjust manner. Enclosed are the relevant documents, including my correspondence with PayPal and proof of identity, to facilitate your investigation. I am willing to provide any additional information necessary for a comprehensive assessment. I trust that the Consumer Financial Protection Bureau will take prompt and effective action to rectify this situation and ensure PayPal 's adherence to fair and transparent financial practices. Thank you for your attention to this matter, and I look forward to a favorable resolution. | ||||||
| 12/27/2020 | Yes |
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| This is a recurring issue where Paypal freezes the funds of a seller on XXXX months after a sale and shipment. They claim the buyer has opened an unauthorized transaction complaint. Such a complaint is solely between the buyer and Paypal around the security of the Paypal account. It does not involve the seller as the seller ships an item when Paypal instructs them to. Paypal should not involve the seller when a completed shipment is evident. The seller should not lose money or have it frozen. Paypal engages in aiding and abetting its customers in perpetrating fraudulent transactions against sellers of goods on XXXX and illegally seizing funds from sellers. I sold an item to XXXX XXXX of XXXX FL on XXXX in late XXXX. They made their payment to me via Paypal. On XX/XX/XXXX, Paypal sent me an email saying the buyer claims the item purchase was not authorized by them. Paypal wanted me to provide them tracking information of the item, even though they have always possessed this information since the time of shipment, and i can see it on their site. Additionally the buyer should have made such a claim through ebay if their claim is legitimate, which is what paypal 's own process says to do for ebay purchases. But Paypal allows its customers to not follow the documented process. And they ask the seller for data they already possess and display. If the seller fails to respond, they lose the money automatically, even if they believe the issue is already addressed by the fact paypal already has the data. Paypal has seized my funds even though the item is shown as being delivered, and Paypal and ebay both originally advised me of the sale and where and to whom I was to ship to, which means it was authorized. Paypal already has all the info they request from me and can remove me from the matter, though I never should have been a party in the " dispute ''. However, they have a process in place where i would lose the money if I had failed to " respond ''. Government needs to stop this process which has many sellers have money stolen from them by paypal in conjunction with buyers committing fraud. I have a lot more to add to this complaint, but the form to submit only allows so many characters. Please reach out to me for more information, as this is absolutely a process that Paypal uses to assist buyers in defrauding sellers, and has refused to change their process. I have had this happen before with paypal. Paypal Case ID XXXX Original transaction ID XXXX | ||||||
| 07/24/2021 | Yes |
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| My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX and XXXX as well as unknown telephone numbers. Fake email accounts have been open under my name as well. I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. I have not received any response from XXXX and they are failing at complying with this identity theft investigation. Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call. | ||||||
| 05/24/2023 | Yes |
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| Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed as a result of a mistake, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. First and foremost, I would like to emphasize that I have been a loyal and responsible user of PayPal. Throughout my usage, I have maintained a strong commitment to complying with all the terms and conditions set forth by PayPal. I have always conducted my transactions in a lawful and ethical manner, respecting the platform 's policies and guidelines. Upon discovering that my account has been permanently limited, I thoroughly reviewed my recent activities to understand the reason behind this decision. To the best of my knowledge, I have not engaged in any prohibited activities, such as fraud, money laundering, or any other actions that could potentially compromise the integrity of PayPal 's services. I have always strived to maintain a positive reputation and have not received any complaints or disputes against my account. Considering the aforementioned points, I kindly request PayPal to re-investigate my case in detail and reconsider the permanent limitation imposed on my account. I believe that there may have been an error or misunderstanding leading to this decision, and I am confident that a thorough review will reveal my adherence to PayPal 's policies. Moreover, I understand that PayPal values its customers and aims to provide them with a secure and reliable platform for online transactions. As a loyal user, I kindly request the opportunity to present any additional information or evidence that may aid in the reevaluation of my account 's status. I am fully committed to cooperating with PayPal throughout this process and providing any necessary documentation to support my case. For your convenience, the email address associated with my PayPal account is XXXX. I kindly request that all further communication regarding this matter be directed to this email address. I appreciate your prompt attention to this appeal and hope for a fair and favorable resolution. Thank you for your time and consideration. I remain hopeful that PayPal will recognize my dedication to your platform and restore my account, allowing me to resume using PayPal 's services for my financial needs. Yours sincerely, [ XXXX XXXX ] | ||||||
| 10/08/2022 | Yes |
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Web | Older American |
| I went to purchase a music box on a website XXXX XXXX XXXXXXXX for XXXX dollars ; I was going to use my credit card but when I went to check out the page automatically went to Paypal and then quickly went back to the website XXXX and it showed that the item was paid for by my Paypal, which I did not want to use, nor intended to use but it all happened so fast and now in hindsight, I think what happened that this site has a script on it or something that checks quickly if the person has Paypal and since I did and my password for Paypal site is saved the purchase went thru. When I did not receive an email from the merchant like the way every purchase you make online does and along with the weird check-out episode I got very suspicious so I contacted Paypal right away within 5 minutes of the transaction and Paypal said I needed to take it up with my bank [ my Paypal card is backed by my bank checking account ] I said why and they told me the purchase went through with Paypal and told me I made a transaction by " sending money to family and friends '' and they don't offer protection for transactions of sending money to family and friends. I tried to tell them I did not send money to family and friends but instead purchased a music box on this website XXXX XXXX XXXXXXXX and was going to use my credit card but it automatically went through Paypal, which was weird in itself and so I contacted my bank to stop payment but they told me I had to wait for the transaction to clear ; I said I don't want it to clear because if it is fraudulent it will be just giving a criminal my money but they said that is their policy for it to clear first [ which I think should be a crime in itself ] so after it cleared they said they would file a dispute and after 60 days they denied my dispute because Paypal told them that the transaction was " sending money to family and friends '' and they don't offer any protection for this type of transaction. I asked them why would I " send money to family or friends '' when I am purchasing a music box on a website. Neither my bank nor Paypal would help me and I and out the XXXX XXXX and never received the music box..This complaint is against XXXX and Paypal . I filed a complaint to the hosting company that hosts XXXX XXXX XXXX which is XXXX. all they did was remove the website. I did some investigation and the person that had this site also had about 10 other sites with some of them still up and running. I just want my XXXX dollars back. | ||||||
| 02/19/2021 | Yes |
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| I opened a paypal account in XXXX of 2020. I opened this account to have my beneficiary funds deposited into it from the state of Arizona. The deposit of {$8800.00} occurred on XX/XX/2020 from the state of Arizona for unemployment benefits and very shortly after that PayPal decided to put a limitation and a hold on my account where I could not access my money or do any kind of transactions at all. Apparently their stipulations and policy is ordering the customer to wait 180 days for any kind of problems to arise to prevent fraud or mistakes or anything of that nature. So I waited the 180 days and on XX/XX/2020 my XXXX XXXX days was up. On XX/XX/XXXX of 2020 I received an email from PayPal and it was encrypted and signed by PayPal telling me that my funds were eligible for withdrawal and that certain account activities were unlocked and able to use so I then went to my Paypal account logged in and tried to transfer the funds to my bank account to come to find out another error message telling me that my account is limited reference code : XXXX. I will provide that screenshot later on and many others. So I called PayPal customer service that day on XX/XX/2020 just to get a run around of the same old spiel and they told me to wait on an email and for their system to update and then try again I went through this process more than 30 times since XX/XX/2020 to present day I have screenshots of call logs I have dates of call logs many many of them I pretty much contact them either daily or every three days and get the same response from different representatives every single time. The customer service representatives are very rude and very inconsiderate and don't provide any information or any evidence or anything that helps me get to a resolution with this problem it seems like they just want to keep my money in their account to gain interest. I have had it with them I've tried to be respectful I've tried to be kind I've tried to be patient and nothing is getting resolved my account says the funds are available but I can't access them and I keep being told that they're back office is working on it but I can't get a back office number I can't get a number for any department they won't give it to me they tell me no. I am prepared to file a lawsuit in small claims court against them if this does not work please help. I don't know what to do anymore I need that money that money is for a pandemic benefit to assist citizens and they are holding it hostage for me. | ||||||
| 06/27/2018 | Yes |
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| From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! Kind Regards, XXXX XXXX | ||||||
| 09/30/2017 | Yes |
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| On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back. | ||||||
| 08/19/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 I received an automated email ( attached ) from PayPal stating that I had authorized a transaction to XXXX XXXX in the amount of {$1200.00}. Because I knew I did NOT authorize this transaction, I immediately called PayPal in which I wasnt able to get through so I attempted to submit a dispute through their Resolution Center which was also unsuccessful because the payment was still pending. I initiated contact with PayPal through their messaging system in which I have told them several times I did not authorize this transaction. With no success through PayPal I contacted my bank to stop payment on this transaction. In addition, I changed my PayPal password and removed all credit/debit cards ( notification attached ) linked so it wouldnt happen again. I wasnt able to remove my bank account or report the unauthorized transaction through PayPal until the transaction was complete. As soon as the transaction was complete I submitted a dispute through PayPal Resolution Center. I have since made several attempts to contact PayPal via the phone and have messaged them using their messaging system all of which have been unsuccessful. I received notification PayPal has concluded that this was an authorized transaction ( email attached ) I dont have a XXXX XXXX account, I never have, I have also never made a XXXX XXXX payment ever, so I am unsure why they wouldnt believe me when I say I did not authorize this payment. I have also tried to dispute it with XXXX XXXX but they said they need a phone number associated with the transaction and of course I dont have that, all I have is the information I received through email when the unauthorized transaction was made. In addition, on XX/XX/2020, I received an email ( attached ) stating there was suspicious activity on my account and my account was suspended. Another reason I dont understand why they conclude that the transaction was authorized. PayPal has emailed me several times reminding me I have a negative balance on my account and that they will soon report, if they havent already, to my credit report. I have called the collection department in which they conveniently answer the phone but say they can not assist me with disputing the transaction, they can only assist with collecting payment. I have good credit and dont want to ruin it for unauthorized transaction through PayPal. I would also like to deactivate my account as I will never use PayPal again after the terrible service I have received. | ||||||
| 02/01/2023 | Yes |
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Web | Older American |
| the parameters i chose as the problem im facing are close, but not the actual problem, i started my retirement, direct deposits were made into an account that the last 2 numbers were somehow switched, my acct. is XXXX, the deposits went into XXXX soc. sec. requested the money back, then was told the treasury had to request it returned. we did that, and the bank is giving me the run around still. 1st deposit was XXXX on XXXX. then, another XXXX, approx. 10 days later.. social security has started charging me the money as an overpayment. i filed an appeal, but theyre taking the money out of my monthly checks anyhow. ive tried, probably 30 times total to get them to return it, or now, actually, since social security has been charging me as an overpayment, i feel it should go to my account, since ive not had the benifit of having those lump sums at my disposal. its a paypal account, a division of XXXX. ive lost a vehicle while waiting for this money to be available in my account back in XXXX. i would appreciate any help, they-paypal- definately know of the situation, i asked if they were discriminating against me, or if they wer just having fun because of my age, a woman - XXXX XXXX-, said that the tools she had werent giving her option to basically give me the money, and said that social security would have to request it back. weve already requested that, and nothing was done, social security isnt doing anything about it, other than taking money out of my monthly check as though its been paid to me already. someone or somehow the last numbers of my account got switched, i dont know how, i ' copy and pasted " the account and routing numbers into the form online that i had to fill out for where my payments were to go, there was no mistake on my part, and if you were to read about all the safeguards paypal has in place, to protect my money, they shouldnt have even accepted the deposits in the first place, per their own words, as the information obviously wasnt correct.the numbers of my account, the last 2 numbers were wrong.switched. this application had said to not use any personal information, none the less, with my name, paypal can see the account, like i said, they definately know of this whole situation, ,but they just arent- wont do anything about it. its almost infantile how they want to pass it off to soc.security, soc. security blames paypal. meanwhile ive paid XXXX to social security on money i didnt get, havent had in my posession, at all. | ||||||
| 03/01/2021 | Yes |
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| Hello, I have used PayPal for several years without issue. In the last 6 months I had a XXXX store that had used PayPal to transact hundreds of thousands of dollars. Covid had caused a damage to the economy and the sales. I had to begin refunding customers And needed to raise funds for chargebacks and refunds. I sold personal items in order to help customers and balance out the weight on my shoulders in taking care of things while maintaining a positive relationship with PayPal. When I sold the art for {$11000.00} dollars ( XXXX XXXX XXXX XXXX XXXX my account was put on hold. The reason was because the account had disputes, but also because the amount for the single transaction was high. I submitted all required paper work and hoped for the best. At that point I could have refunded the customer and they could have wired me. I was assured things would be fine. PayPal locked my money, money meant to refund my customers. They put the money on hold and did not allow it to go to my customers. By doing so this resulted in dispute which resulted in fees charged by PayPal. These fees have now totaled more than what I even needed to refund to my customers. Had I been able to refund my customers I would not have had such high exorbitant fees and bills. My account went negative with PayPal. To continue to maintain the relationship I went further into debt hoping things would be ok. My mental health has suffered. I had to get a second job as a XXXX and worked XXXX 40 hours a week. I waited almost two months watching my balance go lower and lower. I called for help, asked them to at least apply the amount held ( now {$9000.00} ( XXXX XXXX dollars ) to the negative balance I have. ). Rather than helping me PayPal closed my account. They are now holding my money even longer, 180 days. If I am to suffer another 180 days of disputes and lack of refunds I will incur further debt and will have to take out more loans. I even started to fill out an application with PayPal for the XXXX sba loan, spent all day trying to do it to then have my accounts closed so the hope of relief again was taken away. This has caused a massive increase in debt during a difficult time. My mental health has suffered. Lack of sleep, a second job has caused me to suffer from episodes of crying and sever anxiety and stress. I have had to start seeing my therapist and taking time away from my children. My payment to my ex wife for child support and alimony have also suffered due to this. | ||||||
| 06/23/2023 | Yes |
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| I use PayPal quite often to transfer money to family, especially when there is an emergency, because they have an option to get the money to them quickly. This last time I tried to transfer funds, there was an error and my bank kept declining the transfer to withdraw from my PayPal balance and deposit into my bank account. This was tried several times. ( The next day I was able to use this service with no difficulties ). However, during one of the attempted transfers my money was frozen in a pending transaction and not returned to my PayPal account balance as it did during the other attempts. I contacted PayPal support immediately to resolve the issue and find out why the transaction was still pending and not cancelled. I also asked why my funds were not returned to my account. It has been more than 72 hours and in this time I have gotten several different responses with no resolution and no answer to where my money is/went. I have screenshots of all the conversations. The first time I was told that transactions can be held for security reasons. Then I was told that there was no security reason. I reverified my information with them just in case. Then they charged my checking account for {$1.00} which I never authorized for them to do. If my account had been zero, they would have cause my account to overdraw and I would be charged fees by my bank. I have never heard of a business being allowed to charge any amount to someone's bank account without their permission. All I want is my money to be returned and I keep getting the run-around by their support team with different answers. The last person called to tell me that they are sorry, their hands are tied and there is nothing they can do. There is nothing they can do to resolve a business matter for a customer of the company they work for? Really!!? I asked them to open a support ticket or escalate the issue to a higher department and they replied they could not because this is a " normal '' process. PayPal support tells me they can not do anything. It is not something I did. It was the fault of their system, and the normal system process worked on all of the other transactions which was this : when the transaction did not go through, the money was returned to my balance within a few minutes. Suddenly, it doesn't work, my money disappears and there is nothing they can do except to wait for some " normal '' process that they can not explain to resolve itself? This is bull " you know what ''. | ||||||
| 02/22/2023 | Yes |
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| Letter receive at my residential address dated on XX/XX/2023 from XXXX XXXX XXXX XXXX ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) attempt to collecting {$32.00} for creditor " PayPal, Inc ''. Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at XXXX XXXX XXXX XXXX. All issues are researched thoroughly with extra attention to the customer perspective. Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you XXXX have been a victim of identity theft. The e-mail address provided to us by, PayPal , Inc., does not match the address you provided in your correspondence to the XXXX XXXX XXXX We have provided PayPal with a copy of this complaint and our response. Should, XXXX XXXX, have any questions, we kindly ask that they contact, PayPal , Inc., and allow them the opportunity to address any additional concerns they XXXX have. Thank you for bringing this matter to our attention. We apologize for any inconvenience that we XXXX have caused. Sincerely, XXXX XXXX XXXX, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " PayPal Inc. '' prior to receiving this letter nor it's possible for me to incur any debt from PayPal Inc. in the past. Furthermore, the creditor " PayPal Inc '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " PayPal Inc. '' ) is easily found from PayPal 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible XXXX endured causing by such practice from this company. Please see to an end for such practice. Thank you An concerning XXXX XXXX XXXX XXXX | ||||||
| 06/13/2016 | Yes |
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Web | Older American |
| On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business. | ||||||
| 11/10/2020 | Yes |
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| Paypal has placed a reserve hold on my account due to the fact that I have sold a few items that were on preorder. There were three items in total which are no longer on preorder and have been or are in the process of being shipped to the customer. I have been a long time PayPal user in excellent standing with hundreds of transactions that were made as a seller and all items have been processed, shipped and delivered to my customers. PayPal has chosen to flag my account without any merit and has held to date {$1600.00} of my money without releasing it to me. If you review my account, you will see that every transaction has been successfully delivered to all of my customers and that there hasn't been any chargebacks etc. There is no reason for PayPal to hold my funds despite their claims that they are doing this out of caution. They has caused harm to my business by freezing my hard earned funds in which I need to pay off my creditors for supply that was sold. I have contacted everyone up to the executive office and PayPal just refuses to help me and resolve this matter by releasing my funds. Again, I have never had any issues with any of my transactions that would have even warrant such a hold, and now that everything is said and done, I can no longer operate as a PayPal merchant due this practice and all I want at this time is what is owed to me. PayPal has been holding my money hostage. They may claim that they are in the right for doing this, however this is completely without any merit. They continue to hold funds for all of my items, those that were even originally preorder items, and as a result I had to spend additional money in shipping costs, funds out of my pocket for issuing refunds and having to issue additional money from my pocket to pay off creditors in which the funds being held by PayPal are owed to me. No bank or any other company does this, especially without a valid reason that would warrant this action. Again, my transaction history with PayPal as a long standing user for over a decade speaks for itself. Never had a chargeback, never have not shipped an item to a customer, never had not communicated with my customers. Also with transactions linked to XXXX sales, I have 100 % positive feedback on my account as well. I am an exemplary PayPal user yet, they refuse to release this warrantless hold and after all efforts in trying to speak with them, they have not been forthcoming in any attempts or helping me resolve this issue. | ||||||
| 10/20/2018 | Yes |
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| I sell stuff on XXXX through my own company XXXX XXXX, XXXX. I use PayPal as payment processor. PayPal charge back my account for an amount of {$1200.00} for an item I sold on XXXX on XX/XX/2018. The customer who bought this item from me filed a complaint with his credit card company and asked for a refund on XX/XX/2018. According to an email I received from PayPal, they told me that the customer claims that the item he received wasn't as described, which was so strange claim cause the customer waited 4 months to file such a claim and he is saying that item is not as described!!!. I replied to the email I received from PayPal and told them that it doesn't make sense that the customer claims that item not as described after 4 months. PayPal told me in another email that they will try to dispute the case with the customer 's credit card company. However, a few weeks later I received another email from PayPal saying that they couldn't dispute the case with the customer 's credit card company and now they refunded the money to him, and my PayPal account is now overdawn by the amount of {$1200.00}. I emailed PayPal asking them to investigate this case again cause I believe the customer is scaming me. First, since PayPal already refunded the customer, I beleive I should receive my item back from the customer, but I contacted to customer and he is not responding to my emails. I also found the the customer who bought the item from me, now he is selling the same item as used item on his XXXX seller account. So, that customer got his refund, didn't return the item to me, and my PayPal account is negative with amount of {$1200.00}. PayPal also sent my account to a collection agency which I received a ltter from them few days ago. I tried to speak on the phone with anyone from PayPal but I am not able to reach anyone over the phone. I sent PayPal several emails to their complaint department stating all the facts and asking them to at least to get my item back from the customer or bring my money back to my PayPal account, but PayPal never replied back to my emails. The PayPal case is ( Case ID : XXXX ). The customer 's name is : XXXX XXXX and his email is : XXXX. I would like the FTC to get involved in this case cause I feel that PayPal is not responding to my complaint and the least they can do is to force the customer to return the item back to me since they refunded him the money. Sorry for the long email and hope to get response from you soon. XXXX XXXX | ||||||
| 09/10/2023 | Yes |
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| On XX/XX/2023, I attempted to purchase a camera from a seller using Paypal. I communicated with the seller through XXXX XXXX, where we discussed details for the trransaction. The seller agreed to ship the camera for a total cost of {$1200.00}. I sent the payment as a XXXX & XXXX payment on Paypal. Once completed, the seller asked me for a screenshot of my verification, since the payment was pending. Afterward, the seller agreed to ship the item on XXXX, XX/XX/2023. The night of Thursday, XX/XX/2023, at approximately XXXX XXXX XXXX I recieve a potentially suspicious email from Paypal saying that I had made a dispute against the vendor of the camera for a total refund of {$1.00}. I did not initiate this, and the vendor fraudulently impersonated my identity to accomplish this. I did not click on any links within the email and instead went to my desktop computer to verify within my Paypal account what was going on. There was in fact a dispute made on my behalf. I immediately try and call Paypal, but they do not have live support at this hour of the day, unlike many other financial institutions. There was nothing I could intuitively do through their automated voice menus. I had to wait until the morning of Saturday, XX/XX/2023, to call and navigate through voice menus to get to a human representative. I explained them my issue, and after being put on hold, they said that they can see the dispute was submitted via the automated phone service, and that they would have to escalate this internally, and gave me a new ticket number for my case. However, I received no confirmation of the ticket in email, my account still shows the fraudulent dispute, and I am unable to re-dispute because of XXXX system. My identity was stolen and a fraudulent charge was forced to stick onto my account because of XXXX policy, which do not allow for disputes to be reopened, which provides a vector of attack for scammers and fraudsters. Paypal fraud support states that their system makes it impossible to reopen it once closed and ended up drafting me a letter to send to the bank stating that it is indeed a scam and they do not have the ability to now initiate the true dispute on their end as it is a limitation with their dispute system. You cant really do much to prevent it since their call in system is less secure than online. You can have XXXX factor authentication, passkey, all set up; but all the scammer needs to do is call PayPal by phone to get around this. | ||||||
| 12/20/2022 | Yes |
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| By way of background, Venmo allows direct linking of your Venmo account to other apps including XXXX. For at least the past year, my Venmo account has been linked to my XXXX account. On XX/XX/2022, an unknown individual gained access to my XXXX account and subsequently placed an order of {$31.00} at a XXXX XXXX in XXXX, Nebraska. I first learned of this when I received the text message notification confirming the order. The unknown individual changed my login information for XXXX, but I was able to confirm in Venmo that the XXXX order was charged to my Venmo account. On the same date, I called Venmo customer support to dispute the charge immediately. Initially, the call was taken by a customer service associate. After informing the initiate of situation, the associate promptly transferred me to a member of Venmo 's dispute team. I informed the dispute associate of the situation. I informed the dispute associate that I would like to dispute the charge as I did not authorize the transaction, have no idea who accessed my account, am no way associated with that part of the country, and that it appears that the breach was limited to my grubhub account. My vemno account is connected to my XXXX XXXX XXXX checking account as I do not deposit funds directly into my venmo account. I asked the dispute associate if I should dispute the transaction with XXXX XXXX XXXX or if doing so would frustrate Venmo 's investigation. The dispute associate asked that I refrain from disputing with XXXX XXXX XXXX while Venmo investigates. The dispute associate informed me that Venmo would freeze my account during the investigation and would reach out to me regarding next steps. On XX/XX/2022, I received XXXX emails from Venmo. The first, received at XXXX EST, informed me that Venmo disconnected my Venmo from my XXXX account due to suspicious activity. The second, received at XXXX EST, informed me that my Venmo account was unfrozen and notified me that the results of my dispute would be communicated to me separately. The third, received at XXXX EST, informed me that the dispute, assigned dispute ID : XXXX XXXX was denied because the transaction was consistent with my payment history. At no point was I offered to submit additional information nor contacted by the dispute resolution team. Aside from this, it is unclear to me how any reasonable person could deem a transaction consistent with my payment history, but, at the same time, deem it suspicious activity. | ||||||
| 12/10/2022 | Yes |
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Web | Older American |
| I am a XXXX XXXX XXXXXXXX in XXXX Wa. I am XXXX and semi retired. I took early Social Security but it's not enough to live on. I have XXXX XXXX that limit how much work I can do. Every job and every payment is critical to me. I have had my own XXXX XXXX since XXXX. I started using Paypal to except credit cards a couple years ago, but I try not to use it if I don't have to because of the fees. I have used it less than 10 times ever. I worked for an XXXX woman in XXXX and billed her son in XXXX. He did not have a checking account so I sent him a link to pay with Paypal online. My total bill was {$620.00} on XX/XX/XXXX. The son went on vacation to XXXX and didn't get around to paying me until XX/XX/XXXX. On XX/XX/XXXX, Paypal deposited {$300.00} of this payment into my business checking account, but held back the remainder of the payment plus their fee. They gave no reason for this. I tried calling, emailing and texting them but not get through. I went to the Paypal facebook page and asked for help. That worked, Paypal transferred the remainder of my payment, less their fee {$320.00} on XX/XX/XXXX. I contacted Paypal and told them to cancel my account and did not use them again. Paypal did not close my account and still had my banking information. On XX/XX/XXXX Paypal deposited another {$300.00} into my business checking account. I did not see this. Paypal decided they made a mistake and on XX/XX/XXXX the withdrew the {$300.00} again. So we were even, I still did not know it happened. My balance did not show anything happened. On XX/XX/XXXX Paypal withdrew another {$300.00} from my business account. I did not catch this either. I had changed merchant service provider and I thought my account with Paypal was closed. I was contacted by a collection agency a few weeks ago telling me that Paypal had turned me over to a collection agency because I owe Paypal {$300.00}. I contacted the collection agency and told all this to them. They said I had to straighten it out with Paypal. I called, emailed and texted many times and have not gotten a response. I contacted my bank and they said they could not help me. The only thing they can do is cancel my checking account so that Paypal can no longer take anymore money out of my account. I sent Paypal a third email today telling them I was contacting you. I so not have an account number with Paypal. They use my email to sign in and identify me. XXXX My business is XXXX XXXX XXXXXXXX. I work out of XXXX XXXX | ||||||
| 05/30/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, my sister said a Venmo representative would be calling because she needed help with her account. There was money transferred to my venmo account from her. The alleged Venmo representative called and asked take amounts from that money and transfer to individuals with my sister line in the memo. After about 40 minutes on the phone with them, my husband called my sister and said I was still on the phone with Venmo and she said to hang up because she thinks it was a scam. So, I immediately got off the phone and filed disputes with Venmo to stop the transactions via each transaction as well as called them. Dispute Date Dispute Id External Payment ID Denied Appealed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX They then denied them on XX/XX/XXXX and I appealed them back to them on XX/XX/XXXX. I also sent them another email on XX/XX/XXXX. Then on XX/XX/XXXX, I received an email stating I do not sufficient funds to cover a disputed case. I then replied back to them again on XX/XX/XXXX stating this was again this was fraud that was immediately disputed and they needed to clear it out. They replied on XX/XX/XXXX asking for information, I then replied back to them on XX/XX/XXXX with the following : Do you know the recipient of the transaction? : No Did you contact the recipient for this transaction? : No Was your device lost, stolen, or out of your possession at the time of the transaction? : No Do you currently have possession of your device? : Yes Did you ever give anyone permission to use your account or device? : No Did you already dispute this transaction with your bank? : My sister and I both notified you all as soon as we were scammed by someone pretending to be from Venmo. We both asked you not to transfer funds and explained what happened. We both have separate cases. Those charges were all disputed within minutes to Venmo as the bank. No goods or services were exchanged. These were all fraudulent. They replied on XX/XX/XXXX with a denial. On XX/XX/XXXX, was my latest appealed and asked for escalation on venmo request # XXXX that denied and have not heard anything back. I even resent it on XX/XX/XXXX to XXXX ' XXXX ; XXXX and still have not heard anything back. | ||||||
| 07/01/2015 | Yes |
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| Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service. | ||||||
| 01/28/2019 | Yes |
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| Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. My computer history says a transactions was done by PayPal, not third party. I am not responsible for any negative charges, due to fraud and scam. PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. *note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX | ||||||
| 05/04/2022 | Yes |
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| PayPal has defiantly refused to pay me back my stolen funds. After I made an initial complaint, they claimed said I accepted a payment for cryptocurrency, which is all false. My fair business of programing/Coding and selling of open source products to my clients has seriously been affected by the clear stealing of my funds by PayPal over nonexistent damages. All charge back cases against me has been resolved amicably without an exception. I need to make it clear to you that, I did not sale any digital currency, I only created the codes for my client ; I code and create for people. In which case I did not infringe on any of the terms or conditions as agreed in the creation of this account. As clearly stated in PayPal 's Acceptable User Policy ( " AUP '' ), this service as regards coding clearly doesn't involve a sale of CRYPTOCURRENCY which would have in its case need prior approval from PayPal, but rather the sale of codes by a programmer to an individual, which in this case requires NO prior approval from PayPal as the payment gateway. I hope this is clear enough now, I SOLD CODES, NOT CRYPTOCURRENCIES. Whatever the use was later on by the man is clearly not my liability. I made it clear and blunt " I completed my own part of CREATING and LISTING '' this was basically coding and uploading the codes. As stated before whatever he might have used the codes for afterwards is not my liability. And it should not be a liability to my business either. - There was no sale or purchase of any digital currency from my business. - The amount agreed upon between my client and myself was contended and the remaining balance in tune of over {$1700.00} USD was payment for my service. - I type lines of codes for people. That's the job of a programmer. - In line with this ; My rights as a user of PayPal were clearly infringed, as I did not go against your AUP. And with that, firstly the clear mistake of the deduction of over {$1700.00} USD under the transaction ID : XXXX and XXXX respectively should be reimbursed to my account. Yet after provision of prove of transaction PayPal denied me refund of my stolen funds. I have not poised a treat to PayPal neither have I violated, or gone against it's policy and as a loyal I demand for my refund. Refusal is refund me is a scam from a very reputable company, illegal and out of what they have always promised as a legitimate financial institution, an act that can't even stand in court. | ||||||
| 05/03/2021 | Yes |
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| On XX/XX/2021 I sent a payment in the amount of {$1000.00} to a local business for the purchase of a transmission. The item was received in person and the sale was completed. PayPal is refusing to release the funds to the seller for 21 days. The " confirm receipt '' button on my payment transaction is not available. PayPal claims it is supposed to be available 48 hours after I sent the money to the seller, but there is no such button on this transaction via Desktop/Laptop using XXXX XXXX, my mobile phone, or any other device. PayPal Customer Service via phone can only promise to have " management '' look at it but each time they were supposedly opening a ticket I was conveniently hung up on. I have now made multiple calls to PayPal without being able to resolve this. I used my PayPal Mastercard to fund this transaction, so I will be forced to pay the {$1000.00} balance off BEFORE the seller even receives the funds. And, because PayPal is holding the funds, I will now have to take a check across town for {$1000.00} to pay the seller because they can not wait 21 days for the funds to clear. The CFPB should investigate this further and sanction PayPal because there are *DOZENS* if not *HUNDREDS* of similar complaints on forums and websites. In each case, the situation is virtually indistinguishable from my own. Buyer purchases an item in person, makes a rent payment, or sends money to a friend to pay for an item. PayPal states the buyer simply needs to click the " confirm receipt '' button to release the funds to the seller. However, the button does NOT show up up ( whether due to a technical glitch or intentionally ), and PayPal will not allow the Buyer to release the funds even if they fully verify their identity and request to do. It can only be done by pressing the button that does not exist. PayPal reps claim they are baffled that the button does not exist, but there is no easy process to open a ticket or receive customer service as each time I've called in I've been hung up on. PayPal needs to resolve this immediately. The CFPB should not allow PayPal to simply respond to this one complaint and avoid the broader problem that clearly exists. I have an exceedingly long PayPal history and I purchased an item from a reputable business. I have contacted PayPal and told them the item has been received. They are holding the seller 's fund in violation of their own policies, and I believe this activity is intentional and collusive. | ||||||
| 01/20/2023 | Yes |
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Web | Servicemember |
| XXXX XX/XX/XXXX I created a PayPal invoice # XXXX in the amount of {$100.00}. The invoice was paid for and I had money in my PayPal account. I did not receive any notices that the money " if not claimed within 30 days '' would be refunded automatically back to the purchaser. I tried to claim the money on XX/XX/XXXX, before the 30 days. I had to link my bank accout to transfer the money over. PayPal said they would be depositing two small amounts in my account and I was to verify these amounts. The amounts would show up in 1 to 3 days. This shortened my 30 days up by 1-3 days. So I couldn't verify at that moment. When the amounts showed up in my bank account on the XXXX, I verified the small amounts on the XX/XX/XXXX. Now we are after the 30 days. Then, PayPal asked for me to send a picture of my driver 's license or utility verifying my identify on the XXXX. I did this immediately, but now we are XXXX days past the 30 days. I was now a " Verified User '' and could claim my invoice. By this time, PayPal had already refunded the money with the XXXX of XXXX being the XXXX day. PayPal 's verification process did not allow me to have the full 30 days to make the claim by having to wait XXXX to 3 days for bank account approval then driver 's licence/utiity bill statement. Their policy of the " user verification process '' is not explained to users. delayed my ability to claim my money in 30 days and now I am out the money. The only recourse I have is asking the person who paid the invoice to pay it again. PayPal 's user agreement has been attached and it states : " If the seller you are buying from sells goods or services and that seller does not already have a PayPal accout, they can claim your payment by opening a PaPal account. If they don't open a PayPal accout within 30 dyas, your purchase will be refunded ''. I had an account opened long before the 30 days. This says nothing about being a " Verified User '' PayPal 's user agreement has been attached and it states : " When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction ( but no longer than 30 days ). '' What does " completes the transaction '' mean? I completed it when I recieved it. That's how transactions work. | ||||||
| 12/17/2021 | Yes |
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| On XX/XX/XXXX, I purchased a pair of shoes for {$57.00} from a website that appeared to a reputable company. I used PayPal to make this purchase. Approximately one week later, I went to make another purchase using Paypal and my transaction was denied. After calling PayPal the first time, they stated there was a permanent limitation on my account but could not tell me why this happened. During this first call, customer support said they were going to put my account into review to see if the limitation could be removed and I should hear something within 5 days through an email. I never received an email. I called a second time two weeks later and spoke to another customer service rep. They told me the same thing, my account was permanently limited and the status had not changed. During this call, I told the representative that I was a victim of fraud and needed to dispute the purchase from XX/XX/XXXX. He told me that he could not help me with my dispute but that I could get legal involved but that would be hard. I ended up finding a legal page on PayPal 's website and filled out a legal dispute form regarding my limitation. I mailed the form to an address in Nebraska and had to send the letter using certified mail. In the letter I stated that I was not sure why my account was being limited and why I could not be told why over the phone. I asked PayPal 's legal dept to call me or email me with an explanation on what was going on. One week after mailing the letter, I received an email and it said that after reviewing my account the were not going to change their mind on my account. The response I received is " PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior ''. At this point in time, I still have not been able to dispute the fraudulent charge, which I immediately reported once finding out the website was not legitimate and I can not get anyone to directly communicate with me on this issue. My only resources for correspondence with Paypal has been email and certified mail communication. In addition to being a victim of fraud, Paypal is refusing to assist me with a dispute and is also firing me as a customer. In over 20 years of being a Payal customer, I have never filed a claim for fraudulent activity and I have always been an upstanding, loyal and ethical client. I was a victim and I'm being penalized for something that XXXX 's of consumers face daily. | ||||||
| 09/14/2023 | Yes |
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Web | Servicemember |
| Preface : The matters outlined herein delve into the multifaceted intricacies of financial transactions and roles. For a holistic understanding and apt resolution, we recommend that this complaint be scrutinized by personnel possessing a deep-seated knowledge of financial nuances. I. Issue 1 : Mischaracterization of Roles. Description : PayPal has inadvertently conflated the roles, erroneously designating the complainant as the principal debtor when they are in fact a third-party surety. This error breeds confusion concerning the distribution of responsibilities between PayPal and the genuine obligor. II. Issue 2 : Ambiguity Surrounding Financial Instruments. Description : While the mainstream perception is that entities like PayPal proffer credit to be repaid subsequently, in a specie-devoid economy, a plethora of negotiable instruments exemplified by securities like T-bills, commercial paper, money orders, CDs, drafts, cheques, and bank drafts can be liquidated. Although this practice might align with current regulations, its underlying intricacies have been obscured, potentially leading to misinterpretations. III. Issue 3 : Nuances of Security Interest and Subrogation Rights. Description : PayPal retains a security interest as per the agreement. Ideally, this interest should actuate the settlement of the principal debtor 's obligations through assets, notably securities, from the debtor 's estate. Moreover, the right of subrogation, which may allow the third-party surety to substitute certain rights in lieu of PayPal after addressing the debtor 's commitment, remains ambiguously defined. This pervasive security interest, active irrespective of a default, suggests unforeseen implications for the surety, particularly concerning potential subrogation rights. IV. Issue 4 : Comprehensive Transparency in Investment Reporting. Description : While PayPal engages with a myriad of financial instruments, its disclosures during stakeholder meetings seem to lack granularity, prompting a more in-depth review. Note on Prior Communication : Engagements have been initiated with PayPal 's legal department about specific unfavorable conditions in the contract, especially the clause conferring them a security interest. Though a direct alteration to the contract was deemed infeasible by PayPal, an appeal for a mutual equitable arrangement was proffered by the complainant. A conclusive response to this proposition remains outstanding. | ||||||
| 11/13/2020 | Yes |
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Web | Servicemember |
| I sold a oriental antique rug 10x12 on XXXX. The gentleman was sending the rug as a gift to his cousin, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. He was known as XXXX, Phone # XXXX. He offered me : {$14000.00} for the rug plus {$600.00} for a {$500.00} gift card and {$10.00} for handling. I went out and got the {$500.00} gift card. He wanted me to scratch the back of the card and take photos of the front and back and send the pictures to XXXX. So, I did that and got a pending funds alert saying " Hello, XXXX XXXX XXXX '' XXXX XXXX send you {$15000.00} USD, Payment still on pending. You have a pending fund of {$15000.00} USD from your buyer XXXX XXXX. We would like to inform you again that the payment sent from XXXX XXXX not reflected in you PayPal account due o our terms and policy to confirm the XXXX Gift card of {$500.00} with the receipt and back codes from you so that we would be able to credit your PayPal Account because your money was place on pending by us for security reason. Status of Pending Funds : 95 %, Details of Transaction : Transaction id : XXXX, Transaction Amount : {$15000.00} USD, Case # : XXXX. Special Note : This payment will appear in the Activity section of you PayPal immediately you send us the pictures of the XXXX Gift Card of {$500.00} with the receipts pt and Back Codes from you so as to verify it on our XXXX and release the fund into your PayPal account immediately. We are truly sorry for the inconvenience we may have caused you. We are doing this in order to protect the buyer and the seller for a smooth transactions. I bought a XXXX Gift Card and put {$500.00} on it. They later also wanted me to get a {$200.00} XXXX gift card. When I saw that, I used the XXXX Gift Card for gas. There was {$500.00} on the card. But after I purchased {$14.00} of gas. It said there was a Rem Bal : {$290.00}. I only took {$14.00} off the card. Someone charged {$190.00} on the card. Maybe it was the people at the XXXX. If this service has my money, why aren't they putting my money in my XXXX paypal account? Am I being scammed. They guy that I was texting back and forth at XXXX is in the XXXX and it happened on XXXX, XXXX XXXX. So, was I being scammed. I got a message from XXXX saying XXXX made me an offer which I accepted. He sent me money. The amount we agreed on was {$15000.00}. He used a paypal service : XXXX. I believe I jumped through the hoops. Now, where's my money. I haven't sent out the item. | ||||||
| 05/25/2023 | Yes |
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| Dear PayPal Customer Support, I am writing to you to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation has been imposed in error, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. I kindly request that you re-evaluate my case and restore my account, allowing me to resume using PayPal 's services. To the best of my knowledge, I have always complied with PayPal 's terms and conditions since I opened my account. I have used it responsibly for various transactions, including personal payments and online purchases. I have always strived to maintain a positive and trustworthy relationship with PayPal, and I am genuinely surprised by the permanent limitation imposed on my account. I would like to emphasize that I have not participated in any prohibited activities, such as fraudulent transactions, unauthorized access, or any form of malicious activity. I have consistently adhered to PayPal 's policies and guidelines, conducting my transactions in a legitimate and ethical manner. It is my sincere belief that my account has been mistakenly flagged for violation, leading to the unjust restriction. Given the circumstances, I kindly request that PayPal undertake a thorough re-evaluation of my case. I implore you to conduct a comprehensive investigation into my account activity, including the specific reasons that led to the permanent limitation. I am confident that upon review, you will find no evidence of any wrongdoing on my part. Therefore, I humbly request that you consider reinstating my PayPal account, allowing me to continue utilizing your platform with the same level of trust and confidence as before. For your reference, the email address associated with my PayPal account is XXXX. I kindly request that all correspondence regarding this appeal be directed to the provided email address, as it is the primary method of contact associated with my account. I would like to express my utmost appreciation for your attention to this matter and your prompt consideration of my appeal. I have always valued PayPal as a trusted and reliable financial platform, and I sincerely hope that this misunderstanding can be rectified. I am eager to resolve this issue amicably and look forward to a favorable response from PayPal. Thank you for your time and understanding. Sincerely, [ XXXX XXXX XXXX | ||||||
| 06/04/2021 | Yes |
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| PayPal has a service called PayPal XXXX, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. On XX/XX/2021 I received 6 refunds in regard to transactions I made at XXXX, XXXX, and XXXX using my PayPal XXXX at the end of XX/XX/2021. On or around this same day, my PayPal account was permanently limited for undisclosed reasons. I am unable to access these funds, and/or receive refunds from any outstanding transactions. The following transactions were refunded to my PayPal account, but I am unable to withdraw : XXXX {$4900.00} XXXX {$3000.00} XXXX {$4300.00} XXXX {$1900.00} XXXX {$3000.00} XXXX {$3000.00} I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX These transactions were for personal airline tickets in my name I purchased using my credit card through PayPal XXXX. These flights were subsequently canceled, and refunded to me. It appears these refunds have been going to my PayPal cash balance, not the actual underlying credit card used on my PayPal XXXX. Because of this, I essentially have $ XXXX in credit card bills, but PayPal has held the refunds as theirs! I am respectfully requesting the release of my funds. These funds should have been refunded to my underlying credit card. I can not be charged for a transaction that was canceled and refunded and have my funds held. I request either the release of these funds, OR the return of these funds to my underlying credit card that was charged by PayPal XXXX. I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX Additionally, I am requesting the return of my funds for these 2 above transactions that were unable to be refunded by the merchant. I am unable to dispute this transaction with the merchant because PayPal has limited my account and dispute access. Essentially PayPal is not allowing the merchant to refund me, and I can not open any dispute or inquiry into this matter because PayPal has limited my account access! | ||||||
| 02/18/2019 | Yes |
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| On the Months of XX/XX/2019 to the Day of XX/XX/XXXX I have received Email Transfer Message to be Applied to me for Payment Transaction to my Account. I applied PayPal Request Arrangements for All The Request for Payment Transaction .The PayPal Account is A XXXX XXXX Account The Is Connected To my XXXX XXXX XXXX XXXX Account which is Connected To my XXXX XXXX XXXX XXXX XXXX Account. The PayPal Request Arrangements was made by me for Request payment Arrangement.I do have the Information listed at this time. With Email Addresses and Money Amount's.1 from XXXX XX/XX/XXXX at XXXX XXXX sent to my email address of XXXX for the amount transferred to my account for {$5800.00} PayPal Transaction I Don't U-sayXXXX .2 From XXXX on XX/XX/XXXXat XXXX XXXX PayPal Transaction I Don't U-2 XXXX. For that Amount of {$7400.00} to my email address of XXXX. XX/XX/XXXX from XXXX Transaction I XXXX XXXX for the Amount of {$2500.00} to my email address of XXXX 4 .On XX/XX/XXXX Request Payment for {$2000.00} to my PayPal account on XX/XX/XXXX from and to XXXX Transaction I D. XXXX. The Email from XXXX was from XX/XX/XXXX for being A Beneficiary of Her Estate Arrangement to Take The Amount of {>= $1,000,000} to my Email address of XXXX. 5 XX/XX/XXXX from email address of XXXX for Payment Transaction to me for the Amount of {$1700.00} E-ticket # XXXX PayPal Transaction I D. XXXX Request Payment Transaction to my PayPal account and from my Email address of XXXX 6 XX/XX/XXXX from XXXX for Several Transaction Amounts to my PayPal account I D # XXXX Transaction I D XXXX this is One Amount Request for {$3300.00} to my PayPal account sent to my Email address of XXXX XXXX : : PayPal Spoof @ paypal Customer Service has All Request Payment Transaction To me and my PayPal account Under investigation by XXXX XXXX This is A XXXX XXXX Account under my Email address that is Registered on XXXX and XXXX XXXX. Please be Advised that I Also am A Member of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have Alerts on My Social Security Number, Birthday Birth certificate and Ohio State Identification Number. Along with Multiple Addresses that are listed and Not Listed. Please check Credit Report and Any Credit Request Filed Under my Name and Sociak Security Number. Birthday. I also have One Son that has The Same Name but Different Birthday. Please file my Complaint I filed Thank You. They have a link to my account and it is frozen. I can not receive or load the card. | ||||||
| 12/11/2018 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. It's not in my bank and it's not in the PayPal account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 3 : What happened? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal, and I XXXX XXXX XXXX | ||||||
| 09/27/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX a transfer was initiated via the online merchant money center known as Venmo. The transfer was sent willingly and knowingly from XXXX XXXX and XXXX XXXX. The amount of the transfer was {$370.00}. During the period of this transfer my Venmo account had just been made. I am a divorced woman in my XXXX XXXX and have very little knowledge of these types of technology however it was the only option to receive the funds from the employer of XXXX XXXX XXXX XXXX XXXX XXXX I verified my identification with no isssues on the first day of the account being created, XX/XX/XXXX. Successfully. I uploaded sensitive info along with photographed documentation of said sensitive info to prove my identification. Now, as I mentioned- I am not particularly tech savvy. Whilst attempting to enter info regarding my bank and where I needed MY funds to be transferred out of this service- I received an error message. I am human. It appears I accidentally entered my daughters bank info instead of mine as I have all of this info in a notebook I keep for records for our family in case of an emergency and an app fails, etc needless to say I can not explain to you in the best detail the horrific experience I have gone through since this has happened. I have had corresponded with Venmo on the following dates : pleading and pathetically begging for money that is MINE : XXXX XXXX twice XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX twice ( todays date ) over TWO months after what was meant to be a simple and swift exchange and sorely needed throughout this time. I have submitted every single document you can imagine that would prove my identification, multiple times, FRONT AND BACK and today, the pies de resistance I received a final email stating that even after all of my tireless efforts to retrieve MY funds- VENMO PERMANENTLY DEACTIVATED MY ACCOUNT!! They have arbitrarily held my money for almost 100 days now. Money my family needs. I am recently divorced and this added stress has admitted me to the XXXX where I was diagnosed with XXXX XXXX XXXX. I explained this to Venmo. They are inhumane and do not care about their consumers. I was told that from TODAYS DATE XXXX they are allowed to hold my money for an additional XXXX at which SHOULD THEY DECIDE I am allowed to have it they will contact me via email..?????? How is this legal????? Please help me. Complaint also filed with FCC as well as Federal Trade Commission. XXXX XXXX XXXX | ||||||
| 03/18/2021 | Yes |
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| Ive used PayPal for the past 3 years now! 2 weeks ago my friend XXXX sent me {$5000.00} over 4 payments, and had his buddy send me another {$1500.00} through PayPal, {$6500.00} total. Luckily I was able to move {$3000.00} if it to my bank account, but {$3500.00} is stuck in PayPal and they arent giving it back to us! XXXX is planning a trip to Hawaii in 3-6 months so he sent me this money to hold, so I could purchase 2 mountain bikes here on XXXX if & when they come on sale. On XX/XX/2021 I noticed there was a hold on my PayPal account and I still have {$3500.00} in there! PayPal notified me they are terminating my account, that they dont want to do business with me any more! I asked them why & they told me that XXXX was suspicious but couldnt tell me how. They said they couldnt talk about his account to me, & Because XXXX sent me money & Im associated with him, they are banning me too! But We did nothing wrong. I have never done any illegal activity ever. On PayPal or in my every day life, I have XXXX kids & an honest job! Im not sure what XXXX is doing but as far as I know he is a good guy too.. What I did do different this time though, was transfer the first {$3000.00} to my checking account with out paying them fees! This time I waited 2-3 days so I wouldnt have to pay the 1-2 % they charge us! I had to verify my account again bc it was the first time I moved money without paying them! I believe this is the reason they terminated my account because they didnt get a Sevice Fee from us and their cut of the {$6500.00}! I have paid PayPal hundreds if not thousands of dollars through XXXX and through them directly over the past 3 years. I have records to prove it.. We are currently living through a pandemic & people are struggling!! Many times looking for money for food, and rent! PayPal is a billion dollar company, why are they allowed to steal money from their customers like this!?? I have heard countless people come out and tell me PayPal has been doing this to a lot of people and there is a good chance PayPal will try to take this {$3500.00} from me in 6 months! Please help, please tell me what I did wrong! I am willing to reverse the transactions, refund XXXX and he can send me a check, but stealing it from us is UNACCEPTABLE.. if they dont want my business I can live with that just fine! I will use a different payment method, but taking our money and banning us at the same time is preposterous!! Help! From XXXX ph XXXX | ||||||
| 12/27/2019 | Yes |
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| In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : Paypal Inc., regarding an amount owed of {$80.00}. As the only account I have ever had with PayPal was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. I contacted PayPal Credit and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at PayPal, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. In XX/XX/XXXX, I received a second collections letter, but this time from a XXXXXXXX XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or PayPal credit even though I was told someone would contact me. I assumed the issue was resolved until I received another letter from XXXX dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from PayPal indicating no change to collections balance. I was transferred to PayPal credit who could no longer locate the account to investigate further. payPal then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with PayPal initially. At this point PayPal gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. Note that between XXXX when this account was created to XXXX I never received any communication from PayPal via phone, e-mail or mail indicating that I had an outstanding account. I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by PayPal would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue. | ||||||
| 04/22/2015 | Yes |
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| When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau. | ||||||
| 12/28/2021 | Yes |
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| On XXXX XXXX, 2021, I was contacted by someone on XXXX XXXX looking to buy an item I had listed. I generally use cash for these transactions, but the person asked for my Venmo username, and without thinking, I provided it. A few minutes later, they messaged me that they had accidentally sent me {$2000.00}, which was their rent money. They sent me many frantic messages begging for it back. I was skeptical, and took some time to research whether this might be a scam or not. The clearest advice I found came from Venmo 's help pages, which told me that if a stranger sends you money accidentally, and you see it in your Venmo balance ( which I did ), then it is safe to send back, and that is what they advise you to do. When I later spoke with a number of Customer Service representatives on the Venmo 's fraud line, they advised the same. I saw that my Venmo balance contained the extra {$2000.00}, so I accepted the request for a refund. After sending the money, the person stopped responding to messages and deleted their XXXX account. Almost immediately, I realized I had probably done the wrong thing and contacted Venmo again, and asked them to reverse my refund payment. They said I had done the correct thing and it was likely not a scam and they would not reverse my payment. On XXXX XXXX, I noticed that my Venmo account now had a negative balance, and that there had been a chargeback filed by the sender. From my online research, I assume their card was stolen by a scammer when the payment was made to me, and when I issued the refund, the scammer sent it to his own bank account. I submitted these details to Venmo, who argued on my behalf with the credit card company, but the credit card company found in the sender 's favor. I am now ( as of XXXX XXXX ) told by Venmo that I owe them over {$1500.00} ( they have already seized approximately {$500.00} that was in my balance at that point ). They have said there is nothing else they can do. I am frustrated and confused that there are no protections of the Venmo Balance, given that some protections would be offered by my bank account or credit card. Because the money was sent to me first, it was withdrawn from my Venmo Balance, instead of a source that might offer me better protections. I am even more outraged that Venmo ( on both its published help pages and Customer Service lines ) offers incorrect guidance, which only results in costs for users, but Venmo takes no responsibility. | ||||||
| 09/23/2015 | Yes |
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| I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I have submitted police reports in XXXX XXXX XXXX and XXXXPrecinct XXXX XXXX XXXX where the perpetrator lives. As a member of Paypal who does all my processing, I was assured protection from illegal charge backs. However PayPal have lost 4 times including XXXX XXXX by XXXX XXXX XXXX that were done under PayPal seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. When presented with all the evidence which Paypal states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to Paypal prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by Paypal - PayPal now refuses to honor their liability. To date I have paid {$2300.00} in illegal charge backs to Paypal. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also Paypal refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws of XXXX. Clearly evasive action by Paypal not to honor their commitments. The internet is full of cases where Paypal routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's XXXX whom all state Paypal is notorious for this practice. There are XXXX more charge backs potentially coming from the same customer whom Paypal advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus PayPal fees. I need help. Paypal is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by Paypal. Please contact me for any additional information. I have also filed with the FBI. | ||||||
| 08/04/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I purchased 2 concert tickets in the amount of {$1200.00} ( XXXX XXXXXXXX each ) and were asked to transfer to money through Venmo XXXX After the transaction happened, I learned that the Venmo account that I had sent money to was not the initial seller. Turned out the seller used her friend 's account to receive the money and had that person send the money to her. I waited for hours yet I did not receive the tickets and the seller stopped responding to my messages. Early morning on XX/XX/2023, I called Venmo to report the transaction and was told they would take care of it and would help me to get my money back. I also asked the Venmo receiver to send my money back as it was a scam but he told me he had already send the money to the seller ( his friend ). At that time, the transaction was still pending on my bank account so I called the bank to stopped the transaction before it finalized. The bank was able to stopped the transaction with the charge of {$35.00}. On XX/XX/2023, I received an email notifying me that my Venmo account was frozen because of negative balance. Turned out Venmo sent the money to the receiver while the transaction was still pending on my bank account and now Venmo wanted me to pay them back the funds they had sent to the scammers. I contacted Venmo with the hope they could at least take proper actions against scammers and requested the money back from them. Yet it did not happened. They never asked for any proof or information regarding the scam nor willing to resolve the issue. As a customer and a victim of a scam, I was lucky to get my money back in timely manner, yet Venmo is now after me for the funds and sending me notices that they would give my information to a debt collector agency. As Venmo is with Paypal, on XX/XX/2023, Paypal sent me another notice to request me to pay back the fund. Venmo has been used as a mean to scam people and they are not taking proper actions to protect their customers who are victims of scams. Instead, they're after us victim and pretty much not doing anything to the scammers. I know there are a lot of people out there who are unfortunate for not being able to get their money back. I was able to through my bank, and now Venmo 's collecting debt from a victim which is absolutely obstructive. I hope by raising my voice and submitting my case, CFPB will help us victims to at least correct Venmo 's procedures in handling cases like these. | ||||||
| 01/14/2023 | Yes |
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| On XX/XX/2022, my friend XXXX gave me a prepaid gift card as a gift for the care and support I gave him during his illness with XXXX. In order to remember our mutual help and friendship, I let him register the card in his name, I was going to use the card in a store, but I needed to order something on a foreign website and I didn't want to expose my personal privacy and credit card information on a website outside the XXXX. So I tied the gift card to link my paypal account and successfully paid for the order, I haven't too much thoughts then removed the card because there is no money in it anymore, I didn't change the card to my name, even though I have the receipt and picture of the card, actually I can do it but I ignored it. Because it linked to my paypal account without any problem and paid successfully, I ignored the name issue, but perhaps because of this little accident, XXXX days later, paypal cancelled my order without any explanation and without giving me any opportunity to explain or verify it, and just brutally and permanently limited my account, I received an email told me that I no longer could use the paypal because of potential risks. I was mistakenly considered a fraud by the foreign merchant and refused all my future transactions. Even though I compensated the merchant for the loss but they said they didn't receive. they still refused trade with me. Paypal returned the money on XX/XX/2022, however the gift card was locked, I called the gift card bank a few days later and was told that the money had been returned but I needed to fax them some receipts, since the gift card was purchased by XXXX, I didn't fax it to them. A few days ago at the XXXX XXXX XXXX XXXX party, XXXX told me he didn't contact the card company because he was too busy and he would contact them to unlock the card when he is free, we put this unpleasant experience.A few days ago the merchant contacted me and said they had misunderstood me due to some carelessness, they actually received my compensation, so they invited me to continue trading with them and welcomed me to buy again, but my PayPal account was permanently limited. and I couldn't continue shopping because of a small misunderstanding. I can not continue to shopping, I was so unlucky, but I can not understand they unilaterally permanently limited my account. this decision and punish is too harsh for me, yes! I consider it a punishment because it has negativel affected me. | ||||||
| 05/13/2022 | Yes |
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| On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity. | ||||||
| 04/22/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX I decided to make a purchase of some dresses for my wife and used PayPal for payment.The seller told me that I will receive my order within 2-6 days, now is telling that I will receive it no less than a month or 45 days. accidentally l checked the invoice the shipment coming from XXXX XXXX it is an XXXX store. I can not wait so long for several XXXX products.so I am disputing this transaction, I don't like lying. And I do not want t pay for a products that I don't wear. Just in the invoice please check the website but I was told that it is a local store a little far from XXXX XXXX of all the seller send the shipment after I made a dispute. My wife ordered from the seller some goods like clothes etc. from website https : //envofashion.com where the average price is {$50.00}, I paid {$370.00} Calculating I supposed t get 6-7 items and I supposed to get a medium or big box, instead I received an envelope 7 by 4.5 inches where the seller could fit no more as a postcard. The seller decided to send something via USPS and through tracking number USPS can decide that I received the shipment and Paypal closed the case to seller 's favor. Please ask the seller how much is the weight of the envelope.Just in case I attached the envelope to compare with XXXX size paper.The envelope came from XXXX, GA. Also the shipment came from a company XXXX XXXX, I googled and found their XXXX page https : //www.facebook.com/search/top? q=Jewelry % XXXX where they sell jewelry and whatches worth $ 10-20.couple of those could fit in the envelopei paid XX/XX/XXXX the shipment appeared on XXXX after i started the dispute and i am not sure what is in the shipment. if it is what i ordered i will cancel the dispute. Theseller reported somg government agency. I am requesting from Paypal and the seller to provide me any type of explanation to what was in the envelope, otherwise the seller 's only response was Tracking info provided by XXXX XXXX XXXX which is I XXXX Shipped by Other .And the buyer received the shipment, which is an envelope. Not PayPal not the seller don't provide me with any serious information to response, only threatening that there is a report somewhere. But in reality this is becoming internet fraud, because paying {$370.00} and getting an envelope with a postcard where PayPal is involved too, because the transaction was done through PayPal, which is reviewing seller 's information two weeks, usually it takes 5 days | ||||||
| 01/15/2020 | Yes |
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| I have had my account with PayPal for 8 years with no incidents. XX/XX/2019 I started XXXX XXXX To a cusnsumer whom made several transactions through XX/XX/2019 as well. In XX/XX/2019 I noticed my PayPal account had become several hundred dollars in the negative. I made contact with PayPal in these regulars to submit validation and text messages to prove that the transactions were legit from the customer whom contested them with their financial institution. The claim was filed with PayPal and almost instantly denied in my favor. I called several times and was advised PayPal had no control over the out come because the transactions had been submitted by the individual from the friends and family selection PayPals app? I do not agree this is possible as PayPal seen that I had spent the money in question and they had refunded it to the bank under the same liability clause and in return deducted that balance putting my account in the negative. Bias as this is saying that my account is less than one of the financial institutions is not fair I trusted them with my financial business or money and how can the bank of said customer have a Stronger pull on the outcome if I gave proof to validate any of the information given? I also advised PayPal of the 2 month delay that it took the consumer to alert their financial institution and they claim they can not control the outcome! I think its sad if they can get away with this treatment. I do not agree and Im trying to maintain professionalism. My 8 years with PayPal should speak for itself that this incident is not my fault or unauthorized. The transactions were valid and the real reason the consumer had to dispute the transactions was due to his significant other questions the XXXX nature of the listed XXXX items he had received and she had discovered his secret thus causing him to cover his tracks lying and disputing the paper trail sadly. I submitted the texts to PayPal for their records and they have done nothing to help me. Is is because of the XXXX part? Im so confused how a financial institution can persuade another under false pretenses if their consumer is the one at fault? I dont do business with this alleged institution Im doing business through PayPal they are the ones violating my trust rights by allowing manipulation through banks or liars to contest valid charges. I do not care what selection is used during said transactions through PayPal they need to fix this! | ||||||
| 03/05/2023 | Yes |
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| I received notification on XX/XX/XXXX that my account was not eligible for reactivation due to concerns about my activity. However, I believe that this decision was made unfairly and without proper consideration of the circumstances. I am writing to express my disappointment and frustration at the decision to permanently deactivate my Venmo account. Despite patiently waiting for several years, I have been unable to access my account due to concerns about my activity that I believe to be false. I have read and carefully followed all the terms of service and have never engaged in any activity that would jeopardize the safety or security of the Venmo community. Therefore, I believe that my account was deactivated unjustly, and I can prove that I never broke any terms of service. I have been a loyal and responsible Venmo user for many years, and I have never engaged in any activity that would jeopardize the safety or security of the Venmo community. I have always followed the terms of service and have never violated any rules or regulations. Therefore, I am deeply confused and concerned about the reasons behind my account deactivation. I respectfully request that you review my account again and provide me with a clear explanation of the concerns that led to my account being permanently deactivated. I also request that you reconsider your decision and reactivate my account, as I believe that this action was taken unjustly and without sufficient evidence. I most recently spoke with XXXX XXXX on XX/XX/XXXX, but unfortunately, she was unwilling to assist me with reopening my account. I am deeply disappointed with the lack of support and assistance I have received from Venmo 's customer service team. I have waited patiently for five years after being wrongfully terminated, and I believe that reopening my account is a reasonable request. As I mentioned in my previous complaint, I have been a responsible and loyal Venmo user for many years. I have never violated any terms of service or engaged in any activity that would jeopardize the safety of the Venmo community. Therefore, I believe that my account was deactivated unjustly and without proper consideration of the circumstances. I respectfully request that you review my account once again and reconsider your decision to permanently deactivate it. I am willing to provide any additional information or documentation that may be necessary to resolve this matter. | ||||||
| 09/29/2022 | Yes |
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Web | Older American |
| I used venmo for the first time XX/XX/2022. I sent request for payment of {$45.00} and it was rapidly put into my Venmo account. When I tried to transfer my {$45.00} to my checking acct, Venmo sent this email : '' Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government-issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. '' ETC. NO explanation as to what I violated. So I call their 'great ' customer service line trying to find out what user agreement I have 'violated '. Absolutely no help other than to say I had to provide my ID via email. I responded to the email asking them why and basically got a generically generated response. So I ask for more information and we go back/forth via email but they never give any answers and there's not a name, number or anyone I can actually contact other than this generic email cosmic hole or their equally unhelpful phone rep hole. But I insist and keep trying to find a phone rep that might have better/different info. No luck. Even got a 'supervisor ' who could not do anymore than the other reps. So customer service is a joke and a circle that no one can navigate out of. Finally, I realized I will never get this solved through Venmo phone reps or email. Next, I tried to close my Venmo acct. Guess what : they won't let you close your account ( online or via phone ) when it is frozen. So I contacted the person who sent me the {$45.00} to tell her to take it back ; she says there is no way for her to get the money back ; Venmo phone reps confirmed this as well. Venmo has my money in a frozen account, won't send it back to person who sent it, won't tell me why my account was frozen, won't let me talk to a person who 'might ' be able to give me some answers, insists on me sending them my ID ... sounds like they think I am a scammer when they are the ones scamming me. Does Venmo ( paypal/XXXX XXXX ) just keep my money forever? If they needed to verify my ID, why didn't they do that when I first signed up for Venmo? So yes, I want my {$45.00} because I worked hard to get it. Also I want my Venmo account closed and my info erased from their databases. And I want you or someone to actually protect us from these financial scammers and predators. | ||||||
| 08/22/2022 | Yes |
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| Company : VENMO My account was locked in XXXX ( ish ) time frame due to trying log in 3x ( due to could not remember password ). I reported the problem on Venmo website ( XX/XX/2022 ) and per their immediate response ( thru email ), they assigned this case to their special account specialist and there would be someone to contact me via email within 3 weeks On XX/XX/2022, I received email from XXXX XXXX ( support venmo ) that they asked me to post my US ID and a picture of myself holding the ID to their secure link. On XX/XX/XXXX, I responded back via email that I'm concerning the safety of posting my pictures on their web link ( even though per claim it's secured ). The concern was due to I have never been asked to do that by other security banks, phone, ect... to verify my identity. Within that email, I've requested for a phone call ( which I supply my phone # on that email ). On XX/XX/XXXX, I received response from XXXX which say understanding of my concerns but they have not provided other secure way to verify my ID. They stick to post my ID to their web link. On XX/XX/XXXX ( due to my unavailable schedule to check email, that's why I didn't check email often ), I called their customer service and start complain but this phone call could not connect to Account specialist ( based on their input, Account specialist won't have a direct phone call with customer but only via email ). After the phone call, I responded to XXXXXXXX XXXX email ( from XX/XX/XXXX ). I was very upset as nothing being done. In that email, I even propose to do video phone call to show my ID online face to face. On the same date ( after my phone call ) at XXXX PDT, I also received email from XXXX XXXX said that there was a one-time code sent to " ... someone else email '. This had prompt my response to why they send the code to someone else email. On XX/XX/XXXX at XXXX XXXX, I received email from XXXX which stating their concern about privacy and security but then again keep asking me to post my ID to their web. I responded back that what they said about their security is just their saying. There is no proof about that. I've requested again to do either video phone or I can go to their local office which I saw on their web page to do face to face for verification ( I asked for the correct local address ). There is no response since then. I'm very concern about their lack of privacy and security and the way they handle business. | ||||||
| 04/27/2022 | Yes |
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| On XX/XX/XXXX at XXXX AM I added {$250.00} cash to my PayPal cash card at a Dollar Tree located at XXXX XXXX XXXX XXXX, NY ... Then I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY, and made a purchase for the amount of {$180.00} at XXXX PM on XX/XX/XXXX. At XXXX PM while sitting at HOME I received a notification from PayPal stating that an ATM withdrawal for the amount of {$73.00} was removed from my card at BEST XXXX XXXX XXXX XXXX XXXX, NY XXXX I DID NOT MAKE THIS TRANSACTION!!!! NO ONE HAD MY AUTHORIZATION TO MAKE THIS TRANSACTION!!!!!!! MY CARD WAS STILL IN MY PURSE WHEN THIS TRANSACTION TRANSPIRED!!!!!!!!!! At XXXX PM I called PayPal to report this unauthorized transaction! I was told by my card is being canceled, and the transaction will be investigated. On XX/XX/XXXX I received a message from PayPal stating that my claim was denied. I then call back and was told, I need additional documentation to prove that I did not make the transaction. On XX/XX/XXXX I filed a police report. I contacted PayPal I spoke to a representative letting them know that I filed a police report. I was sent instructions on how to appeal the case in my personal inbox with PayPal. after following the instructions, I was still unable to appeal my case so I called in again!! I explained to him what the prior representative told me to do, and was told that I need not do anything he will take care of everything. On XX/XX/XXXX I received a notification from PayPal denying my claim again!!!! I called in AGAIN spoke to a representative that sent a link in my private message box to upload my police report and stated it will be used to appeal my case!!!!! I uploaded the XXXX XXXX XXXX Confirmation on XX/XX/XXXX. But XX/XX/XXXX I received a call from a PayPal representative stating that a police report will not be accepted as verification!!!!!!!!! I told her what was told to me by the prior representative, and to check the messenge box to see the message of the prior representative. She repeated that a police report is not sufficient, I sent me a message in the same message box which all the other representatives have sent me messages about my claim!!!!! After being with PayPal for eight years without any issues I am getting the runaround, without any type of HELP to SOLVE this FRAUDULENT PROBLEM!!!!!!!!!!!! I can provide documented proof of everything that I have stated in my complaint!!!! PLEASE HELP!!!!!!!!!!!!!! | ||||||
| 09/07/2023 | Yes |
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| On XX/XX/2023 I received money from friends and family via PayPal, hours later I received a message saying that my account was limited and I need to submit a picture of my ID, proof of delivery for transactions that werent for any goods and service but instead money sent to me from family and friends. I uploaded a picture on my ID which matches the name on the account and also contacted customer service on that same day. I asked customer service why was my account temporarily limited and he checked the account and told me it looked like that was a mistake from their system as I didnt have to provide proof delivery for money sent to me from friends and family. He also told me he was submitting a ticket to get a manager involved and go over the account. The agent advised me to give it XXXX hours for a resolution and to expect the resolution via email. The next morning XX/XX/2023 I woke up to an email stating that PayPal was permanently limiting my account and would hold my money ( {$260.00} ) for a period of six months. I then contacted customer service again, and again I asked what was the reason behind their decision but she told me she wasnt sure why, I explained to her that my friends and I do get togethers at least once and month and every time we do that I collect the money to purchase the food, utensils and anything else needed for our activities, because Im XXXX XXXX XXXX mom I have more time to help with getting everything together for our fun moms time. That agent asked me if I was receiving money from overseas to which I replied I wasnt since my friends live within the XXXX. She told me she would put in another ticket to request a higher up to take a look into my account. Im still waiting for a resolution which at this point I will no longer be using PayPal since the way they do business is totally damaging for people, holding my money for XXXX months without an specific reason its a violation. Because of this hold I had to put money out of my bank to cover the food and items needed for the get together and now Im left with no money to cover my rent. Its a violation for this institution to hold money for XXXX months without providing a solid reason as to why, none of the customer service agents I have spoke to knew why was my account permanently limited. I would like to have access to my money as soon as possible since they arent given me an explanation as to why they want to hold money for XXXX months | ||||||
| 12/17/2020 | Yes |
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| Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. For your immediate attention and compliance XXXX XXXX | ||||||
| 04/26/2023 | Yes |
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| Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account XXXX under the email address Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account, under the email address XXXX. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. Thank you for your attention to this matter. Sincerely, [ Your Name ]. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 10/21/2019 | Yes |
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| On XX/XX/2019 at around XXXX XXXX, I have received a disturbing email from PayPal that I made an " authorized '' payment to XXXX XXXX XXXX for the amount of {$1300.00}. It was clear that someone used my log in information to use my PayPal account to buy something from XXXX XXXX. I went online to use the PayPal Resolution Center to submit a dispute for this fraudulent transaction because their phone operations was closed then. PayPal told me it would take less than 9 days to " investigate '' my case. Come 4 hours later, I have received another email stating my case was denied. Following morning XX/XX/2019, I made a phone call to them stating my case verbally. The customer rep. seemed very enthusiastic to help me get this matter resolved and told me not to worry and she would appeal my case and respond via email. Come 3 hours, I get another email from PayPal saying my appeal has been denied. So far I've been denied twice. I then called my bank to stop payment for {$1200.00} ( This was the difference that PayPal tried to collect after they used my {$80.00} that was in my PayPal Cash Account/Virtual Wallet ). The bank happily put a stop payment even though it hasn't shown in the account activity, so I was able to intercept the charge. I then called PayPal a second time to see if they can escalate my case, but unfortunately customer rep told me he couldn't do anything else. According to them, the fraudulent transaction was " authorized '' from me. So I figured putting a stop payment would revert everything to normal. Obviously I was wrong when I logged into my PayPal account on XX/XX/2019 around morning and immediately noticed they put a negative charge of {$1200.00} on my virtual wallet account. Furious, I called them up a third time to see what they could do to rectify this problem : the only thing the customer rep. did this 3rd time around was re-open the case and appealed it again. I'm pretty sure it wouldn't solve anything a third time. I have been a loyal XXXX customer for over a decade so it doesn't make sense why I would pay XXXX XXXX. I don't even have an account with that phone company. I have been a loyal customer with PayPal for almost 2 decades and have had a good status with my account until now. They are supposed to be safe and protect the customer but their 2-3 hour investigation ( after they told me it would take 9 days ) wouldn't help my case at all. I'm very upset and stressed over this matter. | ||||||
| 10/23/2023 | Yes |
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| XX/XX/XXXX, money was sent to me via paypal. PayPal sent notification to accept the funds but showed it as a goods and services transaction instead of a personal one. PayPal asked me for a taxid to release the funds. I did not accept the transaction because of the wrong categorization and asked the sender to cancel the transaction. PayPal sent an email for me to approve a refund but instead of giving the sender back their money, PayPal took money out of my bank account to issue a refund. I called them a couple of times and sent messages via their website to correct this to no avail. I filed a dispute with my bank to get the unauthorized money they took out of my account and the bank refunded it. PayPal is still holding onto the sender 's money, refusing to cancel it without getting my social security number or taxid. This seems strange to me. What do they want my social security number for? I've asked them several times to cancel the transaction, I do not want the money. First I was told that the sender selected goods and services, which I disputed. Then I was told it's because I gave a QR code for them to identify my user info. This is not a business account. It is a personal account and I did not select the business account option. The bottom line is this should have been a personal transaction so in light of that I have been asking for a cancellation. They will not return the sender 's money even though they acknowledge that it was not intended to be a business transaction. They still refuse to rectify the situation without getting my social security number. First I was told this has to do with regulatory requirements. I disputed this claim because the IRS 's website contains info stating the requirement enforcement has been pushed to XXXX. Now, I was told it is to satisfy PayPal 's requirements because it is a large amount. It is still unclear why my social security number is warranted to cancel a transaction. I do not wish to accept the payment, I just want the transaction cancelled and the money returned to the owner. I am not selling goods or services to the sender and should not be strong-held to purport that I am. There are reports of PayPal trying to aggregate user 's social security number for a business venture they have going or will have going with another company. I do not know if this is true or not but hope to get to the bottom of this since PayPal is being wishy-washy in their responses. | ||||||
| 08/11/2023 | Yes |
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| On XX/XX/XXXX, i received an email from Paypal that I could no longer use Paypal. I copied the email and pasted at bottom of this message. I probably use paypal 1-2x a month to buy a gift card on Paypals gift card website. Or maybe use it at an online retailer here and there. I receive small transfers from friends, family, and an occasional small rebate check here and there. There is nothing abnormal or suspicious about my account. And there is no reason at all for my account to be restricted. Paypal representative simply said there are no appeals and that he couldn't give me any information. Meanwhile, they are holding {$1000.00} for 180 days ( starting XX/XX/XXXX ). This is completely irrational and has to be a mistake on Paypals end. When i hear/read of things like this happening to people, I always assume there is a big missing piece of information that people are leaving out. That is not the case hear, and paypal is just simply shutting my account down, holding my money for 180 days for no reason and will not provide any reason. I understand digital apps are different than banksbut i honestly dont know how this legal/permitted Ref ID - XXXX You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. | ||||||
| 03/18/2023 | Yes |
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Web | Older American |
| Since XXXX I have linked my XXXX XXXX to Paypal in order to protect my purchases. My card expired, and they had to send me a replacement. When I went to activate it I was told an individual had flagged my account. I believe when I first signed up I was required to send my Driver 's License 18 years ago. Paypal was required to validate my XXXX account at that time and they did. XXXX has my actual driver 's license on record. I am XXXX XXXX XXXX, and recently retired. It appears Paypal wished to discriminate against the XXXX and when I went to Validate I was refused. They NOW demand private information that is bogus ; an electric bill and water bill. Neither of these validates an individual as they claim. For several years when my daughter was alive I paid her electric bill and water bill. She lived in XXXX XXXX Fl and XXXX, Florida. I live in XXXX XXXX XXXX, Florida. The only breech I have seen has been Paypal allowing an individual in XXXX to steal over {$300.00} out of my account without putting security measures into place which I learned of and notified them immediately. It was proven my account had been charged fraudulently. At that time I was sent a replacement card and had no problem validating it at the time without the demand of giving them private accounts they are not entitled to. I deliberately allowed the account to reduce to {$15.00} based on not tieing money up with them until the new card was activated. Just some instinct as I had attempted to get an active account on our NonProfit and got so much harassment by Paypal I gave up. They were not worth it. Its still in limbo. No matter what you send to them, they run you in more circles. At this time my account can not be activated. My address is real as I received the card at that address therefore validating it is real. My remaining money is not accessible. I will not send my DL that is on record with XXXX XXXX they can obtain through them due to a Florida DL law that does not allow us to duplicate DL and for my own security. I also have a stalking problem with my ex son-in-law who is believed to be the person who stole out of my account and I do not want additional information on Paypal records that has already had several breeches of security with information obtained of client bases. What they are demanding of clients in no manner will validate a client and is void of reasoning. I believe I am being discriminated against due to retirement. | ||||||
| 07/15/2019 | Yes |
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| Company causing an issue : PayPal. PayPal is a U.S. company with a long history of inappropriately holding customer funds without cause. Kindly note, I am a XXXX citizen, currently travelling, in XXXX XXXX at the time of sending this email. Date and nature of attempted transaction : Simple transfer of funds from my own PayPal account to my own bank account, as done countless times before. Between XX/XX/2019 and XX/XX/2019 Amount being held by PayPal without reason : XXXX GBP Issue : I have held a PayPal account without any complaint, issue or breaches to company terms of use, for approximately 10 years. In recent weeks, PayPal have put a hold on my account and requested that I provide identification for myself ( that I am who I say I am ) and for my home address. I am effectively locked out of using the service and have made at least three attempts to provide the demanded information. PayPal demanded that I submit a copy of my passport and a current bank statement. I have submitted this information via their online pathway several times and remain 'locked out ' of using the platform. I have not had any communication from PayPal to advise why, and for how long they may hold my money, which though not a large sum, is very much needed. The information was definitely received by PayPal, but it has appeared to make no difference to the hold they still have on my account and my hard-earned money. Without any reason provided. The error message states : " You have an account alert We need more information to resolve a problem with your account. '' As detailed above, I HAVE provided this required information and they still refuse to communicate with me, or release my money. In my research on how to resolve this matter, I discovered that this is common practice with PayPal, and even for MUCH larger sums of money, causing extreme distress, even to honest customers with a good track record, regarding terms of use. To resolve this matter, I would be happy to have PayPal release my own funds back to me, and ideally apologise for their poor service despite my loyalty. If the company demand that I no longer use the system, I would very happily comply with this as I have lost faith in PayPal. This issue is causing me severe XXXX distress due to the fact that I have medical concerns at this time, and need to have access to my money to prepare for XXXX. Thank you so much for any support or advice you can provide. | ||||||
| 01/19/2017 | Yes |
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| Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. ( 2 ) Remove the {$45.00} due from my PayPal account. I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers. | ||||||
| 07/17/2021 | Yes |
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Web | Servicemember |
| To whom it may concern, I have been fighting PayPal for a week regarding them restricting my funds and not allowing me to transfer my money to my bank account. I have logged over 15 hours on calls and emails, getting hung up on, and ive been given inconsistent messaging as to when I can transfer my money. The reps I spoke to said that it is PayPals security review algorithm and they will not and can not give me a time to release my money. They refuse to give a time frame. Their suggested solution to a problem they have caused was to refund customers and request a different payment method. Im disgusted they would suggest I put my customers through this. I have endured endless security checks through their two factor authentication, provided every bit of documentation they asked for, unnecessarily changed my password 20 times b ecause their website kept redirecting me or stating it notices unusual activity. The unusual activity is that PayPal yet again is holding money hostage and refuses to release my hard earned funds. I was told the problem I reported last week was resolved and was a verified member. And now I cant transfer the {$11000.00} in my account. This is a significant amount we need for our family. I have submitted two Complaints to XXXX as Im tired of having to fight PayPal to release my money. This company clearly has no moral compass as it has no problem collecting fees but makes it impossible for a customer to get their money. This is nothing short of them refusing to my MY money, and acting like they are a bank when theyre only a payment processor. They are affecting peoples lives. They refuse to help me, stating they cant help, which means my money could be held indefinitely. What theyre doing is illegal. I desperately Request PayPal resolves this and distrubutes the balance to my account ending in XXXX. My husband and I are also XXXX XXXX military, and it is clear this company has no integrity. Please help me. As paying customers for PayPals service, we deserve to be treated with respect and they need to be held accountable. They are not meeting the obligations of their policies, not disclosing their security checks or alerting customers, and not providing documentation of the security issues or status of account. They are actively withholding information on my money. I have attached proof that the items I sold were delivered, as well as proof of the balance and conversations. | ||||||
| 05/18/2017 | Yes |
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| On XXXX XXXX , XXXX , I mailed a certified cashier 's check in the amount of {$300.00} to PayPal Inc. Attn : Accounting XXXX . XXXX XXXX XXXX , XXXX XXXX in order to cover for the negative balance on a family member 's linked account, XXXX XXXX XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by PayPal. T he family member lived with me for about a year or so, and then moved out. On XXXX XXXX , XXXX , I opened a new PayPal ac count to continue my business ( XXXX XXXX XXXX ), but I did not begin using it until XXXX XXXX , XXXX , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on XXXX XXXX , XXXX ( 3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation. At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that I did ). However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue. PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal account ( XXXX XXXX XXXX ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money. PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be. Thank you for your time and consideration. | ||||||
| 04/07/2021 | Yes |
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| 1. On XX/XX/XXXX, 2 of my roommates sent me Rent and Utilities money via Paypal, so i could pay the joint bills. 2. On XX/XX/XXXX or 3rd I logged into my Paypal account to transfer that money to my checking account. 3. When I went through the process to transfer the money to my checking account, Paypal 's web site informed me that my account had been limited due to unusual activity. Paypal prevented me from transfering my money to my personal checking account. 4. After following a number of different screens, Paypal demanded ( via its web site ) 4 pieces of information : a. A bank statement b. A photo Id c. Proof of address. d. An explanation of the transactions involved. 5. Paypal limited the account access, preventing me from transfering my money, but was more than happy to allow money into the Paypal system. This created a situation where Paypal is holding my money after taking it in, knowing that they were not going to let me transfer my money out. Paypal should have prevented money from coming into their system if they were going to prevent it from coming out, and hold that money hostage. 6. Attempting to contact Paypal to resolve this issue w as a nightmare. The 888 number hang-up on me and would not put me through to a human. The web site is filled with circular references. Trying the " Message '' feature lead to conversations with chatbots that were no help. Getting through to a human was almost impossible. It is clear that Paypal does not want to speak to people about the money that Paypal is holding hostage. They refuse to communicate, and place customers in an extortionist situation. Paypal has your money, and refuses to speak with you to resolve the situation. 7. After numerous communications with Paypal, providing ALL the requested information after the extortion that they would only give me my money if I provided the documents, Paypal decided to close the Paypal account. This is perfectly fine, but Paypal has also refused to return the money to the senders, or give the money to me. To summarize : 1. Paypal accepted a money transfer for me, despite placing my account on hold. 2. Paypal demanded information and refused to return the money to the senders or give it to me, creating an extortion attempt. I had no choice but to provide the information if I wanted my money back. 3. All requested information was provided. 4. Paypal choose to close the account AND hold onto the money. | ||||||
| 08/04/2022 | Yes |
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| I had submitted some disputes with Venmo regarding unauthorized use with my Venmo debit card account. There were multiple charges of the same kind relating to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During the investigation, Venmo had approved and closed out claims relating to the charges above but the had denied the other unauthorized charges with the exact same merchant description or deducted some provisional credits that was were given causing me to go into negative and having to use any of my own funds to bring it back my account back to positive standing. I want to know why Venmo determined that I was at no fault for previous unauthorized charges but the denies other charges from the exact same merchant description? I had brought this concern to Venmos attention and they AGREED that there was a mistake and told me in an email that the previously denied charges had been approved and I should see those credits back in my account. After that, I had not received any credits nor had I heard any further updates. When I tried to get back in touch with them MANY times to get an update as to what is going on, they had ignored me or just gave me the run-around and couldn't get any clear answers as to what was goin on. When I had raised the issue further, they decided to close my account down and I can no longer do business with them? Some examples of the APPROVED charges that were in my favor are as follows ( not all approved are listed. just examples ) : XX/XX/XXXX XXXX XXXX- {$27.00} XXXX XXXX XXXX XXXX- {$70.00} XX/XX/XXXX XXXX XXXX- {$30.00} The following charges that they provided provisional credit for but then deducted later are : XX/XX/XXXX XXXX XXXX {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} XXXX date of denialXXXX XXXX.. date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$75.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$70.00} ... date of deniaXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX The following charges are ones that had were instantly denied with no fair investigation and no provisional credits provided : XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX- {$65.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$60.00} | ||||||
| 02/13/2019 | Yes |
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| I am a XXXX XXXX who works with XXXX XXXX XXXX XXXX and I do not have money to burn. In order to pay off bills I decided to sell my XXXX XXXX desktop computer on XXXX for {$2200.00}. When a buyer purchased my computer I factory reset it, tested it to ensure it worked perfectly, and shipped it out to him. A week later he informs me via XXXX that he wants a refund as he is saying that it does not work. As I was sure it worked when I shipped it I asked for pictures of the error message as proof that it did not work. ( I have been scammed in a similar way on XXXX in the past so I was being cautious. ) On XXXX 's resolution center it said that the refund was on hold pending additional documentation from the buyer. I recieved an email yesterday XX/XX/19 from XXXX stating that they issued him a full refund and that he did not have to return the PC to me. I called them and asked them how this was possible and they stated that they emailed me a week ago stating that I was to provide him with a return label and refund him the money. I informed them I was watching the resolution center messages and I thought that the issue was pending. After speaking with multiple supervisors I was told that the best they could do was to email the buyer and encourage that he send the computer back to me. I have also emailed him with no response from him, multiple times over the course of this issue. I spoke with multiple supervisors at XXXX last night and stated that that this was absolutely unacceptable and that there are ZERO seller protections and that I CAN NOT believe they would do something like this to a seller who has had a perfect rating and has been a seller on XXXX for years!! It would make sense to me that if someone wants a refund they send it to XXXX and hold onto it until the refund is issued and then send it back to the seller and charge them the shipping costs. That is NOT what happened here, they refunded him AND LET HIM KEEP THE {$2200.00} COMPUTER!!! Not only that they charged me the {$220.00} sellers fee on top of it so I'm out almost {$2500.00}. I am filing this complaint against PayPal as they are the ones who have pulled over {$2200.00} out of my bank account against my complaints to both them and XXXX about this being fraudulent and a scam. I need the Consumer Finance department to step in and help me advocate to have my funds returned to me as this policy is absolutely unacceptable and fraudulent. | ||||||
| 01/13/2021 | Yes |
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Web | Servicemember |
| There was transactions reported by me on the XX/XX/XXXX. Paypal flagged my account as i dispute the charges. Paypal denied the charges and i reopened the dispute and told the financial institution. While I was in XXXX on the XXXX of XXXX another $ XXXXcamw out. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? Thwy hung up on me. Paypal let another transaction go through while there was open disputes. There was transactions reported by me on the XXXX. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute? The XXXX was returned by paypalon the XXXX. Paypal had the opportunity to STOP that payment. They refused. Now the errors were fixed accept the payment they let through. XXXX has their payment/money. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. The bank contacted PayPal and requested the refund on the dispute for the XXXX and PayPal did acknowledge that it was returned for fraud but won't acknowledge that the bank refused the XXXX for the same reason. Why isn't PayPal doing a charge back? They paid it without authorization or funds available. They should have rejected the payment based on the bank saying no and me and no authorization. Paypal needs to get that unauthorized {$500.00} from the individual they gave it too without authorization. I was in XXXX ( which I submitted ) at the time it came out.. i didn't authorization it. Paypal wouldn't have returned the XXXX fraudulent payments if it was proven.. They are claiming that it wasn't returned. Yes it was. They can get it back from but choose not to. They are allowing them to scam me. XXXX | ||||||
| 11/11/2020 | Yes |
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| PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. I started taking XXXX for my XXXX XXXX on XX/XX/XXXX. I have been doing XXXX for 4 years through PayPal, and have had 1 chargeback in my four years. On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX sales money, as well as my payments from XXXX XXXX work. All of this money comes from XXXX for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX and XXXX the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. I have contacted the attorney general of each state I have business in, the XXXX XXXX XXXX, and will be taking more public escalated actions if this is not resolved. | ||||||
| 10/15/2019 | Yes |
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| XX/XX/2019 : The Paypal phone app informs me that I can not transfer {$2500.00} to my verified bank account. I called Paypal customer support. Transferred to Transactions department. 1st line person in Transactions Department admits that she can not see why I can not transfer my account balance to my bank account. She transferred me to her supervisor. Supervisor says that I can not transfer the balance to my bank account because my account is " limited '' ( Restricted in what it can do ). She transfers me to the Account Limitation department. I follow the prompts from Paypal 's website and clear the limitation by creating a new password. The Account Limitation department 's 1st level person confirms that the limitation is removed and that the transaction should go through. When I inform her that the system is still rejecting the transfer of my balance to my bank account, she tells me that the system is probably restricting the transfer because the account has not been used for this size of a transaction previously. I ask her how much the system will allow me to transfer. She says " Try {$500.00}. '' She says that " No one can control the system. '' I tell her that the system is not magical and that I just want to know how much I can transfer, without trial and error. She does not know how much can be transferred. She admits that she is ignorant of that information. Paypal has not trained their staff sufficiently to inform customers of the restrictions on their transfer of their account balances. She transfers me to a manager. The manager, " XXXX '', is also in the Limitations Department. XXXX tells me that the account has not accepted the clearing of the limitation and that I must wait 24 hours. He is condescending in saying he " is sorry that [ I ] feel that way '' and hangs up. Time used on call was 2.5 hours. I have found that severely compartmentalized information, very long hold times, and transfers to multiple departments to be the common process with Paypal. In my role as an attorney, we had an estate with funds in the decedent 's Paypal account. Paypal would not release the money for 9 months, until we finally involved the CFPB. The check was then received 2 weeks later. This is a pattern and practice of Paypal to force customers to leave money in their Paypal account. Ostensibly, it is so they can earn interest on the money. This is a fraudulent financial practice. | ||||||
| 05/16/2019 | Yes |
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| Hello, I Opened up an account with PayPal through XXXX to sell items on XXXX. My items got sold and there were no complaints the buyers were satisfied after it got delivered. However, when I went to transfer my funds that was in my balance PayPal put a hold on it, and froze my account. I was on the phone with them several times, trying to figure out why cant I transfer my money to my bank. The items got delivered XX/XX/2019. I spoke to several reps one rep asked why do I need to transfer the money ( I was shocked by that question ) its my earned money from my business and I should be entitled to get my money and put back in my business. Why should they hold it if there are no complaints and no refunds. The rep also wanted more information from me I guess to see Im the person in charge of the account. I gave them all the information they asked for and even more. I gave them my social, my ID, I even gave them a bank statement, and my lease to where I live. Nothing was taken care of, I spoke to other reps, one rep even said yes you gave us everything, she even took my account off of hold, and made it seem like everything was fine now. I got off the phone, and that same night at XXXX they sent me an email saying my account is suspended and they will hold my funds for 180 days. Now at this point Im furious, PayPal have been doing this to so many people the only reason I have an account with them is because XXXX uses them as a payment method, ( for now ) because I read they are parting ways soon. But besides that, I also read by law depending your state no transmitting company is allowed to hold your funds for more than 10days. It has been since XX/XX/XXXX and they are still holding my funds which is only {$610.00} but to me its alot because its my earned money I need and can use for my business, which takes care of my family. Almost forgot, when they sent me the email ( XX/XX/XXXX ) stating my account is closed and I cant do business with them, and they will hold my funds they mentioned I was a fraud and the information I provided to them is not mines. Next day I contacted and went back and forth with them asking them why they will accuse me of that when that is a serious matter because people can go to jail for that all the information documents I gave them are all mines. I reached out to the mayor of my state they contacted me and gave me this information to contact you guys. Thank you for your time, | ||||||
| 12/16/2018 | Yes |
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| It started months ago but these are the most recent dates it was on XX/XX/XXXX and now XX/XX/XXXX. I use PayPal to send money to friends overseas. I normally use my bank account information because its a cheaper fee ( 1st fee on XX/XX/XXXX {$0.00} & XX/XX/XXXX fee {$2.00} ) to send using the Friends & Family feature that PayPal has but a few months ago and now on these two most recent dates I can not! With each transaction I get an error message " We are sorry, but we could not complete this payment, because it has been denied by the card issuer. Please retry with a different card or funding option to continue with the payment ''. The first issue with this is that I am not using a card ; I am using a routing number and bank account number. I have three accounts with PayPal and each one get 's this same error message even when using a different bank account information. I have called my banks to make sure the issue is not with them and they assured me it is not and that it's a PayPal issue. When I go back and use a debit card from the same accounts or a credit card with a higher fee ( XX/XX/XXXX {$4.00} & XX/XX/XXXX {$6.00} ) the transaction goes through with no problem, but I'm paying more money!! I have reached out to PayPal twice with no resolution and during one phone call I spoke to three different people they're phone reps have no idea what the problem is because they all have told me different things and its never the same story. I have not received an emails or letters from PayPal saying there is an issue with any of my accounts and restrictions has been placed!! I finally get a call from XX/XX/XXXX ( PayPal customer Solutions Support Specialist ) and she states that it is a PayPal issue and there are others having the same issue. She supposedly sent some type of request to their security department. It hasn't been resolved. She is supposed to contact me again on Monday XX/XX/XXXX. I feel like this is way for PayPal to get higher fees from consumers sending money overseas to friends and family. PayPal refuses to refund me any money due to this being their issue not mines. I feel like I'm forced to pay the higher fees using a debit card from the same bank. As I stated this problem started over the summer this year. Before then I had no problems using my bank account to send money via friends and family with PayPal. I do not have this issue with my bank account sending money here in the USA. | ||||||
| 07/19/2023 | Yes |
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| my account was hacked and social security card, identification card, birth certificate, and debit cards along with phone was stolen and used to access my accounts and make transactions I didn't know about. I called PayPal and informed them of the problem but was refused access to my Account because my information had been changed and I could no longer verify the account. my money was stolen from XX/XX/2023 until XX/XX/2023 when I was finally able to regain access to my account with the help of a PayPal representative. I filed disputes against the unauthorized charges and they were automatically denied by PayPal without an Investigation I was told by several representatives. PayPal then took. oney from my account After informing me that XXXX cases would be closed I my favor and refunded to my account instead of crediting my account with the amounts PayPal debited the amounts fro. my account bringing my account to a negative balance. again they brought my account into a negative balance after allowing a person to lie and say that I sold the something when I explained to them that XXXX XXXX added his money to my account because theyhaimitatiobz on his account so that he could retrieve his money to use. I was told by several representatives that if I submitted a statement that I had no knowledge of the charges mentioned that I would receive my money back to my account within 3 days I had to submit statements 3 times and still havent received my funds back to my account. I have threatened to sue the company for funds they stole from me and the funds theyve failed to replace which is supposed to be FDIC insured they just placed a limitation to my account and deleted all messages between us that had anything to do with my complaints against them they made emails and messages disappear and stopped my ability to screen shot transactions I question. they failed to respond to me in a timely manner. at the same time my fiance account was hacked and take over they made sure to return his funds without any questions or requirements that they said were necessary to receive stolen funds I feel I have been immensely discriminated against as XXXX XXXX XXXX in XXXX by the company I requested information to file suit and was denied information stating they didn't have access to any corporate information. they once again denied me any funding return after no investigation after removing limitation to my account. | ||||||
| 06/19/2020 | Yes |
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| On XX/XX/2020, I received an email notifying me of a charge to my PayPal account for {$340.00} from a microcomputer service company that I did not authorize. I thought my PayPal account had been deactivated at least 6 years ago and called PayPal at XXXX as advised in the email. When I made the call, I received the usual notice for today that due to COVID, the PayPal customer service department was closed, but that functions for billing disputes were available. In the process of working with a PayPal employee to resolve the issue, access was provided to Paypal to determine what happened and how to prevent access to the Paypal account going forward. In the process, the Paypal employees ( names with dates and amounts are provided in the attached documentation ) transferred monies between my accounts and used my accounts to make unauthorized purchases. Also, Paypal requested funds in the amount of {$2000.00} through 4 gift cards to prevent unauthorized access to my " deactivated '' Paypal account. XXXX XXXX and XXXX XXXX XXXX stopped all but one of the transactions from being completed through their fraud surveillance departments. The letter sent certified mail to Paypal is attached with the supporting documentation and details including dates, names, actions and amounts. I am requesting a refund of {$2000.00} from Paypal for the gift cards used to purchase software to prevent unauthoriz ed access to my accounts. As additional detail, copies of emails and order confirmations for the original unauthorized charge of {$340.00} to XXXX XXXX XXXX XXXX are provided. These emails were received on XX/XX/XXXX. The address on the receipt is the corporate office address of Paypal while the address on the order confirmation email is for Paypal in XXXX, Washington. Again, this appears to be legitimate concern. I called the number given in the order confirmation email - the greeting doesn't mention Paypal. I spoke with a " XXXX XXXX '' who requested electronic access to my accounts to resolve the issue. Lesson learned - no access was given. Either Paypal 's accounts have been illegally accessed or they have rogue employees who are fraudulent conducting business in Paypal 's name. Either way, I need the refund of {$2000.00} as soon as possible. If any additional information is needed, my contact information is : Phone number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Thank you for your help! XXXX XXXX | ||||||
| 01/29/2019 | Yes |
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| I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions. | ||||||
| 12/30/2020 | Yes |
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| I requested Venmo to provide me with all details regarding unauthorized activity on my account while it was under the control of a hacker. Venmo Support has largely been unresponsive, and when they do reply, they do not address my issue in any way. On XX/XX/XXXX, a hacker accessed and locked me out of my Venmo account ( as well as PayPal and all my email accounts ). They somehow gained control of my old phone number, which was still tied to the accounts. Every day for seven weeks, I tried to work with Venmo Support. I had to open many tickets because Venmo would close them before the issue was resolved or simply stop responding, even after following all their instructions. When they did respond, it was obvious they did not read my Support Requests as they would only advise me to follow the prompts to regain my account, but without the phone number tied to the account, that was not possible. Four times they did ask for proof of my ID, which I provided, but they would not follow up or respond afterward. The hacker managed to get {$6700.00} from my bank account before I could notify the bank on XX/XX/XXXX. After I worked with the bank, Venmo began refunding directly to my Venmo account on XX/XX/XXXX. Because Venmo still did not restore access to my account nor lock it as I repeatedly requested, the hacker was able to get another {$6700.00}. The hacker transferred all of these funds to a bank card they attached to my Venmo account. On XX/XX/XXXX, I was finally able to get access back ( after seven insanely frustrating weeks ). Throughout the seven weeks of this process, I repeatedly asked Venmo to provide details about the activity on my account, but they never responded to these requests. XX/XX/XXXX, I started a new ticket requesting the information for every transaction that occurred while the account was in control of the hacker and the information tied to the bank card the hacker attached. The information for the fraudulent bank card could help with the police investigation and details on the transactions ( completed and attempted ) will help me understand what happened with *my* own account. In summary, Venmo Support has been slow to respond or incompetent in the months since my account has hacked. Venmo has allowed a hacker to continue defrauding me and others, Venmo gave this hacker an additional {$6700.00}, and Venmo has prevented me from providing information to the police. | ||||||
| 08/14/2020 | Yes |
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| We are a small new nonprofit. We opened an account with PayPal in order to accept donations. People started donating, so we have over {$950.00} of donations at this point. In exchange for donations, we provided lawn signs, so we have incurred expenses against the donations. I have been trying to complete the account set-up process for a month. They said I needed to provide documents to verify the business address. The system appeared to be automated, in that it wouldn't accept the documents provided. I tried to explain that we are a small organization, and don't have things like utility bills at this point. Finally we seemed to get past that stumbling block. I never received any confirmation, but it stopped asking me for it when I log in so I assume that means they finally accepted our documents. ( Tax ID letter from the IRS ; driver 's license ). Now the system says my email isn't confirmed. The ONLY way to contact support is through their online " messaging app ''. The messaging app is clearly a bot, as it keeps sending the same information over and over. The instructions say to click a link to send an email for confirmation, but the confirmation email is never received ( and yes, I've checked spam folders, etc. ). The website also will not let me change the email address. In spite of the fact that they say the email is unconfirmed, I've been receiving notifications of donations at that email address for more than a month. The automated bot simply will not accept that it doesn't work, and it won't connect me with a human being. I have spent hours and hours attempting to resolve this. At one point, the bot gave me a phone number. I called the number, went through a long menu system, and then it told me " we can't support your issue at this time '', said to use the messaging app and hung up on me. I've tried multiple times. At one point, the bot gave me an email to use ( XXXX ), I sent an email and got an automated response telling me to use the messaging app. There should be a regulation that financial services company have to provide customer service. There has to be a way to reach an actual human being to get the problem resolved. As it stands, PayPal has the money donated by our supporters, and there is no way for us to access the money. In other words, PayPal has stolen the money. After 30 days, they refund the payment, so we are losing donations for every day this goes on. | ||||||
| 12/13/2022 | Yes |
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| XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. Sorry, something's not right. Please try again later. Go Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. MESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. FINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX | ||||||
| 11/16/2021 | Yes |
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| I listed a XXXX XXXX for sale at {$850.00} on XXXX XXXX. A buyer contacted me and offered to pay for the item using Venmo. I didnt have much experience with Venmo but I knew it was owned by XXXX which is a federally regulated bank. I went to Venmos website to check their policy on payment refunds and it clearly stated that payments could not be reversed once sent without the recipients approval. When you call Venmo support, it clearly states on the recorded message that payments can not be reversed once completed without the recipients approval. The buyer came to my house on Thursday XX/XX/XXXX and we performed the transaction in front of my ring video doorbell. He verified that he was the buyer who contacted me on XXXX and I confirmed the payment had been completed with Venmo via email and the Venmo app. I initiated a transfer of the funds to my bank account. I gave him the XXXX afterward. Four days later on Sunday XX/XX/XXXX, I received a message from Venmo that the transfer was flagged for review. I tried calling them but their offices were closed and so I responded via email asking for further information. I did not receive any reply and called Venmo on the following day Monday XX/XX/XXXX. I checked the app for an update and it said they had refunded the buyer without having made any attempt to contact me for details. When I reached them via phone, they asked me for details like my drivers license and a photo. The call was disconnected shortly after I provided these details and I couldnt get a hold of a representative as the offices were closed when I tried again. Further requests for an update via email went unanswered. I called again today XX/XX/XXXX and they failed to provide any information about what happened with the payment. They stated an account representative would review my claim and respond by email. I feel that Venmo has a legal obligation to complete this transaction. Venmo is a federally regulated money-transfer service that makes certain claims about how their service operates which are deceptive. The way they handle payments is a recipe for fraud. I took reasonable precautions to check how their service operated with respect to refunds and they were inaccurately described on their website and phone support. Venmo should be held liable to refund the money the withheld from my account. If there is anything you can do to help, it would be greatly appreciated. | ||||||
| 08/10/2020 | Yes |
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| I received a PayPal notification vie email ( XXXX ) advising that funds were sent to me in the amount of {$600.00} on XX/XX/2020. After several unsuccessful attempts to log-on to my PayPal Account i opted to reset my password. Resetting my password failed because my security control queries had two issues : 1. My phone number on file had changed for more than four years 2. My verification questions could not be answered correctly. Multiple daily attempts over a week to reach an agent at PayPal was unsuccessful. Direct contact with an Agent was not available due to call volume ... as per the voice recording from PayPal..Utilizing other contact options presented on their website such as the " Message Center '' and " Resolution Center '' was not useful as the majority of options except for a call into the automated phone service required that I had access to my account, which was the reason for the issue. ( I could not access my account ) The sender of the {$600.00} made several email requests to PayPal for assistance with my account access issue, this seems to have been ignored. The Sender have also requested a cancellation or refund of the funds sent to me but this too seem to have fallen on deaf ears. Instead PayPal sent me another email advising that the Sender claimed that products were not shipped as required. This was not the case as the funds sent to me was a " Gift '' amount which was also stated in the email from PayPal I received originally on XX/XX/XXXX. The shell Office for PayPal at XXXX XXXX XXXX XXXX is empty, there is no one available here or any live contact. I visited the office last week hoping to get help but to no avail. I would like the funds returned to the Sender or have my PayPal account enabled so that l can access these funds as it was originally intended for medical purpose. The PayPal transaction Id 's related to this issue are : ( Receiver ) XXXX & ( Sender ) XXXX. There is an active case pending at PayPal, Transaction Details Case number : XXXX Buyer 's name : XXXX, XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$600.00} CAD Your transaction ID : XXXX Refund amount : {$600.00} CAD - ( Pending ) Your kind assistance with resolving this issue which has been ongoing for 13 days is appreciated.I can be reached at the above email address or by phone @ XXXX XXXX XXXX for any further clarification. | ||||||
| 04/12/2022 | Yes |
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| To whom it may concern, I have tried several of times to get manners escalated directly with Paypal. My account was closed and terminated at XX/XX/2022 Stating that I have Been in violation of PayPal use of services and policy. However this is incorrect and I have not violated any of PayPal 's use of service. I have about {$28000.00} in my PayPal account that is also on hold for 180 days which is unlawful as well as a violation. I am demanding for my account to be reopen and for my funds to be released within five business days of receiving this complaint or I will move forward with filing a litigation against PayPal. A client of mine attended a free event where I gave out numerous of resources on how to create passive income to becoming a first time home owner. The client after four days of attending the event she decided to book a consultation with me and got confused if I provided credit repair services. She was not able to do the phone consultation because we stated to her that we were not able to help her with credit repair services because we do not offer that. She file dispute to open the case For a refund and decided that it was in her error But when she called PayPal to close the case, she state they refuse to do so immediately! After PayPal decided to hold my funds and close out my account. My client and I have tried numerous of times to get in contact with Paypal in regards to this issue but they have failed to get matters escalator or to acknowledge our concerns. She simply book a personal coaching call in needed a few guidance, however the money is still on hold. I refuse to be bullied from using my Federal protected consumer rights with Paypal code business and ethics. To hold my funds for 180 days is misusing their fraud and banking model. Behaving ethically And responsible means Doing the right things in all situations, This hardly seems compatible with people being out of business and their money. The Paypal website is replete with stories of person 's put out of business due to by Paypal 's actions. Many small business have great difficulty due to having their funds frozen. ( Pay- Pal community web ). I will attach proof of the conversation between me and my client trying to get a payment released and case closed. My business also has a five star ratings on XXXX and nothing on my website advertises that we offer credit repair services or sell any type of insurance. | ||||||
| 11/11/2022 | Yes |
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| I opened an account with PayPal in XXXX of XXXX and was getting my unemployment checks directly deposited into my PayPal XXXX account during Covid-19. I was unable to get out and open a regular checking account at the time due to the stay at home order in place in my state. PayPal was recommended to me by my granddaughter. In XXXX of XXXX, I received an email asking for several identity verification measures, which I uploaded immediately. I continued to use my account and have my unemployment benefits deposited into my PayPal account. On XX/XX/XXXX, my account was permanently limited unexpectedly and my funds were frozen. I was struggling to cover my bills due to Covid-19 when PayPal refused to allow me access to my funds. I was informed that after 180 days I would receive an email with instructions on withdrawing my remaining {$1900.00} from the permanently restricted account. I waited 180 days and did not receive the email from PayPal, so I began attempting to contact them. I was never able to speak to anyone that was able to give me any answers or help in any way. I continued to call and message PayPal for help withdrawing my personal funds from a permanently disabled account, but always got the same response that a message was sent to the front office. After months and months of attempting to contact PayPal unsuccessfully, I filed a dispute with the XXXX XXXX XXXX on XX/XX/XXXX. I finally received a response from PayPal, but they still refused to give me access to my personal funds. Their response was that they are not obligated to release my funds and if I have further questions to email the US Secret Service. I emailed the address that was included for the Secret Service, but have yet to receive any correspondence from them. I have also emailed PayPals Office of Executive Escalations at the address attached to the XXXX claim, but have yet to receive a response from them either. I have made every possible attempt to settle this problem with PayPal, but after over 2 years Paypal is still denying me access to my personal funds. I do not want them to reopen my account, nor would I ever do business with them again. I am only requesting that they allow me to link my XXXX XXXX XXXX account and withdraw my funds from the permanently closed PayPal account. I would accept a paper check sent to my address, if that would be easier for them, but I want my money out of PayPal immediately. | ||||||
| 03/18/2023 | Yes |
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| Venmo suspended and froze my account stating that I'm involved in activities that goes against their user policy.. basically I had a few disputes for doordash delivery service... Because my order was cancelled and never refunded and for every dispute that I reached out to venmo to file I had proof for I sent them verifying documents and support of my dispute for every single dispute and this one agent right before this happened seem suspicious of me as if I was lying I guess even though I sent over verifying proof and support of my dispute that I was claiming with him or filing with him and then the next day venmo had suspended my account and Frozen my money of {$23.00} and I have tried to reach out to them to unsuspend my account so I can have access to my funds and each time I get the runaround and then or told I need to do this or do that change my password wait for an agent to contact me I've I've done it all and I've waited for almost two weeks and still they still have my account suspended and Frozen and at the time 2 weeks ago that really hindered me because it was the only bit of money I had left to my name which I stress to them because that was my gas money to get to work and I don't have friends and family that I can just call upon to borrow money so not only did this hinder me in general but not having access to the money but I also was not able to get to work for a week till I got my next paycheck I have tried and tried to speak with venmo and nothing ever comes to a solution nor do I get any help I just get passed around from agent to agent and then finally get told just to wait around for an email well this is not right this is beyond wrong especially at the fact that they're suspending my account based off of suspicion that they have no proof of but yet I have every bit of proof of verifying documents sent in support of my statement for every dispute I want my account unfrozen unsuspended and I want access to my funds it may be only {$23.00} and that might not be nothing to somebody but to somebody like me who lives paycheck to paycheck that means a lot they are in the wrong and are withholding my money for absolutely no good reason with no proof nor will they even actually say what activities I've been involved in that goes against their policy that's just all that they would tell me they would not further explain which I think is XXXX please help me get my money | ||||||
| 07/01/2020 | Yes |
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| The complaint is about PayPal , Inc . On XXXX XX/XX/2020, Paypal debited my bank account for the amount of XXXX for delivery of certain goods. The goods were not delivered and my emails to the vendor were remained unanswered. On XXXX XX/XX/2020 I filed a complaint to Paypal informing them that the goods were not delivered and no response from vendor had been received. On XXXX XX/XX/2020 Paypal informed me that they have contacted the vendor but not received any reply. I filed to Paypal again to escalate my complaint. On XXXX XX/XX/2020 Paypal informed me they have contacted the vendor. On XXXX XX/XX/2020 I provided copies of my emails requests ( all left unanswered by seller ) to Paypal. On XXXX XX/XX/2020, Paypal provided a webllink XXXX XXXX XXXX XXXX XXXX alleging the goods were delivered. Since XXXX XX/XX/2020 till now, I have checked the alleged website, there is no email address for contact and there is no online form for contact either. Then repeatedly, I have asked Paypal through online message cerntre to provide me a proper email address for the alleged shipping company so I could contact, as of now Paypal has refused to do. I have also requested Paypal to provide me with details of its regulator, and Paypal again has refused to do. The website of Paypal says I can request print copies of online messages - I have requested print copies of messages to be sent to me and Paypal has refused to do and hence has false and misleading information on its website. I have also filed complaint about the Paypal conduct through their website since XXXX XX/XX/2020 and they have not replied. Today, XXXX XX/XX/2020, they sent me a message through their message center saying they can not do anything. I am filing complaint against Paypal for ( 1 ) charging my account but not delivering the goods, ( 2 ) refusing to provide proper email address for communication with them and/or with the alleged shipping entity, ( 3 ) refusing to provide me print copies of my online messages to them, ( 4 ) refusing to provide me details of their regulator for me to file a complaint against them, ( 5 ) refusing to answer to my specific questions but trying to frustrate me and waste my time through their online messaging center which they refuse to provide me copies and there is no mechanism on their website for printing the messages. If you require any other information, please do not hesitate to ask. | ||||||
| 11/13/2019 | Yes |
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| On XX/XX/19 I received a letter identified as from XXXX XXXX c/o Paypal, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a Paypal account, so this seemed odd. I have since contacted XXXX XXXX and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for Paypal in my name at my address or any application associated with my social security number and no Paypal account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from XXXX XXXX , XXXX dated XX/XX/19 stating the current creditor was Paypal, Inc with a XXXX XXXX , XXXX account number, last four digets of a Paypal account number, that I have now confirmed with Paypal is invalid, and XXXX XXXX XXXX claims I owe a balance of {$800.00} for Paypal chargebacks. I sent XXXX XXXX , XXXX collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX and the fraud department at this bank, as well, and there are no Paypal accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19 with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet XXXX XXXX , XXXX somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX Paypal or that I have any kind of existing XXXX Paypal account. I have explained to XXXX XXXX , XXXX in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19 in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and XXXX XXXX, XXXX is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for XXXX XXXX , XXXX, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from XXXX XXXX , XXXX. | ||||||
| 05/01/2015 | Yes |
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| Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX. | ||||||
| 08/23/2021 | Yes |
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Web | Older American |
| I began getting calls from PayPal in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called PayPal and was told that I had a balance due to Paypal of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe PayPal anything. In early XXXX, I received nearly 20 calls over 4 days. I called PayPal again and was told that I still had a balance due to Paypal of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. When I contacted Paypal XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX ( PayPal 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with PayPal on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. PayPal, supposedly, will now close this account as fraudulent, too. PayPal will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. PayPal does not have record of my actual email address. Since email seems to be PayPal 's preferred ( perhaps only ) method of communication, I never knew about these accounts. I have asked PayPal to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at PayPal. I was told that all a person needs to open a PayPal account is to provide an email address. Since I have a security alert on my credit reports, I know that PayPal does not seem to have tried to determine my credit rating. This is very poor business practice. | ||||||
| 03/23/2021 | Yes |
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| on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that acct # XXXX XXXX Ref # XXXX Debt Description : PAYPAL ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. I contacted Papal at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this PayPal account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used Paypal to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this PayPal account was linked to as it is separate from the legitimate PayPal account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. I contacted XXXX XXXX at the number provided PayPal per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to PayPal for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to PayPal & XXXX XXXX. | ||||||
| 11/24/2020 | Yes |
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| On XX/XX/2020, I purchased an item for my car from a website XXXX which is based in XXXX and accepts paypal payments. I waited patiently from this merchant to ship my item and they kept delaying the shipment with comments such as we will ship out next week then the following week no update or response. So on XX/XX/2020 I filed a dispute on Paypal that the seller never shipped my merchandise or gave me a tracking number as promised. I also told the shipper not to send the item any more since it was too late and I no longer needed the item from them. Surprisingly on XX/XX/2020, I received update from the paypal dispute resolution department that stated the merchant provided a tracking number. This tracking number the seller provided was fake, and had no status even as a pending shipping. The seller is trying to defraud me by giving a false tracking number since you can not give a tracking number that doesn't exist in any of the known shipping companies. I went to look at what my recourse is for this situation and looked up the seller and found multiple sources such as this review site that says the merchant is notorious for scamming people and failing to send the items they promised to as part of a sale. XXXX XXXX XXXX The question I raise is twofold here : 1. How am I protected and able to get my money back if this tracking number is indeed false. Even if they ship me something, now that I had filed a complaint as the seller failed to give a tracking number, the resolution process is simply allowing the seller to provide a tracking number to cover his end, and that still leaves me vulnerable to being a victim of fraud by not receiving what I expected or there would be no option to open a new dispute if the item isn't what I was expecting. 2. Why is paypal allowing this seller to continue using their services if it has been established that several customers have been defrauded by the seller in the past? I am asking that paypal resolves this issue in an expeditious manner since I have already been waiting for over 3 weeks to get to this stage, and they are giving a response of XX/XX/XXXX to determine the outcome of the investigation. Based on other sources I found online, it appears that many fraud sellers are taking advantage of this loophole in Paypal to provide fake tracking numbers simply to get paypal off the seller 's back to steal customer funds. XXXX XXXX XXXX | ||||||
| 11/07/2023 | Yes |
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| Hello, On XXXX XXXX I screens shotted from XXXXXXXX XXXX XXXX a picture of a comedy show. He declined making fun and saying that he was not worth that much. The tickets were {$190.00} Keep in mind I " screnn shotted '' the event not clicking on the link AT ALL. The next day I received an email stating that the {$190.00} was used for these tickets, the transaction being done by my friend. He does NOT even have Venmo. I called him and told him what happened and so it begins. I contacted Venmo via phone and told them I DID NOt authorize this transaction and I would trust this friend with my life! They then put the money back temporarily two days later while they investigated. On XX/XX/XXXX, they got back to me DENYING my dispute. Thet stated that if I had any more information to back up my complaint to do so and the would be happy to take another look. I sent them EVERYTHING I had including pictures of the conversation starting with the screenshot of this event. They replied back on XX/XX/XXXX and denied it again for the second time. Again saying they would take another look and not to reply back to that email. Because I never authorized this transaction initially, I withdrew all of my money knowing they were going to take back what they gave. I tried opening a new account with new information because I do like Venmo for many reasons. But they somehow new it was me and eventually I made payments for the balance just so I could have this platform. Obviously I know I was hacked and think I have proof? The amount is different but on the same day it says that {$220.00} was a transaction against my account from someone in XXXX.I have never even been to XXXX! I did not want to stop there. I contacted the attorney generals office here in XXXX and they told me it was an FBI issue? I believe its the ICC which is internet crime complaint. Needless to say I never heard back so here I am still wondering where that money went with a negative resolution for me. In closing, I have all the documentation, names, numbers, transaction id 's and screenshots of this whole ordeal. I try to advocate for myslef the best way I can.I stopped because when I asked around, noone could help me until I contacted XXXX. I am hoping that you can help me resolve this issue. As a XXXX mom and a contributer to society, there has to be some justice when the situation calls for it. Thank you in advance! | ||||||
| 08/07/2022 | Yes |
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| Okay so on XX/XX/XXXX I got a direct deposit from the company called XXXX onto my checkings account for {$190.00}. So I proceeded to hop onto my Venmo checking account to transfer the funds from my Venmo account onto my XXXX checking account. So then I initiated the transfer not realizing which bank source I was depositing my money into since I had previously transferred my biweekly check from my authorized employer in a few days before I got payed by savegadget.com. So I just entered the amount of money I wanted to transfer but then I got an error message saying that I should check which account I am transferring my money to because my account was flagged at that moment and Venmo had put a freeze hold on my account. So then I called up Venmo and check why my funds werent being deposited and they said that the money transfers I had initiated triggered a red flag onto my account so they needed time to address this situation. So I provided them with a copy of my ID and they said that they would contact me back within 14 days once the lift is checked on and released. Its been over one week since this occurred. Im not sure why they would have frozen my account if all I was trying to do was add money to my XXXX debit card. So I called back yesterday on XX/XX/XXXX but I still have not recieved any update on my account and all I need is to be allowed to transfer my money to bank source. Also someone had deleted my bank source from XXXX from my Venmo account although a few weeks back I had just added it to my Venmo account and made bank transfers onto my XXXX account. From my understanding they told me that there was an unauthorized checking account on my account but I had not even added any other bank source to my Venmo checkings account since I added my sables checking account onto it so I would like for you guys to help me to get this freeze thats been put onto Venmo checkings account unlocked because this is outrages. The first time some fraud happened to me was last year with my EDD Unemployment Debit card got hacked and now also my Venmo account why is this happening to me now again? I have already placed a freeze on all credit consumer reports so that way hopefully whomever is trying to make any fraudulent moves on my accounts wont have access to any further possible unlawful acts on my personal identity. Also my employer deposits come from XXXX XXXX XXXX, XXXX, and XXXX XXXX. | ||||||
| 01/30/2019 | Yes |
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| My purpose was to buy two tickets to see a XXXX XXXX concert on XX/XX/2019, at XXXX XXXX. On Friday, XX/XX/XXXX I checked online to find a reasonably priced ticket around the original price of XXXX dollars before the concert was sold out. Found a seller who was selling tickets for {$50.00} and messaged them. They replied later evening and said they were selling. As this was my first time doing a transaction like this I followed the person 's orders on how to send the money. I was skeptical of these prices and asked for the seat locations they had on their tickets to see if they were even available on sites on like XXXX XXXX that were reselling. They responded with seat locations that were sold so I thought the seller was real. I followed her orders to use " family and friends '' instead of " goods and services '' because they told me it was faster. I sent 100 dollars through paypal along with a {$35.00} dollar transaction fee because of the " friends and family '' service. When I sent out the money they kept replying they haven't received the payment yet and told me use an app called XXXX XXXX. I didn't know what app it was but I still downloaded it. I assumed from the high rating on the app store that it was a safe app. I sent them XXXX dollars through this app and they said they still didn't recieve the payment. Because I had lost XXXX dollars already I didn't want to send anymore money. I told them to send me the tickets. They responded by saying that they haven't recieved payment and would not send them. I told them to refund me and they said no because then they were afraid I wouldn't buy the tickets anymore. The text conversation lasted till XX/XX/XXXX at XXXX XXXX pst. I tried calling them through XXXX, they would pick up and then hang up again. When I told them I would call again the next day after I slept they never responded and deleted their account from XXXX the next day so I wasn't able to reach them. I found from the payment on Paypal that there was an email and email them. I emailed the person and the respondant said the person was unavailable. Apparently they are not connected but this connection is also sketchy because it was the account where I sent the money to. I called the customer line on Paypal later to get some help and they said that because I used the Friends and family service that they couldn't do anything besides emailing the same person. | ||||||
| 11/09/2023 | Yes |
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| On XX/XX/2023 I received a Venmo transfer of {$1000.00} to my Venmo account. This {$1000.00} is child support. On XX/XX/XXXX I tried to transfer this into my bank account. It would not transfer. A couple of hours after that, ( Meaning hours in the middle of the night ) I woke to my Venmo account being suspended. I received an email from Venmo stating that my account had been frozen and that I needed to provide proof of identification. I immediately emailed a copy of my government issued driver 's license. I did not hear back from Venmo until XX/XX/2023 stating that my account has now been deactivated due to activity that is in violation of their user agreement. Upon reading through their entire user agreement policy I found nothing that demonstrated any actions by myself that was in any violation. Venmo did not provide any description of violation. I have sent numerous emails to customer service for an explanation and a request to release my child support money. I have called their customer service number which only allows you to use automated prompts but not speak to anyone. I have sent emails each and every day requesting my money as well as an explanation from Venmo. I receive the same emails from different " team members '' from Venmo stating the same " copy and paste '' responses or automated responses.. I do not use Venmo regularly and when I do it is consistent and with the same people or local community events. I have received child support through Venmo. This has created an extremely stressful situation for myself and my family. I am not certain how Venmo can hold {$1000.00} of my money. This money on all accounts is legally my money, my child support money. I am in great need of this money. After doing a tremendous amount of research on the Venmo company it has been brought to my attention that this is something they have done to thousands of customers. How is this legal? The fact that they have no means of speaking with a live customer service representative screams " scam '' to me. How is this not criminal? Venmo has created a major issue in a household. I have filed complaints with the XXXX XXXX XXXX and after seeking legal advice it was recommended that I file a complaint with CFPB. This is now my third step to retrieve my money. I have contacted legal assistance on this matter as well, Venmo needs to return my {$1000.00} immediately. This is child support! | ||||||
| 01/06/2016 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. Thanks, XXXX XXXX | ||||||
| 05/03/2016 | Yes |
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| I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}. | ||||||
| 04/16/2020 | Yes |
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| If I could give PAYPAL A NEGATIVE 0 I would ... I have been a PayPal user for a very long time and have never had any problems with them at all as a buyer. Due to Covid-19 I decided to start selling items on XXXX for extra cash to support my family ( I am a mother of small children ) and everything was going well all up until PayPal decided to limit my account with over {$5000.00} inside. At first it was only a temporary limit ( so they claimed ) until I could provide them with all of the documents they requested which was a picture of my ID and proof of fulfillment to my customers. I provided PayPal with all of these documents and waited a few days for them to reply thinking that everything would be okay just to receive another email asking for more documents such as my Social Security Card and Invoices from my supplier for proof that I am paying for the items that I am selling on XXXX. Shouldn't XXXX be worried about things like this? Anyway I replied to that email as well with a picture of my social security card and the invoices from my supplier and waited a few more days for them to reply back again. This second email from PayPal had me completely ( heart broken and devastated ) FOR NO REASON AT ALL they said my account had been permanently limited and I could no longer due business with PayPal in the future and that they will be holding any available funds in my account for 180 days. This is completely insane and fraudulent, how they are able to continuously do this to people and get away with it. I worked hard everyday to earn that money and they are keeping it away from me for no reason at all. If there were any problems with my account why didn't they inform of this before? The problem only came in once I tried to withdraw the funds from PayPal and add them to my own bank account. I DO NOT CARE TO DO BUSINESS OR HAVE ANY ACCOUNT WITH PAYPAL EVER AGAIN BUT I WOULD LIKE FOR THEM TO RELEASE MY FUNDS. The {$5500.00} that I worked my XXXX off everyday for and earned is what I want because it belongs to me not PayPal and they shouldn't have any rights at all to hold it for 180 days. This is ridiculous I do not and would not ever recommend PayPal services to anyone. I have moved on to another marketplace which I am happy with and XXXX also allows me to continue to sell. I can not believe PayPal is doing this to hundreds of people and nothing is being done about it. | ||||||
| 06/17/2016 | Yes |
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| This is the second formal complaint I am filing against PayPal because they are dishonestly preventing my law firm clients from paying me by credit card for 30 days or more by forcing me to continue to unlawfully, unethically, and immorally verify my account again and again, time after time, for this the 6th time in less than 3 months, simply because I keyed a payment in based on a faxed and signed retainer agreement from a client rather than an in-person swiping of the card, and using that as a pre-text to hold on to my money ( last transaction they kept {$2000.00} out of a {$2500.00} credit card payment ) and then once again " limiting my account '' so that I could no longer accept credit cards or get access to my money which I desperately need to pay court ordered child support, rent, phone bills, or other necessities for me and my minor children to live. PayPal does not even let you know beforehand that they engage in this type of unfair and deceptive trade practice with any degree of notice ( I am a XXXX for 15 years and even I missed any notice, if there even was any, so I can not imagine a XXXX knowing about this ). PayPal also neglected to tell me that I can actually " invoice '' my clients by emailing them a bill, which they can immediately pay online, which sends money directly into my account, but of course they do n't want to tell their clients about this because then how else could they steal and collect interest on your hard-earned money for a minimum of 30 days? Fraud, deception, and unfair trade and business practices is apparently part of their business model, and their customer support, all of whom who are apparently XXXX speakers, do n't even understand their business model let along able to explain it you. PayPal 's actions are exposing my minor children to starvation and me to jail or loss of XXXX for non-payment of court ordered child support and home/office eviction simply because they want to dishonestly and deceptively hold on to my money ( after they have collected their large finance fee ), collect the interest thereon, and otherwise XXXX their customers in violation of both law and ethics. I demand that PayPal release my help up {$2000.00} immediately as I desperately require my rightfully earned funds from my XXXX clients. If my money is not returned I demand a formal criminal and civil investigation and indictment of this company. | ||||||
| 05/06/2021 | Yes |
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| Hi, PayPal close my account without any reason. I think because I received money in XXXX. Is ok if PayPal don't want let me use their services but the money in the account I need get access. I see my account doesn't have any fraud activity. READ WHAT PAYPAL AGREMENT SAID ABOUT XXXX XXXX PRODUCT. XXXX PayPal XXXX XXXX is a debit card linked to your PayPal XXXX XXXX balance. The PayPal XXXX XXXX is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal XXXX XXXX account. Funds you hold in a PayPal XXXX XXXX account are not insured by the FDIC unless you have successfully requested a PayPal XXXX XXXX. If you have successfully requested a PayPal XXXX XXXX, then we will deposit the funds in your PayPal XXXX XXXX account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal XXXX XXXX is intended to provide the funds in your PayPal XXXX XXXX account with the benefit of pass-through FDIC insurance up to applicable limits. The PayPal XXXX XXXX is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere XXXX is accepted. The XXXX XXXX does not hold your PayPal XXXX XXXX funds. XXXX PayPal XXXX XXXX account is required to get the card. Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, XXXX law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a XXXX Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. In this agreement is clear PayPal said is not a bank. PayPal do not received direct deposit, so, they said are not responsible of the money in the PayPal XXXX services. Is clear in the agreement do not specify nothing about if i received a benefit in my account they can hold my money for XXXX days. my email is XXXX XXXX | ||||||
| 05/18/2023 | Yes |
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| Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I strongly believe that this limitation was imposed in error, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. Firstly, I want to emphasize that I have been a loyal and active PayPal user for several years, conducting numerous transactions without any issues. It has come as a great surprise and disappointment to me to receive the notification about the permanent limitation on my account. I am confident that this is a mistake, and I kindly request you to reconsider and re-investigate my case thoroughly. As a responsible PayPal account holder, I have always strived to adhere to your terms of service and policies. I have conducted all my transactions in a legitimate manner, both as a buyer and a seller. I have never engaged in any fraudulent activities, nor have I violated any of the policies outlined in the PayPal user agreement. Therefore, I am confident that there has been a misunderstanding or an error in the assessment of my account activity. Considering the aforementioned points, I kindly request that you conduct a comprehensive review of my account history and transactions. I urge you to take into account my previous exemplary record as a PayPal user. I firmly believe that upon a thorough investigation, you will find no evidence of any policy violations on my part. In light of the above, I kindly request that you lift the permanent limitation on my PayPal account and restore it to its previous unrestricted state. I value the convenience and security that PayPal offers, and losing access to my account has caused significant inconvenience and disruption to my financial activities. For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate with me through this email address regarding any updates or additional information required for the re-evaluation of my case. I appreciate your attention to this matter and hope for a prompt and fair resolution. I trust in PayPal 's commitment to ensuring a safe and reliable platform for its users, and I am confident that upon further examination, my account will be reinstated. Thank you for your time and understanding. Yours sincerely, XXXX XXXX | ||||||
| 09/04/2019 | Yes |
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| I accidentally sent money to the wrong e-mail address using PayPal on XX/XX/XXXX. I have made multiple attempts to reclaim my money and still have not received {$91.00}. My neighbors daughter was born XXXX in XX/XX/XXXX. She had some emergency XXXX XXXX in XXXX and our friends were preparing for long term medical care at the hospital. We wanted to help out and give some money to an account their friends setup. I sent a {$500.00} payment ( {$91.00} from a credit on my PayPal account and {$400.00} from my credit card ). I accidentally sent money to the wrong e-mail address, missing two letters in the address. I immediately realized my mistake and called PayPal immediately, but it was after their office had closed. I tried to recall my money through my online account, but there was no option for accidentally sending to the incorrect e-mail address. I picked the option that fit the best. I called PayPal and talked to their refund department the next day and they recommended I wait to see the result of the claim. The claim was quickly denied ( XX/XX/XXXX ) and I called again. The representative submitted another claim for me with the proper details. That claim was denied on XX/XX/XXXX. I called PayPal again and the girl I talked with recommended that I file a dispute with my credit card company and said that once they refund the purchase, the entire transaction would be refunded. I opened a dispute with the credit card company on XXXX and they resolved the dispute and refunded {$400.00} on XXXX. I called PayPal fairly soon after that to confirm the full transaction would be refunded and they assured me the money would be automatically refunded once the dispute result was settled in Paypals system. After several weeks with no refund to my Paypal account, I called Paypal again. Paypal claimed not to have any control or ability to refund the money. The e-mail address the money was sent to returned a couple e-mails and phone calls and claim to have no control of or access to the money. He said PayPal pulled the money back as soon as the credit card company dispute investigation started. I have copies of the e-mails, bank statement, and case e-mails. On top of that I called one last time, XXXX and talked with XXXX at PayPal. He challenged the facts of my case and was extremely rude. Ive received {$400.00} refunded from the transaction only through my credit card company. | ||||||
| 03/03/2021 | Yes |
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| I am a venmo customer that has never had any delinquencies on my account, and my account has always been in good standing. I mostly use the venmo app to pay babysitters. On Sunday, XX/XX/XXXX, I mistakenly sent {$300.00} to the wrong venmo user. I almost immediately realized what I did, made another {$300.00} transfer to the correct venmo user and then contacted venmo to request that the first {$300.00} transfer be canceled due to my own mistake. I was asked a series of questions and provided all of the answers but was told that it would take 24 hours to get an answer about my refund request. Later that evening, venmo emailed me to say that I needed to contact the person that I mistakenly sent the money to and request that they return it to me. I found this strange because the {$300.00} had yet to be taken out of my bank account, but I did contact that person. He told me that he would gladly give the money back to me because it wasn't intended for him and that he had not even used his venmo account for a couple of years. He then tried to send the money back to me via venmo but his account was frozen. He then told me that he would call venmo and ask that the money be returned. When he called venmo, he was told that the money would not be returned because he owes venmo money so venmo was keeping the money I mistakenly sent him to collect the debt he owed. He told venmo over and over again that I did not intend to send him the money but venmo did not seem to care. When I found this out, I contacted venmo and explained that I was sorry that the person owed them money but that it is not my job to help them collect their debt, and that my mistake shouldn't mean that venmo can keep my {$300.00}. The series of venmo agents I spoke with ( including a supervisor ) said that there was nothing they could do and that I was most definitely not going to get my {$300.00} back. I told them that I would file a dispute with my bank and they said that if I were successful in doing so, venmo would freeze my account and then come after me to collect the {$300.00} debt that I will then owe them! This is a very anti-consumer policy for venmo to have, especially during a pandemic. Venmo takes money that a customer mistakenly transferred and refuses to return it because another customer owes venmo money? My hard earned dollars shouldn't be used to help a corporation collect a debt. | ||||||
| 09/01/2022 | Yes |
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Web | Older American, Servicemember |
| I am a PayPal customer. My email is : XXXX On XX/XX/XXXX, I received an email stating that I can no longer use PayPal. No specific reason was given. After a review, we decided to permanently limit your account as we found potential risk associated with it. I was quite surprised because I have never had any issue with my paypal account. I checked the terms of service / service agreement and can not find any action the would constitute a violation. I called paypal customer service that day. The agent who took my call looked at my account and agreed that nothing at all in my transactions looked suspicious. He put in a request to have my account get a second review, as he thought this may have been a mistake. The ticket number on that is : XXXX. I have not since been contacted by anyone at PayPal about my issue. Since your email informing me that I can no longer use PayPal does not specify the reason why you believe there is a potential risk, I can not address the issue. But I can say that I have never had any problem with my PayPal usage. I can only guess that perhaps my usage internationally caused a concern. However PayPals own website promotes and encourages international usage. From your web page : We get where youre coming from. We are available in more than 200 countries/regions and support 25 currencies. Send and receive payments easily over borders and language barriers. Were here for you, wherever you are. I am XXXX XXXX XXXX and after retiring last year I am now able to fulfill my retirement dreams of traveling. Ive used paypal to pay merchants accepting paypal for such typical travel needs as airline tickets, airport car service, and internet access providers. Both countries Ive used PayPal in are listed as accepted countries on your website : ( XXXX and XXXX ). Ive never had a dispute with any merchant, never asked for a refund, never violated any conditions of use. I find PayPal to be my preferred method of payment for merchants who accept PayPal because it is convenient, safe and secure. What have I done wrong to have my account limited and not longer able to use your service? I would like very much to have the limit on my account removed so I can continue to use PayPal to pay for services. I assure you that I have done nothing wrong and my usage poses absolutely not risk at all. Thank you for your consideration. Sincerely, XXXX XXXX | ||||||
| 04/23/2019 | Yes |
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| To whom it may concern, On XX/XX/2019 I paid a person an amount of {$250.00} in exchange for a smartphone through an online payment app called XXXX. I found out that this person turned out to be a scammer. Once I found out that this person was a scammer I called my bank right away ( XXXX ) and called XXXX right away to stop the payment to be sent to that person. However, both XXXX and XXXX asked me to do a dispute to the transaction. I first did that with XXXX since the payment was not posted at that time. Then, I did that with XXXX and they said we need 7 to 10 business days in order to complete our investigation. Later, I found out that they made their decision in less than 2 days which did not make complete sense to me and their response was we couldn't find enough evidence, therefore we denied the dispute request. I even asked if I could help with that by sending screenshots that shows both the merchant and I agreed on what goods for what amount and how we paid each other, they said we will get back to you incase we need those information. They sent me an email asking me what kind of merchandise or service I paid for?, What date was the service or merchandise to be received?, Have you received all of or just part of the order? -- And then before I even responded to that email, they sent me an email with their final decision right after the first email in less than 24 hours. I tried calling them again to resolve the issue by asking them if they can have a second review on that case and if they can see the screenshots between me and the supposedly merchant, but they were like this is our final decision. I tried calling my bank and their response was we don't have much to do, your matter is with XXXX and try to resolve with them. I told them this is your fault because I called and filed the dispute before the money gets posted and you did not stop the payment. I'm trapped between both companies and no one is willing to help any further and both are like good luck trying to get the money back. No specialist from XXXX took my case seriously and looked further into this matter and every specialist kept transferring to other people that have no idea about my case. As well, no one from XXXX took my claim seriously and they put the blame on me even though I made sure to call before they process any payments with XXXX. I want to know how could that be fair to someone. | ||||||
| 10/22/2021 | Yes |
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| On the night of XX/XX/XXXX, I lost my phone at a house party around XXXX. After searching for several hours, my friends and I found my phone in a bush in my front yard, with its screen cracked. When I opened up my phone, I panicked after seeing that several transactions had been made via XXXX and Venmo to people I did not know. I immediately froze my bank account to prevent the funds from leaving. I then contacted Venmo about the situation, but to my surprise there were already several chats opened with Venmo customer service during the time my phone had been stolen. Extremely worried, I tried to explain to them the situation regarding my device over chat, but I feared that I wasnt conveying my thoughts clearly because I was so stressed. Over the next several days, I reached out to Venmo via both phone call and email to explain the situation better. However, each time, I was provided with a generic response via email, suggesting that they had not read my emails at all. I grew increasingly frustrated, because not only was my bank account still frozen, but I felt like I was doing my part to explain in great detail the situation I was in, with little effort shown on the part of Venmo. Yesterday, they denied my complaint on the basis that the dispute was opened because [ I ] did not receive [ my ] merchandise, when that was not even why I was trying to dispute the payment. This further demonstrates that they did not even read my emails about how my phone had been stolen. I can not even explain how frustrating this process is. Now they have posted a negative balance on my account and threatened to send me to debt action if I do not pay it back, when I DID NOT MAKE THE TRANSACTION AT ALL. Venmo customer service has been extremely inept. Even XXXX was easier to work with and understanding of my situation XXXX returned my money in four days. Not only did Venmo Support not read my emails, but they also took an entire day to respond to each email, and there was no way for me to speak to someone on the phone who could help me with unauthorized transactions. Their only phone support told me that they could note my case but had to send the case details to email support the Account Specialists had no phone line. How is it possible that such a large, seemingly well-respected company had no phone line for cases of high urgency? This has been an absolutely ridiculous process. | ||||||
| 04/23/2021 | Yes |
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| My identity was stolen, after I learned of this I contacted all my financial institutions including PayPal. It was very hard to get a hold of someone to on the phone. Then because my account was stolen it was even harder to contact you guys over the internet. I left many messages to you all but never heard back. At one point I got ahold of someone and we went through all the money that had been taken unlawfully or fraudulently. A case was opened and in a short time after closed, not by me but Im assuming you all or the person who stole my account. At that same time I went in and verified some things for you all. I was let back into my account and I updated everything. At this time my bank account had already blocked this account from spending my money. I believe that should have been a red flag for you all. However it wasnt. My biggest concern now is that theres another bank account in my name thats being used on my account. If that is the truth then those are both fraudulent accounts. You guys have not talk to me since you will not return any of my phone calls you will not return any of my emails Im guessing you think I am the identity theft thief, but you couldnt be further from the truth. I am in fact XXXX XXXX. I have had this account for years like over 15 yrs, and Im so surprised you all didnt see the big change in the characteristics of spending money. I never had a small business as well, it was added by the person who stole my identity. I want to see my accounts spending for the past 8 years, as Ive been told it is about that long if not longer that this has been going on. Im needing your help to solve this, I cant do it alone. Thanks for reading Im hoping to hear back from you. The stolen account email is still being used, I begged yall to delete it in our one and only conversation, you said it would be done immediately but this was back in XXXX of last year 2020. I need answers and help with my account. There is not a good telephone number that you all can be reached at, as well as there is not a good way to get in touch with you unless you have a PayPal account. Im wondering if there is a number or a better way of communication that you all could give me. I have tried everything and you guys are just so hard so very hard to get a hold of by phone or email or any communication means. Thank you again for reading and I hope to hear from someone soon, | ||||||
| 01/18/2018 | Yes |
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| Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business. | ||||||
| 09/10/2021 | Yes |
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| Below is the complaint I filed with PayPal inc. The company is refusing to release my funds until after 180 days even though I have been compliant in authenticating my identity. Filed with PayPal Friday, XX/XX/XXXX Reference ID : XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am NOT requesting that my account be re-opened or allowed to continue to use the PayPal service, as I respect PayPal 's decision to suspend my account. I simply would like my funds to be released as swiftly as possible seeing as I have not been involved in any fraudulent or illegal behaviour ; I simply made a business account BY MISTAKE instead of a personal account. I do not own a business and thus the {$800.00} USD in my account is money I made on my own accord. I do not have any customers and thus the 180 ban in order to await customer disputes is invalid. I have proof of NOT owning any sort of business attached to this account, that of which I am happy to provide PayPal with evidence. Also, I had previously contacted PayPal to ask them how to downgrade my account from business to personal AND when prompted for showing identification, I do so properly. I was then suddenly banned without proper warning. Furthermore, I am currently overseas and am in need of these funds for traveling back to America. I will begin my travel next Tuesday ( XXXX ) and am in need of these funds. I have proof of my travel such as my ticket and and passport and am happy to provide evidence of this to PayPal directly. Without these funds, traveling to see my family ( whom I haven't seen in 4 years ) will prove extremely difficult if not impossible for me. I have previously requested a review/appeal of my case which was denied even though I was compliant and offered proper authentic identification for the issue. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I will be filing complaints with my respective agencies in America if I am not satisfied with PayPals response to this request to release my funds, respectfully. Finally, I do NOT wish to have my personal finance information kept for 180 days as I would like to completely terminate my business with PayPal. | ||||||
| 03/31/2017 | Yes |
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| I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation. | ||||||
| 01/22/2023 | Yes |
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| On XX/XX/XXXX I attempted to make an order on XXXX using PayPal as my payment. The payment was to be in part from my PayPal Balance ( about {$160.00} ) and in part from a credit card stored on and used through PayPal ( about {$100.00} ). There was an error in the process of placing my order and I received an error code from the website stating the order did not process. However, when I checked PayPal, my funds were removed from my PayPal account and a hold for the {$100.00} was placed on my credit card ( confirmed through my XXXX app ). The next day I contacted XXXX to be sure the order had not gone through. They assured me it had not and they had no access to my funds as the order had not processed. I attempted to contact PayPal via phone to check on the status of when my funds would be released. The customer service phone line provided an automated message that there were no customer service representatives available by phone and a chat through PayPals website was the only way to resolve the issue. I have received the same exact message on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at varying times of the day, even after a customer service representative online through PayPals chat told me I should call in for help AND a supposed PayPal Supervisor through chat also suggested I call in for help. Every day- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have contacted PayPal through their support app to try to get my funds back. Everytime they have stated it is on the merchant and told me to go back to the merchant. PayPal states they can not give me my funds back until XX/XX/XXXX and only the merchant can do it prior. I have called the merchant now twice and been assured that due to the website error they in no way have access to my money and can neither claim the funds nor refund them as they never gained access to them. PayPal refuses to return my funds to my PayPal account or take the hold off of my credit card until XX/XX/XXXX, nearly a month after the error in taking my payment. My only recourse is to continue trying to get them to take action through their PayPal chat which can take hours for a response, is always from a different person who had clearly not read the entire string of communication, and never results in any progress towards my refund. Thank you for your time. | ||||||
| 04/23/2023 | Yes |
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| Thursday XX/XX/XXXX and XXXX XXXX PayPal contacted me saying they had closed my account and are withholding the money in my account The amount I currently have in my account is {$290.00}. I have called and recorded the conversation with PayPal support 3 times over the course of a couple days, the first individuals claim they have no idea as to why there was a hold on my account, gave me a ticket number and told me to wait for an explanation as to why. No response was given. I called them Sunday, XX/XX/XXXX around XXXX requesting an explanation, with none to be given. They have admitted multiple times that they have limited my funds without proper notice as to why, They then transferred me to a supervisor, who again, declined to give me any information. I have had the PayPal account since XXXX with no issues. I would like my money back, and my account reinstated if at all possible, I reviewed their blanket policy terms of service and found that I had not violated it. here is the email I recieved You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. We regret any inconvenience this may cause. Log in to PayPal | ||||||
| 02/12/2019 | Yes |
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| XX/XX/XXXX I awoke to a series of emails from Paypal. Two of them stated that I added a new address to my account. Two of them stated that I added a new credit card to my account, two emails stated that there were funds sent out of the account for purchase, followed by an email stating that there appeared to be suspicious transactions and an email or two about changing my password. Obviously, my account was hacked, as I did not authorize or initiate any of the transactions. I went into my account ( dont remember if I followed a link from one of the emails, or entered the account separately ) and changed my password. At this point, it looked like Paypal was aware that there was an issue and it looked like theyd take care of it. XX/XX/XXXX I noticed that a {$2900.00} charge appeared on my XXXX XXXX credit card. Instinctively, I called XXXX XXXX and reported that the charge was fraudulent. XXXX XXXX told me they would take care of it and removed the charge from my account. What I found out much later from PayPal, was that I should have contacted them instead of XXXX XXXX. I had no idea. XX/XX/XXXX XXXX removed from my account by XXXX XXXX XX/XX/XXXX XXXX charged back to my XXXX XXXX card << XX/XX/XXXX to present Multiple, hours long phone calls with XXXX XXXX and paypal attempting to resolve issue>> XXXX XXXX tells me that their hands are tied because PayPal claims the transaction looks legitimate to them. That is simply impossible, as the account was clearly hacked. I recently learned that the XX/XX/XXXX emails were part of a phising scam - which Paypal acknowledges. They ( PayPal XXXX refuse to do anything about it because I took up the matter with XXXX XXXX instead of them - nonsense. A USPS tracking ( given to me by PayPal ) shows that an item was delivered to my address that relates to the {$2900.00} transaction. I did in fact receive an unsolicited, small brown envelope from XXXX that contained a small, plastic XXXX XXXX toy. The various emails on the XXXX all point to a source in XXXX. XX/XX/XXXX - Discovered that all the XX/XX/XXXX emails from PayPal were phising emails. XX/XX/XXXX - Forwarded all XX/XX/XXXX emails to PayPal ( XXXX ). XX/XX/XXXX - Received replies from PayPal acknowledging that emails were fakes. No further responses since from PayPal. PayPal refuses to discuss my case, claiming they have closed it. Unacceptable to me. | ||||||
| 10/02/2021 | Yes |
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Web | Older American, Servicemember |
| My PayPal account was frozen ( limited ) and I cant use it or get my funds that are in my account for 180 days. Late XXXX XXXX I had to open a PayPal account to cash in on some winning from XXXX sports. It was the only way that I could claim my winnings because it was the only way that they would make the payment. As long as it was open I decided to start having my rewards from other sites transferred into the new PayPal account. On XXXX XXXX, XXXX I received an email that my PayPal account was limited ( frozen ) and I could not use or have access to my funds, I would be notified after 180 days as to how to get my money. There was no explanation as to why my account was frozen, ( only a link to possible reasons, none of which seemed to apply ). The only things that I did were to deposit funds, check my balance and try to apply for a PayPal card. None of these actions should be a violation of rules. I called customer service to try and clear up the situation and was told that they could not see any reason why the account was frozen and that it would be restored within 24 to 48 hours after a review and I would get an email when it happens. Five days later I still did not receive a reply and my account was still frozen. On XXXX XXXX, XXXX I called customer service again and again I was told that they could not see any reason why my account was frozen and that there was no update to the status of my account and that they would send another request to the reviewing department. I was also asked to send a copy of a photo ID which seemed unnecessary because they already had information on me like my SSN. I reluctantly sent their request. As of XXXX XXXX, XXXX after 11 days there was still no response to any of my calls and my account is still frozen so I filed a complaint with the XXXX. I received a response that the account would remain frozen and I would receive instructions to get my deposits back in XX/XX/XXXX. This all stems from the use of a VPN when I accessed my account. In the mean time I have a reward that is in limbo. It was supposed to deposited into my account but they cant deposit it because of the freeze and I dont know if I can get credit or some kind of refund for it. How can they arbitrarily freeze peoples accounts and use the same excuse of risky activity and hold on to their money for 180 days? How can I get my account restored? | ||||||
| 11/15/2016 | Yes |
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| Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available. | ||||||
| 01/28/2016 | Yes |
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| About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}. | ||||||
| 04/07/2015 | Yes |
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| I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly | ||||||
| 09/24/2020 | Yes |
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| Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal. | ||||||
| 08/18/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX an unauthorized transaction from my PayPal account which resulted in {$1200.00} being transferred to the account of an individual with the following email : XXXX, whom I have no affiliation with. I did not realize this transaction occurred until it was withdrawn from my bank account on XX/XX/XXXX. Once it was realized, I immediately disputed the transaction with PayPal, as well as with my bank. Approximately 4 hours later, PayPal determined that the transaction was valid. I then contacted PayPal via phone to appeal the dispute. After about 15 minutes of appalling customer service, they agreed to open an appeal. While the appeal was being processed, I changed my security settings with PayPal and removed as much payment information as I was allowed to by PayPal. The transaction was also rejected by my bank. Following the rejected transaction, I stopped payment of any further transactions from the merchant XXXX AT PAYPAL. Despite the NSF return, PayPal informed me that, my account would go negative, and I will still be responsible to pay the money back. Meanwhile, while the appeal process was still ongoing, I noticed additional suspicious activity on my PayPal account where security settings were changed from a device I do not own or recognize, I informed PayPal of that information within minutes of realizing its occurrence ( XX/XX/XXXX ), on XX/XX/XXXX, the appeal was closed with the same determination, that the transaction was valid. At my next convenience ( the morning of XX/XX/XXXX ), I contacted PayPal via telephone to attempt another appeal, where I was told I can not appeal the transaction any further and that Im legally responsible for these funds. The customer service representative this time ( XXXX, employee # XXXX ) was excellent, she looked further into my situation and found some inconsistencies, that she would forward to the back office, I have not heard anything further from PayPal. The treatment and service I have received from PayPal is horrendous. I have been a faithful customer with them for 15 years and have never disputed a single transaction. The one time I dispute an actual fraudulent transaction, Im essentially called a liar multiple times and am responsible to pay PayPal back for allowing a criminal to steal money from me in a pandemic, where money is already very tight. I plan to file a police report very soon. | ||||||
| 01/03/2021 | Yes |
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| On XX/XX/XXXX I was searching the web for a set of XXXX XXXX XXXX XXXX for a XXXX XXXX and came across a website called XXXX which had them listed for {$44.00}! I went to purchase the item using PayPal to protect my credit card information. When the information on PayPal to complete the purchase was show the payee 's information was different than the information shown on the website for XXXX. Information shown on website says the owners name is XXXX XXXX but the name shown on the PayPal website is XXXX yet the email address shown for XXXX is XXXX not the one shown on PayPal also the item is shown on PayPal as XXXX XXXX! The XXXX is shown as the the SKU number for the pickup listed on XXXX website but on PayPal it didn't show the items as XXXX XXXX XXXX XXXX XXXX it showed XXXX XXXX I did not have any idea what a XXXX is unless it is a XXXX knock off. I also noticed that on the XXXX website contact information there is an address shown but the street name is missing a sure sign that it was a scam site. Upon seeing the information on the seller shown on PayPal did not match the information on the website I closed the browser to prevent any type of down spyware or malware being downloaded to my computer. At no time did I click on anything to complete the transaction because I believe it to be a scam website! A little while later I was checking my email and found an email stating that there was a PayPal charge for the purchase. I contacted PayPal and told them I never made the purchase yet a few hours late I get a reply form PayPal stating based on my purchase history I did make the purchase, yet I have received no order conformation to show this purchase was made from anyone or company other than PayPal!! And at no time has PayPal contacted me asking for any more information or anything else just they have concluded I made the charge. I see nothing to show they contacted the business! I went to went to appeal this following the directions on PayPal 's website and provide screenshots of the information showing the XXXX website information is different than PayPal and there is no way to appeal it! I did send an email to PayPal concerning this including the screen shots and have heard nothing bac. Also it appears that after PayPal decided that I did make the charge they again charged my account again to the same seller for the same amount!! | ||||||
| 08/10/2022 | Yes |
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| On XX/XX/22 a payment was sent from our XXXX XXXX credit card to Venmo to pay an individual, Friend X ( not real name ). Friend X was unable to pick up the payment through Venmo. The {$1500.00} payment to Friend X was pending in our Venmo account until XX/XX/22. Contact with Venmo rep XXXX on that day reported this was an error and a claim was filed to credit the {$1500.00} to our account. As of XX/XX/22, there was no credit to our Venmo account and now no evidence the transaction was ever pending. The {$1500.00} payment to Venmo from XXXX XXXX had disappeared from our Venmo account. Contact with a Venmo representative on XX/XX/22 resulted in insistence that the {$1500.00} payment from XXXX XXXX was declined and never went through. However, there had been a pending {$1500.00} payment to the Friend X until XX/XX/22. Likewise, we had evidence of the {$1500.00} payment to Venmo on XX/XX/22 from our XXXX XXXX card ( which we have an XXXX XXXX reference number for ) and we have since paid XXXX XXXX for this charge. Contact with Venmo ( XXXX and XXXX ) on XX/XX/22 resulted in escalation of the account to an account specialist. Contact with XXXX at Venmo on XX/XX/22 reported that the issue continued to be with acct specialist and we needed to be patient. Venmo has reported to us on multiple occasions that the {$1500.00} from XXXX XXXX never went through, however, this is not the case as the pending payment to Friend X for the {$1500.00} transfer was pending in Venmo account until XX/XX/22 ( and we have confirmed with XXXX XXXX that the transaction went through ). Repeat contact with XXXX at Venmo on XX/XX/22 resulted in the same run around with no new information. We are told this issue will be escalated again to an account specialist but contact with account specialist can only occur via email. We have never been able to speak to an account specialist to find out where things stand. Meanwhile the original payee, Friend X who could not pick up the payment, has disappeared entirely from our Venmo account ( again as if it never occurred ) and the account continues NOT to have the {$1500.00} that was paid to Venmo from XXXX XXXX. It is as if the history of the entire transaction was erased. We are concerned that this is a scan from person ( s ) within Venmo since they refuse to resolve this conflict and we have evidence of the XXXX XXXX payment to Venmo. | ||||||
| 11/07/2022 | Yes |
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| I made a payment to a XXXX XXXX, a XXXX company on XX/XX/2022 using PayPal. Pay Pal did not give me the opportunity to send US dollars. The only option was to have PayPal convert the payment to XXXX dollars. PayPal used a below market exchange rate ( XXXX ) to convert my {$2900.00} US to XXXX XXXX. The market rate on XX/XX/XXXX was XXXX, which should have resulted in my seller receiving XXXX XXXX. This is a difference of {$160.00} XXXX. The seller is now requiring me to send another {$100.00} US to cover the discrepancy. I believe that PayPal cheated us out of {$100.00} XXXX by using this below market exchange rate and would like CFPB to compel them to use a market exchange rate, and reimburse us for {$100.00} US. Here is the receipt for our payment : You sent {$3700.00} XXXX to XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX XXXX XXXX XXXX Final Payment for XX/XX/XXXX XXXX XXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2022. Money sent {$3700.00} XXXX = {$2900.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$2900.00} USD This transaction will appear on your statement as PAYPAL XXXX XXXX You paid {$2900.00} USD XXXX XXXX XXXX XXXX XXXX XXXX receive {$3700.00} XXXX Recipient may receive less due to foreign taxes. This rate includes a currency conversion spread. Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Here is the information on the transaction showing the conversion rate that PayPal used : Paid with credit cart -- information deleted You'll see " PAYPAL XXXX XXXX '' on your card statement. {$2900.00} Exchange rate {$2900.00} USD = {$3700.00} XXXX XXXX USD = XXXX XXXX Ship to ( name and address deleted ) Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note Final Payment for XX/XX/XXXX XXXX XXXX XXXX Details Sent to XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} {$3700.00} XXXX Total {$2900.00} {$3700.00} XXXX We have called PayPal three times, twice on XX/XX/XXXX and once on XX/XX/XXXX. They have been very unhelpful. Today we submitted a dispute to PayPal and the information on that case is Transaction Date XX/XX/2022 Payment Amount {$3700.00} XXXX Recipient XXXX Transaction ID XXXX Case Number XXXX Thank you, XXXX XXXX | ||||||
| 01/14/2019 | Yes |
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| My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. I was recently told by PayPal that a payment made to me for an XXXX auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. The PayPal dispute number is XXXX. The tracking number for the shipment is XXXX. I am attaching a text file which includes the email exchange between myself and the buyer. | ||||||
| 08/19/2023 | Yes |
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| On XX/XX/XXXX, my Paypal account ( XXXX ) shows there is one transaction charge : {$79.00} I dont recongize. I went ahead and disputed this charge. The dispute was denied right away by Paypal using the reason that this is a recurring charge since last year so it is not an unauthorized charge. I initially reported this charge as unauthorized because it occurred without my knowledge or consent. I contacted Paypal and mentioned that I just realized that I have been charged this amount two consective years since XX/XX/XXXX and argued that unauthorized charged means an non-consented charge even it was charged twice, it doesnt necessarily mean it is authorized. I later learned that Paypal categorized it as an " Item Not Received '' dispute, and subsequently ruled in favor of the merchant, XXXX XXXX, without providing any specific evidence or rationale for the decision, but just said Paypal has reviewed the info provided by the seller. I am deeply concerned about the fairness and transparency of this decision. The charge in question was presented to me as a recurring charge that I had no record of authorizing. In my initial dispute, I provided a clear explanation of why I believed the charge was unauthorized, and I expected a fair assessment of the evidence. Instead, the reasons for my dispute were altered without my consent, and the case was decided against me without any transparent explanation. I am particularly troubled by the fact that when I inquired about the nature of the services provided by XXXX XXXX for which I was charged, I was informed by PayPal that I should contact XXXX XXXX directly to find out, as PayPal does not have this information. This response was both unhelpful and unacceptable. It is reasonable to expect that PayPal, as the mediator in this dispute, would provide me with sufficient information to understand the basis for the decision. When I provided my Paypal email and charged credit card info on the merchant XXXX XXXX website, it came back with no order related with info provided ( please see attached screen shot ). The fairness and integrity of the dispute resolution process are paramount. I would like CFPB help to re-evaluate my case in light of the concerns I have raised and the absence of clear evidence to support the charge. I hope that PayPal will prioritize transparency and fairness in addressing this matter. | ||||||
| 11/22/2021 | Yes |
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| PayPal allows anyone to send funds to anybody, without prior acknowledgment. My friend sent me {$130.00} to reimburse me for an expense. According to PayPal, she sent as a commercial transaction instead of personal transfer. I don't have any control over who and how they send me money. She did put a note that this was a transaction between friends. Upon receipt, I notice PayPal charged ME a fee. I tried to work on that with PayPal, but it's PayPal so they don't help in any way. Had they looked my account, I don't have any indication that this could be a commercial transaction, this was a transfer between friends. PayPal suggested me to refund, however I would still have to pay XXXX in non-refundable fee. See the problem here? Someone sent me money, I decided not to accept, and I still have to pay a fee ( not the person that sent it by mistake ). I'm paying for someone else 's mistake. Something completely out of my control, and I'm the one being charged a fee. How is this legal to be charged a fee for something you don't accept? If a fee must be charged, I'm not the one to pay for it. I did not initiate this, I did not sent any request, I made no mistake. How is it legal that I'm the one paying a fee?! The problem doesn't stop there. The representative said multiple times I'd be charged XXXX fee. I proceeded with the refund, and I was charged XXXX in fees. I wrote back asking about this difference, and then they said yes, my fee is higher and should be XXXX. You see the next problem? None of the fees PayPal told me matches what I was charged, which is higher. By the way, PayPal, of course, does not allow me to save the conversation to share with regulators. Isn't it nice? I had a lot of work to be able to copy and paste, and it is attached. There is a reason for them to make it difficult. This is clearly lack of regulators watching what these companies do. Why? Someone is probably making a lot of money, because it's unacceptable to have so much uncertainty in the financial industry. PayPal is taking advantage that regulators are not watching their operations. I regret choosing PayPal and that was the last time, I promise you. I thank PayPal for giving me the opportunity to find a competitor that made everything so much faster and simpler ( XXXX ) and, fortunately, I won't use PayPal or Venmo for any transaction in the future. | ||||||
| 04/10/2021 | Yes |
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| Paypal acts as an intermediary that claims to have " Instant Transfers '' as they are even titled this at the transaction level on my bank statement. A quick XXXX search will even bring you to their webpage where it is written " An Instant Transfer is a way to send money or make a payment from your bank account instantly using PayPal. '' However, on 7 different occasions this year, an account that I use to pay a handful of bills and keep a low balance on has been overdrawn by paypal instant transfer transactions that are not reflected in my banking history until days later ( on a delay ). I would think the average consumer can reasonably assume that an instant transfer means that it will come out of your account the same day. That being said, I would recommend the CFPB review this for potential UDAAP Violations. As it sure does seem to be misleading and deceptive in regards to the verbiage used on their webpage ; leading to material customer harm in the form of potential NSF fees. Just some context, I bank with XXXX and if a transaction occurs that happens to overdraw my account I get text alerts with every single type of transaction - with the exception of paypal. Paypals transactions all reflect in my banking history on a delay but with a posting date of the date the transaction occured. Since they do not actually show until days after the fact there is not chance to fund the account in the event of an overdraft. I have contacted Paypal on this, as I have incurred 7 NSF Fees totaling {$210.00} and they refuse to do anything about it and keep referencing their legal agreement which does not speak to this issue. Additionally, Paypal charged the wrong card for 2 of these transactions. I reached out to them and even disputed the charges because I did not authorize payment on the card that was charged. Paypal has denied my dispute but has not closed the case with the merchant.The result is, that the merchant will not refund me for the returned items. My understanding is that this is a Reg E Violation in that all disputes are required to be either closed or a provisional credit issued within 10 days of the dispute. I opened my dispute on XX/XX/21 and while paypal case handling tells me the case is closed - the merchant wont refund my returned items because they are indicating that paypal hasnt communicated the result of their investigation. | ||||||
| 02/24/2018 | Yes |
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| RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account. | ||||||
| 12/15/2016 | Yes |
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| On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith. | ||||||
| 03/28/2017 | Yes |
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| I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do | ||||||
| 04/18/2022 | Yes |
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| I created a personal PayPal account in XXXX which I used to make small purchases through XXXX for things like gifts for friends. Somehow when I created the account, my address was accidentally listed in XXXX, even though my street and city were clearly U.S. based XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As far as Ive been able to tell, there is no such street address in XXXX. PayPal never raised with me that this problem existed nor that it needed to be corrected, until my account was unexpectedly closed. There is over {$2000.00} in the account which I can not access and PayPal never gave me any opportunity to prove myself. I do not live in XXXX, Ive never lived in XXXX, I dont speak XXXX, nor do I use PayPal for business. Yet here I am with $ XXXX trapped in an account I can not access. The account was permanently limited/aka closed after I used PayPal during the process of selling my wedding dress. I decided to sell my wedding dress using XXXX to raise some extra money, and XXXX requires sellers to pay buyers through PayPal. My dress was a bit expensive, which is why the resale transaction was for ~ {$2000.00}. I of course had no idea that I had any issues with PayPal so I shipped the dress the morning I was paid ( XX/XX/XXXX ) and uploaded a tracking number to PayPal. The dress was delivered on ( XX/XX/XXXX ). On XX/XX/XXXX, I went on vacation so I did not realize my account had been permanently limited until going through my personal to-dos on my way home. Im now out my wedding dress ( something very important to me and something I now sorely regret ever trying to sell ) and {$2000.00}! PayPal also collected a 5.3 % fee on this transaction, in addition to locking up my funds. Ive informed PayPal I can provide whatever they need to verify my identity, my country of residence and the legitimacy of my transaction, but theyve told me there is nothing their team can do. Theyve advised me to call their XXXX team, but I do not speak XXXX and the number I called said it can not be reached. PayPal makes money by exchanging and storing money, and here, theyve taken my money ( on which Im sure theyre earning interest ), charged me a pretty hefty fee, and made me spend ages on the phone with people who ( 1 ) have treated me like Im doing criminal business and ( 2 ) allege they can do nothing to help me, all without giving me any way of proving myself. | ||||||
| 05/28/2023 | Yes |
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| PayPal refuses to refund money taken from by bank account via ACH for a purchase that was cancelled same day of purchase with both PayPal and the seller XXXX XXXX. PayPal is trying to contort the narrative that I attempted to use a PayPal credit that was denied. As a result they took money via bank ACH. Here is the problem with that lie and misinformation. The purchase was made XX/XX/XXXX online at the XXXX XXXX website. I choose the payment via payment in 4 via my XXXX XXXX. Its the method I always use. When I realized the full amount, I immediately called PayPal. They were closed. Their online chat bot referred my to the portal. I checked cancel agreement. A few hours later when they opened, I called an cancelled on the telephone. Then I called the seller XXXX XXXX. I cancelled twice. First with a rep, and then a manager. The manager confirmed the cancellation. I then called PayPal to confirm. PayPal told me I was good. But the money was from my debit card. That was rarely use my debit card. Its always XXXX XXXX due to their buyers protection. I underscored with PayPal the order was CANCELED. Much to my chagrin, the next day the took money via ACH from my bank. I filed multiple disputes with PayPal. I even had the seller CONFIRM the order was cancelled, never shipped, and never delivered. Yet papal continues to play games refunding {$1300.00} to my account. I even have an email from the seller confirming the refund and cancellation. Moreover, I have an email from a PayPal rep named XXXX. He confirmed the seller had until XX/XX/XXXX. At that point PayPal would refund. Its XX/XX/XXXX, and PayPal has now asked until XX/XX/XXXX. Unacceptable. Their new supervisor XXXX has twisted the narrative to say I wanted to use a PayPal seller credit ( of which there is ZERO credit available ) to make a {$1300.00} purchase? Thats preposterous and a lie. I wanted the purchase from my XXXX XXXX with pay in 4 option. They CONVENIENTLY obviated that payment option because they knew XXXX had buyers protection where debit cards rarely have this. As of XX/XX/XXXX, I have sent XXXX the sellers email confirming the refund and cancellation. PayPal also has the RECORDING of their own rep XXXX saying the dispute would be closed by XX/XX/XXXX and my money refunded XXXX has engaged in predatory and bad business practices. I am demanding my {$1300.00} refunded ASAP | ||||||
| 06/08/2022 | Yes |
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| I just enrolled into XXXX XXXXXXXX XXXX XXXX XXXX because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think 4 since XX/XX/1922 one showing my social security number with the wrong address and the other 3 with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the dark web as told to me through XXXX XXXX XXXX XXXX XXXX. Also I have received strange inquiries through my text msg on my cell number recently through XXXX XXXX asking me to receive an money request and I have no XXXX XXXX XXXXn my name. Also I reported last month the same as I received an email about a PayPal account that I never opened which I called them and reported it. As well as there is two old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely XXXX computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. XXXX who would XXXX XXXX XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an XXXX bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX XXXX that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help. | ||||||
| 09/22/2021 | Yes |
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Web | Servicemember |
| On XXXX XXXX, XXXX, I had a deposit made into my paypal checking account for {$700.00} by an individual known to me. This is not the first time my account has received this amount or similar amounts into the account. I tried to withdraw the funds by accessing my account on my mobile phone using PayPal 's mobile app. Everytime I tried to move the funds so that I could utilize it, PayPal app would give me a message saying " were sorry we are having difficulties processing your request. The problem is on our part. Please try again later '', then the application would freeze. I tried numerous times to complete the transaction and at different times but kept receiving the same message! When I finally called paypal, I found out that apparently there were some steps for me to take in order to get access to the funds which I found out that paypal put a hold on. NOWHERE WAS I NOTIFIED OF THESE STEPS TO FOLLOW ON THE MOBILE APP OR ONLINE! I believe this is an unfair and predatory practice since I am sure I am not the only customer to have experienced this. PayPal and others like them like XXXX, are unfairly holding on to funds belonging to millions if not billions of people like me who are not savvy when it comes to online or virtual credit lending companies or whatever they're called, q like themselves. And by doing so, they are benefiting from these held funds to the tune of billions of dollars in interest earned and at the cost of normal people struggling to make a living or make ends meet and who themselves are losing out, collectively, on billions of dollars in terms of interest they could have earned, had they had timely access to their funds AND A LEVEL PLAYING FIELD IN TERMS OF CLEAR INSTRUCTIONS TO THE CONSUMER as to what needs to be done to gain access to the money that friends and family send or their customers send. I believe they are intentionally doing these things to financially benefit from consumers and somebody has got to stop them! Additionally, I think that they ( paypal, chime, etc.. al ) are intentionally trying to shield themselves from litigation by preventing consumers from taking screenshots under the guise that it is for the protection of consumers! Consumers should be able to screenshot whatever they want to once they have satisfied security protocols set in place to gain access to the information in the first place! | ||||||
| 11/08/2019 | Yes |
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| I sold an rare obsolete auto part on XXXX for {$450.00} to a buyer who turned out to be a scammer. He purchased another cheaper about {$50.00} item from me under different account that I didnt realized. I received payments on paypal and shipped items. {$450.00} payment came on 9/30 and so same say I shipped item priority insured with signature confirmation. Second payment came on XX/XX/XXXX and shipped first class mail. Both packages delivered to the same town and state. {$450.00} package signed by man on XX/XX/XXXX. And the other package delivered on the XX/XX/XXXX. On the XX/XX/XXXX I received message from the scammer stating he didnt received {$450.00} item but the {$50.00} item with picture of the {$50.00} item on top of insured expensive package. Although XXXX suspended scammer accounts as it is was obvious he purchased both items and both items were delivered and he was trying to get money, he went onto paypal and opened the dispute there. I couldnt even respond to the dispute because of time out on their website then couldnt attach my documents ( pictures scammer uploaded on XXXX ; paypal dont communicate with XXXX and have no clue or interest investigating to make a sound decision ). I decided to call them and ask for alternative way to provide documents which they allowed. I emailed supporting documents and heard nothing. A day after that, logged in the resolution center and see that they allowed scammer to return {$50.00} item back but will refund him {$450.00} and they claim that I agreed to it while I specifically said no and asked for through investigation. Where is seller protection they mention? Where is through investigation? I submitted 25 pages of documents showing that this man is a crook and I shouldn't be liable for that. I paid close to {$20.00} to insure, require signature and ship priority to avoid fraud ( as required by paypal for seller protection ) and still I am to blame and will loose item and money spent to get it, my time to find this rarity, my postage. Where is justice? Did anyone in such high value case even looked at my supporting documents? Although I submitted them I see they were never attached. Paypal said they would fight for me. So what happened that they didnt notify me they allowed buyer to return item and when I log in I see they claim I agreed. Where is falsely advertised seller protection? | ||||||
| 06/10/2015 | Yes |
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| 1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly. | ||||||
| 05/08/2023 | Yes |
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| In XX/XX/2023 I made a purchase using PayPal which would charge my XXXXXXXX XXXX XXXX {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so XXXX gave me a credit for the {$750.00} in early XX/XX/2023 and I filed a dispute against the vendor. In XXXXXXXX XXXX the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. XXXX did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from PayPal and they would return the money to PayPal. XXXX then rebilled me the {$750.00} on or about XX/XX/2023 as I had received 2 refunds for the same item. I assumed at this time everything was over. Until About XX/XX/2023 Paypal also rebilled me about {$74000.00} to my credit card. I also noticed they had blocked me from using their services. I called PayPal several times to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( PayPal ) never received their money that XXXX had credited to me in XXXX. I have called XXXX every week since then several times per week asking them what is the process for returning this money to PayPal. They have told me they returned it to the bank on XX/XX/2023 and PayPal had to check the bank or merchant services. I called PayPal to give them the information and they have stated they see no refunds on their account. PayPal is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why PayPal and XXXX cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received any cash from PayPal. This was all transactions through a credit card. So I dont understand why PayPal believes I am responsible for any delays or any debt to them and not XXXX XXXX I have called XXXX numerous times per week asking for help. Asking them specifically where PayPals money went, to what bank, are there any routing numbers etc. XXXX has told me weekly they will look into it and call me back with updates. XXXX has never called me. I dont want this to go on for months and get worse. I need help. I dont understand why PayPal is pursuing me for any debts and not XXXXXXXX XXXX | ||||||
| 01/22/2023 | Yes |
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| PayPal sent the following email : XX/XX/2023 " PayPal You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We XXXX Take. You must remove all references to PayPal from your website ( XXXX ) and/or auction ( XXXX ), including removing PayPal as XXXX payment option, the PayPal logo XXXX and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds XXXX be used to satisfy any obligations you XXXX have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the XXXX XXXX XXXX are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete the PayPal XXXX XXXX XXXX by clicking XXXX at the bottom of any PayPal page. We regret any inconvenience this XXXX cause. '' I thought this this was a Phishing Scam and changed my login with PayPal XXXX I was hacked. Going to the official PayPal website I found I was " permanently limited '' for violating a PayPal terms of agreement. I called PayPal on XX/XX/2023 and asked for more information about the specific violation. Customer service was not able to locate any specific reason and did not see any obvious reason for the " permanently limited '' account. I would like assistance in finding out what rule was broken. I only use PayPal for managing my recurring payments for subscriptions ( all automated ). There is no other financial transactions that would be suspicious for potential fraud or illegal activity. I can't for the life of me see what rule was violated. And I expect better documentation that what PayPal is providing. | ||||||
| 05/26/2017 | Yes |
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| XX/XX/XXXX T o : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/ XXXX , California Attorney Generals Office Re : FA ILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal. I have made purchases though XXXX , and PayPal is refusing to pay the sellers for items I have won via auctions when they hav e deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX , the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since XX/XX/XXXX a nd they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding hostage my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals neglig ence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account In fo | ||||||
| 05/30/2023 | Yes |
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| I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX call center so if you did contact them immediately, they might not be open to help you. | ||||||
| 09/22/2022 | Yes |
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| I submitted a complaint earlier in regards to a transaction dispute between Paypal and XXXX ( Complaint ID XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX series and need to reactivate my account for research purposes for my employment. My XXXX account was canceled as a result of the chargeback I asked for after Paypal used a credit card that I didn't authorize when a specified card was declined. When I attempted to reactivate the XXXX account you're asked to choose a payment method. I used the Paypal linked to the email I've always used. XXXX always brought me back to the previous screen saying that there was an error. So I called XXXX and the person I spoke with said there was no block towards XXXX on their end and that Paypal isn't allowing the authorization to link my Paypal to my XXXX account. They suggested I link my card directly and I let them know I don't now, nor have I ever put any streaming subscriptions directly on my credit cards to avoid situations exactly like the one I'm dealing with. So I called Paypal and explained the situation. The agent I spoke with around XXXX XXXX XXXX told me that they would be able to take my number, call XXXX with me on the phone and sort out the entire situation. They asked for my number and promised to call me back in no more than thirty minutes. I received no call and know that Paypal 's hotline closes at XXXX XXXX EST. I called Paypal back at XXXX XXXX EST. I explained my situation for a fourth time yet another Paypal agent and after repeating a bunch of information regarding the issue that wasn't relevant or that I said I already knew, I explained what the last agent said they would call me back to do and the mediation they promised to set up. I asked outright was I lied to by that agent, and the agent confirmed that I had been given incorrect information and that such a thing would never take place and it's not something they're authorized to do. This is the second time Paypal 's agents have lied to me in a way that's insulted my intelligence, wasted my time, and now are jeopardizing my job seemingly as a retaliatory punishment for making them do their jobs not allowing them unilateral authority to charge whichever of my payment sources to whichever merchant they please. Poor customer service is one thing. Outright lying is malicious and unconscionable. | ||||||
| 03/21/2018 | Yes |
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Web | Servicemember |
| I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap. | ||||||
| 12/28/2016 | Yes |
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| Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice. | ||||||
| 02/14/2023 | Yes |
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| I have a Business account with Venmo which I have used for 18 months now. Last week I received an email stating : " We have recently reviewed your usage of Venmo 's services, as reected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. '' They refuse to tell me how I violated their User Agreement. I have only ever conducted business transactions through my Venmo Business account ( of which they receive a service fee for each transaction ), and personal transactions through my personal Venmo account, which can easily be veried by looking at my transaction history. My latest correspondence dated today ( XX/XX/2023 ) with them was : Hello, Thanks for following up. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. I apologize that we're no longer able to serve your business and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. Best, XXXX XXXX | Venmo I am ling a complaint with CFPB because I know they have done this to many others ( read this article XXXX XXXX XXXX XXXX ). It is not fair they can take away a source of revenue for our businesses without telling us the reason why. We have no way of defending ourselves and are not allowed to speak on the phone with anyone - email is the only way to communicate with these " decision makers ''. But how can we argue our defense when we don't know what we did wrong??? Plus, they deactivated my personal Venmo account even though their email dated XX/XX/2023 says : " Please be aware that your personal account is not restricted and you are free to continue use on that account. '' As of today, if you search for my personal account, you will not be able to nd it. Their business practices are unfair to customers. They are a Big Tech bully toward small businesses and individuals, and need to be held accountable for their deceptive and unfair conduct. | ||||||
| 04/12/2022 | Yes |
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| On XXXX I received a notice that my PayPal account was limited. I learned the confusion twas due to a name change secondary to marriage, I was more than irritated. I have been married for 17 years and since I use this PayPal account primarily for online transactions, I never took the time to change my XXXX XXXX XXXX PayPal account. It was resolved with an apology as several of my subscriptions had been bouncing and one was canceled and it ended up being quite a hassle. I decided to use Venmo as a replacement as I lost trust for PayPal following this experience. I have had a Venmo account for probably 4-5 years and I use it primarily for paying babysitters. I have also used to reimburse people I know for expenses like restaurant meals, errands for a sick co-worker, paying for piano lessons, babysitters, and I sold a few items out of my house recently. I had accumulated {$1000.00} and attempted to transfer a portion on XX/XX/XXXX but mistakenly transferred the whole amount. I received an email the next day informing me that my account was limited and my transfer was being reviewed. I was asked to provide evidence of my identity, but when I logged onto to my account I saw no evidence that my account was limited. I provided the photo of my XXXX passport on XX/XX/XXXX when I was unable to use the account as I thought I was being scammed or phished. I spoke to several customer service representatives and was told that my account being reviewed by a specialist. I was finally informed late on XXXX that my account had been permanently frozen that money that belongs to me will be available in 180 days. I called customer service on XXXX and was told that my account looked normal and they would request another review. I was informed late on XX/XX/XXXX that the decision remains. I did not violate the terms. I am not being given an opportunity to defend myself. And, they are retaining my money without any explanation. This entire ordeal occurred due to discrimination, as men do not change their names due to marriage. PayPal and Venmo are the same company and I started using Venmo as a replacement for PayPal so my account activity increased during that time. This is all very shady and after doing an Internet search I learned this is common. I am a normal person : a boring suburban mom with a regular job and a dog, cats, and a backyard garden. | ||||||
| 07/11/2020 | Yes |
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Web | Older American, Servicemember |
| Hello, I became aware that there was some problem with my PayPal account the first of XX/XX/2020. I received the following alert, " Theres a problem with your account. Be sure to resolve it to restore full account access. '' I then received the following notation to my account, " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX I attempted to phone their customer service with no success. I then messaged then the following request, " Hello Again, I have attempted to contact you by phone and message and have received no response. You have limited my account and you have not provided me with any reason why you have taken this action. I have done nothing to warrant this action and have been a customer for 17 years and have had no issues. I will pursue additional action through XXXX and FTC and Homeland Security as well as any financial institutions listed in my account to further investigate your company practices as there appears to be some breach of your system and my continued account in good standing. I am requesting your reasons in writing for this action as I have no clue why my account is restricted or why you have denied me access. XXXX XXXX '' I continued to look for a response or correspondence and have yet to receive any justification for their action. Further, I can't use and of their services and they have and continue to lock me out of deleting my bank and credit card information. I have no idea what prompted their action as I have been a responsible customer for many years. As I have tried to investigate and research to obtain an explanation I have discovered that this arbitrary action by PayPal has happened to many people and has been problematic for retailers on XXXX. I appreciate any help you can provide to assist me. Thank you, XXXX XXXX ( PayPal Acct. I.D . XXXX ) | ||||||
| 07/29/2022 | Yes |
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| I placed an order on XXXX on XX/XX/2022 for {$130.00} and used my PayPal account to pay for it. I never received the package, and when I called XXXX XXXX XXXX customer service, I put in a claim for either a refund or replacement for the items I never received. XXXX customer service was unhelpful and said that the package was delivered although they failed to show me proof. It was never delivered. They used a carrier called XXXX delivery. I went to XXXX and there is no phone number or contact information to ask them about my shipment. I contacted XXXX XXXX XXXX again and asked if my item was insured like it would be if they shipped with USPS or XXXX they didnt answer. I contacted PayPal because they advertise that they offer consumer protection when you use PayPal to pay for goods and services. I put in a dispute with PayPal about the charge, and they closed the case in favor of XXXX because XXXX reported my package as delivered. They also failed to show evidence. I have cameras in my building and no packages were delivered for me. PayPal and XXXX are defrauding me, neither company has done anything to help me PayPal says they protect consumers, thats why I use them to pay for things, but they dont follow through with their promise. Their are tons of complaints about PayPal doing this on XXXX and other sites and they have no oversight. They need to fulfill their promise to insure items bought using their services. XXXX customer service said there was nothing they could do, nor would they process a chargeback. The PayPal customer service rep told me to contact the government about this! So that is what Im doing? PayPal closed my case, saying I didnt respond to their request for more information about the item not received. But I did respond to their inquiry, and even attached a police report about the item not delivered. This is information that PayPal asked me to give them. So, they arent going to refund my money for me? I suppose this costs them money, that is why they always side with the merchant? I attached a screenshot showing the information, as well as the police report. PayPal also promised to get in touch with me again about this, but they did not. XXXX XXXX XXXX customer service promised to contact me again about the package, and they have not either. Every time I call to complain, they say the same thing. | ||||||
| 06/05/2021 | Yes |
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| I am a small business owner. I used PayPal as my on-line point-of-sale. In XXXX, they froze my account with my money in it ( {$21000.00} XXXX with no notice or explanation. When I inquired, they could not explain why the account was frozen, but said my money would be released in six months. No details were given despite my persistent questioning and I was not requested to provide any documentation Six months later ( XX/XX/21 ) I called to check on the status. The {$21000.00} in the account had been transferred out, directly into PayPals corporate offices account. They could give me no details as to why this money was being taken from me, will not provide documentation to explain my apparent fault, and will not provide a supervisor to elevate my inquiry to, or refer me to any department to pursue this. They will not provide a ticket number to pursue this as they say the case is closed. Their only statement is that I am in breach of their user agreement, and that this situation typically involves drugs, nudity or weapons. As a respectable business woman, I am horrified at these accusations. I am a XXXX XXXX ( XXXX XXXX. ) and have my practice in XXXX XXXX. My clients refill their recommended supplements through my on-line store and thus PayPal. These supplements are from professional line manufacturers, and as such are high quality. This also means that they require my store to be password protected so that only my clients can purchase them. Each of these clients I know personally The {$21000.00} they have taken from me came to me as many small purchase transactions from my clients. I had been using PayPal as a payment gateway for many years, without a single chargeback or complaint. I have repeatedly called them with no success I have filed a complaint with the XXXX and California Attorney General XXXX am in the process of writing my Congressman & the CEO of PayPal In my research, I see that this situation has happened to many others for many years, and most fail to get their money back. I believe this is an injustice on the part of PayPal that needs to be resolved not only for me but for other customers. I do not know of any other business that can just take your money without due process, providing documentation, or at least a verbal explanation as to why, with no opportunity to correct their information and the issue. | ||||||
| 01/19/2017 | Yes |
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| It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money. | ||||||
| 11/21/2023 | Yes |
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| Hello, I wanted to report Paypal for harassment. They keep assessing a claim on my closed XXXX for {$180.00}. I keep calling to get this reversed, but PayPal is continuing to put this charge on my account. During the summer, I opened a Paypal XXXX account ( there was an incentive ). It was advertised to me because I had a regular paypal account that I used to make purchases. I made some purchases on the card and paid off the purchases, as i always do. Then, on XX/XX/XXXX, there was a charge on my card for {$180.00} that I did not make. I reported this transaction for fraud and it was reversed XX/XX/XXXX. On XX/XX/XXXX, PayPal reassessed this charge of {$180.00} on my account. I called customer service and reported the charge again. They said there was an error made by the first agent and so it was handled by the wrong department. Today, I spoke with the investigations department for XXXX XXXX, and it was confirmed that my XXXX was closed on XX/XX/XXXX ( but as I remember it, I had closed it beforehand ). Sometime during the summer, I believe I had also reported the card as lost or stolen and locked the card to prevent any further transactions but I can not remember when this occurred. After, the charge reappeared on my *closed XXXX , in the amount of {$180.00}. Again, I called XXXX XXXX and had the transaction reported for fraud. I never authorized PayPal to charge my closed XXXX. This amount was reversed on XX/XX/XXXX, as promised by the representative. Then, on XX/XX/XXXX, an amount of {$170.00} and ( {$18.00} ) ( for an interest charge???? ) was made on my account. I called again today to have this reversed, as soon as I had noticed. PLEASE help me put an end to this. I have made multiple phone calls, and spoken to multiple agents, from Paypal and XXXX XXXX. I don't want any more charges on my account or to pay for a transaction that is not mine. I asked for written confirmation to prove that this charge would not reappear but they refused to issue such a document. I can supply all the statements, proof, or documentation that I have or that I can reasonably access. All their calls should be recorded. I placed all my calls from my cell number. Please, please help me put an end to this harassment. I have done everything in my power to get this resolved but I have not been successful. Thank you. | ||||||
| 02/27/2023 | Yes |
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| This is the same complaint but I realized without the reference number I would not get a response. Please note that I'm resubmitting this complaint now with the Pay Pal Reference ID from PayPal ( Ref ID - XXXX ) I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. I started an XXXX XXXX XXXX on XXXX XXXX in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the XXXX pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future. Thank you for your time and consideration. Sincerely, XXXX XXXX Paypal account XXXX, XXXX Ref ID - XXXX | ||||||
| 02/01/2023 | Yes |
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Web | Servicemember |
| Hi, I am reaching out, because I recently just moved to XXXX XXXX for XXXX XXXX. I never had a Venmo account prior to this incident, and honestly would never use their serves again. I only created an account because i was told by other students, this was a method that one uses to pay bills. With us not having access to a XXXX XXXX, XXXX XXXX, XXXX, etc are very convenient tools. I sent money to the owners property manager for my current apartment. Venmo froze my funds and suspended the property managers account, when he tried to refund back the {$4000.00}. The property manager attempted numerous times to refund the {$4000.00} back. However, Venmo suspended his account and requested documentation in order to release the hold. The requested documentation was sent as requested, however the hold and suspension is still active. This is very strange to me because the property manager was only trying to refund my money back into my account. If he was trying to deposit the funds into his account and Venmo was trying to protect its customer by trying to insure the funds were going to the right person. Then, I could see a reason for the funds being placed on hold. Even if Venmo was trying to make sure the merchant paid taxes because he reached a certain limit. Then, placed the funds on hold prior to him depositing the funds into his bank account. I could understand that, but this is not the case because a serve has not been rendered. I truly feel robbed by Venmo. This whole ordeal feels odd, I never had a financial entity play with my funds like this. Venmo has two parties willing and waiting to return funds ( as Venmos return policy states ), and shockingly there is still a problem. Im frustrated and in disbelief, because no service has been rendered and Venmo has still held on to my money. The fact that I had to pull another {$4000.00} out my bank to pay my apartment deposit ( via another method ) has truly shown me I am not a valued customer. I am a XXXX XXXX XXXX who can not work because of the demand of XXXX XXXX So, to be having to be place in this position is unsatisfactory. Venmo has shown me the company is a fraud, they are not protecting their customers. If anything we need protection from it. I will be filing a complaint with the Consumer Financial Protection Bureau also, because no one should have to go through this. | ||||||
| 03/13/2021 | Yes |
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| iam new account to binance. i sold XXXXusdt ( value of XXXX ) to a " verified merchain '' in XXXX on XXXX. XXXX transaction was hold, but than soon removed. everything seems fine, and i release the coin. XXXX XXXX after the crypto is released, the buyer claim that he never received the item. " Your buyer filed a claim. The buyer stated that they never received the item. Please help us to resolve this issue by logging into your Resolution Center and providing us with any information that can assist us with our investigation. Please understand that until our review is complete, we will hold any funds associated with this transaction. XXXX XXXX has requested a refund of XXXX EUR. Transaction Details Case number : XXXX Transaction date : XXXX XX/XX/2021 Transaction amount : XXXX XXXX Your transaction ID : XXXX '' XXXX XXXX the case is closed " We've closed this case Transaction details Case ID XXXX Buyer 's name XXXX XXXX XXXX XXXX email XXXX XXXX 's transaction ID XXXX Transaction date XXXX XX/XX/2021 Transaction amount XXXX XXXX Your transaction ID XXXX Dispute amount XXXX XXXX '' XXXX XXXX the buyer has changed the reason for this case. The buyer stated that they did not make this purchase. XXXX paypal decided the case in my favor " We've decided the case in your favor If there was a hold on this transaction, it has been removed. '' XXXX the case is opened again after decided for my favor. We're writing to let you know that a payment you received was reversed by the sender 's financial institution. Although we're required to return the transaction amount to the sender 's financial institution, we don't debit your PayPal balance if the transaction is covered by PayPal Seller Protection. We'll accept any documentation that shows the shipping date, the shipping address, and official acceptance ( like a postmark or receipt ) from the shipping company. Proof of delivery is an acceptable alternative to proof of shipment. XXXX paypal decided that Transaction not covered by PayPal Seller Protection We completed our review of the case outlined below. Unfortunately, we are unable to reimburse you because the transaction was not covered under PayPal Seller Protection for the following reason ( s ) : We were unable to verify the delivery information you provided. and my account was charged for negative for no reason. | ||||||
| 01/13/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I utilized PayPal as a payment device to buy plane tickets online for a family trip. The following day I contacted PayPal again and asked them to cancel those tickets because I was then under the impression that the company that I bought the tickets from was possibly fraudulent. PayPal told me that they would refund my purchase price in full, {$860.00} worth, to my account within 3 to 5 business days. After eight days I contacted PayPal again and asked them why I had not received my refund? They told me that it had been issued on XX/XX/XXXX, however, my bank does not show an inflow of refunded money until XX/XX/XXXX from PayPal. On XX/XX/XXXX I contacted my bank and asked them to review the transaction as fraudulent XXXX I had not gotten a refund. Instead of putting the transaction on hold during their discovery they instead put a stop payment on the transaction and fully refunded the money to my account. On XX/XX/XXXX PayPal also refunded the money in total effectively doubling my bank funds. That would otherwise be considered a windfall, however, PayPal then reported that I now had a negative balance on my PayPal account and demanded a reimbursement of the monies that they had sent to me. As of today I have spent over five hours on hold or awaiting someone to respond via PayPals voice response callback system and/or their chat application. All attempts that I have made to reconcile the account via the links and tools that they have provided online, all of which are linked to my bank account and my credit cards results in an error. Every attempt I have tried to make since XX/XX/XXXX to talk to a representative about the problem results in either being transferred to a department that cant handle the problem, or, being hung up on during the transfer. Every day I get messages from PayPal telling me that I need to reconcile this problem but the only available tools outside of attempting to get an agent on the phone is via their web application. Since my account went negative with PayPal they have locked me out of my account and are forcing me to attempt to pay this debt by charging it to a consumer credit card thereby inflicting me with a cash advance fee. I have the money to pay them, I want to pay them, but, they have made it impossible to pay them without incurring a fee for it and that is simply predatory. | ||||||
| 09/06/2023 | Yes |
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| Dear Sir/Madam, I am writing to file a formal complaint against Venmo, a financial service provider, regarding an ongoing issue that has severely impacted my ability to access and use my Venmo account. Despite numerous attempts to seek resolution through Venmo 's customer support, I have not received satisfactory assistance or a clear path to resolving the problem. On XX/XX/2023, I encountered a persistent and recurring issue with my Venmo account. Specifically, I received a " 0Auth Exception Error '' while attempting to access my account and perform various transactions. This error has not only disrupted my ability to make payments but has also caused significant frustration and inconvenience. Upon encountering this issue, I promptly reached out to Venmo 's customer support for assistance in resolving the problem. My ticket numbers are XXXX and XXXX. In my initial contact, I explained the situation in detail and provided all necessary information, including my account details and the specific error message received. However, the response I received from Venmo 's customer support was far from satisfactory. Their only advice was to " wait for 24 hours and try again. '' When I inquired further about what to do if the issue persisted after waiting, I was simply told to " wait again. '' This lack of clear guidance and concrete steps to address the problem has left me feeling frustrated and unsupported as a Venmo user. I have diligently followed Venmo 's instructions, waiting as advised, but the issue continues to persist. This issue has had a direct impact on my financial transactions and has caused undue stress and inconvenience. It is my belief that Venmo has failed to fulfill its responsibility to provide adequate customer support and resolve technical issues promptly. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Venmo addresses this issue promptly and provides clear, effective guidance to users facing similar problems. I am hopeful that your intervention will lead to a swift resolution of this issue and prevent other Venmo users from experiencing similar frustrations. I appreciate your attention to this matter and look forward to a prompt response. Thank you for your assistance. Sincerely, XXXX XXXX | ||||||
| 04/07/2021 | Yes |
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| On XX/XX/2021 I sold a working rare XXXX XXXX XXXX XXXX game on XXXX to the scammer XXXX XXXX WITH PAYPAL for the amount of {$200.00} he got the package on XX/XX/2021 and said nothing until XX/XX/2021 that is 24 days later. He then made the false claim that I sent him a broken disc and he was 100 % sure that the disc was broken because of the scratches on the disc. On the listing page I disclosed that the disc had scratches. I then told XXXX that the XXXX XXXX is almost 30 years old and the drives are failing left and right and provided him links of other people having issues to show this fact. XXXX still insisted that I sent him a broken disc. I then asked XXXX to put the disc in his cd drive to verify that the disc was broken and not his XXXX. XXXX then said the following if I tried what you recommended but unfortunately I can't try that because I am an XXXX user and my current device does not incorporate a CD/DVD drive. He then declined my partial refund offer and made a case with XXXX on XX/XX/2021 Where XXXX then sided with his false claim that the disc was sent broken. They XXXX then forced me to accept the return by providing XXXX with a return label with out my approval. Then on Monday XX/XX/2021 the disc arrived at my house and I filmed me oping the package up and putting the cd into my disc drive and using software to analyze the disc to see if XXXX was telling the truth or not The software was able to show 0 read errors and was able to dump the disc. THIS MEANS THAT XXXX XXXX LIED TO ME AND XXXX TO GET A REFUND WHEN MY POLICY IS NOT TO ACCEPT REFUNDS AND FALSELY CLAIMED THAT THE DISC WAS BROKEN WHEN IT WAS NOT!. PAYPAL AND XXXX THEN SIDED WITH XXXX AND STOLE {$190.00} FOR RETURN FRAUD. I THEN CONTACTED BOOTH XXXX AND PAYPAL AND TOLD THEM THAT I HAVE BEEN SCAMMED AND I WANT MY {$190.00} BACK THEY STILL SIDED WITH XXXX THE SCAMMER DESPITE ME HAVING EVIDENCE THAT THEY NEVER ASKED FOR AND GOT. IN FACT THEY LIED TO ME AND SAID I WOULD GET AN EMAIL TO PROVIDE THE EVIDENCE TO PROVE THAT THIS IS RETURN FRAUD. I THEN GOT AN EMAIL FROM XXXX DATED XX/XX/2021 SAYING THAT I LOST THE CASE AND XXXX WILL GET THE STOLEN MONEY AND THAT MY APPEAL WAS REJECTED DESPITE ME NOT BEING ABLE TO GIVE XXXX OR PAYPAL EVIDENCE. THIS CASE WAS REPORTED TO THE FBI THE CONNECTICUT ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION FOR FRAUD. | ||||||
| 09/07/2020 | Yes |
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Web | Servicemember |
| Paypal online message exchange below indicates the issue : PayPal XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. If I can't help, I'll transfer your message to an agent. XXXX XXXX XXXX Transfer message to agent PayPal XXXX XXXX Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX XXXX Yes PayPal XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX XXXX XXXX Do not ever make changes to my account payment or opt me in for " other '' payment services such as XXXX XXXX You points which you did today in an e-mail I received. This is wrong. XXXX XXXX Hello! My name is XXXX and welcome to PayPal XXXX! I can see that you are contacting us because you do not want us to make changes in your account. I apologize for the inconvenience. I understand that you receive an email notifying that you can now use your XXXX Thank You points. Rest assure that there will be no changes that will be on your account and we do not do it without your authorization. The message you receive is simply to notify that you can use your XXXX point in making a purchase. Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. XXXX XXXX XXXX Thank you for your rapid response. I do not agree with it, and request Paypal not link into my account other payment methods. According to a review of my account today, an alternate payment methods on my linked XXXX credit card showed I could make payments with points using that credit card. Since the linked in option showed how many points I had with that credit card that could be used, unauthorized financial information was exchanged between XXXX and Paypal without my agreement. Your reply does not indicate Paypal will stop doing this, so I am taking additional action. Please reconsider what you are doing in this matter. | ||||||
| 12/07/2020 | Yes |
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| I have been receiving emails from " PayPal '' over a span of months saying there have been " suspicious activity '' regarding my account and that my account has been frozen. I have not used my PayPal in a very long time and it is connected to a bank account I no longer use in a different state. Needless to say, I tried to log into my account to see if there are suspicious charges. I checked my bank account and saw nothing and also tried to login to PayPal and the login screen kept refreshing and popping up. I couldn't get into my account so I tried to contact their support and could never get ahold of anyone. Because nothing was coming out of my bank account I disregarded it since there is no money in it anyways. I just got an email today saying that my account has been sent to collections ( PayPal logo on it, along with a new help number to contact on the bottom ). Called the help number to PayPal and all of a sudden they answer. I explained to them I have been trying to get ahold of someone for months and they told me my account is locked and would not lift the lock until I called another number. I called the number and it sent me to the collection agency. They asked from a auto system for my social security number or the case reference number ( which was never given to me in the email ). I was on hold for 30 minutes and I told them I'm not giving my social security number. They asked for the last 4 digits and I said no. They asked for my current address and I said they don't need it. I told them I wasn't paying anything until I got into my account to see the fraudulent charges in person and a paper trail and they said " PayPal has not sent any paperwork to us '' and the more I asked for proof or a paper trail they then said to not worry about anything anymore. They stopped all charges from my PayPal and that I didn't owe anything anymore. None of that made any sense. Not only this. The first time I tried to contact PayPal was when I got an email notification of a receipt saying someone used my account to purchase a XXXX dollar XXXX XXXX XXXX. Which I have no record of. Which is obviously a ploy to have me contact these people. These companies not only stole PayPal logo and pretended to be PayPal but they even have people over the phone pretending to be their help service which isn't the numbers listed on PayPal. | ||||||
| 04/16/2018 | No |
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Web | Servicemember |
| Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX. On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX. On XX/XX/XXXX, XXXX sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}. On XX/XX/XXXXwe called XXXX to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor. On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ). We continued to work with XXXX and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer. | ||||||
| 08/06/2022 | Yes |
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| THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them. | ||||||
| 05/17/2016 | Yes |
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| PayPal Credit sold my debt to a debt collection company called XXXX with the following company email address - XXXX without notice. Both Paypal and XXXX XXXX company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. XXXX of the agreement. Paypal also violated section XXXX of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in collection. Before I could send any disputes, the account was placed with the collection agency and the notice the collection agency provided did not provide any information on how to resolve the issue except pay them money. The debt collector associated with Paypal violated the law. Specifically, What does the debt collector have to tell me about the debt? Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws. | ||||||
| 11/27/2022 | Yes |
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| I'd like to report Venmo for a " bait & switch '' promotion to get consumers to open new Venmo accounts ( probably directed at current PayPal users ). I have received, and turned-down, many offers to open a Venmo account for a {$10.00} credit ( e.g. have a saved email offer from XX/XX/XXXX ). On XX/XX/XXXX I finally " bit '' after receiving a solicitation for new Venmo members only, to open a Venmo account stating you would receive a credit of between {$10.00} to {$500.00}. The official rules called it a " sweepstakes '' and just require that you sign up before XXXX, XXXX and they needed a phone number, and your " payout '' would arrive within 30 days. ( When I first signed up I didn't even realize it was a sort of " sweepstakes payout. '' ) After I signed up my Venmo account was ( is ) live but EMPTY. On XX/XX/XXXX I got a followup email wanting to verify my e-mail ( which I had done in order to open the account in the first place ). On XX/XX/XXXX Venmo e-mailed again stating I was " almost there '' and now they wanted me to link a bank account! I wrote their customer service to complain and advised I had not received any credit XXXX On XX/XX/XXXX they e-mailed me another solicitation to accept a {$5.00} credit stating " It's been a while, we miss you '' and to show our appreciation accept this {$5.00} within 2 weeks or it expires. I did not accept that. I now see that the official " sweepstakes rules '' state if you accept any intervening offers from them it voids their {$10.00} to {$500.00} offer. Seems like a classic " bait a switch tactic. '' I wrote to Venmo customer service to complain I had not received what I had been promised to open an account with them on XXXX, XX/XX/XXXX & XX/XX/XXXX. At no time did they say I didn't fulfill all the offer requirements nor that they needed a bank account to be linked ; They always said to be patient and it would take about 30 days to see the $ arrive in my Venmo account. Baloney! I have received nothing but " lulling letters '' from their customer service ( I saved all these email communications in my XXXX account. On XX/XX/XXXX I told them I felt they had misled me to open this account and that the CFPB " frowns upon '' this sort of thing to get consumers to open new accounts and if they didn't remedy the situation I'd file a complaint with the CFPB ( XX/XX/XXXX ). | ||||||
| 01/11/2017 | Yes |
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| I bought XXXX EBAY gift cards around XXXX XXXX to XXXX XXXX : Details given Below : Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. The gift cards were purchased at EBAY website from seller PAYPAL. EBAY and PAYPAL were owned together at that time. These gift cards could only be used at EBAY.com and nowhere else. I have proof of purchase emails available and furnish as necessary. All these gift cards have been fraudulently used by someone and zeroed out. EBAY Fraud detection team acknowledged that but they are not helping me further at all in recovering the {$800.00} or any part of it. I want the answers to the following questions : Which ebay users registered in which countries used these gift cards? I want the user 's verified addresses and names so that I can raise a civil lawsuit against those people. What is the action that EBAY has taken against these users for using my gift cards? What is the transaction history of the gift cards? What are the fraud prevention measures that EBAY took before people trying to redeem my gift cards? How many gift card balances did those user ids check before trying to use my gift card? How long those user ids are active and are they still active? How many of these gift cards are being fraudulently used everyday? I did not buy these gift cards from third party but their erstwhile sister company Paypal and from EBAY 's website. If Ebay can not safeguard the gift card usage by people, then they should have a fiduciary responsibility to stop selling gift cards everywhere. It seems like ebay condones people from stealing gift cards of others without punitive action. I need more answers than a cookie cut and paste response. Could you please help taking my case up with EBAY to get all these details? Also, could you please help me getting my money back from EBAY? | ||||||
| 05/02/2022 | Yes |
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| On XX/XX/2022 I received an email at XXXX XXXX from PayPal indicating there was suspicious activity on my account and I also received an email for a receipt for a transaction equal to {$7500.00}. I immediately logged onto my PayPal account ( I did not click the links in the email but actually opened the website on my computer ). I opened a case about the transaction and disputed that it was an authorized transaction. Since it was such a large amount of money I also immediately called PayPal and they assured me that if I was hacked it would be unauthorized and I would get my refund. I also called my bank and asked them to freeze my account which they told me I could not do. I did not pressure my bank on this because I assumed there was no way my transaction would come back as authorized. When I woke up the next morning I checked my email and saw my case was resolved. PayPal had decided it was an authorized transaction. I immediately called and asked how they could possibly say that was the case and they told me they saw no signs of me being hacked. I asked how that was possible and that they were the ones who alerted me to the suspicious activity and they told me that it was an authorized transaction. The transaction was paid to a XXXX jewelry company and to be shipped to a XXXX address. I called PayPal back and they told me the only thing I could do was change by case to be a item not received case and if the transaction was not legitimate there would be a high chance I could get a refund still. They also told me I could try contacting the merchant and see if they could cancel the transaction. I did try contacting the merchant and the phone number they had listed did not exist. I called PayPal back the next day and said that I suspected they were a fraudulent company and that they were just the place the hacker transferred my money to. PayPal assured me that if that was the case there would be no way they could provide the information needed to dispute my case of item not received. Now I am waiting while they review the information that the merchant provided them and have a suspected resolution date of XX/XX/XXXX. Regardless of the outcome the fact that PayPal detected what was a breach of my security and still decided that I was not hacked and I was not protected makes me very distrustful of them ever again. | ||||||
| 07/24/2020 | Yes |
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| PayPal has been deceptive in their fees. I have been selling items on XXXX, and PayPal charges the shipping fees, as well as holds the profits from the sale. PayPal is charging BOTH my PayPal account and my checking account for shipping fees associated with selling my items on XXXX. I've contacted both XXXX and PayPal numerous times, particularly in the Month of XXXX. XX/XX/XXXX was the last day of the conversations with PayPal and XXXX. Both companies should have our conversation history with dates. Both XXXX and PayPal kept giving me the runaround -- saying it was XXXX XXXX fault -- and vice versa. Furthermore, when I try to sell items on XXXX -- it asks me to chose the method of payment. If I select PayPal -- the ONLY options PayPal gives me are my personal checking/credit accounts. I want PayPal to be the payment method -- not my personal accounts, and certainly not both accounts. I finally -- on my own -- discovered how to stop the bleeding on future transactions, but I still have ten transactions that are owed refunds. The way I figured it out was to go into PayPal, find automatic payments. There, you can see my checking account is associated with my paypal account and ebay account -- this is where I was double charged. I clicked to deactivate this automatic payment -- then started a new automatic payments with PayPal only -- not linking a checking account. Now, when I sell on ebay -- it directed me to Paypal, and the only option for automatic payments was PayPal, and not my personal accounts. This seems to be an obvious UDAAP violation. The amount of runaround I received from dozens of representatives from PayPal and XXXX was absurd. I asked to escalate the issue numerous times and nothing was done. Here are the transactions with dates and cost that still need resolution ( my name redacted with X ) : XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} | ||||||
| 07/07/2021 | Yes |
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| On XX/XX/2021 I created a Venmo business profile, after Venmo advertised that I could sign up for a business profile and make and send business payment for 30 days with " zero fees ''. I am a California-licensed certified public accountant ( CPA ), and my business is bookkeeping and preparing tax returns. On XX/XX/2021, a business client ( also based in California ) sent a payment of {$1200.00} USD to my Venmo business profile for bookkeeping services. I have not performed any other activity on my Venmo account. On XX/XX/2021 I received an email from Venmo stating : " Your Venmo account has been frozen due to recent activity that triggered some security alerts. Please contact us by replying to this email if you have any questions or want to reactivate your account. '' The money my client paid me is trapped in limbo. I can not transfer it to my bank account and I can not return the money to the client. I also can not perform any other activity. As instructed in the email, I replied to contact Venmo. However the only response from Venmo was an automated email with links to forums that was of no help. I then resorted to the app and found an option to chat with support. After getting the run-around from chat bots for 20 minutes, I was able to connect to a, supposedly, real person, who promptly stated they could not assist and transferred my chat. 10-20 minutes later, I was connected to another supposed human, who also stated that they could not help me or provide any additional information. They informed me that the team that can help will contact me via email within 48 hours. There is no phone number or email address to contact this " team '' - I have to wait and watch for them to initiate contact. Today is XX/XX/2021. After 3 weeks, my money is still trapped in limbo. I can not return the money, I can not use the money, and I can not get a straight answer. I would warn anyone to avoid using Venmo because they can, for opaque reasons, cut you off and do real harm to a business that relies on them for their livelihood. Additionally, the advertisement for zero fees is practically a false advertising scam, because the first time I tried to transact my legitimate business with them, it locked my account and by the time it ( hopefully ever ) gets resolved, the 30nday XXXX fees window will be long gone. | ||||||
| 10/19/2020 | Yes |
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Web | Older American |
| 1 ) Your payment on XX/XX/2020 is pending One of your payments is pending. Amount : {$57.00} USD Transaction ID : XXXX Recipient : View the details of this transaction As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. One of the payments that you sent is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. 2 ) Your PayPal account is temporarily limited Dear XXXX As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$57.00} for, " Happy Birthday : May they all continue being raised according to the ways of the XX/XX/XXXX. '' Please provide the following information : An explanation of the reference to " the ways of the XXXX. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email compliancetransactions@paypal.com. We thank you for your prompt attention to this matter. We apologize for any inconvenience. Sincerely, XXXX PayPal Compliance Department 2020 PayPal , Inc . The reference to " ways of XXXX '' is a religious reference for the XXXX XXXX. It was a message wishing my grandchildren be raised to be good XXXX. The purpose of this money was a birthday gift. MY RESPONSE 3 ) If my account is not unlocked immediately and the payment does not go through as a birthday gift to my daughter, as was my intention, I will be IMMEDIATELY filing a complaint with the CFPB for religious and prejudiced discrimination | ||||||
| 06/30/2022 | Yes |
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| On XX/XX/XXXX I made a purchase of 5 pairs of high heels from a XXXX based company using Paypal for {$330.00} The company had a return policy of 30 days from date of receipt and they would provide a return label. See the policy here : XXXX XXXX XXXX On XX/XX/XXXX I received the heels and had a professionally trained ballerina try one shoe on and they were so defective she could not stand. The balls were not flat, the construction was not stable, the shoes were completely unuseable without significant risk of injury. In accordance with the return policy I emailed the company, they ignored me. I emailed again and was ignored. I emailed a third time and was ignored. I opened a case with Paypal. Paypal allowed the seller to violate its own published return policy and require that I pay between $ XXXX USD to ship the shoes back. I reviewed Paypal 's buyer protection program and its acceptable use policy. Paypal was allowing the seller to abuse their platform to force a dispute instead of honoring its published return policy so that it would not have to pay the return shipping. I explained this to Paypal and they said they refused to investigate the seller or file a complaint regarding the concerning abuse of the paypal money system to scam, mislead, falsely advertise and profit illegally from a US Customer. Paypal is required to abide by its user policies. Paypal is required to enforce its policies to prevent adverse impact on consumers. Paypal is facilitating illegal transactions by permitting XXXX sellers to violate its own terms of service and acceptable use policy. While I don't expect Paypal to resolve this matter, I do hope this complaint will spark an investigation into the potential illegal practices and complicity with illegal sales practices of its sellers. Paypal is profiting from my loss and profiting from the illegal use of its system by XXXX sellers and potentially other non us sellers that abuse its system to force exorbitant return shipping fees onto the shoulders of buyers. I purchased from this company after reading their return policy and feeling comfortable that I would not be responsible for return shipping to XXXX. Paypal is required to investigate sellers who abuse their system. Paypal also advertises buyer protection but clearly, Paypal is not following that policy either. | ||||||
| 02/27/2020 | Yes |
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| On XX/XX/XXXX I encountered someone who needed help because he was traveling without his wallet. His relatives wanted to send him cash but he had no ID. He had his uncle and another friend send me Paypal payments and I turned them into cash for him. Once I confirmed that the payments were in my Paypal, I gave him the money. I checked the emails carefully to make sure they were real and verified the balance in my Paypal account. A week later, Paypal started sending me messages that the charges were being disputed. I logged in and reported that I had given the cash to the individual and what had happened. I would not have given the cash if I could not rely on Paypal 's emails " You've Got Money '' and triple checked that I had the cash with no associated fraudulent transaction. Once I investigated later, I see that this is a common scam that Paypal is susceptible to. However, I do not have the fraud prevention department and other controls that Paypal does. It was unavoidable on my part and for Paypal to go after me instead of investigating the fraud and going after the sender or the fraudster is unfair to me. If Paypal does not have sufficient controls to detect unauthorized use of a Paypal account, that's not my fault. I relied on their email " You've Got Money ''. I relayed all this in my timely response to Paypal 's request for more information. I also relayed this to the collection agent at Paypal ( XXXX XXXX ) but she just wanted me to pay the bill. No one seems to be interested in the perpetrator ( I have his name and phone number ) of the fraud or the sending Paypal accountholder 's role in this. What is to stop XXXX XXXX and XXXX XXXX from simply claiming they didn't mean to send me the money? They may not be victims but conspirators. I have no idea but it's not on me to investigate when Paypal said " You've Got Money. '' I have attached one of the " You've Got Money '' emails, the collection email and a list of the disputed transactions from XXXX XXXX and XXXX XXXX. I also want to state that despite what XXXX from Collections states, just because the credit card charged back Paypal ( I have no evidence of this ) does not mean that Paypal can charge me back. I did not accept credit cards. I accepted Paypal and relied on their good word. I am not part of the fraud and I should not be the victim. | ||||||
| 11/04/2019 | Yes |
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| On Friday, XX/XX/XXXX, my sister received a refund from her school which she transferred to my bank account. The amount sent to me was in 2 transfers. One for {$1500.00} and the other for {$500.00}. I then transferred the money back to her via Venmo in 4 payments, 3 of {$500.00} and one payment of {$480.00}. We then went to XXXX and her Venmo debit card kept declining but she had more than enough money to make the purchases, so she sent the money back to me in the amount of {$430.00} and when I tried to make the purchase using my Venmo debit card the card declined for me also, so I tried to transfer the money back to my bank account and Venmo declined my transfer. So we went online to try and make the purchases and they kept declining. We think, at the time, that maybe its just XXXX processors because thats what the customer service agent told me could be a possibility because on their end there was nothing wrong with my account. So my sister went to XXXX XXXX website and bought a tv with her Venmo card and the purchase was successful so she tried to make another tv purchase for our new home and it then declined. She she sent me the money back for the tv in the amount of {$360.00} and we used my card to make the tv purchase with XXXX XXXX for {$180.00}. And it was successful. My sister then sent me 2 more transfers, one for {$120.00} and another for {$600.00}. Venmo has since then frozen my account for apparent violations of user agreement but when I spoke to a representative, the rep could not tell me which of these user agreement terms I violated and had no information about what was going on with my account. When I asked to speak to a higher up, she then told me that she could not transfer me to a higher up and when I asked to speak to their fraud department, she claims that the fraud department does not have any phones and is unreachable at all and that I had to wait for the email from the department which I received this morning claiming that because of these violations they have closed my Venmo permanently and that they will be holding my funds for up 180 days while they investigate the claims against me, although on Friday when I receive an email about my funds being frozen, I sent my state ID as proof of who I am. Venmo claims that they are also no longer able to assist me with this situation. | ||||||
| 02/28/2023 | Yes |
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Web | Older American |
| Inquiry/Complaint Description I have a Venmo account I haven't used in 2 years My friend sent me {$330.00} I went to transfer it out to my bank account and Venmo froze and Suspended my account. Venmo ask me to upload bank statement, drivers license, pic of my bank mastercard and Venmo also took out XXXX XXXX XXXX XXXX from my bank account and credited it back to prove and verify this is my bank account. I just got an email from Venmo after providing them all they ask for and told me they WILL NOT UNFREEZE my account. Venmo even sent me an email stating that my account has been Verified See Email : Sat, XX/XX/XXXX at XXXXXXXX XXXX venmo You verified your bank account! XXXX XXXXXXXX XXXX You can now transfer money to this bank account. This is the email I got today XX/XX/ stating they will NOT UNFREEZE my Account. See Email : XXXXXXXX XXXX ( Team Venmo ) XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Hello XXXX, My name is XXXX and your case has been escalated to me for further review. While we appreciate your interest in using Venmo, we are unable to confirm that you have direct access to the financial instruments on file with your Venmo account. Due to this we will not be able to unfreeze your Venmo account. If you wish that we review this case again, you will need to provide us with the previously requested information. You can submit that information using our Document Upload Form, linked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) Thank you for your understanding. XXXX XXXX XXXX. | Account Specialist | Venmo Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have done everything that they have ask me to do to prove this is indeed my account and they are refusing to unfreeze my account so I can get my money. I believe I am being scammed and now afraid they are going to use my info I provided to them for other scams and use for identity fraud. Please help me to get this resolved. Thank you so much, XXXX | ||||||
| 06/22/2020 | Yes |
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| XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a 501 ( c ) ( 3 ) nonprofit organization helping communities via health educational programs, job training and children sports. Prior to the 2020 pandemic, many parents had signed up their children for our sports program making payments via PayPal. Due to the force of businesses being closed, XXXX informed parents that their children spot will remain as we continue to comply with the pandemic allocated by the state of California. On XX/XX/2020, XXXX received a request from PayPal for a refund because one of the parent 's credit card company stated the charge was not authorized and requested {$130.00} and placed a {$20.00} charged back on XXXX PayPal account. This is in reference to PayPal Case ID XXXX. XXXX provided proof to PayPal revealing it is an authorized payment and we had informed parents refunds would be processed upon their request in 30 days due to lack of staffing. PayPal disregarded our request to refute false claim, immediately gave the parent credit card company {$130.00} and imposed a {$20.00} charge-back fee on XXXX then placed XXXX account in a negative status of {$150.00}. On behalf of XXXX, I made several calls to PayPal Collections department to gain an understanding, provided proof that the parent was aware of the charge and the process in place to refund any parents request, to no avail. To this date, every parent requested a refund has received it and proof could be provided. We attempted to refund the parent creating the above case, yet PayPal system will not allow it to happen without paying for a {$20.00} charge-back fee. As a consumer, we are seeking understanding how this situation is considered as a charge-back. And if this is allowed, meaning parents claiming false accusations and XXXX are imposed with a {$20.00} charge-back fee? If that is the case, something unethical is not right. A {$20.00} per person is not a lot of money, but when one multiply that by thousands and millions of false accusations, seems more like an unethical profit. XXXX is looking forward to your explanation and informing us if this unethical business practices are allowed. And if so, XXXX will appropriately inform parents of the consequences when making false accusations. Thank you in advance for your time. Best regards, XXXX | ||||||
| 04/10/2023 | Yes |
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| XXXX. Paypal holds money randomly for no apparent reason and is misrepresenting my credit situation which is worrying me that it will affect my credit that I have been working hard at rebuilding. XXXX. I was stuck in another state when my sister sent me money ( {$150.00} ) through Paypal. For no apparent reason, and she has sent me money before through XXXX, when they held it, stating that it would not be available for like 72 hours. I had to sleep in my car as I was stranded in another state ; and, despite numerous communications, Customer Service did not help me, telling me to stay near my phone. Mind you, that was becoming uncharged from me sleeping in my car. XXXX. I have been using Paypal 's Pay in 4 option for some time ; and, all of a sudden, it is no longer available to me. That is not the issue though. Paypal sent me several decisions, indicating that fraudulent activity is tied to my Pay in 4 and that I have late/NSF payments XXXX All of which is false. I have no fraudulent activity tied to my account and I pay my payments EARLY always. These misreprentations ( and, outright lies ) can affect my credit. XXXX. I call Customer Service and all I get is that it is an automated process ... Their response from a manual or something, and they never correct the errors, only telling me that there are no restrictions on my account or problems with my account. However, they send decisions with totally FALSE information. XXXX. Customer Service does not have a good handle on the english language, and does not understand what is being said to them. XXXX. It is interesting that Paypal always finds a way to get their fees. They do not put " holds '' or ask for extra documentation when it comes to them getting their fees. I But, put " holds '' on my money, ask for extra documentation, and give decisions with INACCURATE INFORMATION. XXXX. I have looked on the Paypal forums and this seems to be Paypal 's standard practice. Their is clearly some sort of computer " glitch '' XXXX n addition, they advise they do not have access to the decisions, which is very odd. I have repeatedly forwarded them to them though. XXXX.They let false invoices get sent to me routinely that I always forward to their phishig department, but for ones I generate that are real give me issues and when it is my money give me issues. | ||||||
| 05/21/2015 | Yes |
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| On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance. | ||||||
| 11/24/2023 | Yes |
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| Ive used Venmo, XXXX XXXX PayPal, XXXX and XXXX now for about 6 years. But Venmo is a regular online payment app that a lot of my customers end up paying me through. Well last week my regular customer went to send me what he owed me through Venmo and he has done that almost every single time, said it wouldnt let him sent it because my account wasnt accessible. So I looked and saw they froze my account. I got in contact with that multiple times and followed their instructions step by step and ended up sending them a copy of my legal drivers license. I was told within minutes that they received it and are reviewing it and should take long to be unfrozen. Its now been 4 days and I have had no response from them. Ive called 3 times just this morning because since they froze the account my cell phone was shut off and thats costing me an extra {$20.00} for the reinstatement fee. ( I was transferring money from my Venmo to my bank account to pay it ) and I finally got to talk to a normal human today and asked why it was frozen, ( XXXX ) told me that someone had tried to access my account, refused to tell me the region or the device used. If he would have I could either tell him, that was 100 % me personally or oh my XXXX, thank you for tracking that if it wasnt actually me. He kept interrupting me and when I told him to stop interrupting me while Im trying to explain things to you, he hung up on me. I called back and got through to another guy, ( XXXX ) tried to explain things and I asked if he could tell me why it was frozen, he says theres no possible way for us to see why it was frozen, only the account specialist can see that so I asked to have him transfer me to one and he said the specialists dont talk to the customers for any concerns so either him or XXXX XXXX straight to me. I then asked for his name towards the end of the conversation and he said Im not disclosing that, Im ending this call and hung up. Called again and got through to a lady and asked for the names of the last 2 guys I had been in contact with, she gave them to me. And I still have got no resolution for the issue they have caused me and still no email response, chat in the app response. Or anything! Absolutely 100 % HORRIBLE customer service and once its all handled I will NEVER EVER have anything in an account that involves Venmo. | ||||||
| 12/16/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I purchased a pair of XXXX XXXX through XXXX. The order number is XXXX. On XX/XX/XXXX I received a sealed, yet completely empty XXXX XXXX envelope with tracking # XXXX. The package weight was 1lbs or less, obviously and empty envelope. I contacted XXXX to file a dispute. They told me to send a message to the seller to try to resolve it. The seller responded and basically said they sent the item they aren't going to do anything to resolve the issue. They told me to file a claim with XXXX XXXX. I explained that wasn't acceptable. I contacted XXXX and explained the situation. They said they would get me a refund if the seller didn't resolve the issue by XX/XX/XXXX. I spoke with XXXX again today as I haven't heard back from the seller of the item and requested a refund. They now directed me to PayPal and said they can't help me and PayPal would need to take over from here. I contacted PayPal and explained my situation and that I wanted to reverse charges as I have been a victim of fraud. The first agent hung up on me when I asked for their legal department. The second agent I spoke to told me to file a police report and then MAYBE I could get a refund. I asked to speak to a manager and waited on hold for 26 minutes before I spoke to " XXXX ''. Nice enough guy, but still didn't do much to help. He just said to check back in 10 days. It's clear that this is a pattern of PayPal. They do not intend to help consumers with disputes or matters of fraud and instead try to make the consumer go through unreasonable steps after being taken advantage of. I'm sure they save millions by making consumers go through unreasonable steps as most consumers don't have the time or resources to complete the scavenger hunt PayPal puts them on. I called my local police department and they laughed and said there was nothing they could take a report on. There's no criminal law broken when someone sends you an empty envelope. They said its a " civil matter ''. So now, I am just a solo consumer trying to battle with two behemoth companies XXXX and PayPal. As they are both refusing to refund my payment I have no option but to eat the loss. Or file a smalls claims lawsuit which would cost me nearly as much as I am trying to get refunded. I am hoping the CFPB can help me rectify this matter as soon as possible. | ||||||
| 08/28/2022 | Yes |
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| Dear PayPal, I m here because and i wish get help for anybody who s can help me please. On XX/XX/2022, I contacted PayPal because for days I could not access my account. After a long conversation, the agent was able to locate the account and realized that it had been stolen. Even all the money had been withdrawn to a bank account that is not mine with terminal XXXX. In that same order, the PayPal Analyst opened a case with the following information : This account was stolen from unauthorized access since XX/XX/2022. The client 's account was hacked. the email address was added ( XXXX XXXX XXXX XXXX ) does not belong to the customer. On my end i tracked many different device was used ( os device and phone devices ) do not correspond to the client 's history, I saw multiple connection from VPN and I have tracked the IP and it does not correspond to the client 's history. Withdrawals made to the terminal bank account XXXX XXXX XXXX XXXX were not authorized by the client and this account does not belong to the client. All transaction has been reported with the case CASE XXXX and all transaction has been reported in the case too. CASE XXXX PLEASE REVIEW ALL TRANSACTION HAS BEEN UNAUTORIZED. XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$100.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2900.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1400.00} Get help to customer get a refund. So, all information was describe on the case, he told me many time VPN was used for login and other information was added too. After this problem my account was limited Reference ID : XXXX, I never had any dispute of my payment received, I never had any problem before, I always use PayPal in agree with all policy. XXXX Limitation ID : XXXX Case of unauthorized access and Transaction : CASE XXXX and Case XXXX | ||||||
| 08/02/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge. Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge. Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner. The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection. These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company. The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up. | ||||||
| 08/20/2021 | Yes |
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Web | Older American |
| On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal. | ||||||
| 01/22/2021 | Yes |
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| on XX/XX/2021 I used paypal to send {$120.00} to XXXX for the service of providing XXXX vendor spaces at an arts and crafts show. When I detected suspicious answers from her about the event I asked for her credentials and she immediately put a block up against me so that I could no longer contact her via XXXX in a group page called " XXXX XXXX XXXX ''. I researched the event and found that it was made up and not really an event at all. I had just paid her for XXXX spaces and she was pushing me to pay for a XXXX event as well. I immediately contacted paypal who told me they flagged her account as fraud and there would be a XXXX to 10 day investigation. But there never was. The next morning paypal said they did not find in my favor of the dispute based on the reason I gave. ( They only had XXXX boxes to check on and none of them were fraud. ) So I called and spoke to them again and they again said they would do an investigation but to not worry I would be refunded in XXXX to 10 days, but again, the next day they closed the case and said my reason does not meet the reasons they have listed. I explained it was fraud and they do not have a checkbox for fraud. Again they said it would be investigated and not to worry as they would hold her money till the XXXX and then it would be deposited back into my paypal account. Today is the XXXX and I have not received my money, furthermore they have blocked full access to my account saying I have suspicious activity. They are also being frauded by this person who stole from me. I do not know what reasons she is giving them but they are taking her word over mine. I also supplied them with the phony ad she had on facebook that she was using to steel, not only mine but my co workers and others throughout the state of florida. I am afraid to give paypal the personal information they are asking me for in fear that she will somehow get it or that this paypal agent is in on this scam with her. XXXX There are roosters cackling in the background on these calls to paypal! ) please help me. I have provided proof of all interactions with payments in the attached files. It is clear the individual posing as XXXX XXXX gave the paypal for an individual named XXXX XXXX, and that paypal ignored the facts is insulting and hurting to people in an already struggling economy, | ||||||
| 01/30/2019 | Yes |
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| My name is XXXX XXXX and I am being prohibited from disputing duplicate charges on my Paypal account. I have called in to the dispute department and Paypal consistently remarks that they are unable to verify my account after freezing my account for 24 hours and unfreezing it after I was asked to provide my passport, my social security card, and proof of my utility bill with my US address on it. I completed all these steps and have not since been able to dispute the duplicate charges on my account. Everytime I call in I am told I cant be verified after giving Paypal all my private documents. This is extremely frustrating as I have given Paypal extremely confidential information pertaining to my identity and the dispute department continue to treat me in a discriminatory manner and prohibiting my rights which I am entitled to under your terms of use policy which is the right to call in and dispute charges that I deemed are inaccurate. I need help with getting whatever block on my account removed in the dispute department so I can talk to someone about handling these matters as I have already reached out to the merchant to no avail. Paypal can not continue to tell me my account can not be verified when I call in to the dispute department when they have hold of all my confidential personal documents on file and I have the email to prove such submission and for goodness sake its these very same documents they used to unfreeze my account which is making no sense. I need a phone call from Paypal at XXXX as soon as possible to get this matter resolved. PAYPAL CAN NOT KEEP DISCRIMINATING AGAINST MY ACCOUNT JUST BECAUSE IM TRAVELING I INFORMED PAYPAL BEFORE I STARTED TRAVELLING ABOUT MY TRAVELS AND THEY CAN NOT KEEP DISCRIMINATING AGINST ME BECAUSE I WILL NOT ADOPT YOUR ACCOUNT CRITERION WHICH I HAVE THE RIGHT TO CHOOSE OTHERWISE. I HAVE THE RIGHT TO DISPUTE ANY TRANSACTION ON MY ACCOUNT AND PAYPAL DISPUTE DEPARTMENT IS NOT MAKING THIS POSSIBLE FOR ME TO DO AND PROHIBITING MY RIGHTS TO DO SUCH BY PRETENDING THEY CAN NOT VERIFY MY ACCOUNT THAT I HAVE SUBMITTED ALL MY CONFIDENTIALS TO AND PAYPAL NOW HAVE ON FILE. THIS MAKES MY 9TH EMAIL TO PAYPAL I HAVE WENT ALL THE WAY UP THE CHAIN REGARDING THIS MATTER AND I DO NOT PLAN TO STOP UNTIL THINGS ARE FAIRLY AND RIGHTLY DONE. Thanks, XXXX XXXX | ||||||
| 11/13/2023 | Yes |
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Web | Servicemember |
| Dear CFPB, I am writing to file a formal and detailed complaint against Venmo, a mobile payment service, for grave violations of privacy, potential breaches of consumer protection regulations, and possible infractions of Florida banking statutes. The following comprehensive account outlines the distressing issues I have experienced : Privacy Violation : Venmo consistently requested ID verification and mishandled my personal information, constituting a severe violation of privacy. Unauthorized Access and Hacking : My Venmo account was hacked in XX/XX/2023, bringing into question the efficacy of Venmo 's security measures and the protection of user accounts. Failure to Resolve Unauthorized Transactions : Despite reporting unauthorized charges, Venmo neglected to promptly address and resolve these issues, compromising the financial security of its users. Customer Service Concerns : During my interactions with Venmo representatives, I encountered unprofessional behavior, including representatives hanging up and providing conflicting information, significantly diminishing the quality of customer service. Potential Violations of Florida Banking Statutes : Florida Statutes, Chapter 655, Financial Institutions, governs banking activities in the state. Venmo 's actions may have run afoul of these regulations, necessitating a thorough examination. My Story : In an attempt to address these issues, I willingly provided Venmo with my ID, successfully verifying my identity. However, the unauthorized charges persist, and Venmo 's inconsistent responses have caused considerable distress and financial uncertainty. Request for Investigation : I kindly request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into these matters to safeguard consumer rights and hold Venmo accountable for any breaches of privacy, consumer protection regulations, and potential violations of Florida banking statutes. Supporting Documentation : Enclosed, please find supporting documentation, including communication records, ID verification attempts, and evidence of unauthorized charges. I appreciate your immediate attention to this matter and anticipate a swift resolution that upholds consumer rights and financial security, consistent with Florida banking statutes. Sincerely, XXXX XXXX | ||||||
| 05/12/2020 | Yes |
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| I made a purchase from a fraudulent company, XXXX ( XXXX XXXX XXXX ), using Paypal on XX/XX/2020 in the amount of {$99.00}. XXXX also claims payment is for item " XXXX XXXX Item 1 '' and uses a personal email address " XXXX '' for their paypal account . As soon as the order went through and I didn't receive email confirmation or the order, I emailed and called the seller immediately to no avail. I got a gut feeling being a fake website/ scam, I immediate on the same day of the transaction XX/XX/XXXX ( within couple of hours maximum ), logged a dispute with Paypal stating this to be scam. So they should stop processing the transaction, which they never did and proceeded without proper investigation to allow funds being transferred to the scammer. On the dispute with PayPal and XXXX provided a fake tracking number ( for a order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. I notified PayPal, that I have video surveillance in my house and do not show any deliveries from XXXX that day either. Again to no avail and no investigation. Paypal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. I have provided these to Paypal and they never investigated and closed that dispute either to no avail. XXXX XXXX XXXX # XXXX XXXX XXXX Additionally, The XXXX tracking shows delivery to someone else 's address within same city of an item of 10lbs weight. The item I purchase a basketball hoop weighs well over 120lbs as per description on XXXX, XXXX XXXX.. Paypal has done no investigation on its part and just closed the case without proper communication and investigation into this matter and also has not safeguarded buyer 's and has left them vulnerable to fraud/scam by still allowing these sites to operate on their platform. While talking to a customer rep at paypal he agreed that proper procedures need to be implemented and that I " will not lose a penny with Paypal '', but that has not been fruitful either. There's no buyer 's protection that paypal touts and is deceptive in its tactics. Their platform may be serving criminal money laundering activity and the do not perform proper KYC/EDD/CDD checks on their merchants. Transaction ID : XXXX | ||||||
| 03/11/2022 | Yes |
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| On XX/XX/2022, I meant to send {$15000.00} to my husband and soon realized it was not the correct recipient. I immediately tried to locate the contact information for the wrong recipient but there was no contact information available to me other than the messaging allowed within PayPal. I sent him the message that it was mistakenly sent to him and he acknowledged and asked if there was a reward for returning the funds. ( I have attached the messages ). It should also be noted that when I sent the funds there was no obvious contact info or phone number showing to verify it was the correct person. Also, it was very clearly shown that the funds would be coming from my bank account and as a back up from my XXXX card. There was nothing that stated it was being sent from PayPal first. ( Attached image ) I filed a dispute online immediately. However, on XX/XX/2022, I got a notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and upon logging into my PayPal account realized the dispute was not resolved. So I attempted to submit another online dispute. Then on XX/XX/2022, I got another notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and realized the dispute was not resolved again. I filed another online dispute and suspected there might be something wrong with Paypal 's system because each time I would hit the 'Submit ' button the page would not go to a new page but it would go to a different phase. I have attached a screen grab of the screen and it would stay this way indefinitely every time. Once I suspected it could be a technical issue, I called and filed the dispute. I was told to contact the wrong recipient and let him know what happened and to return the funds but there was no contact information available other than the PayPal messaging. The representative also said he would send a notice from PayPal. I messaged the person again and to this day there has been no responses. PayPal has now put a negative - {$15000.00} into collections against me and I believe that should be held against the person that admittedly took the funds that were not meant to be sent to him. Also, there is no contact information other than PayPal XXXX which he is not responding to and also I was not able to verify the account prior. | ||||||
| 10/31/2019 | Yes |
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| On XX/XX/2019 I purchased a XXXX on XXXX XXXX website Item ID # XXXX item description XXXX XXXX XXXX XXXX XXXX XXXX mm Space Gray Case with Black Sport Band XXXX. I immediately cancelled the sale on XXXX XXXX website within 2 minutes of the purchase. The seller never cancelled on their end. About 6 hours later that day I received a text message from Paypal 's fraud department asking if I authorized a transaction for {$340.00}. I responded No. The seller on XXXX XXXX site never cancelled the sale and tried to place the purchase through. The seller was notified that the sale was charged back to them. The seller then immediately began to harass me and sent emails via XXXX, stating that I should have never of submitted for a chargeback and that they would refuse to communicate with me going forward. They then went ahead and mailed me a package. A package that I have till this day for evidence purposes. It contained a broken XXXX TV remote and a charging cube. I immediately opened an investigation with Paypal and explained what had happened they told me not to worry they will handle it. I also contacted XXXX to explain to them what had happened. They both went ahead and opened investigations. After a few weeks went by I was notified by both XXXX and Paypal that they were ruling in the sellers favor. I asked how in the world could they rule in the sellers favor when there was clear fraud and extortion that had been committed by this seller on their websites. I then proceeded to place negative feedback about this seller on XXXX XXXX website. Within a day or two they had removed my feedback as to avoid any traces of my discontent. I made them aware that there was another negative feedback left by another consumer regarding the same seller regarding the same exact item that was there days before mine was placed. They then within the next day removed that negative feedback. If this is not a coverup then I don't know what is. I ask is the Federal Government going to allow consumers to be defrauded? Myself and so many other are being defrauded by these major corporations and they are protecting sellers that feed them enormous amounts of business so they can also extort on the side? I beg that you open an immediate investigation into this matter and that my {$340.00} be refunded to me immediately. | ||||||
| 09/08/2021 | Yes |
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| Hi, I've been a loyal PayPal user for about 4 years plus now. The other day at approximately XXXX on XX/XX/2021 I received an email from PayPal , stating that I was no longer able to conduct business with them and that my account was permanently limited along with the holding of my personal funds ( {$13000.00} ) for up to an 180 day waiting period. Now, If I was in the wrong or did anything that I wasn't supposed to or wasn't aware about, then I apologize. I simply did not know nor was I conducting any fraudulent or malicious activity with the company 's services. I am 100 % legit and have made all of my money legally and the correct and honest way. I'm a XXXX XXXX XXXX XXXX XXXX for music producers and I sell my services along with digital products as you can see within my account ranging from $ XXXX {$590.00}. The smaller digital products in the $ XXXX range and my XXXX services that you can see in transactions almost everyday for {$590.00} and you can also see {$290.00} which is a payment plan that most of students join in on. Also, I have a very clean seller history with them as well, my duration of time spent doing business with PayPal, I've NEVER had a single chargeback or any disputes opened on me with that account or with any customer, and if a problem DID arise, then I respectfully solved it by immediately issuing a refund to them clearing up any mishaps also which you can see on my transaction history as well. I simply just want to provide a great service and customer support to people. I've filed a complaint with the XXXX along with calling PayPal 's customer service line, and emailing PayPal 's VP 's, Execs, & even the CEO XXXX XXXX. I've also made a consumer protection complaint with the state of California where they're based out of, but still have yet to hear back from any of them. I do understand fully that PayPal would no longer like to do business with me and I rightfully respect their decision by all means. What I'm requesting from PayPal personally is that the holding of my funds can at least be lifted, so that I may gain access over my money that's been accumulated within the time period of conducting business with them. I am simply seeking a resolution that is fair and in the best interest of both parties and I hope that this problem can be resolved. | ||||||
| 07/11/2018 | Yes |
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| Hello, I sold an item ( Item # XXXX ) on XX/XX/2018 via XXXX and provided the correct tracking number ( XXXX XXXX ) to XXXX and the customer. After the sale, I received three frantic emails from paypal saying my tracking number was invalid. I logged in an realized the number was correct and needed no updating. I also realized that XXXX asks for tracking numbers not paypal. I called PayPal and was told that the number was valid but was being seen as invalid for some reason. XXXX was blamed for not transferring the number over correctly. XXXX instructed me to send my merchandise but PayPal froze the funds. I thought that once the item was delivered the invalid number glitch would resolve itself. I contacted PayPal and was told that XXXX was asking them to hold the funds and that a new rule stated that they could not manually release held payments. I called XXXX, XXXX flatly denied Paypal 's statements. XXXX denied holding funds or having rules against manual releases. Multiple excuses were given. 1. " It's a glitch that will be corrected if you update the ( already correct ) tracking number ''. 2. " XXXX is forcing us to hold your money '' 3. " XXXX transferred the tracking number over incorrectly '' 4. " A new XXXX rule prohibits us ( paypal ) from manually releasing funds. 5. We are not holding your funds. 6. " Just wait until XX/XX/2018 it will be released ''. I was calling them on XX/XX/2018. 7. We have no ability to transfer your call to a supervisor or an American agent. On XX/XX/XXXX I had an XXXX representative on the phone when I called PayPal. The paypal representative quickly realized blaming XXXX was not going to work so she removed the hold, after a very long wait. I asked her why the funds were held under several false pretenses, she stated that PayPal can randomly hold funds if they think there is a security risk. I don't understand the risk, if it was paid for and a valid tracking number was provided. I feel I was caught in a difficult spot. XXXX is telling me to ship paid for, trackable merchandise and PayPal is keeping the money and misleading me regarding the reason. I am expecting retaliation regarding my complaint. What I thought was an innocent glitch, turned out to be much more troubling. The behavior is both fraudulent and time consuming. XXXX XXXX | ||||||
| 03/02/2021 | Yes |
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Web | Servicemember |
| y husband sent me {$570.00} for bills and food Etc through venmo app I was promised it would be there XX/XX/XXXX XX/XX/XXXX came still no money then I received a email stating that they could not send me my funds to my account because they needed to verify who I was my identity so I gave him my driver 's license sent it via email cuz the only way that you can speak to these people through the account specialist Department which is who they routed me to supposedly is through email so I give them everything they need plus I also send on my social security card cuz they said that the ID may not work so I sent them that just in case they had everything they needed you have to wait 5 to 7 business days for anyone in that department to get back to you so I wait and I'll wait some more so I finally call back find a 1-800 number to their customer service department I called the customer service department and they tell me they can't help me that I have to go through the email that they sent me from the beginning and that that's the account specialist Department they say everything looks good they should be contacting you to release your money days go by call my email still nothing then I get an email saying that they froze my account because some crazy reason why they froze my account that they needed to my other account information so I give him my other account information and that still wasn't good enough so then my husband tried to call and they freeze his account also we tell them just give him back the money you know whatever now they're telling me that they are going through loss prevention and it's going to take another hundred and eighty days for them to decide whether or not they're going to release my money to decide whether they're going to release my money that money took him three minutes to send to me and have taken almost a month for me to even receive it this is absolutely unacceptable an absolutely ridiculous that they would even have somebody do this and for them to treat their customers this way this place should be shut down they are absolutely ridiculous and I've got all my emails to prove I've done everything I could to get my money thru them I know im not the only one that this has happened to they have over 1200 complaints on XXXX XXXX and I just need my money back | ||||||
| 10/05/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I dialed a number for XXXX XXXX to get help resolving my printer. XXXX to me, the agent I was connected to is not an XXXX employee, and he gained access to my computer to fix drivers any other issues stopping my computer from communicating with my printer. While he was supposedly fixing the problem, which took XXXX XXXX hours, ( and my printer was still not fixed, BTW ), he gained access to my PayPal account, and Banking accounts, and my XXXX account. He submitted a chage of {$1500.00} to Pay Pal, ( and they added a XXXX fee for the cash charge ) which was tied to my XXXX XXXX XXXX XXXX, and they authorized the payment as an authorized payment. I notified PayPal of the breach within 1 hour of the ended session with the indivual. They supposedly investigated, and are denying that this purchase was unauthorized, saying that this transaction was typical of charges on my PayPal account. I pointed out that I have NEVER sent cash to someone through PayPal or my XXXX XXXX XXXX, and have never made a purchase of such a large amount either. There is no address, no company name or telephone number for this individual, who's name is XXXX XXXX. There is also no explanation of services rendered. I also alerted my credit card company within XXXX hour and discontinued the card associated with the XXXX account. I am still waiting for XXXX XXXX XXXX XXXX to take the charge off my credit card, and don't know at this time whether this will be resolved. He also tried to transfer {$1500.00} from my savings to a debit card, which my banking institution XXXX XXXX XXXX XXXX did fix right away. I the set up all new accounts and numbers with my local XXXX XXXX rep. He then went to my XXXX account and charged 5 Reload cards, each with a value of {$200.00} so he could shop at will. 4 of them were cancelled, but one of the 5, valueing {$200.00} was charged to my XXXX XXXX XXXX XXXXXXXX card before it was cancelled. I am still waiting to see if XXXXXXXX XXXX will take this off as well as the {$1500.00} from PayPal I'm a senior living on a modest income, and really can't afford to pay these unauthorized charges and hope someone out there will follow up on my case. He gave me a tel # to call him back directly, and I actually have a name. Does anyone really investigate these cybercriminals?. | ||||||
| 09/13/2019 | Yes |
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| On XX/XX/XXXX around XXXX XXXX, I signed into my email account and saw two order confirmation emails from XXXX saying orders had been placed on my account. One was four a bracelet for {$0.00} and the other for screwdriver bits for {$4.00} using PayPal. The XXXX sellers are XXXX companies shipping from XXXX. I did not place these orders and I don't want the products. I immediately filed a fraudulent activity claim with both XXXX and PayPal - Dispute Case ID : XXXX for Transaction ID : XXXX. By the morning of XX/XX/XXXX XXXX received an incredibly surprising reply that after reviewing the {$4.00} transaction PayPal was denying my case and refusing a refund. My jaw hit the floor because I had previous to this placed a lot of trust in the PayPal money back guarantee and the safety of having my bank account information on file with them. I called the company at XXXX XXXX on XX/XX/XXXX to again assert my right to a refund for this fraudulent transaction that I did not make. I spoke with a young man that again denied my claim, saying that their review showed no unauthorized 3rd party access to my account ( They must have a pretty worthless process in place ). He refused to elaborate on the details of this determination except to say that whoever made the transaction knew my shipping address. I tried to reason with him the fact that XXXX and PayPal are essentially the same company and XXXX has my PayPal associated to the account, so if a fraudulent transaction is made by an XXXX seller, who may already have shipped to me on some previous transaction in the distant past then they might have that information. I assured him the transaction was fraudulent and that I had not even visited the XXXX site for a couple months. No amount of reasoning could prevail on this obtuse individual whose only apparent purpose with the company is to deny obvious fraud so as to avoid liability. In any case, it is ridiculous what they are putting me through over a {$4.00} fraudulent transaction. If they had any collective corporate brainpower they would just cancel the transaction rather than lose all the future transaction fee volume by alienating a good customer. I told them I would report them to the CFPB. I am a man of my word, which is more than I can say about the vaunted PayPal money-back guarantee. | ||||||
| 05/13/2021 | Yes |
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Web | Servicemember |
| I am asking that you address the issue with PayPal and assist me in getting my money back that PayPal illegally froze and kept without explanation. They charged XXXX? To an outside pay card for a subscription that I was in jail when this subscription was started. How do I start a subscription in jail? Additionally, how are they charging my card in 2021? When it's been over a year, and they never charged me any time during that year and then out of the blue they charged me XXXX? So why did they not charge me all year? They froze both accounts and gave no legal reason as to why they froze them. However, they took their fee and if they took their fee they acknowledged the legality of the transaction correct? So the XXXX XXXX dollars they processed as a payment from a service I provided to a customer. For them to charge the free was XXXX dollars? Something like that, but they didn't report the payment as an error the gentleman who called me tried to say that he felt the payment was incorrect and that I should explain to him or admit that it was illegal. It was not illegal and if it is not illegal then why freeze my payment and then my accounts? So could I please get your help in returning my money? They refused to reopen my money and the customer service representative refused to provide an identification number that would allow you all to address this issue directly. There is another payment XXXX dollars that was charged for a subscription that was cancelled and the card should not have even been on the subscription. So why charge me XXXX dollars for a cancelled subscription with a card I never used for that subscription and then they sent the XXXX contacts to XXXX where I no longer stay. The XXXX dollar subscription I never signed up for and was in jail. So that was illegal and all the money they took for that what is that? Also there is the issue with the PayPal credit card that was used in XXXX Florida at wood you furniture. So what happened with that? I reported it to PayPal and they started that I couldn't get the card cancelled and I couldn't use the credit but it was on my credit report so someone fraudulently used my name to steal credit or money. I been dealing with the identity theft for all of my life and most recently in the last three years I felt the effects brutally. | ||||||
| 03/23/2021 | Yes |
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| On XX/XX/XXXX at XXXX XXXX MDT I sent {$150.00} as an instant transfer to a friend to help with an emergency expense. The money was not received in the time quoted for the transfer, instead sitting in a pending state. On XX/XX/XXXX I contacted PayPal customer service via chat through their website to inquire about the delay. I was informed that the " Instant Transfer '' had instead been sent as an " E-Check '' resulting in the delay, and that the money would be available to the recipient on XX/XX/XXXX. On XX/XX/XXXX I see the money still pending. I check my bank account activity for the money I sent to see that the transaction was no longer an authorization hold and had posted to my account on XX/XX/XXXX, so I again contact customer service, this time via phone. When I finally receive a callback to speak with an agent I question why my transfer was sent as an " E-Check '' instead. I am told that there are several reasons why this can happen : declined/disputed transaction, ensuring funds being available in account for amount being sent, PayPal viewing transaction as a " risk, and multiple login attempts. '' I haven't had any declined payments through PayPal, and the debit of funds from my account for the transfer had fully posted. I have been using my PayPal account to send and receive money in amounts excessive of {$200.00} since XX/XX/XXXX, and I accessed my account via mobile app twice in the same day using Touch-ID to login with no error. I explained this to the agent to show how none of the reasons she gave for why my transfer was sent as an e-check were applicable to my account. I asked when would the money I sent be available to the recipient, and was told XX/XX/XXXX. I asked if there was anything that can be done on their end, and was told that there is nothing they can do. The issue was then escalated to a manager to assist me with. The manager proceeded to recite the same rhetoric as the agent before, causing same information to be unnecessarily repeated. This exchange became increasingly irritating as no solution was being presented to the situation where I was clearly a victim of UDAAP violations as a consumer. Upon asking if they had any solutions I was told I can address this issue with my bank. The {$150.00} I sent is currently still pending in PayPal 's system. | ||||||
| 01/24/2020 | Yes |
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Web | Older American |
| I have a PAY PAL account. On XXXX XXXX I received an E-mail from PAY PAL indicating I had a balance of {$4400.00}. I notified them to transfer {$4000.00}. directly to my personal bank account. They did and I received the {$4000.00} into my XXXX XXXX XXXX XXXX account. I checked the following day and was informed that I OWED {$4400.00}. There had been 17 withdrawals from my Pay Pal account from a XXXX HOSPITAL. I do not know a XXXX Hospital or have ever done any business with them. PayPal froze my account until I re-pay to them {$4400.00}. On XXXX XXXXthe I received the 10th collection call from PayPal. I explained to each agent about my dilemma and that I did NOT owe, PayPal. I acknowledged that I had requested {$4000.00}. from my account and it was deposited into my personal bank account. That I did not know a XXXX HOSPITAL. oN XX/XX/XXXX AT XXXX I received an e-mail from PayPal `` we noticed unusual activity on your account and are concerned about potential unauthorized access. '' At XXXX I received and e-mail that stated " We've completed our review of your unauthorized activity case. Pay Pal determined there was no unauthorized use. We found this transaction is consistent with your Pay Pal history. One of the Collection Agents said Pay Pal spoke with XXXX Hospital and an error had been made and XXXX Hospital sent back 17 transactions. At the same time when they were received Pay Pal forwarded them to an account they say was mine. Account # XXXX ( last four digits ). That is NOT my account and never has been ... .I did not receive any of the 17 transactions. Pay Pal says that is their record of my account number ... ... I checked all my VISA cards and contacted my XXXX XXXX XXXX and they have no record of that credit card in my name or account number. I did learn I have been with XXXX XXXX XXXX since 1979 ... .forty years! XXXX XXXX XXXX is the only VISA card I have.. I have others,, Mastercard, XXXX XXXX, and XXXX. Pay Pal has informed me that they were authorized for a 'charge back ' when they forwarded the money to that account number XXXX. I have pleaded with Pay Pal to use their resources to trace the owner of XXXX. I have just received the 11th collection call from PayPay asking me to set up a payment schedule to repay the {$4400.00}. I desperately need help. | ||||||
| 08/07/2023 | Yes |
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| Hello, I'm writing to you for help concerning my venmo account. My uncle sent me XXXX dollars to help me with the purchase of a vehicle. I tried to transfer the money to my debit card and venmo then told me that I had violated the user agreement same and suspended/froze my account. I can't take your demo to find out what I had done that violated the user agreement to be given no answer and then told that my account was permanently deactivated and that I could no longer use Venmo. On or about XX/XX/2023 I sent an email to the venmo support team because contacting them are directly you can not talk to anyone at all about your account it is a whole separate team that deals with it and you can not speak to them on the phone you have to reach them through email.. I emailed them an email asking them what it was that I had done to violate your policy with no answer being given I just received an email back stating that they could hold my funds for up to 180 days for lost prevention reasons which is complete crap.. I do believe that I am the only one who is missing out here and who has lost anything. They have caused me to not be able to get my vehicle therefore I have missed out on so much money from work that I'm really not sure how I'm surviving except for with the help from friends and family. Since then I have XXXX emails sent between myself and Venmo 's " team '' me asking them to please just let me transfer the funds to a different card and I would close my own account they didn't have to because I don't want to be a part of it any longer. Today XX/XX/2023 they sent me back an email stating that they would consider the case closed and they would not respond to me any longer that they would send me an email to my emil aaddress if my funds were ever available to transfer in the future.. this is not at all what a business should do to their customers especially a business with a huge name like Venmo. I do not recommend Venmo to anyone and I would like this to be taken care of immediately. I want my funds off of the account and I will be extremely cautious about any online card or bank or anyone who has control over my money. I am so unhappy about this. It is completely ridiculous and not professional whatsoever in any way, they should not be allowed to do this to their customers. | ||||||
| 07/17/2020 | Yes |
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Web | Older American |
| On XX/XX/2020 a user registered on XXXX. On the same day they purchased an item from me and they used the PAYPAL link on XXXX 's site to pay for the item through PAYPAL.. I packaged and shipped the item same day through USPS ( Tracking Number XXXX ) Tracking shows that the item was received at XXXX XXXX, XX/XX/2020. The money was processed into my PAYPAL account. 6 weeks later the buyer claims they didn't buy it.. and filed a claim with PAYPAL.. Paypal sent a message to me of the hold on funds and the dispute. I tried to call them 7 times but.no one answered and all you get is a recording..telling you to use their virtual messenger.. I used their messenger and gave them the same information that is above.. 2 days later they sent another message stating they ruled in favor of the buyer and refunded them plus charged me and extra {$20.00} for the charge back ... I am a XXXX senior and XXXX may not seem like much to them.. but can be for me.. Yet, I did nothing wrong. I fullfiled the requirements of XXXX in a timely manner and the buyer used XXXX 's on site link to pay..At the time of the purchase I had been a customer of both XXXX and Paypal for 18 years ... The buyer had been a customer of both for 1 day.. It is a new twist on a common fraud perpetuated on XXXX. Only this time, the buyer files the dispute with PAYPAL.. so paypal rules for them..and XXXX will not step in because the dispute was not filed on their site ... You call and you can not defend yourself at PAYPAL because no one answers.. and then they arbitrarily take money from your bank account and charge you additional fees without explanation as to what you exactly did to deserve theft of monies from your account. Once they make a decision there is no way to dispute it, no one to call, and precious little response from their virtual messenger.. You are just out of luck ... Now I am not so arrogant as to think this has only been done to me.. I am out {$50.00} ... not a huge amount in the grand scheme of things but..how many others does this happen to..and without any fair way to resolve it, without anyone who will pick up a phone.. I consider this theft.. If I had a customer that used my services for almost 20 years..I think I would at least hear them out with a real person.. before throwing them under the bus.. | ||||||
| 09/09/2023 | Yes |
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| PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds. | ||||||
| 03/05/2020 | Yes |
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| PayPal is holding {$28000.00} of my money collected from my clients over the past three years and they are not letting me have it. I was actively using PayPal since XXXX and I never had a single major issue. They were always pretty nice to me and we got along pretty well. I trusted PayPal for storing my funds in it, and over the course of the past three years, I've collected more than {$30000.00} on it. On XXXX I received an email from PayPal asking to prove my identity. I thought this was some kind of routine check that PayPal does. I didn't bother to check the future. I provided my passport picture and my bank statement picture. Please note that I provided these multiple times before when requested, and I never had a single issue. On XXXX when I had around {$28000.00} in my PayPal balance I received an email from PayPal stating that my account has been permanently limited and that my funds are frozen in my account. I called multiple times for an explanation of what happened but representatives from PayPal kept it very secretive and refused to give me any kind of information whatsoever. I believe it's okay that PayPal wants me to part ways with them, they are a private company at the end of a day and I respect that What's not okay is them holding my balance of {$28000.00} hard-earned money. I am from XXXX and I pay my business expenses with that account. By holding my money they are ruining my business, my career, therefore, my life. As a XXXX XXXX XXXX, I have no power to do anything other than to escalate this case I am 100 % willing to resolve this with PayPal by providing them any kind of additional information that they may need like utility bills, company registration number, tax returns, anything. I wasn't even given a chance to appeal their decision The reason for holding my balance, as they say, is that if somebody that sent me money in the past 180 days were to refund that money, and I withdraw it all then they would lose money In the past 180 days, I received only {$2200.00} so I suggested that they keep at least {$5000.00} for their security, which is double the disputable balance and let me keep the rest since I actively run a business and I need that money, but they refused. I tried to solve this in every possible way but they refused it. | ||||||
| 06/09/2023 | Yes |
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| On about XX/XX/XXXX I was in a bad car accident where my vehicle flipped around XX/XX/XXXX I was gave a settlement of {$11000.00} from XXXX XXXX the third party who issued the check sent me a link to put my account number in I messed up on the account number but has the correct routing number that had nothing to do with venmo mind you around XXXX the XXXX I got a notification saying that I had {$11000.00} deposited into this remote account I was so confused because it was never supposed to go to a memo account it was supposed to go to my bank account but I messed up the account number well with that being said I wasn't really caring as long as I had access to my money I had time to buy a new car that I now lost I became homeless I was severely injured I had to settle next to nothing so me and my kids wouldn't be homeless and we still ended up homeless and I have {$6000.00} in account they claim I violated some terms of service but the thing is I didn't even ask for my money to go in this account the account number and the routing number is not even two a Venmo account they told me that my account was going to be Frozen and then I needed to work with them while providing all the proper paperwork like the check number the choice number where the payment came from the proof of payment they still refuse to release my funds they said they can hold it for 180 days and that's because they're collecting interest that they own meanwhile me and my children are homeless I lost my car I lost my kids we're staying. Separated all I have a {$5000.00} sitting in a venmo account almost six and they will not even have a conversation with me they are some of the most incompassionate people I've met I was telling them a week before I got evicted I was getting ready to get evicted they did not care this is wrong they are causing people to lose everything including myself especially when my money is accounted for and legal I just need help getting my money back I have tried to reason with them I have asked them to send the payment back I've called every day and they have not gave me no response but 180 days and if your payments can be released will contact you then that is wrong it's been almost 2 months and I've been homeless the whole time and so after this wreck I'm living a living nightmare | ||||||
| 12/22/2020 | Yes |
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| Dear Sir / Madame, I have had the most horrible experience with Paypal in the past months.I opened an account recently to make a funding to a forex broker thinking this would be a more efficient method than making a wire.I opened and set my account to EUR as primary currency. I linked my debit card and proceeded to make the transaction on XX/XX/XXXX, XXXX All went smoothly without a hitch. I did not see anything out of the ordinary until I got my bank statement. To my horror the transaction to my debit card / bank was in CHF which triggered a conversion with my bank that cost me 4 %. Then that CHF was itself converted by Paypal to EUR to make the payment of XXXX EUR to the broker which itselfcost me another XXXX EUR ( close to 5 % of the total ) .I asked why I was not warned or prompted in any way. I got multiple responses with a number of blatant lies. Some of the lies were " your bank reported your card as a CHF card '', or ( even worse ) " you set it to CHF ''. I checked with my bank and they denied they had anything to do with this nor that they were asked for any info, and I know I certainly can not specify the card currency as I double checked by adding a new card and there was no way to specify currency. When I confronted paypal staff with this they then admitted Paypal set this to CHF just because I live in XXXX. Now that is fine but the problem is Paypal does not notify me when they did that nor was their any warning when initiating or completing the transaction that was invoiced in EUR. There was no warning about conversion rate or cost or anything of the sort.Essentially I wound up with close to XXXX EUR cost in just this one transaction just because Paypal does not bother to warn of this.Even worse now I'm being told that I have to withdraw the EUR in my account ( which was returned by the broker ) as CHF - essentially triggering another 10 % cost of withdrawal.The absurdity of this situation bears no mention and I won't stand for it.I am asking for some sort of abatement / adjustment as none of this was my fault yet I wound up paying for this.I also need some sort of solution for returning my money to my bank in kind. I hold a EUR account and not CHF. And I will not accept another 10 % being taken from my money.I await your response on these 2 matters. | ||||||
| 05/18/2019 | Yes |
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| I had been using PayPal for awhile for my small business. One day they limited my account without warning or explanation. Not only could I not access my funds, but I could not even refund my customers who hade made partial payments towards their purchases. When I contacted PayPal, they claimed I had multiple accounts. I realized after some investigation that I had started one years ago for the sole purpose of making an online purchase. I immediately contacted PayPal again and was then given a completely different reason for closing my account. They claimed I had too many disputes, all 3 of them out of 100 's of transactions, which were resolved without issue. The problem here is that PayPal does not make it known that customers should contact sellers regarding issues. Therefor every buyer automatically opens a dispute regardless. I have top seller ratings on every site, yet banned from PayPal. During my 3rd contact with PayPal, they informed me it was my merchandise that got me banned ( designer fashion bags & accessories ). They claimed there was too much potential for fraud. They also claimed there was another account under my name. I asked if it was also using my social security number, and was told no, " There could be 10 other people with your name '' they said. This made irate! I am in many XXXX buy/sell groups with thousands of members and PayPal is the only allowed form of payment. These folks have no trouble selling their designer merchandise! Obviously, my small business took a massive hit. I finally had to shut down because PayPal refused to release my money ( {$2000.00} ) for 6 months. They literally put me out of business. On top of everything, I lost the ability to use XXXX because they only accept PayPal. I can no longer use my shopping rebate apps, I can no longer work my independent contractor jobs for extra money because they only pay via PayPal. I can't shop many places online because they only accept PayPal. How can this one company take so much away from me in so many aspects of my life? It can not be right. I still haven't recovered from the damage they did my finances and the worst part ... .I still don't know why! I do know I did nothing wrong. Unfortunately PayPal is the ONLY option and this doesn't seem like it should be legal. I really need help! | ||||||
| 12/17/2021 | Yes |
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| I was selling items on XXXX. Things were going well up until I started scaling my store and growing as a small business. I started getting higher revenues and I noticed PayPal started holding funds, placing random holds for unspecified amounts of days, which I did not mind since they have to verify their sellers one way or another. Up until I reached a certain point in my journey- they placed a hold on my accont- asking for ridiculous amounts of information I had already submitted. After a few days, it turned into a permanent suspension and freezing of my money in the account for 180 days. That caused my small business to crash, caused a lot of issues with customers because they wouldn't even let me refund customers that had issues with their orders... Anyways I gave up on the thing I was doing because of them and decided to wait the 180 days out, take my money out and leave this bad company once and for all... 181 days of the hold on my funds - I log into my account to find that PayPal has stolen my money out of my account. For the next 3 months, I have been e-mailing, calling, texting on XXXX, XXXX EVERYWHERE looking for help and answers for their unlawful actions against me. During the 180 days also I'd like to add that they were unfairly issuing refunds and were charging me Dispute fees for disputes that were either fraud or non-existent. No warning... Just took the money out and claim I caused damages to their business... I have done nothing wrong. ALl my orders had tracking information, all my customers received their products, left good reviews and feedback and yet PayPal still took my money like that... I demand a full refund and legal action against this fraud company. XXXX XXXX XXXXXXXX I will just put this here. They pretty much stole my money for nothing. They had previously blocked my account for 180 days. Once the 180 days passed and my money was ready for me to withdraw and cut ties with that company, they went south on me and stole all the balance. They claim I've done damages. {$6100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) This is what they told me. No further explanation. Nothing. | ||||||
| 12/17/2021 | Yes |
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| Fraud charges/unauthorized charges were made on my Venmo account. Dates and amounts of each transaction : XX/XX/2021 {$29.00} XXXX ; XX/XX/2021 {$0.00} XXXX ; XX/XX/2021 {$260.00} XXXX XXXX ; XX/XX/2021 {$5.00} XXXX ; XX/XX/2021 {$9.00}. Ive not given anyone permission to use or to access to my account. Additional Information : I live in XXXX, North Carolina. The day that these 5 charges occurred started soon after I placed an order with XXXX in Washington DC to have groceries delivered to my sister. I have not used XXXX in years probably and had to link my Venmo to make the purchase. I didnt even have the app on my phone anymore to give you an idea of how long its been. The order was being shopped when my sister needed me to change the address I provided. I changed the address, and the shopper then canceled the order. I then was assigned a new shopper who completed the order. Several hours following the delivery of the groceries is when the fraudulent charges occurred on my Venmo account. Three out of the 5 charges occurred during the middle of the night while I was sleeping. The email notifications came in the middle of the night, example, email time stamp is XXXX for the XXXX charge - the purchase time within the email is XXXX because the purchase is in Washington State - a different time zone then mine! I believe these fraudulent charges are somehow linked to my purchase through XXXX. Somehow my information was breached. I woke up in the morning to find the email notifications about charges made. Venmo makes it extremely difficult to figure out how to file a claim. I had to XXXX it because I couldnt find it on the app, not even through their articles full up tips. I then had trouble figuring out how to disable my account and in the meantime, 2 more fraudulent purchases were made. Reason for denial of disputes from Venmo : My account shows several payments received from other accounts during the time of the disputed claims. That logic is completely inaccurate. XX/XX/XXXX and XXXX is when the fraudulent charges occurred. The payments received in my account were XX/XX/XXXX and dates earlier. Despite this, Venmo is an app intended for sending and receiving money. These fraud charges were not investigated thoroughly and I want a resolution and my money back. | ||||||
| 05/18/2021 | Yes |
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| I'm a small business owner in Washington XXXX. We did a project for XXXX XXXXXXXX XXXX XXXX XXXX XXXX to complete the formulation and preparation of plant-based dispersion for farmers. The farmers came to our workplace to pick up the product in mid XXXX. XXXX accountant asked me if it was ok to pay through PayPal. I have a PayPal personal account. It works very well. I can receive the money transfer for free. I agreed. But later the XXXX accountant told me I had to register a business account to receive the payment. They can't send money to a personal account. I registered a business account with PayPal. It becomes a nightmare. There are two problems. The first one is I can't get the money. PayPal puts it on hold since XX/XX/XXXX. PayPal asked for the shipping receipt. I called them several times to explain the farmers came to pick up. There was no shipping receipt. But PayPal insisted I had to submit the shipping receipt. On XX/XX/XXXX, I received an email from PayPal. It said PayPal partially removed the limitations. I found they only asked for one item from a list. The first one was my company bank statement. I submitted the bank statement. On XX/XX/XXXX, PayPal told me the bank statement I submitted was incorrect. I downloaded it from XXXX XXXX XXXX my account. How could they determine it was incorrect? Then I picked another item, which is a letter from IRS with the XXXX number on it. I submitted the letter. PayPal accepted it. But after more than a week my money is still on hold. I had to pay the labor fee and other expense from my personal account. The second thing is PayPal charges 2.9 %, which is {$290.00}. I'm sure I didn't see anywhere PayPal said there would be 2.9 % charge. PayPal doesn't charge for personal account. As a consumer I have the right to know if there is a charge and how much is it. To make sure I didn't miss the place that PayPal might put the service charge statement, I used another small business I registered in Texas to register a new PayPal business account. I did very carefully in every step. I didn't see such statement. PayPal can't charge customer 2.9 % service charge without telling the customer when set up the account. If I knew there is a service charge, I would ask XXXX to wire the money to my bank account or just write a check. | ||||||
| 02/01/2023 | Yes |
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| Around XXXX through XXXX of 2020, I had received funds through Venmo of around {$2600.00}. The funds were sent to me through a random customer who purchased a lot of clothing from me. I had attempted to withdraw the funds on the same day of the sale and my account was locked. I had contacted Venmo about this issue and they told me my account was locked for 180 days under a review. After the 180 days had passed, I had contacted Venmo and I was informed that my funds would not be released to me. I had made numerous email complaints and Venmo essentially told me that the case was closed and there was nothing I could do. Here is the exact statement written from a Venmo representative : " You are sending and receiving what we reasonably believe to be potentially fraudulent funds and using the service in a manner that have resulted in reversals. Specifically, you received a large number of payments within a short period of time immediately followed by withdrawing the funds. There is no prior history on your account of accepting several large payments in a short period of time and immediately withdrawing the funds. '' I had explained to Venmo numerous times that the transaction was due to a clothing sale. A person had purchased a lot of clothing from me and paid me in total. That is why the amount was high. As for the matter of withdrawing the funds immediately, who wouldn't? What reason do I have to keep that balance in my venmo account when that money was from a sale? Of course I would immediately transfer it to my bank account. I also want to note that I had over a years worth of transactions on Venmo prior to this large sale, so I was not a new user with XXXX transaction history. Venmo had also explained that there were reversals that resulted in a loss to Venmo. This is extremely one sided and unfair due to the fact that I had lost not only the money that I received from the sale, but the numerous designer clothing that I had sold as well. There was no form of flexibility in terms of a partial payment or a reinvestigation on the incident. It was simply I lost my money and there was nothing I could do about it. I am also writing this CFPB complaint 2 years after the incident because I had just discovered about the CFPB. I would like Venmo to give me my stolen money back. | ||||||
| 11/11/2017 | Yes |
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| On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX. Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit. Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent. I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''. The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me. Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency. Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction. All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all. | ||||||
| 10/20/2021 | Yes |
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| XXXX XXXX XXXX I have had my PayPal account for a little over a year. I've only had 1 transaction me paying for a XXXX account. I had gotten locked out of my Re-Employment account and was unable to claim 17 weeks of unemployment. Finally it was unlocked. The DEO deposited a little over {$5000.00} into my PayPal account. I initiated an instant transfer to my bank, it was denied. I tried a regular transfer, denied. i tried requesting a check be sent to me, denied. I tried sending money that I owe a friend for helping me pay rent. That transaction was denied as well. I added another account and tried transferring MY money out, DENIED. I sent a message requesting help. I was answered by my account being limited and having to verify my identity. I did immediately. It passed verification and limits lifted. I tried again to transfer money out and was answered with limits again. I had to answer questions about where my deposits came from and why i received it. I explained my situation with FL DEO and unemployment. Keep in mind Paypal was advertising to have your government checks direct deposited into your PayPal account. I did what they advertised and now i have no access to MY MONEY! I logged into my PayPal the next morning to find PayPal had closed my account and I would not be able to access my money for 180 days. They said I violated their terms and agreement and gave me no explanation. I requested their evidence as to what I violated, no answer. Paypal is holding my funds illegally. They are in breach of their own contract. The Paypal Balance Terms and Conditions states : " Hold your Balance Account balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' There is no risk of liability because I have not abused my paypal account in the past, i have no chargebacks, or even recent transactions. I only wanted to transfer MY MONEY out. I verified all my information and explained my money came from Unemployment. I did not violate their Acceptable Use Policy either. PayPal is not responding to my request for sn explanation as to what terms and conditions I supposedly violated. Due to their own Breach of Contract they have bo right to hold my funds for 180 days and collect interest illegally | ||||||
| 09/16/2016 | Yes |
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| I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '. | ||||||
| 10/07/2021 | Yes |
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| My son sent me money through PayPal using the family and friends method and PayPal has it on hold for no reason. Its in my account now but I am unable to do anything with it, I cant withdraw it, I cant send it, I cant spend it or refund it. After giving me the run around for 8 hrs yesterday I finally spoke to someone that was able to bypass all the security and I was able to withdrawal only half of it. When I tried the other half I get a error, so I contacted PayPal again and they tell me its on hold for 24hrs because of security risk, how is there another security risk when I just spoke to someone and they bypassed everything after I verified and confirmed my identity already. I decided to give up for the day then this morning I attempted to withdrawal it again and it didnt work. So I contacted PayPal and followed all the instructions they gave me, tried to withdrawal it using a different card and stuff because they told me it will work, well it didnt work. All morning Ive been messaging a rep at PayPal and he keeps giving the run around and lying to me, now suddenly instead of a 24hr hold its now a 72hr hold. I followed every direction he told me to follow and now its a 72hr hold. He caused it to become 72hrs not me. I would have had only a few hrs left if it wasnt for him. They keep bring up security system and risk when Ive done nothing at all myself to trigger such a thing. I need my money so I can buy my daughter milk and diapers, I got XXXX kids I cant wait 72hrs to access my funds. It was money that was sent to me by my own son, all I did was try to withdraw it from PayPal to use, how did I trigger any security flags. Ive spoken to at least 10 different reps at PayPal and they keep on lying to me and giving me the run around, what kind of business is PayPal running, they are scamming people at a time like this when were in a pandemic, theres suppose to be relief and support going around but they are causing nothing but stress and hardship, they are taking time away from me and my family. I know they can bypass whatever security system and let me withdrawal my money because one person was able to already. I just want them to give me my {$100.00} and I wont do anymore type of businesses with them anymore, they are the worst, what they are doing cant be legal. | ||||||
| 09/05/2021 | Yes |
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Web | Servicemember |
| on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter | ||||||
| 07/02/2020 | Yes |
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| I receive direct deposit benefits for unemployment each week from the Federal Government and State Authorities. I did not receive my unemployment benefits from Paypal even though the payment was sent to them from both the State and Federal Government on Tuesday, XX/XX/2020. I receive an amount of {$46.00} from the State each week for unemployment, and a total of {$500.00} a week for Federal Pandemic Unemployment Compensation. only received {$46.00} for the work week ending in XX/XX/2020, and I did not receive the allotted amount of {$500.00} that is necessary and vital in this state of emergency that I am in.I have reached out to PayPal on numerous occasions, only to be greeted with an automated response saying that no representatives can assist with this call every time I call them. I also attempt texting them with information in regards to why I havent received this deposit, and they wont address the issue and never give me an answer on why the funds are not available in the PayPal account, even though they were paid by both the State and Federal Government in lieu of the Federal Pandemic Unemployment Compensation Act, as I personally did not receive the allotted {$500.00} for the work week ending on XX/XX/2020. I have attached the necessary documents showing that the amounts of {$500.00} and also {$46.00} being sent to my PayPal account via direct deposit, as of XX/XX/2020, but the {$500.00} is not posted anywhere to my account. Have waited the allotted period in order to rectify this matter, only to be instructed that no PayPal Representatives van assist me with this matter. I have to survive during this Pandemic, and I need to have access to all of my necessary funds. I feel as if a fraudulent act has been committed, and I need answers to why the direct deposit amount of {$500.00} is not showing in my PayPal account, even though it is showing as submitted as a direct deposit of {$500.00} on XX/XX/2020. This being done so, is negligence on behalf of PayPal, and this situation needs to be addressed immediately, as this is my means of survival during this Pandemic. I have attached both my recent PayPal account history and also my direct deposit statement indicating the dates for which my direct deposits were submitted for credits to the respective PayPal account. | ||||||
| 09/29/2016 | Yes |
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| This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. [ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. [ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice. | ||||||
| 05/17/2021 | Yes |
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| XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved. To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage. They previously denied my complaint stating that my account is not in the US therfore they can not do anything. However, my account balance is in USD, and my company is registered in the USA also. | ||||||
| 01/16/2021 | Yes |
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| My English is very poor. I ask for your broad understanding. Transaction Date : XX/XX/2021 Time : XXXX XXXX Transaction Amount : {$2000.00} USD = XXXX XXXX Nowadays, it is possible to buy cryptocurrency on XXX crypto exchange, After hearing the news, Many people trading through XXX crypto exchange and so do I. However, Exchange rate of XXX crypto exchange is not fair and unfavorable to users. In particular, the market price of Bitcoin has fluctuated significantly over the past two days, XXX crypto exchange is trading at a significantly higher exchange rate than the real-time market price. It happened when I bought bitcoin. I bought bitcoin when the price of bitcoin fell down to {$39000.00} exchange wanted to reduce the damage, delay about X seconds when I placed my buy order. And settled my buy order at {$40.00}. The exchange rate is about {$1000.00} higher than real-time rate. Currently, all exchanges comply with the principle of trading at a real-time rate. By the way, it is unfair to vote at an exchange rate as high as {$1000.00} because the market price fluctuates significantly. In this case of my transaction, XXX expected the exchange rate to rise, so settled my buy at a {$1000.00} higher rate, but the exchange rate fell by more than {$1000.00}. In the end, I ( user ) suffer an exchange rate loss of {$2000.00} and the trade begins. So, I sent emails and disputed several times that I wished that the transaction would be fair in real time, but all are denied. And the reason is [ This decision was made because your billing dispute doesn't match our qualification for a billing dispute ] and [ Explanation of whether the price difference is related to increased tip amount, shipping charges, taxes, etc. ] it is possible to reply when XXX had no crypto service. Probably, all users have the same complaint, so if they dispute, then theycontinue to be denied for the same reason. Eventually they end up giving up. XXX appears to be exploiting it. With the image of a reliable XXX, XX is stealing from users who do not know much about cryptocurrency trades in this form of transactions that can not be seen on other exchanges. As far as I know, this unfair trading method is a violation of antitrust law. I leave this note with the hope that it will be a fair trade .... | ||||||
| 08/28/2021 | Yes |
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| On Friday, XX/XX/2021, I initiated an " Instant Transfer '' from my PayPal account to my checking. PayPal would not process the transaction, and said they could not verify my identity, despite the fact that I provided them with my password, and my two-factor identification code from my watch ( that, if removed from my wrist, will not work ). This transfer was to an account that had been on the account since conception. I spent about five hours on hold, being hung up on, and receiving scores of different answers. Eventually, I tried to make a non-instant transfer and that was held up. They variously told me to go to XXXX to get the money, or to send my ID over to them, via a cell phone. I had told them at least five times I couldn't do that ... the money I was trying to transfer was from selling my phone!! Today, I borrowed a phone, and tried the " send us your ID '' thing. They informed me it would take five minutes to process, after a half hour I asked them what was up. Almost two hours later - forty times the indicated wait time - I was told that the verification failed. XXXX has kept the same photo of me for eight years now because I LOOK EXACTLY THE SAME as I did even FIFTEEN years ago. They absolutely did not examine my selfie or ID. I was told this is normal procedure, banks do this all the time, but I have never, ever, in my entire XXXX years been asked by a bank to give my password, 2FA code, last four of my social, entire 16 digit account number, a text code, a copy of my ID, and a selfie. It's " did you authorize this transaction? You did? Okay, try again. '' This is how it works at every bank, PayPal is the only company expecting me to verify every possible detail of mine. I'm surprised they hadn't asked for a DNA sample. It has now been over fifty times the quoted time for this withdrawal. They refuse to say exactly why this is held up, they give me form letters, and say the computer controls everything. This is not a XXXX movie, PayPal is not XXXX, it is not a sentient mainframe in a mountain somewhere. A person must be in charge, that's the way the world works, but they say oh system did it, can't do anything about it. So, if PayPal isn't in control of their own systems, who the XXXX has a picture of me, my ID, and my debit card numbers now? | ||||||
| 01/13/2018 | Yes |
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| Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc. 2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items. 3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue. 4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue. 5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis. 6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX account. I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ). I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account. Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly. Thank you for your time and I look forward to your response. XXXX | ||||||
| 03/12/2023 | Yes |
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| On Saturday, XX/XX/ 2023, I applied and was approved for Paypal credit, with a limit of {$2600.00}. After a couple of days of trying to use it and not being successful, I contacted Paypal and was told that there was a limitation on my Paypal account due to a negative balance on a past account that had been set up through a job I had a few years ago. I was told that the debt had been sent to a collection agency and to contact them to resolve the balance, and that once I did that, the limitation would be lifted and my account access would be restored. I contacted the collection agency and confirmed the debt. It was for {$100.00}. I paid it on XX/XX/2023, in two separate transactions, one for {$70.00} and one for {$30.00}, and then uploaded the receipts to Paypal. I waited until XX/XX/XXXX and when I still couldn't access the money in my Paypal account nor my credit line, I reached out to them again. I was told to wait a few days for it to clear on their end and then everything would be fine. So I waited. And waited. And waited. I contacted Paypal customer service via phone 21 more times and via chat 8 times, spending nearly an hour or more on the phone each time. I just kept getting transferred, and hung up on, and ignored, and flat out lied to, even told at one point that the limitation had been lifted when it obviously hadn't been. This has been going on for nearly XXXXwo months now, and it has begun to really affect my family financially. My wife is having our third child in less than 3 months, and the fact that I can not access my credit line or my money that is in the accountit has caused a terrible financial strain that could've been avoided. Which is causing stress on myself and my pregnant wife, who is already considered high risk. There's literally nothing stopping them from fixing this issue. All I keep hearing is that their back end office is dealing with it, but apparently there's no possible way to contact this supposed back office, and they have failed to meet their deadline of 3 to 5 business days so many times it's almost laughable. All I want is for them to lift the limitation on my account, because I met the requirements to do so in XXXX, and I have saved every chat and phone call history to prove it. I don't know what else to do. Please help me. | ||||||
| 01/26/2016 | Yes |
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| XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them. | ||||||
| 08/09/2019 | Yes |
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| My ex and I used to use his Venmo account. We separated about a month ago. When we separated I decided to use my own Venmo account. My parents sent me $ XXXX to help my buy a car independent of my ex. When I tried to transfer the money from my parents to my own bank account ( with only my name on it ) Venmo said that that account was linked to someone elses. I immediately initiated a chat with Venmo customer service and told them I was having trouble and I suspected my ex was using my card. The support person said his account had nothing to do with my account, then promptly said actually his account was effecting mine. Then I proved my identity and that I am not him. I also verified my bank was solely mine, with bank statements. I also got my ex to call them and verify his own identity and they we are in fact two separate people. Venmo then lifes MY acct hold and TOLD ME to do a standard transfer with the bank account Id proven belonged solely to me. Apparently, initiating the transfer that THEY TOLD ME TO DO, caused my account to be frozen. They said it was bc it seemed my exs account was also mine and he owes them $ XXXX. My account had just under $ XXXX stuck in it. I offered to cover whatever he owes with my own funds since they claimed I was responsible for BOTH accounts, however, they then said I couldnt use my actual verified account to cover the other accounts debt. So they said both accounts are mine and therefore my responsibility, but I couldnt use my actual account to pay off the debt owed on the other since the other account isnt mine. Does that make any sense??? Also, this brings me to my next point Venmo lets people link bank accounts that DO NOT BELONG TO THEM. How crazy is it that my attempt to prevent fraud lead Venmo to literally steal my money. They are holding $ XXXX more than what they claim I owe hostage ( even tho its my exs debt ) and not even letting me resolve it. Theyve essentially found a clever way to steal $ XXXX from me. I grew up in foster car ( spent 16 years moving from placement to placement ). Im trying to untangle from a really unhealthy marriage and Venmo has decided to use it as an opportunity to steal from me instead. Im at a complete loss at what to do. Please help and make sure they dont continue to do this to people. | ||||||
| 07/07/2021 | Yes |
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Web | Older American |
| Dear Sir or Ms. : This comsumer complaint is being sent to your office after Venmo 's unlawfully freezing my Venmo card account for nearly 3 months without any authority and consent, In XX/XX/XXXX to XX/XX/XXXXVENMO HAS STILL CORRUPTLY HELD MY {$11000.00} deposit was made from my fiancee ' XXXX XXXX 's late father 's sale of his property into my Venmo account. The deposit was to repay me {$10000.00} she got from me, and her repaying me back from her sold real estate her attorney sold in her inheritance. Similarly, nearly {$25000.00} was illegally transferred from my XXXX XXXX bank acct. and {$3500.00} was unlawfully removed from my Venmo card acct., with -out my consent, authorization, or any legal In and after XX/XX/XXXX, XXXX XXXX and Venmo froze my accounts containing about {$23000.00}, total. Venmo never told me, replied to my many attempts to learn why it was frozen, what caused the freezing, and what I can do to unfreeze my funds. That unlawful silence went on for more than 10months to this date, XX/XX/XXXX, 18 months later, VENMO REFUSES TO TRANSFER MY {$9000.00} BALANCE to my XXXX AND CHASE accounts by wire transfers. After nearly 14 emails Venmo has not my reply texts demanding {$11000.00} be returned, Venmo C/S and executives never replied. Alternatively, C/S wrote it will get back to me in 8-14 calendar days. After 19 MONTHS, Venmo still did not ever answer specifically WHY IT HAD FRAUDULENTLY WITHHELD my money. My monthly bills came due ; Venmo still refused after 10-months to return, my {$3500.00} it allowed to be stolen and my current {$8700.00} in my VENMO CARD ACCT.. then never refunded it even after I filed Whereas, VENMO sent me a letter, ( copy attached ) that it is holding my funds {$11000.00} for 10 months XX/XX/XXXX to XX/XX/XXXX. However, VENMO IS STILL earning interest on MY FUNDS, but not paying me {$300.00} of dollars it earned in interest on my {$11000.00} money. Therefore, I am seeking to file a classaction suit for various legal crimes and consumer fraud, or consumer violations as this Court determines from our classaction complaint and attached documents, ( exhibits ), supporting consumers claims against Venmo bank card. Respectfully yours, XXXX `` XXXX '' XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/29/2022 | Yes |
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| In XXXX, 2022, I sold a watch to someone using Paypal. That person received the watch and acknowledged receipt within Paypal 's communication tool and gave positive feedback on XXXX, where the sale was initiated. However nearly a month later, they filed a chargeback claim and would not communicate further. I explained the situation to Paypal and, over the course of a month, found 4 other people that had the exact same thing happen when they shipped watches to the same address in XXXX, Florida. I provided extensive communication with the buyer, the additional Paypal users with contact information. Paypal claimed that since I had accepted money through " Friends & Family '' rather than sale that they were not responsible and that I would be required to pay the {$5000.00} back to Paypal, even though they charged a sales fee. While I now understand that Paypal 's terms of service exclude responsibility for non-sale transactions, their app, which they force to you use if you've downloaded it, does NOT make a distinction between the two payment types and therefore I was not aware that the purchase had been made in an unprotected manner. Paypal has since closed my account, without warning ( so my extensive exchanges with them are not accessible ) and has ceased communication. I received a collections letter in the mail the week of XX/XX/XXXX. I have documentation from at least 3 other people where this same thing happened to them. I am aware of a 4th. I can provide this information as well as the contact information from the person that " bought '' the watch. Additionally, I reached out to my local police department, who claimed that this was not in their jurisdiction because the theft was online and to the XXXX, Florida police/sheriff who also stated that it was not in their jurisdiction because the injured part ( me ) was not in XXXX. My insurance policy does not cover this either. I did file an Internet Crime Complaint Center ( IC3 ) complaint in the spring of 2022 and can provided this documentation. I have attached four files : XXXX proof of delivery XXXX confirmation of receipt by buyer Example of a sale that has " Seller protection '' listed merely as " Monday Received. '' The watch sale that lists same " Money Received '' as transaction type. | ||||||
| 07/09/2019 | Yes |
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| Hello CFPB, I would like to file a complaint against PayPal for first freezing access to my funds ( {$1700.00} ) in my PayPal Business account. While I am still able to keep receiving payments, I am unable to withdraw or utilize the funds received, secondly any new money being received when sales occur on my XXXX XXXX XXXX, it is also being blocked which currently has a balance of {$2800.00} and climbing, so all together the amount I have frozen currently stands at {$4600.00} and climbing. I received an email from PayPal and in looking for the referenced Case XXXX and NOT finding it in Pacer which is a government website that offers Public Access to Court Electronic Records in all the US, ( https : //www.pacer.gov/login.html ) leads me to believe this case if a scam or fraudulent, and that perhaps PayPal was tricked into taking action on my account without verifying the case number was real or doing any due diligence. Because of these freezes from PayPal, I am currently unable to pay my creditors ; I contacted PayPal on the matter of which they had NO information on EXCEPT to reference back to the message and contact XXXX XXXX XXXX, XXXX at XXXX. I have both emailed and called XXXX XXXX XXXX, XXXX and spoke to their secretary and left messages for their attorneys to call me back and have heard nothing back, meanwhile my bills continue to go unpaid. I also received a strange message on my XXXX messages guiding me towards representation and I noticed that the message was sent to me from an XXXX account that was created the SAME day it was send XX/XX/2019, increasing the likelihood that it is a SCAM or Fraudulent. Below is the Law firm that is supposedly handling the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorney in XXXX, Pennsylvania XXXX XXXX XXXX XXXX, Pennsylvania XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX Email : XXXX Website : XXXX : XXXX XXXX : U.S. District Court for the Western District of Pennsylvania Plaintiff : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXl. ; Case XXXX I really need some help with this matter and I feel like I am getting nowhere myself and need your help to stop this abuse on my PayPal Business funds. Thank you and I look forward to your guidance and assistance. Thank you! | ||||||
| 12/30/2021 | Yes |
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Web | Older American |
| We are an online e-commerce merchant and one payment method we offer is PayPal. Our PayPal account is configured so PayPal transfers daily sale collections to our XXXX XXXX XXXX account. On XX/XX/XXXX, PayPal notified us that {$970.00} has been transferred to our bank. When reconciling our account on XX/XX/XXXX we noticed that this transfer never was deposited to our bank account. XX/XX/XXXX - We called our bank and confirmed that the deposit was not completed to the bank. XX/XX/XXXX - We called PayPal to inquire why the deposit was missing. We were told that we need to wait 7 or 8 days to see if it shows up in our bank account even though other deposits after this missing deposit were transferred correctly. XX/XX/XXXX - We called back and told we had to wait an additional 72 hours. XX/XX/XXXX - Called PayPal and was told that a trace on the deposit was initiated ( ticket XXXX ), Wait an additional 36 to 48 hours. XX/XX/XXXX - Called PayPal and was told that the deposit was reversed and it would take a couple of days to show up in our account. XX/XX/XXXX XXXX XXXX said deposit was never reversed. Initiated a new trace ticket ( XXXX ) and he would give us a response in 4 days XX/XX/XXXX No response from PayPal. Called PayPal and spoke to supervisor XXXX. Investigative tech team still working on the deposit ( XXXX XXXX ). When pressing him as to when I should call back, we were told XX/XX/XXXX. XX/XX/XXXX - Called spoke to supervisor XXXX. Still no resolution on investigating the missing deposit. Said he would issue a XXXX XXXX of {$970.00} to our account while PayPal continues to investigate the missing deposit. It may take a couple of days to appear in our account. XX/XX/XXXX - Called and spoke to supervisor " XXXX '' who said the deposit was reversed and the case was closed. It took 2 hours on the phone with XXXX for him to research the issue and agree that the deposit of {$970.00} has still not been deposited to my bank account. Requested that a " Manager '' call me to clarify why PayPal 's investigative department has not found where the money was actually deposited to and as of today ( XX/XX/XXXX ) we have not received a callback and the missing funds have not been deposited to our local bank account. XXXX created another ticket XXXX. | ||||||
| 03/27/2018 | Yes |
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| I purchased an item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) online from a website ( XXXX ) on XX/XX/XXXX using my PayPal business debit card linked to my personal PayPal account. The order total was {$190.00}. The item was expected to ship promptly but when I still had not received the item a month later I reached out to the seller. The seller ( XXXX ) responded to me on XX/XX/XXXX. " XXXX '' from their costumer service department told me he had looked into my order and was awaiting a response from their " fulfillment '' department in order to give me an updated expected delivery date. He said their " inventory systems '' were down for " a couple of weeks '' and consequently asked me to be patient and expect a potentially extended delay. Since " XXXX XXXX '' response I have not heard further from the company. I took the claim that the order was being looked into at face value and assumed the item would arrive sooner or later. In the meantime I all but forgot about the order until today when I decided to look back into it. I found out that the website no longer exists, and the customer service email address has been deleted. I reached out to PayPal and was told they could not help me since the order had been placed on XX/XX/XXXX and was 12 days outside of their 180 day dispute window. A supervisor from PayPal 's dispute office suggested I submit my claim here. A cursory review of claims about XXXX on the XXXX XXXX website seems to suggest that XXXX XXXX m.o. was to string customers along the same way they had done with me and to claim that a refund would be granted if the customer preferred to cancel the order, but apparently ( as per the many complaints on XXXX ) they would not issue the refunds ( customers told " expect to see credit reflected on bank stamens within 5-7 business days '' or similar, but no credit would ever appear ) and the customers only received their money back when their credit card company overturned the transaction. It would seem that XXXX may have been an entirely fraudulent operation but since I was told to wait patiently and only now, 192 days ( 12 days past PayPal 's 180 day window ) do I see that the order will never be fulfilled, I am out of luck and unable to be helped by PayPal or XXXX. | ||||||
| 01/03/2018 | Yes |
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| I have Paypal here to service my XXXX XXXX. XXXX I have used you about 7 years and all of sudden had 4 chargebacks in one month. The first $XXXX I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card. I called you 2 days and each time wait hours on phone. I asked would they ask the dispute if they had card stolen and they said they would but they didnt. They were not going to help so I just paid the $XXXX and they waved the $XXXX chargeback fee. I then got 2 chatgbacks from the same customer XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.; Please read the following email from XXXX. He nor his credit card issujer have no idea why the money he paid was sent back So Paypal is Gyping me out of fees. The customer sedrvise is antagonistic n and I have probably lost 2 customers.; this is XXXX email Re: Case update: Case XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX) To:you Details XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out. XXXX XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: Sat, XX/XX/XXXX XXXX XXXX Subject: Re: Case update: Case XXXX XXXX Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do. I can not close the case from my end becausae as far as they are concerned it was opened from your end so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again Case ID: XXXX Case ID: XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/29/2023 | Yes |
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| XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX - XXXX - XX/XX/2023 - Subject : Urgent Request for Fast Investigation and Refund of {$130.00} Dear PayPal Customer Support, I am writing to urgently request your assistance in investigating and refunding the {$130.00} payment I sent to XXXX XXXX ( PayPal username XXXX ), who has proven to be a scammer. Despite multiple attempts to contact him through email and phone, he has become unresponsive and has blocked me on all platforms. This incident has left me defrauded and without the XXXX XXXX XXXX XXXX, named XXXX, that I was supposed to pick up after the payment. I have already taken the necessary precaution of activating PayPal 's payment protection at the time of the transaction. However, given the circumstances, waiting for three weeks to resolve this issue through the seller 's " amicable way '' seems impractical and unlikely to yield a positive outcome. It is evident that XXXX XXXX has intentionally deceived me, and his lack of communication and deliberate blocking of my attempts to reach him further support this conclusion. Considering these factors, I kindly request an immediate investigation into this matter and a prompt refund of the {$130.00} to my PayPal account. I believe that the evidence presented clearly demonstrates fraudulent activity on the part of the seller, and I trust that PayPal 's commitment to customer protection will be upheld in this case. Should PayPal fail to address this issue promptly and refund the funds in question, I will be left with no alternative but to contact XXXX XXXX my issuing credit card bank, and initiate a chargeback to retrieve the funds. However, I strongly believe that PayPal 's intervention and resolution would be the most efficient and desirable outcome for all parties involved. I have attached all relevant documentation, including screenshots of our communication attempts, transaction details, and any other evidence that may assist in the investigation. Please let me know if there is any additional information required from my end to expedite this process. Thank you for your immediate attention to this matter. I trust in PayPal 's commitment to customer satisfaction and look forward to a favorable resolution. Yours sincerely, XXXX XXXX | ||||||
| 06/27/2023 | Yes |
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| On the afternoon of XX/XX/, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail bombing, while something more sinister is happening behind the scenes. Later in the evening I received a text alert from XXXX asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( XXXX ) unauthorized transactions to XXXX. I immediately called XXXX and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. XXXX assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called XXXX on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, PayPal. XXXX said that I needed to contact PayPal and seek a resolution about getting my funds returned. I called PayPal on three different occasions, each time speaking to different people, and each time I gave them all the information from the XXXX transactions. PayPal kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to XXXX. Basically I was being ping-ponged back and forth from PayPal to XXXX and vice-versa. I can not understand why PayPal says that they have no records of the transactions because from all indications PayPal was the recipient of the 18 transactions. In all there were 25 transactions to PayPal at the time when the incident was occurring. Four of those were rejected and three cancelled. While speaking to the last XXXX fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( PayPal ) and verify the transactions. When I called PayPal there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, XXXX tells me that they transferred the money and they have the proof of payment receipts to show it but it seems like the onus is now on me to figure out where it went. | ||||||
| 03/05/2022 | Yes |
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Web | Servicemember |
| I signed up for a venmo account in order to receive a payment from someone. I received the payment. Whole waiting in line to receive the debit card venmo froze my account in claims that I may have violated their terms of service agreement. I not sure how I could have done so within the app due to the fact that the explanation for withholding my funds was only expressed in one sentence " Your account has been frozen. We believe you may have violated our terms of service agreement. '' I was attempting, in lieu of being able to use the account to pay for basic needs without at debit card, transfer money to a system that I already have in place in order to meet my basic needs as that was the purpose of money transfered to my venmo in the first place. Venmo has offered no explanation as to why I can not access my funds.Meanwhile, I sit here on the verge of losing basic needs such as a way to get to work, losing my job, not able to provide myself with nutrition, or self cares and pertinent medications that keep me healthy enough to function properly. My stability is hanging on by an accusation. This is financial no abuse. I am a vulnerable adult. I would explain this to Venmo but they do not afford communication in the opposing direction in order for me to accurately defend myself, which is also not ok. I will be making a report with the common entry point for a VA abuse investigation. Even if may have accidentally violated their terms of service, they should not, without proper explanation, giving me proper evidence and a way to defend my actions, be able to withhold my basic needs with a one sentence explanation as if I do not matter and not afford me the rights I am entitled to. They should not be able to stop me from meeting my basic needs or steal my money in order to " teach me a lesson. '' That lesson is resulting in my failure to thrive. I should at least be given the dignity to defend myself and not just treated like a reason for them to steal from me and not care that I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You don't mess with someones money without taking into consideration what that actually means. I have XXXX and this has mirrored past financial exploitation as well as triggered episodes of XXXX XXXX that has effected my ability to work. | ||||||
| 08/11/2020 | Yes |
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Web | Older American, Servicemember |
| Two transactions were made on my paypal acct. I did not make or approve the transactions. I notified paypal and they say as far as they are concerned they were valid transactions and refused to issue a refund. Info is below. Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal XXXX XXXX. Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. XX/XX/XXXXsuccess online solutionsPayment - {$59.00} XX/XX/XXXXsuccess online solutionsPayment - {$180.00} XX/XX/XXXX XXXXXXXX XXXX Page 1 of 2 Board : Mortgage Brokers , Businesses & Lenders Complainant Information First : XXXX XXXX : XXXX Last : XXXX Address : XXXX XXXX XXXX City : XXXX XXXX : Florida Zip ( XXXX or XXXX ) : XXXX Home : ( XXXX ) XXXX Work : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Email : XXXX Education Level ( Highest Degree Received ) : XXXX XXXX Subject of Complaint Complaint is against : Company/Organization Company Name : Paypal Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX State : California Zip ( XXXX or XXXX ) : XXXX County : XXXX XXXX Complaint Details Are you filing this complaint on behalf of someone else? No Summary of Complaint : Someone used my paypal acct to make a purchase without my authorization. I notified paypal of this and they refuse to return my funds, saying that it was a legal transaction as far as they were concerned. Two transactions totaling {$240.00} Was this a joint account? If yes, please give name and relationship of other party. No Enter dollar ( $ ) amount in dispute ( if applicable ) : {$240.00} Date of Transaction :XX/XX/2020 ( mm/dd/yyyy ) XX/XX/XXXX XXXX XXXX Page 2 of 2 Have you contacted or hired an attorney to look into this complaint for you? No Was the product/service advertised? No How/Where/When? Success online solutions thru paypal. Have you submitted a complaint to another regulator? If yes, to whom? No Did you receive a response to your complaint? No If yes, have you received a response from the company that you have entered a complaint against? No | ||||||
| 04/06/2015 | Yes |
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| I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach. | ||||||
| 06/15/2022 | Yes |
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| I had both of my PayPal accounts compromised. Someone added their bank account into my business account and received my money. I submitted a resolution to PayPal for them to fix it and refund me my money. I made a mistake and added a charge that was authorized but the other XXXX clearly was different from the authorized one. I have had the same bank account and business with them since XX/XX/2021 with no issues.They some how stated that my transactions were not unauthorized. When in fact I have NO bank account with XXXX bank ( the account that was Added unauthorized ). I have to pay my rent on the XXXX and now they are denying me money they owe me! I have no email from PayPal stating there was an added bank to my account or anything to warn me! I only received an email when I deleted the bank account! and now I have no money. Im literally crying as I write this. I have no idea what I am going to do I am a young single mother of a XXXX year old son and I only profit an average of XXXX dollars a month! Why wont they give me my money if the transactions aren't clearly mine they could have called lending bank to see if I had and account with them and would have seen I dont! They could have checked with my bank to see if the money was deposited into my account. I really have no idea what I am going to do! I thought I would get my money easily and this would be solved but its not and now im fearful of me and my babies livelihood. We are already homeless and this just takes the cake for me im struggling enough, Inflation is raising I have to spend {$300.00} on gas a month alone just to make a living. I have to scrape up money for food and diapers every single month. I honestly can not take this right now! Im tired desperate and struggling!! I looked on the XXXX and seen so many others are complaining about PayPal ignoring them and not receiving anything. I literally can not afford for that to be me. I will do anything for me and my son to be able to eat this month. I will fight tooth and nail behind the truth for the sake of my son! I worked so hard for that money for it to be gone with no remorse. Im so scared and hurt right now I dont know what to do! After this is resolved im going to never use them again me and my son are at risk and they just dont care. | ||||||
| 12/30/2022 | Yes |
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| On XX/XX/XXXX th 2022 I accidentally sent the money to the wrong person. It was {$400.00}. And the company paypal has fail-safes for this exact problem and within minutes I followed those steps. And luckily the person I sent this too answered my call and cancelled the transaction and refunded the money back to me almost immediately.. Now this is what PayPal directs you to do. So I figured I would get my XXXX money ( I had no XXXX this year, I literally had to feed my family peanut butter sandwiches for XXXX dinner ) PayPal said my refund would be available on XXXX XXXX the {$400.00}. Now I even asked them on their website why does it take 3 days to get my money refunded to me on an accidental transaction. Their response was that I have to wait for th e-check to clear, which confused me. Because it was a PayPal to PayPal transaction so I dont understand why the y would have to wait for their own check to clear? So I wait til XX/XX/XXXX and than it says the refund was pushed back to XXXX XXXX. After XXXX. I was heartbroken how can I tell my family that XXXX is cancelled. I wondered if this was personal because I feel I was discriminated against by PayPal not long ago, within the past 12 months I wrote an email to PayPal that my next step was to get a lawyer and file a discrimination suit against them but than they released my funds to me. But I did not say anything or contact them, I waited patiently thru XXXX for the XXXX th to come. On the XXXX I went on their website and saw on the XXXX nd of XXXX they cancelled the refund, no notification whatsoever. They told me to wait til the XXXX th to get my my my money back. But they silentl cancelled it. I called them on the XXXX th to be lied to and told the other party involved cancelled the refund and than got on with a manager who told us there is no one above him that we could talk to. Not one question o had was answered they told no refund thats it because the other party was in the negative which should not have mattered cause it was cancelled. Why would they wait 14 days to tell me this cause the manager stated clearly on the recorded line that, as soon as I accidentally sent the money I was never going to get it back cause she was in the negative. If that is the case than why 14 days to tell me this | ||||||
| 09/03/2020 | Yes |
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| Paypal permanently locked my account and will not tell me why. I am a first time seller on XXXX and opened the paypal account to receive payments for items sold. All the information I gave them was 100 % correct and accurate from my email, name, address, phone, bank account, and so forth. Again everything was 100 % accurate. I sold 1 item for the first time on XXXX that was in perfect working order exactly as described shipped by USPS with tracking that was received by the buyer. Soon as the funds became pending in my paypal account they limited my account and required that I submit a copy of my photo ID along with a description of where I was receiving payments from. I complied with their request the very same day sending them a copy of my ID and a description that I was using paypal to receive payments from buyers on XXXX purchasing items of mine that are personal property of mine such as collectables and electronics. The item I sold was a XXXX gaming console and I included a picture of the sale from ebay. The very next day I logged onto paypal to see if the money had been released to find out that my account had been permanently banned. I did nothing fraudulent at all and 100 % complied with their request. I tried to call them but they are not offering customer service over the phone at this time so I used the message center on their website to try to find out why this was happening to me. I was passed along from representative to representative, all telling me the same thing that " the account is permanently closed and they can not provide an explanation '' and simply that " they looked into it and this is the decision they have come to ''. They are holding my funds for 180 days and will no longer allow me to use paypal in the future basically preventing me from ever selling anything on ebay ever again. This makes absolutely no sense to me as all my information was correct, I was not selling anything illegal, and the item I sold was as described in perfect working order and it is my very first sale. I did absolutely nothing wrong and they will not provide me with any explanation. I do not understand how what they're doing can even be legal as again I have done nothing wrong and provided all information to them to prove I was doing nothing wrong. | ||||||
| 06/04/2020 | Yes |
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| Re : paypal.meXXXX email : XXXX XXXX On XX/XX/2020, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX, for my son from a company I found on-line. I had been looking for the XXXX set for some time and it was sold out every where. I immediately placed my order without vetting the webpage. I can not recall the name of the initial company from which I placed the order and normally I would have immediately received an email confirmation. In this case, I did not. On XX/XX/2020, I received an email from XXXX XXXX, which was definitely NOT the initial company that took my order ( See attached ). The order confirmation email listed USPS tracking number XXXX which has never been a valid tracking number according to the USPS. Further investigation revealed that the phone numbers are not real, that there are multiple company names associated with the biller, XXXX XXXX XXXX XXXX XXXX XXXX, such as XXXX and XXXX XXXX. All of these companies appear to be fraudulent and the web pages all go back to non-existent companies I have never received the XXXX set that I ordered. I have lost {$110.00} and I am unable to contact anyone at any of the three companies I am aware of to help me resolve this matter. I used Paypal because you have a good customer service reputation when handling fraudulent billing activities. I am rather disappointed and angry that in this case PayPal appears not only dis-interested in helping me resolve my dispute but also seems to believe that I am something other than a victim in this transaction. I made an honest effort to purchase a product on-line. I used your service to pay for it. I never received anything for my purchase from any of the three companies associated with the web address and email conformation. My money was stolen. I have reported all this to you and I expect you to do the right thing by refunding my money. Instead, I am told that my case has been closed because my transaction was not covered. This is a ridiculous assertion. Of course fraud was involved. I never authorized XXXX XXXX XXXX to bill anything to my account. Do you really think an interior construction company sells XXXX sets? This would be an easy dispute with any major credit card company. If i cant count on you to dispute this charge then why am I using PayPal? | ||||||
| 10/03/2022 | Yes |
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| Hi CFPB, on XXXX I received an email from Paypal saying that they close my Paypal account and that my balance ( XXXX EUR ) would be retained for 180 days and that if at the end of those 180 days had funds available for withdrawal, they would be made available for transfer. They never specifically told me the reason for the suspension because they don't say specifically what the reason and which point of their contract I broke. On XXXX, I received an email from Paypal with the subject " Status of your Paypal funds '' in which they said that my balance remained as a reserve amount. On the XXXX, I received an email from Paypal with the subject line saying that " You are already a recognized seller '', receiving congratulations from Paypal for that. " Congratulations! You are already a recognized seller. '' If I am recognized, why do they close my account? This makes no sense. It so happens that yesterday, when I logged into my account, I noticed that my balance is at XXXX and the 180 days have not even passed ( they only end on XXXX ), and I see that Paypal, without saying anything to me, made a transfer to themselves on XXXX alleging " NoteXXXX EUR ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal damage caused by violation of Acceptable Use Policy ''. They transfer without my knowledge? With what reason? Then they claim damages caused by violating the PUA, but what damages? At no time was there a complaint regarding any transactions on my account, nor any type of chargeback on my account. So, what damage did I cause you to withdraw XXXX from me? I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a XXXX chargeback rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws. That being said I have no problem with, and agree to leaving a balance for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. | ||||||
| 10/26/2019 | Yes |
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| Paypal has withheld my money after a transaction from XXXX, where I sold an XXXX. They tried to tell me that there was suspicious activity on my account, but I later found out thats not true, their automated System lags certain things and they cant tell you why or when it will be resolved. After 10 days I finally was able to verify my identity and get my money. Fast forward three weeks later, which is a couple of days ago, I sold two more items on XXXX and I have no other way to get paid other than through PayPal because at this time PayPal is the only financial money transfer service that they use. Well they decided to limit my account again not allowing me to access money that I put in there and has nothing to do with XXXX. They asked me to verify some information which I did, but not before I wrote them a few nasty messages telling them how I feel about them and the XXXX that they have put me through. Whoever read my messages didnt like what I said and had the power to permanently remove me from PayPal, and telling me that I can not touch any of the money in the account for 180 days, at which point they will let me know how I can access my money. This is unacceptable that I have to wait 180 days or even three days to touch money that is mine I did not choose to do business with PayPal, it was my only option and I was forced to. I chose to do business with XXXX, nowhere in any of the agreements did it say that I had to use PayPal only and now Im being penalized because of Paypals monopoly on XXXX. They have stolen money from me by holding {$770.00} of my money a few weeks ago and would not allow me to touch any of it unless I paid {$440.00} that was for some One else is debt, and I had no choice because they told me it was either pay the XXXX Ill be able to access {$330.00} of my money or they would keep all {$770.00}. I thought {$330.00} is better than nothing so I paid it, everything was fine until I try to use them again, at which point they put more holes on my account and had me jump through more hoops, which I did and I submitted everything they asked except a definitely abused them verbally through emails, at which point they put me in the spot Im in now. They have cost me a lot of money in late fees by not allowing me to access MY money. | ||||||
| 05/01/2020 | Yes |
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| On XX/XX/XXXX made a purchase for a XXXX scooter it seemed like a good deal at XXXX actually exactally XXXX. I got nervous because it seemed too cheap especially with free shipping for a scooter which weighs 26 lbs. so I XXXX the website. Where I found that a lot of people were scammed from this site. It was about XXXX. But I immedently went through the process of trying to dispute the charge. I started with PayPal because they facilitated the payment although I didnt log into PayPal I checked out as a guest. Then I started a dispute with the XXXX XXXX people that is the digital and physical card that I have that I used to buy this scooter. I realized I had to wait til the next day. Anyway Im in contact with both them trying to get something done and receiving no response from the merchant at all. I looked up the number on the website. It was an international number but still it was disconnected. And emails to the merchant with nothing just a receipt it was obvious I was scammed and was never to recieve a scooter. Never got a tracking number. Until about two weeks later I received an email from the website I purchased the scooter giving me a track number which said my package was delivered less than 24 hours after I purchased it. And XXXX said it weighed 11lbs. This is shocking and untrue. I filed a complaint with ups. And even though I gave them being the XXXX XXXX customer service XXXX and several representatives from PayPal irrefutable evidence of my case. I have links and screenshots and testimony from other people online ripped off by this website and i will give it you. And also representatives for PayPal telling be how they see these scams a lot and gave me an explanation of how this site was able to pull it off. But PayPal didnt really want to work with me because i checked out as a guest and must not have looked at the evidence I submitted which showed by ups that there was no package. I have all of this documented my claim denied. I dont have a lot of money or time Iam ill but willing to fight for myself in this. I dont know if 100 is even enough to report through this channel but I need to try something I researched it and that led me here. The website is XXXX then ripped me off and the institutions i went for help in this denied me. | ||||||
| 03/05/2020 | Yes |
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Web | Older American |
| On XX/XX/2020, I purchased a XXXX 100 oz silver bar in the amount of {$1900.00}. My purchase was paid with PAYPAL Credit account. I received the silver bar on XX/XX/2020. While inspecting my purchase there were defects with the silver bar. The silver bar had dents and scratches on the metal. I contacted PAYPAL.COM and was directed to contact the merchant, XXXX, first. I opened a complaint/dispute with PAYPAL.COM, at their direction, until I resolve my transaction with the merchant. PAYPAL.COM placed a temporary credit for the amount, {$1900.00}, until resolve my transaction with the merchant. On XX/XX/2020, I contacted XXXX, and informed them about the condition of the metal. I informed that I would like to return the metal. Thereafter, XXXX sent me a XXXX PREPAID return label vial email. Their executive company is located in XXXX, Texas. Their Vault/Warehouse, where the metals are stored, at their fulfillment Center is XXXX XXXX. I went to a XXXX on XX/XX/2020 with the package, and was informed that it would be received by the merchant by XX/XX/2020. I received confirmation that the it was received. Thereafter, XXXX refunded my PAYPAL CREDIT ACCOUNT for the amount of the of {$1900.00}, the purchased amount on XX/XX/2020. I contacted PAYPAL.COM, which is different from PAYPAL CREDIT, that the refund was placed on my credit account. I have been contacting PAYPAL.COM, informing them that my refund was applied to my PAYPAL CREDIT. PAYPAL.COM is not acknowledging all the documents of receipt I have sent them. They state that the merchant stated that I did not return the package and the the merchant did not provide the refund, which they did. I have sent all documents from the merchant, XXXX of their receipt and PAYPAL CREDIT that indeed merchant refunded me the credit. This has been going on with PAYPAL.COM for the last 2 months and they want me to pay the {$1900.00} to my PAYPAL.COM which they are not credit account just an online service. I will attach the documents that I have provided to PAYPAL.COM confirming my return and refund provided by XXXX to my my PAYPAL CREDIT. I feel that PAYPAL.COM is giving me unnecessary stress. I am retired, and can not afford to loose money that belongs to me. Thank you for your assistance. XXXX XXXX XXXX | ||||||
| 01/29/2019 | Yes |
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| have been a victim of online fraud for the past 3 months and no one has been helping me in this process. A total of {$4300.00} was stolen from my bank account, using my debit card online. These charges were made using card number XXXX and XXXX. I bank with XXXX XXXX and they were informed of these charges. These charges were made, seemingly under the name Paypal. I called Paypal immediately following XXXX Monday and explained that I had noticed what looked like double charges or unauthorized charges on my account. They explained to me that I was going to be reimbursed and that these charges were going to drop. A very small number of these charges were put refunded and put back into my account, not all of them and then new charges started appearing. I've contacted Paypal multiple times and eventually, via XXXX one of their representatives told me to pursue my bank for these charges because they couldn't help me. I then contacted my bank. I printed and handed them the complete transaction list with all the unauthorized transactions marked out, a copy of all my Paypal activity page ( to compare with the authorize transactions ), a copy of my XXXX activity and purchased Items page ( for comparison ), a cover letter explaining these charges. They kept all these documents for three days before calling me back to let me know that it was too much paper work and that they couldnt get it all done in time. I took the documents back and for the next four days I worked on completing out 114 dispute files and turned them in with my cover letter, another more recently copies of my Paypal Activity page, updated XXXX Purchased list, my police report information, a copy of the transcript of my communication with Paypal ( in which they tell me to pursue this through my bank ) as well as separate information and files about two other charges that were not Paypal related that I was disputing. and turned them in. After 13 days I contacted XXXX XXXX today and was told that my dispute was declined because the investigator had contacted Paypal and was told that they have been working with me on resolving this and that I would be refunded through Paypal directly. The XXXX XXXX representative also told me that I should receive a letter in the mail explaining that. | ||||||
| 04/01/2018 | Yes |
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| On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity. | ||||||
| 10/04/2022 | Yes |
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| I have a paypal account on which I created a paypal fundraiseXXXX to collect donations XXXX XXXX XXXX now all the sudden paypal did block my account. I can not withdraw the donations that has been send to me! Paypal asking me for fullfillment details like shipment for products etc. although they see its clear that all incoming payments are donations sent to my paypal fundraiser I have send this info to them to remind them that all are donations on the paypal fundraiser now I get this crazy message on which I can not even sent a reply. Dear XXXX XXXX, Thank you for your cooperation in completing the review of your account. We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : To help resolve the limitation on your PayPal account, we've sent an email to your buyer to confirm if they received the related item or service. Transaction XXXX XXXX XXXX XXXX XXXX If you've shipped the item, please contact your buyer promptly and ask them to respond to our email, so that we can confirm if the above transaction is completed. After you've completed the above steps, please contact us by clicking 'Contact Us ' at the bottom of any PayPal page. Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. Sincerely, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. __________ PAYPAL IS A COMPLETE SCAM THEY JUST FREEZE MY MONEY AND I CAN NOT EVEN COMMUNICATE WITH THEM TO GET IT RELEASED. DOCUMENTATION SEND TO THEM IS NOT BEING VIEWED AT ALL! THEY JUST FOOL PEOPLE AROUND IN ORDER NOT TO PAYOUT FUNDS THEY ARE HOLDING | ||||||
| 10/09/2022 | Yes |
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Web | Older American |
| I registered a gift card to PayPal and attempted to use it immediately after registering it. I received the notification that the funds were transferred to PayPal. Each time I tried using it, the transaction would not go through. It would not be declined, it would just cycle and notify me that it was a pending transaction. On my first call to PayPal, all the pending transactions were deleted as was the gift card. I was told the funds were transferred back to the gift card and to call them to confirm. I did that, there were no funds transferred. The gift card ( XXXX XXXX ) had a transaction recorded from Paypal which I never received any confirmation of, and did not, nor could not make through my Paypal account. My next call to Paypal, was with XXXX, I was instructed to get documentation from XXXX XXXX confirming a Paypal transaction, then to call again to get a claim opened. I called and spoke with XXXX, was told a claim would be opened, and I would receive email confirmation. No email came. I don't have the exact dates for these previous calls but they were more or less within a month or two of the final call on XXXX XXXX, 2022 at XXXX ( PST ). Phone answered by XXXX, transferred to a XXXX : XXXX. XXXX assured me that claim had been opened and I would receive an email within 7-10 days. XXXX XXXX was day 10. No email except a generic one from Paypal with no claim number and basically to log in and start the process over again. All of these contacts are conveniently not recorded in my Paypal account. According to XXXX, there was a transaction with two people on that card. I do not know those people. Paypal has the record, and has had it all along to be able to trace the transaction. I never received a notification of the charge, and I was unable to make a charge. Paypal 'customer service ' is abysmal. There was never any follow up, the website doesn't allow for detailed, specific issues. XXXX assured me, when I asked, " How do I know this is even going to be opened as a claim? ", that it would and gave me a badge number. I attempted to get answers on the website, but that was useless. Paypal assures consumers that their money is safe. It was not safe. However, I would like to say that the gift card company, XXXX, has excellent customer service. | ||||||
| 08/30/2020 | Yes |
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| On XX/XX/30 I found out via email ( in Spanish ) that an electronic transfer was submitted through PayPal. I immediately went to PayPal.com and the first problem was after entering my email address ( username ) everything was in XXXX with no way to convert to XXXX. I found out *after* you log in, you can change the language preference - which, of course, was of no help to me in the moment. I deciphered the foreign language through an external translator, and got what I needed to log-in. I saw a pending {$1000.00} bank transfer from my linked bank account in PayPal with an estimated delivery date of XX/XX/XXXX. The transaction was initiated a couple hours prior. I immediately changed my password and turned on two-factor authentication. I tried to call PayPal, and after several minutes of XXXX prompts I was told " I'm sorry we can not help you over the phone '' and it disconnected. I read through their XXXX how to report unauthorized activity. I went through the directions in the XXXX XXXX. As this is the only transaction in the history, I selected the {$1000.00} ACH transfer and clicked XXXX. I was taken to a page that stated : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' I tried this a couple times to make sure I had everything right ( which I did ) and ultimately have been unable to mark this transaction as unauthorized. Tried to call PayPal again - was also brought to the abrupt disconnect announcement. One last thing, I also tried to change my security questions on PayPal ( on a desktop computer ) and -you guessed it- problems there too. After changing the XXXX questions, it says " Sorry, something went wrong. Please try again. '' So I did. And again. Same problem. So how am I supposed to ensure the same dirtbag doesn't hack into my account again if I can't update the security questions? This is unacceptable for a company of this size and volume. The fraud protection, prevention, and resolution area is completely unprepared or unable to address unauthorized, criminal, and fraudulent activity. I think an investigation needs to occur at the company and in particular the tools and resources they've so poorly designed for the consumer. | ||||||
| 01/02/2017 | Yes |
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Web | Older American |
| My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. The policy stated I had to provide proof of return had to provide proof of return. That is all. The website actually required more than the proof of return. XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof. | ||||||
| 04/28/2023 | Yes |
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| Dear Sir/Madam, I am writing to you with regards to a pressing matter concerning my PayPal accounts XXXX My name is XXXX XXXX, and in the year XXXX, I processed about XXXX USD. Unfortunately, due to the unprecedented circumstances surrounding Covid-19, I was unable to deliver some of my orders on time. As a result, I received complaints from some customers, which led to PayPal freezing my accounts. They stated that after 180 days, I would be able to withdraw the funds. After the 180-day period had passed, I checked my accounts, but there was no money in them. To my dismay, I discovered that PayPal had withdrawn all the funds to their accounts. Since then, I have been tirelessly trying to get in touch with PayPal, but to no avail. After contacting PayPal customer service for numerous times, I was eventually able to get an answer and it was the account has a negative balance because of a refund and now my account was with a collection company. I even received letters from this collection company based in XXXX XXXX. During my interactions with the customer service team, I have been informed that my account has been blocked due to a refund, and the account balance has been negative by {$130.00}. I want to clarify that I am not the reason for the negative balance in my account. I had over {$70000.00} USD in my account, and PayPal withdrew everything, which caused the negative balance. This was done by PayPal without my consent or knowledge. I have been asked by the customer service team to pay the negative balance to unlock my account and I can access the messages PayPal sends to me in regards to the issue, However, I am not in a position to pay that balance as all the money withdrawn by PayPal was from my credit cards, which are now maxed out and over limit. Most of the money invested in the business was from my credit cards. Now I am left with thousands of dollars in debt and having a hard time supporting my immediate family, including my XXXX child, my wife, and my elderly parents. I am writing to you today in the hope that you can assist me in resolving this matter. I would be grateful for any help that you can provide in retrieving my funds. Thank you for your understanding and prompt attention to this matter. Sincerely, XXXX XXXX | ||||||
| 03/04/2023 | Yes |
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| I am filing a complaint against PayPal regarding the sudden removal of all my funds from my account without any notification or explanation. I was using my PayPal account to accept donations for my game projects, and each incoming payment was labeled as a donation. I had been using PayPal for over two years without any issues. However, on XX/XX/2022, I received an email from PayPal stating that I could no longer do business with them and that my account was permanently banned. My balance was frozen for 180 days, and I was informed that I would be able to withdraw my funds after that period. Unfortunately, I never received any email after the 180 days, and on XX/XX/2022, I discovered that all of my funds had been removed from my account without any notification. I have tried to contact PayPal customer support multiple times to understand the reason behind the removal of my funds, but they have been unhelpful and only provided vague responses. Furthermore, I have never received any notification or warning about any policy violations or actions that would lead to the removal of my funds. I suspect that the reason for the sudden removal of my funds may be due to the fact that I registered my PayPal account in XXXX but logged in from XXXX. I am a XXXX citizen who was living in XXXX, and I registered my PayPal account using my Indonesian document, bank account, and mobile number. However, due to unforeseen circumstances, I was unable to return to XXXX and had to log in from XXXX. I believe that PayPal 's actions are unjustified, and I request that my funds be returned to my account immediately so that I can withdraw them. The total amount of funds removed from my account was {$5200.00}, which were all labeled as donations from individuals who supported my game projects. To summarize, my problem with PayPal includes the following : Sudden removal of all funds from my PayPal account without any notification or explanation Lack of communication or assistance from PayPal customer support Possible unjustified removal of funds due to logging in from a different country than the one where the account was registered Request for the immediate return of the funds to my account so that I can withdraw them Thank you for your attention to this matter. | ||||||
| 06/07/2018 | Yes |
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| Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above | ||||||
| 09/29/2016 | Yes |
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| My complaint is with PayPal Credit Services and about their business practices related to easy access to and disclosure of " PROMOTIONAL BALANCES '' information in their consumer website. PayPal Credit offers 6 months, NO INTEREST, option with most merchants, for purchases above {$99.00}. This is great, HOWEVER, when the consumer goes to their PayPal website to manage their account and PROMOTIONAL PURCHASES, there is no easy, clear way to find a link to " PROMOTIONAL BALANCES. '' This makes it nearly impossible for people to quickly check the expiring promotional balances and manage them appropriately so that the accumulated interests are not charged at the end of the period when they have missed the deadline. Any other of the several credit providers I deal with, have this SO VERY IMPORTANT ACCESS to my account information not only readily available, but also it state how much has been applied to that particular promotional purchase, how much is owed and when it expires. Since I have complained to PayPal about this issue several times now, and they have updated the user interface on their website since then, it is very difficult to not think that this is being done on purpose and to keep the consumer unaware of the expiring balances to then collect the accumulated interest rate. PayPal is failing to provide clear disclosure and easy access to my PROMOTIONAL BALANCES status ; a product that they offer as a " benefit '' to the consumer with conditions of payments or else penalty will be applied. Please understand that this information is there in the website, somewhere buried. I have gotten to it, but I could not tell you how. I also understand that this information is in the full statement which I would have to go to the statement, download it, to then see it. Please understand that I know the information is there somewhere, my complaint is that it should be READILY AVAILABLE WITH A LINK TO " PROMOTIONAL BALANCES '' ON THE OPENING/SUMARY PAGE. They have a VERY CLEAR, EASY LINK ON THE MERCHANT WEBSITES offering this product. WHY NOT DO THE SAME ON THEIR CONSUMER WEBSITE for consumers to be able to manage this commitment? For the busy lives today, it is crucial to be able to take care of these important aspects of life quickly and efficiently. | ||||||
| 04/13/2019 | Yes |
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| I have accidentally opened the US pay pal account. Thereafter, in order to solve this issue, have provided a more than sufficient proof of fact I am an XXXX citizen, ( therefore accidentally opened the US pay pal account ). here are some of my conversations with pay pal : XXXX XX/XX/19 at XXXX XXXX I had made more than 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for you to resolve these ones and for all. send me my money to my right XXXX pay-pay account! that is connected to : XXXX XXXX, I never had such a terrible customer experience XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I already told you it doesn't let me add a mobile number to my PayPal account, fix my problem. or ask somebody that can! XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I am an XXXX citizen my phone number is XXXX. I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore dissidently opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. resolve this issue once and for all and close my us account! XXXX XX/XX/19 at XXXX XXXX I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore accidentally opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. or to my debit card that is connected to this account, resolve this issue once and for all! I tried to send it to my debit card, not working. fix this! its taking too much time and effort! The full details of my case are in the record of US pay pal customer service ), It's too much to detail here. I had made more than a 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for pay pal to resolve it ones and for all. | ||||||
| 08/02/2021 | Yes |
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Web | Older American |
| On XX/XX/21, I purchased online from XXXX XXXX XXXX using PayPal to pay in the amount of {$48.00}. The website appeared to be XXXX XXXX outlet clothing but is XXXX scam/counterfeit site, one of many this company advertises on XXXX. I did not receive an order acknowledgment from the vendor directly but learned from PayPal 's email of the transaction that the company 's name is XXXX. My VISA has been charged by PayPal on XX/XX/21. I attempted to contact the vendor but they have no phone number, nor customer service number or email to contact them. The vendor 's website contact form does not work. I suspected from the email that they were a scam site and called PayPal customer service immediately on XX/XX/21 to stop the transaction. I also contacted the real XXXX XXXX via XXXX and they confirmed that the XXXX is not theirs. PayPal 's customer service representative indicated that because the transaction had already gone through, they had no way of knowing that it was a counterfeit site and I had to file a dispute online. On XX/XX/XXXX I immediately went to my PayPal account and filed CASE ID XXXX through PayPal 's online resolution center to dispute the transaction. I considered the transaction unauthorized because PayPal did not give me other options to check. According to PayPal 's Buyer Protection plan advertised on their website, I had 180 days to let them know if the item is defective or counterfeit. I received an email on XXXX at XXXX XXXX EST indicating that my dispute case had been denied and filed an appeal. On XXXX, I received another email from XXXX indicating that my appeal had been refused. PayPal is not honoring their advertised buyer protection ( paypal.com/ph/webapps/mpp/paypal-buyer-protection ) and by honoring these transactions is actively encouraging sale of counterfeit items and fraudulent credit card charges to consumers. I have contacted my VISA company to dispute the transaction in the hope that they can research the problem accurately and reverse this transaction. I have also contacted the Attorney General 's Office in my state to file a similar complaint. Consumers should have some protection from e-commerce fraud and this company should be investigated by the FBI as well for their illegitimate/counterfeit websites. | ||||||
| 09/28/2023 | Yes |
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Web | Servicemember |
| I received an email from PayPal, on XX/XX/XXXX, stating my account is permanently limited after a review. I called on XX/XX/XXXX and asked a customer service agent, why was my account limited, she said I can not give you that answer, I then asked for a supervisor and he said PayPal, will contact me within 24-48 hours, they never contacted me. I called again on XX/XX/XXXX, I talked with account manager XXXX, he said PayPal would contact me and once again, they did not. I had 2 XXXX 's with PayPal as soon as my account was limited, I sold my XXXX and PayPal, charged me a fee of about {$90.00}, but I was not allowed to transfer my {$5600.00} to my Bank account. I read PayPal 's user agreement, it says after 180 days my money can be released and transfered, however, it's been 214 days and I still can not transfer my money. I sold my XXXX {$2600.00} XXXX and that is also not able to be transfered to my Bank. PayPal, charged me about {$39.00}. Interesting PayPal, takes a transaction Fee, for both XXXX and XXXX but still will not release my money! I even tried to make a formal complaint but PayPal 's site wouldn't allow me, too. I signed up with PayPal back in XXXX, when I was selling on XXXX, never had an issue until out of nowhere, PayPal, limits my account and " never '' gave me and explanation, truly unprofessional and poor business practice. I then called after the 180 days, and the customer agent stated if I'm eligible or if I qualify, then I will receive my money, I've " never '' heard of such profound nonsense in my life, I have to qualify for " My Money '', its outrageous to even mention something that absurd and foolish! Bottom line PayPal, is operating rogue and doing whatever they want to, with my hard earned money, and I'm not going to allow them to steal " My Money ''. Something Needs to be done with this Unethical business, they do not understand customer service and certainly operates with no regard to there customers, meaning me and I'm sure many others, as the internet shows All the lawsuits against this company, that are ongoing. I would hope the new CEO, is ethical and professional unlike the former one, XXXX XXXX! Warning do not use PayPal, or you too may have sleepless nights, hoping and praying you get your money back. | ||||||
| 03/23/2022 | Yes |
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| Hello. My name is XXXX XXXX. My number is ( XXXX ) XXXX. I have recently been the victim of fraud by the Venmo application. You may or may not be aware of the Venmo application made by Paypal to send money from individual to individual using linked bank accounts and debit cards, similar to XXXX. Recently on XX/XX/XXXX, my friend XXXX XXXX was having issues with this application. She had {$300.00} in her account but was unable to utilize the instant cashout option to deposit the money instantaneously into her account for I believe a 1.5 % hit ( this is a service Venmo usually offers ). However, since it was unavailable to her and she needed money immediately, she sent me money through Venmo, I successfully was able to withdraw the money instantaneously into my bank account, I withdrew it as cash, and I gave it to her. I took the 1.5 % hit since I was the one utilizing the instant withdrawal service. This past weekend, I received an email from Venmo. I have attached it for your reference. We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your Venmo account to cover it. Therefore, they froze my account and say I must pay them {$300.00} to recover my account. I spoke to this friend of mine - its my best friends sister who also happens to be on her way to becoming a doctor. She stated she did NOT request a chargeback and there is no money in her Venmo account. So they did not give her the money back and they expect me to also pay them {$300.00}. This is completely inappropriate. My friend XXXX has also stated she has been having problems with Venmo. This is a pattern. I am afraid that if I dont pay Venmo this {$300.00} that they do not deserve, that my credit score will start going down. Please help me to fix this situation. I emailed Venmo, replied to their email, I called, I chatted with their agents, and this problem has not been resolved. Everyone I speak to keeps saying they will escalate but I have not received any emails indicating any escalation. I dont know where else to turn. I believe Venmo could be doing this to others as well and want to make sure its isolated at the very least and not a pattern of fraud. Thank you kindly for looking into my situation. | ||||||
| 01/04/2022 | Yes |
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| hello my name is XXXX. This is about my account I had with venmo. in XXXX, I last sent money to a friend of mine. After that venmo froze my account with my {$200.00} and requesting my ID. I told them at the time I didn't feel comfortable, and questioned why they froze my account. They kept saying the same thing to send my ID before unfreezing my account. Really impersonal. ive had issues with my ID and the internet and the past, and I felt unsure about sending my ID over to these random virtual agenrs, with their prerecorded messages requesting my ID. after about a week or so, I desperately need the rest of my money so I asked if I could close my account and just get my money out. They denied me. So finally I sent my ID as requested. I didn't hear from them for a few days, so I went on the live chat to see if I could send it over to them and they could possibl just accept my ID and unfreeze my funds. After talking online to their live chat they informed me that I need a different department for that and if I send my ID in chat they would forward it and make sure they receive my ID at the appropriate dept. I waited a few days and FINALLY I got a response. NOW they wanted me to verifymy debit cards by sending my transactions from 2 of my debit cards and one of a debit card that wasn't even mine??? First of a of all, they said my account would be unfroze as soon as I sent my ID. they repeatedly asked me for it, so when I finally sent it they didn't even acknowledge it and wanted me to send more personal data! I don't know what they are doing with my ID but after questing why I needed to send more data, they permenatley terminated my account and kept my {$200.00}! They said any decision they made was finally and not done lightly and they are going to keep my money for XXXX $ days in which they'll possibly reach out to me to return! And any email I reply after will be ignored and deleted! They STOLE my ID and stole my money! My account is not part of any money laundering or fraud that was my money! I can't reach anyone at Venmo and I'm really upset! Please help me venmo is stealing my money!!! if you can help i would most appreciate I got scammed! Thank you My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA Venmo acct XXXX XXXX | ||||||
| 03/23/2021 | Yes |
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| PayPal XXXX XXXX CFPB Report Summary : PayPal has wrongfully billed me for a fraudulent {$650.00} transaction even after they resolved a PayPal dispute in my favor. During this process I filed a chargeback with XXXX and then cancelled it. They claim XXXX took the money from PayPal, but XXXX confirms I cancelled the chargeback and PayPal accepted the dispute in their favor. PayPal debited me after the date XXXX says PayPal accepted that PayPal had won the chargeback. At this point, I am out {$650.00} and have no recourse because XXXX says they sent the money back to PayPal but PayPal says XXXX sent the money to me. XXXX did everything they were supposed to, but PayPal is still erroneously charging me. Timeline : XXXX I purchased a very large tool chest on XXXX for {$650.00} including tax and shipping. XXXX A substantially different item is delivered by freight XXXX Item return started XXXX Seller promises refund XXXX Item picked up by freight delivery company XXXX No refund, opened PayPal dispute XXXX PayPal issues temporary refund of {$650.00}, but their automated system refuses to accept my info because it is not a XXXX or XXXX tracking number. Tried multiple times to communicate that the return was via local freight and there was no tracking number. Offered security camera evidence of XXXX XXXX workers in a XXXX XXXX truck picking up the merchandise, PayPal refused. XXXX PayPal closes the dispute in fraudulent seller 's favor, sets PayPal balance to - {$650.00} XXXX PayPal attaches {$650.00} charge to an unrelated purchase without warning XXXX Chargeback imitated at XXXX for {$650.00} XXXX PayPal reopens case XXXX I cancelled chargeback with XXXX, resolving it in favor of PayPal. No credit to my XXXX account required. XXXX PayPal researches my evidence and closes the case in my favor, refunding me {$650.00} XXXX PayPal sends a second notice telling me they closed the case in my favor and that they had already processed the refund. XXXX Without warning, PayPal charged me {$650.00}. Upon inquiry they claimed I had not closed the chargeback and they were collecting the funds XXXX had refunded me. XXXX PayPal and XXXX complete settlement of the dispute with PayPal confirming to XXXX that the dispute was resolved in PayPals favor. | ||||||
| 06/09/2019 | Yes |
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| On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. Paypal debited my account for XXXX and the XXXX debited my account for XXXX. I called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. Since it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. On XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. Problem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. - New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. - Existing card holder should be notified that someone else is attempted to add there card for use. If PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. Resolution : I want the person who stole my credit card information to be PROSECUTED ASAP. The broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. PayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. I want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable. | ||||||
| 04/25/2018 | Yes |
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| This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities | ||||||
| 08/06/2022 | Yes |
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| I opened up an account with venmo on XX/XX/2022 and had money transferred to my account the day I opened it and within 2 hours or so my account was temporarily frozen without any explanation as to why I talked to venmo on several occasions via email and phone yet I got no real answers so on XX/XX/XXXX I noticed some discrepancies on my account and pointed this out to venmo hoping this would resolve there original issue however it did not in fact it only made matters worse because even though ID been clearly hacked by some unknown person which at first venmo agreed with that as well suddenly though they decided that they didn't believe I was the rightful owner of my account and asked for a copy of my state ID and me taking a selfie holding my ID which I gladly did so on numerous occasions I even sent them a video of me holding my ID and my social security card and all 3 debit cards Ive got linked to my venmo account however I still got nothing back from them other then my ID was expired which it is not they said its in black and white which it clearly is not its in full color and they said its being obstructed visually in some way which it Wasnt whatsoever Ive sent them copies 9 seperate times both with just my ID and me holding my ID and yet they still haven t unfrozen my account and now have suspended it as well which took place on my XXXX 2022 and yet again told me nothing as to why my account is now not only temporarily frozen but suspended as well Ive gotten a few emails from venmo stating that they are very sorry about the delays but that I should just be patient and cooperate with the venmo specialists working on my case and that's basically all they ever say there's never any real communication between me and venmo 's specialists they literally are now just placating me and have no real intention of ever releasing my funds to me I believe and im now about to loose my home because the money that there holding was for my rent and since they have frozen/suspended my account I cant access my rightful funds to pay my back rent and am terrified that I may loose my home and will be XXXX so please if someone could help me figure this out and talk with venmo on my behalf to get this resolved ASAP ID be so very grateful ... thank you | ||||||
| 11/10/2018 | Yes |
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Web | |
| I am a seller on XXXX. I use Paypal as there is no other real choice for sellers on XXXX, Paypal is where the financial transactions from XXXX sales are done. My XXXX sales are my primary source of income, so when the funds are made available in my Paypal account I transfer the money to my checking account. on XX/XX/2018 Paypal placed limitations on my account. The requested! : 1 : Photo ID - Which I submitted 2 : Provide proof of fulfillment - I submitted screenshots of XXXX listing with Shipping tracking # & confirmation of delivery of the order 3 : Provide purchase receipt from your supplier - I submitted an invoice for items I purchased ** This request struck me as intrusive, and bizarre. Why would Paypal be monitoring who my supplier is? Wouldn't XXXX if anyone be asking that? Also, as a seller on XXXX, not all items are supplied. Some are household items, or stuff we want to get rid of ... how could I possibly provide an invoice for that stuff? It's 4 days later and the case is still being reviewed. I'm unable to fulfill recently completed auctions, or ship those items as I purchase shipping via XXXX, which debits my Paypal account. I have a 100 % Positive feedback score on XXXX. ZERO negative. I've worked very hard to build my reputation. This situation with Paypal is jeopardizing my XXXX seller reputation, my buyer reputation ( I have an item I'm unable to complete the purchase of because again, MY funds are not available to me ) I have a postive account balance. No disputes. No issues from buyers. NO PROBLEMS WITH ANYTHING! I spoke with XXXX and they verified my account was in excellent shape, no issues. Since the account limitation was placed I have been forced to Cancel orders that I am unable to fulfill costing me nearly {$100.00} in lost sales. I am unable to withdrawl my own money, yet Paypal had still collected it's fee for every transaction! If Paypal collects it's fee, the order sent, and received by the buyer, why can paypal prevent me from accessing my own money??? It's unbelievable! It is hurting my ability to make a living, and its preventing me from fulfilling my sales, and obligations. Please help me. Calling Paypal takes 2 hours of hold time nly to be told I have to wait. This is hurting people! | ||||||
| 05/26/2017 | Yes |
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Web | Servicemember |
| XX/XX/XXXX To : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/XXXX California Attorney Generals Office Re : FAILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal. I have made purchases though XXXX, and PayPal is refusing to pay the sellers for items I have won via auctions when they have deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX, the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since XX/XX/XXXX and they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding XXXX my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals negligence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account Info | ||||||
| 12/01/2023 | Yes |
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| Ok so on XX/XX/ I received my Federal refund check in my PayPal account on this same day I knew I had past due bills that needed to be paid at once so first I contacted the power company by phone talk to a representative ask to make a payment he took my information I gave him my debit card info to make this payment after he gave me a confirmation number over the phone and also through my email that's on file. Ok about I say the middle of XXXX I had received another bill asking for the same amount I just paid but on this bill it stated they received payment of XXXX on the next day which was XXXX XXXX but payment was refund back in my account on XXXX XXXX. But I never received this payment back. So proceed to go check my account but I didn't see where it had been taken out or put back in there was nothing. Let me also say I made another payment using this same payment method to another company which is for a Gas company it processed it also went through and no problems with that one but I went and look at the transaction on my account didn't find any statements or anything about that payment either so I contact PayPal they obviously couldn't tell me anything so I went and done some investigating myself. Now I have been using PayPal for about 3 years now when I made the account they had already given me an account number and routing number. I've never talk to anybody through a bank service ever using this app now when I called my power company back around the end of XXXX the only information they could give me at this time was my payment was made by ACH which it couldn't have because I never gave my routing number or account number to anybody by phone and I didn't manually put any information in on my own I have two people that was in my presence at time to verify this statement. The supervisor of the company went forth to say they had my last 4 digits of my account number and a routing number to the bank this information is for. I didn't contact the bank because PayPal assisted to tell me this bank only issued me the card so there was no need to contact them about the situation. Well I XXXX this routing number and it pulled up the bank. Plz contact me for I have much more on this issue and I need to find out what's going on please | ||||||
| 09/20/2023 | Yes |
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| Since XX/XX/2023 PayPal Inc has subjected me and my family to emotional duress and undue hardship/XXXX anguish by denying me access to my own funds. On the XXXX of XX/XX/2023 I was involved in a serious XXXX XXXX XXXX that could have easily cost me my life. I was insured by XXXX XXXX XXXX and was issued a digital payment of {$10000.00} ( personal injury protection ). I was presented with XXXX options to receive the funds. Option 1 : Bank transfer- would take XXXX days to complete or option XXXX : have the funds deposited directly to a PayPal account for instant access to the funds. I chose option XXXX and the {$10000.00} was deposited to my PayPal account. I logged into my PayPal account confirmed the {$10000.00} was deposited and upon trying to withdraw my funds I was unable to do so. Since XX/XX/XXXX PayPal has repeatedly and unlawfully restricted me from accessing my own funds. My account was limited over XXXX times and I have sent in every document imaginable to prove my identity from my drivers license to bank statements, my social security card, proof of address etc. I was repeatedly informed that my transactions were being blocked by the internal security system, a security algorithm that PayPal uses to monitor transactions that is capable of making real-time decisions concerning peoples money without the ability to be over-ridden. I have spoken to over XXXX PayPal supervisors and have spoken to every department you can think of from the executive office to the escalations office to the global complaints and advocacy department, I have even reached out to my local media with concerns to this matter. I have spent literally sunrise to sunset on the phone with customer support, on 2 occasions nearly having a nervous breakdown. The record for the longest time spent on the phone with one of there agents was a whopping six hours and 42 minutes. There customer service front line agents are completely incompetent and offer no solution whatsoever outside the the standard " Please allow 24-72 hours before attempting the transaction again '' I have an endless amount of documentation to go along with this complaint and I am prepared to go to whatever length necessary to ensure that PayPal Is held accountable for there actions. | ||||||
| 05/25/2023 | Yes |
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| I received a bank notification around XXXX on XX/XX/2023 stating there was a suspicious log-in attempt to my mobile banking account and that they would lock the mobile banking until I was able to change the password. This prompted me to check my accounts, and I noticed there were 2 bank transfers to venmo of {$1000.00} and {$6000.00} made on XX/XX/XXXX after XXXX XXXX about 15 minutes apart. I didnt recognize these transactions, so I removed my bank information from Venmo and saw that the transfers were still pending. I called my bank ( XXXX XXXX XXXX ) the following day ( XX/XX/XXXX ) and changed my mobile banking information with the fraud specialist. The fraud specialist told me to check my email for anything suspicious and to change the password. I checked my email and didnt see any emails from Venmo notifying me of the transactions, which I thought was strange. I then checked my trash, and saw all of the emails from Venmo were in the trash. I realized someone had set a filter on my email that sent all Venmo emails to the trash. These emails stated that my venmo password was changed and that someone had added a new bank account a few hours earlier. I opened my venmo app and saw I was logged out. I was able to get back in through changing the password to both my email and my venmo account. The transfers still say they are pending. The following morning ( XX/XX/XXXX ) around XXXX, I received an email of suspicious login activity being blocked from my PayPal account. Nothing that I know of was retrieved through my PayPal account. I froze my credit the same morning. I then called XXXX XXXX XXXX to dispute the two transfers to Venmo, and noticed three activities on my checking account processing from the very same day, XXXX XXXX Account Verify. I then called my bank back and froze all of my accounts until further notice. I called XXXX XXXX to report this incident and they said that someone had access to my account number and attached my bank account to their XXXX XXXX. Whoever hacked my email has access to information like medical records, W2 and other tax forms with my SSN along with other loan information and vehicle information. I believe they may have retrieved my email information and banking account number from Venmo. | ||||||
| 11/24/2017 | Yes |
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| Here is what happened : 1. On XX/XX/XXXX I put a XXXX XXXX XXXX XXXX Unlocked smartphone up for sale on XXXX with no returns accepted. Proof : XXXX XXXX XXXX 2. OnXX/XX/XXXX, a XXXX XXXX in California purchased the device for {$580.00} + {$12.00} shipping and she paid through PayPal. 3. I shipped out the device within the next couple of days, and on XX/XX/XXXX the buyer confirmed that she received the device in perfect working order and that my service was perfect. However, she also requested to return the device. Proof : XXXX XXXX XXXX 4. In accordance with XXXX 's terms of service, I rightfully declined the return. 5. The buyer ( XXXX XXXX ) proceeded to dispute the payment ( {$580.00} + {$12.00} shipping ) with her financial institution. 6. PayPal contacted me regarding the dispute, and I sent them the proof that I have supplied you showing that the item was posted for sale with no returns accepted, and that the buyer acknowledged receiving the device. 7. About a week or two later I got a notification that the buyer 's financial institution decided in her favor, and they reversed the charge without requiring her to contact me or ship back the phone or send me the money in another way. 8. PayPal has now locked my account and is asking for the {$590.00} ( {$580.00} + {$12.00} shipping ) back from me, even though I do not have the phone. 9. I have contacted XXXX and PayPal many many times since then, requesting their help, but XXXX just tells me to talk to PayPal, and PayPal just tells me to talk to XXXX or the buyer directly, and that they can not give me the name of the buyer 's financial institution. 10. I contacted XXXX XXXX directly per PayPal 's suggestion, we had 1 discussion about this issue over the phone, she claimed she was not aware that the dispute was decided in her favor, and said she would have to catch up on email and get back to me. 11. Since our first contact over the phone, XXXX XXXX has blocked my phone number it seems and is not replying to my emails. 12. It appears she is trying to commit fraud and scam me out of the phone that I sold her and the money. PayPal and XXXX have done nothing to help in the situation and are completely denying any responsibility to aide in resolving the manner. | ||||||
| 03/09/2020 | Yes |
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| In the year XX/XX/XXXX, I was managing two small businesses ( XXXX and XXXX ). XXXX was providing on line computer support and XXXX XXXX was used for purchasing jewelry items through PayPal. After some time, PayPal sent me collection letters for {$780.00} for XXXX. I have tried to reach PayPal several times by Phone, Inter Office emails and even Certified Letters but I could not resolve the issues. In a call to PayPal on XX/XX/XXXX to their Dispute Dept. with XXXX, I was told that the Balance Due is only {$240.00}. On XX/XX/XXXX I received an e-mail statement that amount due is {$460.00}. ( See Exhibit B, Scan XXXX ). On XX/XX/XXXX sent a Certified mail to PayPal legal Dept. I received an e-mail response on XX/XX/XXXX. ( See Exhibit B, Scan XXXX ) explaining Debt Amount of {$780.00}. Surprisingly if you added those amounts, it come out to be {$780.00}. On XX/XX/XXXX PayPal sent me an email in response to my Second Certified letter, ( See Exhibit B Scan XXXX ) to call PayPal to resolve issues. In every call I spoke to different depts. and different people, every one giving different answers. No one would confirm that I have spoken to someone else before. I have sent several inter office emails for which I received an automated response for receiving email without any follow up. Previously, I have received several emails informing me that PayPal is withdrawing their money request. In their emails, there is no Case ID or transaction information. Also I have discovered some duplicate transactions showing negligence on part of PayPal. Even after realizing their mistakes amount due is always {$780.00} and it would not change. After many phone calls PayPal provided me with access to XXXX XXXX account I have discovered many unauthorized money transfers and several transactions still on hold in their records. ( See Exhibit A and its summary ). These transactions are from XX/XX/XXXX to XX/XX/XXXX. Access to XXXX account was not granted. After discussion with several PayPal Dept., I could not get any explanation on phone, by email or hard copy. My businesses have suffered losses and ending up closed because of these irregularities. It has affected my Credit also. I request your help in resolving this case. Thank you. XXXX XXXX XXXX | ||||||
| 08/07/2019 | Yes |
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| I am not having an issue with the actual company ( PayPal ) that the the monetary exchange happened on except for not being able to cancel the transaction. My problem is with the person who turned out to be a fraud or a scam on XXXX. On XX/XX/2019, a person messaged me on XXXX about having a certain concert ticket I was searching for. She sent me a screen shot of the ticket I was looking for and it all looked very legitimate. I even asked a friend and she agreed. She wanted me to send her the money through PayPal friends and family. It wasn't a large amount of money so I preceded to send the money. She said she went to verify that the money was there after I sent a screen shot of sending her the money. She was then supposed to email me the tickets. I messaged her twice and then fell asleep ( this was at bedtime ) and this morning I check and the account of the person no longer exists and I can not message her back, the messages are all grayed out and you can't see her profile or find her in a search ( at least under my name ). XXXX XXXX shows this message, " This message is no longer available because it was identified as abusive or marked as spam, '' as the last message I received from this so-called account. As I said I sent the money ( {$40.00} ) on PayPal and was charged a {$2.00} fee for being in another country ( said she was vacationing there and that's why she couldn't go to the concert and was selling her ticket ). I also sent as Friends and Family even though I know that wasn't the best idea but of course if the seller can avoid a fee they are going to try. should have known something was up then but although somewhat sketchy it was not a large amount of money I was paying so it also seemed somewhat legitimate. The money says its supposed to arrive on XX/XX/2019 but I still am unable to cancel the transaction on my PayPal. I realize this money probably won't be retrieved but after looking further into this afterwards, there seems to be lots of SPAM accounts and what concerns me is that this could possibly lead to identity theft or draining my accounts. The XXXX name/profile she used was XXXX XXXX XXXX or XXXX XXXX XXXX. It shows one way in XXXX XXXX but seems like it was the other way when I looked at her profile. | ||||||
| 05/31/2019 | Yes |
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| It is hard to vocalize how difficult it is to have deal with Paypal. The representatives trying to use anyway to take an advantage and charge illegal fees for friends and family option that supposed to be free at no charge between Paypal members. They invite to add other cards on Paypal account and after that they try to charge credit cards for option family and friends and completely blocked free option and stay ignored on my inquires, emails and messages. Resolution center does not allow opening the case for any of my inquiry that they could have no records of their outrageous power abuse and my attempts to get through. They use anyway to keep their hands on my money and play with that and I have to work hard every day to XXXX them to move my money to family per my request. I was waiting since XX/XX/19 and I began to communicate in writing with Paypal to move my money and we got exhausted. Paypal representatives act blind and/or like they do not understand English and try to redirect my inquiries to a different issue that they made up and trying to talk to me to apply for debit business card. I had extremely difficult times to get a PayPal debit card. They lied constantly until finally I got it. But now I need a replacement card and they act like blind on my request in writing and deleted that option when I could just click on and order the replacement card. They try to block me from every possible way to access my money that they imprisoned. They imprisoned my money and charged fees that they refused to return and now even imprisoned my wishes and actions. These four transactions that they used their power abuse to charge illegal fees for family and friends transactions : Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Transaction ID XXXX family and friends request sent for {$2100.00} and Paypal does not allow me to use family and friends option and want to charge my credit cards. My Cash Money {$2800.00} on my account and they blocked my money from me. Please help. They keep their Resolution Center corrupted that does not allow to open the case against the inside abuse. They act like thieves. | ||||||
| 07/15/2017 | Yes |
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| About a week ago, I contacted Paypal about my paypal account being closed with a remaining balance to the credit card I have with them. The only way I am able to make payments towards the account, is to be able to login to that account. They closed my account and locked me out because I opened that specific account with them when I was XXXX . I am now XXXX years old, and I opened a credit card with them about 2 years ago. I was over the age of 18 when I applied for the credit card with them. They recently locked my account so I can not log in to make my payments. Why are they just noticing now that I opened the paypal account when I was XXXX ? I have about {$500.00} balance to pay off with them and now I cant log in to make the payments.. I called and spoke to a manager and said I can make payments over the phone. Well, trying to make payments over the phone is very difficult as when I call, I have to be on a waiting list to talk to someone instead of simply logging in to make a payment. The manager said that my account is locked and that I cant regain access because when I opened the account, I was under 18. He said another option is to make a new paypal account and transfer that balance by applying for another credit card but that it may affect my credit score. This is very unprofessional that they would lock me out from my account when I have to make monthly payments!! If I cant make these payments, I will hurt my credit score and get charged interest when this is not my fault.. I do n't care if they close my current account but I want to pay off my credit card balance first.. I cant keep calling to wait 35-50minutes over the phone to make a payment. It 's inconvenient for me when it takes 1 minute to just log into my paypal account and make a payment. When I go online to the paypal help center to see how to make a payment over the phone, they ask me to log into my account to get a code to make an easy payment. Well, I cant even log into my account to get that code to pay.. So how am I supposed to make a payment?! This company is going to turn my XXXX credit score into crap. I am a dependable borrower but Paypal is going to hurt that status. I need them to give me access to my account until I pay off the balance.. | ||||||
| 04/28/2022 | Yes |
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| I opened a PayPal business account complete with my and used it in conjunction with my XXXX account. On XX/XX/2022 at XXXX PM PDT I received my first payment via PayPal for a service rendered to a customer through a XXXX XXXX XXXX The fund were added to my account but placed on hold due to my account being limited. I updated the service to reflect that it was a service and not a product so there would be no shipping. This then let me know that I would receive my funds by XX/XX/XXXX. Upon adding my bank account, PayPal let me know that I needed to submit more verification before I could lift a 21 day limitation and actually deposit the funds. The requested verification was a copy of my driver 's license for ownership and to confirm my business details including name, address, phone number, and what my business category was. I filled in the information correctly and had my business listed under services, other services, and filled in the box with full-spectrum doula services. The last time I was able to see the verification screen, it showed that drivers license had been verified and the business information was pending. Shortly after that I received 2 emails from PayPal letting me know that there and that my funds would be held for up to 180 days with these Ref ID - XXXX and Ref ID - XXXX. I called PayPal to see how to resolve this issue, customer service said they weren't sure why the account was shut down and said they would see if a secondary review would change anything but that would take up to 48 hours and wasn't sure to do anything. I let them know I have all the legal information required as my business is an LLC with its own bank account and EIN, which have also been provided to PayPal. They said I could call them back if no one reached out and they would try the process again. I have read that other businesses have experienced similar problems and ended up stuck in a loop of waiting for a secondary review which never comes or they are eventually told there's nothing to be done and their accounts will be locked permanently. I would like to have this resolved as soon as possible because I am a small business and not having this money for 6 months is not an option. I have bills to pay and I've done nothing wrong. | ||||||
| 03/08/2023 | Yes |
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| On XX/XX/XXXX I sent my roommate rent on Venmo for {$1400.00}. Unfortunately, I was scammed trying to sell a bedframe and later that day I requested to have the {$1400.00} sent back to me until I had the funds since my account went to the negatives. My roommate sent XXXX payments back to me, on XX/XX/XXXX for {$250.00}, and on XX/XX/XXXX for {$1200.00} totaling the {$1400.00}. On XX/XX/XXXX, I sent my roommate back {$1000.00} to cover rent and I ended up paying the other {$400.00} in cash to him. Venmo is saying I owe them {$1400.00} since they covered the {$1400.00} sent to my roommate on the XXXX when my account did not have the funds. However, my roommate did not keep the money he sent the {$1400.00} back. On the XXXX when I sent the {$1000.00} venmo acknowledged I had the funds and it was debited from my account. Therefore, if the {$1000.00} that I paid for rent was taken from my account, why would I suddenly owe an additional {$1400.00} for rent again and not just {$400.00} if anything? Since the {$1000.00} Should have and would have been applied to the original {$1400.00} I sent. I understand the funds were sent from venmo when I did not have the sufficient funds. However, the money was sent back to my account and they debited it before I had it. I pay {$1400.00} for rent, they debited {$1000.00} for that month for my rent and acknowledged it went through. I can not afford to pay the equivalent of 2 months rent because Venmo thinks I owe them {$1400.00}. Therefore, to summarize : {$1400.00} was sent to my roommate, and that same day that same {$1400.00} was sent back meaning my roommate that day received {$0.00}. Venmo claims they sent my roommate the {$1400.00} and that I must pay them back because he has it. 5 days later, {$1000.00} was sent back to my roommate to cover rent, why not take that {$1000.00} as part of the debt they claim I have? By venmo asking for a payment of {$1400.00} that would literally be stealing my money as {$1000.00} was already sent back and covered. However, I do not owe them anything BECAUSE MY ROOMATE SENT IT BACK THAT SAME DAY MEANING HE NEVER HAD THEIR {$1400.00} THEY CLAIM TO HAVE. Please help I am desperate at this point as I can not afford to pay a debt that I DO NOT OWE. | ||||||
| 08/21/2018 | Yes |
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| On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me. | ||||||
| 10/11/2023 | Yes |
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| on XX/XX/XXXX a received money on my PayPal account from a XXXX XXXX. i asked him what the money was for and began looking into Paypal scams. immediately i found that people sometimes send money and then ask for a refund at the same time canceling the transaction which lead to the getting paid twice. i did not send the payment and i alerted PayPal. i let them know that i had not sold him anything and that this was a scam. i do not sell anything on my PayPal. it is a private account i have had since XXXX i use it to pay bills and make secured transactions. in XXXX through my business website which was created by XXXX and payments are powered by XXXX. i opted to accept Paypal as a form of payment in XXXX and somehow it then started sending payments to Paypal instead of to my business account which i did not sign up for. PayPal is now holding {$1600.00} dollars of my funds against my will, written instruction and consent. these are violations of my rights and the law. This isalso a breach of contract, a violation of paypals own by laws and multitudes of State law. this is unjust enrichment, conversion, false and misleading practices, deceptive trade practice, fraud, unfair business practice. there are multitudes of MN state violations as well. including but not limited to the MDTPA, MCPA, MDCPA, MUCC and multiple violations of the MN bill of rights. Due to the nature of these violations PayPal would be liable not only through its own arbitration agreement but also to the FTC, CFPB, SEC, IRS, MN attorney general and several other authorities. I am hoping to cure this matter in an effective and efficient manner. Paypal will absolutely not hold my money for 6 months. this will be considered opportunity to cure any further violations shall be deemed as willful. i am giving 7 days to release funds and return my account to proper standing or else i will be forced to pursue all methods at my disposal. Paypal is registered with the IRS and the state of Minnesota and this mean the agree to abide by the rules i expect immediate compliance. i would also like to note that Paypal does not have certificate of authority to transact business in several states and annual renewals are overdue. the account in dispute is account id XXXX XXXX | ||||||
| 07/23/2022 | Yes |
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| On XXXX I added a new bank account to my Venmo app. I began a bank transfer of funds for {$1000.00} out of the {$3000.00} total balance. The transfer failed and immediately my venmo acccount was " suspended for violation of use ''. Confused, I called the customer service line to be told that she saw my account was frozen but did not see a reason why. She told me that I would receive an email from a third party account specialist in 6-7 days and she had no other way to assist. I sent two emails to the Venmo email customer service seeking assistance in withdrawing my money. On XXXX My email was replied to by account supervisor XXXX and still provided to answer to why my account was suspended or how to access my funds. I replied to his email asking for clear clarification of those same questions on XXXX. He never replied to that follow up email. On XXXX Still having no response to my urgent questions, I sent supervisor XXXX XXXX follow up email and called customer service. They said the only way to communicate my concerns was through email and general customer service ( the only customer service offered ) could be of no assistance On XXXX Again having no response or way to access my {$3000.00}, I conducted a customer service chat and was informed that now the 6-7 day wait time to even get a response from Venmo account specialists turned in to a possible 3 week wait time to get a response. I expressed my frustration and desire to simply withdraw my funds from Venmo. On XXXX Still having no response from the account supervisors via email from my emails sent on XXXX ad XX/XX/13, I reached out to Venmo customer service via chat. Once again, I was provided no answer to why my account was suspended, how I could access the {$3000.00} of a balance in XXXX, and no contact information or method to contact a general account supervisor or an account specialist. XXXX 's only solution was to " be more patient ''. On XXXX Again having no answer or assistance in accessing my {$3000.00} ( now, 16 days after the original account freeze ), I again sent an email to the account supervisor XXXX requesting an explanation to why my account was in violation and how I could access and remove my funds today. I have yet to receive a response. | ||||||
| 06/17/2015 | Yes |
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| I have received around {$800.00} in overdraft charges from my bank because I am unable to control Paypal funding sources. Paypal requires that a bank account be linked to the account, and then you also add a credit card for backup funding. I have tried multiple times to modify the priority of withdrawal so that my credit card is the backup source to the paypal balance. Even though I thought I was successful in changing the priority of funds, there were other conditions that I can not easily see or understand causing a draw attempt against my bank. During my most recent calls I tried to have the undesired bank completely removed from the account. The call ended with the phone service rep telling me I could n't do it because there was a pending charge still open ( on XXXX of the overdrafts ) and once that settled I would be able to close. After the charge settled I was still unable to close. I tried over and over, and then stumbled upon a billing agreements section, I also cancelled accounts and made changes, but even those were not effective. Today I called again to complain. The Service Rep to me that charges XXXX go to the balance, then go to bank and then other funding sources. I asked then why is there an option for a backup funding source if Paypal still attempting to withdraw from my bank? I read to her the settings that were applied to XXXX of my billing agreements ( XXXX ) it clearly was set to Balance, then my XXXX CC. She had a XXXX sec silence and could n't respond. This was the tipping point for me, I asked her to cancel my account completely .... she was unable to do this, again stating that because of another open transaction she couldnt do it and that I would need to wait for that to settle. They fooled me on that XXXX in the previous call and it cost me another {$70.00} in fees, so I persisted in requesting that all billing agreements be cancelled. She said she did, and I was online when she said that she performed this, but when I checked, many of the accounts were still active. And again I asked why she could n't simply shut down my account. Frustrated I asked a second time for a supervisor. She placed me on hold and then a few minutes later the call dropped ... I came straight here to provide complaint | ||||||
| 03/06/2023 | Yes |
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| This problem consists of multiple issues. Venmo uses an inconsistent format for its amounts, displaying decimal point and cents in the lower right corner of the payment screen, but not in the payment entry area. Please keep in mind that this is usually accessed on a small screen that can be hard to read, especially for older, far-sighted individuals on-the-go who might not have their glasses available, thus making it easy to see that there is dollars and cents in the lower right, so it must be dollars and cents they are entering ; thus, if you enter XXXX, and see just XXXX on the screen with no XXXX following and no period, one would think that perhaps you just can't see the period as a tiny dot on a small phone screen when in reality, the XXXX means {$920.00} when properly formatted. Furthermore, Venmo has no features to allow and encourage customers to set alerts for XXXX amounts. Instead, they will send such a payment through with no way to edit it later, even if caught quickly. This was the case for me with a transaction I made on Sunday, XX/XX/2023 around XXXX when I intended to pay a local self-serve farm stand {$9.00} through Venmo. The farmer contacted me early the next morning to let me know there was a mistake and the transaction had gone through for {$920.00}, but he saw no way to edit it and asked if I could cancel it from my end. He said he was worried about the {$20.00} fee from Venmo for such a large amount. When I looked into editing or canceling the transaction, the Venmo site said that he would have to pay me {$920.00} back, so they would then be collecting not {$20.00}, but {$40.00} on this mistake, plus whatever their take would be for the {$9.00} it should've been. I found this to be a ridiculous price to pay to correct a mistake that was due to their poor, inconsistent interface and lack of standard features that other companies offer, so I called them. They refused to assist on the phone. I spoke to XXXX XXXX case # XXXX ). I threatened to close my account. They said fine, close it, so I did. They then froze the farmer 's account for days when he tried to call to correct it from his end, effectively punishing him for trying to do the right thing, and for not kowtowing to their outrageous fees. | ||||||
| 03/07/2021 | Yes |
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| My wife ( XXXX XXXX ) received settlement from XXXX XXXX XXXX in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face with PayPal stealing our money. I have already submitted the requested documents to Paypal and recieved and email staing they will be holding my {$8500.00} for 180 day/6 months! This practice is unexceptable and something must be done about this! I cjoose Paypal as an option and this was a bad choice! Paypal is not a bank its an App os this type of pratice should be out lawed and regulated! I dont need Paypal to hold any money for me my wife and I were entitled to this money from XXXX XXXX due to a Car accident we were in. This was my wife ( XXXX XXXX ) settlement check she opted to have sent to her via Paypal! We are in jeopardy of being evicted and due to the Pandemic our jobs and business has slowed up. Causing or bills to get behind. Our family REALLY need this money! So please help us fix this problem and Reinstate my account so that we can have access to the money {$8500.00} that rightfully belongs to us NOT!! Paypal!!! | ||||||
| 10/24/2020 | Yes |
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Web | Servicemember |
| To me this boils down to one overarching issue and I can only guess that I'm just 1 of 100 's of thousands of Americans who have experienced this. Issue : XXXX/PayPal XXXX have too much reliance upon automated algorithms for customer account security at the expense of simply allowing customers to prove account ownership via answering questions. Both companies claim they have limited parameters for consumer questions and when exhausted can not provide account access. Their response is simply to " open a new account '' and will not provide any reasons for such actions. Consumer recourse to reach a human agent on the phone of either company is nested so deep in their websites that it is nearly impossible to reach a human agent for timely resolution of account issues. Additionally, when those resources are found within their websites many times it then asks for the consumer to login to make contact with the company from the same accounts they are currently locked out of. Thus creating a loop where the consumer has even more limited options of reaching the company for assistance. Timeline : XX/XX/2020 - I spent 3 hours tediously web chatting with eBay until finally reaching an agent on the phone who was able to provide access. XX/XX/XXXX. 2020 - I spent 2 hours tediously web chatting with PayPal and was never able to speak with an agent. My account access was never restored during that time even after answering all of their questions with 100 % accuracy. These two dates only represent account lockouts happening since I began documenting the interactions across the XXXX/PayPal XXXX as there have been multiple prior occurrences even though I use both companies very infrequently. It's also worth noting the account lockouts occurred after I had successfully logged in to XXXX and PayPal respectively earlier on both days prior to the account lockout. These two dates also represent the longest periods of account lockout and in the case of PayPal, there is no resolution to-date. In the case of PayPal which is a registered XXXX XXXX XXXX ( XXXX Registration Number : XXXX ) with XXXX, Im amazed that they are able to wield so much power over consumer finances yet offer so little consumer service and fair reporting. | ||||||
| 12/22/2020 | Yes |
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Web | Servicemember |
| I would refer to the attached documentation, when able, as I have been as thorough as possible. Even after being as diligent as possible in preparing this complaint, however, I realized I had missed several emails in regards to the dispute involving an unauthorized withdrawal to the PayPal Giving Fund. Thus, I want to make very clear -- I am very confused and very frustrated with the actions of the relevant parties, which provide the basis for this complaint. I have not received even a semi-plausible explanation for how my authorization to donate {$1.00} to a world hunger organization resulted in {$48.00} being deducted from my checking account, during a span of time I needed it most. I have been given different, and conflicting, and arguably suspect, explanations by various representatives of PayPal and, at this point, I am honestly disgusted. Their reputation as far as credibility is non-existent to me as of the date of this letter, although I have been a long-time, loyal, and responsible consumer. As far as who ended up with, and still possesses, my money -- I just don't know. I realized just earlier today that the dispute I opened re the transaction is apparently with the PayPal Giving Fund. I fail to understand how PayPal is unable to resolve a conflict with their own ... with someone associated with their own company 's name. On XXXX/XXXX/2020, a PayPal customer service representative blamed XXXX for the THEFT. On XXXX/XXXX/2020, a credible and extremely helpful XXXX representative dispelled that falsehood. Yesterday, I had my most disappointing, and arguably disturbing, communication with PayPal CS yet. After giving me the run-around for over 10 minutes, this representative insisted {$48.00} was deducted because I had a negative balance in my PayPal account of {$37.00}, due to the XX/XX/2020 XXXX payment apparently never being fulfilled. It is very difficult to provide a complete documentation of all relevant facts, dates, amounts, etc., when the very individuals who claim, who are employed, to " serve '' or help the consumer, are dishonest and/or opaque. The long wait times, and wondering, like yesterday, if a supervisor was actually even available or would ever come to the phone do not help. | ||||||
| 07/18/2021 | Yes |
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| This complaint is regarding Paypal. I was a Paypal customer for over a decade with no problems. On Thursday, XX/XX/XXXX I received an email stating that my account was permanently " limited '' ( closed ) but no reason was given. When I called the company I was told that I had violated one of the prohibited action provisions in their User Agreement, but none of the three people I spoke with could tell me which one. I reviewed their prohibited actions, and I am certain that I did not violate any. I have offered to prove this several times but was only told that this " type of violation '' was " irreversible. '' However, no one could or would tell me what " type of violation '' this was. There was some increased activity on my account just before it was closed : typically I just use Paypal for online purchases or donations. However, I had recently laid out funds for an event for a community group I am part of, and some members were paying me back. I received three payments of {$33.00} each before the account was shut down. I offered to prove all of this to Paypal, and sent them screen caps of the receipt for the event, and emails discussing the reimbursements, and received only a form response which made it seem very likely that no one had even looked at what I had sent them. In addition, Paypal has frozen the {$99.00} that had been paid to me, and I received an email that after 180 days they will inform me of how I can obtain the funds ( not that they would release the funds or credit my account, just that they would inform me of how I can obtain them ). In doing some research online, it is clear that I am not the only person Paypal has done this to. A quick XXXX searched turned up this discussion on their own community message board that contains many very similar stories : XXXX : XXXX. Many of these people have lost far more money and endured greater hardship than I have. Fortunately, I do not rely on Paypal for my income. I am hoping that you can look into this, and that Paypal can at least be made to have some sort of dispute resolution process, rather than simply kicking people off, accusing them of violating the User Agreement with no proof, and ( most likely ) just keeping their money. Thank you. | ||||||
| 06/28/2020 | Yes |
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Web | Older American |
| On XX/XX/2020, a Sunday, I noticed my Paypal account was showing 10 unauthorized transactions. They were occurring even as I looked at my account online. They were for items mostly around $ XXXX dollars for distillery product, groceries, XXXX, XXXX, clothes, and more. The total was around {$230.00} before I could change my security settings such as pin, password, and add a code by phone prior to use debit card. I had my debit Mastercard and nobody else had a copy. Nobody else was given my pin for the card either. It was like somebody had my card and pin in a store and was buying things. It appeared to be an inside hack job or maybe stole a skim for my Paypal debit master card. I reported this to resolution. I tried to call Paypal to report some unauthorized activity but no live person was available. The activity stopped after I changed the pin or increased security measures that evening. I had not used my Paypal card for several days prior to this. I have not used it since XX/XX/2020 either. The next day my personal bank account began receiving charges from Paypal. It is strange that I did not have my bank set for auto back-up as the activity was occurring. Yet the charges were forwarded to be paid by my XXXX XXXX account. I reported to XXXX immediately to block these unauthorized charges. Eventually, XXXX did it and would not allow Paypal to transfer charges to my bank account. I did not have my bank pay any charges and have blocked them from getting to my personal XXXX account. I have tried to close the account with Paypal. There is a credit of about {$35.00} in the Paypal account. I do not care about that since I had not used it for any of the unauthorized charges. My account is " Limited '' by Paypal and they even wanted me to give them my PW for my XXXX account and a copy of my statement. It is apparent that Paypal is not accepting the activity on XX/XX/2020 as unauthorized. I am surprised by this since Paypal had generally been helpful for many years as a safe way to do online transactions. Paypal is not allowing me to close the account online. I have written a half dozen messages to explain to me how this could happen. They do not respond and just leave the account dangling in a " Limited '' status. | ||||||
| 11/23/2019 | Yes |
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| I do personal sales as a hobby in XXXX. so I had to open a paypal account. I opened a paypal account on XXXX. I approved my credit card on the same date. I made a sale on XXXX on XXXX and received my payment. After that XXXX date I made a sale again on and got my payment. XXXX products hold funds until customer is delivered. I added my bank account on XXXX and it was approved. paypal wanted my identity document date on XXXX sent the same day and confirmed. I made a resale on XXXX on XXXX. Released my XXXX funds on XXXX. I wanted to withdraw my money. and paypal closed my account without emailing me. same day from me identity document, supplier invoice and cargo information of the products I sell. i sent them all. then I spoke to a customer representative for live help. and told me to wait. 2 days later I entered my account. completely closed my account without sending me an email. paypal confiscated my XXXX dollars money. and he said I couldn't get this money for six months. how this happens. I re-entered my account on XXXX and this time he asked me for a photo of my ssn card. said the numbers should look. I sent my ssn card and ID again. these are not a bank. why he wanted to use my documents many times? and again approved my papers. but still did not release my money. I called them many times. I've e-mailed 5 times. i wrote on XXXX and XXXX. they never answered my mail. they never told me an excuse. they just confiscated my money and said wait 180 days. this is not true. and never not transparent. they confiscate people 's money. I don't want to use them anymore. and i just want my money back. XXXX dollars is a big money. I am not rich. I am a worker in XXXX. i need this money. I made expenses for these products. and that was all my money. I have no money to hire a lawyer. please help me. I did not do anything bad. i sold shoes only. how do they do this after I have approved all my documents. he has to ask for paperwork when opening an account. but paypal never does that. confirms account first. requests paperwork after money arrives and closes account. this is never true. they asked me for all my legal documents even though they were not a bank. Please help me please Paypal account XXXX XXXX XXXX XXXX | ||||||
| 12/02/2023 | Yes |
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| I was scammed by someone stating that I owed money for missing a court date to the XXXX Police Department on Sunday, XX/XX/XXXX. I sent the money through PayPal to a XXXX XXXX for {$720.00} plus a {$21.00} PayPal service fee for an amount totaling {$740.00}. I was told to meet with someone at the XXXX Police Department later that afternoon. When I got to the police department, I was told by someone who worked there that the person I spoke to on the phone was using the name of someone who used to work at the department and that it was a scam. I filed a report with the XXXX Police Department and was told to also file a report with the police department where I lived, the XXXX XXXX Police Department. I filed a report with the XXXX XXXX Police Department on XXXX, XX/XX/XXXX -- the following report is attached. The case number with the XXXX Bank is # XXXX. I received a credit from my bank for the amount taken ( {$740.00} ) shortly after the incident and those involved at the bank said they were going to look into the case. The case was denied on XXXX XXXXXX/XX/2023 and the funds were taken back. The case was then reopened on Friday, XXXX XXXX because XXXX Bank and PayPal did not have the actual police report from the XXXX XXXX Police Department beforehand. Following this, I was told from representatives at XXXX Bank that I needed to get something in writing from PayPal stating that they would approve a credit for the funds, which they never provided. I was told when I called PayPal that since the bank was handling the case now, there was nothing further they could do. A representative at XXXX Bank stated on XXXX XXXX XXXX that if a document of any kind ( email, written document, etc. ) is provided at some point from PayPal stating they approve a credit for the amount taken, they could approve giving back the funds. I am not sure why Paypal can not provide this information and if this is not resolved, further legal action is going to be taken. I will note that there is a supplement to the original police report from the XXXX XXXX Police Department since the first report did not have the correct amount taken. The supplemental report was taken down on XXXX, XXXX XXXX -- the following document is also attached. | ||||||
| 11/30/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Dear PayPal, I am writing on behalf of my limited PayPal account due to receiving benefits as money owed from a friend. On XX/XX/XXXX, I created a PayPal account ( " Account '' ) at which time I agreed to PayPal 's user agreement ( " User Agreement '' ). On XX/XX/XXXX my account was limited due to the unemployment benefit that was received into my PayPal account. Although the unemployment benefit wasn't in my name but it was received as money payback from a friend in debt to me. My friend asked for my account and routing number not knowing it was Unemployment Benefit. Upon receiving the money my account got limited temporarily, which I was definitely expecting due to the high cash flow and recent scams going on. Later On my account got limited permanently which mad me very worried and concerned. I was told I was to wait XXXX days upon withdrawal, I made several complaint but I got no response. unfortunately I forgot about it due to the ongoing Pandemic. So I'm writing this E-mail to kindly forward this to your technical team for withdrawal of my money that has been held for quite a long period of time. Based on your policy it states : Pursuant to the Restricted Activities & Holds section of the User Agreement, In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) Additionally, you must not Send or receive what we reasonably believe to be potentially fraudulent funds. Based on what happened I didn't violate any of this policy, my friend paid me back with unemployment benefit, if you need any documents proving so I'll forward it to you and also I don't mind coming over to your office with my friend and also all the XXXX XXXX unemployment benefit application document and also a lawyer. I hope this mail finds you well kindly note this has also been forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX. | ||||||
| 05/22/2020 | Yes |
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| I had a charge for a recurring service with XXXX XXXX ( XXXX Texas ). After the park had stopped operation due to health concerns and regulations, the merchant continued to charge my account. Prior to the park closing, as well as after, I repeatedly tried to get the merchant to stop charging my card. I never ( as of XX/XX/2020 ) received a response from all of the given options to contact them. I then reached out to their online national chat support and was told that the parks are responsible for, and manage all memberships, and that national chat support can not. After a couple of class action lawsuits were filed XXXX XXXX set up an automated system to 'pause ' account until the parks re-open. That has paused the account going forward as a temporary solution. I requested Venmo to investigate the matter as I was no longer authorizing the merchant to charge my card. Venmo then requested more information all of which I sent as a reply to the email as was requested. They declined the complaint citing the requested additional information was never provided. I reached out to them again stating I did provide the information. They asked me to upload it a different way to re-evaluate. They then requested 'more ' information again most if not all was repeated questions with different wording. I sent that as well though. Again I was told I did not reply and the case was again declined. I reached out a third time and again was asked to upload the information a different way. I received confirmation they had received it and that the team would reply within 3 business days. I have received no response from either the person that forwarded the information to nor the 'team ' and it has now been over 3 days. I started this process with the actual date of XX/XX/2020 as the case opening and have yet to get either a reasonable and justifiable explanation as to why they feel XXXX XXXX was correct to charge the card, or a chargeback to the merchant. I have now requested an update from Venmo as well but feel that the roundabout information and claims that Venmo has made are improper to say the least. I would appreciate any support that can be provided regarding this matter with either the CFPB or the merchants involved. | ||||||
| 08/28/2020 | Yes |
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| Purchased items on XXXX on XX/XX/XXXX from scam seller XXXX who and goes by 2 different names, XXXX XXXX and XXXX XXXX of XXXX, MI ( possibly 1 other state as well ). Items were mini beauty samples ( about XXXX in total ). They were all advertised as BRAND NEW. Sale was agreed to by both parties on XXXX ( have fully documented sale post and 1-1 conversation with seller ) and transacted through Paypal goods and services. Seller sent package but many items were missing, and many items were used/empty. Contacted seller for many weeks to give her a fair chance to respond, but she never responded - she ghosted me. In the meantime, another XXXX XXXX/XXXX user contacted me telling me she saw the purchase I made and asked if I received my items. I told her I did, but many were missing and empty. She told me she also agreed to purchase items from the seller and sent the seller {$100.00} through paypal, but never received anything. We stayed in touch as we both tried to contact the seller multiple times over the next couple of weeks, but the seller had disappeared. We both opened cases with paypal. Hers was fixed immediately as the seller never sent anything and had no tracking number for that buyer. My case was taking longer since the seller did ship items though they were not at all as described or promised. XXXX strung me along for over 2 months with their " investigation ''. I replied at every turn sending them the info and documentation they requested. On XX/XX/XXXX, I missed a communication from them that required I file a police report and send it to them for my case to continue. I don't even know if the police would have taken me seriously. Because I did not provide a police report, paypal automatically found in the seller 's favor. Because their investigation took over 2 months ( was originally filed on XX/XX/XXXX ) my bank says they are unable to dispute it because they can not dispute anything prior to XX/XX/XXXX and this transaction took place on XX/XX/XXXX. Because of the egregious amount of time paypal took to complete their " investigation '' I am now out of luck with a scammy seller. Paypal has refused to appeal or reopen the case, I was on the phone with them for over 2 hours this morning. | ||||||
| 02/17/2023 | Yes |
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| On XX/XX/XXXX my friend lent me money to go to my mother 's who lives hours away so I can help her because she recently had XXXX and she has nobody else. Well there was no possible way that I was able to get the funds off, so I sent the money back to my friend and she tried another way but it didn't work it required her to do some other things she did not have time for so she sent it back to me through this app. Now weeks before this I use this app or account with the same bank they're saying that I can't use now wants verified, I use this service and I was able to transfer money to my husband and then deposit the rest of the money into the account that I was not able to use on the XXXX of XXXX. So I did what they said I sent them the bank statements and everything they wanted and not good enough. But anyways let me backtrack again so I wasn't able to get the funds off and I needed it ASAP, and I read when I googled it what I can do to get the money off of the account was I could use a prepaid card debit card. So I tried that and everything I tried was declined. And then I tried to send money to my friend who has a debit card through this account and he was going to take it off for me then and give me the money. But that was declined and then my account became Frozen. I got an email from a girl named XXXX and she asked for documents that I sent them back in XX/XX/XXXX but anyways I sent the documents and to verify my identity, address and bank statements. I sent those on XX/XX/XXXX and I have not heard nothing back from her even though I messaged her many times, I called support I cried to them, I used to chat box, but nothing has been done yet. I can not get an email back from this XXXX girl. I've done all that was asked of me. I begged and pleaded because this is all the money I have to get to my mother 's. But no response and after calling customer support on XX/XX/XXXX I tried calling again the next day but got a message saying number was disconnected. This company which is Venmo wouldn't accept or let me use my bank account I was able to use weeks ago or anything I tried from the beginning with this money. I was supposed to be at my mom 's Sunday morning and because of Venmo she's been alone. | ||||||
| 01/12/2022 | Yes |
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| Hello so on XXXX, I was contacted by someone pretending to be XXXX XXXX owner of XXXX located in : XXXX XXXX XXXX KY, XXXX. So the scammer contacted me through XXXX XXXX pretending to be XXXX since I was looking for a pair of sneakers. We talked and everything and agreed on a price despite there being red flags. We agreed on PayPal friends and family payment. Lucky for my wallet the funds did not go through the bank linked as my payment method ; However, PayPal ended up sending the funds and remained pending for around 2 days or so thinking the movement will be canceled since the funds were never there in my payment method. Once this happen I contacted PayPal to have the movement cancelled since the person getting the funds is a scammer and i was told the transaction wont go through. Forwards a few days later my PayPal account was at a negative XXXX and I made an attempt to dispute the negative balance even dough no funds were ever taken from the bank account. I got constant emails about the overdue negative balance and I reached out to XXXX for help but nothing. I looked into the terms and conditions for PayPal more specifically terms and conditions for sending money to another PayPal account. I never found anything stating that if the payment fails due to insufficient funds, PayPal themselves will pay for the transaction and charge my account. I reached out to a PayPal customer service representative to see if they have any knowledge and if so where would I find such in PayPal terms and conditions or anywhere. I attached the conversation. To summarize it, the agent mentioned that paypal will send the funds anyways even if PayPal is a payment processor and that this is not mentioned in the terms and conditions. Basically PayPal is acting without informing or mentioning the user before/after using their service. Later on PayPal sold the negative balance ( PayPal account ) We are writing to let you know that we sold your PayPal Account ( identified below ) to XXXX XXXX XXXX XXXX XXXX Please review this case since Ive contacted the XXXX and they have been of no help and PayPal blocked me from accessing the account making me unable to take screenshots of me contacting them about the scam. | ||||||
| 01/10/2022 | Yes |
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| Problem : Requesting a physical check for the full balance in my PayPal account On XX/XX/2022, I called PayPal Customer Service at XXXX and talked with XXXX who confirmed the PayPal Policy that a customer can " Request a check by mail ( Get it in 5-10 days for {$1.00} ) '', but she said that the customer must use the system to link debit/credit cards and a bank account number for an e-check to be transferred to my bank account. " Request a check by mail '' is NOT an e-check, as it involves sending a physical check via the U.S. Post Office. XXXX had already confirmed that the phone number I was calling from was on my account profile. Also, she could have asked me my mailing address and confirmed that it was correct on my account profile, but she did not. PayPal should be able to confirm a customer 's identity and mailing address via the phone, as other financial institutions do by asking questions. XXXX placed my call on hold at least twice, I'm assuming to talk to her supervisors. But to no avail, she insisted I use their system which clearly provides an option to click on to " Request a check by mail - Get it in 5-10 days for {$1.00} ''. See attached screen shot. But when I select it, it tries to force me to set up BOTH a debit/credit card and a bank account number. I suspect that what PayPal is really trying to do is prevent customers from closing their accounts. Having more services and products linked to the account prevents customers from closing their account. Given that my money in my PayPal account is NOT FDIC insured, I do not want to give them access to my bank routing and bank account number. No other financial institution requires me to sign up for more services or link other bank accounts to withdraw funds from my account when my intent is to close this account! They have denied me the ability to receive a physical check for the full amount in my PayPal account for {$1.00} fee on the call ; even though, I have a screen shot that clearly shows their company policy allows this. I also followed up with the same request to their email " XXXX '' after the call including a willingness to send them an image of my driver 's license, but as of XX/XX/2022 I have not received an email reply. | ||||||
| 12/29/2021 | Yes |
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| PayPal says I am responsible for two fraudulent charges on my PayPal account these charges were done at the same time through my PayPal account by means of autofill that attached to my bank. One transaction was for {$100.00} the other was for {$60.00}. Because I had my bank linked to the card and PayPal account when the transactions were sent to the merchant my bank account was charged {$110.00} and {$60.00} to credit my PayPal account with enough money for the people that made these fraudulent transactions to make them. I have given PayPal ample time and as much cooperation as possible to show them that I did not make these purchases I have not received any goods or services from the companies that PayPal things I authorized payments too I also did not authorize the bank transfer as that was a automatic system in place for me to use I had no idea my account was compromised I did not know that I was hacked but from the evidence I have provided I did everything in my power to try to stop this transaction from going through and I was still ruled against and now I am liable to pay back the provincial credit they gave me until the case was solved. I say the case was never solved and was not looked into good enough if my PayPal account was compromised it was not my doing as my phone is protected through malware and antivirus software and I used two identification factors including and not limited to my biometric fingerprints. As I did not make these purchases authorize them or receive anything from the merchants that the payments were given to it is obvious that my account was hacked and that these charges were fraudulent. PayPal made a hasty ruling band this isn't fair or an ethical business practice to charge someone for something they did not even do. I also escalated a dispute with my XXXX XXXX XXXX account to tell them I did not authorize the two transfers to PayPal one in the amount of {$110.00} the other in the amount of {$60.00} dollars I do not want my bank account to be affected by this unreasonable and unfair ruling against me. This is all PayPal 's fault and they are the ones liable and should be held responsible for their failure to investigate and properly serve Justice were justices do. | ||||||
| 04/03/2021 | Yes |
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| PayPal is repeating its nasty practice of opening a debit card for my account without asking for my consent. This is described in details in this blog : https : XXXX It happened to me for the second time today. Here 's the start of the email I just received. The email message does contain a hyperlink to " If you decide not to use it, you can close the card. '' but visiting that hyperlink lands you on a general settings page with no option to " close the card ''. I had to search the web to find out that I needed to go to a hyperlink of " http : //www.paypal.com/nothanks ''. It is unacceptable for a company to persist in such a despicable practice for over a year! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : XXXX XXXX to : xxx xxx XXXX date : XXXX XXXX XXXX XXXX XXXX subject : We're mailing you a debit card to provide instant access to your PayPal balance. mailed-by : paypal.com signed-by : paypal.com Now you'll have instant access to your balance To provide you instant access to the money in your PayPal business account, weve updated your account to include the no-annual-fee PayPal Business Debit Mastercard. Well ship your debit card shortly. The PayPal Business Debit MasterCard is a new benefit to your existing PayPal Business account. It is not a credit card and no credit report was pulled. The decision to send you this card was based on your history as a PayPal customer. The debit card makes it easy for you to : Earn unlimited 1 % cash back on eligible purchases, paid monthly.1 Spend your PayPal balance everywhere Mastercard is accepted. Withdraw cash from your PayPal balance from ATMs or at participating retailers around the world.2 The instant payments hit your PayPal account, youll have access. Well send you an email when your card ships. The card will arrive about 7-10 days later in a PayPal envelope marked " Time-Sensitive Information Enclosed. '' Be sure to activate the card right away. If you decide not to use it, you can close the card. Once youve closed it, please destroy and securely dispose of it. We appreciate your business and hope youll enjoy this added benefit. Find out more about the PayPal Business Debit Mastercard. | ||||||
| 08/03/2020 | Yes |
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| I hired a XXXX XXXX on XX/XX/2020, under the impression that he was a paralegal working for XXXX XXXX XXXX or XXXX XXXX XXXX, a supposed firm based at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hired him to help me file a small claims case, which involved sensitive legal information, including all evidence, prep discussions ( demand letters, who to serve, how to serve, laws broken/codes, etc ). He insisted that I pay him via PayPal " Friends and Family, '' so that he wouldn't have to pay business fees normally due ... a business. Since then, he has been unresponsive to questions ( never really answering them ; writing back in incomplete sentences or broken English, etc ), always late in getting back to me ( anywhere from several days to a week or more ) and has not provided a single document or served a single defendant in the case. I need to move this case along for urgent financial reasons. In my last communication with him, I requested him to provide some evidence that he had been doing work on the case, as I had paid for ... but he never responded. I have all emails and documents pertaining to my communications with this XXXX XXXX. I am out {$560.00} because I trusted XXXX XXXX XXXX as a legitimate legal service provider. When you go to their website, XXXX, you will find nothing of the sort, but a broken website. Further, he has communicated to me with a regular XXXX account, with no domain name assigned ; a non-professional email. I opened a dispute with PayPal Credit 's XXXX XXXX Credit Card about this transaction. I supplied all evidence to them of this man 's communications, etc, and they have only dragged their feet and provided not even a provisionary refund to my account. I do not feel PayPal is taking this matter seriously at all, and is using COVID19 as an excuse to avoid doing their jobs. They are completely unreachable by phone, and it is very difficult to reach their partner, XXXX XXXX, in this matter. Whenever I am able to finally reach them, they refuse to provide any updates on the case, and tell me to wait 60 days. I am not comfortable waiting for my rights to disappear under some unknown statute of limitations here. It has been long enough. I need a resolution promptly. | ||||||
| 12/07/2022 | Yes |
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| This is regarding a PayPal account. PayPal customer service has been nearly impossible to reach, and when they responded they did not help but instead tried to connect me ( again ) to a chatbot. I would like to close my account because at this point I am unable to access it, and they are effectively holding my account and banking information without my permission. I am unable to log in to my account because it currently has a security feature that requires a 6-digit code from an Authentication app ( XXXX XXXX XXXX. That app was on my old XXXX, which is broken and discarded. I have a new XXXX with the same phone number but the XXXX app data can not be transferred to the new phone. Without the XXXX code, I can not access my PayPal account XXXX I contacted PayPal phone support to request that XXXX and the Authentication security be temporarily removed from my account so that I can set it up on my new phone. PayPal 's phone recording says they can not help by phone and can send a text message link to a PayPal XXXX assistant. I sent a message via the chatbot, and 6 hours later received 5 responses from PayPal : Every response said to log in to my PayPal account Message Center to retrieve the message, which I can not do because I'm locked out of the account. The customer service via chatbot has not responded to any more messages. I then contacted PayPal via XXXX XXXX : After 8 hours, a customer service agent responded and asked for my username, which I had already provided. I provided the username and 12 hours later, the PayPal rep via XXXX told me they could not help and to contact PayPal by telephone. They gave me the phone number that tells people they can not respond by phone, and which connects customers to the chatbox assistant. The PayPal XXXX customer support has not answered any further inquiries in several hours. I believe my banking information, stored with PayPal, is being held hostage with no way to access or delete my account. I do not believe that I have funds stored with PayPal, but I am not certain and can not check. I will be happy to provide my username upon request. I have two accounts with PayPal and am currently trying to close both accounts as a result of this experience. | ||||||
| 09/05/2022 | Yes |
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| On XXXX XX/XX/2022, I logged into my Paypal account to transfer funds/pay my XX/XX/2022 rent. At this point, I noticed a discrepancy in my account balance. Soon following, I viewed 2 unauthorized ATM transactions totaling the amount of {$960.00}. Immediately, I phoned a Paypal representative & informed them that the 2 transactions [ see below ] were unauthorized & not made by me. XX/XX/2022 at XXXXXXXX XXXX XXXX Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD XX/XX/2022 at XXXXXXXX XXXX XXXX Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD The Paypal representative assisted me in placing the 2 cases in the Resolution Center. Also, he stated : I would hear a decision within 14 days. Dispute Case ID PP-D-xxx Dispute Case ID PP-D-xxx Approximately 5 hours later, I received an email stating both cases had been denied. Yet, the email stated no reasons for the denial. Nor did the email state any path to rebut Paypals findings. Instead, I was informed If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution Please be informed : Seldom, I have used this card for ATM withdrawals. I have never withdrawn large amounts of money in odd amounts. Example ; {$480.00} [ twice ]. In both instances ; the ATM withdrawal times were inconsistent with my Paypal history. [ XXXXXXXX XXXX & XXXXXXXX XXXX ]. The transactions were unauthorized. And, I responded in a timely fashion. I am requesting a copy of the documentation used in the investigation of my case. I am requesting the name, address & phone number of your law firm and/or litigation department XXXX I am formally requesting the reversal/refund of the 2 previously mentioned transactions totaling {$960.00}. Denial of my claim will cause severe hardship. I will be unable to pay my XX/XX/2022 rent & may be evicted. It is my understanding that Paypal insures zero liability for unauthorized transactions. And, I hope that Paypal will honor this policy & approve my request in good faith. | ||||||
| 11/30/2023 | Yes |
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| The PayPal sales and collection service portal has retained our funds, which were obtained from the sale of an event in the month of XXXX and XXXX. We began sales on XX/XX/XXXX with its paypal collection system linked to our online ticket sales website called XXXX The event took place on XX/XX/2023, Paypal charged all transactions and froze the money without any explanation. Several reports have been raised in their callcenter without giving us a valid or favorable response, and the only solution they present to us is to wait longer for the funds to be released. Days after the event, disputes began to appear, which are normal in this type of event, but of the 42 cases in dispute they only represent a small percentage and in which that percentage of money remains in reserve, with no explanation given. 100 % of the funds and those withheld. The total funds withheld are {>= $1,000,000} XXXX We understand this part in that only a percentage is left in reserve to resolve disputes ( {$100000.00} XXXX ) but not the total funds, which are clean and without disputes. Even the disputes have no claims by the customer only appeared in our paypal account which are held. Our disagreement is because 100 % of our sales are being withheld, which generates uncertainty and problems with our suppliers. And as mentioned above, Paypal 's answer is what should we wait and wait for longer. In Paypal 's Policies it mentions that the customer has 21 days to mention whether they are satisfied with the sale, and 32 business days have already passed since the first sales transaction and the funds are still being held. Another point that can not be accepted is that when I contact their call center, they never have a supervisor or manager to deal with major problems, in addition they cut off the calls and never make a call back, the waiting times for attention. They are getting longer and longer and I feel like I am being blocked by them from being able to connect the call. More than 30 calls have been made to their call center, sometimes with friendly people, other times arrogant, others lying that they will release the funds in 5 days, which has never happened, and in general no one solves our problem. | ||||||
| 03/25/2023 | Yes |
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| I am writing to file a complaint against PayPal for failing to fairly assess and resolve a dispute regarding an unauthorized transaction on my account. I am seeking your assistance in obtaining a refund of {$78.00} USD from XXXX XXXX XXXX for a subscription to XXXX that was cancelled in XX/XX/XXXX. As a loyal PayPal user, I trusted that the platform would be able to resolve this issue. Unfortunately, I have been unsuccessful in obtaining a refund for the unauthorized transaction. Here are the facts : - I previously had a subscription to XXXX for a few months which was facilitated through PayPal. - I cancelled the subscription in XX/XX/XXXX, and XXXX stopped charging me per the cancellation. - XXXX then resumed charging me in XX/XX/XXXX, without my authorization. - I made a complaint to XXXX, but they did not resolve the issue and directed me to contact PayPal. - I filed a dispute with PayPal and provided all the requested information on XX/XX/XXXX, including seller information for XXXX XXXX XXXX, and invoice ID XXXX. PayPal provided me with case ID XXXX XXXX - I also provided evidence of the cancelled status and the billing agreement ( although I was unclear on what the billing agreement referred to and asked PayPal to notify me if this was incorrect ). However, my case was denied for not providing the requested information, even though I supplied all the information they asked for the same day. I do not believe PayPal has fairly assessed my dispute and has closed this dispute in order not to lose money. I believe that PayPal may have violated relevant laws, including Reg E and UDAAP. Regulation E outlines the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers, and the unauthorized transaction through PayPal may fall under the definition of an electronic fund transfer. Furthermore, the alleged failure of PayPal to fairly assess the dispute and provide a refund could potentially be considered a deceptive practice under UDAAP. I am seeking your assistance in resolving this issue and obtaining a refund for the unauthorized transaction. I appreciate your attention to this matter and look forward to hearing back from you soon. | ||||||
| 08/26/2021 | Yes |
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| On Monday, XX/XX/2021 I initiated a bank transfer from my checking account at XXXX XXXX to my account with Paypal. While the Paypal website indicates it takes XXXX to XXXX business days to complete a transfer, I find this unacceptable. All banks today are capable of completing a wire transfer within a few minutes and an ACH payment in XXXX hours. After initiating the transfer at approximately XXXX AM on XX/XX/2021, I was alerted at XXXX AM on Tuesday, XX/XX/2021 that the funds had been withdrawn from my XXXX checking account. Later on XX/XX/2021 I contacted Paypal to find out when the funds would be available in my Paypal account. They only stated XXXX - 5 days. The Paypal website indicated funds would be available by XXXX PM on XX/XX/2021. On XX/XX/2021 I contacted Paypal again. I explained that I was concerned that the funds had left my XXXX XXXX checking account at XXXX AM on Tuesday, XX/XX/2021 and that the funds are not available or pending in my Paypal account. I asked if they could tell me where my funds were and they were not able to do so. I then inquired if it was possible to have the transaction reversed, and again they told me I was not able to do that. I contacted XXXX XXXX and asked if they would be able to cancel the transfer. Since the funds had already been withdrawn from my account, they could not cancel the transfer from XXXX XXXX. I am concerned that Paypal is holding funds unnecessarily and for prolonged amounts of time in order to profit from these funds being held on the inrta-day money market or by other means using my funds to their benefit and to my detriment. Further, because Paypal is unable or unwilling to offer a reasonable explanation as to why it takes so much longer for them to comlete a transaction compared with other banks and online financial services companies, I feel they should be held liable to show proof as to why the transfer process takes the amount of time they state it does. They have the ability to instantly transfer funds between banks and other payment services, so why does this type of transfer require up to XXXX business days? I can transfer funds around the world many times in 5 days through multiple institutions and currencies. | ||||||
| 08/21/2021 | Yes |
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| Purchase of {$47.00} on XX/XX/2021, using PayPal for payment. URL : XXXX XXXX XXXX Seller info Transaction ID XXXX Delivered XX/XX/2021 Upon receiving the item, was clearly not as described. Appears to be a complete scam. Contacted seller, requested refund. Offered 50 %, then 60 % refund. Ultimately PayPal offered 100 % refund but requires " me '' to ship the goods back to XXXX, at my expense. I have no issues returning the item but not at my expense. Getting the run around. The cost of shipping to XXXX with tracking is more than the requested refund. Complete scam. This also seems to be a regular scam with PayPal and XXXX based merchants you should be addressing. For reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text from the PayPal dispute provided below, case XXXX. Requesting a full refund. {$47.00}. The item received was not as advertised. Appears to be a complete scam. Looks like a cheap piece of plastic made and painted by a XXXX year old. Claims ( from the attached screenshots labeled " As Advertised XXXX '' ) " XXXX Full Metal Car Engine Assembly Kit '' Not true, single piece of plastic, no moving parts. Not an assembly kit. " car engine build kit is designed based on inline gasoline engine, but work with electric motor instead of gasoline '' Picture with an electric motor attached. No electric motor provided. No moving parts. " This four-cylinder engine is sent with kit ( 500pcs+ ) with a metal box ''. Not true, ONE plastic piece. Missing 499+ parts. " The whole process is close to the professional assembly line process. Its interesting and full of experience '' Not true, nothing to assemble. Complete garbage. " High Craftsmanship : The whole car engine is made of metal. With XXXX precision casting process, aluminum alloy oxidation, looks gorgeous. Ideal for gift collection. '' Not true. Not metal. " XXXX XXXX That Works : Working Principle - It is an electric engine, works with electric motor and 700 mah lithium battery. Under full power state, it works around 30 mins. '' Not true. No moving parts. Not electric motor. No Battery. Works for 0 minutes. I could keep going if needed. Please see the attached screenshots. | ||||||
| 10/19/2022 | Yes |
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| I made a {$74.00} purchase from XXXX on my account on XX/XX/2022 ( transaction # XXXX ). I canceled the ticket with the company. I was meant to receive a refund of 80 % of my purchase ( {$59.00} ). I have not received the refund. I contacted PayPal and filed a dispute. They replied with a very confusing message about requiring more information by XX/XX/2022. I replied saying I did not understand but sent them the information contained here ( in the form of a copy of the transaction information from their website and a receipt from the company ). They closed the dispute in the seller 's favor because I did not reply as requested ; however, their own website shows I replied on XX/XX/2022 and the documents I attached. I have been trying to contact PayPal via telephone as I am not able to resolve this online. This weekend I spent several hours on the phone. PayPal 's automated system is geared toward not allowing consumers to speak to a person. When I did get through ( after holding for many minutes, I was disconnected once, told I needed to speak to another department and then transferred back into the same queue I had just left. I was finally able to get someone to help me and I was told I needed to speak to someone in another department. I begged not to be transferred and received the telephone number. Today I have called this number but again it is geared toward getting me to go to the website ( this does not help as they have closed the dispute ). Once I did get placed in a queue to speak to someone, the message states it will be 45 minutes to over an hour. I waited for 30 minutes and was disconnected. I can not resolve this issue without speaking to a person who is both competent and properly trained. PayPal is a large financial institution that is not behaving as an ethical and responsible financial institution. While I understand that I can not be dealt with immediately, I should not be left to feel that I am dealing with a man in a back alley buying black-market currency. I should be able to contact a person without having to deal with a electronic system that is either poorly designed or designed to shield PayPal from being accountable for their mistakes or poor customer service. | ||||||
| 10/25/2021 | Yes |
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| 1. I was sent {$990.00} via PayPal over three weeks ago and I still am waiting for the final dispersement of those funds to me. 2. I was, before the funds were frozen, allowed to spend a token amount with no notification that they would take access to the funds away. 3. At every option, I chose to pay extra for instant payout services and never received them. 4. I have paid nearly {$200.00} to PayPal in processing fees that did not result in the expedited action that was to occur. {$990.00} has been reduced to {$810.00}, and I still havent received the last {$210.00} of that. I received no benefit from selecting these " instant transfer '' options, instead experiencing serious financial hardship. 5. PayPal 's policy to return the fees if the transaction is delayed for any reason, displayed prominently whenever an instant transfer is offered, has not been honored for transactions throughout this ordeal -- they refuse to make good on their promises, defrauding me, and likely other customers, effectively holding onto funds without providing any reason at all, and taking additional money into their possession for expedited services they have no intention to provide. 6. In response to queries regarding the status of the funds, a common theme is to claim that they can not disclose reasons for " looking into '' aspects of the holds, citing their use of technologies that do not allow for said insight or overrides to do the right thing and release my funds after promised periods of time. 7. PayPal is in violation of laws, rules and regulations on various levels designed to prevent huge companies from harassing their customers like this, causing financial distress and reducing the customers quality of life. 8. I am demanding an explanation of said delays, a refund of all fees assessed for services not rendered, and a full and final release of my funds into my possession. If penalties are available to prevent PayPal from harassing others with their awful practices, I implore the CFPB to pursue them or give me the option to do so. Thank you. A fast review of this companies practices would be great as I can't by food or tend to my responsibilities if I don't have access to this valuable resource. | ||||||
| 09/28/2020 | Yes |
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| XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). At the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. Below are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card - negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. It took a while to know what was happening and the first thing I did was to change the password for paypal account. Disputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. I tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. I responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. I even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. I couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team. | ||||||
| 08/01/2022 | Yes |
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| Good Morning ; I am a normal good-hearted tax paying citizen of the United States XXXX I am writing to inquire as to the reasoning that Venmo would have a money transmitter 's license if they fail to transmit money when needed. They have committed a most Grievous offense against me with no explanation offered whatsoever. I am stranded at a gas pump on state line late on Sunday evening without a XXXX to my name. I contracted XXXX this last week and it cost me much more than I had readily available to make this trip. I borrowed money from a friend who sent it to me via Venmo and it has been locked in my account with no means to withdraw it. It would not withdraw directly to my linked XXXX XXXX XXXX Account, and when I try to link my debit card associated to the same account, an error appears claiming the ZIPcode, which I have had for well over a year with this very same bank account, is not valid. Upon attempting to send the money back to my friend, my account was locked. The support hotline was of zero help whatsoever and informed me that it could take up to 3 weeks to be resolved due to the high volume of cases they are handling. In what quasi-functioning universe is this even acceptable? We are talking about US DOLLARS held hostage by gross negligence. My safety is at risk. I am literally stranded. Being a money transmitter and accepting fees for transmitting money would insinuate the service Works without fail? That XXXX support should be accessible for ANY issue that may arise? I urge that this case is investigated immediately, as I am assuredly one of the few having this issue with the wit to know whom to ask and whom to report to. Feel free to contact me by thus email with further questions. My support ticket # is : XXXX Under no circumstance whatsoever should a user 's funds be locked without a given reason. This organization offers an account and routing number, a card and banking services. I want answers and I am scared. Please help. Attached screenshot shows I violated terms of service and doesn't explain how. By attempting to send the {$300.00} I could not withdraw BACK to the dear friend who sent it to me???? This is the WHOLE truth. | ||||||
| 03/29/2022 | Yes |
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| On XX/XX/2022 I locked myself out of my original Venmo account. I created a new account because my father had died and I needed my husband to send me {$780.00} instantly to cover my dads cremation ( my portion ). I had trouble connecting my card so I contacted customer service. The told me that I cant have two accounts with the same card and I advised them that I lost access to my other account and that they can close the old account and I will use the new one. At no time was I advised that this would cause a problem or flag my account. The old account was deleted, and the new one was allowed to receive the money. I tried to instantly cash out the amount and it wouldnt let me because I needed to ID verify. I sent I. My ID and was verified the next day. I went to cash out the money and found my account. Was frozen. I contacted customer service again explained to them that this money was for my dads cremation and that I was ID verified and they told me that a different department handles this and that they are only reachable through email. It has been 8 days. My father is lying in a freezer, dead. And I still cant have him put to rest because of Venmo holding my money. I turned in my ID 3 times. My husband account. Was frozen as well and he also sent in the bank statement, and ID showing proof that this is real. I want my money released back to me. The fact that I cant speak to anyone, that no one can help me but they can hold my money for weeks in a time when Im already grieving, hurting they just traumatized me more. This was all the money I had for this, I have no other family to help and the funeral home will be disposing of my fathers body without releasing the remains to me because of failure to pay. My fathers remains will be dumped like garbage because VENMO decided to hold my funds after I verified my identity. I have contacted an attorney and we will be suing for pain and suffering involved over this. I want my account opened and I want to transfer my funds. Now. Venmo is a horrible company that never disclosed to me that it would be a problem. They had the opportunity to tell me and didnt. Shame on them. Im absolutely traumatized that my fathers remains will be garbage by morning. | ||||||
| 06/01/2020 | Yes |
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| Back in XXXX this paypal company would not admit to law enforcement agencies that they lied about XXXX XXXX and XXXX XXXX connected paypal account under XXXX XXXX XXXX dba name. I have signed XXXX XXXX up with his permission and he was right there with me giving me his social security number. He lied to his father who was a lXXXX and then acted like his identity was stolen which is was not. He had part ownership in my XXXX. His parents gave him XXXX and I XXXX them for him to make a little money. I can't believe the politician 's up in congress and senate allowed this company to even be class action banned. This is illegal what they did to my business partner and i and unethical. XXXX women or women of XXXX religion need their male business partner to do business and taxes. This violated religious rights and human rights of both XXXX and XXXX belief system. This trump administration got caught purposely denying sba loans to XXXX owned restaurants in XXXX, n.y. who had to liquiate curtains just to pay their bills. The worker there said in XXXX she was sick of her drivers smelling of XXXX thankyou for saying something to those politicians up in washington. This is human rights violations of this company. By the way my first dba was XXXX XXXX which XXXX XXXX that may of been offensive to the XXXX religion and the 2nd dba was XXXX XXXX XXXX to save the other business mans life. He didn't know how important the XXXX XXXX XXXX company name XXXX was to saving his life. A bunch of real XXXX could of come after him so I was his father to know the XXXX company had to be formed. His father would not admit it to law enforcement or tax agencies either that I know of. I am not a theif or identity theif either. He should never have lied. Now this president trump denied my sba loan because of suspected perjury and i have no other way out than to hire a professional lawyer. If i had my stimulas funds i could of done that. Someone took my XXXX XXXX funds away by removing my debit card from my mail box and i want to know why. I also want to know why the president abused his presidential powers by delaying things opening. I needed my stimulas check even though it probably is dirty seized XXXX XXXX MONEY. | ||||||
| 03/17/2021 | Yes |
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| On XX/XX/2021 I had the sum of XXXX sent to my paypal account, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! I even explained an emergency i had, but they were not concerned. I was asked to produce my passport, bankstatements etc, i provided all, but the bullies told me they have a right to close my account unjustly! There is XXXX transaction which i remembered is a survey platform that helps me earn money when i answer questions, they claimed it was fraudulent transfers. ( see attached ) Kindly use your good office to claim back my money for me please, i am in dare need of it. I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity. I am amazed that a lot of people were disappointed that i use paypal, i never knew that paypal has made a very bad image of themselves in the public, i have had nighmares this few days as i am shocked that we have extremely wicked and unempathic customer service or limitation team in existence in this 21st century, this may affect paypals going concern in the future. Find below the history of my qmee transaction history. I am a fraud investigator by profession and i know you should know that when you suspect a fraudulent activity, you ask for evidence to be sent not rudely close your customers account with the hard earned money, will you be happy to have your own money locked up for 6months? how evil! Please you have frustrated me enough, and caused me sleepless nights, do not punish me unjustly, i need that funds as its for an emergency in this covid period. see attachment and if you need more evidences let me know, i am ready to provide it. XXXX | ||||||
| 02/10/2021 | Yes |
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| I bought a magazine subscription. I used my PayPal account to charge for the subscription. I then tried to add money to PayPal to pay for the subscription. PayPal refused to take my money and is beginning to charge me fees. I can provide you my checking account balances to show that I have enough money to pay the {$34.00}. They websites says " add money ''. I go through that service and the options are not available. I reached out to them via PayPal " contact us '' message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them on those days too but the automatic system hangs up on me. The customer representatives told me that the option is available for me to add money. I go back to their website and it is still not working. As per the customer service rep suggestion, I sent them a check on XX/XX/XXXX PayPal , Inc . Attention : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrote me : " Upon receipt, a personal check normally takes 7 business days to post to your account. Upon receipt, a cashier 's check or a money order normally takes 2 business days to post to your account. Please keep in mind that, while your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance and any refunds you attempt to issue will be funded by an electronic transfer from your bank. Finally, please keep in mind that your account could be limited until the negative balance is paid. '' It has been three weeks. They have not taking my money XXXX source : XXXX XXXX XXXX. PayPal is starting to charge me fees for my negative account that I try to rectify via all the means they provided. Please help me. I am very upset. As a legal immigrant, I do not want to do something that is not right and I feel that PayPal is taking advantage of me. I enclosed the print screen examples of what I go through the PayPal. The last print screen - " Fifth page '' - clearly shows that I have linked accounts. When I select them and then press " next '' -> nothing happens. There is no new page. I brought that to the company reps attention and they all told me that I am wrong ( I guess bevause I am an immigrant and dont write good ). | ||||||
| 09/28/2023 | Yes |
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| On the evening of XX/XX/XXXX, I posted my treadmill for sale on XXXX for {$100.00}. That evening, XXXX XXXX contacted me and said he wanted to buy it. In the conversation, he said he would pay me with Venmo. I told he three times that I wanted to do a cash transaction, but he said he was not convenient and needed to withdraw cash. He then asked me for my Venmo account to make a reservation. I gave he my account, and after a few minutes, he asked me if I had received the money. I said I hadn't received any money, so he told me to check my email inbox. He told me to call Venmo with he to get he {$100.00} back. ( The reason is that he is a business account and my account is a personal account, so the other party must transfer {$400.00} to my account. Only after I receive the other party 's {$400.00} can I return their {$100.00}. ) I simply wanted to help her get the money back, so I called the Venmo hotline on the email, XXXXThe customer service representative asked me to contact the buyer by text message and ask them to transfer {$400.00}. So I contacted the other party and told them what the customer service representative said. Then I received an email showing that I had received the other party 's {$400.00} : He asked me to click on it, and after I clicked on it, then I was deducted {$400.00}. The Venmo customer service representative was still on the phone with me, but I realized something was wrong. I asked the customer service representative why I hadn't received the other party 's {$400.00} yet? My money was deducted instead? At this time, I was asking my husband how this strange thing happened. My husband said I was being scammed and asked me to hang up the other party 's phone. As soon as we hung up the phone, we immediately contacted my bank, XXXX, and said that I had been scammed and wanted to cancel the {$400.00} transaction. XXXX did indeed stop the transaction immediately. But your company used the funds in my Venmo account to pay this scammer! I am very disappointed and sad. The Venmo company actually helped the fraud and did not investigate the matter. The world is in chaos and there is no truth! I just don't want anyone else to get scammed, so I'm telling my story. | ||||||
| 02/17/2021 | Yes |
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| PayPal has held my funds again. They are holding my funds and not telling me what the reason is. We had an issue weeks back and now again, theyre holding my funds against my will. They are saying that my traveling has flagged my account and never told me that this would happen. I called and they said that they had to clear some errors. They cleared the errors and they said to try the attempt again. I did, and it didnt work. This then extended the time that i can try again to 48 hours. I have done nothing wrong other than travel which i told them. My funds are held and Im now stranded across the country without access to my funds. They keep pushing back the date in which i can access my funds, but theyre the reason it is extended further because they told me to attempt the transfer. Im just trying to make it home, and me and my XXXX kids are without access to our hard earned funds. AGAIN after they pulled this similar activity in XXXX. I knew i should have stopped using the service as their arbitrary rules are not designed for us to take advantage of. This is an intentional abuse of power. They released a transfer already, and now all of a sudden Im flagged because Im traveling. They didnt call me or email me to notify of an issue with my account. They say that due to me continuing to try and access my money, it locked my account and they have no way to assist. Although they told me to try to withdrawal while they were on the phone. I spoke with so many people and their suggestions have now rendered me helpless when it comes to the accessing of my funds. I never was notified because they didnt notify me. To say the activity is due to suspicious activity, but not once notify me is wrong on so many levels. What if someone really was trying to access my account? Now theyre saying they wont tell me when that happens? I find that hard to believe because the times in which there has been suspicious activity, i was notified. Now that i need my funds again, they wont notify not allow me to use my funds that were made via legal activity and business. With so much fraud happening, youd think theyd assist better with that, as opposed to ruining the businesses of hard working Americans DURING COVID! | ||||||
| 12/08/2019 | Yes |
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| My issue is with Paypal being complicit in allowing scammers to take money from a buyer and offering no real forms of protection. I tried to purchase concert tickets to a sold out show through a normal human being, not a vendor, not a business. Just a guy I met. The person suggested I use paypal to complete the transaction and that he would electronically send me the tickets ( XX/XX/19 @ XXXX ). I sent him {$200.00}, tickets never come. The default paypal option for all transactions is friends/family. Which seems like a logical option considering you are not sending $ to an actual business. What paypal actually means when you use this option is that the buyer not relinquishes any protection paypal once considered offering them. I then call paypal to see what I can do to stop the scam from taking place, and they begin to interrogate me and accuse me of trying to beat the system by not using their other payment option ( I paid paypal a service fee regardless, and they get their cut as always, so this should really be a moot point ). I then ask the agent after they basically tell me they wont do anything for me, to at least block this person 's account so they can not continue to scam people and they could honestly of cared less. Its starting to look as if paypal is aiding these scams in growing in scale and efficiency and consumers like myself that don't have complete knowledge of exactly how these systems work get conned. How can your governmental agency sit back and allow this type of complacency in law when one of the biggest world banks now ( paypal ) is actively allowing this type of fraud daily, and then blaming their consumers for being ignorant or trying to cheat the system? As if the extra {$3.00} I would have paid to " ACTUALLY '' be protected was somehow my determining factor in getting XXXX over. It's XXXX, you need to do something about it as an entity that can, and I am stating my case here so that when the 100,000 's of people that are getting XXXX over everyday sue paypal for negligence I will be utilizing this as part of my class action lawsuit and deposition against their utter lack of effort when people are being robbed daily due to their software loopholes. | ||||||
| 03/20/2019 | Yes |
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| Hello, I made a purchase to XXXX XXXX XXXX on XX/XX/2019. The payment went through properly, and I received my package within a week from the vendor. A week later, after receiving package from the XXXX, was alarmed to see that there was a negative balance on my Paypal account in the amount of {$100.00}. I immediately called paypal to discuss the matter, and it was at this time that they reluctantly informed me that they had paid for my products from XXXX XXXX XXXX without my knowledge or consent, because my bank ( XXXX XXXX ) had rejected the funds. I then complained vehemently with them, reminding them of the agreement that we have that has been honored in the past : that if for any reason, my bank rejects the funds, and the funds are unavailable, Paypal must notify my via email or text message, and the transaction will be put on hold or cancelled until such funds are available. Never have I agreed to any terms suggesting that funds can be paid on my behalf and later paid back without my consent. I then called my Bank and explained the details of the issue, and asked them why they would reject the transaction if the funds were available in my account without my knowledge. XXXX explained to me that due to a previous issue with Paypal they authorized a hold on all transactions without my consent. By the end of the phone call XXXX lifted the hold per my request, and apologized for the inconvenience it caused without resolving the issue still at hand. Now I am left with an outstanding balance of {$100.00} as a result of a total lack of communication from both Paypal and XXXX XXXX, and I refuse to take responsibility as this was an issue caused and exacerbated by these two companies. I have tried to resolve the issue with them but am not left to file a formal complaint through Consumer Finance, as I feel quite mistreated. Both calls should have been recorded and documented for review and for reference. I received a letter in the mail on XX/XX/XXXX requesting that I pay this outstanding balance and have been given 30 days to do so, or to file a complaint. So I have chosen to file a complaint and continue to fight this issue, and hope that it will be resolved fairly going forward. Thank you. | ||||||
| 03/11/2019 | Yes |
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| On or before XXXX XXXX, 2019, I signed up for the XXXX money transfer service. On XXXX XXXX, members of my family and I tested the service by sending each other {$1.00}. The service worked fine. We all received the moneys and were able to transfer them to our bank accounts. On XXXX XXXX, a family member sent me {$300.00} from her bank account via XXXX. My XXXX account showed the money in my XXXX account. On XXXX XXXX I tried to transfer the XXXX money to my bank account buXXXX XXXX cancelled that transaction. On XXXX XXXX, XXXX emailed me saying the account had been suspended " due to recent activity that appears to be a violation of our User Agreement '' and asked for a copy of a US government issued photo ID. On XXXX XXXX, I sent XXXX a scan of my state driver 's license. On XXXX XXXX, I received an email ( XXXX # XXXX ) from a XXXX account specialist XXXX XXXX telling me that " the payments you received originated from unauthorized funding sources or otherwise posed risk to our system '' and " any additional inquiries will not be answered and this case is considered closed '', but nothing more that would tell me what the problem was. XXXX XXXX also said " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes ... we are unable to assist you further. '' On XXXX XXXX I sent an email to XXXX XXXX asking for details. On XXXX. XXXX, XXXX XXXX said, " XXXX has determined that the payments you received originated from unauthorized funding sources or otherwise posed risk to our system ... any additional inquiries will not be answered and this case is considered closed. '' I called up customer support at XXXX, and was told that the account specialist team that XXXX XXXX is part of could not be contacted by the support people and that support could do nothing. I asked for a supervisor. I spoke to XXXX XXXX who said she would try to contact the account specialists. She sent me an email saying she had " reached out to the account specialists ''. I have heard nothing since. I am in the position of having my {$300.00} being frozen by XXXX for six months with no information why and no recourse. | ||||||
| 06/20/2023 | Yes |
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| Dear XXXX I am writing to reopen my case regarding the complaint against PayPal, which was closed after their response. I appreciate your assistance in addressing this matter once again. Please find below a detailed description of what happened, including relevant dates, amounts, and actions taken : Description : PayPal permanently limited my account without any explanation and has been holding my funds for 180 days. This limitation and withholding of funds have caused significant inconvenience and financial distress. I am seeking a resolution to this issue. Actions Taken : On XX/XX/XXXX, my PayPal account was permanently limited without any prior warning or explanation. I have attempted to contact PayPal 's message center for assistance, but they have been unhelpful and failed to address my concerns. PayPal representatives repeatedly stated that I could not withdraw my funds to safeguard against potential chargebacks from buyers. However, I have never sold anything using PayPal, and all my funds come from personal transactions with friends and family. I also kindly ask paypal to tell exactly what tos/aup/ rules i broke to get my account perm limited in the first place. I have received money exclusively through PayPal 's Friends and Family feature, as well as from my PayPal account balance. There is no possibility of anyone initiating chargebacks for these transactions. Request : I kindly request that XXXX redirect this complaint to the appropriate department that can address international cases, as I understand this falls outside the jurisdiction of PayPal 's United States offices. I also request the forwarding of the original complaint reference/message number for proper tracking and documentation. Please emphasize the urgency of this matter and the need for a satisfactory resolution that includes the withdrawal of my funds without any further delay. I deeply appreciate your assistance in reopening this case and ensuring that PayPal addresses my concerns properly. I believe that with your involvement, a fair resolution can be reached, and I can regain access to my funds. Thank you for your attention to this matter, and I look forward to your prompt response. Sincerely | ||||||
| 08/01/2021 | Yes |
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| My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 ) | ||||||
| 03/15/2023 | Yes |
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| Subject : : - - Dear PayPal Executive Escalations, : -,. I want to bring to your attention that on,, XXXX XXXX from Executive Escalations partnered with PayPal Risk after my ( " '' ) for the Consumer Financial Protection Bureau ; Complaint No : -. As I informed them that my identity has been stolen and is now being used to circumvent PayPal, I stated that I have only one valid PayPal account under my valid emailXXXX XXXX I also advised that any other accounts are not mine and should be reported as unauthorized accounts. XXXX assured me in his response that PayPal Risk will complete their review within 7-10 business days and let me know the outcome of the case. He quoted the following in his response, ",,. '' I am pleased to inform you that on //, PayPal Risks completed their review and the case was found in my favor. I have enclosed a to support my claim result. However, ( : - ),. Furthermore, I have advised in my complaints several times that I have not submitted any invalid or altered documents. In fact, any documents based on invalidity and alteration must be discarded as I have not submitted those. The documents were due to additional unauthorized PayPal accounts being created without my authorization. I want to bring to your attention that I have enclosed my valid Photo ID several times during the complaints, but it appears that it has not been taken into consideration. As a sign of good faith and cooperation, I have enclosed my within this complaint response. I hope that PayPal will now closely consider my request and make a professional decision that will help me. I must also mention that I sent an to follow up with XXXX XXXX regarding the claim update on XXXX, but I am yet to receive a response. With this being said, I again respectfully request your assistance in restoring my account balance, as I have been proven innocent, and restoring my account access, as PayPal Risks have already closed the case in my favor. In conclusion, I appreciate your time and understanding in this matter. I remain hopeful that PayPal will rectify the situation promptly, and I can access my account and funds as soon as possible. Thank you for your attention. Respectfully, XXXX XXXX | ||||||
| 09/13/2022 | Yes |
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| My previous complaint about unfair practices by PayPal was not resolved and was closed under unknown to me circumstances. I have to file a new complaint, because outrageous violations were performed by PayPal and have to be put on record for further actions. My actions with my money on my account were wiped off. This is unacceptable and requires the appropriate investigation. I appreciate the alert that PayPal submitted their response to my previous complaint that was filed on XX/XX/XXXX and my rebuttal is awaited. But why did the CFPB put on my page account that the complaint closed??? It is confusing and not understandable why my complaint got closed before that complaint is resolved. How come the complaint has that notice that it is closed? The PayPal response on that complaint was a fraud. I have to request all financial transactions that were done in real after XX/XX/XXXX until the current date that will determine that PayPal covered up its unfair practices and perjured along with covering up the secret conspiracy between PayPal and XXXX XXXX XXXX. PayPal deleted all transactions from my account between XXXX XXXX and PayPal and deleted the record of the linked XXXX account that was listed on my PayPal page account on and after XX/XX/XXXX. Two transactions of {$5000.00} were scheduled from PayPal to XXXX in XXXX and in XX/XX/XXXX and money showed up on my XXXX account and after that disappeared. I believe it is more than illegal to wipe any transaction that was scheduled and initiated and PayPal did it. Fortunately, the attachment of PayPal 's email was saved by me confirming that XXXX was linked on XX/XX/XXXX. I am asking CFPB for help to send my demand for all financial transactions on my PayPal account from XX/XX/XXXX until the current date. How is that possible to wipe off any financial transactions from the account? Does it mean that PayPal is an extremely dangerous financial institution? About two fees each of {$29.00} that were charged on two transfers of {$1000.00} that was done through family and friends option at no fees as usually, based on the history for two years, is out of questions that PayPal took an advantage and has to return the second fees of {$29.00} too. | ||||||
| 08/24/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has been imposed due to a misunderstanding or error, as I am confident that I have not violated any of PayPal 's policies or terms of use. I have been a loyal and responsible PayPal user for XXXX XXXX XXXX XXXX, using the platform for various personal and occasional business transactions. Throughout this time, I have made sure to adhere to all of PayPal 's guidelines, as I understand the importance of a secure and trustworthy online financial environment. Given the sudden and unexpected permanent limitation on my account, I find myself perplexed and worried about the status of my funds and transactions. I have always ensured that my account activities are transparent and well within the boundaries of PayPal 's policies. I kindly request that PayPal undertakes a thorough review of my account and the circumstances that led to this unfortunate situation. I am confident that upon closer inspection, it will become evident that my account has been unfairly restricted. I genuinely believe that this limitation is not a result of any actions on my part that violate PayPal 's terms. I understand that PayPal 's priority is to maintain the safety and integrity of its platform, which I wholeheartedly support. However, I firmly believe that my case warrants a re-evaluation, considering my track record of responsible account management. I kindly ask you to re-investigate my case and consider lifting the permanent limitation on my account. The ability to use PayPal is crucial for me, both personally and for potential business needs. I value the convenience and security that PayPal offers, and I am eager to continue using the platform as intended. I appreciate your attention to this matter and your dedication to ensuring a fair and secure online financial environment. Please feel free to contact me at XXXX for any further information you may require or to update me on the progress of this appeal. Thank you for your time and understanding. Sincerely, XXXX XXXX | ||||||
| 11/27/2023 | Yes |
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| On XX/XX/XXXX I used my Venmo account to send {$200.00} dollars to my sister. During the transaction on my smartphone, the Venmo application initially rejected the {$200.00} transfer due to insufficient funds in the bank account linked to my Venmo account. I confirmed I had sufficient funds in my bank account, XXXX, and I proceeded to once more send the funds through Venmo. On the second attempt, the funds were sent to my sister. My sister received {$200.00} dollars, and I thought all was good. I later checked my bank account and noticed Venmo had deducted from my XXXX account a total of {$400.00}. There were two deductions from my account of {$200.00}. This would have been fine if my sister had received {$400.00} because she could have sent the funds back. However, she only received {$200.00}. This was confirmed via the transaction history on my Venmo account and my sisters. Our Venmo transaction history indicated only one transfer of funds for {$200.00} had occurred between our Venmo account. I contact XXXX to confirm if two transactions had actually posted to my account. XXXX confirmed and provided the trace numbers for each transaction. I filed a dispute with Venmo who initially issued a credit of {$200.00} to my account, and I let them know what the issue was. In reviewing my dispute, Venmo did not acknowledge the fact that they had deducted {$400.00} in total from my bank account but their platform was only showing {$200.00} was deducted/transferred. In their investigation of my clam they asked my sister if she had received {$400.00} which she answered as no. She, as we had already determined, only received {$200.00}. Based on her response, Venmo determined that my dispute was not valid and attempted to deduct the {$200.00} from my bank account which was unsuccessful due to security features enabled on my account. Since Venmo was unable to deduct the funds from my account they placed a hold on my Venmo account and gave me a negative {$200.00} balance. I am now unable to use my Venmo account for payment transfers and services that I would normally use to settle tabs with friends. Further, funds that I do receive, that are rightfully mine, have been withheld by Venmo. | ||||||
| 01/30/2021 | Yes |
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| On XX/XX/XXXX my funds ( {$12000.00} ) was deposited to PayPal account that I setup and then later ( next day or less ) -24 hours from account creation, was locked and couldn't perform any actions, anything like withdraw, send, receive, purchase, add or remove bank & credit/debit card information, or anything at all. They ( PayPal ) sent me a notice to submit various documents to " un-lock '' the account. I complied and submitted all correct and accurate documents asked. Including my ID, bank statement, mail with current address, reason for deposit and funds, etc. Then, they would review information and unlock account in 24 to 48 hours time. However, after complying with PayPal 's requests my account got permanently locked and unable to use service ever again and that I could receive a email with the information on how to withdraw my funds being held in 180 days time. On XX/XX/XXXX ( over the +180-days time ) I tried and was not successful in withdrawing my funds. I still am unable to do anything after a phone call to PayPal attempting in every way to resolve this issue. I am not able to withdraw funds currently despite being told to wait the 180 days and I'd be given access to my funds they reassuredly advised me, yet have not to this day. To me this is theft of funds and deceitful public consumer practices that should be unlawful due to the amount of damage caused to financially, physically, and not to mention emotionally. Of which they thrust on individuals who use their service without public consumer choice or any other available options to decline or any other choices period. I have lost several things due to not having any access to my funds and my current credit worsens plus other things are due to loss and will lose, because of the denied access to my funds still after complying with every demand given by PayPal. Currently given only option to now be told to wait indefinitely while financial debt mounting up on me and no means to pay debt due now due to my funds being held for a non-senceful excuse nor reason which is solely determined by them and apparently no available actions for me to take to get or receive my own funds!! Please help me!! Respectfully, Me | ||||||
| 12/11/2015 | Yes |
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| I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. What can I do? Thanks XXXX XXXX | ||||||
| 06/09/2023 | Yes |
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| Dear PayPal Support Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing in response to the recent permanent limitation placed on my PayPal account associated with the email address XXXX. I have always adhered strictly to the guidelines and regulations set by PayPal, and I believe that the action taken on my account might be the result of a misunderstanding or an error. Therefore, I am writing to formally request that this decision be reconsidered and my case be re-investigated. In the many years of utilizing your platform for my business transactions, I have always made a conscious effort to comply with the policies and terms of service as stipulated by PayPal. I am uncertain as to the specific reason why such a drastic measure was taken against my account. If possible, I would appreciate a comprehensive explanation of the particular policy or guideline that was purportedly violated, as I remain convinced that I have conducted my activities within the bounds of PayPal 's policy framework. In the spirit of fairness and mutual understanding, I humbly request that the recent decision to limit my account be re-evaluated. I am willing to cooperate fully with any investigations, provide further information, and take any corrective measures if required. I believe in the integrity of PayPal 's services and its commitment to providing a fair and reliable financial platform to its users, and I am confident that this unfortunate situation can be satisfactorily resolved. I would be truly grateful if my appeal could be forwarded to the appropriate department for a thorough review. If there is any documentation or other information needed from my end to facilitate this process, please do not hesitate to ask. My primary goal is to rectify this situation and continue using PayPal 's services, as they have been instrumental to my personal and professional transactions over the years. I am looking forward to your favorable response and I am hopeful that we can restore the trust and reliability that have defined our relationship up until now. Thank you very much for your understanding and your prompt attention to this matter. Best Regards, [ XXXX XXXX ] | ||||||
| 03/12/2017 | Yes |
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| I sold a XXXX minibike with a new XXXX engine for {$730.00} USD on PayPal ( transaction ID XXXX ). After 2 months of use, buyer ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ ) filed a chargeback with his credit card company stating that the minibike was " not as described ''. The credit card company then proceeded to notify PayPal ( case # XXXX ) of the chargeback for {$350.00} USD ( not sure how that value was arrived at ). I was never offered the return of the minibike and the transaction occurred well in excess of XXXX miles from the billing address ( buyer lives in NJ while seller lives in NC ) I responded in writing on 2 separate occasions to PayPal 's requests for information and never received a written reply from the buyer or his credit card company. I can prove that the item was delivered in excellent condition ( as described in emails ) and that buyer used the minibike on several occasions. Buyer damaged minibike during personal use and then stated that the minibike was " not as described. '' PayPal has never shared the name of the credit card company that brought this dispute nor have they been willing to cover this transaction with their " Seller Protection '' that they advertise. Buyer contacted Seller ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by email and requested to purchase minibike for {$730.00} USD. Seller told Buyer that it was solely his responsibility to ship minibike from NC to his place of residence in NJ. Buyer agreed. Buyer contracted with a XXXX company to ship the minibike. When the minibike arrived at the buyers home he wrote, " No ... it looks good. It was a little dirty from the transport but I wiped it down real good. It looks great. One of the brake cables is right in the way of the left foot pedal and I 'm afraid it 's going to get tangled/pulled. Might have come loose during transport. I 'll tie it back to something. Other than that, all is well. It 's gorgeous! '' Note that the minibike arrived dirty and wet with damage that occurred during transport. Today, PayPal sent an vague email stating that the credit card company found against me with no additional information. I am unable to get any help from PayPal or anyone for that matter. | ||||||
| 07/05/2023 | Yes |
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| On Friday XX/XX/XXXX a consulting client requested if she could pay me with her credit card via PayPal a total amount of {$6000.00}. I own a consulting company and we're managing a project for her team. This was a payment for independent contractors on the contract. She requested I send a request being that she could not easily find my account because I do not use PayPal in general for business. I received the payments split in two installments. After being charged 3 % in fees I was charged another {$25.00} to direct deposit transfer. I attempted to transfer the remaining {$1300.00} but the system said I was over my weekly limit. I left this alone and waited until the next day. Only to find out my account was blocked due to violation of the user agreement. In return I : 1. Reviewed the entire user agreement and found no violations on my part 2. Called the PayPal customer service requesting to file an appeal and find out why this happened. 3. I was assured by the agent I would hear back from them in 3 days. I called today XX/XX/XXXX, close to XXXX and was able to connect with an agent. He explained the following : 1. My account was reviewed on the 2nd and finalized. 2. They would hold my funds for 6 months 3. I could not refund the funds back to my client 4. They could not and would not tell me what the violation on the agreement was 5. I had no recourse to defend myself or provide any additional information that may clarify the issue itself 6. I was informed that it was a risk issue I explained on that call that : 1. I was not selling on PayPal, a client requested that I receive her payment through Paypal because she was going out of town and could not get to her bank branch in time. 2. These funds are meant to pay contractors working on a contract for my company. The agent apologized profusely and was transparent enough to share that there is intentionally no disclosure of the issue by the company and there is no recourse to me as a client to defend myself or overturn their decision and treatment. Not too mention I was permanently banned from using the service. They are currently holding {$1300.00} in the account which is needed to pay independent contractors. | ||||||
| 06/22/2023 | Yes |
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Web | Servicemember |
| Dear CFPB Representative, I am writing to file a complaint and seek assistance regarding the unjust closure of my PayPal account, and I kindly request your help in investigating this matter. I am deeply puzzled and disappointed by this situation, and I hope that the CFPB can assist me in resolving this issue. On XX/XX/2023, I received a notification from PayPal informing me that my account had been closed. However, the notification did not provide any specific explanation or reason for the closure. As a long-term user of PayPal, I have never violated their terms of use or engaged in any improper activities. Therefore, I am extremely confused as to the reasons behind the closure of my account. I have attempted to contact PayPal through their customer support channels, but unfortunately, I have not received any detailed explanation or resolution regarding the closure of my account. This has left me feeling very frustrated, as I rely on PayPal for online transactions and financial activities. As a consumer, I believe that I have the right to fair and transparent treatment, including in situations involving account closures. I trust that the CFPB, as an independent agency dedicated to protecting consumer rights, can assist me in investigating this matter and engaging in discussions with PayPal to find a resolution. In this letter, I sincerely request that the CFPB take the following actions : Investigate the reasons behind the closure of my PayPal account and request PayPal to provide relevant explanations and evidence. Exert pressure on PayPal to handle my appeal fairly and reconsider their decision to close my account. Provide any necessary legal or regulatory support to ensure that my rights are protected and that I am treated fairly. I believe that CFPB 's intervention and investigation will help resolve this issue, and I hope for a prompt handling of my application. I am willing to provide any additional documentation or evidence to support my complaint. I look forward to the support and assistance of the CFPB, and I hope for a timely resolution to this matter. Thank you for your attention to this complaint. Sincerely, XXXX XXXX Paypal account : XXXX XXXX | ||||||
| 08/28/2019 | Yes |
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| On XX/XX/XXXX a company I did work for paid me my wages through PayPal to which I then initiated a bank transfer which was advertised to take 24 hours. On XX/XX/XXXX I didn't see the money in my bank. I called my bank to see if it was pending, and they informed me that nothing was in the " warehouse '' pending to be deposited into my account. I called PayPal and was told it could take upwards of 3-5 business days, even though it doesn't say as such on their website. I called again on XX/XX/XXXX after still not having received my money and was told they would initiate a trace to see where the money went, and that they could start that 7 business days after the money was supposed to have been deposited. I called back on the XXXX of XXXX ( 7 business days later ) and was told I would have to wait another day to initiate the trace. I called back on the XXXX and was told the trace could take anywhere from 24-72 hours. I called back the XXXX, still nothing. Called back the XXXX, still nothing. Called back the XXXX, and still nothing. Later in the day on the XXXX I called and told them I wanted an answer, to which I was told that the trace showed that the money was in my bank and there was nothing more they could do. Now, each time I called PayPal- I called my bank to see if anything had dropped. So I was quite familiar with everybody on my banks end, and there was nothing they could do because the money hadn't even made it to their " warehouse '' ( aka Automated Clearing House ). I then conferenced in my bank to tell the supervisor at Paypal, XXXX, that the money isn't there. He asked to speak to a manager, who also told him that the money wasn't there. He then asked to speak to their ACH department, to which he was told he couldn't. XXXX then informed me that since the money was gone from PayPal that he couldn't do anything and it wasn't PayPal 's problem anymore. He then told me, after 3 hours of being on the phone, that he would initiate a withdraw trace to get my money back, which could take 3-5 business days. It has now been 3 of said 5 days, and I called for a status update ( since they don't update me themselves ) and was told I would have to wait the full 5 days. | ||||||
| 06/14/2023 | Yes |
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| On XX/XX/2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX XXXX XXXX XXXX, so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my XXXX parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on XXXX XXXX, and was exhausted from XXXX the night before. I was under the XXXX XXXX XXXX XXXX, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on Venmo. Me and my mother also contacted Venmo immediately. And I was informed that I would need to contact my bank for a refund. Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the Venmo charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. The police was also contacted, and a police report was made with a case number of XXXX XXXX After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam. | ||||||
| 09/10/2016 | Yes |
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| My account with Paypal Credit is past due and received a message from them regarding a payment arrangement offer and to call them by XXXX to accept it. I called earlier this evening on XXXX, the rep put me on hold to speak with a senior rep regarding numerous notes on the account, I was then advised she can not speak with me about anything pertaining to the account as there is a cease and desist notice which I did not place and am not aware of. I previously advised her of the message regarding payment arrangement and if she can not speak with me then any such arrangement is pointless, null and void. Paypal Credit claims to have offered me payment arrangements/plans prior, however, I did not receive them and am not aware of them. I did call in prior to accept such plan ( s ), was told they are all expired. I also advised rep ( s ) earlier today and on prior calls that the orders from an XXXX are fraud, these are jewelry orders which I did not place myself and did not receive. I requested a settlement amount with the rep from earlier this evening but again, she can not speak with me about the account. This is very odd as the message I received prior regarding payment arrangement did not mention anything about a cease and desist, this is totally bogus in my opinion. I called back again and message said they are closed at XXXX XXXX, I believe the rep I spoke with prior made the story up about cease and desist up so as to get me off the phone so she can go home as they are closed.. Please advise Paypal Credit I am at my wits end with them and I will offer them a settlement amount of XXXX, the balance as of now is around XXXX. I believe XXXX is fair considering the orders to XXXX are fraud and run into the thousands. If they will adjust balance to XXXX I will make XXXX last call to discuss payment arrangements. If they do not accept then that is their loss, a prior collection agency referred the account back to them due to fraud charges and my unsuccessful attempts at making payment arrangements directly. Having said this, you would think Paypal Credit would be more cooperative in this matter. In closing, please advise them of my offer of XXXX settlement and payment arrangement | ||||||
| 05/27/2021 | Yes |
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| Hi. PayPal limits the accounts of their clients being that all the information is sent I have a mobile phone shop, my account was limited on several occasions, in all I managed to demonstrate what my work methodology was and what my business was. On Friday they limited my account and asked me for information, I sent the information and everything was perfect. On Saturday in the early hours of the morning they removed the limitation on my account and everything was perfect. On Monday I was again limited and asked for a bank statement and XXXX information, I did so and on Tuesday my account was unrestricted. On Wednesday my clients tell me that they can not send payments to my account and when I check my account to my surprise my account is limited again ... when I enter the account in the resolution centre I see that they ask me to provide information again and a statement of account again. I call customer service and they tell me that it may be a mistake but that PayPal still wants to recognise what XXXX XXXX is all about. I tell the representative that I have no problem sending additional information, such as a document of the registered business, where the address appears, then they tell me that they are the safest platform in the universe and that they take care of their customers ... then recently I get an email without further words that I represent a potential risk for Paypal and that I can no longer use my account and that I have to wait 180 days for the money to be released. I find out reading their terms and conditions of use, that the money I have in my PayPal account represents an unsecured credit for them. This means that they use the money of the users to make money while they retain the money of those of us who already had money there. In short PayPal is a total fraud a mini ponzi scheme. Many times I wanted to withdraw MY MONEY and I couldn't because the system always made me a " mini block for attempts '' whenever I logged in from my work or home computer and never from anywhere else. PayPal is a scam. It limits your account and makes money on your account. Please the US government can not allow this scam. Help me get my money back and my rights enforced. | ||||||
| 05/23/2019 | Yes |
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| I opened a account with PayPal I received prepaid PayPal Mastercard I called activated it on XX/XX/19 I asked PayPal how to put money on the card so I could use it to send money to friend, onXX/XX/19 I put XXXX $ on the PayPal card came home sent XXXX $ dollars to XXXX XXXX another PayPal user ok that left {$200.00} on XX/XX/19 try to pay for gas so I could go grandchildren house the card was declined so I called PayPal to see wha was wrong well I was told the put ahold on car til I send them Calif I'd I explained to them I didnt have any identification my purse had been stolen but I will go Monday to get one with my address on it, so idid I sent the receipts that that I had done it but since had no picture on it, it would still have a hold yes I got very upset cause when I applied for the prepaid I should of been ask then and I couldnt understand the man that I spoke to couldnt get help so I decided to wait for picture I'd to come well I call back and ask if I could do anything to get my money back he told no cause was suspicious transaction been done on the account only transaction that was done was the deposit and I sent money out but the man told me I could have money sent to me I would be able to access it and use it, ok I had XXXX XXXX send the loan of XXXX $ back to card well I waited then called finally I was told my card was froze and PayPal doesnt want to be PayPal customer due to the transaction that had been done with card. I said fine how do I get my money back they said I would have to 160 days for it after investigation yes I got angry 160 days they able to keep my money when I only have very lil money to live on each money I'm on a fix income I received SSA XXXX I have no money but that I asked why would you guys let me put more money n the card if you guys already closed the card on the XX/XX/19 she told I was lucky they let me do it but I cant any money maybe 180 days if they decide to I couldnt believe it so I started looking around on internet and I found site where it explain how get my money back it shows so many people getting this done to can you please help me I keep losing this complaint when I try added my pictures of my acct transaction to it | ||||||
| 09/21/2020 | Yes |
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| In XXXX, I contacted PayPal after recieving an alert that my password had been changed. I had not changed my password and when I logged in, I saw that a debit card that did not belong to me had been added to the account. I was not able to get anyome on the phone so I communicted via PayPal 's message center with an agent. I was blown off and treated like the card was obviously added by somone in my household. I insisted it was not. I asked if a merchant could have added it as a form of a credit for a return and got not real answer so I left the card on my account thinking it must have been that. Fast forward to XXXX XXXX. I again got an email in the middle of the night confirmiong I had changed my password. I had not. This was followed by a half-dozen emails from PayPal about transactions I had nothing to do with. I never sold anything to anyone or requested money from anyone. The person who hacked the account, had money sent to the debit card I had alerted PayPal to months before. I quickly deleted the debit card and tried to contact PayPal. I got a basic message back telling me I was smart to delete the card and that was it. In the meantime, all these people opened cases against me for refunds. The choices I am given to respond are : I alrwady refunded them, I will refund them or I shipped the item. I HAD NOTHING TO DO WITH ANY OF THESE TRANSACTIONS!! And those are the choices they give you. I have called no less than a hundred times but yuo can't get an agent over the phone. I have emailed them the entire story with no response. I have tried their " Virtual agent '' again and no one responds. The cases total around {$500.00}! This is insane. PayPal 's security failed me and they are charging me for it. It seems like an obvious scam - adding a debit card to someone's account and then getting money sent to the card and transferring it from there. But PayPal blew me off when I reported it and now I can not even get a human being to help me. On top of that, the people who got conned have my email address from the transaction and have sent me threatening emails for taking their money. So not ony has PayPal disregarded my financial security but my personal safety as well. | ||||||
| 04/27/2020 | Yes |
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| On XX/XX/XXXX, I tried to use my PayPal to cash a check mobilly. PayPal has partnered with XXXX money services to perform these tasks. I entered into my secure PayPal app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from XXXX with the PayPal logo that they were ready to deposit the money into my PayPal, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure PayPal app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called PayPal, who told me they could do nothing and to call XXXX. I called XXXX and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check XXXX sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, PayPal will do nothing and XXXX is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. XXXX should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction. | ||||||
| 05/11/2020 | Yes |
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| i sent the following to paypal in XXXX " On XX/XX/XXXX I was informed by Paypal that they were closing my account from sending and receiving money anymore and any money in my account will be locked for 180 days. This is unfair and I was given no reason other than what seems to be because my mother was sending me large amounts of money to cover my expenses. This is unfair and I want my account reopened or at least release my money now '' then the company responded " Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPal 's user agreement ( User Agreement ). In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. As a result, we decided to cease offering our services to you as permitted under the Restricted Activities & Holds section of the User Agreement. We notified you of this action through email the same day. Per the aforementioned section of the User Agreement, Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. Pursuant to the abovementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days, if reasonably needed, to protect against the risk of liability and refuse to provide PayPal services to you in the future. We will make any remaining funds, less reversals, available to you on or before XX/XX/XXXX. ATTACHMENTS CFPB Response - XXXX XXXX XXXX ) .pdf ( 66.7 KB ) ' it has been XX/XX/XXXX already and paypal has not released my money and i can't get through to them | ||||||
| 09/05/2023 | Yes |
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| i created a Paypal business account on XX/XX/XXXX for my videography services. on XX/XX/XXXX, i was paid {$1600.00} by a client. paypal put a hold on my account and added limitations. therefore i am unable to access my funds at all. i asked what i could do, i was told on XX/XX/XXXX that i needed to provide identification and explain what kind of business i conduct. i did so. it said that it would take 3-5 business days to review. it also said that funds should be released within 21 days. after the 3-5 days, nothing. the limitation was still places. i messaged with customer service almost every day since then, asking for updates, seeing if there was anything i can do. on XX/XX/XXXX, i was updated that the amount of money i was able to receive was raised from XXXX to XXXX, therefore the amount i received was within that amount and my account was partially restored. the page that shows my balance showed the money as now available for transfer. however, when i would try to transfer id receive an error message. i messaged with customer service again. they said that they would be escalating the matter to their back office, something that was already told to me a few times. on XX/XX/XXXX, i reached out again for update as it was time for rent and i was desperate to access MY own money that is being withheld from me. they said the same thing about escalating to the back office. i called again on XX/XX/XXXX. they said they would escalate to the back office. again, all of this for something that was supposed to take 3-5 days to review. i asked to speak to a supervisor. i did and they said they would escalate it to the back office and i should receive a response within 7 days but to manage my expectations. i literally cried to this woman and said it feels like i just keep getting told indefinitely that eventually i will have access and to just wait it out, but i need access to my own money to live. she said there was nothing she could do. she said she has no ability to directly contact anyone at the back office. i am counting on this money to survive. after i receive the money, i will no longer use paypal. i am just desperate to take my money out and stop using this business. | ||||||
| 11/05/2016 | Yes |
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| Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month. | ||||||
| 07/15/2019 | Yes |
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| This is related to Paypal dispute case XXXX. I purchased a product manufactured by XXXX from a vendor through their website on XX/XX/19 and was provided a confirmation email with order number XXXX. I tried contacting them a couple of times via email to ask for an update on when the product would ship, but they did not respond. I contacted XXXX, and they told me this website is a fraudulent one. I then contacted PayPal on XX/XX/19 to report the fraudulent activity and request a refund. The vendor provided a tracking number on XX/XX/19 and an incorrect item was delivered to me on XX/XX/19. The item delivered to me is a cheap knock-off of the item I purchased. While it has a similar appearance, it is not the product made by the manufacturer. I can tell because the real product includes the XXXX name and logo as well as the name of the product on the physical product. This imitation product does not have any such logos or names on the device. Additionally, both the carrying case that the fraudulent product arrived in as well as the User Manual included do not have the XXXX brand or logo on them or indicate in any way they are manufactured by XXXX. The carrying case itself is not the same packaging that is used with the actual product. I found the actual product in a local store and it comes in a box, not a carrying case. The sales receipt I received via email confirms I had ordered the " XXXX XXXX '', not an imitation item. Paypal has repeatedly acknowledged that I received a fraudulent item, but has told me I must mail the item to XXXX, with tracking information, in order to get a refund. The cheapest way for me to do this costs {$410.00} per my visit to the XXXX store, which is more than the cost of the item. The item shipped to me from California, not XXXX. I have spent over two months attempting to resolve this dispute with PayPal and we are now at an impasse as they refuse to refund me or provide me a reasonable place to ship this fraudulent item despite their acknowledgment that I never received the item that I ordered and paid for. I request a full refund of this imitation item shipped to me that the vendor fraudulently represented as the real product. | ||||||
| 07/15/2021 | Yes |
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| It started with a emailmessage from a XXXX XXXX to XXXX XXXX A message from Paypal Helpline - XXXX You authorised a payment of {$690.00} USD to ( XXXX XXXX Thanks for using PayPal. Please check the complete transaction details below. If you havent made this purchase call PayPal immediately at " XXXX to report and block this transaction. So I called the above number and denied this transaction they asked me type in an address in the browser so I did the next message was to type in a code so I asked about a code they gave me one to type in as soon as the code was typed in I lost control of my computer no matter what I did to this day XX/XX/XXXX they still had control of the computer they would not tell me what they doing they said they were transfering the {$700.00} into the bank account XXXX to cover the {$690.00} with-draw-al from the account but insted of {$700.00} a typo was made to {$7000.00} and so now te account showed a balance {$7000.00} so now they wanted their money back but they could not make the reverse transfer work. So they had me go to XXXX XXXX and get 7 Gift cards at a {$1000.00} apiece which I did and charged them to my XXXX credit card Today XX/XX/21 they called and wanted me to go to the bank and withdraw {$21000.00} in cash and mail the money to them but I refused to do so the conversation was some what heated. Later on I tried to get to the consumer finance.gov address but they closed down all the address tabs and locked the computer so I shut computer off and took the computer to the computer shop where it is now for a cleaning and a fresh reload of XXXX XXXX. The people I was talking to, probable were not people representing Pay Pal. Who knows, They had me believing i was doing the right thing that they do these procedures all the time. I went to another computer so i could look at my bank accounts, with out being interrupted, and saw that they did not transfer any money into the bank account, they just moved some of my money, from one account to another to make it look like they deposited money into the account that they claimed to have charged to and then wanted the gift card information to get the money they claimed to have deposited. | ||||||
| 07/30/2018 | Yes |
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| My PayPal account was shut down without any warning. This was a major part of my income. They said it was because of the XXXX that I was selling on XXXX however this is only one of the products I sell through PayPal and XXXX only contributed to a small portion of my income. I purchased the Caffeine from XXXX with PayPal and sold it to consumers and accepted PayPal so there was no way for me to know that this was against PayPals policy if i purchased it from a supplier that accepted PayPal and has been selling it for years and still is!. This happened on XXXX. There are only so many payment processors out there and if you get cut off from one like this your out of business! The XXXX '' s were my personal information i blanked out. Here is what they said : Dear XXXX, A recent review of your account activity identified products/services on your website violate PayPal 's Acceptable Use Policy. Specifically, supplements containing unapproved drug ingredient such as : Pure XXXX, Powder, Anhydrous, 99.0 %, 20KG XXXX XXXX XXXX are associated with XXXX ; XXXX XXXX XXXXXXXX and are not permitted on our platform. Therefore, your account has been permanently limited. Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Please refer to XXXX user XXXX Per the User Agreement, when PayPal permanently limits an account due to a violation of the Acceptable Use Policy, any funds on your account are held for 180 days. In addition, y ou may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. Sincerely, XXXX PayPal, Brand Risk Management PayPal | ||||||
| 09/27/2023 | Yes |
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| My account was hacked and I filed a dispute back in XXXX and I was trying to add information to them disputes but I was not able to my dispute was filed one day then the next day it said that the dispute was found valid so I waited to file another dispute because I did receive a email saying that my account has been flagged I was not going to let a theft happen with my hard earned money I had to file a police report which took me a while because my identity had been stolen and I wlhave been working with many different creditors and companies trying to gather information when I filed a dispute in XXXX paypal found all the dispute in my favor and said they were unauthorized so I did no wrong I still wasn't able to provide information that helped my case but the case was ruled in my favor and after it was ruled in my favor my account was shut down then a 10 second review my account was immediately banned and my money is being held I have attached a police report which shows that my identity has been stolen and my accounts have been compromised so if I need to provide more information that helps my case and get my account unlocked I have more information that proves further in depth that I have had my identity stolen and accounts hacked have sent as much information as I can the only question I have is my did paypal choose to dispute some of the items I disputed back in XXXX and close majority of the items saying no error occurred and I was abusing the system back in XXXX I was never allowed to give any additional documentation to help my case it was reviewed in 1 day and said no I know my case has not been reviewed because I never was allowed to send additional information when I disputed the items a second time so within 1 day paypal found that everything I disputed was intact fraudulent without me ever sending any additional information but also closed all cases in my favor and locked my account I just want to know why I wasn't able to provide information the first time because my account would not have been locked if I could have provided a legally binding document like an police report which states that I was a victim of identity theft and had my identity stolen | ||||||
| 10/17/2023 | Yes |
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| On XX/XX/ at around XXXX XXXX, I received an email from PayPal stating that XXXX XXXX sent me {$27.00} ( XXXX XXXX XXXX. That same day, around XXXX XXXX I received another email from PayPal stating that XXXX XXXX had started a conversation ( see XXXX ). I joined that conversation, where she stated that she sent that money by mistake and I told her that I could refund it minus the fee that PayPal does not refund ( and to which I never agreed on, that fee for this transaction was {$0.00} ), which came to a total of {$26.00} ( {$27.00} - {$0.00}, see XXXX ). In that same conversation she noted that this was okay. At around XXXX XXXX, i received an email from PayPal that a dispute that been opened for the {$0.00} ( see XXXX ). This sounded like a contradictory statement made by XXXX XXXX on the conversation she had opened. Furthermore, when viewing the complaint itself ( see XXXX ), she mentioned that the issue was " Item not received ''. I never sold XXXX XXXX any goods and prior to this encounter, I had never met her. She sent money to the wrong account, asked me to return it, and I returned it, minus the fee charged by PayPal ( deceptive practices ). There is no reason why I need to pay out of my own pocket for the mistakes of others. The appropriate thing to do, like all other financial systems, is to refund both, the money and fees, thus PayPal deceptive practices which attempt to rob people from their hard earned money. I attempted to contact PayPal via phone ( twice ) and left messages on their chat line, but all attempts were unanswered. On XXXX XXXX XXXX I submitted information about the dispute, mentioning the same information found on XXXX and received an email that they had received my information ( see XXXX ). On XXXX XXXX XXXX I received an email that from PayPal with the title " We've decided in the buyer 's favor '' and deducted the {$0.00}, leaving my account XXXX XXXX. This is an unfair practice, especially since I never asked for any money, the sender agreed to the partial refund ( due to the unfair PayPal fee charge ), and I have to pay out of pocket for this? I would like a refund as well as an investigation into these unfair PayPal practices. | ||||||
| 06/28/2023 | Yes |
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| I used to own a high end watch resale company, based in XXXX FL. I used PayPal to process my clients credit card payments. After having my account open for more than a decade AND having been approved for more than XXXX XXXX dollars in processing monthly, my account was in a great position to carry my company to the next level. I was preparing to expand, hiring XXXX employees and investing in sponsorship with the XXXX XXXX. Every transaction included serial numbers from each timepiece, tracking from XXXX overnight and insured shipping, in addition to calling PayPal to confirm that my account was set to handle the transactions without any issues. Additionally, I paid my supplier from PayPal, to keep the transaction locations in XXXX location. In XXXX of 2021, I was in XXXX conducting business. My client ordered another few pieces, so I charged him via PayPal. Immediately, my account, the buyers account AND the suppliers accounts were frozen. All funds left in each account. I received a message that within XXXX XXXX, the funds would be released. I tried multiple times to contact PayPal and settle the issue, but to no avail. They told me there was nothing that could be done. On XX/XX/2021, PayPal removed {$71000.00} from account. There was no warning, no communication. To this day, I am approved for over XXXX XXXX dollars of processing on this account, which is frozen and unavailable for transactions. My business had to be shut down. I could no longer conduct business, as all my liquid was lost in the theft from PayPal. I hired a lawyer on contingency around XXXXXXXX XXXX ago to handle retrieving the money, but they didnt get an answer from the demand letter and I can not afford the money needed to continue pursuing PayPal XXXX They have robbed me of my income and the XXXXXXXX XXXX it took me to build a reputation strong enough to get the clients I had. I couldnt process payments from them any longer, as a new processing account only allows at most XXXX of processing. I look to XXXX to provide and I look to CFPB to help me communicate with PayPal and XXXX retrieve my families hard work. Thank you so much for your consideration, patience and understanding. Y | ||||||
| 12/26/2019 | Yes |
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| My PayPal account had worked fine sense XX/XX/2018, with my first transaction with PayPal was on XX/XX/2018. For the last 19 months I have had normal transactions between friends, certain businesses, XXXX, etc. During this time I did not have one complaint or charge back, so it came as a huge surprise to me when my account was permanently closed and funds being withheld immediately after a friend transferred {$720.00} to me. Before this transfer I had checked my account and everything appeared to be normal, no notifications from Paypal of any kind. After the transfer, Paypal said their system flag my account as a security risk, with no further explanation as to why their system automatically did this. Their algorithm is unfair and I havent been able to get a human to override the ban, therefor they are holding my funds for 180 days. Keep in mind this transfer to my account was not so to a sale of any kind, but rather a friend paying me back money that was owed to me so for Paypal to put a hold on these funds is wrong and I believe they are doing this to thousands of their customers, so they can make interest off these individuals to make up for their recent divorce from XXXX. XXXX is taking on a 2nd money transfer service which will arguably cut into PayPals profit margins. Ive researched online to see if this was happening to anyone else and he was shocked to learn how many people have the same issue, where they were flagged for doing nothing wrong. The customers that did wait the 180 days they got their money back, did not receive a penny more which shows that Paypal did make money off of those individuals for 180 days. It is not right, and their buyer guarantee policy of 180 days is what they are claiming is their reasoning to hold these funds, but in this case there is no buyer so why they are holding my money is what Im complaining about. I want them to restore my access to my account so I can retrieve all of my money, and I will never be using them again so they can close my account if they wish after that. I need this money yesterday, and it has cost me hundreds of dollars in late fees by not being able to access it and its getting more costly each day. | ||||||
| 02/20/2021 | Yes |
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| I was charged {$29.00} for an adult phone app thru XXXX and paypal. I don't remember and want it refunded. I am unable to login to cancel. Refund me. I would like to open a dispute against this vendor. Its a fraudalent transaction. It is some scam app on XXXX. The company who took the money wont aknowledge the service or give any details. When I try to login with the email address they claim i used to sign up for the subscription, it simply says i have no account. They say to paypal and XXXX its a 3 month subscription that was cancelled. Even if i had cancelled or them I should still get at minimum a prorate refund since it was only days into the 3 month plan I was charged for. Like judge XXXX would say if it ends up on there : Its like being charged for a steak you didnt order, if you are not allowed to eat it once its paid for, then this is fraud if you dont refund the merchant. I can not be charged for an entire steak if I didnt order it and didnt eat it. I should get my money back here. Please open a dispute and include this text. It is some company called XXXX? I am not sure if I have the right company, but the charges appeared as charged by XXXX using my paypal account. Niether company would assist in refunding to date. Please assist. Paypal gave the following case info, but refuse to provide any documention and ignored my appeal request. I would like to appeal this with paypal. Below is the only correspondence received to date from paypal : " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information : Dispute Case ID : XXXX Transaction Amount : {$29.00} USD Dispute Amount : {$29.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal '' | ||||||
| 06/14/2020 | Yes |
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| I have been using Paypal for years and it is linked to my Bank account only. I once had a visa debit card but when it expired years ago did not link one to paypal. On XX/XX/2020, I received a email from Paypal about a case that was submitted by some other Paypal account holder, Indicating that her account had been hacked into and there were 5 purchases made from me in the amount of XXXX dollars and some change. I was told that I needed to respond to complaint by XXXX XXXX. I went into my account and found activity that I had not initiated. I had not and did not sell anything to this person ever. When I checked more activity I found 27 Master Card Debit card instant transfer transactions that I never made. The total of those transactions was very close to the money from the account that was hacked into. I do not have a Mastercard debit card. My card is a Visa. I tried to file a dispute but because it was a master card debit card was unable to without going to payal chat as there was no way to contact by phone. Finally a dispute was submitted by customer service on my behalf. I indicated in my dispute that those 27 withdrawal from my account using a Master card debit card was not authorized by me and that I do not own nor have I applied for a Master card debit card. I questioned how this card was used to access my paypal account. I also questioned why red flags did not go up because my paypal balance is always XXXX. When I purchase most transactions are paid for using my linked bank account. I even indicated that there was something suspicious about money going into my account through a purportedly hacked account in almost the same amount as was instantly transferred from this fraudulent on the same date XX/XX/XXXX. All activity on that date. Paypal denied my case and I appealed. They denied my appeal saying they found the transactions consistent with my history. I asked them to look at my history and they will see that somehow the Mastercard Debit card showed up on activity statement for XXXX XXXX as a backup card. do not know how that happened. all activity prior to that only shows that I paid for my transactions and there is no back up master card. | ||||||
| 01/16/2018 | Yes |
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| I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues. | ||||||
| 06/15/2021 | Yes |
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| This complaint relates to Paypal account " XXXX ''. The name on the account should be XXXX XXXX but is incorrectly listed as XXXX XXXX. I initiated a transfer of {$1400.00} from Paypal to my checking account. It completed XX/XX/2021 - my checking balance went up and my Paypal balance went down. See attached bank statement. On XX/XX/2021, Paypal took {$1400.00} out of my checking account and did NOT put the {$1400.00} in my Paypal account. They simply took the money. There was no valid reason for Paypal to move the money. I did not instruct them to take {$1400.00} from my checking account. I did not authorize them to take {$1400.00} from my checking account. Yet they did. They stole my {$1400.00}. It never reappeared in my checking account nor my Paypal account. Paypal is a NIGHTMARE to deal with. There is no phone number to call and they are unresponsive to messages sent to them through their system. I know from a complaint I filed with the Illinois Attorney General that they claim that they never actually received {$1400.00} from the bank on XX/XX/2021 ( or any subsequent date ). They claim that they asked the bank for {$1400.00} but the bank did not comply. Paypal 's claim that the bank did not comply is contrary to the information shown in my checking account statement. When Paypal claimed that the bank had not transmitted the {$1400.00} to Paypal, I complained to the bank. I have attached the bank 's response. They state that a transfer to Paypal did complete on XX/XX/2021 and they provide an ACH trace # of XXXX. Paypal is incompetent and should be shut down or CLOSELY regulated. They play fast and loose with facts and the rules. I have spent over four hours attempting to correct these idiots ' blunders. I am tired of it. Also, I have repeatedly attempted to correct the name on my paypal account. The account name on my non-business account is supposed to be XXXX XXXX. But due to a mixup with shipping address, it is XXXX XXXX. I have repeatedly ( at least 5 times ) requested name change and provided the following documents : Social Security Card, Driver 's License, Utility Bill. Yet the XXXX at Paypal have failed to correct the account name. | ||||||
| 04/15/2020 | Yes |
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| My computer was hacked and someone went into my XXXX and made 2 purchases that come out of my personal checking account and also went into my paypal and sent themselves XXXX also out of my personal checking account. Both XXXX and Paypal was linked to my personal checking account. Whomever done this also done 2 transactions off of one of my credit cards. XXXX is actually what alerted me by email that someone might have hacked my account and they shut down my account immediately. They stopped all purchases and automatically refunded transactions I have not been able to speak with them not once but they knew this was not me and shut it down immediately and refunded the transaction. I immediately called my personal bank because I have XXXX and Paypal charges and I disputed them and they automatically removed them because they also knew this was not me. Well immediately the morning of XX/XX/20 when I discovered this I automatically completed and unauthorized transaction with Paypal. They denied this due like transactions and stated this was not unauthorized. The person that completed this sent themselves XXXX out of my personal checking account why would paypal not wait until funds were authorized before sending money but I am guessing they did not. I was contacted on XX/XX/20 concerning negative balance because my bank returned payment and I have appealed this 3 times and they keep denying. I have all proof this was not me I can send whatever needed but when talking to someone on message center due to can not talk to anyone one by phone you ask them what they possibly will need to prove this and I am getting nowhere. I have money in savings in my paypal account and now that they have my account showing XXXX negative I can not even get that out. Which I am not to much worried about the savings I need to have this fixed on the charge for XXXX this transaction was in no way me and I need help to get this removed from account. I have attached a copy of the transaction with Paypal, the denials from Paypal, Proof from my bank, Proof from my credit card, email from XXXX alerting me of fraudulent activity and I am also attaching a letter that I sent to Paypal XX/XX/20. | ||||||
| 06/27/2019 | Yes |
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| This also fits under the fraud category, but I've already tried to dispute my fraudulent experience with Paypal and they refused to help based on their own policies about money transfers between " friends/family '' vs. business transactions. Ultimately, I bought tickets for a very small local show through someone selling on the XXXX discussion page. After texting back and forth, they seemed legitimate and of course after the money transfer was initiated is when it began to appear suspicious. I IMMEDIATELY disputed the transaction with Paypal and considering they said the user wouldn't receive funds until the following Monday ( transaction was on a Thursday ) it seems highly likely they could have cancelled the transaction in time if they cared even slightly about their customers. They closed the case simply because they don't provide purchase protection on that type of transaction. Overall, their website needs to do better and take more initiative in preventing this type of fraud. I was told to pay the scam artist through friends/family format and wasn't initially suspicious because Paypal claims this method does not come with additional fees. So yeah, when it's a peer to peer payment it makes sense that they wouldn't want added fees. Well, the first misleading information is that this method does in fact, still come with fees. {$4.00} of additional fees, to be specific. Secondly, they need to do a better job of stating that when sending through family/friends you WILL NOT GET YOUR MONEY BACK. PERIOD. If you care about your customers, spell it out. I did a quick search on their website for customer protection and found a page that made me feel secure with my decision. Well of course, when I go back to the page and read the fine print and details it turns out that my transaction was of course, not covered. You're the leading money transferring service in the world. Do better. Also, I filed a formal complaint against the user with customer service. All they did was limit his ability to sell, which of course, means he can continue to accept money and scam other Paypal customers. Paypal does the bare minimum to protect its customers and prevent fraud. | ||||||
| 05/03/2018 | Yes |
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| Hello, My name is XXXX XXXX. I have a full time job in XXXX, Florida and have a company registered in the state as XXXX XXXX XXXX This is a small company that I mostly use to earn extra cash as a XXXX XXXX XXXX XXXX ( after working in the XXXX XXXX for almost a decade ). I also help XXXX XXXX with XXXX XXXX XXXX. My XXXX XXXX are post paid. For my XXXX XXXX, I use PAYPAL to collect funds after the service is performed and the client is satisfied. OnXX/XX/XXXX PAYPAL limited the use of my account. They flagged my account as " high risk '' and I went through an appeals process where I provided explanations of my services, sent documentation of my company registered in the state of Florida, and other personal information for them to verify me. I immediately submitted all the requested information/documents and explanations in order to resolve the matter. After this, onXX/XX/XXXXXXXX XXXX PAYPAL rejected the appeal and decided to permanently freeze the account and hold my funds ( {$2000.00} ) for 6 months. I called on XXXX XXXX and asked for an explanation and their responses were vague, and they were not willing to help me identify exactly what activity violated the agreement with them. I asked them to please point out where in the agreement I could find a statement that would go in line with my alleged violating activity, and they refused to do it. PAYPAL continued stating that there was nothing I could do to get the funds released, due to security reasons. Their behavior is quite unreasonable, and I feel that they are taking advantage of the small businesses. They vaguely argue the reasons why they freeze funds for 6 months, and offer no amicable solutions to resolve the matter with me. Please help ask paypal to release my funds. There are thousands of Americans being victim of this type of behavior from PAYPAL. There has to be some time of illegality about their unilateral actions which do not have any specifically valid or reasonable explanation about their user agreement violation. Other financial entities do not have this type of predatory behavior, and I request that PAYPAL stops hurting small businesses in our country. Sincerely, XXXX XXXX | ||||||
| 10/10/2023 | Yes |
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| To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding a concerning incident that not only affected me personally but also raises important issues of discrimination against the XXXX XXXX. On XX/XX/2023, my PayPal account was subject to actions that I believe were discriminatory because of my gender identity. Despite being a loyal and responsible PayPal user, I was informed that my account was suspended, and my funds were held for an extended period of XXXX days under the pretext of " PayPal loss recovery. '' However, what deeply concerns me is the belief that my account was targeted solely due to my XXXX XXXX. This action, based on my gender identity, is a clear violation of my rights and goes against principles of equality and inclusivity. Discrimination against any individual or group based on their gender identity is not only morally wrong but also illegal in many jurisdictions. My account had a balance of XXXX XXXX Upon checking my account in XXXX I realized my balance on my PayPal account was reset to XXXX XXXX after a group of people made a complaint to Paypal because of my gender. As a member of the XXXX XXXX, I am deeply committed to promoting diversity, tolerance, and acceptance. This incident with PayPal has shaken my trust in the company 's commitment to these values and its responsibility to protect its users from discrimination. I kindly request a thorough investigation into this matter and a clear explanation of why my account was subjected to such actions. Additionally, I ask that PayPal takes steps to prevent such incidents from happening to other members of the XXXX XXXX or any other marginalized group. I believe that addressing this issue is not only essential for me personally but also for the broader XXXX XXXX and anyone who has faced or may face similar discrimination. PayPal should stand as an example of a company that upholds the principles of equality, inclusivity, and non-discrimination. Thank you for your prompt attention to this matter. I look forward to a resolution that not only rectifies the situation but also contributes to a more inclusive and accepting environment for all. | ||||||
| 08/15/2022 | Yes |
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| We sold some old XXXX Ornaments and the person who bought them wanted to use PayPal. I did and PayPal shows that I received {$360.00}. However, PayPal won't let me transfer that money to my linked bank account. I've tried contacting their Customer Services via chat, phone, and XXXX and the XXXX team was the only one that I was able to correspond/communicate with. They first said maybe it was account limits, but this is way under the {$25000.00} limit in the documentation they provided. Then they suggested maybe there was something unresolved, but there is nothing in their resolution center that is open or indicates an issue. Then they suggested waiting for 12 hours in case there was an issue in sending the money to the bank. I waited nearly 24 hours but have the same issue. So then they said that " When you attempt to add a card, withdraw, or send payments, we check for unusual factors associated with the particular transaction. The unusual activity can be accessing your account from a different region, usage of unrecognized or restricted networks like VPN, public networks, or an abnormal transaction. '' They then suggested waiting for another 48 hours so that their system can clear any flags. But they can not tell me what flags there are, if there ARE actually flags, or if there is another issue. Apparently their internal security system is automated and no one at PayPal can see what it does or why it does anything, so they don't actually know what's going on with my account. All they can say is " keep waiting '' for the mysterious automated system no one can review decides to let me transaction go. My account is verified linked properly, and I've previously confirmed my identity with PayPal with my driver 's license and other documentation they use for verification. I reside in the U.S., have tried the transaction on their mobile app on the XXXX network, their website ( XXXX and desktop & laptop on home networkXXXX, & work laptop over corporate VPN ) with multiple browsers, and nothing works. I've had PayPal for nearly 20 years so I'm not a new sign up, but for whatever reason they won't release my money and can't tell me why they won't release it. | ||||||
| 06/14/2021 | Yes |
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| My name is XXXX XXXX. I am a PayPal user. I have an account with PayPal with amount {$10000.00} which PayPal froze from me and promised to give it back to me within 180 days. At exactly 180 days, I got email that my password, security questions and phones numbers have been changed and authenticator being added to my PayPal account. I tried to log into my PayPal account but I couldn't and I called PayPal but no one responded as they used covid as an excuse. I also got email that a card ending in XXXX has been added to my PayPal account. The hacker withdrew my funds to this Prepaid card which isn't owned by me. On XXXX I spoke with PayPal customer service for the first time and reported the incident including the withdrawal and changes made to my PayPal account and the card which isn't owned by me in which the funds were withdrawn to. The PayPal customer Service opened a case for me with case ID : XXXX and the PayPal customer agent assured me that if Unauthorized use is found during the investigation, PayPal would refund me the full {$10000.00} and said I should keep checking my email for update. Few days later I got an email that PayPal found Unauthorized Account Access and said case has been protected by PayPal. I waited for the refund which PayPal promised but I didn't see up till now. So I called PayPal agent again and a different person picked and said yes Unauthorized use was found and said the first agent I spoke with forgot to include the reported transactions the first case which I won which PayPal said they noticed Unauthorized Account Access. The second PayPal agent said she will now open a new case with the mentioned transactions in a new case ID : XXXX. After few days PayPal said no unauthorized access was found and refused to refund me my funds which were taken away by the hacker. Evidences are there in the first case of all the changes made to my PayPal account and how my funds was removed. I want PayPal to use the first case ID : XXXX which they found Unauthorized Account Access and judge the case to include the reported transactions in the second case ID : XXXX so my funds can be refunded to me as I won the first case | ||||||
| 01/14/2021 | Yes |
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| A phishing account was created on Venmo. This phishing account was impersonated by someone who used my brother 's Venmo account profile picture and username. Me and my brother had previous Venmo exchanges, thus the phishing account used his profile picture and username to request {$450.00} " for a few days '' on XX/XX/2021. The account name and profile picture was exactly identical to my brother 's. After sending him the {$450.00}, the scammer account asked to send an extra {$100.00}. Thinking that this is my brother, I sent the money without questioning it. Within 30 minutes I called my brother and asked why he needed the money, where he stated that he did not ask for that money. I immediately contacted Venmo and tried to resolve this situation and get my funds back that were stolen from me unfairly. I had money stored in my Venmo account and thus, the money was immediately transferred to the scammer. When I spoke with customer service of Venmo they were not helpful. They said they would transfer my request to someone and an e-mail would be sent. The next day, I get an e-mail stating that I will not be able to receive my money back and that I should try to retrieve the money back by asking the scammer to send me the money back. They also stated that they were not able to assist me further. So I tried to ask the spammer for my money back, and he/she changed their name to a different name or closed the account. I was unsuccessful in receiving my money back. After this, I tried to message them again asking for help, and they ignored me. I have screenshots provided for everything. It is unfair that Venmo has very minimal protection for their customers in regards to fraud and phishing accounts. If somebody already has a name and last name and someone is able to create an account using their exact name, is very low security and protection to customers that use Venmo. The same scammer asked my sister for {$300.00} on XX/XX/2021. She sent the money. However, Venmo was able to credit her the money back. We filed a police report together in regards to this situation. I have screenshots of the transactions of the scammer when he was impersonating my brother. | ||||||
| 01/31/2017 | Yes |
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| RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. Regards, XXXX XXXX XXXX XXXX | ||||||
| 11/24/2020 | Yes |
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| Dear CFPB I used a company to manage my property in XXXX XXXX. With my permission I told the owner to open a PayPal account to receive payments from XXXX XXXX. Because she was managing the account, she used our both information to open the account with my permission. Little did we know this will turn into a nightmare for both of us. For 4 years Paypal has been holding on to my money, I was not able to get into the account because we could not remember the password. After much looking, we finally were able to get into the account. I went in and tried to send the money to my bank card and it was denied, I tried to send to my bank account it was denied. I was able to pay the property manger {$500.00} dollars, except she found out that Paypal took out the money from her account, instead of depositing money to her account. I wrote to pay 27 times to get help, they kept on locking me out and requesting that I upload documents. Last week I uploaded documents and still have not heard from them. Attach you will see the request for documents and you would see the documents were uploaded. I've been working with my property manager to reach someone at Paypal and we can not get help from Paypal. I kept writing to them and they kept giving me all sought of responses making no sense. The property manger XXXX XXXX was able to reach out to Paypal attorney on XXXX, who responded with her email address and asked me to write to her, I sent her 10 emails and she never acknowledge one. Sent to this email address she XXXX I am requesting your help in getting my money, I hate this company and I hate what it's done to me. I am a XXXX XXXX in XXXX, If I was a XXXX person Paypal would never have done this. One day on the phone the agent told me that this sounds like fraud. I am a very accomplished XXXX in XXXX XXXX. If I was committing fraud, it would not be trying to collect {$7500.00} from Paypal, I would be looking for millions of dollars. What a XXXX thing to tell someone in the climate we are in. Attach is my Id and social security number for proof it's me. I will never used Paypal again, And yes I want you to published this and send to the FTC XXXX XXXX XXXX XXXX | ||||||
| 02/06/2021 | Yes |
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| Venmo charges : In XXXX of last year, I had {$14000.00} transferred into my acct from my brides for upcoming weddings ( I am XXXX employed and have XXXX XXXX XXXX XXXX XXXX business ) I pay for my flowers using my Venmo card. They take out {$1000.00} every time I receive my flowers that goes towards my bill with XXXX XXXX. And they only take out when I receive flowers from them, not on any other days. On XX/XX/1921, XXXX and XXXX Venmo took out a {$1000.00} on each of these day but I didnt have any flowers delivered to me on those dates. I NEVER get flowers on a Friday, Saturday or Sunday. XXXX XXXX is not open on XXXX to deliver and they are closed on Sundays! ) The XXXX was on a Wednesday but I didnt have a wedding that week. They not only withdrew the money from my Venmo acct but also tried to reload from my personal banking acct as well. When they did this it caused my bank to have several overdraft fees not only from the money they tried to get but also caused checks I had written as well to overdraft. Along with taking out other transactions from my bank acct as a Venmo reload as well. I had more than enough money in my Venmo acct to cover all of these fees, so they were paying themselves twice for 1 transaction. I contacted Venmo, using the chat button because there is no way to call Venmo. XXXX said she could not find my transactions from my brides sending me money and I asked if maybe that was the whole problem. On XX/XX/XXXX, they froze my acct because they said I owed them {$840.00} on XX/XX/XXXX they gave me a temporary credit of {$1000.00} for each the XX/XX/1921, XXXX and XXXX transactions but they took out {$1000.00} for what they say I owed them for them leaving me {$2900.00}. Before they could take any more of the money, I transferred as much of it as I could out of the acct. But I could only send {$1000.00} to my bank acct, it would not let me transfer any of the remaining money. So I sent {$1900.00} to my XXXX and she then sent it to my bank acct using XXXX. I immediately closed my acct with Venmo and they finally sent me an email telling me after investigating they found no wrong doing on their part and I now owe them {$4000.00}. | ||||||
| 01/20/2016 | Yes |
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| I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. - The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly. | ||||||
| 10/09/2015 | Yes |
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| On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. '' | ||||||
| 01/07/2021 | Yes |
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| I received a letter on XX/XX/2020 from a firm called XXXX XXXX XXXX XXXX stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " PAYPAL ACCOUNT. '' After reviewing my e-mails and PayPal and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from PayPal notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from PayPal stating that my balance had been sold to the creditor XXXX XXXX XXXX XXXX. The letter sent by XXXX XXXX XXXX XXXX dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXXPayPal in XX/XX/2020. There was not attempt by PayPal/eBay to notifying me of the balance they sold to XXXX XXXX XXXX XXXX of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. While I was initially unaware as to what this balance could be when receiving the letter from XXXX XXXX XXXX XXXX, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. In this case, I believe that PayPal and XXXX XXXX XXXX XXXX are both fraudulent operators. PayPal 's fraudulent activity including the sale of accounts receivables to XXXX XXXX XXXX XXXX in which they had already received payment from the initial customer. I believe that XXXX XXXX XXXX XXXX is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to XXXX XXXX XXXX XXXX to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the XXXX XXXX XXXX XXXX 's ownership of the balance and request for payment. | ||||||
| 07/28/2016 | Yes |
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| On XXXX XXXX, I had XXXX items on my eBay shopping cart in order to be purchased. The eBay system divided the purchase in XXXX sets of XXXX items each XXXX. The first set for the amount of {$450.00}. During the checkout of the first set, I chose to pay by PayPal Credit which had XXXX options, 6 months to Pay and Easy Payments Plan of {$42.00} for 12 months. When I pointed out the Easy Payments Plan I had to log in to my PayPal account in order to ask for credit approval which after about XXXX seconds was approved. The PayPal credit option was active ( not grey ) and pointed out with a big blue dot and I was able to press the button, Confirm and Pa, which I did. Then, I did the same process for the second set of XXXX items for the amount of {$880.00} which also was approved to be payed using PayPal Credit-Easy Payments Plan of {$42.00} for 24 months. Next day my XXXX XXXX XXXX checking account was charged for a total amount of {$460.00}, and over drafted, by which my bank charged {$140.00} fee. This charge was done for the first set of items which were charged as if I had chosen PayPal instant transfer and I did not, I chose PayPal Credit which appears on eBay files. On the other hand, XXXX items belonging to the second group transaction were paid using PayPal Credit and the XXXX others are freeze, they appears as bought but no estimate delivery available. I called to eBay and they said the Payment method I used was PayPal Credit and in order to clarify the situation I had to call to PayPal. So, I have called many times to PayPal Credit and first time they said that I had used instant PayPal and they gave me a letter where they say to my Bank, " the customer unintentionally used their bank account instead of PayPal Credit to fund an instant PayPal payment '' which is not true. Then they said that I had not credit and for that reason my back up account was charged. Currently, I continue receiving promotional mail about PayPal Credit Easy Payments and I still continue being approved to pay using PayPal Credit-Easy Payments Plan. Why PayPal offers false expectations? Their Computerized system is failing and the users are not responsible for that. | ||||||
| 11/28/2022 | Yes |
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| XX/XX/22 - unauthorized money transfer from my paypal cash balance in US dollars to XXXX dollars XX/XX/22 - money was transferred back to US dollars and I lost XXXX due to the loss in the currency exchange rate XX/XX/22 - I opened a case with paypal. While on the phone the rep said he sees this is unauthorized and I will get the difference back into my account in XXXX hours XX/XX/22 - I call to close my account. The rep dissuades me and tells me I can speak to a supervisor. Then he hangs up on me. XX/XX/22 - I call 2x, waste 21 minutes with rep stating he's going to get it fixed. He comes back on the line after being put on hold multiple times and says they will give me a credit voucher on my account to use for my next purchase. I explain that is unacceptable, I had a cash balance and they are violating their contract agreement with me by not restoring my cash balance in full after finding in my favor. I tell him I want to escalate to a supervisor. I get transferred to someone in a large, very very noisy crowded room and the person who picked up doesn't say one word. I keep yelling over the noise for the person to go somewhere quiet so I can hear and again, not one word is spoken. XX/XX/22 - I call 3x, spend 40 minutes with a rep who says he fought it out with his supervisor and I will get the cash balance restored to my account and a confirmation email by the end of the day. XX/XX/22 - no confirmation email, cash balance not restored, I attempts to close my account and they are prohibiting me from doing so and I am filing appropriate federal and state XX/XX/22 - I am now on the phone for 83 minutes and 22 seconds as I write this. Just to close my account. Paypal is trying to force me to link a bank account which is against the law as well as against the Paypal contract and agreement. 34 times now with two reps I have tried to get a paper check sent to me which is a viable option that they offer. When I go to do that, it says there's a problem with my address. There is not. It is the same address I've had with my account for years and used to buy/sell without issue. This is deliberate to frustrate me into giving them my financial information. | ||||||
| 03/09/2022 | Yes |
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| This report will name Venmo as fault for lack of consumer protection. My other report is # Complaint Number XXXX. On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through XXXX mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out XXXX payment on Venmo. He contacts me through XXXX XXXX, and is waiting for me to cash the next deposited check. The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, Wire app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. On XX/XX/XXXX, he asked me to make a Venmo payment, but I never saw it go through. I did not receive an email that it went through. The screen just went to the main screen instead of alerting " your payment has been made ''. Inside the account, it never said it was paid in the list of recent transactions. Nor was I alerted to this problem. All of this was cause for concern, so I did a stop-payment for Venmo payment at my bank. However, Venmo paid it anyway for {$1000.00} without my consent. Venmo is still seeking this payment though I stopped it. The sensitive information the scammer obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature. I think I should not have to pay because of the faulty transactions from Venmo. | ||||||
| 03/19/2020 | Yes |
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| On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one. | ||||||
| 07/13/2023 | Yes |
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| On XX/XX/2023 I used my PayPal account to pay my rent payment of {$3300.00}. I utilized my XXXX XXXX SEND function so I could earn the reward points. The money was deducted from my XXXX account and I paid off the total on XX/XX/2023. I was contacted by my landlord, XXXX XXXX, on XX/XX/2023 and advised he had not received my payment to him. XXXX is not familiar with the PayPal platform and opened the account at my request so I could earn the credit card point every month when I pay my rent. He is a retired dentist of above average intelligence, so I never questioned his assertion that he did not receive my rent payment. I immediately contacted XXXX and spoke to a customer service person who advised me that XXXX inadvertently returned the {$3300.00} to me but the refund could take up to 30 business days to receive. I reconfirmed this several times because I had to resend the {$3300.00} a second time so as not to be late on my rent payment. XXXX contacted me the next day and said that he was able to finally access his PP account and it shows both payments are in his account. I explained that I was told by PP that the first payment will be refunded to me. He opted to take out only one of the payments and leave the other one in the account incase it was removed. On XX/XX/2023 both of our accounts were permanently closed without explanation. ( XXXX ) I immediately called PayPal and attempted to get any information to better understand what had happened and they would not tell me anything. The second payment of XXXX is being held in XXXX 's PP account and they will not release it to him or refund it to me. The representative only apologizes for the misunderstanding about my first payment being refunded with any explanation. Lastly, they said that they will hold the money for up to 180 days before releasing it. I can not afford to pay my rent payment for the month of XXXX, creating a severe financial hardship for me. XXXX is a retired local dentist with an impeccable reputation and I am a former deputy sheriff that works as a civil rights investigator for the XXXX XXXX, not a criminal cartel. Please assist us with getting our money from PP. Thank you. | ||||||
| 10/02/2021 | Yes |
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| got a duplicate charge by XXXX XXXX XXXX XXXX for an order originally deducted and shipped on XX/XX/XXXX. On XX/XX/XXXX, they posted the charge again. The money had already been deducted in XXXX clearly or i wouldn't have the items in my possession. The item s they say they just shipped are seasonal and not even available for sale anymore so the charge is clearly fraudulent. I file an unauthorized transaction dispute and call customer service and this guy XXXX says he needs to change my dispute to item not received. Well then they deny my dispute because of the tracking number the same tracking number from back in XXXX! This is a fraud loophole that has been used on PayPal and these instances are all over the internet of them denying fraud protection because of fake tracking numbers. To appeal the dispute i seek a running account balance and they arent providing one. This is illegal and they were already sued and the judge ruled they were violation of the law for not providing monthly statements with a running balance. They still arent abiding by the law. And this is so they can double charge and skim accounts, and both steal and reap transaction fees from fraudulent charges. They wiped my account and that caused an overdraft. They do not have my permission to debit my bank account but they did it anyway! This is illegal! Then today they froze my account and are saying they want my drivers license and bank statements and credit card info and SS number ; stuff they have NO right to see or mandate access to. I am the victim reporting fraud and they are making me out to be the criminal! I am trying to find a lawyer to take them on this is outrageous. i already live below poverty level and for them to do this to a XXXX woman who has nothing who has used them for two decades is absolutely abhorrent and they should have consequences. I want my money back and I will not provide them with any of that documentation and i want my bank info removed from their access. How can I get this done? They were just found guilty in a class action for some of this stuff like freezing accounts and no running statements three years ago, obviously they don't t care. | ||||||
| 01/15/2017 | Yes |
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| I am an infrequent user of PayPal. I only use their services when it is the only option provided by the merchant. As an extremely casual user, I would never intend to sign up for a PayPal Credit Card. However, it appears that I inadvertently opened a PayPal Credit Card in XXXX of 2015. Unbeknownst to me, this resulted in a hard inquiry to my credit score and it created confusion when I went to purchase a big ticket item last week. Last week, I thought I was using the normal PayPal service for an item that cost {$890.00}. When I received the {$890.00} invoice from PayPal Credit, I was extremely alarmed and furious. I immediately called the customer service number, closed the account and paid the remaining balance using my bank account. THIS WAS NOT HOW I WANTED TO PAY FOR SUCH A HUGE EXPENSE. This forced me to shuffle money between several accounts in order to free up enough funds to cover that large expense. My intention was to charge that item to my normal credit card, not be forced to pay for it right away from my bank account. In addition, I lost out on the credit credit reward points that would have been generated from that large purchase. I am not a careless consumer and I am not ignorant when it comes to reading the " fine print '' of an online purchase. The fact that I accidentally opened a PayPal Credit Card speaks to the disgusting and obvious predatory nature of this credit line. I am certain that there are people all over who charge items to PayPal Credit thinking it 's going on the credit card linked to their normal PayPal. These people most likely end up with massive late fees and penalties. What a disgrace. I 'm glad that I caught this early, but I am angry that I was hit with a hard inquiry and was forced to come up with {$890.00} on the spot to make this work. As a result, I will never use PayPal again. If PayPal is my only option, I will kindly let the merchant know how PayPal treats their customers and take my business elsewhere. PayPal Credit should be closed immediately. I look forward to the class action law suit against PayPal when more people realize that this unsolicited issuance of credit is extremely unethical. | ||||||
| 02/01/2023 | Yes |
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Web | Servicemember |
| I have been using Venmo for a long time without issue. Small sales, Rent payments, the normal things. I own a small sign company, am working on a sign for an XXXX XXXX in XXXX XXXX Michigan in my home state. XXXX XXXX Sent me {$710.00} for the payment to produce and install the sign. I do have a business account also attached to my venmo account. In the comments section, he stated new sign. Upon receipt, I logged in to complete an instant transfer as I have done many times in the past and it said it could not be completed. I tried again, no luck. I removed my card, re-added it and still no luck. I called Venmo, explained the same details and was recommended to remove the card and add it again. I said I already had and they informed me that it can take a little while for the system to update but I could make a standard withdrawal to my bank account on the account. I said it had not been verified and they said verification only applies to funding not withdrawals. I initiated the withdrawal, received notification via email that the estimated arrival to my Bank. In the meantime, Venmo 's site informed me that my Venmo XXXX would be expiring soon and I should order a new one, Did so and it is actually arriving today. Within minutes of all of these transactions, I received an email stating my account is temporarily frozen. I responded to the email asking why and have had no response. I called back and was told I could not talk to anyone and had to contact them VIA email. I have since, received automated messages, asked for explanation and have yet to get a response, Venmo has not requested any information and they have actually verified my bank account all while being frozen. I have talked to whom I was told was Supervisor with no resolution, have been told that my Ticket # XXXX has been escalated and I should have a response in 7 days. These practices are criminal in the electronic world today. I need my account restored or funds returned to the sender. Desired Settlement : I requested the money be returned to the Sender and they told me that can't happen because my account is now suspended and still give me no reason as to why or any resolve. | ||||||
| 12/22/2020 | Yes |
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| On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself. | ||||||
| 09/16/2020 | Yes |
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Web | Older American |
| I have had several disputed transactions from the same individual, a XXXX lender and PayPal has blocked my access to my account making it impossible to dispute the transactions. Over the course of several months I have sent information and details regarding this person, showing how every loan he gave had been paid back. I now have lost over XXXX points on my FICO score because the first two chargebacks in XXXX were paid without my knowledge ( I had changed my email account, but they somehow reversed it and sent the first notice to an inaccessable account ). The chargebacks were submitted as " merchandise not recieved '' and I asked Paypal to get the invoice info to me, knowing that there were no invoices. These were NOT valid chargebacks, but I was told on the phone that the cc companies issuing the chargebacks took precidence and that they had to refund money even if it was not owed. A manager told me that she saw and agreed that I had been scammed, but it wasn't Paypals problem as they just transfer money between two parties. Under the Paypal agreement, when they blocked my access to my account preventing me from disputing them, and then paid these chargebacks because I didn't " dispute them '' ( which, again, I couldn't access my account to dispute them ), they broke their contractual promise to me. XXXX chargebacks have been filed, and a collection agency is now contacting me regarding the first XXXX for a total of {$810.00}. Paypal says they have no responsibility to prevent fraud such as this. I believe they have breached their fiduciary responsibility to me and to others in allowing one person with ( apparently multiple charge cards ) to file repeated chargebacks, all of which occurred ( so far ) between XX/XX/XXXX and XX/XX/XXXX, starting the week the first stimulus payments were being sent out. Further, when they acknowledged that they recognized this as a scam, they should have acted to stop the flow of monies to the scammer. I am not allowed his information without filing a subpoena, which means I have to pay an attorney. I am on a fixed income, and I am even on food stamps. I can not pay an attorney. Please help me resolve this. | ||||||
| 11/04/2018 | Yes |
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Web | Servicemember |
| Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... Ship to the address on this page. Save your tracking or shipping info. Follow the requirements for seller protection. Track your shipment XXXX XX/XX/XXXX at XXXX XXXX PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX Need to contact the buyer? Log in to your XXXX account and go to order details. XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal | ||||||
| 08/10/2021 | Yes |
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| Since we began services with PayPal 5 years ago, while trusting this company with my personal and business funds, on XX/XX/2021 PayPal has obstructed our businesses. Prior to this, my businesses were using PayPal with no issues. Come XXXX I tried to transfer funds from my PayPal to my bank account and was unable to. I called PayPal and the customer service agent told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided PayPal all the information requested and waited a few days and received no response. Transactions were still processing into my PayPal account. Days later, I receive a call that completely startled me, I was told that my account has been limited for 180 Days! That all funds in the account were on hold and non transferrable. This was the start of a large downfall for my businesses. As well as much financial troubles for my family and continues to be. We had multiple 5 figures in the account that was needed for cash flow. All orders have been delivered promptly, I provided tracking for all orders. It has been several months now, and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds soon, then not only my business will collapse, but my family will continue to suffer. I have not abused PayPal 's services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response. PayPal closed my account for no clear reason and has left me with no clear way forward. My email linked to my PayPal is XXXX. UPDATE : After waiting a full 180 days PayPal transferred themselves all the funds I have waited months for. However to my last filing they stated they will return all funds after 180 days. PayPal first held my funds and now embezzled them. I want my funds back PayPal. I will be joining a class action law suit against PayPal with XXXX XXXX XXXX. PayPal my family needs my funds returned immediately. | ||||||
| 07/20/2021 | Yes |
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| on XX/XX/XXXX, I made an online purchase of a trash can for {$57.00} from an online marketplace called XXXX that showed up in XXXX XXXX shopping search results. Because I hadn't heard of them before, I used PayPal because they offer buyer 's protection against online purchases. A week or so went by and I had yet to receive a shipping confirmation and so I emailed the seller and upon receiving no response, I opened up a complaint with PayPal and invoked their buyer 's protection guarantee. PayPal reached out to the seller who immediately sent them a XXXX tracking number of an item delivered that day in my town of XXXX, Massachusetts just minutes before the email was sent. I checked into the tracking number and called up XXXX and got an agent on the phone who told me that, yes, it was a valid tracking number but it had a different name and street address than the one I live at and the item was supposed to be sent to. Because the seller had sent them a " valid '' shipping number, PayPal immediately closed the case and declined to honor their promise and there is no avenue to escalate the dispute or reopen any closed cases. They only say that there was a delivery to that town when confirming the address of where the package was shipped to is the easiest thing to verify. There is no avenue to recover my funds through the bank because PayPal requires you to attach your bank account number instead of a debit card and so I can't do a chargeback for the fraud. So here I am. It seems like the scammers have found a loophole where they can charge as much as they want through ebay and then if they get called out on it, they flash ship something to an address in that town and PayPal can then declare the package delivered and the case closed and the scammers get to keep their money and PayPal doesn't have to honor their promise of allowing consumers to shop safely on the internet using their platform. The scammers get to steal consumers ' money, PayPal get their cut and the only loser is the consumer. This seems like exactly the sort of thing this agency was created to combat so I'm hoping that you'll look into this even if I can't recover my funds. | ||||||
| 02/28/2018 | Yes |
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| On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help | ||||||
| 02/25/2021 | Yes |
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Web | Older American |
| To Whom It May Concern : In XX/XX/XXXX our family planned a vacation to celebrate mine and my husbands XXXX Anniversary. Our vacation plans got thrown off due to COVID-19 complications. My daughter paid for the full total of the reservations, and I planned to reimburse her using PayPal. The amount is {$3300.00}. My daughter and I put in all of the transfer information together on XX/XX/XXXX including the email address. At some point on XX/XX/XXXX the email address was changed to an email address neither my daughter nor I recognized. 29 attempts were made to contact PayPal for remediation, to no avail. 2 attempts were made via the online dispute system for PayPal with immediate declinations. The last reason for the decline Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. An example of a personal payment would be sending money to a family member or splitting a bill with friends at a restaurant after one person has paid. The representatives treated me as if I were senile and not able to understand what was going on, and attempted to confuse me by give me conflicting information me in the same call. I felt bullied and taken advantage of unfairly. Their declination reasons were not relevant to the situation that occurred. On XX/XX/XXXX I requested for PayPal to provide me with a copy of the policies in place for XXXX abuse. I requested a regulatory complaint be filed ; I also submitted an executive complaint. In addition, I requested a copy of their CRA file. On XX/XX/XXXX I received another message declining to comply with my requests. I am entitled to this information as per the Dodd Frank Consumer Protection Act of 2010. This company averted compliance to this Act. On XX/XX/XXXX I sent letters to five different regulatory agencies regarding this issue. I have no compliance from PayPal, just several declination responses. I would like an ACH chargeback to be completed for this purchase that was fraudulently intercepted after my instructions were sent to PayPal. PayPal has refused to complete this chargeback. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | ||||||
| 10/21/2019 | Yes |
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| I opened my business PayPal account on XX/XX/XXXX to prepare for accepting registration for a continuing education conference to be held XX/XX/XXXX. We opened registration for the conference on XX/XX/XXXX. Paypal flagged the account for review on XX/XX/XXXX. I submitted the requested documents on XX/XX/XXXX. I received an email stating that Paypal would no longer offer us services and would hold the money in our account for 180 days on XX/XX/XXXX. I called and spoke with a representative who said that he would escalate the case for a review after I explained our business and standard conference planning timelines. I was told I would receive an email about it within 24-48 hours. I did not receive an email, so I called again on XX/XX/XXXX. I was told that no appeal was filed and that no appeal could be filed. The decision was permanent and none of the three people I spoke with would be able to explain why our account was terminated. The representative also refused to further escalate my complaint to a higher authority within the company. The documents they requested to review did not adequately describe and define the business we are conducting and there was not a sufficient space provided to give a clear picture of our business. After making their decision based on incomplete information, they would not accept any further documents to inform their decision. I then emailed several Paypal executives whose email addresses are available online and submitted a XXXX XXXX XXXX complaint in an attempt to make contact with someone with more authority to help me. I have not received a response. In the process of seeking resolution, I also discovered that the 180 day hold of funds is illegal - in California where PayPal is headquartered, in Arizona where my XXXX was formed and in Florida where I live and conduct business. PayPal has actually been sued and settled a class action law suit ( Zepeda, et al ) for similar behavior. This activity on PayPal 's part is unfair because they are holding my funds for an unreasonably long time and are, in the mean time, generating income for themselves by collecting interest from the investment of my funds. | ||||||
| 11/16/2016 | Yes |
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| PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over {$99.00} are advertised as 6 months no interest, no payments. Purchases under {$99.00} must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under {$99.00}, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over {$300.00} even during months when no new purchases were made. | ||||||
| 08/01/2022 | Yes |
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| What are you talking about I just got my ID from the XXXX it's brand new I even got the letter it came in this is so sad and crazy that this situation is even happening for a company as big as venmo if you looked and what I been through in the last month with you customer service agents from being hung up on ... talked to crazy and then you have the nerve to yell me I can't touch my money for 180 days when you company frozen my verified account I verified my account with you guys before the money was transferred into my account becau as e I needed it for a down-payment on a Aptana was assured everything would be fine and it's been nothing a nightmare ever since and then you make me take pics of my new ID and of me holding it and after tell me 180 days and close my account why even take the pics why you guy are the frauder stelling my money and my info was told on the start of this ordeal that it Would take 6 days called over at Least 5 times and was told every time to be patient and wait another 3 days and the last I waited 7 days to see of you guys would even call me and nothing and when I called XXXX was promised a without? Have access to my account today and get an email after she requested pic of my ID 180 days that insane for a mistake done on you part you keep telling me your verifying but the funny thing my account was verified already. Before you froze it like on the app of told me I was all set you verified you customer service agent assured before the person sent the money there that I was fine and then send the money there and do a couple transfer and you freeze My account and then put me through he'll for s whole month is insane you do this to XXXX people I have seen the reviews but you know what My accountbwas varies already this a mistake was done on your part but what do you expect from a company who can't even organize there own emails I have gotten emails being called names that were not mine from your venmo mangers and in the body of the email there name is not even right you guys can't even send a simple email how do you have the responsibility of holding and transferring peolem money I just still can't believe this | ||||||
| 12/04/2019 | Yes |
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| The company I am filing a complaint against is PayPal , Inc . Around the end of XX/XX/2019, I made a change of my personal bank accounts from one banking institution to a new, different banking institution. When this change took place, I logged into my PayPal account and made the updates accordingly. I made my NEW account my preferred account for paying for transactions and attempted to remove the old account I no longer wished to use. I was unable to remove it from my account page, so I placed a call and spoke to a PayPal representative. They informed me at that time that the old account could not be removed for 60 days, since a transaction had recently been applied to that OLD account. I understood and thought that was a fair process at the time. I asked the PayPal rep at that time if my new account was indeed the preferred account going forward and that the old account would not be used for any further transactions. The rep assured me that the NEW account would be the main account and used moving forward. Since that time, PayPal has continued to place charges against the OLD account repeatedly. I have placed several phone calls to have this corrected and for over two months now, I have not received any sort of resolution whatsoever from PayPal. They have caused me to incur several hundred dollars in fees from my OLD banking institution. In continually placing charges against the OLD account, I am not able to close that account with my institution which has caused me great frustration. Furthermore, PayPal has been removed as a method of payment from ALL previous merchants. Yet, they are still trying to place charges against my old account. This most recently happened today ( XX/XX/2019 ) with a XXXX XXXX product. I spoke with XXXX this morning and they were surprised that PayPal attempted a charge for this product, for two reasons : They are not listed at all on my XXXX XXXX account as a method of payment ( They confirmed my VISA # on file that is set to be charged ) and secondly the charge should not have been applied until after XXXX XXXX this evening. I believe these practices by PayPal are fraudulent and deceptive. | ||||||
| 10/27/2018 | Yes |
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| To Security Department of XXXX : There is a criminal element/culprit exploiting XXXX as a platform from which to attack our XXXX XXXX XXXX corporate checking account. Thus far this thief/thieves has/have stolen a total of {$240.00} across 6 transactions ( the latest occurring this morning ). Please kindly coordinate investigation at XXXX and cooperate with XXXX XXXX XXXX, which has opened a fraud investigation. This is also being reported to the FBI. Processing Transaction layer ACH HOLD XXXX PAYMENT ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD XXXX PAYMENT ON XX/XX/XXXX as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX | ||||||
| 08/04/2015 | Yes |
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| On Friday XXXX XXXX my husband and I ordered something on E-bay for {$9.00}. When we chose our credit card that we have in PayPal, which is a XXXX to pay for it, it came back and said it was denied because we needed to send updated credit card information. So we went back in to PayPal to update our credit card information, which we did, purchased the item for {$9.00} from the seller, got the confirmation from the seller that the credit card was approved and it was being shipped. We were unaware that during this process of updating our credit card we were pressing a PayPal Credit key that was authorizing PayPal Credit to give us a line of credit with PayPal Credit. When we checked our email we had not only the confirmation of the item we purchased form the seller, we had another email from PayPal Credit congratulating us that we had been approved for a {$4500.00} line of credit with PayPal Credit. To our shock and dismay we found the number, which is hard to find, called them to inquire about this and the customer service rep told us that we had authorized this line of credit when we checked the box authorizing it and entered the last four of XXXX social security number. PayPal told us that we authorized this line of credit by giving our social security number and checking the box. We never signed an agreement with them. We asked to have it disappear, like we never authorized it at all and they told us that we had to cancel it but it was still on our credit report. I questioned them saying how could it happen that quickly in two minutes and they said that 's the way they do it. I asked to speak with the customer service reps manager and she obliged, so I spoke to XXXX XXXX, I explained the situation. He told me again we had authorized it, we were not scammed, and that we could cancel it but it would still appear on our credit report. I told him that was fraudulent and I felt scammed. I told him I would be pursuing this with one of the government agencies when they opened on Monday. I have not cancelled the account because I was afraid to, that that might determine I was admitting guilt for something that I opened that I did n't open. | ||||||
| 05/19/2022 | Yes |
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| I have a paypal debit card. I live in XXXX XXXX, XXXX. due to typhoon odette, around XX/XX/2021, the city suffered a city wide blackout, fuel shortage, and telecom blackout. I went to an ATM at XXXX XXXX to attempt to obtain cash to pay for food. hundreds of people were in line at the atms. I went into the mall, and found an atm I frequently used, there was no line. I attempted to withdraw XXXX XXXX ( {$200.00} ). the machine did not dispense any money, nor did it give an error. I kept the receipt. immediately, I made a 2nd attempt. it gave an error for transaction denied or otherwise. no money was disbursed. I did not receive any money from this transaction. when we had electricity again, I borrowed a cell based internet device and disputed the error online with paypal. there is no option for 'did not receive cash ', so I selected something similar. I wrote i the small box that I did not receive the money. paypal did not investigate whether i received the money. they only investigated if the dollar amount for the transaction at paypal matched the dollar amount at the bank, what I requested. they did not investigate my claim that the funds were not disbursed, clearly written by me in the dispute. there is no way to appeal, the chat / contact system did not allow me to speak to a person or leave a message. paypal did not disclose to me in accordance with 1005.11 ( c ) ( 4 ) that I had a right to request the documents used in making the decision. I do not have any of the documents used in making the decision. I wrote letter to paypal XX/XX/XXXX which was not responded to. I chatted with them online and they refused to assist me, and gave a false reason. they merely state that the atm was reported to be functional, which is clearly a lie, because the city was in the middle of a city wide blackout, and gas stations were closed, they had no way of putting cash in the atms because there was no fuel for any vehicle to deliver the cash. all stores were closed. there was power at the mall where the atm was located, but all the stores were closed. I did not receive the money. I demand a full refund of {$200.00}. | ||||||
| 07/06/2016 | Yes |
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| XXXX XXXX I sent my daughter XXXX dollars through my PayPal to hers. I did this while on the phone with her and she immediately received an email confirming I had sent XXXX dollars per PayPal. I assumed everything was fine since she got this email. XXXX XXXX, 2016 she calls me and has n't received this money in her PayPal account so I went online to check what my transactions looked like. I found that this money was sent to a XXXX XXXX PayPal account. called PayPal immediately and their response was it happens all the time because I used her telephone number to send the money and this XXXX XXXX has the same phone number on his account and I should have sent this per her email so that would n't happen again but nothing on their site says this is a danger and to use email account instead of phone number. I asked them to stop this transaction before my money got in his account and they told me it was to late they could n't do anything until this money was in his account. I talked to a lady named XXXX who is a transaction specialist she told me same thing and they were n't liable for this kind of transaction but she would email this XXXX XXXX via email and explain to him this money was sent to him in error and she would ask that he send the money back to sender which is me. she told me that if he did n't all she could do is do a chargeback on the money and go from their. My problem was that she said she would keep me informed and she would try to get this money back to my account if she could. I do n't feel like PayPal is doing anything to get this money back to me. I have received no emails from them about what is going on. I feel like I let them know we had a problem and before it was in his PayPal account. I just do n't understand why she received the confirmation email and the money went to the wrong account. I need help from someone to see what happened. and why they could n't get this money back to me. I cant help but believe that this XXXX XXXX found a way to copy my daughters phone number to get this money. i tried to email him myself and my message was returned to me reading that that email address was not a valid address. | ||||||
| 07/15/2021 | Yes |
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| Upon deciding to purchase 2 XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX, I called VENMO ( Merchant ) and XXXX XXXX ( CC issuer ) to confirm I had protection in the event something were to go wrong with the transaction, XXXX and VENNO both confirmed no problem, " we have you covered '' via the dispute process. Therefore, I proceeded with the purchase and paid the seller via VENMO using my XXXX card. Payment 1 for bench 1 was paid on XX/XX/XXXX, {$270.00} ( {$280.00} with fees ) and payment 2 for XXXX 2 on XX/XX/XXXX, {$290.00} ( {$300.00} with fees ). After XXXX XXXX ( seller ) received payments, he did not send the XXXX and updated on XXXX messenger that he received my payments but, unfortunately, could not afford to ship due to personal financial constraints. I immediately contacted XXXX, XXXX, and, VENMO. Subsequently, I got the money back but a few days later was charged again. All of these companies assured me that I had full protection with this transaction but have turned their backs on me responding " there's nothing we can do. '' I'm an XXXX card holder with XXXX, spending several thousands of dollars using this card and now getting no help from them whatsoever. In fact, the " office of the president '' called me 2 weeks ago asking that I return the call. I have tried no less than 10 times to reach XXXX at the " office of the president '' and can not reach her. 2 weeks after the fact, she called my mobile number at XXXX at night and I missed the call. There is no consistency as to when XXXX XXXX return calls and I'm never able to reach a live person. The CSRs at the general number as well as the dispute department will not give out any information other than XXXX ( XXXX ) will call you shortly. 2 months after the fact from the original payment and the seller continues to hold my money and advertise on XXXX and use VENMO. After I threatened the seller telling him to return my money, he sent me 2 broken XXXX that need to go into the garbage. Long story short, XXXX assured me that I had full protection using VENMO as the merchant and now they are doing nothing to recover my money after receiving 2 broken XXXX XXXX | ||||||
| 03/21/2017 | Yes |
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| Hello i have also contacted the attorney general before but no resolution was made, this address i used is just temporary my real address is in XXXX my Paypal account was suspended in XXXX 2016, my money got cleared after 180 days i.e in XXXX 2016 but still i have n't got my money, Paypal does n't allow me to add a XXXX bank account neither i can not transfer my money to someones else paypal, i gave them XXXX paypal accounts, but they suspended those accounts also, the resolution was made that i can add a XXXX bank account to withdraw my money, but when i am adding that it is not adding giving me the error that your bank account can not be added try again later, i contacted paypal 1 representative told me to again verify my id and my bank statement, my question is that my shall provide my id, i worked on paypal 1 year and all things were verified, now when there is no relation b/w me and Paypal why should i prove myself again, it 's against the laws in my view, since there is no need for my id now as there is no relation b/w me and paypal, further i do n't have a XXXX bank account as it is common sense that a person living in XXXX how should have a XXXX bank account, so i asked a friend but he told me that XXXX bank charger 15 to 20 % tax, i am a fool that i earned my money through hard work, shipped all my items paid all the taxes here, paying penalties on my loans as paypal has not given my money since 1 year, paypal is just keeping my money and earning interest. I want a fair and best resolution that paypal should now give my money or else i will drag them to international court of justice, i am in too much XXXX due to my loans, further noone is giving my his paypal for money transfer as everyone is scared due to the policies, neither do i have too much known people who have paypal. I now do n't know any way paypal should give my extra XXXX $ now for taxes if they want me to withdraw in US account, other option is that they can send me money order to XXXX, i dont want any other reply from paypal other than XXXX $ or my money order, that 's it thats my full and final resolution or else i will drag paypal to the courts now | ||||||
| 03/28/2022 | Yes |
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| My name is XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX No. XXXX. I issued an invoice for legal services to XXXX XXXX, a client, for {$13000.00}. I do not regularly use Paypal since I work primarily as in-house counsel. The client paid the {$13000.00} on XX/XX/2022. Paypal then refused to release the money. First it requested documentation of various sorts, which I provided XX/XX/2022, the same day. I provided my driver 's license, attorney identification card, a copy of the docket sheet that showed some of the court work I did on the case. Paypal wanted proof that I purchase supplies ( I provided the docket sheet- I'm a lawyer I don't purchase supplies to sell ). Paypal charged {$470.00} for the transfer then said it needed time to investigate and did not release the funds. I then refunded the client in total on XX/XX/2022. Paypal withheld the {$470.00} and stated that the rest of the client 's funds had been returned. I checked with the client that day. He said he had not received the funds. I checked again today, XX/XX/2022 - 5 days after I ordered a complete refund. The client said that his Paypal account stated that the funds had been returned but he had zero dollars credit in his Paypal account and zero credit to his bank account ( from which he had withdrawn the {$13000.00}. ) My Paypal account shows that Paypal refunded {$13000.00}. You can confirm with my client at XXXX. I can also provide the invoice and ledger. Paypal stole {$13000.00} from me and my client. That's a lot of money. I tried to file a complaint online against Paypal with Paypal, but the company website only allows me to file a complaint or open a dispute against a customer or another vendor. Paypal will not be accountable for its actions. I went online and discovered that other people are having horrendous problems with Paypal acting fraudulently. Paypal must return the entire {$13000.00} to my client, XXXX XXXX. Under no circumstances should Paypal be permitted to keep a {$470.00} fee for doing nothing except refusing to give me my money. Paypal is basically an organized fraud outfit and needs to be shut down. We need your help. Please intervene. | ||||||
| 05/17/2021 | Yes |
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| 05/14/2021_Alerted by email that a transaction was to occur from vendor : XXXX YOUR SUBSCRIPTION RENEWAL WAS SUCCESSFUL Dear XXXX XXXX XXXX Were pleased to tell you that your XXXX XXXX XXXX subscription has been automatically renewed. Your award-winning XXXX XXXX XXXX has been extended for another subscription term and no further action is required. Thank you once again for choosing XXXX XXXX. The following is a summary of your order. Please keep this email as your proof of purchase. Your credit or debit card ending in has been charged XXXX XXXX. Please note, the charge will show XXXX XXXX as the merchant for this purchase. XXXX_I immediately replied to the email notification that this was not " authorized by me and they should cancel ASAP!!. XXXX I submitted a fraud complaint and notification of an unauthorized transaction to XXXX XXXX XXXX PayPal ( transaction was submitted via PayPal XXXX of the same. Directions from both XXXX and PayPal was to contact XXXX XXXX for any compliant or issues. Note : from XX/XX/2021 through today I have attempted " unsuccessfully via PayPal, XXXX, and XXXX XXXX any success on my request to stop transaction, refund or human contact. The process by all parties takes you in a " circular loop making it extremely difficult to submit a request and/or claim ''. I do believe this is " intentional for the average consumer ''. I am an avid user of computers but this is difficult and stressful going between parties and not one taking responsibility. Please note : I have an ongoing relationship with PayPal whereby I will create a subscription for continued payments. I did not " authorize or was I notified by PayPal requesting approval of this such transaction. XXXX is a security software that I do used, and have purchased over the last 5 years via 'hard cd purchase from XXXX XXXX ''. XX/XX/2021 : Transaction has hit my bank account today : XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX Transaction Alert : XXXX XXXX XXXX XX/XX/2021 ( {$100.00} ) ACH Withdrawal, XX/XX/2021 ( {$61.00} ) ACH Withdrawal I will be placing a " fraud alert '' with my bank XXXX XXXX XXXX XXXX of this same issue today. | ||||||
| 05/19/2023 | Yes |
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| The charge is regarding a handbag I had ordered from the official website of XXXX XXXX and it was supposed to be delivered to my residence in XXXX, California by the XXXX of XXXX, XXXX through XXXX tracking number XXXX. Even after the passage of the estimated date of delivery, I waited for quite a few days considering that there might be some sort of delay on the part of XXXX which made timely delivery difficult but unfortunately that yielded no result since I still did not receive my package even after a week. I contacted XXXX to inquire about the status of the shipment. Upon tracking the whereabouts of the package, the XXXX agent informed that since there was no one present at my house when XXXX came to deliver the shipment, thus it was returned to the sender through tracking number XXXX. XXXX also sent me a Proof of Delivery document which confirmed that the package was returned to the store. The agent asked me to get in touch with XXXX XXXX and get the issue sorted.I took their advice and contacted the store who looked into the matter and asked me to wait for 7-14 business days for a resolution as they would be conducting an investigation with XXXX. After the passage of the aforementioned time-frame, I didnt hear anything from the store. In order to address the situation, I contacted them again and re-explained the situation. Once again, they asked me to wait for another 7-14 business days for a resolution. For a second time, I didnt receive any communication from the store regarding the issue. Hence, I called for a third-time a few days ago and I was asked to be patient as they do not have an update. Till now, I am yet to receive a response from the store. It has been about 3 months since I placed this order and I doubt that the issue will ever be addressed by the store. To me it seems like the store is deliberately avoiding the concern. I have attached the following documents in this claim for your reference. Paypal decided on the case stating that the seller provided proof of delivery, however, the proof of delivery that is on the XXXX clearly shows the item was delivered and signed for by someone that was not me. | ||||||
| 04/17/2023 | Yes |
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| I placed an order with XXXX. I authorized them to charge my PayPal {$3.00}. The remaining amount of the order was authorized to be paid with SNAP benefits ( everything qualified for EBT except one item that was $ XXXX which totaled to {$3.00} ). I entered my EBT pin on the website as usual and immediately got confirmation of the order, as it always does. Later, I learned that XXXX charged the entire order ( {$210.00} ) to my PayPal account which only had {$10.00} in it so they tried to charge my bank account for {$200.00}. My bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca ) has denied the charge, but charged me an overdraft fee of {$31.00}. Paypal is now asking for me to pay them {$200.00} and is sitting with a negative balance. I never authorized the amount charged to begin with and I definitely didn't authorize PayPal to carry a balance like a credit card. They should have denied it due to lack of funds to begin with. There wasn't enough money in any account of mine to cover a {$210.00} charge. Hence why I was using my SNAP benefits for food. I contacted XXXX multiple times. 2 reps said they would refund my money as it was a glitch in their system that made the mistake and charged the wrong payment method, but they never did and i never received the confirmation email about it as they said i would. I filed a claim with PayPal but they denied my claim stating it wasn't a billing issue and are now demanding I pay them the remaining balance {$200.00}. I never authorized that amount, I never authorized them to carry a balance, i have been charged a fee from my bank that is not my fault. I don't know where else to turn. I'm low income and budgeting isn't easy, but I manage. I can't manage or afford to pay for something I didn't authorize to begin with. I don't understand why it wasn't just denied since the funds weren't there. I can't understand why PayPal won't issue a refund because the charge was never authorized. XXXX has admitted the mistake was due to a glitch in there system but won't refund the amount taken. They said to contact PayPal. I contacted PayPal and they said to contact XXXX. I don't know where else to turn. | ||||||
| 10/03/2022 | Yes |
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| PayPal responded to my previous complaint and there response does not address nor resolve the claims and contradictions made in there previous responses. As I was having difficulty adding a bank to my now limited PayPal account, An individual simply named " XXXX '' from the executive office department instructed me to send him a copy of my personal banking details so he could manually put the bank on file due to there multiple adjustments being ineffective. PayPal 's executive office received a copy of my personal banking information, only to review my bank account and deem it not currently supported by PayPal at the moment. It's sounds strange to me because I have friends and family who states there XXXXXXXX XXXX account and PayPal account are linked just fine. With that being said, in PayPal 's response they fail to acknowledge that I have attempted to add multiple bank accounts not just one from XXXXXXXX XXXX I'm curious to know if all the banks I tried are non supported as they are all being denied. If so, what is a PayPal supported bank account, and will I be assisted with finding one? Am I supposed to go about opening random bank accounts in hopes that one is PayPal eligible? Lastly in a response that PayPal gave me, they advised me to send my questions and concerns to the executive office via email XXXX. The one problem with that is I don't get a response to my questions or concerns, further more I don't even get a response when I respond to the conversation opened in the message center. I only get a response when I open a CFPB complaint. Why is that? Sadly I'm in the same situation I was in prior to opening these complaints. I currently can not add my bank account on file though they've made multiple adjustments to allow me to do so, I've given my personal details to XXXX who assured he would have it manually added for me to no avail, They claim my account is fine and the bank attempted was just a bad bank so I've tried alternatives with no success, Lastly I go to contact the department I was directed to contact via the method they provided ( Including XXXX ) only to receive no response. Is this proper and ethical? | ||||||
| 04/20/2023 | Yes |
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| My PayPal account is under email XXXX I opened a PayPal account on a roll XXXX. And then was asked to submit documents, which were my bank statement, proof of address and ID or passport submitted. Then I received a message saying that they had to send the review to the back office team for further review then on XXXX XXXX they told me my account was permanently limited and I was no longer to use PayPal and I could not use my balance for 180 days because they needed to put it on hold in case of charge back or anything like that on the account. The only issue is I dont use that account to sell anything. Im not a seller Im not a business account. I have literally two transactions on there one being a purchase on the Internet and the second is {$100.00} sent to me friends and family from somebody I know. Then they wont tell me the reason because they cant even see the reason why I am not allowed to use PayPal and how is it OK for them to just decide that theyre going to keep my money for 180 days I dont know about that but I need all the money I can get and thats my money and I dont know how they can keep it for that long as a long time if you ask me and so theyre pretty a big me if you ask me. I could see them holding it in fear of a chargeback or anything like that if I was using it as a business account or as a seller account but that is my own personal PayPal like I said Ive done two transactions total on that PayPal its not gon na get charged back I promise you that because one its my friend and two its pretty impossible with PayPal to charge back a transaction set with friends and family, unless they issue with their bank but like I said its my friend hes not gon na do that and its not their money, so why can they hold it and just sit there and collect interest on it because thats what I heard they do and why they hold money all the time and do whatever they think they want Anyways, I need to withdraw my money now its my money I need it I dont care what they say even really they need to give me my money or I will go further with legal action even if its only XXXX bucks its just not right to do to somebody for no reason | ||||||
| 10/13/2022 | Yes |
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| PayPal I have XXXX accounts with PayPal, a personal account that has never been used for selling items and a business account that is used to both sell and buy items. On XXXX, PayPal; froze my personal account. 1. I was not notified in any manner, by email, letter, or online message. 2. When I tried to access my account, I received a variety of messages online, on XXXX - in essence, I could not pay bills, buy items, close or open funding sources ( my " Wallet '' ) nor access the {$1000.00} in XXXX ( XXXX ) that I had purchased from PayPal. 3. After calling PayPal, Chat online via their website, and using the PayPal messaging system on my account, I was able to find out : a. My account was frozen because I had somehow violated the AUP, Terms, and Conditions ( TOC ). b. But unless I subpoenaed PayPal no one would tell me what I had done wrong. c. My account was permanently frozen, I would get an email in 180 days or less that would let me know how I could retrieve my XXXX, delete my funding sources, and close the account. 4. I called and messaged PayPal more than XXXX times in the interim and have just completed XXXX contact attempts since the XXXX period expired- with no change from PayPal and typically just getting form/canned responses. 5. After my last call I received an email from PayPal telling me how to subpoena and/or file suit against them. 6. And in the interim my XXXX has lost XXXX XXXX of its value- while I could not trade it. And I have had at least XXXX @ fraud attempts on this account via scammers. As a consequence of PayPal 's actions and inactions, I have been exposed to financial fraud, lost ~ {$400.00} ( on paper of value in my account ), had to find other means to pay my bills, had to deal with vendors who were not paid, chased down credits and delete auto payments to XXXX charities ( handle by PayPal in a different manner ). I would estimate my direct costs at {$500.00} and my indirect costs at XXXX hours with unknown damage to my reputation. Imagine how bizarre this is to not know why, not be able to mediate through arbitration, while at the same time I have a working business account! | ||||||
| 07/16/2019 | Yes |
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| Paypal has demonstrated a pattern of transacting from my account without authorization. The latest problem involves a checking account with XXXX XXXX XXXX XXXX that is currently the subject of a complaint with the CFPB. Despite the fact that I removed that checking account as a payment source from my XXXX account, and added a different payment method, PayPal decided to transact from the checking account. Yesterday, I filed a dispute with them to stop the transaction and use a different payment method. That was before they sent the money from my XXXX XXXX Account. They refused, saying the " transaction was not unauthorized ''. Today, I called and spoke with two managers, and both of them refused to stop the transaction. Although I have told them that I did not and do not authorize the transaction, they insist that they know my intention better than I do, and they are substituting their intention and their will to conduct monetary transactions from accounts that belong to me. They claim that I have a billing agreement with XXXX, so therefore, they can transact from that account without further input from me. I told them that I updated my agreement with XXXX to change the payment source. Furthermore, their point is moot for the reason that I have stated my intention clearly that this is not a transaction I approve. This is not the first time. On XX/XX/2019, PayPal sent {$15.00} to XXXX from my PayPal account, even though I had purchased nothing from XXXX. This was actually the second instance of them sending money from my account to XXXX without authorization. The first time, I filed a dispute with PayPal and they refunded my money after " investigating ''. Nevertheless, they disregarded what they learned during their " investigation '' - that I have purchased nothing from XXXX for {$15.00}. They " denied '' the dispute that I filed, and only refunded my money when I called, and threatened to escalate the matter if they don't stop taking money from my account without authorization. Given the nature of my dispute with XXXX XXXX XXXX XXXX, it is not unreasonable to suspect that PayPal 's actions are not innocent mistakes. | ||||||
| 11/10/2015 | Yes |
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Web | Older American |
| HelloMy name is XXXX XXXX, i live in XXXX and a few months ago I opened a paypal account so I can receive funds send by a friend in XXXX. I sent them every document they need and they activated my account. After a few transactions, each XXXX under XXXX $ I got an email saying I reached the transfer limit of {$2500.00}. They wanted more documents, which I provided again and they reactivated it again. After a few more transfers and about a month later they suspended my account and wanted me to prove my business and the items I sell, what website do I operate and more absurd questions like that. I have no company, no items to sell and I just use the account to receive money from an US citizen. I have never used the account for something else. I respectfully explained that to them but they can not understand, they keep sending me automated messages about their TOS and about me not cooperating and not telling them the truth. This is an ABSURD situation, I have no idea why they keep harassing me like this! I only made about XXXX transfers, a grand total of {$5000.00} in 2 months. They blocked my funds and the account and they now refuse to give my money, telling me I have to wait 6 months to get it!! This is outrageous! I am living a horrible dream, its impossible to talk to those people. They abuse their power and impose abusive methods like holding my funds. Please help me solve this issue as I have no one on my side! This is what i get when i login to my account! " XXXX XXXX, 2015 : When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. Please remove any references to PayPal from your website. You 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn. ( Your case ID for this reason is XXXX. ) XXXX XXXX, 2015 : We need some more information about some of your recent sales. ( Your case ID for this reason is XXXX. ) '' I do n't know what they are talking about. Thank you | ||||||
| 10/31/2022 | Yes |
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Web | Servicemember |
| I've been a Paypal user for about 20 years for my all natural health and fitness store. In XXXX of 2022 Paypal froze my account. I immediately called them and was told that it was permanently frozen due to " Illegal narcotics '' sales, I was shocked to hear this because I have never sold anything illegal in my life! I asked to speak to someone immediately to rectify Paypal 's error to which I was told they would not give me anyone else to talk to ... their decision was final! I asked to see proof of the " Illegal '' sales and they could not show me their so-called " evidence ''. After much arguing and failed requests to at least be able to " face these false accusations '' I resigned myself to accepting the closure because the Paypal representative told me that I would be able to receive my {$15000.00} balance after a 180 day waiting period, and I was given the date of XX/XX/2022 as the date to when my funds would be transferred to my bank account. I waited the 6 months, and then 2 days prior to this XX/XX/XXXX date I looked into my account to find that on XX/XX/XXXX, Paypal payed my entire balance of {$15000.00} to themsleves. I did not authorize any payment, and I did not understand what was going on, so I called Paypal. They told me it was absorbed as " damages '' for " breach of the XXXX ''. I argued again that I did not breach their TOS and again asked them to produce evidence of these " illegal sales '' and " damages '' they caused to Paypal... again, they failed to provide me with any proof whatsoever! I asked to speak to a supervisor. I wound up talking someone calling themselves " XXXX '' who apparently was just pretending to be a supervisor. She said she would start a " resolution '' with Paypal concerning my case and she would get to my complaint resolution with Paypal concerning my case, and she would get back to me next day at XXXX XXXX she never did. I called in again. I was told " no such person working there ''. This is underhanded thievery! I want Paypal to give me my money ( {$15000.00} ) They are using their carefully crafted legal jargon an XXXX to steal from people! Desired Settlement : Refund | ||||||
| 12/19/2017 | Yes |
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| I 've had a PayPal account for years. I 've got a linked credit card and linked bank account. PayPal is refusing to allow me to transfer money stored on PayPal to my bank as of Sunday, XX/XX/XXXX. The reason given was that I have a " withdrawal limit '' based on U.S. banking laws and need to supply two out of three pieces of information. I have supplied all of the required information and PayPal is still refusing to release my money. The pieces of information listed were : 1. supply a linked bank account ; 2. supply a linked credit or debit card ; and 3. provide your social security number. I had already provided the requisite two out of three pieces of information, but added my social security number anyway on Sunday, XX/XX/XXXX PayPal still refused to release the funds, citing a withdrawal limit and directing me to the same three pieces of information. When I tried to add my social again, this time it told me that I had done all that I needed to do. So, I waited. The next day, which was Monday, XX/XX/XXXX, at approximately XXXX a.m. XXXX, PayPay still would n't release the funds. I called them, but their hold times were long and they do not provide a message stating an approximate time that a caller will have to wait, so I hung up and sent an email instead. In my email, I noted that their website promised a response within 24 hours, so I explained the problem and also explained that I would file a complaint to the CFPB if they did not contact me or resolve the problem in 24 hours. I received an automated reply with information available in their " frequently asked questions '' section, which did not help me and which I had already read. I responded asking someone to please read my original email. I received a reply from a person, XXXX, that contained the exact same information from their FAQ that had previously been sent to me. I replied that I 'd already done this, and asking someone to please just read my email, but by this point it had been 24 hours and copied and pasted info from a FAQ is not something that I count as contacting me about the problem, as I 'd requested, so I 'm filing this complaint. | ||||||
| 09/17/2021 | Yes |
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| I have a problem between PayPal and XXXX XXXX, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through Paypal with my XXXX XXXX credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked PAYPAL AND XXXX XXXX a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then XXXX XXXX sent me the money back and paypal as well ( they both gave me back {$500.00} ), when XXXX XXXX saw that I had received twice the refund money for my disputes for the same transaction, XXXX THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the XXXX XXXX statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, PAYPAL sent {$500.00} twice to the XXXX XXXX ( that is, to my credit card account ), and now PAYPAL is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE XXXX XXXX TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT XXXX XXXX CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO PAYPAL???? THEY SAID ME THAT THEY SENT IT TO PAYPAL???? BUT PAYPAL is saying that THEY DON'T HAVE THE MONEY THAT XXXX XXXX SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO PAYPAL IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that XXXX XXXX HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND XXXX XXXX TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE XXXX TOOK THE MONEY TO SEND IT TO PAYPAL AND NOW PAYPAL IS CHARGING ME THE MONEY. SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS. | ||||||
| 09/19/2023 | Yes |
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| On XX/XX/XXXX, Paypal suddenly taken entire funds from our account. Totalling US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previously we were selling digital items on paypal. Until on XX/XX/XXXX they stated we " can no longger do business on their platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), or in other words being permanently limited, in which they also stated remaining balance will be hold " for the moment '' and will be available for withdrawal " after 180 days '' ( XXXX XXXX ) Waited quite some time, we finally received notification email from them on XX/XX/XXXX saying the funds status are now " eligible for withdrawal '' ( XXXX XXXX ), in which we tried to withdraw but always failed. We keep getting " there's a problem with your account '' error Knowing that we have been " eligible '' but still unable to withdraw, we tried contacting paypal through their support chat in which they replied will escalate the situation ( if we remember correctly- as the message sent and received there get cleared soon enough ), yet after more waiting and several times trying, we still unable to access the funds Then, on XX/XX/XXXX, all of sudden we got ANOTHER EXACT SAME email saying that we " can no longer do business on paypal '' ( XXXX XXXX ), which is weird as we've received got this same message before. How could account that have been closed, got closed again? No way we have to wait another 180 days. Sending to support ticket, few days later on XX/XX/XXXX got email saying the funds are now " eligible for withdrawal '' ( XXXX XXXX ), yet again and again, still unable to perform the actual withdrawal Our peak disappointment happen during that XX/XX/XXXX when they decided to just flush away our funds like that. We've tried to do the right thing by refunded all those who disputed the transaction, and yet paypal still took our {$25000.00} under nonsense " XXXX XXXX '', which we think unfair. If, we indeed did damage to paypal other than what has been refunded, the fair resolution would be taking that equal sums ( then showed us refunded to which customers so we can address to them personally ), and not ENTIRE ONE! | ||||||
| 07/12/2021 | Yes |
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| I have had an ongoing issue with logging into Venmo, even though the login information has been correct. Despite resetting my password many times, this continued to happen. On XX/XX/2021, I contacted Venmo customer service through their website to advise them of the problem and request help ( filename : Can't log in - Venmo.htm ). They advised me to reset my password, which I did, to no avail. On XX/XX/2021, I received an email from Venmo stating that my account was frozen due to " recent activity that triggered some security alerts. '' No further information was provided ( filename : Your Venmo account has been temporarily restricted.pdf ). The Venmo app stated that my account was frozen due to violations of their Acceptable Use Policy, which I read and understand deals with crime and fraud, so I took this to mean that Venmo was accusing either me, or someone who had accessed my account, of a crime. I contacted Venmo but they would not reveal what activity had taken place on my account, who may have initiated this activity, or whether my account was safe. After not being able to resolve this issue, I notified Venmo that I would be filing a complaint, although I mistaken thought that the correct agency to file with was the FTC XXXX filename : Your recent Venmo request.pdf ). At this point, Venmo began to interact with me through email more consistently XXXX XX/XX/2021 ). I repeatedly requested they disclose the activity perpetrated on my account and whether my information was safe. During this exchange, I became frustrated, and then angry, which led me to use profanity and sarcasm in my emails. I understand that this may have contributed to Venmo 's refusal to assist me ; however, I was very clear in what I was requesting from them. The last email I received from Venmo indicated that they would no longer respond to my requests for assistance ( filename : [ Venmo ] Recent Activity on Your Account - Venmo.htm ). As of today XXXX XX/XX/2021 XXXX, Venmo has still not disclosed whether my account was hacked, if I am currently at risk, what activity occurred, or any useful information to put my mind at ease. | ||||||
| 06/12/2017 | Yes |
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| ( 1. ) OnXX/XX/XXXX, I received an email notification from Paypal at XXXX that I had received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using my XXXX XXXX debit card ending in XXXX. The amount was XXXX dollars. The time stamp and receipt # are : XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 2. ) On XX/XX/XXXX, I received a second email notification from Paypal at the same email address that I received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using the same XXXX XXXX card. The amount was another XXXX dollars. XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 3. ) The XXXX XXXX checking acct. associated with that debit card was previously closed. ( 4. ) I called Paypal to notify them that the debit card where I was supposed to receive my refund was closed. I spoke with XXXX. I asked her ID # but she said she " would n't be able to give that information out, '' but she was located in Iowa. She said I needed to contact XXXX XXXX to see if the funds will be returned to me. XXXX insisted that XXXX XXXX would n't send the funds back to Paypal, and said that by law, there was a six month period from the acct. closure date where they would have to refund those funds to me by reopening the acct. ( 5. ) Spoke with XXXX XXXX ( XXXX at XXXX XXXX branch in XXXX, GA ; XXXX in phone customer service ). XXXX said funds would be sent back to Paypal. XXXX confirmed funds were sent back to Paypal. ( 6. ) To date, have not received funds and have not received communication from Paypal about those two refunds being rejected by XXXX XXXX. ( 7. ) To date, I believe I have XXXX dollars missing as a result of this error by Paypal and/or XXXX XXXX. ( 8. ) I called Paypal corporate office on today, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, and asked for Executive Customer Relations. XXXX, the receptionist, said her only option was to send me back to regular customer service, even though I had told her I had already received misinformation from customer service and I was trying to avoid filing a Consumer Financial Protection Bureau complaint. | ||||||
| 05/19/2023 | Yes |
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| My desktop was hacked and someone gained access to numerous accounts of mine, including Paypal, XXXX, XXXX, XXXX, Venmo, and several others in the hacking event that lasted about 3-5 days. The hacker started with XXXX on Thursday the XXXX XXXX of 2023. I didn't notice anything wrong until Saturday when they had transfered roughly {$40.00} in XXXX that my pc 's had mined over 4 months and they completely took over the account by adding a XXXX authenticator app. Venmo caught and suspended the account when they attempted to buy over {$150.00} in XXXX on that Sunday XXXX. I work XXXX in very long hours and don't see things as I'm either driving or sleeping on those days. XXXX caught the hacker and suspended my account as well. Fast forward to Sunday night about XXXX I was on my way to pickup a client, had my phone notifications on Do not disturb. So when Paypal sent me a message asking if I was doing a {$500.00} charge at XXXX ( monday ) and XXXX ( Monday ) saying " [ Reply Needed ] '' I replied with a '2 ' for 'No '. Now the {$500.00} went to a company called XXXX XXXX, which I later found out makes mobile games. Paypal has denied not only my initial dispute over the matter because the transaction came from my IP address, even though I showed evidence ( virus scan results with date/time ) that I was infected by the XXXX ( Remote access XXXX which has reverse proxy features that the virus controller can use their own pc and route internet traffic through my PC ). I have since got word from XXXX. Not only are they refusing to reverse my payment back to me but now they're trying to attach the hackers XXXX account that has over {$4000.00} in chargebacks from reported cards they've used that have been reported. . Here is the police report # that was started with the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and I will be adding the preceding part about the company trying to make me take liability over the hackers account. My paypal email address that the payment was sent from is XXXX The Paypal transaction ID is XXXX I will also be contacting the Computer crime division of the XXXX XXXXXXXX over the issue this morning. | ||||||
| 04/18/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo regarding the denial of our claim for the incomplete and substandard work done by XXXX XXXX XXXX ( XXXX XXXX ) on our property. We paid XXXX XXXX XXXX ( XXXX XXXX ) a total of {$15000.00} for electrical, window framing, painting, and plumbing work. Unfortunately, the work was incomplete, substandard, and in some cases, dangerous. Despite repeated attempts to communicate with XXXX XXXX XXXX ( XXXX XXXX ), they have not responded to our calls, emails, or texts. We also discovered that the electrical work done by XXXX XXXX XXXX ( XXXX XXXX ) is not up to code and poses a significant safety risk. We have contacted another licensed professional who assessed the electrical work and confirmed that none of the work is up to code. Additionally, we can not find any information about XXXX XXXX XXXX ( XXXX XXXX ) 's license number that they stated on the contracts we have signed. We have contacted the Nevada Contractor License Board to confirm and find their information, but they can not find it either. XXXX XXXX XXXX ( XXXX XXXX ) also failed to complete the work within the agreed-upon time frame, which constitutes a breach of contract. We filed a dispute with Venmo, but our claim was denied unfairly without a proper review of the facts. We have attached picture evidence, text message proof, and signed contracts detailing the following : work not completed per signed contracts, dangerous framing work that needs to be entirely redone to bring up to code, dangerous electrical work that needs to be entirely redone to bring up to code, and the fact that XXXX XXXX XXXX ( XXXX XXXX ) lied about being a licensed XXXX. We are requesting that the CFPB investigate XXXX XXXX XXXX ( XXXX XXXX ) 's business practices and take appropriate action to protect consumers from their fraudulent behavior. We also request that you assist us in resolving this dispute with Venmo and obtaining a refund for the work that was not completed or done in a substandard manner. Thank you for your attention to this matter. Sincerely, XXXX XXXXXXXX XXXX | ||||||
| 05/03/2022 | Yes |
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Web | Older American |
| On XXXX XXXX I sent XXXX to the XXXX XXXX via PAYPAL for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received the XXXX 's I got the XXXX XXXX framed and once I had saved the money I was going to get the XXXX XXXX framed. Due to a XXXX XXXX I was forced to sell these XXXX 's for family expenses. When I went to sell the XXXX XXXX the buyer said the XXXX was a fraudulent a FEDERAL CRIME. We then went to the web site of the company that supplied CERTIFICATE OF AUTHENTICITY with the XXXX. You can only imagine our surprise when the website was a XXXX XXXX XXXX. I immediately contacted the seller he offered to replace the XXXX with one from his own company, something I compared to having the fox watch the hen house. He refused to return my money. I then filed a complaint with PayPal. That was the beginning of a nightmare of lies, confusion, and twisting my words by PayPal. They continually changed the amount I requested and the reason 's I wanted my money back.They did a horrible job of protecting my interests. They first decided in my favor but they demanded the wrong amount, I was only entitled to {$550.00} they kept asking for {$1500.00}. No matter how times I told them that was the wrong amount. I then got into an argument with an unstable employee and she informed that she was going to change my favorable decision into a denial. I finally received a provisional credit for {$950.00}. Which was reversed on the grounds that I bought the jersey 's to sell them which was never the case. The point is that PAYPAL is aware that I was sold fraudulent sports memorabilia jersey which is a FEDERAL CRIME. And is now demanding that I return the {$950.00}. I have no intention of doing this cause I DID NOT BREAK THE LAW, XXXX XXXX XXXXXXXX DID WITH PAYPAL 'S KNOWLEDGE AND BLESSING. I respectfully ask that the CFPB intercede on my behalf and correct this horrific miscarriage of justice. And punish PAYPAL for being duplicitous in this CRIMINAL BEHAVIOR. I will be more then happy to supply a plethora of E-Mails between myself and PAYPAL to buttress my complaint upon request of the CFPB. | ||||||
| 06/15/2017 | Yes |
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| Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them. For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this. | ||||||
| 09/16/2022 | Yes |
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| I sold and received payment for a Set of Tables on XX/XX/XXXX for {$270.00} & received payment for them via Venmo. On XX/XX/XXXX the Lady that purchased them filed a Fraudulent Dispute with her Bank and Venmo placed a Hold/Freeze on my Venmo Account. I immediately disputed the Fraudulent Claim with Venmo that was Filed by the Lady that paid & picked up the Tables on XX/XX/XXXX and also sent all Messages to Venmo showing proof that SHE, herself did in FACT send the payment for {$270.00} to purchase the Table 's & she was the one that initially asked if she could send payment for them via Venmo. I even reached out to the Lady that Filed this Fraudulent Dispute Claim and asked her why she Filed this Fraudulent Dispute Claim and also sent her our Conversation of our Messages validating that she did in FACT send the Money of {$270.00} for the Tables and asked her what there was to dispute about it? She said she that she made a " mistake '' and that she would reach out to her Bank and Cancel the Dispute Claim that she Filed and she was Sorry. Since then, the Lady that paid {$270.00} for the Tables and reached out to her Bank to Cancel the Filed Dispute Claim that she made in " error '', as of XX/XX/XXXX she sent me a Letter from her Bank that she Filed this Dispute with showing and stating that she was NO LONGER Disputing this Charge for {$270.00}. I immediately Emailed this to Venmo & continuously get the same automated response. Can't speak with anybody at Venmo, can't get the Fraudulent Freeze lifted off of my Venmo Account & receive my RIGHTFULLY OWED MONEY placed back into my Account. Is this a joke? How is this Legal? I HAVE PROVIDED ALL DOCUMENTATION SHOWING PROOF SHE INTENTIONALLY SENT THE PYMT OF {$270.00} FOR THE TABLE 'S, THE LADY ADMITTED THAT SHE KNOWINGLY DID SEND THE {$270.00} FOR THE TABLE 'S IN THE PROOF THAT I SENT TO VENMO, AND NOW WE ARE ALMOST XXXX MO 'S INTO THIS AND THIS LADY HAS THE TABLES & POTENTIALLY A {$270.00} REFUND??? AND MY MONEY IS BEING STOLEN FROM ME? WITH NO RETURN OF THE TABLE 'S AT THIS POINT. PLEASE HELP REFUND MY RIGHTFULLY & LEGALLY OWED MONEY BACK TO ME IN MY VENMO ACCOUNT. | ||||||
| 03/14/2022 | Yes |
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| I have a business where we XXXX XXXX classes, approved by the Texas Department of XXXX XXXX XXXX, to rural XXXX services in the XXXX Texas area. We created a business PayPal account so we could try to keep up with the times and accept payments for tuition for these classes electronically since most people dont like using cash for this. I entered all the info required for 1099 so we could report the income to the IRS. The way out classes work is we accept tuition on the first night of class. So while we dont constantly receive money, we receive about XXXX once or twice a year from this. I set everything up with the account and everything was fine with no issues at all. Class then started and on XX/XX/XXXX I sent out three invoices for tuition which were then paid. On XX/XX/XXXX, we got an email that I need to verify our name, drivers license, and that we needed manufacturer receipts showing what products we were reselling and until that was submitted, our account was limited. I immediately contacted PayPal business by phone and informed them we dont sell products, but rather a service, as stated when we originally created the account and submitted everything else they asked for the same day. I was told it would take 48 hours for a decision but it the limitation would be removed. On XX/XX/XXXX, we got an email where it states we have been permanently banned from Paypal because of potential risk. I again contacted PayPal and tried to explain and offered to send them the paper from the Texas Department of XXXX XXXX XXXX. They stated they were going to file an appeal to have the decision to permanently ban out account reversed. We spoke to a supervisor who also assured us of this. We then were told to wait and were told they would place a hold on the XXXX in our account and we could not remove or touch it for 180 days and our account would still remain permanently banned. They were supposed to email us the final decision of the appeal but they did not. I am fine with them closing the account and will find another place to have my business account but I would like the money they are holding to be released back to me. | ||||||
| 11/16/2017 | Yes |
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| Money was sent to trustworthy individual via PayPal from funds in my bank account for a collectible pocket knife ( aka legal acceptable item according to PayPal and USG ) funds were withdrawn by PayPal immediately however received this message : Transaction Details Error Message Regulations require us to take a closer look at some transactions. Your payment is temporarily pending while we review it. Payment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, XXXX Payment For XXXX XXXX XXXX Pending ... - {$500.00} USD Related Transaction Date Type Status Details Amount XXXX XXXX, XXXX Add Funds from a Bank Account CompletedYour transfer from your bank account to your PayPal account is complete.Your transfer from your bank account to your PayPal account is complete. Details {$500.00} USD Business Name : XXXX XXXX XXXX XXXX The recipient of this payment is Verified ) Email : XXXXXXXXXXXX Payment sent to : XXXXXXXXXXXX Payment amount : ( in currency funded ) - {$500.00} USD Your fees : {$0.00} USD Your total charge : - {$500.00} USD Payment amount : - {$500.00} USD XXXX XXXX XXXX 's fees : {$0.00} USD XXXX XXXX XXXX receives : {$500.00} USD Note : The fees for this transaction are estimated, the actual amounts may be different after your recipient accepts the payment Date : XXXX XXXX, XXXX Time : XXXX PST Status : Pending Funds will be available to your recipient on or before : Our regulatory review may affect the date your money becomes available. Subject : You have sent {$500.00} USD to XXXX XXXX XXXX with PayPal Note : XXXX XXXX Funding Type : Instant Transfer Funding Source : {$500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX ( Confirmed ) XXXX Back Up Funding Source : XXXX Credit Card XXXX The option to cancel this payment is no longer available. If you are n't satisfied with the service that PayPal 's provided you, you can contact these agencies : Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) XXXX PayPal is withholding funds from my friend XXXX XXXX for no reason and has no means of being contacted. This is unacceptable. Thanks for your help. | ||||||
| 08/26/2017 | Yes |
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Web | Servicemember |
| My customer filed a claim with his credit card for item not delivered a few hours before the item arrived then promptly retracted it when the product showed up later that day. The buyer and his credit card company have been open and honest in their attempts to resolve the situation and complete payment. They require a phone call from paypal that paypal still has n't done. Paypal opened a case, levied fees against my seller account, and put the money from the transaction on hold " while they investigated ''. Later, I started getting collections emails from paypal regarding this case. They threatened to send the entire amount to collections against me, the seller, if I did not provide money for them to hold " while they investigated ''. Their agents on the phone reiterated that they could not solve the problem in any other way than for me to pay to cover the full amount on hold. I have obtained copies of the buyer 's credit card statements showing where he was initially charged for the item ( {$6600.00} ), then was refunded, then charged again on XX/XX/XXXX. I have spoken with XXXX XXXX on the phone and they confirm that they have both charged my customer and rendered payment to paypal over a month ago on XX/XX/XXXX. It has been 45 days since paypal was paid by XXXX XXXX and two weeks since I put {$6600.00} on my credit card to avoid having a bill in collections despite the fact that the case was still, somehow, undecided, despite the buyer agreeing that he received his items. As near as I can tell, paypal is holding both my {$6600.00} and my customer 's {$6600.00}, and has been holding it for weeks while failing to answer my questions on the phone or give any real indications that the case is moving anywhere. They have threatened me with collections and reporting this to credit bureaus to pressure me into paying a bill that they have already been paid for. This callous double billing and holding of funds is consistent with the worst practices of reprehensible companies. I 've attached copies of the customer 's credit card statement to prove that he has paid and that his CC company has rendered payment to paypal. | ||||||
| 12/17/2021 | Yes |
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| I was looking to purchase a second hand XXXX for my girlfriends birthday, and came across many on XXXX XXXX. There were some individuals on there that raised my suspicion of potential fraud, however found a reasonable offer by XXXX XXXX that seemed trustworthy and had already sold an XXXX not long ago. Initially, I was planning on picking up the XXXX is person, but forgot to on saturday which opened the door to another customer. I spoke to XXXX via XXXX on Sunday XXXX and agreed to give a deposit of XXXX to hold the XXXX for me, so that I can pick it up the next day. I was given a rather trustworthy address and his mobile number - XXXX XXXX XXXX, XXXX XXXX, XXXX. I then send the original XXXX deposit to his friends PayPal account ( As his is not working ) ; XXXX and was told that it was received. Then I was asked if i would like to pay for the rest via PayPal to make picking it up easier the next day, and also avoid cash in these covid times, so I agreed. Once I sent it, he went to check with his mate and told me that his mate accidentally refunded the amount and will take 1-3 days for it to come back into my account. I gave it a day and no update on my PayPal, so I got in touch with PayPal and was told there is no visible refund being processed under my account on PayPal, and was advised that the individual has not pressed the refund button. I have now sent the initial XXXX deposit plus XXXX ( Totalling XXXX ), and have not received the XXXX XXXX XXXX XXXX. I am a current student at XXXX XXXX XXXX University XXXX and would very much apprecaite all the help you guys can offer in catching these scammers, robbing people off their money. Response from My Bank ( XXXX XXXX ) : The transaction that was made, was successful in reaching its intended destination, As the transaction was made through Paypal friends and family, this is a transfer of the funds to an account held by the individual involved. We have no valid chargeback rights to reclaim the funds through XXXX, as the service of transferring the funds was successful. Making a transaction of this nature for specific goods/services is made at your own risk. | ||||||
| 03/03/2021 | Yes |
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Web | Older American |
| My complaint is with PayPal who advertise BUYER PROTECTION. I purchased items that came to me " not as described '' and after many attempts to resolve the issue with merchant ( details attached ) I filed a dispute with PayPal. I left message after message for someone from PayPal to call me or text me but they never did. I do not believe they read my messages because they sided with the merchant and did not return my money.The company that I purchased from was Minisweater and on the PayPal statement was best-deal and email was XXXX MY letter to PayPal The items that I purchased and received were not as described. They were 6 sizes smaller than their size chart showed. Example a XXL was like a size 2. The quality of the fabric was not as described. I am sending copies of some of the many email attempts to work out a return and I just keep getting the same computer-generated auto responses. To send an order # and pictures of the items. I did this many times. The latest surprise is that they want me to mail merchandise to a warehouse in XXXX which would cost near {$100.00}. Then they would review and afterward they would send a refund. It seems like a major scam. I believed this company was in the United States like they advertised, and that shipping would be as promised, then to find out they are in XXXX. Their website and email address are now shut down. I am again sending pictures of a measured shirt that is tagged XXL. REVIEWS IN THE LAST FEW WEEKS THE SAME AS MY COMPLAINT. XXXX XXXX | Read Customer Service Reviews of ... XXXX review minisweater 1 ) This company is a scam they will not ship your order nor refund your money! they will send a tracking number which will never be anything other than a created label according to the USPS! Do NOT buy from this company! XX/XX/2021 2 ) Horrible quality and missing items : Took over a month to receive. Very poor quality. Items missing from order though it states they were all delivered. Very thin material and horribly sewn. 3 ) Awful Company : This is a XXXX company ; they took months to send the shirts I ordered. When 2 of them came they were 4 sizes too small. | ||||||
| 06/19/2017 | Yes |
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Web | Older American, Servicemember |
| In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX | ||||||
| 05/09/2017 | Yes |
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| On Saturday XXXX XXXX , I agreed to transfer tickets to someone for a concert in XXXX , FL. The agreed upon price was {$1600.00} for four tickets. The buyer wanted to send me payment via VENMO, which is marketed by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this. The person sent me eight {$100.00} transactions and one of {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes 2-3 day s. It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3 days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}. After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries. My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account. I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}. Thank You, XXXX XXXX | ||||||
| 06/22/2021 | Yes |
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| This is a complaint against Paypal, for it's failure to protect customers from being charged by unauthorized transaction. Here is the story : I started my free trial on an audiobook app in XX/XX/XXXX. To start my free trial, I had to link my Paypal account with the app membership so that the merchant could charge me if I wanted to renew my membership after the free trial ended. However, by using the app for several days, I decided to cancel my free trial and not renew my membership any longer. Thus, there should be no charge on my Paypal account at all. However, on XX/XX/XXXX, I found I was charged by the merchant for a full year membership renewal. I immediately reached out to Paypal to dispute this transaction and checked 'automatic payment ' on Paypal and found the status of the automatic payment was 'Inactive '. One day later, Paypal responded and said it was not an unauthorized transaction. So they wouldn't protect me from this issue and help me get my money back. Meanwhile, they requested me to review my active automatic payment more carefully going forward. However, I don't agree with Paypal 's investigation result : 1. The transaction is definitely an unauthorized charge. As I canceled my free trial, my agreement with the merchant to charge me by Paypal should be terminated immediately. Any charge after the cancellation should be identified as 'unauthorized '. 2. I have already reached out to the merchant, but it didn't respond. If Paypal passes the buck to the merchant, as a customer, I can do nothing if the merchant refuses to resolve the issue. In this case, Paypal fails to protect its customers as promised. 3. The status of the automatic payment by the merchant was inactive when the charge occurred. How come could Paypal allow an inactive charge happened? If Paypal treats this type of unauthorized transactions legit, then customers will be under tremendous risks when they subscribe to any services. Because, if merchants continue charging customers after customers request subscription cancellation and refuse to respond customers, customers can find nobody to protect them. Thanks, XXXX | ||||||
| 10/08/2019 | Yes |
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Web | |
| In XX/XX/XXXX I cancelled an auto payment with XXXX. I resigned up for the same service for {$100.00} a year. On XX/XX/XXXX I received a notice from my bank my account was overdrawn because both {$100.00} and {$120.00} were charged to my account by XXXX. I didn't have money in there for both charges because both charges where not supposed to go through. I contacted my bank and XXXX. XXXX said they saw both charges and said the {$120.00} should not have been charged to my account. They again cancelled the subscription for {$120.00} but left the correct one for {$100.00}. They then immediately refunded the {$120.00} on XX/XX/XXXX to Paypal. Paypal continued several times to collect the {$120.00}, so I called them, wrote to them, and emailed them. They told me I didn't cancel correctly because I had to cancel with XXXX AND paypal. I should only have to cancel with the company processing the charges, not with Paypal! Then Paypal said the refund was on hold because the charge didn't go through - a charge that should never have been presented in the first place. So. I put money in my bank account so that the charge would go through and Paypal could process the refund. The charge cleared my account and Paypal has had the money since XX/XX/XXXX, which was confirmed by my bank. It was in Paypals bank account on XX/XX/XXXX. On XX/XX/XXXX Paypal claimed the money would not clear my account until XX/XX/XXXX and I would get the refund after that. This is absolutely NOT TRUE! Paypal had the money XX/XX/XXXX. Not only did they have the money by this date, they also had the money from XXXX on XX/XX/XXXX. Yet they still refuse to give me my refund for a charge that should never have been processed in the first place! If Paypal puts charges through that are not authorized by the vendor, they should be held accountable. And if Paypal holds all refunds for days after they receive them, they are earning interest on money that is not theirs. They charge my account to overdraw with an unauthorized charge, and now they are keeping my refund money - for several days!!!!!. Their practices are shady at best and possibly criminal. | ||||||
| 01/03/2017 | Yes |
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Web | |
| On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX | ||||||
| 12/06/2023 | Yes |
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Web | |
| On XX/XX/ my Venmo account was suspended without any reason provided. The first email I got stating my account was suspended stated " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents '' So I did send pictures of my drivers license. After waiting 24 hours I called the support line, where I was told to wait for the process. I also emailed again, which the response was " Your Venmo account has been restricted due to recent activity that appears to be a violation of our User Agreement. At this point, your case requires the attention of another team. I will forward your case and they will follow up with you here, via email in 7-10 business days. In order to make this a smooth process, please respond to this email chain with any additional questions or concerns that you may have '' I surely have not violated any of the terms of services. Not even in the second email did they provide a reason. I had several automatic payments on my venmo account which I will now owe fees to. I also have several hundred dollars in my account which I can not access. I also have my direct deposit going to my venmo account which I will have to change now it may cause some big issues. After some research, it seems to be common for people to get suspended for no reason with money in their account. I havent had any high priced transactions either, nothing over XXXX which was my direct deposit amount. I'm not sure if they are doing some sort of scheme but it seems far too common to happen. They shouldnt be allowed to randomly hold/take peoples money without at least a specific reason. To reitterate this seems to be a very common thing venmo is doing. I appreciate the help | ||||||
| 06/08/2023 | Yes |
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Web | |
| Dear PayPal Customer Service Team, I am writing to appeal a permanent limitation that has been placed on my PayPal account ( email : XXXX ) recently. My objective for reaching out is to express my concern over this situation and kindly ask your team to re-investigate my case in light of the points I will raise in this email. Firstly, I strongly believe that the limitation on my account was enacted by mistake. Until now, I have been unable to discern any specific transactions or actions that would have prompted such a stringent action on my account. It would be highly appreciated if you could provide further clarification on what the precise reasons were behind this decision. Secondly, to the best of my knowledge and as per my understanding of the PayPal User Agreement and Acceptable Use Policy, I assert that I have not violated any PayPal policy. I have always used my account responsibly, ensuring that all transactions are legal, ethical, and within the boundaries of PayPal 's rules and regulations. It would be beneficial if the alleged policy violation could be outlined so I can better understand and rectify any misconceptions. Given the aforementioned points, I would like to kindly ask the PayPal team to re-investigate my case. I hope that upon further review, it will be apparent that my account has been in good standing and that the permanent limitation might have been unwarranted. The limitation on my PayPal account has caused significant inconvenience in my personal and professional life. I value the services that PayPal offers, and I have always regarded it as an indispensable tool for my online transactions. Therefore, I kindly request the restoration of my account, if possible. I understand that PayPal needs to safeguard its services and users from potential threats and I support such measures. I am willing to provide any further information or fulfill any requests that may assist in re-evaluating my case and ensuring that my account complies with PayPal 's policies. I am looking forward to your prompt response and appreciate your attention to this matter. Best regards, [ XXXX XXXX XXXX | ||||||
| 03/14/2020 | Yes |
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| My recent claim XXXX for non receipt of the service was denied on the grounds of the sellers policies. The refund policy is voided under Florida 's Sellers of Travel Act which is publicly viewable at XXXX XXXX XXXX XXXX XXXX XXXX. At this point not only has the seller failed to adhere to this act, but has failed to provide the requested refund on the grounds of a refund policy which doesn't adhere to the act in question and hence is not binding. Moreover, this is a service I didn't receive - at all. So, this clearl doesn't fall under any legal gray area of being able to charge for services rendered considering there were quite literally no services rendered. The seller also failed to provide a suitable resolution as required by sellers of travel per this act. Moreover, PayPal being the transactional provider is directly liable for upholding illegal practices under this act by means of failing to provide the resolution requested. Specifically, the policy stated by the seller is voided by statuates 559.932, 559.933, and 559.935 The seller failed to provide the requirements to provide a legally binding refund policy under the requirements of statuate 559.932 and 559.333 on both the policy itself and communications. Moreover, the seller is clearly in violation of the violations proposed by statuate 559.935 on multiple counts. The statuate violated which is nuclear to any resistance of this claim is specifically : Statuate 559.935 ( 20 ) even if any of the others weren't true. That alone is grounds. I have attempted to resolve this through other means to no avail. PayPal has been given the legal statuates they are violating upholding this transaction between parties as well as what statuates the seller has violated. I've opened multiple cases. I've contacted support multiple times during which the agents have given me a " run around '' with no resolution per your companies scripted responses. At this point without a resolution and a clear indication that PayPal has no intention of resolving this despite evidence and statuates provided I will be forced to purse this matter further through legal means. | ||||||
| 07/25/2019 | Yes |
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Web | |
| I've been trying since XX/XX/19 to remove my previous checking account from my PayPal account. Their system repeatedly told me that it couldn't be removed since there was pending transactions against the account. I confirmed there wasn't as nothing had been pulled against that account in months but had pulled against my credit card. On Monday XX/XX/19, I paid for something online using my PayPal account and when asked for the funding source I chose my credit card. For some reason, PayPal charged this against my checking account ( which is being closed in 5-days ). That bank has paid the {$1.00} charge and given me a {$20.00} NSF fee. I contacted PayPal today XX/XX/19 and spoke to two very incompetent representatives. The first told me that I could not remove the checking account because there was a pending payment against it. When I told him the payment already cleared my bank, he had me navigate to a setting showing automatic payment authorizations to this payer and when I confirmed my screen said it was to fund from my credit card, he told me to cancel all future payments. Frustrated, I asked for a supervisor. The supervisor told me I have to wait 3-5 business days for that payment to clear and then I'll be able to remove the account. When I told her that I've tried for the past 3-weeks to remove this account she told me that I hadn't. When I told her I've gone through their process to link a new account but that the system goes in a loop and doesn't add it, she told me I didn't complete it. All in short of calling me a liar she didn't believe I had done what I told her. When I explained I work in software development, I understand how systems work and that theirs has an issue and requested a ticket be opened for a tech to look at this she said no. I got angry and demanded it and because of this she told me she'd disconnect the call. I told her that I wanted her name and she said " Nope '' and then disconnected the call. This account needs to be removed so that I don't incur any other fees and they need to fix their system. They also need to train their representatives to LISTEN to their customers. | ||||||
| 04/03/2016 | Yes |
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Web | |
| the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX. | ||||||
| 10/28/2021 | Yes |
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| In XX/XX/2019, I made a payment to a XXXX vendor through PayPal. It was an established account I had already been paying for years. My credit card was charged but the funds were never transferred. I contacted PayPal. They assured me nothing was wrong, sometimes some payments are placed under administrative review, and that I should feel confident to continue making payments to the account. I made a total of six payments over the month, totalling over {$27000.00}. During that time, I contacted PayPal a couple more times. Each time they assured me the payments would be processed and that they didn't see any issues with the account. After a month, I stopped sending more payments but continued to contact PayPal. They told me it sometimes takes up to six months for compliance to review a payment. After six months, they asked me to be patient and said there was no timeline for a compliance review. I submitted a complaint to the New York Attorney General 's office. PayPal responded by declaring my transactions were flagged as an OFAC violation but they wouldn't give me any information regarding the violation or how to challenge the allegation. Recently, I inquired as to the status of the funds. PayPal insisted they had already refunded me the money in the XXXX, XXXX. They even marked my transactions as refunded and informed my vendor that the funds had been refunded. It was all a big lie. The funds were never refunded. I requested documentation showing the funds had been returned to me. PayPal refused. I contacted my credit card company ( XXXX XXXX ), who told me any refunds would have appeared on my statements and there are no refunds from PayPal. I believe PayPal lied about the OFAC violations. They deceived me into sending additional funds to an account they had already flagged. They lied to me ( and continue to lie ) about the status of the funds. They defamed me by falsely informing my vendor that the funds had been refunded to me. This has continued for over two and a half years and they still insist on lying to me about the status of the funds. This is grand larceny. PayPal has stolen from me. | ||||||
| 11/01/2020 | Yes |
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| On XX/XX/2020 my girlfriend sent me money to cover the amount needed for a bill. On XX/XX/2020 I discovered that a limitation was placed on my PayPal Inc. account, -- -- -- -- -- -- -- -- -- -- -XXXX. I was not given notification as to why this occurred, or how long it would take to be resolved ... only that they required a copy of my driver 's license AND a photo of the debit card I had on file, which I already find highly suspicious in this age of Identity Fraud. However, I sent in the proper documentation, and when I attempted to contact a LIVE person via the issue, I was not able. There was no response via the " contact us '' option, and even the customer service phone number, which was supposed to be available 24/7 was entirely automated and stated, " there are no customer service representatives to address your issue at this time. '' and AUTOMATICALLY DISCONNECTED. I am NOT ABLE to make any changes regarding the card they have on file, I am not allowed to close my account, and I am not allowed to transfer the money into the back account. PAYPAL IS HOLDING MY PAYMENT HOSTAGE, AND WILL NOT TELL ME WHY, HOW LONG IT WILL TAKE, NOR ANSWERING ANY OF MY ATTEMPTS TO MAKE CONTACT REGARDING THIS ISSUE. and I can not even close out my PayPal, Inc. account. I want to to be contacted by A PAYPAL INC. MANAGER, THE LIMITATION LIFTED OFF MY ACCOUNT ( as there should be ZERO reason why it was placed to begin with, as I've been a customer for nearly a decade ) AND MY MONEY TO BE TRANSFERRABLE TO MY BANK ACCOUNT. They are simply holding it hostage, collecting interest on it somewhere, and refusing to deal with customers regarding this highly suspicious, borderline illegal practice. In addition, there are HUNDREDS OF COMPLAINTS, regarding this issue, via the community message board in paypal, and also the XXXX XXXX XXXX as well. The consenus is that paypal refuses to acknowledge why limitations are placed on accounts, and it takes MUCH longer to resolve these issues than the customers were being told. In addition, the services representatives, when customers HAVE been able to access LIVE people, have been severely rude. | ||||||
| 05/03/2023 | Yes |
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| This complaint is in regards to missing information or disclosures from PayPal. We have tried numerous times to solicit an answer to the following issues to no avail. 1. What should be done when a customer sends a payment through PayPal and notes the incorrect delivery address on their invoice? For instance, customer " x '' says they want an order delivered to " Y '' address which is their business address but, on the invoice, they put " z '' address which is their home address. This creates an issue because, especially with regards to large orders a. the merchant can not issue a full refund due to the fact that PayPal takes out transaction fees and does not return them when transactions are refunded. If the merchant refunds the full amount, the merchant is losing the transaction fee that PayPal is keeping. b. the merchant can not change the delivery address on the invoice afterwards to correspond to the address where the client actually wants the items delivered. c. If the merchant delivers to the address which the client wants to deliver to but which is NOT on the invoice, the merchant loses seller protection for that order. d. If the merchant delivers the order to the address which is on the invoice in order to ensure the seller protection, the customer may reject the order, file disputes etc. due to their irritation of where the order was delivered. Our company needs clear, written guidance for this matter. 2. What should be done if and when an incorrect amount is sent or an any amount is sent by accident? For instance, customer " x '' intends to send {$12.00} but sends {$1200.00}. This raises the same issue where, if the merchant gives a full refund, the merchant loses 3 % of the transaction amount and, if the merchant issues a refund which has the transaction fee taken out ( since the merchant did not get this transaction fee in their net payment ) the customer is upset and files disputes etc. As a seller, we can not return what we did not net ; especially if it was someone else 's mistake. We have tried numerous times to obtain guidance on this issue directly from PayPal. Please advise. | ||||||
| 07/18/2021 | Yes |
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| This complaint is against PayPal. I sent my mother {$40.00} Via my PayPal account to her PayPal account. Immediately after I sent it I realized I had sent it from my credit card instead of my debit card. I contacted my mother and she immediately initiated a refund. All this happened in less than 2 minutes. I also called PayPal and requested a refund. I was told that they saw where my mother had initiated the refund process and that the money would go back on my card immediately. That did not happen. I contacted PayPal through XXXX. ( I have a copy of those conversations verbatim. I am uploading the entire conversation between me and several PayPal associates. ) I was told that they were waiting for my mother to initiate the refund. I let them know she had already initiated the refund. I contacted them again using the same message. This time a different customer service rep replied. He said they were waiting for my mothers bank to return the money and as soon as that happened PayPal would refund my money to my cash account. I informed him that my mother never sent the money to her bank that she initiated the refund immediately. The next person to reply told me I had already received the refund and it was in in my cash account. I screenshot my home page and it showed {$0.00}. The next person told me that PayPal was waiting for my mother to initiated the refund. My mother sent me a screen shot of her account that showed she had initiated the refund and it was completed 4 days prior to this conversation. I uploaded that screen shot. The next one told me they had already refunded it to my credit card and I should receive it with in 5 business days. Its been 7 business days and I still haven't received it. I contacted my bank and they say they have not received any refund from PayPal. Read the entire conversation that is uploaded between me and PayPal. The last one to respond also told me it was already refunded to my card. Again I contacted my bank and they have not received anything from PayPal. This was yesterday. I want my {$40.00}. I am including the transaction number and my PayPal email. XXXX XXXX # XXXX | ||||||
| 11/18/2020 | Yes |
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| On XX/XX/2020 PayPal sent me an email stating that they were closing my account and would be holding any funds in my balance for 180 days. The email did not contain any explanation of their decision to close my account. I was able after holding on the phone for several hours to speak with a live agent who said my account had been closed because of price gouging. He stated that I had been warned by PayPal and when I said that was not true he said that XXXX had warned me, which was also not true. XXXX did remove my listings because I listed a package of items which included hand sanitizer and masks and they stated that because they were having problems with price gouging they were only allowing authorized vendors to sell those items and were not accepting applications for new vendors. I was able to relist the original item with just the nitrile gloves with no problem and pricing was similar or less than all other listings on XXXX. PayPal had previously limited my account only due to the fact that my volume had increased so drastically that they were requiring invoices for the product I was selling and proof of ownership of the company which I provided and my account fully restored twice before this. When they arbitrarily closed my account and accused me of violating the acceptable use policy I had {$93000.00} as a balance. I was told that the hold was to make sure that there were no chargebacks on the account and the funds would be available in their entirety for me to withdraw after that time. Turns out 180 days later I received an email saying my funds were available only to find out that they had debited my account {$30000.00} with " damages to PayPal '' in the memo. I have sent messages and have only received automated responses from them and hold times are 2 hours plus if you try to call. I feel like PayPal stole {$30000.00} from me and can not even talk to anyone there to correct the issue. They force you into arbitration in there terms of service so attorneys will not even touch the case. I have already sent them notice of dispute and plan to initiate arbitration as soon as the 30 day notice is over. | ||||||
| 10/10/2023 | Yes |
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| To brief you about what is going on, I received my federal income tax return as a direct deposit into my Venmo account on XX/XX/XXXX it was for over {$20000.00} leaving my account total at {$20000.00} on XX/XX/XXXX Venmo froze my account & asked me to upload my government issued photo ID. I did just that. The next morning I received an auto generated email saying that my account could not be activated & that Venmo would hold my money for 180 days ( 6 months ) I was not able to spend nor transfer a single dollar from my account before my funds became frozen & in the email it said that I violated terms of use, I have called multiple times & spoke with supervisors about my funds, they all review the transaction on my account and tell me the same thing that they cant see any unusual activity on my account that would cause it to be frozen, let alone my funds to be held for 6 months. Those funds were deposited to me from a notarized XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see on my account. I have waited almost 2 moths to receive my funds, I have been gettin extensions on my rent & also bill payment & when I finally received the funds Venmo freezes my account and says its holding the funds for 6 months. Thats unfair to me as a consumer & totally unfair & unjust to me as a person. Every time I spoke with some one on the phone they tell me that the department that is handling my case does not take calls or direct emails, & when I receive an email it blatantly says not to respond because it wont be answered. Who am I supposed to speak to about my funds. It seems my money is being stolen from me by Venmo. They have not provided any details about a user violation that they claim took place on my account nor a clear line if communication about my funds they are being bullies. Please help me to get my funds. I have studied the terms and user agreement and as far as a direct deposit of a federal income tax return I have not violated anything. Its my same name XXXX social security # just like they stated in the user agreement. Before the deposit my account was fine now that funds have been deposited its frozen. | ||||||
| 05/08/2021 | Yes |
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| XXXX ) On XX/XX/XXXX, I ordered a pair of boots on XXXX and paid {$61.00} via PayPal and I expected to receive a Left foot and Right foot. The details of my order are still in my account on the XXXX XXXX online store. 2 ) On XX/XX/XXXX, I received my order from XXXX XXXX XXXX ) On XX/XX/XXXX, I opened the package and realized that XXXX XXXX had sent me the WRONG product : they sent me a Left foot and Left Foot. Nobody can walk in a left foot and left foot pair of shoe. XXXX XXXX XXXX XXXX advertised a Left and Right shoe ( see attached screenshots of their product advertised on their online store ). 5 ) I immediately attempted to contact XXXX XXXX on the phone the same day I received the order, but could not get through the line. 6 ) Then I submitted a claim on Paypal the same day too.7 ) All I need is to RETURNthis WRONG product to XXXX XXXX and get my refund. I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they see that the items were wrong and are going to be fixing the issue. They say they will send me an email confirmation. But I have never received any email follow-up and certainly no resolution. Rather, they keep on sending me a " request for information '' requiring me to take the boots to an expert who will then certify on an official letterhead that the item is not as described. Never mind that 1 ) we are talking of a {$61.00} leather boot, 2 ) they can see clearly from the pictures that the item that they sent is wrong 3 ) why must I take the book to an expert for certification when I am asking the XXXX to take their boots back? they can take it back and certify for themselves if the item is correct or not. These outrageous request for " expert certification '' from paypal and its sellers are corrupted denial tactics to abuse customers when they know that they have no other reason to withhold a refund. This issue occurred in XXXX, 2 months ago. If ninewest and paypal truly lived by what they purport to be their values, they would have promptly apologised for the mistake. Rather they chose to put me through endless aggravation for a mere {$61.00}. | ||||||
| 12/11/2018 | Yes |
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| On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX | ||||||
| 05/18/2020 | Yes |
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| A third party represented that a used laptop computer was new, but objective forensic battery tests and opened box with scratches on the item demonstrated that it was substantially used. A premium price of {$760.00} USD was paid to buyer via PayPal. Within hours of receipt, I contacted the fraudulent seller and and submitted evidence. On XX/XX/XXXX, PayPal required me to return the non-complying item to the fraudulent seller ( XXXX ), but insisted that it would not supply me with a credit. Proof of receipt of the item by the seller was given to PayPal along with all proof of noncompliance. Without notice to me and for no reason, PayPal has repeatedly switched this case to numerous associates and moved the waiting period for resolution back without my consent ( from XX/XX/XXXX to XXXX, XXXX, to XXXX, etc. ). The industry standard is resolution within 3 days of buyer 's receipt of returned item. ( see XXXX attached ... PayPal and XXXX were formerly subsidiaries of the same company ). It is prolonging the period in which I'm separated from my money and the laptop I bargained for. The fraudulent seller has both my funds and the laptop, and this has been the case for over a month. PayPal 's online complaint resolution format is rife with problems that make submittal of proof by the innocent consumer nearly impossible, and it sends consumers messages that their messages will be discontinued, which I was assured is not actually the case. The associates handling the case indicate that the fraudulent seller " has monopolized '' the dialogue, when in fact I had initiated the dispute resolution process and submitted ample third party evidence, including video, pictures, tests, web page grabs, and receipts to illustrate the obvious fraud. As I needed business equipment, I had to " cover '' by purchasing a new, more expensive item at a cost of over {$1200.00}. Further, having the {$770.00} charge unreimbursed carries the threat of higher credit card interest on unpaid amounts. In sum, PayPal is even now facilitating the fraud on consumers by allowing the unfair merchant to have both the equipment back and my money. | ||||||
| 10/10/2022 | Yes |
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| Hi I am having an unbelievable problem with paypal.com right now, I have a small business and I build and sell computer servers so I sold a bunch of goods to a good client of mine on XX/XX/XXXX and the transaction amount was {$34000.00} initially i did not want to use paypal because I dont like them but this client had to pay me with paypal so I said it is ok I have an old paypal account with no problems with it. So they sent me the money and right away confimred the purchase on paypal so paypal releases my money to me and they only released {$24000.00} and kept {$10000.00} in a reserve which I have never heard of reserves before I have heard of regular holds but not reserves. So i called paypal a few times and no one can give me an answer to when my money will be released like I said I have a small business and that is alot of money to be held. a month passed and I was getting angry so I messaged and called until i got an answer, one of their workers told me my account is put in a up-front reserve which means they will hold my money for the lifelong of the account and it is not scheduled to be released! This makes zero sense to me that is basically stealing I have called them many times and escalated this issue but it gets nowhere I am waiting for them to get back to me but I am tired of waiting I need this money for bills they keep telling me this is done for chargebacks but chargebacks don't take forever usually companies like paypal will hold the money for 2-4 weeks and once they see everything is good they release the money, on top of all that my client who received the goods from me already confirmed the purchase and told paypal it is all good! I am asking you guys to help me someone recommended you to me and told me you can help, also I am not the only one they have done this to I have talked to so many people but they told me they got a lawyer and got their money back, but I can not afford a lawyer right now and makes no sense that I have to pay to get my own money back! I have attached a picture of them holding my money with no schedule release if you guys need more info please contact me | ||||||
| 08/18/2019 | Yes |
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Web | Servicemember |
| I put a down payment on a puppy through PayPal. The "breeder" who asked for the downpayment had me send him the money through PayPal, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees". I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked PayPal for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, XXXX XXXX. I explained to XXXX XXXX that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. XXXX XXXX did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to XXXX XXXX-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account. I don't know who is responsible-- PayPal or XXXX-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX balance. | ||||||
| 03/02/2022 | Yes |
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| On XX/XX/XXXX I made an error and transferred {$360.00} from my PayPal account to XXXX XXXX. I immediately noticed the error and contacted XXXX and they agreed to issue a refund. After a few days I didnt see the refund and again contacted XXXX who advised they sent the refund and to contact PayPal . I contacted PayPal many times before getting a response where I explained the issue. I believe they wrote down notes and advised they would look into it. Days later still no response from PayPal. I again contacted XXXX and they advised the refund had been issued and to speak to PayPal. Again many attempts to get a person to help me was unsuccessful. I called and messaged without response or I got the BOT response someone would get back to me. I repeatedly asked for a supervisor to no avail. I am extremely frustrated at this point as {$360.00} is alot of money for me as Im on XXXX income. On XX/XX/XXXX I received a refund for {$1.00} which was deposited into my PayPal. I quickly contacted XXXX who advised they had sent me the entire amount of {$360.00}. They advised contact PayPal. Again many calls and messages were sent with PayPal saying that I accepted the {$1.00} refund and they cant do anything else. I didnt accept this it automatically was deposited. Many attempts to get PayPal to understand this problem and I was finally advised my original dispute was amended and I should see the refund. I even received a case closed notice saying the dispute was closed in my favour for {$360.00}. I still have to received my refund and again PayPal is saying that nothing can be done. I went back to apple and they advised if PayPal would do a charge back they would reissue the refund. PayPal has refused to help me any further and said contact my bank. At this point the bank said they cant help as too much time has passed. PayPal is refusing to help me XXXX has said they will refund if PayPal does a chargeback. Im so upset and frustrated that PayPal can just ignore my problem I dont know where to turn. I have attatched correspondence a lot of which was done by the messages system PayPal uses. Please can you help me? | ||||||
| 02/16/2017 | Yes |
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| As a Venmo account holder since XXXX/XXXX/XXXX, I have never encountered any issues with the web based app my friends and I use more than often and never imagined to find myself dealing with the following following ridiculous issue. On XXXX XXXX, XXXX a friend initiated the transfer of {$40.00} via Venmo and her account was immediately debited. Shortly after, we were notified the transaction was flagged and pending review by the companies compliance team due to the sender 's commentary. Please note, Venmo requires a " comment '' ( ie any keyboard stroke ) in order to complete the transaction which a majority of the time are witty/silly/nonsensical jokes shared between my friends and I. In this particular case the joke in the comment section, which again is mandated, was " XXXX is in XXXX ''. The originator then received a subsequent request for further explanation which stated " To speed up our review, please explain what you intended to pay for and describe the establishment, individual or location you referred to in your note, as applicable. '' The sender responded accordingly and explained, however the funds remained in limbo. In an effort to resolve the matter, I reached out to their customer service and requested that per our clean transaction histories, banking info/locations and IP addresses they could easily clear up the matter, however the transaction was to be canceled and funds be immediately returned to the sender 's account to which they responded with OFAC regulations. I was later contacted AGAIN with a request for a receipt as proof of purchase. As an employee of a highly regulated financial institution, I am regularly trained on OFAC regulations as well as restrictions on sanctioned/high risk countries etc., however with that said, I feel there is a HUGE difference between the arbitrary reference of a single word ( which is in fact just the name of a country that actually exists ) warrants this level of scrutiny/privacy infringement. The only country I have ever had any affiliation to and/or transaction with is my own, the United States and I refuse to support how far this has gone. | ||||||
| 05/22/2023 | Yes |
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| Dear PayPal Customer Support, I am writing to submit a formal complaint and appeal against the permanent limitation that was recently placed on my PayPal account. I firmly believe that this limitation has been erroneously imposed and I would like to request a thorough re-evaluation of my case in order to rectify this situation. Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or engaged in any activities that would warrant such a severe action against my account. I have always conducted my transactions within the boundaries of PayPal 's terms of service and adhered to the guidelines set forth by the platform. Therefore, it is my belief that this limitation is a result of an error or misunderstanding. Given the importance of my PayPal account for my personal and professional financial activities, I kindly request PayPal to undertake a comprehensive investigation into my case. I would greatly appreciate it if the relevant department could review the details of my account, transaction history, and any associated activities, with the aim of identifying any misunderstandings or errors that may have led to this unjust limitation. Furthermore, I kindly request PayPal to restore my account access and remove the permanent limitation if the investigation determines that my account has been unfairly restricted. I have relied on PayPal as a trusted and secure platform for conducting my financial transactions, and the permanent limitation has caused significant inconvenience and disruption to my daily operations. For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate any updates or resolutions to this email address to ensure timely correspondence. I would appreciate your prompt attention to this matter and a timely response regarding the progress of the re-evaluation of my case. I trust in PayPal 's commitment to fairness and accountability, and I sincerely hope that this issue can be resolved to reinstate my access to the platform. Thank you for your attention to this matter. Yours sincerely, XXXX XXXX | ||||||
| 01/27/2023 | Yes |
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| Dear PayPal, I am writing to express my extreme dissatisfaction with the handling of my account by your company. On Tue XX/XX/2022 XXXX PM, a representative " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' suggested that " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/2022, and we will notify you of this via email. '' However, on Wed XX/XX/2022 XXXX PM, I received an email from " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' informing me that " the funds are now available in your PayPal account that were held for 180 days ( XX/XX/2022 ) from the date of limitation placed. '' I would like to inform you that holding funds for more than 180 days is not allowed under the XXXX XXXX XXXX. As per the Fair Credit Billing Act ( FCBA ), a consumer has the right to dispute a charge within 60 days of the billing statement. As per the XXXX Funds Transfer Act ( XXXX ), a consumer has the right to dispute an electronic fund transfer within XXXX days of the transfer. Furthermore, I would like to inform you that I do not have any transactions specifically between XX/XX/2022, and XX/XX/2022, the XXXX personal payments totaling {$590.00} as you have stated in your email. I have attached a screenshot to prove this ( Please see attachment ). Regarding the statement in your email " We notified you of this action through email the same day and requested that you a photocopy of your valid government-issued identification, proof of shipping, and explain the activity on Account. Later that same day, we received a copy of a screenshot of a picture, which we could not accept '', I would like to inform you that I was not asked to provide any documentation as stated. Instead, I was placed with a direct permanent limitation when I received a XXXX payment from XXXX XXXX. In conclusion, I believe that PayPal has mistaken or misunderstood my account situation. I kindly request you to re-evaluate my account and release my funds or to restore my account access back to its normal standing. Thank you for your attention to this matter. Sincerely, XXXX XXXX | ||||||
| 08/30/2022 | Yes |
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Web | Older American, Servicemember |
| Hello : I have had a PayPal account for personal use for over 10 years. I just received a notification that for " Possible '' risky activity, they have permanently suspended my account, tried to " Close '' the account and they will not let me. When I finally was able to contact a representative, I was told that she could not see anything on her end, regarding my account, that could lead us to understand exactly what it was that triggered the suspension. Thus, she informed me that she would send the case upwards for appeal. I just received a notification that upon reviewing my account that their Permanent Suspension would stand, still without any specific reason given other than " POSSIBLE '' risky activity and as such per their Terms of Service they have the right to refuse service. The takeaways here are that ONE : There is no stated actual rationale for the suspension. TWO : That while I can still log in and view my account, I am blocked from engaging in any activity, such as buying or sending money, the only activity I have ever used this account! THREE : I have been informed, via the website, that I am unable to close this account, as such my confidential information is open to being " Hacked ''. I have done some research into this and it seems that for some reason, not stated, PayPal has been doing this to it's customers for some time and as far as I can tell it is happening more and more frequently. The goal here is to either have my account re-instated without prejudice, PayPay held accountable, or to have the ability to close this account ( again without prejudice ) so that I maybe able to reopen my account with new and updated credentials... PayPal is one of the very few ways to be able to purchase goods and services on-line and thus is very important to have available for use. Lastly, to be informed as to EXACTLY what it was or is that triggered the suspension to begin with!!! I was going to try and upload a screen print of the chat session I had with PayPal and it is no longer available for review!! Thank you for taking the time to review my issue. Sincerely XXXX XXXX XXXX | ||||||
| 10/17/2015 | Yes |
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| I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance | ||||||
| 08/05/2022 | Yes |
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| I loaned a friends son money for food in the amount of {$250.00} XX/XX/2022. On XX/XX/XXXX a repayment was sent to me money to pay me back in XXXX separate transactions. The person I loaned the money to is XXXX XXXX. On XX/XX/2022 I received via VENMO {$50.00} and {$100.00} and {$100.00}. ( The name XXXX XXXX was the sender in my transaction list ) to repay the loan. On XX/XX/XXXX a XXXX XXXX disputed the transactions and VENMO, with out my knowledge or consent or even asking me took the money from my account and sent it to someone. ( I don't know because their are XXXX names and XXXX of them are fictitious made up by XXXX. I immediately contacted VENMO as soon as I noticed, because they never informed me,. I was told initially since it was a chargeback I would have to wait up to 75 Days to get a resolution. after almost 85 days, numerous phone calls, being placed on hold for an hour at a time, hung up on, " disconnected '' apologized to and lied to I received an email on XX/XX/2022. This email said the bank sided with the sender and I am not getting my money back. At that moment I requested an investigation, was told it would be escalated I would get a response in XXXX to XXXX hours. XXXX week later after emailing every day and calling. I was basically told the same this that it was being investigated and to just wait. Now that we are at almost 4 months since the initial fraud happened and my money dissappeared. I have hundreds of hours into my attempt to resolve this but they keep telling me the dept handling this has no phones so all I can do is email and wait for a reply. with in XXXX to 2 days. This never happens. They are giving me a complete runaround. I am a good customer. Can't believe they have avoided an investigation. With three names on one transaction not including mine. ( XXXX of which, I don't even know. ) How is this acceptable??? I want my {$250.00} back immediately. Plus I would like {$500.00} extra from my time and my stress. Please help me get this fraud dealt with!! Since XXXX I have been demanding an investigation of fraud and I have been ignored and given the run around. | ||||||
| 02/11/2021 | Yes |
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| XXXX, XXXX I sold XXXX XXXX XXXX for {$9900.00} to private party. The money was transferred into Pay Pal Account from buyer 's bank by a debt card. 2-transactions. Pymt1of 2 for - {$9000.00} on XX/XX/XXXX ; Pymt 2-2 was for {$990.00} on XX/XX/XXXX. After funds were received in my Pay Pal account on XX/XX/XXXX for {$9900.00} ; I let the buyer set up his own selection of shipping company. He chose to use XXXX XXXX XXXX they came to my residence in Oregon on XX/XX/XXXX, and picked up the printer which was crated and ready for shipping to the buyer residence in Michigan. He scheduled it to be received at the trucking depot in Michigan. On XX/XX/XXXX ; the buyer received the printer and signed for the delivery. Attached to this complaint is the proof of delivery with buyer signature, bill of sale, my original invoice for when I bought the printer. Plus, my messages with many Pay pal customer assistance regards the hold on my funds. As you can see my funds were suppose to already been complete in two of the messages. Another one is the funds will be released 24hrs after delivery. Then another one we will manually release the funds after delivery since it should be done. Next is the money in a jump reserve, another it will take 180 days then we will review it. Another 21 days and available by XXXX XXXX, another XXXX days after buyer receives printer. If you send us a copy of your Driver License, Copy of original invoice, and proof of delivery we will review and then release the pending. I sent this information and they took off the pending, but put a hold on the funds instead. I feel all I have got is a massive run around on this issue. One rep stated, I have been a loyal customer with alot of transactions since XXXX '. I do have alot of business with pay pal personal and my merchant business. So I don't understand the hold for so long. The buyer loves the printer and he has even updated parts on the printer, changed some of the upgraded area and very happy with the printer. He bought it in as in condition with no warrranty as the bill states. But also the printer is a great deal and he loves it. | ||||||
| 10/21/2020 | Yes |
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Web | Servicemember |
| Back on XX/XX/2020, I loaded {$200.00} on my paypal cash debit card and I purchased a room at the XXXX XXXX which charged me at about {$160.00} including a security deposit of {$50.00} which I was due to receive back after I left the hotel. This money was taking from my account as a pending charge which left me with the remaining. I made two other purchases after that which lefted me with a positive balance. Also on XX/XX/2020, I was robbed for my cell phone and my PayPal mobile App was compromised and the pass word was changed not enabling to get on the mobile app. I called customer service and was told that I had negative balance of {$48.00} which I didn't understand because PayPal doesn't allow you to overdraft your account because it's a prepaid card company that you have to put your own money on the card. My card became restricted due to this matter and I spoke to a PayPal agent about my concerns and I filed a dispute. I was given back a credit of {$50.00}, but was still responsible for the overdraft of {$48.00}. On XX/XX/2020, I spoke to another PayPal female agent to address this issue and we were on the phone for over an hour trying to figure out how I got into an overdraft in the first place and she couldn't figure out the answer and she told me that I had a balance of {$1.00} and change. This was after the {$50.00} was reimbursed from me from the hotel stay at the XXXX XXXX. She stated that she would connect me wit a PayPal specialist, but when she did no one ever came to the phone which didn't surprise me because PayPal has a practiced of using the excuse of low staff for not being able to speak to a consumer. I feel that I should have at {$50.00} in my account and the overdraft was an error on PayPal not me because I never purchased anything to be in an overdraft and if the person who had access to my mobile app shouldn't have been allow to overdraft my account because PayPal has overdraft protection and don't even allow consumers to overdraft on their prepaid cash debit card. So I am having a big issue with PayPal and feel that PayPal has unlawfully cheated me out my money | ||||||
| 04/05/2018 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks. | ||||||
| 08/16/2023 | Yes |
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| Sometime last year, I had an issue with a Venmo transaction that was entirely my fault, but caused my account to be suspended. What happened was I transferred {$35.00} to another account and didn't realize that it was my own account because I forgot and I reported it. My account was immediately frozen and when I attempted to resolve the issue, I could no longer transfer money from my bank account into my Venmo account. Then in XXXX of this year, I legally changed my name for personal reasons, so I decided that since I couldn't fix the old account, I would attempt to create a new account under my new name. It seemed to work, but upon receiving my Venmo debit card, my account was immediately suspended. I have since sent numerous emails about the situation to Venmo 's support team and made numerous phone calls. Venmo has failed to unfreeze my account or allow me to add any bank account because my bank account is tied to the other account and my joint checking account with my husband is tied to his own Venmo account. This issue has been escelated numerous times and yet, I still can not use my Venmo account over a matter of {$35.00}, which I told them I would put back into my Venmo account if they would just allow me to add a bank account. I should not have to open a new bank account just to fix an error that Venmo created. It should absolutely not take more than a year to resolve any issue with a financial institution and Venmo customer service further refuses to allow me to talk to someone who can actually resolve the issue. Their customer support team has put me on hold more than once, often leaving me on hold for 45 minutes to an hour until I eventually hang up and call back in. The support team is rude and completely unhelpful and none of them can actually troubleshoot any issues. They are basically just reading from the same articles the help section on their app gives and not actually doing anything to provide any real support to their customers. Oh, and to top it off, they are still insisting on calling me by the wrong name, even though I submitted correct documentation for my name change. | ||||||
| 08/14/2018 | Yes |
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| Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts. | ||||||
| 04/12/2018 | Yes |
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Web | Servicemember |
| I made a purchase from XXXX via PayPal.com for {$120.00} for some weights. When I tried to return the items, XXXX would not allow the return. They referenced their return policy and said my return was not within their time window. I responded that my return clear was within their time window. They denied the return multiple times and would not clarify the reason other than the general reference to their policy. When speaking or chatting with an individual, they would agree with my reason for a return and promise to send a return label. Then each time I would receive and email denying my return. This was a conspiracy by multiple employee within XXXX to violate their own policy and deny my return. I filed a claim with PayPal.com to refund my purchase. PayPal then engaged in a conspiracy with XXXX to deny my claim. They did not provide any response or rational from XXXX in denying my claim. They asked irrelevant questions, such as " why do you want to return the item '', and used the answer as a basis for denying my claim. PayPal.com policy does not discriminate on the reasons for returns. PayPal.com, in conspiracy with XXXX, violated their own policy in denying my claim. PayPal.com then charged and additional {$120.00} to my PayPal.com account. This charge was unauthorized and fraudulent on the part of PayPal.com and likely a criminal act. This additional charge was in violation of PayPal.com policy and was outside the scope of my original claim. I was asked for a refund ; how can I possibly incur additional charges? Again, this points to PayPal 's conspiracy with XXXX to deny my claim despite both XXXX and PayPal policies affirming 1 ) my right to return the item and 2 ) my right to receive a refund for returning the item. I am disputing {$250.00} in charges for a {$120.00} returned product. I am also asking for a criminal investigation into XXXX and PayPal.com practices. I should note that PayPal has refused to speak with me when I have called in. I have been put on multiple terminal holds. They have refused to clarify or provide justifications or reasons for their multiple denials. | ||||||
| 12/30/2021 | Yes |
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| I was contacted by Venmo on XX/XX/21 that my acct had been " restricted '' or frozen for a security issue. I was told to send via link a pic of my DL and another of me holding my DL. This was sent twice before they acknowledged getting it. IN between that date and now, i have rec 'd many emails from Venmo support that various attempts at a password change and access from a " new device '' had been attempted. On XX/XX/21 i was told acct was frozen again. Again, i sent in pics verifying me so my acct could be unfrozen. On XX/XX/21, my acct was unfrozen per Venmo but before I could cancel the acct, an unauthorized charge was done w/ my acct on XX/XX/21 to a strange email AND i got mult emails saying my email to my acct ID had been changes as well as my phone number! I called to report that I didn't do any of this, but bc I could no longer verify my acct bc a hacker had changed my info, they wouldn't do anything. Venmo 's answer to this hack scam was to send my " helpful articles '' for my issue, which didn't even relate. So here I am, almost over 1 mth since this acct insecurity started, and still NO RESOLUTION. I want to close my acct immed, but venmo won't let me bc my verifying info doesn't match bc they allowed a HACKER to change it! They only contact you via email, you can not speak to anyone that can do anything and it's a constant email tag. Meanwhile, i feel violated and XXXX by this company. They have verified my acct via pics i have sent, but won't close my acct and I can not do it myself bc my login was hacked. My acct is exposed and Venmo will not do anything. I have sent many emails and done my part but they are refusing to close my acct, wanting me to do through App, but again I told them I can't even log in to my acct bc it was changed by hacker. Their " security '' is NON SECURITY. The crooks have access to our accts illegally, but the actual owners after verifying are blocked! I JUST WANT MY ACCT CANCELLED AND CLOSED BEFORE ANY MORE SENSITIVE INFO GETS IN THE WRONG HANDS. THEY WILL NOT HELP ME! I DON'T KNOW WHAT TO DO! PLEASE HELP ME PROTECT MY INFO AS VENMO CARES LESS. | ||||||
| 02/11/2021 | Yes |
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| XXXX Is the original claim number, the complaint was closed, stating that my bank charged back the amount. This was a temporary charge back until the claim was rectified by paypal. I showed documentation of the fraud that was being committed by paypal. It was by using my information as a guest login in order to pay for services that were not received. When i was redirected after paying paypal ( after amount confirmation ) it was re-routed to a donation. I dont know the person that the donation was given, i did not intend to donate anything. I showed documents of me paying for two XXXX XXXX XXXX it is within the original complaint which is stated above. My bank provided me with consumer finance since they can not help me since the payment was made through paypal. I have tried countless times to address this with paypal, but they consistently closed my case and are not actually looking at the documented evidence within my case. Similar to what you did ... i provided a confirmation amount for goods. I showed the fraudulent donation page that i was rerouted towards after being forced to pay as guest i showed the bank statement on XX/XX/21 that had yet another fraudulent name posting to the debit on my account. Paypal can not locate this because they provided separate names for each stage of this transaction. I contacted paypal the exact date of the order being placed and was advised that I HAD TO WAIT FOR THE AMOUNT to PROCESS AND POST to my account, despite having immediately notified them that i was re-routed to this donation page. Then i could not make a claim because it stated that donations are not eligible. I tried to explain the fraud, they even have a statement, and i sent in proof that i was attempting to pay for goods not make a donation. They brushed me off. Additionally, they told me i had to go through my bank ... .which is what i did, they refused to talk to each other, and sent my to consumer finance, where i have been yet again ignored, and case closed despite having supporting documentation entirely. If this is not resolved, i would like more information on consumer attorney. | ||||||
| 07/17/2020 | Yes |
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Web | Older American |
| I authorized the payment of {$300.00} to XXXX XXXX for a XXXX firewall to protect my computer, and had planned to make payments of {$100.00} per month up to the {$600.00} it cost for lifetime coverage, any computer. That was on XX/XX/2020. I talked with an XXXX ( it sounded like he was from XXXX ). I received an email XX/XX/XXXX that I could " upgrade '' my " subscription '' from 3 years to 6 years, if I wanted. I immediately called the phone number on the email and got an XXXX-sounding guy who told me that the email was wrong and he needed to change it. He needed to take over my computer again, so I let him. XXXX, I know now. He went to paypal and quickly changed some things, and just said, " just a minute '', when I asked him what he was doing. I didn't worry ; he sounded like the XXXX guy I had talked to, and when I asked him where XXXX XXXX was he said he was out on the floor. I believed him, unfortunately. He actually took a payment of XXXX $ and XXXX , and said they would cover the amount of {$300.00} dollars, which he would refund me. In short, he scammed me. I didn't know until XXXX XXXX from XXXX called me to ask what happened to the {$300.00} I had paid XXXX. To make a long story short, he showed me that I had been scammed by a guy named XXXX XXXX. This all happened on XX/XX/XXXX. XXXX XXXX went to paypal and tried to get their ( XXXX ) money back, but paypal said it wasn't authorized. Even though it had only been a couple of hours, Paypal had determined that I couldn't file a dispute about either the {$99.00} or the {$140.00}, or the {$300.00} dollars. They took the {$300.00} from XXXX, and won't give it back to me. I don't know what happened to the {$300.00} that I paid XXXX. It is impossible to reopen a disputed claim with Paypal when it's been closed. I feel that Paypal shouldn't have blocked me from getting any of my money back, and needs to explain what happened to the {$300.00} I paid XXXX. When I go to the website, it says it was an unauthorized transaction, and it's closed. I wasn't allowed any time to question or dispute anything. Paypal doesn't answer their phone now. | ||||||
| 07/06/2022 | Yes |
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| On XXXX, XXXX I purchased what was advertised as a **Brand New In Box** XXXX XXXX Programmable Thermidistat that was advertised on XXXX. It cost {$460.00} + {$10.00} shipping + {$39.00} tax for a total of {$520.00}. The merchant is XXXX XXXX, XXXX. The purchase was made using my XXXX XXXX XXXX via Paypal. When I received the item on XXXX XXXX, XXXX it was in a XXXX shipping box ( not the original box ) wrapped in bubble wrap, clearly was a used thermidistat and was missing a part. I immediately emailed XXXX XXXX asking him to address the issues. He offered to send me the missing part, refund me if I returned it or he had a different brand, brand new in the box. At this point I had no desire to continue to do business with a dishonest merchant so I elected to return it. Reluctantly, per his request on XXXX XXXX, XXXX ( I waited until after the XXXX rush ) I paid another {$8.00} to have the used item shipped back to him. The {$8.00} included a tracking number and up to {$50.00} insurance but the claim has to be filed within 120 days so that time has passed to even file a claim with XXXX. Now the tracking number has also be archived so it can no longer be tracked. I didn't take out any extra insurance because this purchase clearly falls under Paypal 's Consumer Protection Policy considering he advertised a new item and sent me a used item. Unfortunately, according to the XXXX tracking number it was never delivered to him. After waiting a reasonable amount of time for it to be delivered, I opened a dispute with Paypal. After getting the run arounds with Paypal ( they were waiting for the item to be delivered ) I had no choice but to open a dispute with XXXX on XXXX XXXX, XXXX to keep from having to pay the {$520.00} charge. I have had to reopen the dispute several times with XXXX because they keep resolving the case in the merchant 's favor and apparently Paypal responds back that it is a valid charge which is is NOT! Paypal will no longer talk to me about it since I opened a dispute with XXXX. The final dispute has been closed with XXXX and they are still siding with the dishonest merchant! | ||||||
| 12/05/2019 | Yes |
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Web | Older American |
| On XX/XX/XXXX ( Sunday evening ) I noticed several charges to XXXX when I logged into my PayPal account. Neither my wife nor I had ordered anything from that company, so I then looked back over all the charges for the last few months. I found 38 charges in XX/XX/XXXX. and XX/XX/XXXX. to either XXXX or XXXX XXXX ( 1 to XXXX ) that we had not made. I also found 2 other curious facts. 22 of the charges had been refunded, usually days later and not in the order they were charged. Some transactions had 2 or 3 pairs of debit/refunds with the exact amount ( ex. 3 pairs of {$22.00} ). Also, all the charges were made with our PayPal Debit Card, not the standard PayPal process which requires a password every time to initiate. The reason I had not noticed these transactions before is because I normally log into PayPal only to check my balance. Every normal PayPal transaction is followed by an email from PayPal to me indicating the transaction. Therefore, I look at the emails carefully to verify that I recognize every charge. Since opening this account in XX/XX/XXXX, I have never seen any anomalies. PayPal did not email me about any of these invalid 38 debits. Apparently, by default, they do not email Debit Card transactions, but I was not aware of that since we had only used the Debit Card a total of 8 times since receiving the card. The last usage was on XX/XX/XXXX. I don't like using debit cards and neither one of us has used it since. I immediately contacted PayPal and disputed these transactions. On XX/XX/XXXX ( Tuesday morning ) I received an email from PayPal rejecting 37 of the claims. They accepted the one from XXXX which was for XXXX cents. On XX/XX/XXXX in the afternoon ( about XXXX ), I talked with their Debit Card department and gave all of the above information to the service person who said the case would be reviewed. A few hours later the same day I received a second denial of the disputed transactions. In addition, they also sent me an email accusing me of violating PayPal 's policies and threatening to close my account. In effect, they were saying that I was trying to defraud them! | ||||||
| 09/24/2022 | Yes |
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| On XX/XX/XXXX I contacted VENMO, my debit card holder, to file a dispute after I noticed an unauthorized charge on my VENMO account ledger for a transaction reading : Date : XX/XX/XXXX XXXX XXXX Location : XXXX XXXX XXXX, XXXX Amount : {$17.00} Transaction ID : XXXX On XX/XX/XXXX, I received a response from VENMO concerning the dispute and stating that my dispute was DENIED. I immediately contacted VENMO to ascertain the reasoning for this decision and to appeal the decision. The reason for the denial was After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. I did not understand this reasonings error has not occurred meaning. I was told that they could reopen the appeal if I could provide evidence, which also I could not understand what evidence would exist to provide if I had not been present during the transaction, know who did it, etc. I explained this to the rep and they said theyd resubmit the dispute on appeal. After 3 business days, I checked back for an appeal update and the VENMO rep informed me that I was again denied. They again told me that they could resubmit the dispute/appeal if I had any evidence to support my claim. I once again asked what possible evidence could I have for an unauthorized transaction. They told me to contact the party responsible for handling these disputes more directly and gave me an email address to use to do so. Ive written the address 2 times in 2 weeks and havent received even a single response from them, not even an acknowledgment that they were aware of my dispute/appeal. Yesterday ( XX/XX/XXXX ), I contacted VENMO support through their chat feature and explained I have not heard from anyone regarding the dispute or my appeal. The representative looked up my information and proceeded to state that she could resubmit the dispute if I could provide evidence of the dispute. I knew then that I was out of options trying to get VENMO to honor the ZERO LIABILITY CLAUSE of my card holder/account agreement and am now being forced to contact the CFPB to geXXXX involved. | ||||||
| 07/25/2020 | Yes |
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| On XX/XX/2019 I ordered a product as advertised online through a seller using PayPal as the service to transact through. I captured the screenshots of the product ordered. The seller delivered something entirely different than the product I ordered. I opened a dispute with PayPal. I also contacted my Credit Card Company, XXXX XXXX XXXX to alert them. I spent months going back and forth between the 2 companies. Finally, XXXX XXXX XXXX stated it would have to be resolved by PayPal as that's where the transaction originated. I also tried to contact the seller in order for him to send me the correct item. He refused stating what he sent was accurate which is totally false. I am including the email communication between myself and the seller. I reported it all to PayPal providing the email history between me and the seller actually proving what was sent was NOT what I ordered. PayPal is claiming they can not issue a refund to me because it is beyond 180 days and that I need to resolve through XXXX XXXX XXXX. XXXX XXXX XXXX states I need to resolve through PayPal which I agree with as the seller clearly falsely advertised a product for sale. I would NEVER have purchase what was sent, ever. And I explained this to PayPal over and over again. Additionally I kept communicating with PayPal through their online messaging system to insure my dispute stayed open but they closed it anyway. I feel it is worth mentioning that 100 's if not 1000 's of PayPal customers are or have experienced the same issue with them. PayPal 's XXXX page is overloaded with upset customers posting complaints because they can not get the issues they are having resolved by PayPal. PayPal polices the XXXX page quickly blocking and deleting these complaints calling them " repetitive '' post when in all honesty its hard working people who only want PayPal to resolve their issue. I also have screenshots of PayPal warning me they would delete my posts and block me, which they have done. People need to be made aware of PayPal 's BAD business practices so they can stay far away from them. We need your help in exposing this. | ||||||
| 11/30/2017 | Yes |
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| I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. . | ||||||
| 08/25/2016 | Yes |
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| On XXXX XXXX, XXXX, PayPal sent me a notice referencing Case ID XXXX and indicating that access to my PayPal account ( XXXXXXXXXXXX XXXX " has been limited '' until PayPal " hears back from [ me ] '' in regards to a PayPal account registered to XXXXXXXXXXXX that posts a negative balance of {$710.00} dating back to XXXX. I immediately called the PayPal collections department at the number provided XXXX XXXX ) to address the issue : I spoke with XXXX for more about thirteen ( 13 ) minutes and was instructed as follows : 1. The {$710.00} balance dates back to XX/XX/XXXX and reflects a reimbursement of unauthorized charges on my account that PayPal made to me, in anticipation of an eventual reimbursement by my bank in Pennsylvania ( which was investigating the charges ). 2. A restriction has been placed on my current account ( i.e. I am unable to make any withdrawals ) until the {$710.00} balance is paid. Furthermore, PayPal threatened, in writing, to " use funds from any linked account to pay for any negative balance [ I ] may have. '' 3. PayPal promised to send me a " letter of debt validation '' in short order, but declined to provide details of the transactions in question ( in violation of 15 USC 1692 ( g ) Sec. 809 ( b ) of the FDCPA - as discussed infra ). The limitations Paypal has placed on my current PayPal account are illegal, constitute harassment and are actionable in a court of law for the following reasons : 1. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. 42 Pa. C.S. 5525 ( a ). Besides the fact that PayPal is unable to provide me with documentation of the transactions in question, the debt in question is well past the statute of limitations. 2. The Fair Debt Collection Practices Act ( 'FDCPA ' ) prohibits " abusive, deceptive, and unfair debt collection practices by many debt collectors, '' 15 U.S.C. 1692 ( a ), and any debt collector who is found in violation of the FDCPA is liable for actual damages & statutory damages not exceeding {$1000.00}. 15 U.S.C. 1692 ( k ) ( a ) ( 2 ) ( A ). | ||||||
| 07/31/2023 | Yes |
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| Dear PayPal Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account XXXX. I believe that this limitation is a result of a mistake and would like to bring the following points to your attention : Mistaken Limitation : I strongly believe that my account was mistakenly limited. I have been a loyal and responsible PayPal user for several years, and I have never engaged in any activity that violates PayPal 's policies. It is disheartening to find my account limited without a clear explanation or proper investigation. Compliance with PayPal Policies : Throughout my usage of PayPal, I have always ensured strict compliance with your platform 's policies and guidelines. I have never been involved in any fraudulent or unauthorized transactions, and I always strive to maintain the highest standards of integrity in all my PayPal transactions. Request for Re-investigation : I kindly request PayPal to conduct a thorough re-investigation of my account 's activity. I believe that upon closer examination, you will find no violations or irregularities associated with my account. I am confident that this re-evaluation will demonstrate my adherence to all PayPal policies and restore my account to its fully functional status. I understand that PayPal has a duty to protect its users and maintain a secure platform. However, it is equally important to ensure that actions taken are based on accurate information and justifiable grounds. I am kindly requesting a prompt review of my case, as I heavily rely on my PayPal account for various personal and professional transactions. Restoring my account would allow me to continue utilizing PayPal 's services efficiently and securely. I sincerely appreciate your attention to this matter and your commitment to resolving account issues fairly. Please feel free to reach out to me if any additional information is required for the investigation. Thank you for considering my appeal. I eagerly await a positive resolution to this matter and the reinstatement of my PayPal account. Sincerely, XXXX XXXX | ||||||
| 09/23/2021 | Yes |
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Web | Older American |
| On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse. | ||||||
| 09/10/2015 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both. | ||||||
| 01/18/2023 | Yes |
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| Hello, XX/XX/22 Unauthorized charge made to my card for {$100.00} to XXXX 's. XX/XX/22 Unauthorized charge made to my card for {$20.00} to XXXX XXXX. On or around XX/XX/22 I disputed these charges IMMEDIATELY upon learning of them being charge to my account. On or around XX/XX/22 Venmo replied and denied my dispute. They said they reviewed my account and no error occurred. I reviewed my debit card agreement between Venmo and I and it says : Rule XXXX Under XXXX Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to Venmo when you knew that your Card was lost or stolen. Again in Rule 16.1 Protection for Unauthorized Transactions and Other Errors. When an unauthorized transaction or other error occurs in the Venmo Account, including unauthorized transactions that occur because the Card has been lost or stolen, Venmo will cover you for the full amount of every eligible unauthorized transaction or other error as long as you follow the procedures discussed in Section XXXX ( Notification Requirements ) or the Venmo User Agreement, as appropriate ( the Protection Policy ). I followed policy in reporting the charges when I learned about them, as well as I have not allowed anyone access to my card or PIN number. The charged were made by someone pretending to be me and submitting my card for payment on my behalf without my knowledge. Furthermore, I have attempted to appeal the decision to deny my dispute, and Venmo has made it impossible for me to appeal this decision. Therefore, making me liable for the unauthorized charges when it clearly states in the agreement between us that I would not be held liable and that Venmo would cover me for the charges. Therefore, this is not a satisfactory decision to deny, and they are not standing by their own policies. I feel a class action should be filed against them as well for this, as they have denied unauthorized charge disputes before as well when unauthorized charges were made that I disputed in a timely manner. | ||||||
| 08/09/2023 | Yes |
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| InXX/XX/2023 I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/ and the items were successfully shipped back to the merchant. The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( XXXX XXXX ). XXXX XXXXXXXX XXXX, the dispute was CLOSED on XX/XX/. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT ( XXXXXXXX XXXX ) **THREE TIMES** yet the case remained OPENED and UNRESOLVED. I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT XXXX XXXX XXXX ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. PAYPAL and PAYPAL CREDIT ( XXXX XXXX ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls! I DO NOT HAVE ANY OF THE ITEMS I PURCHASED AND THE COMPANY HAS YET TO PROVIDE ME WITH A REFUND. This case is STILL open and the PayPal Inc system has NOT been updated. | ||||||
| 12/29/2020 | Yes |
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| How is case XXXX closed? It also says I filed a chargeback and was ruled in my favor. None of this case out come it true. I sent documents of the outcome of the dispute. I'm wondering either if you can't read or didnt view the documents. Im personally aggravated with your responses as if you purposely answer in an uneducated manner to make it complicated. Can you please stay focused? On XX/XX/XXXX you received payment returned to you for the amount of {$5000.00} that was to be returned to* XXXX , ( transaction ID XXXX ). Merchant XXXX XXXX has yet to receive these funds. I have enclosed the outcome of the case more than once to you. I have also supplied you with documents that you received returned funds from XXXX XXXX in the amount of {$5000.00} to satisfy the funds held in XXXX XXXX account. Today XX/XX/XXXX I did not receive a notification that the case was closed which I find odd. But it is showing that you closed the chargeback case stating it ruled in my favor. Where do you get this? That is highly the case. I have a document from XX/XX/XXXX regarding the case that the funds of {$5000.00} were returned XX/XX/XXXX per merchants response to the chargeback case. If you look at my XXXX bank statement from XXXX XXXX it shows that the funds from XX/XX/XXXX were rebilled back to you in the amount of {$5000.00}. It is listed as XX/XX/XXXX on the bill followed by another transaction purchase XX/XX/XXXX. This is proof of payment returned per chargeback dispute to you PayPal. Please do not overlook my documents which contain proof of your wrongful case closing. Please refer to XXXX XXXX document dated XX/XX/2020 XXXX paragraph where it states XXXX XXXX does not reach out to third parties such as you PayPal discussing case details. Please note case details will not be shared with you due to security and privacy concerns. I would like to know how you closed this case? It is completely invalid. Where are you getting your information? If escalated legally you will need educated answers to this this information you claim. My supporting documents show you are lying and stealing money. | ||||||
| 10/24/2020 | Yes |
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| On XX/XX/2020 I submitted this : I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban. I received a reply from the company stating, " As stated in the Restricted Activities & Holds section of the User Agreement, your remaining Account balance will be held for up to 180 days. We will make any remaining funds, less reversals or other applicable debits, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. Due to the global concerns over COVID-19, we have implemented limited staffing of PayPal Customer Support for safety precautions. We apologize for this experience but can assure you we are still committed to providing world class customer service and can be reached via email and chat. Alternatively, you can use the self-service options found on your Account. '' I was lied to by the company. On XX/XX/2020, the company illegally withdrew my entire balance and said it was a payment for " PayPal 's damages caused by Acceptable Use Policy violation ''. This is ridiculous. I need my money now. I was blatantly lied to by the company and I am frustrated. | ||||||
| 06/10/2020 | Yes |
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| I contacted paypal on multiple occasions to file a claim against a seller who is registered with them to receive payments in exchange for services sold online. I placed an order with an authorized Paypal seller, XXXX on XX/XX/XXXX. The transaction payment was processed through Paypal on that date. On XX/XX/XXXX, Paypal sent me an email to notify me that the seller provided XXXX tracking details. When I viewed the XXXX tracking details they indicated that the package was delivered on XX/XX/XXXX. The XXXX tracking portal only confirms delivery to the city, state and zip code. XXXX does not provide complete delivery information such as address and recipient name via the online tracking number portal. I did not receive this package. After receiving no response from the seller XXXX, I contacted Paypal, as they provided the tracking details. I notified Paypal that I never received the package. Further I notified them that I had contacted XXXX to confirm that the recipient and sender details associated with the tracking number do not match my information ( as the receipient ) or the seller XXXX ( as the sender ). This information is available to XXXX employees, but not via the online tracking portal. I expressed my concerns that the seller provided a stolen tracking number with the intention to make it seem as though they sent a product to me that they did not ship. Paypal will not further investigate my claim on the basis that a tracking number was provided that confirms delivery to my city, state and zip code. I asked Paypal to verify with XXXX that the full recipient details do not match mine, so that they could recover the funds that they paid to this seller and they are refusing to do so. I am escalating this complaint to your agency because this is a growing scam that is affecting many Paypal customers and they are not willing to do more to investigate the claims of customers in order to resolve these instances of fraud. The transaction details are as follows ; Customer Transaction ID : XXXX Seller name : XXXX Seller Web address : XXXX XXXX Date : XX/XX/XXXX XXXX Tracking ID : XXXX | ||||||
| 01/14/2022 | Yes |
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| On XX/XX/2022, at XXXX PM I received a text with a security code. I did not request this security code and it expired in 10 minutes. On XX/XX/2022, I received the following email : XXXX XXXX - Your XXXX account statement is available. View Online PayPal Your XXXX account statement is available. Hi XXXX XXXX, Access your account statements quickly and easily. Log in to your account and select the monthly statement you'd like to view. View Statement Forgot your email or password? Recover them here Explore the new PayPal App Learn more XXXX XXXX XXXX Download on the XXXX XXXX Get it on XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXXXXXX XXXX XXXXXXXX are trademarks of XXXX XXXX XXXX XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., XXXX XXXX XXXX, License # XXXX, Massachusetts XXXX XXXX XXXX. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. XXXX XXXX Licensed Money Transferor . PAYPAL , INCXXXX XXXX XXXX XXXX, LICENSE XXXX XXXXXXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money TransmissionXXXX XXXX # XXXX, License Number MTXXXX. Copyright XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX I do have not used PayPal in several years. I forwarded the above email to PayPayl to alert them of this issue. My SSN was compromised approximately one month ago. I filed 3 reports with FTC regarding the fact I had been scammed and SSN was compromised. | ||||||
| 06/26/2020 | Yes |
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| I am writing to express my dissatisfaction with PayPal & PayPal Credit over four unique dispute cases & processes. Amid COVID 19, the companies support and return/refund policies has been nothing short of unfair to consumers.. I would argue the online support with PayPal has been subpar for the industry, it being deceptive as it's 1. Hard to find the tool in order to dispute a charge and the rules, feel very unbalanced. Merchants have 30-60 days to reply, yet consumers have 3 days to comply or it will be denied. ave spent hours on the phone and in communication with PayPal in an attempt to resolve multiple issues. XXXX This item has been clearly documented as returned and refunded by the seller. I have spent numerous hours between PayPal and PayPal Credit to resolve. I have since been recharged and refunded several times, yet, still am owed a credit of XXXX. I am filing a claim with the CFPB if this is not resolved by the end of the month, as this is clearly a merchant issue, yet, PayPal operational support is non-existent. This case has been open now for nearly 90 days. XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . XXXX Full Item not received. In this case, documented on the PayPal resolution center, the SELLER clearly noted they would send the item to complete order, the case closed, the seller has since not fulfilled their obligation, for some reason, the case has been closed and is not able to be reopened. I have been declined in each case, after calling, filing all required paperwork and emailing the CEO, as they state 'the merchant has provided documentation the charge is valid '. So somehow, the documentation I am providing from the same merchant is not valid? I feel in each of these cases, PayPal is acting in a deceptive and unfair practice, where the consumer is at risk of unwarranted financial loss. I am seeking assistance. This is a basic merchant service which should be complied with by the company. -XXXX | ||||||
| 05/14/2020 | Yes |
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| I attempted to purchase a XXXX for my daughter on what I thought was the actual XXXX website. I completed the purchase using my PayPal account, as I believed that was the safest way to complete any online purchase. After completing the purchase I went to my email noticed the PayPal receipt showed a non-verified XXXX account as the seller, and immediately logged into my PayPal account. The seller was from out of the country, and was showing a name I had no idea who they were. I checked my inbox and had no receipts from a purchase other than from PayPal. I went back to the site and realized it was XXXX.XXXX NOT XXXX.XXXX which is the verified and true XXXX company site. The fraudulent site looks just like the real site. I have never had an issue with a purchase before, or had to fight anything on PayPal before so had to look up what to do within their help instructions. I immediately disputed the purchase, and had to wait to see what PayPal would do. I put in the information based on what I knew to be true, and waited. They replied over night, and the next morning I discovered they said I had no claim to dispute and were closing the case. Based on the fact the seller had immediately completed the sale and taken my funds, my only recourse was to email this person and request a refund. I had done that the night before, but did it again that morning as well. I still have not received a reply from this seller. I have tried to contact PayPal via phone, but they are not taking calls due to Covid. I tried chat, but it is a Bot, and it prompts me to do a dispute, then tells me I can not as I already have done one and it is closed. I was forced to contact my bank and they are going to try and dispute it for me, as the money was pulled from the already. This transaction was placed on XX/XX/2020 through PayPal Transaction ID : XXXX for {$130.00}, Dispute Case # XXXX I do not know what else to do. This site did not provide me with information for a sale, they should not be taking PayPal for purchases, they are not verified, they are fraudulent, and I did not have PayPal support to assist. | ||||||
| 10/23/2023 | Yes |
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| I hosted a retirement dinner a few weeks ago and colleagues sent me money via Venmo to help cover the cost. I tried to add a bank account to transfer the money into & Venmo couldn't connect to that account. So, I added my other checking account and Venmo validated that one electronically. On XX/XX/XXXX, I received an email from Venmo saying that my bank account was verified. It also said " You can now transfer money to this bank account ''. And yet the website says that my account has been suspended and I can't access my funds. Now, I'm being told that my account is suspended and that to access my funds, I have to send them a photocopy of my driver 's license and a copy of a statement from the first bank account. So, basically all the info someone might need to steal an identity. It's one thing to use an automated process to verify a bank account. It's quite another to send someone a picture of your driver 's license. I called them and was told that they don't require this of every user, so if they're asking it of me it is for a security concern. And yet they can't tell me what the exact security concern is. Oh, and the department that deals with security and fraud will only communicate via email. And you never correspond with the same person twice, so there is no chance of having a real conversation. All you get are copied and pasted responses. Also - the website says that I should check my email for more information regarding the account suspension. The lady I spoke with said the same thing. But I never received an email from Venmo telling me the account was suspended. I didn't get any communication from them at all until I reached out. ( And, yes, I checked my spam folder. ) They told me in writing that I had a verified bank account that I could transfer funds in to and now they won't let me access those funds. And they are asking for extremely sensitive personal information. I noticed that Paypal ( who owns Venmo ) settled a lawsuit with them in XXXX due to privacy violations and lack of transparency with their users. Guess that lawsuit didn't teach Venmo anything. | ||||||
| 09/09/2018 | Yes |
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Web | Servicemember |
| I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. That was 6 days ago. BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. I still haven't been able to get money out of the account for purchases. I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses. | ||||||
| 12/21/2015 | Yes |
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| I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe. | ||||||
| 04/06/2015 | Yes |
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| I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation. | ||||||
| 11/18/2023 | Yes |
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| I found a bicycle seller online and negotiated a price for a used bicycle and it's shipping to my residence. Seller suggested we use PayPal, instead of XXXX. I transacted the agreed amount with the seller ( I paid the " seller '' for the bicycle and it's packing/shipping separately ) through 2 PayPal transactions on XX/XX/2023, and XX/XX/2023. Seller never shipped the bicycle to me- they communicated frequently, suggesting different reasons for why they had not shipped the bicycle each time, and extending the date they said they would ship. I filed disputes for the 2 transactions with PayPal, asking for my money back ( both disputes filed on XX/XX/2023 ). PayPal reached out to the " seller '', who responded to PayPal and shared a XXXX tracking number as evidence they had shipped something. PayPal closed the dispute, in the seller 's favor, and had transferred funds to the " seller '' on XX/XX/XXXX and XX/XX/XXXX respectively. The XXXX tracking number shows delivery to somewhere in my city ( but it does not show a full address ) on XX/XX/2023. Meanwhile, the " seller '' sent me messages on XX/XX/XXXX that they had not shipped the bicycle. PayPal closed their investigation and are now asking me to file a dispute with XXXX ( who won't even share with me the destination address of the package ). This has resulted in me losing USD XXXX. XXXX has asked me to provide a " XXXX intranet form '' as evidence that I have filed an investigation with them. XXXX does not recognize such a form. I asked PayPal to join me in a 3-way call with XXXX, to hear from XXXX directly that the package was not delivered to my residence ( XXXX agent offered to do this for me ). However, PayPal agent won't support this request either. This serves to illustrate how PayPal is aiding and condoning online fraud while making money through transaction fees and absolving themselves of any losses from fraudulent transactions. On PayPal 's own website, several users have reported similar situation and advised PayPal that XXXX does not have an " intranet form ''. So, mine is not an isolated experience either | ||||||
| 12/30/2019 | Yes |
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| I am experiencing continuing service problems with PayPal. Problem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to " contact Customer Service ''. " Customer Service '' is an offshore operation comprising of automated " Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these " Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a " try again later '' message. Agent replied " I see this action is being stopped by our internal security system '' and offered to " run verification '' by " texting my main mobile number on file ''. I DO NOT have a " main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can " text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about " profanity ''. I don't want to hear complaints from sensitive " Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. " There is a problem adding money from your bank account, please contact us ''. Again, the " Agent ''. Agent sent me a broken link, advised me to " try different browser '' and " wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said " our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years. | ||||||
| 06/12/2022 | Yes |
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| This about Paypal, i was sent a email that XX/XX/2022 from them that i can no longer do business with Paypal because of a violation of paypal acceptable use policy. I called them immediately and the person on the phone could not tell me why but i can not use the service. I told them you should be able to tell me and at this point i had no idea what happen. Then i get a 2nd email on XXXX XXXX that the services are limited temporary so i called again and really could not get any where. On XX/XX/XXXX i get a email of a open case because of a delay in my response to a buyer. Finally, they started saying i have a businss and selling stuff. I told them I have never owned a businsess and do not sell anything on paypal. Somebody was requesting a {$6.00} refund for something i have no idea what it was for. I told paypal that is fruad, but they do not listen or pay attention. They started sending me emails to restore my account so they wanted me to give them a temp username and password for my business and remove paypal from the site. I do not have a temp user name or password to give, cause i dont have a business. i am frustrued and angry that NO one will listen to me. I told them if some one is requesting money from me or a service prroduct that is FRAUD. So to help this ther operson that is doing FRAUD they refurnd their {$6.00}. I did tell Paypay that on XXXX XXXX that i purchsed a movie service with XXXX and I used my payplay account to pay, I inadversly submitted the payment twice because I thougth it did not go thru. That money has been refunded to my paypal balance but they will not let me get it. I asked could this be maybe the reason by account is limited but they NEVER could help at all. I keep getting a email to restore account and I keep giving the same info and nothing ever happens. I need my paypal account restored and my refund to, There are several XXXX transactions that i have no idea what that is far. No one knows anything, I did speak to a person about 2 weeks ago that was all eager to help and i did what they said and nothing happen. {$14.00} refund is for me | ||||||
| 06/19/2021 | Yes |
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| I posted a graded sport card lot on XXXX on Wednesday, XX/XX/2021, and XXXX happened to messaged me about the cards. He said that if the cards were still available and I said yes. After that, he wanted me to text him through his phone number so he can negotiate a deal for me. First, XXXX was asking me what's my final asking price for the trading cards, and I said {$500.00}. Keep in mind that the trading cards that I sold to him were worth {$200.00} total. So, XXXX " agreed '' to do {$500.00}. However, I received this email from XXXX and they showed me the confirmation of XXXX sending me {$500.00} plus {$50.00} for the shipping so I can send the trading cards to him. I assumed that the email was from PayPal because it had a PayPal logo and they formatted the receipt on the email just like PayPal. The next day, I went to a XXXX store to ship out the trading cards and XXXX wanted me to ship it out Next Day Air. The shipping cost me {$58.00} and I gave XXXX the tracking number of the package because he wanted me to give him that as well. The next day, the email, XXXX, told me that if the funds of {$550.00} were to be transferred to my PayPal account, I have to sent pictures of me buying {$500.00} worth of XXXX cards. I did that and then I received another email from them saying that " apparently, the buyer sent another {$500.00} by mistake, so in order to get my funds, I have to sent pictures of me buying another {$500.00} worth of XXXX cards. And now, the package is already sent to him, so I can't get back the trading cards and my money back on the shipping. I also lost another {$500.00} because I bought XXXX gift cards with them, and I can not return them to the store that I bought it from because all sales are final. I also can't use the XXXX gift cards myself because I tried to test it out buying an item on XXXX in case XXXX may have used all of the money on those gift cards, and it turns out there is no money left on the cards. I am really mad and frustrated about this situation, so if you guys can help me out, that would be great. In total, I lost {$750.00} from XXXX. | ||||||
| 03/30/2020 | Yes |
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| The origin of this paypal account was the result of a refund from a XXXX gift card that could not be redeemed online. The company indicated that Paypal was the only way I could be refunded, so I opened a paypal account. Now to the issue at hand, on XX/XX/2020 at XXXX I received an email from Paypal informing me of unusual activity on my account coming out of XXXX XXXX , CA . I knew the transaction was unauthorized, because i had not authorized or requested payment from the paypal account. Upon further review, I realized that XXXX RUB to a foreign name ( I can't even spell using this keyboard ). The email address associated with the transaction was XXXX The total amount exhausted the account of the XXXX dollars that was in there and I was charged XXXX dollar for the transaction. I attempted to contact paypal by phone, however due to COVD -19 crisis there were no live operators to help. They instructed me to log into my account. However, I could not log in to my account due to an added authenticator code which I have no idea what it is and there absolutely no way around it without live support. So, I figured I out that I could request a claim for the unauthorized payment by phone. The first claim number was XXXX. I received a standard acknowledgement by email stating they would look into the claim and notify me within 9 days. i received a denial with the following reason " We found this transaction is consistent with your paypal history. '' My question is, What history? i never purchased anything with this paypal account and it was only opened for a refund. I sent a reply to explain further, but I still only got an automatic response to login to dispute or mail in to request documents. So, I made another claim via phone with the number of XXXX. This time I was denied because they were " unable to the locate the transaction. '' Would you please assist me in having my XXXX dollars refunded. I had not made any online purchases on or before that date using a paypal account that I can't even access. Just for the record, I live in XXXX, IL. Thank you, XXXX XXXX XXXX | ||||||
| 01/12/2018 | Yes |
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| On XX/XX/2018 I sold 8 items on XXXX. Paypal who processes my payments for a fee held 4 out of the 8 payments. The released payments totaled 150 the held was 303. I called 4 days straight to get info about the holds. They gave me every excuse under the sun. I dont have any marks on my account and asked for a supervisor 4 times only to be put on holdlonger than 1hour. They have a policy that makes the bussiness trasactions seem shady and that is to get your funds sooner you have to mark the item that you sell mark it shipped and in 7 days they will release the funds. I charge shipping charges to ship the item to the customer and not shipping the item for 7 days and marking it shipped looks like i am scamming the customer. The second way is that you get the customer to give you a good review on your XXXX page and they will automatically release the funds immediately. I charge shipping because most the time i dont have the money to ship the product. Also when they hold funds they say its proprietary info why they do it and they cant tell us how we can prevent being put to where our funds arent held. Futher more if i have the money to ship items we have to ship them without payment and wait until confimed delivery has been done and the. 3 days after that is when our funds will be available ( sometimes ). I have had to call in to get them released. Anothe thing under acount they get there fees immediatly when the item is paid for. Another thing in there website under accounts if you click on a pending payment it comes up item will be refunded meaning i think they are treating the payment as a sell somehow to keep from gettjng in trouble with the government, when ever its time to release the funds they give us the funds but mark it a refund. So i think they are a shady crocked company. Oh and i had 3 more sales 2 on XX/XX/XXXX and 1 on XX/XX/XXXX and all three of those were put on hold. When you sell stuff and dont get the money for it for 21 days ( thats the normal hold uf you dont jump thru hoops they want u too. ) how can anybody function without money ie : ship, live ... | ||||||
| 11/17/2016 | Yes |
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Web | Older American |
| This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts. | ||||||
| 07/03/2020 | Yes |
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| On XX/XX/XXXX I checked into the XXXX XXXX & XXXX in XXXX XXXX for a 3 night stay. A $ XXXX/day hold totaling {$150.00} was held for a deposit which i used my paypal cash card to put the deposit on. I checked out on the XXXX which at that point XXXX released my deposit & gave me the final total minus the {$150.00} hold. On the XXXX of XXXX I went to the front desk & asked if they could give me a copy of the transaction & fax the release on their part 2 paypal cuz that's what PayPal was asking for so the XXXX XXXX did just that with the XXXX letterhead along with the fax confirmation with the cover sheet which I have a copy of as well showing the fax was a success. Was told that once they received the fax that funds would be released within 24-48 hrs which I have yet to see. The fax was sent on the XXXX of XXXX so I contacted them today by way of text per instructed by customer support becuz their phone system was down due to virus so i contacted them about my {$150.00} deposit. They kept telling me that a fax had to be sent by the merchant ( XXXX XXXX ) on their letterhead which had already been sent stating that they had charged what they charged me for my stay & that the deposit amount needed 2 be released back to me. As I'm trying to explain to them about this issue I kept getting told I was being connected to somebody totally different who would tell me the same exact thing about how the fax needed to be sent by the merchant. I have the confirmation sheet that shows it went thru to them & I want my money back that they owe me. They just keep giving me the runaround. Which I have another {$150.00} deposit that is due back 2 me when I checked out on XX/XX/XXXX from another 3 night stay which I'm sure will be the same way with them acting like they don't have anything from XXXX XXXX. In a 30 min or so conversation i was connected with 5-6 different people over the same issue which i had to keep explaining the same thing. I have all the text messages between me & the 5-6+ people I was transferred to & the fax document from the Hotel if you need those at a later time. | ||||||
| 11/20/2015 | Yes |
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Web | Older American |
| On XXXX XXXX I attempted to use PayPal to transfer money to another PayPal ccount as I have done many times in the past. The website has been updated and rather than the usual transfer, PayPal interpreted my request as a request for an e-check issued on my bank rather than transfer from my PayPal account. There were insufficient funds in my account to cover an e-check because I had transferred the money to my PayPal account. My bank charged me {$30.00} for the insufficient funds transaction. I contacted PayPal through their dispute resolution process explaining the problem and asked them to cancel the E-check. Today XXXX XXXX XXXX ), I received a second notification that my bank had charged me a further {$30.00} as PayPal had made a second attempt to withdraw funds from my account. I also attempted to contact PayPal through numerous telephone numbers they provided for customer service ( Including the XXXX PayPal provided in their email response to my disput request ). All of these numbers answered with the message " You have reached a non-working number ''. i also made a second attempt to transfer money between PayPal accounts. The transaction was sucessful, but failed to display a confirmation page to review the details of my transaction before confirming it. the transaction just went through without the intermediate page. There seem to be several problems with this experience .... 1 The PayPal website apparently misinterpreted the payment type I requested, initially costing me a {$30.00} penalty from my bank. 2 PayPal acepts no responsibility for potential problems in their new website. 3 PayPal provides no real-time human help for customer problems or disputes but provides several non-working telephone numbers giving the impression that they provide such a service ( e.g. XXXX XXXX XXXX ). 4 PayPal ignored my request to cancel the erroneous transaction and incurred a second {$30.00} penalty for me by ignoring that request and submitting the payment request to my bank a second time. They also do not provide a feature on their website to cancel the transaction. | ||||||
| 12/31/2019 | Yes |
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| PayPal was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. PayPal was used as Venmo or XXXX. I wanted to borrow {$260.00} credit from PayPal to deposit in my XXXX checking account. Unfortunately I did not realize I had it set up for PayPal to pull from my checking account and then deposit the money into my account. I realized it I had made the mistake within seconds. I called PayPal to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay PayPal and charge me, the investigation would take 10 days. I did not get charged for it. My PayPal was negative {$260.00} from the canceled transaction. I called to ask PayPal how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. My mother had a PayPal account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off PayPal upfront. The {$260.00} was an erroneous charge and needs to be rescinded. If it was ever a valid charge it shouldve been under my name, not my mothers. Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read PayPal has validated the debt. That was not verification. I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit. | ||||||
| 07/04/2021 | Yes |
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| XX/XX/2021 XXXX XXXX XXXX XXXX - {$1000.00} XX/XX/2021 XXXX XXXX XXXX XXXX - {$3900.00} Ok this is where it started. These two people obtained my phone while I was sleeping and they pursued to send themselves money from my venmo balance so I disputed these charges in a few days later venmo found the dispute in my favor and resolved it and gave me back my money and then they asked me to verify my account at this present time I had not had a updated ID my ID was still expired from the covid experience that we all just had and I had not yet obtained a new one so I had submitted my original documents that I had opened the account with and they had told me that they were outdated expired and they couldn't accept them and then they put a hold on my account shortly after that I had went and gotten me a Texas driver 's license and I submitted them that documentation and they still insisted on rejecting that and not giving me any good reason why they just kept asking me to reverify reverify reverify and it seems like every other time I emailed them or they emailed me it was a different account specialist or somebody and support but it was never the same person more than three times ever in our entire correspondence I even had an executive from the escalations department contact me from XXXX telling me to resubmit my info and that he was going to look into my account that was almost 3 weeks ago and I've never heard from him again. I've called several times and I always get the same answer that there is nobody there to talk to that can unfreeze my account that it's all done through email and if there is no other possible way to talk to anybody besides the support team that they hired out third party So to say the least my phones have been shut off I am currently borrowing somebody's phone to even report this to it's been over a month since I paid my rent or any of my bills because I work for myself and it takes money to make money and when venmo wraps up all your money and won't let you have it you're not allowed to make money or pay your bills I'm. currently being evicted | ||||||
| 03/08/2021 | Yes |
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| XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved. To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage. | ||||||
| 08/13/2023 | Yes |
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| Dear PayPal Support Team, I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding an issue that has recently come to my attention. I have always valued my association with PayPal and the convenience it offers for my financial transactions. However, I regret to inform you that my experience has taken an alarming turn. I have recently been informed by your customer support team that an unauthorized PayPal registration has been completed using my personal information. This revelation is not only distressing but also deeply unsettling, as I have had no involvement whatsoever in this registration process. I must emphasize that I have no knowledge of these unknown PayPal accounts, and their creation has been done without my consent or knowledge. At this juncture, I kindly implore your assistance and expertise in thoroughly investigating this matter. It is of utmost importance to me that the truth be revealed and the responsible party behind these unauthorized registrations be identified. I am steadfast in my belief that a comprehensive inquiry will vindicate my innocence in this situation. I beseech your support in restoring the integrity of my PayPal account, which has been compromised due to this unfortunate incident. To validate my identity and substantiate my claims, I have attached a copy of my State Photo ID with this email. I trust that this document will serve as concrete evidence of my identity and underscore my commitment to resolving this matter diligently. Moreover, I am more than willing to provide any additional information or documents necessary to facilitate a swift and effective resolution. I understand that PayPal is committed to upholding the security and trust of its users, and I am confident that your team will handle this issue with the utmost professionalism and care. I appreciate your prompt attention to this matter and anticipate a positive and expedient resolution. Thank you for your understanding, assistance, and continued dedication to ensuring a safe and secure platform for all users. | ||||||
| 08/05/2021 | Yes |
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| PAYPAL Scam company from XXXX was trying to still money from me and they said that they were from XXXX reviews and I was selected to participate on XXXX review programs at that point I didn't know that it was an scam company I believe them that they were from XXXX and they said that they were going to deposit money on my paypal account so I can try the product and write ONLY a good review. Start feeling that something was off and I ask them to cancel, they said that they couldn't and I told them that I was going to report the to XXXX they asked me to not do that ( I have the emails as proof ) they apologize and they told me that I don't have to send the product or money back ( I have proof of that as well ) months after the scam company subbmited a dispute against me about the {$30.00} to PayPal. I spoke with a representative ( 3 of them ) all of the reps seems to not knowing what their doing and they just throw the ball between each other giving any kind of different information. Finally after 2.5 hours on the phone trying that they helped me I talked to a supervisor. She requested information from me she ends up telling that that company was not scaming only me but also other people and she even gave me a gift card of {$30.00} ( Paypal Supervisor ) she said to make it up for the time that I wasted and the dispute was soved and close. 3 months after received a collection letter from paypal for the same dispute, someone didn't do their job there and not updated the system, they locked my paypal account and the customer service rep said that they can't do anything only collection nobody was able to solve they want me to pay something that I don't owe and it was " solved ''. I really think that PayPal needs to train their reps before that they even talk to people and the reps use same information and not each of them give wrong and different info. After wasted more time and talked to more people nothing was resolved and the only thing the reps suggested was follow another dispute ( same thing I did before and provided them with proofs on time ) or pay the balance. | ||||||
| 12/19/2019 | Yes |
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| On XX/XX/XXXX I sold an item on XXXX for the very first time. I recieved my payment for the item through Paypal because that is the only option offered to collect payment. When I received my money in my Paypal account {$91.00} or 2.9 % plus XXXX cents had been taken by Paypal in fees. At no time was I notified about the fee and it was never disclosed anywhere in the interface between XXXX and Paypay. I called XXXX and they verified that there is no disclosure to new or returning XXXX customers that states that Paypal will be deducting this fee, I also asked if I had any option other than using Paypal to collect the fee and I was told no. This is basically a forced fee since there's no other options to collect the money and they do not disclose the fee at all when you list your item on XXXX. I called Paypal today XX/XX/XXXX asking for the fee to be reversed because it was never disclosed anywhere on the XXXX and Paypal interface and the lady said that's my problem and that I should have read the small print whenever I signed up for Paypal. I signed up for Paypal YEARS ago. Nobody reads all the fine print and the way I typically use Paypal has no fees. It is not clearly stated or disclosed anywhere a consumer would actually notice it. The Paypal fee should be disclosed in a way that's easy to see and understand at the time you agree to collect payment through Paypal from selling your item on XXXX. This is a huge scam that I'm sure thousands of people fall for every day with absolutely no recourse. These big companies should have to be honest and forthcoming about the fees they charge which are astronomical and are based on a total percentage of a sale. In my case, the sale was several thousand dollars resulting in a huge fee that I never would have agreed to pay had I known in advance or had I been given any other option to collect my proceeds. Since XXXX and Paypay are associated they are completely abusing their clients by forcing them to pay an undisclosed fee to their sister company Paypal and giving them no other options but to use Paypal to receive proceeds. | ||||||
| 02/15/2020 | Yes |
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| My name is XXXX XXXX. OnXX/XX/2020. I had sent money to a lady named XXXX XXXX on PayPal account ( XXXX ) The first amount was {$1000.00} and the second one same day was {$100.00}. Altogether it was the amount to {$1100.00} Her partner XXXX XXXX advertised for an apartment for rent XXXX XXXX XXXX XXXX AK for {$500.00} security Deposit and {$850.00} for rent. Altogether {$1300.00} and I was {$250.00} short and they said I can pay when I go to XXXX. The number they gave me was XXXX for XXXX and my bf and I would text him since then and even before payment since ending of XXXX to XX/XX/2020 when I received last text. He was the person who gave me her info to send the money. His email address that they created for me to contact them on emails were ( XXXX and XXXX ) On XX/XX/2020 in the morning when I woke up. I texted and asked them to meet my bf to go see the place and get the keys. He never replied. I emailed both emails and no reply. I tried to call and no answer. I told them if they dont reply that I would call XXXX and file a scam report. My bf wasnt happy because he figured they were scamming us for fraud! When I tried to call again. The phone number was disconnected and the emails didnt work anymore. I told my bf and he tried to fill out a report with XXXX XXXX Police Department but it was under my name. I then went to PayPal and filed a dispute on both transactions and told them that it was a scam and they stole my money! I wanted my money back because it wasnt right! Those people scammed us and fraud us for money and used a place that wasnt theirs! Later that day in the afternoon I got an email back for both transactions and said that they denied and denying my case for my refund because this transaction was unauthorized. This was a total scam! Its not right for PayPal to hold back my full refund and let these scammers win! I filed a police report online and idk what they will do to the people if they ever catch them! I put the stuff on fb to warn other people. I filed another complaint with the Feds in XXXX. Now I am coming to this place for help!!!! | ||||||
| 03/17/2023 | Yes |
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Web | Servicemember |
| Venmo issued a MasterCard debit card. I use Venmo for business and transfer those funds onto the debit card. At first I used it strictly to withdraw cash, ultimately using for purchases. XX/XX/2023, I used it for a deposit st a local hotel/resort for {$100.00}. First, they do not designate the name of the facility and I couldn't figure out why it only happened for this charge but I quickly found out. Using their user agreement as justification, Venmo intentionally labeled the charge Hotel so when the resort submitted the final billing for settlement 2 days later and it registered XXXX the statement by the name of the resort, they did not marry it to the {$100.00} hold. After multiple attempts to have my funds released they REFUSED EVEN Though IT WAS SETTLED AND THE RESORT SENT COMMUNICATION STATING AS MUCH. Reps verified it was settled because they referenced the final amount submitted ( which I could not see posted ) and said they could not release the funds. I was repeatedly told to refer me to the user agreement that states they have a right to keep my money for 30 days. Guess what 30 days has come and gone and they refuse to release my funds. Now, they say it's a technical issue, their technical team is aware and they will email me " whenever '' they have information. No timeline..just, they will not give me my money back. Reps say they will escalate but no one contacts me. I'm pretty sure this is illegal. If it isn't, it should be. It's been 33 days since this charge was settled and Venmo after at least 8 requests have refused to refund me my money. Concerned, I checked and discovered Venmo has a business practice of not taking the merchant amount when submitted, claiming they can hold the money for 30 days then claiming technical errors hoping you just go away. They are thieves. If you dont ask for holds to be released, they steal it without you knowing and if you ask for it back they claim technical issues Do not use Venmo debit card. I hope they are investigated for these activities and the Venmo platform is exposed for fleecing it's customers.. | ||||||
| 02/04/2022 | Yes |
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| My complaint is with PAYPAL. Ive used PayPal for quite some time. So last year ( XXXX ) I filed my taxes for the year XXXX. I used the routing and account number on my PayPal for direct deposit. On XXXX XXXX XXXX XXXX XXXX the IRS direct deposited my tax refund into the routing and account number issued to me by PayPal. So the XXXX comes and goes and then the XXXX and so on and so on. I spent HOURS on the phone day after day for aver a week. PayPal tells me they dont see the deposit. After I called several times a day for days I conyact the IRS. They verify the routing and account number and they are correct but the lady says this is a XXXX XXXX account number you gave me. I tell her I do not have a XXXX XXXX account. So she gives me the number to XXXX XXXX and I call XXXX XXXX and XXXX XXXX tells me that the money is there. XXXX XXXX give me a transaction ID in a trace number for XXXX XXXX to give to PayPal so they can locate the money. I call PayPal back PayPal says XXXX XXXX is not allowed to give me that information I said well they did they said they can't verify the money 's there I said they did two managers XXXX anybody activity at the highest chain and they said because they had already done three traces and didn't find the money that was all they could do. I said no the money was put in the routing and account number that you guys are assigned to me and I would like my money. Went out PayPal has revoked my account I can't even contact customer service I can't get in my PayPal account they have changed my account number to my PayPal and I still have not got no money. The refund amount is {$1100.00} just sitting there that I have no way to retrieve. I called the IRS bag they said that they did their own Trace but by law they have to give them 90 days to respond that was as of XX/XX/XXXX. So I call XXXX XXXX bank and ask XXXX XXXX can I just go to a XXXX XXXX and get my money out and they said no because this account is owned by PayPal. So now I'm stuck with no ways to get my last year 's income tax and I'm I'm frusterated and I don't know what to do. | ||||||
| 09/05/2017 | Yes |
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| PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money. | ||||||
| 07/31/2023 | Yes |
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| Dear PayPal Customer Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a result of a mistake. I am deeply concerned about this matter and would like to present my case for your re-consideration. First and foremost, I want to emphasize that I have always adhered to PayPal 's policies and guidelines. I have never knowingly engaged in any activities that could potentially violate your terms of service. Therefore, I am perplexed as to why my account has been subjected to such restrictive measures. I kindly request that PayPal conduct a thorough investigation into my account 's limitation. I believe that a careful review will reveal that there has been an error or misunderstanding. I am confident that you will not find any instances of policy violations or suspicious activities associated with my account. Having relied on PayPal for many years for secure and efficient transactions, this limitation has significantly inconvenienced me both personally and professionally. I have always valued the trust and reliability that PayPal offers to its users, and I genuinely wish to continue using your services for my online transactions. For your reference, the email address linked to my PayPal account is XXXX. I understand that ensuring the security of your platform is of utmost importance, and I commend PayPal 's efforts to maintain a safe environment for all users. However, I sincerely believe that my account 's limitation was an unfortunate error, and I humbly request that you re-evaluate my case and consider restoring my account privileges, if deemed appropriate. I am eager to provide any additional information or documentation to support my appeal. Please let me know if there is any further information you require to re-investigate my case thoroughly. I genuinely hope that you will give my appeal due consideration and reach a fair and just decision. I eagerly await your response and sincerely thank you for your attention to this matter. Yours sincerely, XXXX XXXX | ||||||
| 08/17/2022 | Yes |
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| Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my XXXX XXXX CARD that I had saved in my PAYPAL ACCOUNT. I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About 2 weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to PAYPAL, and PAYPAL SHOULD HAVE RELEASED IT back to my XXXX XXXX card. I called Paypal they told me they sent it to XXXX XXXX, I assured them they did not because I never received the money back. I called XXXX XXXX and they told me they never received the money from Paypal. At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a 3 way call with both XXXX AND PAYPAL, and XXXX told PAYPAL SUPERVISOR LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX PAYPAL Told me they were going to find out where the money is, it is now been a month and a half later and every time I call them they tell me I need to call XXXX and at this point I am tired of this situation. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. The total I need to be refunded is {$1800.00} The PAYPAL CASE NUMBER IS AS FOLLOWS : XXXX The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The PAYPAL Ticket rush number XXXX that was supposedly escalated to get me my money back in 34 hours ) is as follows : XXXX Please help me! | ||||||
| 08/02/2022 | Yes |
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| This complaint is against : PayPal , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX I was advised to wait 180 day before my balance could be withdrawn after multiple phone calls on XX/XX/2021. As of XX/XX/XXXX, Paypal has withdrawn all of the funds to their own account, {$31000.00} after the stated 180 day hold period. I understand the 180 days period, to rectify any issues buyers may have, for instance chargebacks etc. However, it is illegal for the company, Paypal, to pocket the seized funds. I would rather have Paypal refund all my clients that are satisfied with their goods without any complaints after 7-8 months than to have Paypal pocket the money after they have collected the fees for successful completed transactions. It is unjust enrichment by paypal gaining interest off the held fund that isn't paid out to the customer after 180 days. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal debited a random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reach XXXX before the 180 day hold period. I believe that I was deceived by PayPal as they failed to provide the payment service promised. | ||||||
| 06/02/2022 | Yes |
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| PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. It is clear to anyone that what they are doing is wrong. | ||||||
| 01/19/2019 | Yes |
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| I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX. | ||||||
| 08/01/2018 | Yes |
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| Paypal is inappropriately hold my money. This has happened on the last two transactions for 21 days. Transactions on XX/XX/XXXX & XX/XX/XXXX sales ) They claim it is for one of the following reasons : Your payments may be placed on hold in your pending PayPal balance because 1. Youre a new seller with PayPal - It takes time to build history to demonstrate a pattern of positive buyer-seller transactions. By building a positive selling activity, your funds may become available immediately. 2. You have performance issues or a high rate of buyer dissatisfaction or disputes - The percentage of refunds, disputes, and chargebacks compared to sales on your PayPal account seller performance. Having performance issues increases the likelihood of received funds being temporarily unavailable. 3. The payment you received may be considered unusual for your selling pattern - You may be selling higher risk items such as tickets, gift cards, electronics, or travel packages. Unusual sales activity could also include a recent spike in sales, a change in average selling price, or a change in business model or type of item being sold. Also, if you had been selling on XXXX but are now selling off XXXX, this would be new activity. 4. You were previously an inactive seller - You may not have sold something for a while and you have now begun selling again. 5. Youve been selling for a while but opened a new account - If youre an established merchant, but opened a new account, that account will be eligible for holds until a good history is established. However, not one of these reasons in valid for the following reasons : 1 ) I have been using Paypal for over three years so I am not a new seller. 2 ) In the three years I have used Paypal I have NEVER had a complaint filed against me. 3 ) I have had this amount & similar amounts the entire time I have used Paypal. 4 ) Obviously, this doesn't apply as I have been selling on Paypal since I opened my account. 5 ) I haven't opened a new account & have been consistently using this account. Please help me resolve this issue. | ||||||
| 02/17/2022 | Yes |
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| I have been an account holder with PayPal.com for more than 5 years, and had NO MAJOR ISSUES until recently. On XX/XX/2022, I had a larger-than-usual payment made to my account. By the way I was treated, and by the amount of the documentation I sent. one would think I had stolen this money, or it was earned illegally!! It stated on the transaction summary that there would be a hold until all documents were sent to verify the information, and who I was! I not only had to send my driver 's license, an other identification, I also had to send a picture and a receipt of goods I sold!!!!! This is an invasion of privacy!!!! They should've looked at the senders information, and saw that it was from a jeweler/pawnbroker!!!!!!! I was treated as a XXXX who stole it!!!!! I has to fight like crazy to get this hold released -- I had to deal with countless customer service agents who anything but helpful -- how about they were deliberately antagonizing!!! I was finally able to reach someone in the escalations department to help release this hold!!!! I even filed a XXXXXXXX complaint, which wasn't all that helpful either!!! I was told this wouldn't happen in the future, but it has again, and now, it's even worse!!!! On XX/XX/XXXX, I received a check from " XXXX '', that was deposited into my account, and ready for immediate transfer, or so I thought. When I did the immediate transfer, the transaction details state that the transaction was pending until XX/XX/XXXX!!!!! It was supposed to be in my bank account within minutes, and I was told no more long holds!!!!!!!! Again, more run-around from Customer Service and the so-called Managers!!!!!! Yesterday morning, I sold an item, and the customer sent the money to my PAYPAL ACCOUNT. Those funds were to be on hold until the item was confirmed delivered-which would only be for several days-up to 7 days. Now, the funds are on hold til XX/XX/XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I need my money, and should have it after the item is delivered and confirmed delivered!!!!!!!!!!!!!! Otherwise, it's abuse and starvation!!!!!! | ||||||
| 03/18/2021 | Yes |
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| After actively using and promoting Paypal services for over 5 years, and trusting this company with my personal and business funds. This completely changed on XX/XX/2021. Prior to this, my businesses were using paypal with no issues. Come XXXX, I tried to transfer funds from my Paypal to my bank account and was unable to. I called Paypal and they told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided paypal all the information requested and waited a few days with no response, and transactions still processing into my paypal account. Days later, I receive a call that completely startles me, I'm told told that my account has been limited for 180 Days! That all funds in the account are on hold and non transferrable. This was the start of a huge downfall for my business. And much financial troubles for my family and continues to be. With multiple 5 figures in the account needed for cash flow. All orders have been delivered promptly, I am able to provide tracking for my orders. It has been several months now and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds very soon not only my business will collapse, but my family will suffer as well. I have not abused PayPals services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response and if they do respond they do not answer my questions. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX | ||||||
| 04/22/2020 | Yes |
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| PAYPAL ACCOUNT ID : XXXX Dispute regarding transaction : {$60.00} PAYPAL XXXX XXXX CH I had purchased a shoe rack from XXXX Details attached. As I bought it, I was asked to send money over via Paypal as a part of the checkout flow. Screenshot of order is attached. Since then I have discovered it's a scam website and the account is an offshore XXXX account. Instead of shipping the item to me, the seller shipped a XXXX item to a random address in XXXX , WA and claimed that they shipped the product. They shared a tracking number on XXXX XXXX for a date in the past : XXXX. This tracking number does deliver a random package in XXXX, WA. This tracking number was not sent to me. I have confirmed with XXXX that no such package has been delivered or shipped to my address. If paypal were to check they would get to know the same. This is a well known scam apparently : Buyer buys something via Paypal Scammer sends a random package to an address in city of buyer, usually a public address Buyer never receives anything and files chargeback via Paypal Paypal only looks at a tracking number and reject the claim INSTANTLY with no recourse. The XXXX weighs XXXX pounds, the XXXX package sent the next day was XXXX lbs and next day saver would have cost over a hundred dollars. The website itself is fraud and if Paypal had even done a second level investigation before denying my claim they would realize that this merchant 's account and all associated accounts need to be closed immediately. The website is probably redirecting money to different paypal addresses for this scam. Now Paypal itself is systematically letting this fraud go on since it doesnt train its agents properly. Despite sharing all this info in the claim, the agent roboticly rejected the claim without using their brain on what had happened : Case Resolution Decided in seller 's favour Adjudication reason Valid tracking info provided by the seller. I tried to escalate to a supervisor, however my email was met with an auto reply that they wont respond to emails and help center got no response. | ||||||
| 12/20/2019 | Yes |
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| I need help with getting back {$1500.00} that was suppose to be refunded to my XXXX card from Paypal, but has never made it back to my card ... ..I have proof of all this And no body seems to help me track where this money is ... ..this was a dispute letter I sent to XXXX and was denied , reasons being who knows ... ..PayPal says transaction was successful and I will send in this email proof of this ... ..please help me ... I recieved my taxes back for XXXX onto a XXXX XXXX XXXX XXXX Visa card. On XX/XX/XXXX of XXXX, i signed onto my Account through The XXXX XXXX XXXX application, and I sent {$1500.00} from my XXXX Visa card to my cell number. From there, I claimed {$1500.00}, through the link that XXXX sent me in the text message by inputing a verification code on this XXXX website link sent to my text messages. After inputting verification code, there were 2 choices to pick up the {$1500.00}, either i could deposit it into a personal bank account or into a PayPal account. I chose to send {$1500.00} to paypal account of XXXX XXXX.. From there {$1500.00} sat in his PayPal account until XX/XX/XXXX, where he decided to REFUND me the {$1500.00}. So he pushed refund button on his PayPal account. Next to {$1500.00} dollars. From there I have not seen or know where my money went..It lists the money being refunded to XXXX ... Ive emailed this email several times with no response It states on his PayPal account that refund was issued, but I, nor XXXX, have yet to get a clear answer from paypal of where this money went.several different messages and phone calls have been sent from me and XXXX to PayPal just to receive automated responses from paypal I have transcripts from live chat sessions I was able to save, that I will be including in this letter along with any other proof I haveI just want my XXXX dollars back. it has been stressful and time consuming.PayPal is in my opinion a little shady, and after researching PayPal online, I come to find thousands upon thousands of different complaints from unsatisfied customers please track where my money is. I | ||||||
| 10/06/2022 | Yes |
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| On Sat. XX/XX/2022, I recieved {$300.00} from a friend on her Venmo account to my Venmo account. I then attempted to transfer that amount to my bank account and my account was frozen. I recieved an email saying that my account was frozen for suspicious activity and that I would recieve another email explaining why and what to do to solve it. It is now XX/XX/XXXX and I still have not recieved any further emails giving me an explination or instructions to resolve this matter. I have called venmo twice on XXXX XXXX as well as using their chat and sending an email. I was told on Saturday XXXX XXXX that a specialist needs to review the case and they only work Monday-Friday and they are the only people who have access to any of the information. I was also informed that they can not be reached by phone and I could not have their direct email. I was told I would recieve an email in between 7 to 21 business days with more information. I asked if the transfer could just be canceled and returned to the sender and I was told that was not possible. I then requested that my account be closed and they said that also was not possible until this matter has been resolved. I again called on XXXX XXXX 2022 and was told that my case had already been escalated and it would take 7-14 buiness days for a specialist to get to my case. I again asked for an explination and was told they had no access to that information and their was nothing they could do and I just had to wait. I requested for my case to be escalated again. This is just ridiculous. I believe this is delibertly done so companies and banks can hold on to customers money longer to earn the interest. Interest on a mere {$300.00} for 3 weeks is nothing but if done to just a small fraction of their total transactions for the weekend I'm sure it total amount of " frozen '' accounts is in the millions and thats a whole lot of interest earned in 3 weeks. And there is no reasonable excuse for a company to hold someones money for 7-21 business days without telling them why or instructions on how to resolve the issue. | ||||||
| 10/01/2021 | Yes |
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Web | Older American |
| PayPal treats their customers horribly! I have had a PayPal account for 21 years, since XX/XX/XXXX. In XX/XX/XXXX I was notified that my account was suspended, and all my funds frozen for 180 days, according to PayPal, due to Acceptable Use Policy violation, whatever that means. At that time, I was informed that at the end of 180 days I would get instructions on how to transfer my money out of PayPal. I have filed a complaint with Consumer Financial Protection Bureau, to which PayPal has responded : PayPal will make any remaining funds available to me for withdrawal on or before XX/XX/XXXX, and PayPal will notify me of this via email. I logged in to my PayPal account on XX/XX/XXXX and found my balance ( {$270.00} ) was withdrawn by PayPal to zero, due to damages caused by Acceptable Use Policy violation damages. What damages?! I called PayPal and after a significant wait was promptly told by a representative that there was nothing she could do and when I requested to speak to her manager, she told me that the manager would tell me the same thing. When I insisted, she placed me on hold and never came back on the phone. I hung up after about 45 minutes of waiting. Customer service at PayPal is non-existent. The bottom line is that PayPal broke their promise and without notification or any legal judgement, PayPal has confiscated all my money. There was never any explanation on what the damages were, I was being charged for. After extensive research, it became apparent that PayPal has been using its policies to justify illegal and fraudulent practices of stealing money from its customers. A reasonable person may see when a breach of user policy may be used to prevent someone from using their service, but to take someones property without a court order or any legal process constitutes theft in any civilized society. No person in their right mind would knowingly do business with PayPal under these circumstances. There are thousands of complaints against PayPal and several class actions suits. What they are doing is wrong and should punishable by law! | ||||||
| 12/06/2020 | Yes |
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| On XX/XX/20, I purchased an XXXX gift card for {$500.00} which I sent to a client a few days later. The card arrived unopened and intact with no signs of having been tampered with. On XX/XX/20, my client emailed saying he was about to use the card and when he had checked the card balance on the XXXX website, it showed someone had stolen {$490.00} from the card on XX/XX/20 leaving a balance on the card of {$5.00}. The client printed out and provided to me the activity for that gift card showing the card purchase and the unauthorized disbursement of gift card funds. It shows someone with a PayPal account in the name of XXXX XXXX stole the money and passed it through PayPal. He also emailed photos of the card and the card envelope. See attached. I have also attached the receipt for the purchase to cross-reference the card information on the package to the card information the receipt. on XX/XX/20, I contacted XXXX who said I must contact PayPal for any help recovering the stolen funds since they were " laundered '' through PayPal by the thief. Beginning XX/XX/20 and multiple times since up to XX/XX/20, I have emailed and left written messages on PayPal 's " Message Center '' explaining that theft/fraud had been committed against me by one of their users using their payment system and asking them for a response. PayPal has provided NO RESPONSE. I have also called multiple times to the PayPal phone number posted on their website and on the printout of the XXXX card activity - XXXX. Each time, after going through the lengthy phone menu to try to speak to someone at PayPal, a phone messages says there is no one available to service this call now and the call disconnects. I want PayPal to take responsibility for ... 1 ) the fraudulent use of their system by one of their users ( the thief who stole my and my client 's gift card funds ) and ... 2 ) their failure to provide to me any response to my repeated requests for help and ... 3 ) to recover the gift card funds from their account holder who stole them and reimburse those funds in full to me. | ||||||
| 09/14/2020 | Yes |
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| On XX/XX/2020, my paypal account was sent {$4500.00} & {$5000.00} thru friends and family. This what sent from a friend. I went to transfer some of it since I needed this money especially after everything 's happening do to the Coronavirus. However, I couldnt bsend it thru a card, a bank, or even a wire transfer nor friends and family, even had my brother send me a payment thing to my account for exact amount in my account since his goes straight to his bank. Still nothing. PayPal limited my account just a few hours later. I couldnt do anything or show any proof as to this is my account and it was legitimate. XX/XX/XXXX I believe my friend was supposed to refund his money back since I couldnt find the screen too. However this ended up being worse since he did a unauthorized transaction, he believed it to be more a default setting nothing he did technically is what he explained to me. On the XXXX paypal rules in my favor even though thay wasnt the point. On 2 of XX/XX/2020, after sending all my info describing all my issues and doing everything ask of me by the 15 different agents I spoke to paypal closes my account for suspicious activity. For reasons not really understood even though I had read the policy and have sense. I tried numerous times trying to speak to someone however I rrcieved a bit or the same message saying sorry for any inconvenience and how the closing of the account was final and couldnt be disputed. They don't say to you it cant be disputed in there policy on closing of the account. Now they are saying I have to wait for 180 days to withdraw my funds. This is ridiculous in nature especially in a pandemic as we are in. This was all do to PayPal restricting a paypal cash account without any reason too and also so to husband setting up the account for me not understanding the difference between this kind of account and a buisness account. When trying to fix the errors in the account and limitations is ultimately what causes the account suspension. Had paypal advised the issue would have raised I could have kept from it. | ||||||
| 02/21/2023 | Yes |
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| My credit card is through XXXX however they have been amazing to work with. The Issue is Paypal is withholding {$2000.00} for almost 80 days they will not release it back to me or to the vendor. XX/XX/XXXX, I paid XXXX XXXX XXXX ( the vendor ) {$2000.00} for a product through Paypal. We decided to go through a different vendor and requested a refund. After a week we still had not received the refund, so I opened a dispute. Then my husband said we would just go get the product 2 states away, so I called XXXX to close the dispute and give the money back to the vendor. After two weeks the vendor still had not received the money but I had been rebilled so we called PayPal and they stated they needed it to be closed from XXXX. XX/XX/XXXX this dispute was closed with XXXX, I offered to email Paypal the letter from XXXX stating it was closed but they said they needed it from XXXX. I called Paypal back to let them know it was closed, they let us know we needed to wait 75 days for Paypal to release the funds to the vendor. Though we had communicated all this with the vendor, we were billed again and threated collections because we had the product, and he was out {$2000.00}. In XXXX we paid the vendor an additional {$2000.00} in the agreement he would refund us once Paypal released the funds. I called and checked XX/XX/XXXX that we were still just waiting, and they verified that XX/XX/XXXX would be the end of the 75 days and the vendor would have his funds. I called XX/XX/XXXX to make sure the vendors fund had been released and they stated they are still waiting for XXXX to close the dispute, even though last we spoke it was only a time issue. I called XXXX today XXXX and they again said it has been closed since XXXX. I will be calling Paypal again today and letting them know I filed a complaint, at this point they have no reason to keep these funds on hold from the vendor. At this point I have paid for the product twice and I am not sure what else I can do. Paypal Account is my husband XXXX XXXX XXXX XXXX. Card on the account is mine ending in XXXX | ||||||
| 03/30/2019 | Yes |
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Web | Older American, Servicemember |
| I had all but completed a complaint but had to leave the web page to try to find a account number for PayPal which does not exist. I will add a summary here : More than 2 weeks ago I tried to link to my PayPal account a bank account that I could use to transfer money economically and on a timely to basis XXXX. I have spent literally hours on the phone - at least XXXX as measured by my IPhone, usually an hour or more hold time, plus as much as an hour sometimes in trying to solve the dilemma. The dilemma revolves around the fact that they don't accept my XXXX phone number ; so, they had me arrange for one of my children 's phones in the US to be used and authenticated, and it has been so authenticated. The problem with PayPal is that they will not except my email, as half dozen other firms do, for authentication purposes. They insisted on the phone number. Two or three times they ran a series of, security questions, from who knows where. These are not questions that I had submitted answers to. They were questions like, what was the color of my XXXX car ; one possible answer was green and one possible answer was blue. Well I had one of both bought within a month of each other ; XXXX XXXX chance of failure. Another time they had someone who didn't speak XXXX, and I couldn't understand her and she couldn't understand me. Then there's the issue that I have it son and a grandson with the same name as me, and I think they were asking me their questions about their addresses and so forth. For the last 10 days I kept calling back because they were telling me to call back in XXXX to XXXX hours for more security questions. Today, they told me there will not be any more security questions. I am just out of luck. Finally, 10 days ago I accepted their suggestion to take out a free debit card from PayPal in order to draw out the money. That would not be very convenient, but at least I could get the money out. That was promised within 7 working days which is past, and it's still not been delivered to my forwarding address - much less to me in XXXX. | ||||||
| 08/11/2023 | Yes |
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| Dear PayPal Appeals Team, I hope this message finds you well. I am writing to address a matter of utmost importance regarding my PayPal account, which has recently been permanently limited. I believe this limitation is the result of an unfortunate misunderstanding, as I have always been a dedicated and compliant PayPal user. I wish to clarify that I have not, in any way, violated PayPal 's policies. I have consistently used my account for legitimate and lawful transactions, adhering to the guidelines outlined in PayPal 's User Agreement. The limitation has left me perplexed, as I have never engaged in any activity that could warrant such an action. I kindly request that PayPal consider re-evaluating my case with a fresh perspective. It is my earnest appeal that you thoroughly investigate the situation, and I am confident that your findings will corroborate my adherence to PayPal 's policies. I understand that mistakes can happen and systems might misinterpret certain activities. Thus, I humbly ask for your assistance in rectifying this situation. If there has been any confusion or miscommunication, I believe this can be swiftly resolved through a comprehensive review of my account activity. My PayPal account has been an integral tool for my online financial transactions, and its permanent limitation has caused significant disruption. I genuinely value the services PayPal provides and wish to continue utilizing them responsibly. I would like to kindly request that you consider restoring my account to its full functionality. This would not only alleviate the inconvenience I am currently facing but also reinstate my trust in PayPal 's commitment to fair and unbiased account management. I am hopeful that PayPal will recognize the inadvertent nature of this limitation and promptly take action to rectify it. I am eager to resume using PayPal for my financial needs and to continue being a responsible member of the PayPal community. Thank you for your time and consideration. I eagerly await your response. Sincerely, XXXX XXXX XXXX | ||||||
| 11/02/2023 | Yes |
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Web | Servicemember |
| Dear XXXX, Subject : Unauthorized Deduction from My PayPal Account I am writing to formally bring to your attention a matter of utmost concern regarding my PayPal account and an unauthorized deduction that has taken place. My name is XXXX XXXX XXXX XXXX, and I created a PayPal account " XXXX '' in XXXX of this year. Unfortunately, after using my PayPal account for a few weeks, it was unexpectedly limited, with approximately {$2000.00} in my account. I was unable to resolve the limitation and some senders filed chargebacks totaling {$600.00}, resulting in a balance of {$1400.00}. As the 180-day waiting period passed, I received a notification that my funds were eligible for withdrawal. However, upon checking my account, I discovered that my balance had been reduced to {$1200.00} instead of {$1400.00}. Upon further investigation, I adjusted my transaction filter to cover the period from 90 days to a year, and I uncovered a disconcerting revelation. PayPal had transferred, or in simpler terms, deducted funds from my balance, claiming that it was a " negative balance. '' I would like to emphasize that I do not have any other account in my name with a negative balance. This situation is deeply troubling to me, and I believe it amounts to a case of financial mismanagement and potential theft of funds. I have exhausted all possible channels of communication with PayPal to resolve this matter but have received no satisfactory response or resolution. I am reaching out to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this issue. I kindly request that you investigate this matter and help me recover the funds that have been wrongfully deducted from my PayPal account. I have attached relevant documents and evidence to support my claim, and I am willing to provide any additional information you may require to facilitate your investigation. I look forward to a prompt response and resolution to this matter. Thank you for your attention and assistance in this regard. Sincerely, XXXX XXXX XXXX XXXX. | ||||||
| 04/06/2020 | Yes |
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| On XXXX XXXX, XXXX, I made a deposit, using PayPal, in the amount of {$500.00} to the XXXX XXXX XXXX for an event that was scheduled to take place XX/XX/XXXX in XXXX, XXXX. Additionally, I paid {$78.00} to the XXXX XXXX XXXX for transportation to and from the airport. The total transaction was {$570.00}. On XX/XX/XXXX, I made an installment payment to XXXX XXXX XXXX XXXX for the same event using PayPal in the amount of {$530.00}. On XXXX XXXX, XXXX, I made another installment payment using PayPal to XXXX XXXX XXXX XXXX in the amount of {$530.00}. Sometime in early XX/XX/XXXX, the XXXX government closed its borders to US citizens because of concerns related to the COVID-19 pandemic. On XX/XX/XXXX, The XXXX XXXX XXXX cancelled the event. The XXXX XXXX XXXX decided to offer the camp for XX/XX/XXXXwith different instructors as an option. I contacted The XXXX XXXX XXXX and notified them that I will be unable to attend that event a year from now and requested a refund. The XXXX XXXX XXXX refused to offer me a full refund, but refunded the {$78.00} I paid for the airport transfers back in XXXX XXXX. On XX/XX/XXXX, I reached out to XXXX XXXX, the retreat center where the event was going to be held and requested a refund. The owner referred me back to communications with the organizer of XX/XX/XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX said they would offer 30 % of the total {$1500.00} as a refund for an event they canceled and rescheduled over a year later. On XX/XX/XXXX, I filed a dispute with PayPal for a full refund for the amount of {$1500.00} paid to XXXX XXXX XXXX XX/XX/XXXX under PayPals terms of non receipt of product purchased or a significantly altered product than promised by seller. Additionally, I learned that PayPal is encouraging merchants to consider not charging fees buyers for as a result of travel restrictions for not using services booked. This claim is currently under review. PayPal is awaiting the sellers response, but has not made a determination that I should receive a full refund for this canceled event. | ||||||
| 01/07/2019 | Yes |
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Web | Older American |
| On XX/XX/2018, I sent XXXX Euros to my stepson in XXXX via PayPal. I have never done this before and made several major mistakes that I am trying to resolve : 1 ) the transaction was processed as a business transaction, when I thought I was making a personal transaction. 2 ) For some reason the transaction was repeated, so that a total of XXXX Euros was sent as 2 transactions, which completely depleted my bank account. It was not my intention to send this transaction twice. 3 ) In an attempt to get the second transaction cancelled, I requested that the money be refunded. I later cancelled this request since I had begun the process of submitting a claim to PayPal and was instructed by PayPal to do so. Since that time, I have made over 10 calls to PayPal requesting to get my money returned. Each time I have called I have been instructed differently and told different stories. However, I was finally told that the intended recipient had to initiate the refund. He has subsequently requested that the XXXX Euros be refunded to me, as instructed by me, and was told that the transaction is now considered fraudulent and it may take 6 months to get the money to me. I am totally frustrated by this process ; am out a lot of money ; and have not had responsible interactions with PayPal staff. On numerous occasions I have requested to speak with a manager, and each time that request has been rejected ( I am told it is notT possible ). Clearly, this is a not a fraudulent transaction - the recipient has not tried to withdraw the money, and I have been forthcoming in admitting that I made mistakes with the transaction. The money sits with PayPal ; my stepson has been more than compliant with my requests ; and I have been vigilant in trying to recoup my money. Since the money was intended to pay his college tuition, I have sent the money again with another vendor ( RIA ) without a problem. Any assistance that you can provide would be greatly appreciated. I am also going to report this to the local television station consumer advocate. Thank you. | ||||||
| 12/13/2015 | Yes |
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Web | Servicemember |
| In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite. | ||||||
| 08/08/2023 | Yes |
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| On or around XX/XX/2023 I realized my PayPal account was hacked. My password and security questions were changed as well as my passwords. 3 transactions were made. 1 ) {$280.00} was transferred to my account. Transaction ID : XXXX XX/XX/2023 XXXX ) {$290.00} was sent to someone named XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) XXXX was sent to XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) On XX/XX/XXXX there was a dispute on my account regarding a transaction I did not make. XXXX XXXX disputed XXXX Transaction ID XXXX Case ID XXXX PayPal sent an email regarding suspicious activity on my account and locked my account. I called PayPal to report that my account had been hacked and I did not make these transactions. They guided me through the steps to reactivate my account which I did. On XX/XX/XXXX I called PayPal to discuss the dispute email I received and was told that since I had already called to report the fraudulent activity they were looking into it and no action on my part was required. I received a notice that the case was resolved in the buyers favor and my PayPal account showed as negative XXXX I called PayPal to explain that I did not make this transaction and my account should not be negative. I filed 2 cases both of which were closed saying they do not see fradulent activity. I have been calling PayPal to explain that I did not make a transaction with XXXX XXXX and that I am not a seller on PayPal and I do not have an open XXXX XXXX account which is where the money was sent. On XX/XX/XXXX I called PayPal to open a dispute again and was told that prior disputes were not resolved because inadequate information was provided to the back office investigating my claim. On XX/XX/2023 I attempted to make a purchase with the on-line retailer XXXX using my PayPal account XXXX Instead of processing my transaction for {$110.00}, PayPal took {$290.00} from my account although this is not money I owe. I am looking to have PayPal thoroughly investigate my situation and return the funds owed to me. | ||||||
| 08/12/2020 | Yes |
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| On XX/XX/XXXX at XXXX XXXX Venmo froze my account and won't release my money to my linked bank accounts. I have used venmo for quite some time and I've verified my identity multiple times and apparently it's not over my identity but they refuse to say why. All I did was pay my friend and Co worker money for a vehicle he purchased for me 2 months ago and for helping my kids and I with our medical bills. As well as trying but not succeeding in getting an XXXX ride and XXXX ride online for a friend stuck in Mississippi at the casino that day right before my account was frozen. I didn't commit a crime nor did they even ask me for an explanation of my transactions. They just took my money which by their policy is fdic insured because it was added by direct deposit. It's all the money I have it came from XXXX Arkansas XXXX XXXX XXXX which as you know is unemployment. They want to say they can hold it for 180 days just in case any merchants file a claim or some nonsense which they know the only person I paid was XXXX XXXX and he tried to transfer his money to his bank through venmo and they didn't transfer it and told him it was returned to my account so take it up with me but it never made it back to my venmo account so that's another XXXX on top of {$8000.00} they are playing with on me. I have XXXX boys 9 and 15. I can't wait until 6 months.I lost my car because of this frozen account by a company pretending to be a bank when there far from it. My venmo username or email is XXXX my name is XXXX XXXX dob XX/XX/87 ssn XXXX. XXXX XXXX is here with me. HI My name is XXXX XXXX my email is XXXX dob XX/XX/87 ssn XXXX and venmo took money paid to me and claim it was sent back to the originator which is a lie because it is not in his account I am looking with him right now and all the venmo chat agents are rude and literally join the chat read my question and literally a second later leave the chat they're avoiding us for a reason why can't we have our money it's ours not venmo 's I'm gon na call my XXXX XXXX As well but I hope you can help us. | ||||||
| 07/25/2023 | Yes |
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| On XX/XX/ i received email from Paypal that i changed my mailing address, and I had closed my account which I did not. I immediately contacted Paypal and informed them that i did not do either of these unauthorized actions. Moreover, the cash balance of {$5700.00} in the account of was also gone. I also called customer service rep at Paypal by the name of XXXX who acknowledged all my issues and sent me an email which opened my case for fixing these unauthorized activities and retrieve my cash balance asap. the case number assigned was XXXX XXXX i did not hear back from Paypal so I contacted them by phone on XX/XX/XXXX but was disconnected abruptly. I called again on XX/XX/XXXX and after another interrupted disconnection and speaking with 3 other agents who could not help me, i finally was able to speak to a supervisor named XXXX who understood my situation finally and told me that she would escalate my case to home office and assigned a new case number XXXX and i would be contacted by email on case status. But nothing happened. I called a day later on XX/XX/XXXX to check on status and finally reached an agent named XXXX who fully understood my situation and said he would initiate stop payment for the unauthorized check drawn in the cash balance amount of {$5700.00} and i would be contacted within 24 to 48 hours. XXXX also forwarded me email that confirm there was fraud activity on XX/XX/XXXX. But again no call back from XXXX. Nothing. So i called again XX/XX/XXXX and spoke to another agent named XXXX who also was able to check notes from my conversation with XXXX and said that the stop payment was not completed so she will initiate again and that i call back within next 48 hours to check status. Bottom line i have made 9 long distance phone calls ( no other way to contact ) since XX/XX/XXXX to report fraudulent activity in my account and now XX/XX/XXXX with no resolution. i want my money regardless if they successfully make stop payment since my money was in their safe keeping and they must protect my money from unauthorized fraud. | ||||||
| 06/01/2018 | Yes |
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| XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform. | ||||||
| 05/11/2016 | Yes |
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| Paypal received a buyer complaint stating : XXXX/XXXX/XXXX XXXX PDT - Buyer : I WAS MADE AWARE THAT I WILL GET TICKETS AT THE VENUE WHICH WAS ON XX/XX/XXXX. I WENT TO THE VENUE BUT WAS N'T ALLOWED IN AS I DID N'T GET THE TICKETS AND SELLER IS NOT RESPONDING EITHER. I WOULD LIKE FULL REFUND I responded to this dispute with evidence and the case was decided in my favor on XXXX XXXX. I have indisputable evidence that the tickets were delivered to the buyer and that they did attend the event. I am attaching the email sent to the buyer with their electronic tickets for the event. On XXXX XXXX, I received the following correspondence from Paypal : We received a complaint from your buyer telling us the merchandise was not received Here are the details of this transaction : Transaction Date : XXXX XXXX XXXX Transaction Amount : {$1400.00} USD Transaction Number : XXXX Total Refund Amount : {$1400.00} XXXX Refund Amount Remaining : {$0.00} USD Invoice Number : Buyer 's Email : XXXXXXXXXXXX XXXX 's Name : XXXX XXXX After reviewing the issue carefully, we 've reversed the payment in accordance with our User Agreement and Seller Protection Policy. To make sure you had the money in your PayPal account to cover the reversal, your pending electronic or check withdrawals may have been cancelled. The buyer is lying. I provided proof to Paypal that the tickets were picked up and used for the event. Paypal has chosen to ignore said evidence. Paypal recently lost a class action lawsuit and had to pay a fine based on your efforts yet their business practices have not changed. Paypal attempted no further contact with me in regards to this decision. Paypal made no effort to check the validity of the claims raised by the buyer. Paypal is irresponsible in their handling of this. Paypal has a responsibility to properly investigate claims and review evidence submitted by both parties. This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case. | ||||||
| 08/30/2021 | Yes |
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Web | Older American |
| On XX/XX/2021 PayPal confiscated all the money in my account, {$7200.00}, claiming I was in violation of their acceptable use policy, and that the money they confiscated was for " damages ''. I have had an account with PayPal for over a decade, first selling books, and then selling tools and firearm parts on my website for over four years. I was not aware that PayPal had an issue with gunsmithing tools and firearms parts until I recently read their acceptable use policy. I was never told what part of PayPal 's Acceptable use policy I was in violation of, but according to PayPal 's acceptable use policy, under the AUP, which provides that " you may not use the PayPal service for activities that... relate to transactions involving... ammunition, firearms, or certain firearm parts or accessories, or... certain weapons or knives regulated under applicable law. '' I assume the issue was because of the firearms related items I sell, however I did not sell anything illegal, I did not sell any firearms or ammunition through my PayPal account. Under the AUP, " certain firearms parts or accessories '' are against the AUP. Which firearms parts are against the AUP, and how can the benign tools I sold possibly damage PayPal, and by what accounting method were these damages calculated? According to the AUP, certain firearms parts are acceptable, but some are not. Is the AUP purposely vague? I maintain that Papal is illegally confiscating their customers money, without warning or explanation. Even PayPal 's shareholders are concerned with this illegal practice, and have filed complaints with the SEC. There are now attorneys working on a class action lawsuit to get the millions of dollars back to the innocent people that PayPal has stolen from. I find it incredible that a financial institution would risk getting the reputation of taking their customers money without warning, and without recourse, and on a very vague and non-specific policy. Why would anyone take a chance on having money in a PayPal account when it can be arbitrarily confiscated? | ||||||
| 11/24/2023 | Yes |
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| On XX/XX/2023, my brother who was visiting wanted to go see a XXXX XXXX game so we went to what we thought was a trusted source, XXXX XXXX ; where we came across XXXX XXXX. This person was selling electronic tickets that were in his possession and would have been transferred to us once payment was received. We negotiated a price for the tickets and exchanged Venmo information for the transaction. I sent the money through my Venmo account and should have received the electronic tickets through email within 10 minutes of completing the Venmo transaction. After another 15 minutes and still not receiving the electronic tickets, my brother went back to the XXXX page of XXXX XXXX and the profile was no longer available ( deleted ). After realizing I may have been scammed, I immediately contacted my bank and put a stop order to Venmo. I was later contacted via email by Venmo stating the payment to XXXX XXXX was not completed. A few days later I received another email via Venmo for the same transaction with a different name associated. I immediately called them to explain this situation was a scam and that i authorized a payment to XXXX XXXX although they paid XXXX XXXX. I was never notified by Venmo that the sender 's name was changed and now don't understand why I am being forced to complete this fraudulant transfer to someone else. On XX/XX/2023, a friend of mine sent me a Venmo for {$12.00} which Venmo then used towards the scam, that they are holding me responsible for, since I stopped the payment to them from my bank without my permission. Today, XX/XX/XXXX, my aunt mistakenly sent me {$25.00} for my birthday to the Venmo account. Yet again, without my permission applied that money towards the outstanding balance from the fraudulent transaction. I have supporting documentation and screen shots from each interaction. I also contacted Venmo via the customer service line to inform them on the situation on several occasions. On my last phone call, the person I was talking to ended it with " if you think you have a case, sue us ''. | ||||||
| 05/13/2021 | Yes |
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| PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. What is concerning is that I am certain that the way PayPal limited my account is not an exception. my email is XXXX XXXX | ||||||
| 05/27/2020 | Yes |
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| I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on morning, XX/XX/2020 if I am not satisfied with PayPals response to this request to release my funds, i will be filling complaints with The Attorney General 's Office AND The United States Federal Reserve ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Paypal has not contacted me with any exact date that I would be able to withdraw my funds. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of XX/XX/2020. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. | ||||||
| 06/23/2017 | Yes |
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Web | Older American, Servicemember |
| My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account. | ||||||
| 11/17/2022 | Yes |
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| Transaction date and amount : XX/XX/2022 - {$370.00}. Someone was able to change their name to one of my friends on Venmo, copy their profile picture and user tag and request money by going through this users friends list. I do agree, I should have double checked the account but Venmo allowed them to completely copy this person 's account. When I clicked on the payment, it did not notify me that this user was not on my friends list and allowed the transfer without any sort of indicator popping up that this user is unknown. Immediately after the payment, the user changed their name again and their account is still active. I reported this to Venmo and they denied my claim, stating this payment is consistent with my payment history. This confused me as I have never sent this person money before. The username of the user that received the payment has a completely different name, which they provided in the dispute outcome. The user 's actual name does not match their account info. Venmo 's website shows they are aware of this type of scam yet they have put no security measures in place to stop users from mimicking or copying other users accounts. I believe that Venmo has acted in bad faith in the review of my dispute resolution and has displayed negligence as they have created an environment that allows people to constantly change the image of their profile which gives them an easy opportunity to scam other users. It is confusing to me as to why Venmo even allows account users to be able to change their username to something that does not match their accounts or social security number. I understand if nothing can be done but since Venmo is such a big company with millions of individuals personal information, I believe they should be held accountable for their lack of security measures which have led to a dangerous environment and should at least share the responsibility of scams that are occurring. Right now, you can change your name and username as many times as you want and I believe this creates an unsafe environment. | ||||||
| 05/20/2022 | Yes |
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| So I had my XXXX balance transfered to my venmo account, I'd done it before no problem. I have my XXXX XXXX linked to my venmo debit card, so when I make a payment they withdrawl it from my link card if there's no balance on my account. We'll I had tried to make a purchase on my XXXX and it said it was declined, I knew I had money in my venmo account so I tried it again, declined again. Irritated I went on the venmo app to try and figure out the problem. My trouble shooting kept taking to the same reason, that my account m ay be frozen. I contacted venmo and sure enough my account had been frozen. I asked why, they told me that they had sent me an email and that I needed to resolve the issue via email. I waited and waited and never got an email so I contacted venmo again. I told them that my account had been frozen and I need to resovel whatever issue to have my account un froze. That I never got an email telling me about my frozen account and or how I could remedy the issue. The person I spoke to was helpful she had me verified some stuff and was able to resend the email the they had supposedly sent again. I verified my identity and was told I would be contacted in a few days. So I waited, I finials got an email from them with stated that I had violated there user agreement and that my account would be deactivated and that the money on my account would be held for up to 180 day should they decide to return my money. Wait, what? Should they decide to return my money, it's my freaking money, XXXX? I asked them why their decision was to deactivat my account, what had i done? The gave me no reason. That was not acceptable, so I contacted them a couple more times once to ask them to expedite the release of my funds and another to speak to the mgr or whoever I needed to speak to get my $ released. They said they could not release my $ and I was to refer to the refund and charge back section of there user agreement. Idk, but they stole my money and there's nothing I can do about it is basically what there telling. That's messed up! | ||||||
| 02/14/2017 | Yes |
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| On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations. | ||||||
| 11/26/2021 | Yes |
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| I had a subscription to XXXX and used Paypal for the subscription. When I subscribed there was apparently an ANNUAL charge that I authorized and did not know it. I originally subscribed for 6 months at {$19.00} per month. The renewal happened automatcially on XX/XX/XXXX at the rate of $ XXXX and charged me a one time charge of {$650.00} on that date. I was not aware of the charge and did not catch it at the time. I cancelled my account with XXXX in XX/XX/XXXX. On XX/XX/XXXX ( this year ), I received a notice from Paypal that I had authorized {$650.00} to eharmony. I immediately contacted Paypal and found that I could cut off the preauthorization directly with them, which I did. However, Paypal says the notice was that it was " paid '' not a notice that I could cancel. So, I have an appeal right now with Paypal over this charge. I contacted XXXX, also on XX/XX/XXXX to dispute the charge, and the response was that they could not find my account. XXXX has no portal for communication to them on their website. It's all through third party email, which may or may not go through. XXXX did not give me any notice of the charge on XX/XX/XXXX, nor for the charge on XX/XX/XXXX. I have paid {$650.00} both years. I have not authorized either charge. I have received no service for either charge. I realize that I should have disputed last year 's charge, but I didn't catch it. I caught this year 's charge on the day I got the email from Paypal. Paypal initially refunded the money, then they changed it and said they will not refund the money, but that I can appeal. I have appealed and am awaiting their decision. XXXX does not acknowledge my account. They have received payment they charged off as annual, so that there's less opportunity for me to see it. A monthly recurring charge would be more visible in the account. Further, I never signed up for a annual subscription. I signed up for 6 month subscription at {$19.00} per month. XXXX gave no notice that they were charging me, and there's activity on that account I closed in XX/XX/XXXX. | ||||||
| 07/21/2022 | Yes |
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| Dear CFPB, It appears that PayPal has once again frozen our account requesting the very same information they requested the last time they froze our account. PayPal is requesting documents which are not possible to provide in XXXX. Now they have even prevented my account from receiving funds from my clients and important donors from all over the world including the U.S.. PayPal is requesting utility bills as proof of business location in a country ( XXXX XXXX that still receives their mail in po box es at the post office. There are no utility bills that are issued to a business location in this country. All utility bills are sent to the listed po box . As a result, it is not possible to provide a utility bill as proof of business location. I have instead provided our business registration document which was issued in XXXX from the government of XXXX. It has the business location as an approximate area. But because it was not issued within the last 12 months, PayPal is saying they can not accept it. This makes it impossible to provide PayPal with what they are requesting since the government can not re-register us as a new business when we were registered back in XXXX. I am re-opening this case because PayPal is conducting the very same unethical account limitations as the first time I raised this complaint with XXXX and The Consumer Financial Protection Bureau. I am requesting that the XXXX provide me with assistance again so that this case does not arise again. I am also requesting that PayPal stop limiting my account just because I have done business in excess of USD {$200000.00} and I happen to be from XXXX. What they are doing is highly discriminatory and unfair. We raise funds as a church to feed hungry people in XXXX. The limiting of our account and the delayed responses after requested information has been submitted is very unprofessional. Since this is happening for the second time, we at XXXX XXXX XXXX XXXX request your immediate assistance. Kind regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/18/2022 | Yes |
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| Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it. | ||||||
| 02/22/2023 | Yes |
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| I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. I started an online record store on XXXX marketplace in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the COVID-19 pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future | ||||||
| 05/23/2017 | Yes |
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| I made a purchase throug h PayPal, fun ded by my XXXX XXXX credit card, to an out-of state mercha nt ( 4-auto par ts.com ) on or around XXXX / XXXX / XXXX in the amount of {$230.00}. Th e Merchant creat ed a fictitious XXXX shipping label and also signed for delivery to give impression that item had shipped and delivered. After no item or shipping confirmation appeared, I asked merchant about status. He was immediately abusive and evasive, so I started a dispute with PayPal. I did not feel the length of time allowed in their policy, for the seller to respond, was reasonable so I went to the funding source, XXXX XXXX to dispute the transaction directly. They immediately issued a credit for the purchase amount, but rescinded it upon response from the seller and asked for more evidence in support of my argument. I provided this additional information, and on XXXX they reapplied the original credit back to my account. Unfortunately, I received another letter from XXXX XXXX , dated XXXX / XXXX / XXXX , stating that they were rescinding the credit again, because PayPal inferred refunds had already been issued for the transaction and they were under the impression I had been paid twice. PayPal failed to disclose, however, that these applied amounts were actually valid refund amounts ( {$130.00} from XXXX , and {$32.00} from autopartswarehouse.com ) from two other completely different transactions, and from two completely differe nt vendors, both from one another, and the business named in the original dispute ( 4-Auto parts ). It is now XXXX , and I have yet to see a permanent credit in the amount of {$230.00} from either party, and both XXXX XXXX and PayPal blame the other, but have still not issued the credit. I do n't know who is lying, but someone is, and I still do n't have my money back. Further, I have asked the Attorney General 's office in the state of the merchant to investigate them for mail fraud as I have evidence supporting his questionable practices as regular occurrence as well. | ||||||
| 05/26/2023 | Yes |
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| Dear PayPal Support Team, I am writing to appeal the recent blocking and limitation placed on my newly registered PayPal account. I believe there may have been a misunderstanding or mistake in the assessment of my account, and I kindly request a thorough review of the situation. As a new user, I am eager to utilize the services provided by PayPal and follow all the rules and regulations outlined by the platform. However, I was surprised to find my account blocked and limited without any prior warning or explanation. I assure you that I have not engaged in any activity that violates PayPal 's terms of service or poses a risk to the security of the platform. I understand the importance of maintaining a secure environment for all users, and I am committed to upholding the integrity of PayPal. I kindly request you to provide specific details regarding the reasons for the account blockage and limitation. Additionally, I would appreciate any guidance or instructions on the steps I need to take to resolve this matter and regain full access to my account. Please note that the email address associated with the blocked account is XXXX. I kindly ask you to communicate any updates, requests for information, or further instructions regarding the appeal process through this email address. I am more than willing to provide any necessary documents, information, or clarification to verify my identity and address any concerns that may have led to the account blockage and limitation. I value the services provided by PayPal and would like the opportunity to continue using the platform for my financial needs. Thank you for your prompt attention to this appeal. I trust that the matter will be resolved in a fair and timely manner. Should you require any additional information or have any further questions, please do not hesitate to contact me. I appreciate your understanding and assistance in rectifying this issue. I look forward to a positive resolution and being able to resume using my PayPal account. Yours sincerely, XXXX XXXX | ||||||
| 03/25/2022 | Yes |
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| XXXXm so depress because paypal closed my account very fast and for no reason. My account to them is new and im not familiar for all the features they have in the paypal apps. I am working as a freelance coach and virtual profesional together with my staff. Im the owner of my company computer technology services world wide. The date i created my account to them is on XX/XX/2022 then i decided to closed account on XX/XX/2022 because of some mistaken information about me and my company. On the same day XX/XX/2022 i decided to try to create new one for my personal account then upgraded to the business account coz i had a true business and i believed that is the right move to grow and to expand also to get know my business better. Then on that date a day after a created my accnt i already getting and receiving payment to my paypal business account for my work and for my company services then suddenly i got some email coming to paypal asking me to upload my identification card also to explain my business. I do answer them and already upload my i.d and sent back to them. A day after after review dated XX/XX/XXXX, i got shock because of the email i received from paypal, saying im no longer do business with them because they said my account is engaged in activity to deceive paypal and its customers. Paypal company accusing me deceiving them and its costumers, why they said that? Im not doing wrong things to get paid by others i am doing very good and right business as per law. If i do wrong things to paypal. please i ask them to give any proof that im doing wrong things or i violated any rules. I am not sure if this is some mistake. Why im here to report this kind of situation. I feel they are not doing their job in the rightful way and its affecting me a nice and great deal as of now. My account still have funds and i can not manage to use it because paypal permanently limit my accnt. I get that money because of my services and not for deceiving anyone like they said to me. My email linked to my paypal account is XXXX XXXX XXXX | ||||||
| 05/10/2021 | Yes |
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| XX/XX/2021 : Purchase electronic from XXXX using PayPal pay in 4, payment processor due to its flexibility. I notice PayPal purchase protection. XX/XX/2021 : Receive the item with quality or shipping defect after testing out. XX/XX/2021 : Contact XXXX. Their agents are scripted and not in the power to help me. XX/XX/2021 : Contact PayPal via chat. Agent told me how to file dispute. XX/XX/2021 : Filed escalated dispute. XX/XX/2021 : The merchant replied to return the product to be eligible for a refund but at my own expense. I have no option to rebut from my side, only option to upload shipping info. PayPal is not investigating in the interest of consumer but in favor to merchant. They only give me option to enter or upload shipping info after the return. So I asked PayPal, " The reason I opened the dispute case was because of product defect whether due to shipping mishap or factory error right out of the bat. Why would I need to return ship to XXXX at my own expense while Its not my fault and covered by PayPal purchase protection? '' PayPal closed my chat with no answer. They are avoiding. XX/XX/2021 : PayPal is sending out the email about some changes to legal agreement. Guess what. which includes changes in purchase protection without detailing anything. but there is no answer or closure for me in dispute. The industry is taking a toll because the company like PayPal is not doing the job investigating from the side of consumer and letting merchants to rip-off when they shipped the product with no QC. It was like you go to auto shop for an oil change and was charged and told the oil change was done without actually changing the oil. Basically nothing has done and the consumers like us getting charged. In fact, ripped off. Moreover, even shipping back to XXXX, at my expense and not at my fault, is another job for consumer and it requires me to fill out custom form and then I am asked to provide XXXX XXXX XXXX ( XXXX ) number which I got no idea what that is. So, how do I ship back? Still, no answer from PayPal. | ||||||
| 04/29/2016 | Yes |
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| This is a follow up to complain case # XXXX. PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them. | ||||||
| 10/16/2020 | Yes |
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| I ordered a XXXX XXXX XXXX via internet on XX/XX/2020 at XXXX XXXX XXXXXXXX XXXX XXXX for {$61.00}, order # XXXX, and paid through Pay Pal. The company advertises that it is XXXX Owned and Operated and facilitates shipping from NY and LA. On XX/XX/2020 my package arrived tracking service : XXXX XXXX XXXX XXXX XXXX NOT from the USA as advertised, but from XXXX XXXX I was supposed to receive a XXXX, steel drum measuring 40cm x 40cm x 18cm, wrapped in hand-woven rattan as pictured and including all accessories listed. Instead, I received a tiny steel drum that measured 15.24 cm x 15.24 cm x 10.16 cm, NOT wrapped in hand-woven rattan, and missing accessories. I opened a dispute with Pay Pal on XX/XX/2020, Case ID : XXXX Transaction ID : XXXX. I explained I did not receive the item I purchased. They contacted the seller ( now using the name XXXX ) and the seller said that if I returned the wrong item to XXXX, they would offer a refund. I complained to Pay Pal that XXXX XXXX did not send me what I ordered and the seller needed to send me a pre-paid return label so that I may return their wrong item back to them. Pay Pal said that even though it was that companys error, I had to pay for return shipping and return it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I went to the post office to get an estimate and was told it would cost {$58.00} to return the package. I contacted Pay Pal back and reiterated again that I did not make the error and could not afford a return shipping cost of {$58.00} for an item I did not order. They told me that if I didnt return it, they would close my case and deny my dispute. Today, XX/XX/2020 they closed my case and denied my dispute. XXXX is clearly a fraudulent company. They are falsely advertising that they are a USA Owned and Operated company. They purposely send out low value items, in place of the original purchased XXXX. Then, duped customers must spend huge sums to return these unordered items. Pay Pal is facilitating this scam through their unfair return policies. | ||||||
| 01/10/2020 | Yes |
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| I have been using PayPal, infrequently however, for at least a year. Recently, our family has some financial difficulties that necessitated a family friend to send us {$2000.00} in emergency funds. We chose PayPal since we thought it would be the most secure. Since my parents are not technically savvy and do not have any online accounts such as PayPal or Venmo or XXXX, the money was sent to my PayPal account. When we tried to transfer the {$2000.00} " instantly '' for a 1 % fee, the transfer was placed on a 72 hour hold pending additional review. When I contacted PayPal Support via their Chat Support to inquire why a hold was required, they could not provide a reason and they advised me that I just had to wait. Since our family needed immediate access to funds for living expenses, such as groceries and my parents ' medication, the PayPal Agent cancelled the transfer and referred me to use the " Get Cash '' option where I could withdraw up to {$500.00} at a XXXX Customer Service desk. I fot llowed their instructions and was able to withdraw cash. Early the following day, I discovered my PayPal Account was placed on " Limited '' status which meant we could not access the remaining funds in my PayPal Account. Ironically, the cash withdrawal from XXXX may have triggered the " limited account '' status until I provided an explanation for the transaction. Moreover, they requested a copy of my bank statement. I do not understand why PayPal 's system seems to flag my account frequently and still requires 72 hours hold even AFTER I've provided documentation and an explanation for the activities on my PayPal account. I believe that PayPal 's algorithms for detecting potential fraud may actually include a person 's surname, which in may case is a XXXX surname. I have used both XXXX XXXX and XXXX XXXX, and I have received larger amounts of money from relatives to help pay for my college expenses. I was able to transfer to my bank instantly without any issues or delays. Not a single transaction has been placed on hold or delayed. | ||||||
| 03/12/2020 | Yes |
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| On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur. | ||||||
| 10/18/2020 | Yes |
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| I made a purchase on XXXX in XXXX of XXXX. It was for a preorder of a figure by XXXX called XXXX XXXX. It is item number XXXX and is in the amount of {$180.00}. So the products of XXXX are always in high demand, and they sell out very quickly. I trusted this seller due to a positive feedback rating of 98 % with over XXXX transactions. I had no reason to question my purchase, until I got scammed by this seller. I have waited for such a long time for this item to release and now that it finally has, the seller says he doesnt have it and wants me to wait for more to be produced. I contacted the manufacturer myself and he said that they will not produce more for atleast another year. So, I asked for a refund, which he told me he would give me, but I have yet to see it. I have included conversations of our messages during this time to prove that I still havent received the item. I have contacted XXXX, and they refuse to help me since Im no longer in their 30 day protection window. PayPal also refused to help me, saying that Im past their 180 day protection window as well. I even called them on XX/XX/XXXX and spoke with two people as well as a manager. They refused to help me knowing that I never received the item that I preordered. I feel that because of my unique circumstances stances of being a preorder, I should be protected regardless of their policy which doesnt mention preorders. Bottom line is that I never received the product I paid for and both companies have let me down in a big way. I have been a loyal customer for 15 years and this is how they treat me. My last hope was to communicate with this seller, but he knows he already has my money, so he doesnt have to send me anything. He is a seller from XXXX named djfungshing and Ive been finding out from people online that theyve been ripped off by this guy since he was under another name called XXXX XXXX as well. The PayPal representatives even admitted that theyve had complaints about this guy, but couldnt do anything about it. I just hope that you can help me. | ||||||
| 06/28/2016 | Yes |
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| I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business. | ||||||
| 04/01/2020 | Yes |
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| Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. Monday, XX/XX/2020 I made a sale on XXXX for an XXXX XXXX XXXX '' XXXX generation XXXX GB. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? Account ID : XXXX Furthermore in PayPals last response they stated the reason for holding the funds was so there would be sufficient funds in the event of a chargeback or refund. I HAVE ALREADY WON TWO, not one but TWO OPENED CASES FROM THIS ONE BUYER. The last case I won was because the buyer claimed unauthorized transaction, but the transaction was indeed authorized so I beat that case as well. Because of this there is NO OTHER REASON FOR PAYPAL TO CONTINUE HOLDING MY FUNDS. | ||||||
| 10/13/2015 | Yes |
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| My complaint is with the PayPal Credit offering ( formerly known as Bill Me Later ). Earlier this summer, I apparently accidentally signed up for this " line of credit '' after trying to pay with my usual credit card on my PayPal account. When I was paying, they asked for my birthday and last four digits of my social ( which I just assumed were generic security questions websites use to verify identity ) -- but apparently they were asking because I did n't realize the option for " PayPal Credit '' was n't just my credit card. They then took all my other info they had saved to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted XXXX. When I called PayPal and said I did n't authorize opening this account, PayPal first told me to file XXXX with PayPal, then PayPal told me to send a written request which they forwarded to XXXX and it was rejected. By the time I spoke with someone from PayPal again, they ( finally ) basically explained that they have an option on their website when paying to use " PayPal Credit '' instead of " PayPal '' which I apparently selected on my account. I said this is evidently not clear. I actually asked how this was permissible -- I never signed anything saying they were allowed to do this check or given other info to them. They said they had my electronic signature " stored '' elsewhere as part of my account and that they used that to authorize the line of credit. So by just filling in my date of birth and last XXXX digits of my social security during checkout ( which I assumed was a security check ), they took all my other info and used it to authorize the account. I closed the account, but my biggest issue is that this actually went against my credit report as a credit inquiry which will stay on there for two years. Personally, I consider this intentionally ambiguous website design to trick customers into signing up for the line of credit. | ||||||
| 04/04/2015 | Yes |
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| Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. Thank you, XXXX XXXX | ||||||
| 08/19/2021 | Yes |
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| On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days. | ||||||
| 10/25/2021 | Yes |
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| On XX/XX/2021, I received an email from PayPal stating that my account has been limited. The email states that PayPal had requested information from me which I haven't provided and he's the account has been limited which is not true. I received the email asking for information and stating that the account is limited at the same time with no prior notice. ( Ref ID XXXX ) I then immediately submitted all the information that PayPal requested from me XXXX That included a copy of my driver 's license, proof of address, bank statements and credit card statements of all my accounts and cards associated with PayPal as well as proof of ownership of those accounts, I also provided an explanation of the transactions PayPal had asked me about. I have read all of PayPal 's terms and conditions and I don't believe that any of my transactions goes against PayPal 's user agreement, terms and conditions or TOS Terms of Service. I then very shortly after received an email stating that I'm permanently banned from using PayPal ; without any explanation. I believe that this is either a discrimination against me personally or a system error. As nothing of what I do is against PayPal TAC and I have been using the service for several years now. I tried contacting PayPal several times and no one is helping I use PayPal to receive rebates on some products I purchased for the purpose of testing on my XXXX channel as well as often making unboxing videos of their products and providing designs and marketing advice for the manufactures. XXXX XXXX XXXX I have also previously used PayPal to send money to family and friends in the US and in my hometown in XXXX. I never had any issues with PayPal for years now and never had a dispute on my transactions ( Except one made by mistake and canceled later by the other party ). I'm asking PayPal to look into this matter and to reinstate my account again. If PayPal needs any additional information from me to verify my ownership of my accounts I'd be more than happy to provide anything that's needed. | ||||||
| 03/06/2020 | Yes |
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| I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. My paypal account had an " alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a " temporary limitation '' on my account to " verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. On XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. A direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. Paypal removes the alleged XXXX owed and unjustly puts a " permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). 5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. . | ||||||
| 03/22/2021 | Yes |
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| Iam an individual of XXXX descent and have been using PayPal for quite a while now, on XX/XX/2020 my account unfortunately got permanently limited due to issues I'm not familiar with and neither were they explained to me in detail as to why it happened, on the other hand, I read that this sometimes happens with PayPal accounts if you log into your account with a different gadget be it a phone, tablet or desktop it happens and on this day it happened to me. The account was more than a year old and no fraudulent transactions were associated with it.Whenever I'd try to reach PayPal I'd get an automated message from them which really doesn't assist me on how to get the money back from the account which is why I'm coming to you now .... I learnt that this website, consumer finance.gov can assist citizens and non citizens of the United States in such a case and also because PayPal is a company governed by laws of the United States, which is why Im Writting to you and making this complaint, also I have no other way to reach PayPal as via phone calls is also not so swift. I would highly appreciate it as the money in the account is about 500 usd which is quite alot in my country and it would greatly assist me especially now that I need it to take my girlfriend to hospital for check up, she's now XXXX XXXX XXXX please see if there's something that can be done for me to atleast get the money from my account, no complaints or whatsoever are associated with the account, it's an individual account and not a business account the money I received was purely for personal reasons which is why I have to ask for an appeal and also because I brought up a complaint about the same but wasn't really fairly looked upon I hope you will put more consideration into this. Thank you for your time.Also, I'd like to point out that the email address I have used below for the updates you'll send me is for my PayPal account as well and that it belongs to me personally and in no circumstance am I doing this for anybody else but myself entirely! | ||||||
| 04/13/2020 | Yes |
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| At some point in the past I had an online account with Venmo ( https : //venmo.com/ ) which is a service of PayPal, Inc. , allowing its users to transfer money between themselves. On XX/XX/XXXX I received a email from Venmo advising me that : " THE STATE OF CALIFORNIA REQUIRES US TO NOTIFY YOU THAT YOUR UNCLAIMED PROPERTY MAY BE TRANSFERRED TO THE STATE IF YOU DO NOT CONTACT US. '' When I attempted to log into my account the same day I was denied access, despite having the correct username, recovery email address, and password. Repeated attempts to correct the situation with Venmo customer support have failed. Currently, Venmo is refusing to give me access to my account, nor will they propose a solution which would allow me to recover the funds in the account and close it. While Venmo has a responsibility to require its users to authenticate themselves, they have made it impossible in my case. Below is a summary of my correspondence with Venmo customer service. 1. I opened and used an account with Venmo using my US phone number XXXX. 2. At some point, Venmo changed their authentication procedure, implementing a 2-factor system which requires a US phone number. 3. In XXXX I moved to XXXX, where I have resided for the last three years. I no longer have a US phone number. Additionally, the credit/debit card numbers I provided did not correspond to what they had on file. 4. Venmo 's secondary authentication solution requires sending them a photo of the user 's valid state-issued identification. However, my California driver 's license has expired, so they will not accept it. ( Also, Venmo has a truly atrocious online reputation as far as security goes, so sending them a photo of my ID seems like running a significant risk of identity theft. ) 5. In their last message Venmo are offering to return the money in my account to the individuals who sent it to me. That is not a satisfactory solution, since I have no idea who those individuals are, nor how much money is in the account. It would amount to theft. | ||||||
| 01/17/2019 | Yes |
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| I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license. | ||||||
| 06/08/2023 | Yes |
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| Dear PayPal Team, I hope this message finds you well. I am writing to express my concern about the recent limitation placed on my PayPal account, registered under the email address XXXX. I have been informed that this limitation is permanent, which is causing me significant inconvenience. I strongly believe that this action may have been a mistake, and I respectfully request your assistance in revisiting this decision. I am confident that I have adhered to all the policies and guidelines that govern the use of PayPal services. As a diligent user of your platform, I have consistently maintained a high level of adherence to PayPal 's user conduct and transaction guidelines. I always strive to ensure that my transactions are transparent and within the legal and ethical boundaries set forth by PayPal. Therefore, I am baffled and distressed by the abrupt limitation placed on my account. I kindly request a comprehensive re-investigation into my account activities. As I am certain that I have not violated any PayPal policy, I believe that this inquiry will clarify that the limitation on my account might be an oversight. I understand that PayPal has a strong commitment to keeping its platform safe and reliable for its users, and I am confident that a detailed review of my account will reaffirm my compliance with PayPal 's rules and regulations. Should there be any specific transactions or activities that have led to this restriction, I would appreciate it if you could provide me with the necessary details. I am ready to provide any further information or clarification that may be required during the re-investigation. The functionality of my PayPal account is critical for my personal and professional transactions. A permanent limitation poses a significant hurdle for me, which I hope can be rectified swiftly. Thank you in advance for your assistance and understanding. I am looking forward to a positive resolution and the restoration of my account 's full functionality. Yours sincerely, [ XXXX XXXX XXXX XXXX | ||||||
| 10/13/2020 | Yes |
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| Hi! I submitted a separate complaint recently about XXXX XXXX that has been resolved if you wanted to see more context but the major issue was with Venmo. In short, on Thursday XX/XX/XXXX I received a " spam bomb '' to my inbox and in there was a notice my primary email address on Venmo was changed. In addition the listed cell phone number was changed. I suspected easily preventable fraud was incoming so contacted Venmo, as well as XXXX XXXX whom my Venmo is linked to, asking to stop any future transactions on or related to Venmo. In addition I had Venmo freeze my account and was hoping to get my log in information reverted back to my actual email address and phone number. Venmo itself wasn't taking phone calls given COVID so an email was sent and responded to by them, freezing my account and I thought I was double covered. On Tuesday XX/XX/XXXX, after the stop orders and freezing of accounts should have been in effect, I wake up and find two unauthorized transactions have been sent from Venmo to my XXXX XXXX account, totaling ~ {$3000.00} and Venmo had drained my XXXX XXXX checking account to the point there was an overdraft and assorted fee. These occurred late on XX/XX/XXXX? I message Venmo back to inform them of this and to shut down my account as to this date they have still been unable to revert the associated frauded phone number on the account back to my actual phone number. In addition, Venmo denied both disputes within minutes of opening the case on each, ~a week after this preventable fraud, though I got the money back from XXXX XXXX so was not harmed by this. Payment IDS were ID # XXXX and ID # XXXX. Venmo has now refused to shut down my account unless I provide them with even more information such as a picture of me with an ID and I don't trust them with more information than they have so my Venmo account is still open. In addition, I can't even reset the password as I need to verify a change with the phone # associated with the account which is now a fraud phone number I don't have access to. | ||||||
| 12/19/2015 | Yes |
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| This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. The promotional interest charges that should be waived total {$340.00}. | ||||||
| 06/01/2018 | Yes |
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| XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} THESE ARE REFUNDS To my prepaid debt cards has nothing yo do with y paypal account it stands alone they put a hold o both of y cards 1 ending i XXXX & XXXX business debt card 4 six months 180 days which is cash money i funded to my card they say i was sending money to myself however i was sending money to a business account 180 is out of the normal time frame to hold a consumer money | ||||||
| 12/14/2023 | Yes |
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| I sent a payment of {$550.00} to XXXX XXXX XXXX, from church donations on XX/XX/XXXX. The amount was immediately taken from my account, with additional fees that total {$21.00} but has not been released to XXXX as of today, XX/XX/XXXX. I've since sent the same amount, using an alternate method. I've reached out to PayPal to ask that they release the funds, as has XXXX. I've been told that the funds can not be refunded to me because they've been released to the seller, which isn't true. XXXX was told that he can not access the funds as the seller and was provided with a list of generic reasons for withholding, that do not contain any process to rectify the issue. Today, on a call with XXXX in PayPal 's customer service department, I was told that PayPal can not do anything until after 180 days and can hold the money indefinitely. The bottom of the transaction email states that I have 180 days to dispute a transaction- I feel like PayPal is attempting to keep funds that aren't theirs by delaying recourse, believing that I won't take action. These funds belong to my church and are intended to support orphans. PayPal seems content with literally stealing from the mouths of babes. This is not acceptable. Both XXXX & I have attempted to resolve this matter with PayPal directly, but they seem to be intent on holding these funds until beyond 180 days to prevent paying or refunding monies it has not earned. The 180 days expires on XX/XX/XXXX - a little more than a month from today. It is ridiculous that a company of its size would attempt to steal $ XXXX from a church and the orphanage it supports. I appreciate any assistance the CFPB can offer to resolve this matter, but ultimately am seeking a return of the funds and service fees paid - which I'm sure XXXX will approve or immediate release of the funds directly to XXXX. Otherwise, we will have no choice but to seek legal action - to the fullest extent that criminal and civil courts will allow, as these actions constitute theft. Regardless the amount, it is theft. | ||||||
| 04/07/2017 | Yes |
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| I am an XXXX citizen living presently in XXXX. I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious! | ||||||
| 08/29/2022 | Yes |
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| I tried to use XXXX to transfer money to an acquaintance of mine who submitted a " Send money request '' through Paypal. Somehow when I tried to make a payment, the site has redirected me to XXXX, a Paypal 's affiliate. I never even created a XXXX account in first place. XXXX 's website showed that this transaction can not be completed. I contacted XXXX and they said that I violated their User Agreement and that I can appeal the decision. I sent an email to XXXX telling them that I would like to appeal this decision but without letting me know what happened and allowing me to explain the situation, they permanently closed my account because one of my recipients has violated their User Agreement. If this is their policy, then they need to make sure that if someone has violated their User Agreement, then senders need to be informed about that so they do not inadvertently violate the User Agreement. I feel like that I did not do anything wrong. If somebody violated their User Agreement, why does XXXX hold me accountable for something I was not aware of? It was not my choice to knowingly violate their User Agreement. I want a more detailed explanation from XXXX. Here is their email : Dear XXXX XXXX, Customers may not use XXXX service in violation of XXXX User Agreement or applicable laws, rules or regulations. It is a violation of XXXX User Agreement to use the service for any of the following activities, including but not limited to : sexually-oriented materials or services ; gambling activities ; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. Additionally, sending money to a recipient who has violated the User Agreement will affect your ability to use XXXX. Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your XXXX account XXXX Our complete User Agreement is available for review on our website. Thank you. XXXX Customer Compliance Team Thank you! Thank you. | ||||||
| 01/20/2016 | Yes |
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| Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. I do not get paid until my job is completed and the client is satisfied. Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. My clients have been forced to pay higher rates to process payments to me. This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. XXXX XXXX XXXX | ||||||
| 05/22/2015 | Yes |
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| On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal? | ||||||
| 10/05/2023 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I transferred {$1600.00} from my PayPal account to my bank. The transfer was recorded by my bank on XX/XX/XXXX but on XX/XX/XXXX this transfer was automatically reversed by the bank due to an account number discrepancy that prevented the bank from accepting the transfer. This can be seen in the attached screenshot from my bank records. The funds have not been returned to my PayPal account nor have they been credited to my bank account. At this time, these funds are missing. I have used the facilities provided by PayPal to resolve this issue. I opened a case with PayPal on XX/XX/XXXX. That case number is XXXX XXXX My case and subsequent appeal has been denied as PayPal has determined that the initial transfer transaction appears to have been completed successfully. On XXXX XXXX, XXXX I obtained the XXXX reversal transaction trace ID from my bank. That number is XXXX. That same day, XX/XX/XXXX, I provided PayPal with this information with the request that they trace the transfer to determine what has happened with the funds. It appears that PayPal did not take investigative action with respect to the additional information I provided nor did I receive any correspondence or contact from PayPal to further clarify the specifics of my case. The additional information I provided was specifically related to the trace number ( # XXXX ) provided by my bank to facilitate research of my banks reversal transaction transferring funds back to PayPal. Funds which have not yet been credited back to my PayPal account. With regard to submitting issues to PayPal through their on-line facilities, I am limited to reporting problems related to transactions initiated from my PayPal account however, my issue is with a bank reversal transaction initiated by my bank. I have no way of identifying this type of transaction from within PayPal 's resolution center. Additionally, I only had one opportunity to appeal or dispute PayPal 's determination and there are no other ways to escalate my case that I have found. | ||||||
| 07/14/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to you regarding the recent blockage and limitation imposed on my newly registered PayPal account. I am reaching out to clarify the situation and request your assistance in resolving this matter. As a new user on the PayPal platform, I was excited to join and utilize the services provided. However, I was surprised to discover that my account has been blocked and limited, preventing me from fully accessing and utilizing the features and benefits of PayPal. I would like to emphasize that, as a newcomer, I have not yet had the opportunity to engage in any transactions or actions that could potentially violate PayPal 's terms and policies. Therefore, I am confident that there has been a misunderstanding or an unintended error in assessing my account 's activities. I kindly request a thorough review of my account to identify the specific reasons for the blockage and limitation. Understanding these reasons will enable me to address any concerns or issues promptly and rectify the situation accordingly. To facilitate communication and ensure a swift resolution, I would appreciate it if you could provide me with any necessary instructions or steps that I need to take. Additionally, please consider this email XXXX as the primary contact method for any updates or further correspondence related to my account. I am more than willing to cooperate and provide any additional information, documentation, or identity verification materials that may be required to confirm my identity and resolve this issue. I highly value PayPal 's commitment to maintaining a secure and trusted platform, and I assure you of my full cooperation. Thank you for your attention and understanding in this matter. I genuinely appreciate your prompt assistance in resolving the blockage and limitation on my account. Please feel free to contact me if you require any further details or if there are any additional actions I should undertake. Sincerely, XXXX XXXX | ||||||
| 11/13/2020 | Yes |
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| On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account. The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void. PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success. PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active. The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately. | ||||||
| 08/09/2020 | Yes |
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Web | Older American |
| I deposited my stimulus payment and Soc.Sec. disability check along with some extra that I'd saved ( {$2200.00} in all ) to my Paypal, account and within 2 weeks it had all just disappeared from my account. No explanation as to where it went or why. After much time and freaking out, I looked like it had been sent to XXXX XXXX, and then XXXX XXXX, and then even XXXX ( with several other places in between ). I received 2 Visa cards which had no dollar amount of how much they were worth, and hints about activating them and using them on cash.app. I'm XXXX, and I barely know how to use my XXXX, and it's too old to even download a XXXX XXXX. I complained to XXXX XXXX XXXX and they made a claim to XXXX XXXX, which I'd never even heard of, but I think that Paypal is responsible for 'losing/stealing ' my money. I'd had my account there since XXXX, and this really shocked me, that they would do this. I really need that money back as it is all that I have. I had signed up to have my government check directly deposited, and the very first month, it was taken ( on XX/XX/XXXX - in 2 withdrawals, one for {$980.00} and one for {$1200.00} ) I have gone round and round with Paypal, but for the most part they just play dumb- they even told me they didn't know where they sent it! Before I noticed that it was gone, I tried to buy a couple birthday presents for my grandaughter, and my card was turned down. Those and a couple more attempted purchases, and my credit is now plummeting. There's no way they can truly make this up to me, but they could at the very least GIVE ME MY MONEY BACK. And, by the way- because they accepted my SSDI check in a direct deposit and then stole it, it needs to be reported to Social Security- along with my stimulus check. I've also questioned XXXX XXXX, XXXX XXXX, and XXXX, and no one seems to know anything! I've never heard of anything so openly crooked in my life! The image I'm attaching says " instant transfer using card ''!! MY CARD?! What business did they have even being in my account? | ||||||
| 02/18/2020 | Yes |
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| Recently, Paypal decided to close my account that I've had with them in great standing for several years out of the blue and without a warning. Paypal is notorious for doing things like this as I have uncovered from other people 's complaints. In my case, they approved me to get paid out right away which is a privilege to have with this company and only reserved for the customers who are in good standing with this company, I believe it's called funds now. Which confirms the fact that I have a great track record with them. However, a few weeks ago, I go to log into my Paypal account and wouldn't you know it, I get a message telling me that I have violated their terms and/or conditions and that they no longer wish to do business with me. Why????? Why Paypal???? How about an explanation about why you would treat a long standing great customer such as myself like this all of a sudden? I have done nothing wrong or out of the ordinary and you drastically shut me done and treat me like some kind of infectious disease. This is unacceptable! The only transactions that I have recently done on my account around this time was to receive rent payments from a guest chef that was visiting from XXXX to open up a new restaurant in downtown XXXX. He stayed with me for a couple of months while I rented out half of my apartment to him-Legally! And the other transaction was to receive payment for a cell phone that I sold to someone from XXXX that came to my home and picked up the phone and could only pay me by sending it through your service to my account. That's it! So, you want to tell me now how I have violated any of your terms and conditions in any way with these transactions?? Enlighten me please. Or, can you tell me what was unsafe about either one of those transactions? Nothing! They were all legitimate and normal transactions and for you to close my account just like that for conducting these normal transactions or without any warning is wrong and unprofessional. My login user id for this account is : XXXX XXXX | ||||||
| 06/09/2020 | Yes |
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Web | Older American |
| Account Limitation I have been with PayPal since it's inception and have faithfully remained a customer, that is until XXXX, 2020. A tenant of mine couldn't get out due to the COVID-19 lock-down so they paid their rent money to my PayPal account. PayPal flagged my account as " suspicious activity and put a hold on my account. This is the message I received : Your account access is temporarily limited. Some of your account information is shared with an account that has a problem. Please resolve the issue in the impacted account. If you have questions or know this other account isnt yours and need to appeal, contact us. We need you to take action on your account. Some features in your account will be limited until you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. If you're unable to submit the required information by XX/XX/2020 or if we notice additional changes in your account activity, your access will be further limited. Oh, yes, my account has been further limited ... ... I went to the resolution center and followed the instructions. 1 ) Change my password. I did so reluctantly. 2 ) Submit a photo ID : I did so reluctantly. Photo ID : accepted. 3 ) Submit a bank statement. I did so reluctantly. Statement pending review. My bank statement has now been pending review for 2 months!!!!!! I have called every number listed for PayPal, I have sent messages to PayPal and I have received no response yet. I have written the governor of California asking for anything that might help me gain access to literally thousands of dollars in my account that I sincerely need. All I get is recordings that state " due to the corona virus, customer service has been closed. Really??? I am at my wits end..Can anyone help me out here? Please. The Paypal corporate office phone number is : XXXX For customer services, you can call : XXXX XXXX XXXX For sales support, call : XXXX. However, no one will answer and you can't leave a voicemail. | ||||||
| 06/05/2020 | Yes |
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| Hello, A month ago, I decided to open a new PayPal account to receive payments from my friends, or sometimes for my small digital sellings, since I rarely sold stuff, I didn't wan na make a business account, a week later, after receiving some credit from friends, PayPal has decided to limit my account. Me, as a legit person, have decided to provide my bank statements, ID card, Passport, and even most of the information asked, unfortunately, there was a technical issue, and whenever I clicked on confirm identity an error message popped, I decided to make many phone calls every day in order to solve the problem and provide the one left documents needed, I emailed you and messaged you multiple times hoping for support, unfortunately, I haven't received ANY response, I decided to message support via XXXX, still no response, then finally I went on XXXX, and after messaging from both of my accounts and after A WEEK, I got finally a response, they all promised the same thing until today I kept asking via dm to look through my account to see where is the problem, unfortunately, I received an email saying my account got PERMANENTLY limited, without stating the reason why, apparently I haven't done ANYTHING wrong, I have always been a great user, never did anything bad. Today after permanently limiting my account, I have 70+ dollars in hold for 180 days, I am still a student and I need that money in order to buy groceries and stuff, I've been very patient and they were all rude and never answer phone calls or help, they just say the same things, while contacting them again they said they can't help. Please try and help me solve this issue. I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. Thank you. My PayPal email : XXXX My PayPal Reference ID : XXXX Sincerely. | ||||||
| 08/03/2021 | Yes |
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| HI. I am submitting a follow-up request to have PayPal review my account further. The previous case that was submitted stated they were unable to release funds due to me receiving unemployment in XXXX and XXXX. I have a rental property in XXXX which allowed me to qualify for unemployment in XXXX. Due to COVID-19. I was unable to rent out the rental property on XXXX as before. As far as XXXX, I am a previous resident and ran an event planning business nationwide, with most of my business being in XXXX. I am XXXX XXXX and have only lived in XXXX for a short time with close family due to the situation. My business is still based out of XXXX. I have submitted proof of my XXXX residency by uploading my XXXX ID card. In parenthesis is a link to my XXXX page which also shows proof of my event planning business which is in XXXX. ( XXXX XXXX XXXXXXXX ) I also uploaded a screenshot below of the XXXX property that I rent in Arizona which qualified me for unemployment in XXXX. I have never been a resident of XXXX but in fact a property owner. Both XXXX and XXXX have been reported on my end to know that I am receiving unemployment from both states. I was stuck in the backdate process from XXXX since the beginning of the pandemic and finally was released in early XX/XX/XXXXwhich caused a bunch of payments to come into my PayPal account at such a rapid pace.. The payments from XXXX were paid accurately on dates that were not paid for XXXX. I was eligible to receive payments from both states per the unemployment guidelines as long as I reported each state. I hope this detailed information provided is enough to have my funds released as I have not committed any violation and have provided the necessary information to have them released. I am willing to provide any additional information upon request from my lawyer which I have listed their information below. Thank you for the additional review and I hope this is enough information to prove that this was a mistake. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX | ||||||
| 06/13/2022 | Yes |
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| On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research. | ||||||
| 06/21/2023 | Yes |
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| I was a first time user with the venmo company. So I opened a venmo account and I had to submit a front and back copy of my driver 's license to receive the direct deposit information, I submitted the front and back copy of my driver 's license my account was reinstated and I received my direct deposit information which I submitted to my school to send me a refund. In the user agreement it said nothing about I had to be lower than any specific amount to receive a direct deposit so the school sent me a total of {$1200.00}. Then more is saying because of the following On XX/XX/2023, these tools identified your Account as potentially high risk. In this case, our internal security system identified that your recent Payment was for an amount significantly higher than previous payments you received. Historically, this type of activity carries a higher-than-average risk of fraud and can be indicative of potentially unauthorized account access. ) This is why my account has been frozen and my funds is being placed on hold for 180 days. The issue I'm having with the response that they gave me is because they never said in their user agreement that they were going to compare my incoming or outgoing transactions to determine whether something was wrong but because they said that they had took notice of the amount that I received from my school to be an amount higher than I usually receive is an issue because I've never received any money on this venmo account for them to compare to this was my first and only transaction on this account so when they froze my account I submitted the same front and back copy of the driver 's license that they received the first time when I opened the account to receive my direct deposit information but this time they said that it wasn't legible so that's why they're holding my funds for 180 days which I don't believe is fair or right. I am requesting that my funds either be open for me to remove them from the account or that venmo reverse the {$1200.00} back to my school ASAP. | ||||||
| 11/26/2023 | Yes |
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| On XX/XX/XXXX received email notification that 2 Venmo transfers were made each in the amount of {$300.00} and the funds for the transfers were debited from my associated XXXX XXXX checking account. My Venmo phone app confirmed this information too. I did not authorize either transfer. One of the transfers was to a friend on my " Venmo Friends List '' the other was to someone I do not know. I called my friend and he did in fact receive this unsolicited transfer of {$300.00}. I called Venmo customer support and reported the fraud and was told an investigation ( # XXXX ) would be done. A few days later, I received an email from a Venmo " account specialist '' indicating that their investigation determined that the 2 transfers were " not unauthorized '' and my claim was denied. I called Venmo customer support wishing to speak with this account specialist or anyone in their fraud department to ask question about just how this investigation was done. I was informed that the account specialist team members conducting these investigations will only communicate with customers by email. I responded to the email asking for the document ( s ) used to conduct their investigation. After more calls to customer support and additional emails, I was finally sent a document ( attached ) that seemed to prove the transfers should be deemed, at the very least, suspicious. The doc showed previous authorized transfers coming from one device from a location listed as " XXXX XXXX, NJ, XXXX ''. The two fraudulent transfers came from a different device number and lists the location as only " US ''. Most importantly, the time of the transfers was listed as XXXX XXXX for both. I subsequently learned from yet another customer service rep that the transfers actually came within 5 SECONDS of each other which she agreed was improbable and likely due to a " glitch '' in their system. Yet, I still am unable to speak with any " account specialist '' and I believe this is done deliberately to thwart any reasonable fraud claims. | ||||||
| 08/02/2023 | Yes |
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| I hope this message finds you well. I am writing to submit a complaint and appeal regarding the permanent limitation placed on my PayPal account ( XXXX ). I strongly believe that this limitation is a result of a mistake, as I have not engaged in any activities that violate PayPal 's policies. Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for several years, and I have always adhered to the terms and conditions outlined by PayPal. I have never conducted any transactions that go against your policies, and I have consistently provided accurate and verifiable information during my account usage. Regrettably, I was taken aback when I received the notice about my account 's permanent limitation. I have reviewed your policies thoroughly, and I can confirm that I have not violated any of them. Therefore, I kindly request PayPal to re-investigate my case diligently to rectify this situation. I understand the importance of maintaining a secure and trustworthy platform, and I fully support PayPal 's efforts in safeguarding its community from fraudulent activities. Nevertheless, I am certain that my account has been mistakenly flagged, and I am willing to cooperate fully with any investigation required to clear my account of any suspicion. Considering my longstanding history with PayPal and my commitment to adhering to your policies, I sincerely hope that you will reconsider your decision to permanently limit my account. Restoring my account would not only reinstate my access to essential financial services but also reaffirm my trust in PayPal as a reliable payment platform. I kindly ask that you give my appeal the attention it deserves and conduct a thorough re-evaluation of my account activity. I trust that your re-investigation will result in the reversal of this limitation, allowing me to resume my normal account usage without further disruption. Thank you for your time and understanding. I eagerly await your response and a resolution to this matter. | ||||||
| 11/15/2022 | Yes |
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In summary, Paypal won't close my account without me sending them a full credit card statement from my bank with all my personal info, or making 2 deposits to my now credit card ( not an option due to them being closed ).
A couple months ago, I received 2 fraudulent transactions for low amounts to XXXX XXXX 's ( | ||||||
| 01/04/2018 | Yes |
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| Good afternoon, My name is XXXX XXXX XXXX I am having a huge issue with PayPal and I beg for your help. A few months ago I had a event in XXXX Florida, my family XXXX XXXX and local XXXX to XXXX. My sales rep. displayed our XXXX at a Golf Event and sold 5 XXXX. Not being familiar with PayPal as I usually use XXXX, I asked PayPal if It were ok for us to invoice and deliver XXXX. I was told yes and that I was covered and protected. I emailed a invoice to each of the buyers, from what I am finding out all of them know each other and from the looks of things are scamming me. Invoice was notated XXXX were delivered and non refundable. We sent the buyers each a invoice. Invoices : 1. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. XXXX. XXXX # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 3 Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4500.00} USD invoice to XXXX 4. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$3000.00} USD invoice to XXXX. 5. Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4100.00} USD Invoice to XXXX. All buyers paid for the XXXX and weeks later started reporting the transactions as unauthorized. After speaking to PayPal on several occasions I was told not to worry that would not let this happen to me and the investigation could take up to 6 months. On 2 different occasions when these buyers reported transactions unauthorized, I called PayPal and both reps immediately put my account to a positive balance instead of negative again saying they would not let the buyers get away with this. Not even a month went by and PayPal decided on the buyers side and started refunding these people there money back. Leaving me without my XXXX and a extraodinary negative balance on PayPal. I am concerned about this as I take care of my credit and have never had a issue before with a negative balance anywhere. I hope CFPB can help me with this matter as I have already consulted a attorney and this is extremely expensive. Thank You | ||||||
| 08/21/2021 | Yes |
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| Hello CFBP, My name is XXXX. I have a serious issue with Venmo. On XX/XX/2021 XXXX XXXX Mountain Time {$1400.00} was sent to me from my other account using my XXXX XXXX card. I tried to transfer the money but it wouldn't let me so I waited till XX/XX/2021 to email a ticket notifying them to unfreeze my account. I was contacted by customer service agent named XXXX XXXX on XXXX XXXX at XXXX XXXX Mountain Time who forwarded my ticked to someone named XXXX XXXX an Account Specialist. On XX/XX/2021, XXXX XXXX emailed me to send them my ID and bank statements to prove to them that the card itself was mine and under my name. I sent them my ID and bank statement around XXXX XXXX Mountain time the same day. On XX/XX/2021 XXXX XXXX emailed me mentioning he has permanently deactivated my account even though everything I sent to him was valid. I emailed him back around XXXX XXXX Mountain Time mentioning I could provide more info to verify that the card was mine. I even offered my own social security and birth certificate. In the email he mentioned I violated one on of their policies and didn't clearly say what policy. The communication from him was very unprofessional and not informational. In the email it mentions they would be holding my funds for 180 days which is awful when I am in desperate need for the funds. I need the funds in order to pay my bills and utilities. Holding my funds for 180 days almost sounds like tyranny in my opinion. I've have been trying to get a new account specialist to look at my account and trying to get it unfrozen but Venmo seems to be ignoring my tickets. I desperately need my funds in order to pay my bills and other things in my life. I have also read on the web that they are doing this to many other people who are in need as well especially in this pandemic. CFBP if you could please help me get this issue fixed, I am in huge need for a resolution to the unprofessional work Venmo has done to me. In the following documents I will provide proof of my complaint. | ||||||
| 02/18/2018 | Yes |
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| This is a complaint that regards a previous one, just in case PayPal ignores. PayPal said no errors occurred in PayPals processing of transactions, but this is still not answering two of my previous questions 1 ) and 4 ) : 1 ) like PayPal said : If youd like to cancel an eCheck after its issued, please call your bank, so I am asking, what does issues mean? Is pending considering issues? PayPal didnt state at all. Its term in help center is not clear. 4 ) PayPal customer service. Like I say, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. So no errors? Here is one more question : If PayPal still have the bank statement that I submitted, PayPal should notice that my bank balance is only {$700.00} before I made any transactions. So have does PayPal make both Payment 2 and Payment 4 completed? That is total {$1400.00}. PayPal said Both of the documents you provided were heavily redacted. Yes, I cover my money balance and part of my account number on the bank statement and my height, weight, etc on the driver license. I dont see how these information related with the confirmation of my identity. If so, please provide details information of what PayPal needs to see to verify my identity. So far, I only received one email about the bank statement of one account is invalid and I resubmitted. Everything else still shows submitted for review for a week long. Please dont make up things. Additionally, I have two more transactions ( 7 & 8 ) showed up on my account on XX/XX/XXXX. PayPal customer service said this is a second attempt, but in my PayPal account activity shows all transactions are categorized as Completed. I believe what I submitted previous can back up my story. So no errors? Right now my PayPal balance is {$1400.00} ; however, even I deposited another {$200.00}, and still cant explain how PayPal get the additional {$500.00} from my account. | ||||||
| 11/28/2017 | Yes |
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| I closed my business Paypal account in XXXX with a zero balance which Paypal says it has to be to even close an account. XXXX XXXX, XXXX Paypal linked to my new account with {$560.00} in it and froze it without warning. Apparently their was credit card chargebacks on my old account that I had previously closed. There was 11 customers who received their luggage and they chargeback on my account that was closed. If I was alerted to this problem and showed Paypal my tracking numbers these customers would not have been able to chargeback on my closed account because it would have showed that the luggage was delivered in good working order. But since I was not notified by mail or email which Paypal had and did not notify me, a amount of {$600.00} was charged back on my old closed account. When I closed the account, Paypal assured me that nothing can be done to me account if it was closed. They linked my account which they have in the past and it was fine with notifications and I had alway been notified. This time no notification, no alerting me, no emails, phone calls, no mail to my address all of which they have on file. I had to use this money for my child support payment which they froze without warning. Now I am out of the {$560.00} which I had in my account and I will never see again. Now I understand if they would have alerted me I would have had ample of enough time to fight the chargebacks and my so called mysterious balance. I am out my luggage that these folks still have and never returned and I am out {$600.00} from Paypal. This is freud and I also know they are not a bank and apparently unregulated. I am surprised that there is nothing I can do in this case and feel like an am robbed of my money with Paypal. There are folks who have this happen to all the time. But my case is a closed account. This is new and never has happened with Paypal. It just happens to be a new thing fro them to do what they want without cause or warning. Please help. I can be reached at XXXX. | ||||||
| 09/27/2023 | Yes |
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| On XX/XX/XXXX I logged onto paypal to change the credit card saved to make payments on an automatic subscription to XXXX XXXX XXXX. The credit card ending in XXXX had been compromised, so my credit card company cancelled that card and sent a new one. I went in and changed the card to the new one. I then noticed I had a negative balance of - {$79.00}. On XX/XX/XXXX XXXX XXXX XXXX processed the automatic payment for the subscription. Because I still had the cancelled credit card on file it declined. So paypal attempted to charge my checking account ending in XXXX without authorization. I closed this checking account a week ago, so that also declined. As a result, paypal took it upon themselves to pay the {$79.00} to XXXX XXXX XXXX and put a - {$79.00} balance on my paypal account. I called them to ask them to reverse this and to charge the new credit card instead. They said there weren't able to do this. I asked to speak to a manager. I asked the manager why did they process an unauthorized charge to my checking account and pay {$79.00} to XXXX XXXX XXXX. The charge should have just been declined. They said I never had my credit card set up for the automatic payment. That I either had no payment method selected or had the checking account selected. I assured them that I linked it and saw it was linked right before I added the new credit card on XX/XX/XXXX. My point is further proven by the attached automatic payment that was made in XXXX showing the linked credit card that had been cancelled. She insisted that I did not have it linked. I informed her that this was an unauthorized charge to my bank account and should not have been done in the first place. I asked her how can I prevent this from happening in the future. She said because I now have it linked to a credit card it won't charge my checking account. But again, it was already linked to a credit card and they attempted to charge my checking account that left me owing paypal a negative balance. I paid the {$79.00} to avoid any issues. | ||||||
| 01/14/2023 | Yes |
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| The letter sent to PayPal today describes what happened and is copied below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal Inc . Attn : Billing Error Dispute Documentation Request XXXX XXXX XXXX XXXX XXXX XXXX PayPal Case # XXXX Case Denial To Whom It May Concern : I am writing to challenge this denial of a recent order transaction in which Pay Pal took more from my credit card than the company charged me. The order totaled {$65.00} and PayPal paid the company {$81.00}. The order from the company as well as information from the tracking company clearly states that the cup holders purchased were part of a XXXX Sale and included an additional 20 % off and free shipping if XXXX were purchased. I authorized payment for the {$65.00} as you can see on the order confirmation ( enclosed ). The PayPal confirmation paid out {$81.00} with no explanation of the discrepancy. I challenged this additional {$16.00} and asked to have it returned to my charge card and you denied this. I received a response from PayPal that the case was denied after contacting the company because the difference was due to additional fees, shipping charges, or currency conversion rates. The items price was listed in the ad in XXXX dollars, shipping was free, there was no mention of any additional fees, and New Hampshire has no sales tax so that should not have been charged. If you received a request for more than the amount listed on the order, you should have notified me before paying it out. I would not have ordered the items that included this additional charge. This is XXXX of the few times that I have ordered something from a XXXX ad and believed that if it was a scam, I would have been protected by paying through PayPal. I am very disappointed that this is not the case. You should have notified me that they were trying to take more money than I authorized. Please refund my credit card with the additional {$16.00} that I was charged. Sincerely, XXXX XXXX XXXX ( XXXX ) Cc : Consumer Financial Protection Bureau | ||||||
| 09/10/2020 | Yes |
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| XXXX and Pay Pal have worked together using the virus as an excuse to de fraud me out of money that the seller agreed to pay me back. But XXXX in order to keep the commissions from the seller has made it impossible for seller to refund through normal XXXX procedures. Pay pal that guarantees to make non received purchased protected by a money back and is making it impossible for me to receive my money back. If you read from the bottom up what I am trying to send you and it is only a portion of the events pay pal and XXXX have conger ed up holding one XXXX to the distance and the personal contact needed to correct the matter and use the poly of the virus to eat up the time to make the process work as they both represent it as is guaranteed to happen. My bank tells me that they hear this a lot and their hands are tied once I released the funds to pay pal. If they can stay open to take my money they can help me when they have made a mistake. On XX/XX/2020, I made a purchase for XXXX. on XXXX. I paid through pay pal immmediatly via pay pal. after I made the pay ment I went back and reviewed my purchase and discovered that the item was not totally correct. Immediatly I cancelled the order and emailed the seller and he cancelled it on his end and agreed not to ship out the items. XXXX in their scam emailed me and said could not cancel because item had been shipped. That was impossible since it was XXXX XXXX in the morning and XXXX XXXX in the morning their time. Pay pal and XXXX refused to refund money until I sent the item back even tho I sent them emails from the seller saying he did not ship the items and would be willing to refund my money. It has been three ridiculous, frustrating months which I would like to show you of trying to get this money back to no avail. I live on XXXX dollars a month social security and XXXX I can not afford to loose. You need to see my evidence you would agree that it is a scam. It doesn't appear as tho I will have room on this page to forward it to you. | ||||||
| 09/03/2023 | Yes |
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Web | Older American, Servicemember |
| I purchased 2 tshirts from a supposed US company from XXXX using my paypal account and never received it. I opened the below despute with paypal : Case ID XXXX Dispute amount {$38.00} USD Transaction ID XXXX Transaction amount {$38.00} USD Transaction date XX/XX/XXXX Seller name The seller responded saying that the shipment was on its way and for me to cancel the resolution response at paypal. I told them no, its been over 2 months. The shipper immediately returned the shipment to themselved. Paypal sent me the tracking asking me to respond on the XXXX of XXXX, if not they would close the account. I did respond on that day. This is directly from their website and they CLOSED the case without refunding me : Your conversation with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX I've never received the product or any delivery update from the merchant. I need a refund. XX/XX/2023 at XXXX XXXX XXXX Hi XXXX, we are so sorry for the matter caused to you. The package may be returned back us. Would you like to cancel the dispute and let us reship the package to you~? XXXX XXXXXXXX XXXX XX/XX/2023 at XXXX XXXX XXXX That really isn't an answer. It's been two months even coming from XXXX. It should have been here sooner. This case is closed I asked to speak to a supervisor when the service rep would not help. The supervisor just kept repeating PAYPAL policy about resolution and I asked him how long was I a customer - over 20 years. I said I know the policy and did respond on your website. The shipper never sent the package and the tracking says it was returned to them XXXX, the supervisor said the case was closed and HE will not do anything about it. This is not the first time that shipments from XXXX were suppose to be US companies and then when the order goes in, its from XXXX advertised on XXXX. This is also not the first time that I was refused a refund from paypal when they had concrete proof of errors. Seriously 3 months and no shipment and paypal thinks this is right. | ||||||
| 03/16/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD? | ||||||
| 02/07/2019 | Yes |
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| On XX/XX/XXXX, I purchased an airline ticket through XXXX for a flight to the XXXX. An authorization was placed for the full amount, XXXX through PayPal, reflected in my PayPal balance. On XX/XX/XXXX, I canceled the trip. As it was in the 24 hour period, it was canceled and I was told I would be refunded/not charged via XXXX. This was confirmed via email. The authorization hold was instantly released, and my money was reflected to be back in my PayPal. On XX/XX/XXXX, after the authorization had already been canceled and the money had been refunded, I noticed a charge in my PayPal account in the full amount of the flight ( which had already been canceled and the authorization revoked. This was a brand new transaction ). I contacted PayPal via chat and was told that this would be refunded. The amounts were for {$370.00} from my PayPal balance and an attempted XXXX from my that did not go through. XX/XX/XXXX, my PayPal balance was refunded. XX/XX/XXXX, the airline attempted to collect the XXXX again. It was denied from my bank and instead created a negative balance in my PayPal balance of XXXX. Retrieval was attempted through my XXXX XXXX account three times throughout the following week and I was told this would be the end of it. During this time, every time I attempted to contact PayPal or dispute the transaction that caused the negative balance, I was met with an error page each time that would not allow me to access the page. Days later, a payment I had received prior to the incident totaling XXXX posted, bringing down my PayPal negative balance to -XXXX. XX/XX/XXXX, XXXX was retrieved from my bank account without warning for this amount that had been unauthorized. XX/XX/XXXX, this amount posted, creating a surplus of XXXX in my PayPal account. Again, any attempt to collect on this amount created an error. I was not allowed to touch or access my money, as my methods of withdrawal were denied and my account had been limited, meaning I could not use PayPal to pay online. | ||||||
| 02/03/2023 | Yes |
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| Date of Original Venmo transfer : XX/XX/XXXX : My dad Venmo'ed me {$750.00} to help me pay for a flight to visit him. When it came to my account, it was marked as " goods and services '' and asked for my Tax ID. I immediately reached out to Venmo to correct this error. We were told by Venmo there was an issue with the algorithm, and that they would reverse the payment because this was not supposed to be marked as " goods and services. '' XX/XX/XXXX : I receive a 1099K from Venmo listing the {$750.00} ( this had been reversed ). I reach out to Venmo to see why they had given me this form. The first person I spoke to told me not to worry about it. When I asked for an email confirmation that I don't need to worry about it, she emailed with unrelated information. I called again, and got the response ( attached in supporting documents ) saying that I should not have been sent the 1099K, and they were working to correct it. They said they had never seen this happen before so they sent the case to engineering to see what had happened. The second attachment shows another transcript with Venmo explaining the engineering issue. I spoke to several other customer service representatives who all told me different things about the case, which was very confusing. Finally the engineering team determines that it was my dad 's fault, and that he must have accidentally pressed this option ( contrary to other venmo team members prior saying that there was a mistake with the algorithm ) and that I would have to speak to a tax specialist ( on my own dollar ), and that they refused to amend/correct the 1099K. When I said that I can not afford a tax specialist, and asked if they would reimburse for the charges that correcting this mistake would cost, they refused. Venmo admitted fault in the first two exchanges, in XX/XX/XXXX and Tuesday XX/XX/XXXX, and then when it became more problematic to resolve they switched the blame on myself and my dad, causing us to have to pay to get it fixed by a tax specialist. | ||||||
| 11/28/2020 | Yes |
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Web | Older American |
| I attempted to make a {$1100.00} transfer to my grandson using PayPal. In order for the transaction to be completed, he needed to access his PayPal account. When he attempted to access his PayPal account, it opened to the following message - " We noticed some unusual activity ''. Activities for the account was then locked, except for PayPal 's process to " secure '' the account. The secure process required three pieces of information. One, the users email address on file when the Pay Pal account was opened, two, the account users cell phone number on file with Pay Pal, and three, the account users credit card number on file with PayPal. The problem arose because two of the three required pieces of information were not current i.e., the cell phone number on file was from a previous phone that had been long ago disconnected and the email on file had not been used for a long period of time and hence cancelled by XXXX. When the " secure process '' was attempted using the credit card number, the card number checked out, but the secure process required additional steps that required the phone number and/or the email address. Once input, a text or email would have been sent to the disconnected cell or deactivated email account to unlock the PayPal account. Since this was not possible and the transaction could not be completed with my Grandson, PayPal was holding the money. I contacted PayPal using the phone number they provided. I was referred back to the website account by a machine. No human contact can be made. I then filed a dispute. The dispute was denied because " the transaction was processed correctly ''. I again filed a follow-up dispute emphasizing that the transaction was processed, but could not be completed, again I was denied. I then sent a letter and was again denied on the same grounds. The money is in my Grandson 's account of which he can not get into as a result of the discontinued email and cell phone number and we can't talk to anyone to help him reactivate his account. | ||||||
| 11/25/2022 | Yes |
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| On or about XX/XX/22, I first applied for a Venmo account. At that point, I provided all of the information requested by Venmo, including personal information that I am cautious about sharing, such as my social security number and banking information. Venmo accepted my application and my Venmo account was opened. I never used, or attempted to use, my Venmo account. On XX/XX/22, only XXXX days later, I received the email below : ( attached ) On several occasions, both by phone and email ( documented ), I contacted Venmo asking for clarification. Venmo has outright refused to provide an answer. Venmo 's only response is to require a digital photo of my driver 's license as proof of my identity. That is not an answer to my question. " SPECIFICALLY, WHAT ACTIVITY OCCURRED THAT APPEARED TO BE A VIOLATION OF VENMO 'S USER AGREEMENT? '' I would like to point out that I've researched this and found that this is Venmo 's mode of operation in dealing with many, if not all, of their applicants. I would also like to point out that I have had several credit accounts for which I was never asked to provide a digital driver 's license photo. If Venmo does not provide a prompt response, I will be forced to assume : ( XXXX ) that there, in fact, has never been any activity in my account that appeared to be a violation of Venmo 's user agreement, ( XXXX ) therefore, ( a ) the statement made in Venmo 's XX/XX/22 email is false, ( b ) Venmo has intentionally provided me with dishonest information, and ( c ) Venmo is guilty of following dishonest business practices, ( XXXX ) as a dishonest financial institution, Venmo 's true motive to freeze my account and requirea digital photo of my driver 's license, is to collect personally identifiable information for dishonest purposes, including the sale of that information to third parties, who may also be dishonest, ( XXXX ) in light of the above, Venmo should, and must, be dealt with accordingly by the CFPB. Thank you for your attention in this matter. | ||||||
| 11/22/2022 | Yes |
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| XXXX is debiting my bank account without permission and in what seems to me unethical at best, possibly illegal. After 12 years using Paypal, they " permanently limited '' my account for reasons they refuse to disclose. Hundreds of thousands of dollars of business transactions were done over the years. Frustrating to not even know why this happened. First complaint, they have basically seized {$43.00} left in the account for XXXX XXXX ( XXXX ) and claim they will only release it after 180 days. XXXX MONTHS! The real issue though is that on the XXXX of XXXX I had transferred {$260.00} to my bank account with XXXX XXXX. This was the proceeds of sales activity, minus all Paypal fee costs. I do not owe XXXX any money. The {$260.00} cleared my bank and became available as a completed transaction on the XXXX. A few days later they terminated my account and then placed into motion an ACH debit for {$260.00} in my bank account. I called them and they basically said while I did not owe them money they could and would do this and hold the money for XXXX months, then maybe transfer it back to me. Paypal has no legal reason to do this other than their size allows them to abuse people. They claim it is to protect themselves from non-shipment of sales items or chargebacks, but they also will not allow me to remove the bank account from their site. Any chargebacks would come back to the bank account in any caser so this is a lie to simply take money from people. Further, while the {$260.00} ACH shows on my bank account, the charge does not appear on my Paypal transactions. The {$260.00} has been debited from my bank, but not reflected on my Paypal balance nor in the transaction history. They have cloaked or hidden it, which seems almost criminal to me. What would stop Paypal from placing ACH charges on my bank account at any time, in any amount? Very abusive. Why is this legal? Help me. I have already filed a claim for fraud with my bank, but as of yet they have not replied to me. | ||||||
| 05/25/2020 | Yes |
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| Dear CFPB, I had merchandises transactions online in US has been disputed since XX/XX/2020. I asked help from PayPal Resolution Center ( PPRC ). The date reported to PPRC was XX/XX/2020. Since the first time I disputed to this seller, I did not agree that I had to return these merchandises back to XXXX, since I did not know, this seller located in XXXX and had return policy to XXXX. There was no exchange policy. The seller offered me a small discount and keep the merchandise. I don't want to keep this byproduct merchandises. This seller was a fraud by pushing customer to keep its stuff and acting as seller who located in US. I ask my money back ( {$59.00} ). Later, The PPRC instructed me to return back to XXXX even I already complained about this problem in the first place. There was no other option in PPRC final instruction. It means that if I did not return back to XXXX, I will loose total my money. This PPRC solution was bad for me as customer. The purchase protection which the PPRC advertised in their website was not working for me as their longtime member. The shipping cost to XXXX by USPS was {$43.00}. So, based on PPRC, I did not have choice, I sent back this merchandise to XXXX on XX/XX/2020 and gave the PPRC the tracking number ( XXXX ) right away. I have been checking frequently the status of this shipping on USPS website. Until now XXXX XX/XX/2020 ), the shipping is still in transit in XXXX XXXX. Suddenly, I got email from PPRC that my case is closed and I did not get the refund. I tried to contact PPRC unsuccessfully. I tried to email them back, but there was no response from PPRC. Why did PPRC close the still-in progress case?? PPRC only cared the seller. Actually PPRC did not care their member or customer. I am very disappointed. I have nothing now and I lost {$59.00} + {$43.00} ( since the merchandise still in XXXX XXXX due to PPRC stupid instruction, pushing me to send the merchandise back to XXXX. I lost {$59.00} + {$43.00}. It's not fair. Thank you. Best Regards | ||||||
| 11/19/2019 | Yes |
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| On XX/XX/XXXX, I used PayPal to make a purchase to a vendor for the amount of {$74.00}. My account is set up to use my PayPal balance first, then my primary checking account with XXXX XXXX XXXX. Additionally, there was a defunct checking account with XXXX XXXX XXXX XXXX XXXX XXXX still linked to the PayPal that I had unsuccessfully tried deleting multiple times over the past year and it is explicitly NOT a default payment account. However, my primary bank account at the time apparently did not have adequate funding ( resulting in an initial {$30.00} over draft free with XXXX XXXX XXXX ) and it appeared the transaction was still processed. However, PayPal then charged the defunct XXXX account at which point I called both PayPal and XXXX to attempt to get this sorted out as this was not an account that was in use. The XXXX account incurred an overdraft fee on XX/XX/XXXX ( attached image included ) and yet another one on XX/XX/XXXX for the exact same transaction. I had already notified PayPal of this error and notified the credit union, but both sides allowed the overdraft to continue and I was charged another {$28.00} on XX/XX/XXXX. All of my attempts to get this sorted through calling and email have been met with total unhelpfulness from either company. Neither party claimed they could do anything, but PayPal then provided a letter admitting their error but said the credit union would be responsible for voiding the fees. However, the credit unions representatives denied this and claimed it was PayPals responsibility. Since then Ive made multiple calls to each institution trying to resolve this to no avail ; PayPal hides behind overseas call centers with supposed supervisors claiming everything is automatic and theyre not responsible despite bringing this issue to their attention before the transactions should have even proceeded. I want this resolved immediately with a representative with the authority to do something that isnt in an overseas call center with no accountability. | ||||||
| 11/23/2023 | Yes |
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| XXXX XXXX XXXX [ Consumer Protection Bureau Department ] Subject : Complaint against PayPal regarding Account Suspension and Funds Hold Dear [ Consumer Protection Bureau Department ], I am writing to file a formal complaint against PayPal regarding the sudden and unexplained suspension of my account, associated with the email address [ XXXX ], and the holding of funds amounting to XXXX Euro without valid reasoning or communication from our both sides account. On [ XXXX XX/XX/XXXX ], I made a payment of XXXX Euro to my supplier, whose PayPal account is [ Supplier 's PayPal Account : XXXX ]. Following this transaction XXXX both my supplier 's and my PayPal accounts were blocked without any specific explanation or prior notification. The actions taken by PayPal have caused severe financial distress and disruption to our business operations. Despite numerous attempts to communicate with PayPal support, we have not received adequate clarification or assistance in resolving this matter. I believe this sudden suspension and holding of funds without a clear explanation violates PayPal 's policies and our rights as users. We have been loyal customers of PayPal since XXXX, maintaining a good standing and compliance with their terms of service. I kindly request the Consumer Protection Bureau Department to investigate this issue thoroughly and help facilitate the release of the held funds to restore normalcy to our business operations. Additionally, I seek clarity on the specific reasons behind the account suspension and the steps required for resolution. Enclosed with this complaint are the relevant transaction details, screenshots of communications with PayPal support, and any other pertinent documentation supporting our claim. I hope for a prompt and fair resolution to this matter and am open to providing any further information required for the investigation. Thank you for your attention to this urgent issue. I look forward to a favorable resolution. Sincerely, XXXX XXXX | ||||||
| 09/19/2023 | Yes |
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Web | Older American |
| I am getting emails every week about my PayPal account and that I have been charged a certain ( large ) amount on my PayPal credit card. I have PayPal account and I have not been charged but these emails are trying to get me to call them to complete the charge for opening a business PayPal. They are trying to scam me. They are sending it to my old email address. Here is one example : " Subject : welcome to paypal! Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your request to open your Paypal Business account is processed. This account has been verified on your SSN and you can now accept credit card payments without hassle. We have charged merchant fees of {$640.00} from your checking account .It will reflect on your bank statement in XXXX hours. If you haven't signed up for Paypal Business call immediately at XXXX as this may be a case of identity theft. Team Paypal Business XXXX Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Paypal invocie Date : XXXX, XXXX XX/XX/2023 XXXX XXXX ( UTC ) From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX. You have sent a payment of {$590.00} USD. Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Thank you for being Paypal 's customer! Date : XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX You have sent a payment of {$590.00} USD. Unsubscribe From This List | Manage Email Preferences | ||||||
| 08/08/2023 | Yes |
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| On or about XX/XX/XXXX, I was informed by my account to remit payment in the amount of {$550.00} for my XXXX tax services. I asked to use PayPal in which he, XXXX XXXX, agreed. I asked him to confirm if XXXX XXXXXXXX was his PayPal and he confirmed it was. I submitted the payment. A few minutes later, XXXX XXXX informed me he did not receive my payment. I asked if his email for the PayPal account was XXXX and he said no. I further explained that this was the email associated with XXXX XXXXXXXX. I immediately contacted PayPal to stop the payment. The payment showed it was in the pending status for further investigation. I also submitted an invoice to the XXXX just in case. I attempted to submit payment to XXXX XXXX in the amount of {$550.00} for the XXXX tax services though PayPal. I accidentally selected friends and family vs business. PayPal informed me the transaction was authorize despite it being the incorrect user. I asked if PayPal can assist me in obtaining the payment back from the user or provide me with additional information and they declined. I informed them I did not receive any services from the incorrect user. I contacted my bank and they informed me I would need to settle the matter with PayPal. The company, PayPal has access to information to inform me whether the user with the email XXXX has accepted the payment, transferred the payment, or if the payment is held in a balance. PayPal has access to obtain these funds back and refuses to do so. On or about XX/XX/XXXX, PayPal completed the transaction and denied my claim. I emailed and contacted PayPal on the phone that same day and asked for an appeal. I made other phone calls to PayPal and was told that since the transaction was completed, I would not be able to get my money back. However, I requested the payment not to be completed. PayPal completed the transaction dispute my attempts to revert the payment. I had to subsequently remit payment to the real XXXX XXXX through XXXX in the amount of {$550.00}. | ||||||
| 09/19/2022 | Yes |
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| I'm adding my name to the list of thousands of unhappy Venmo customers who've had accounts frozen for no good reason. I opened an account so my friends could reimburse me for a hotel stay in Wisconsin, and made several requests. Venmo almost immediately froze the account, with {$240.00} ( the first reimbursement ) in it. Venmo says that I did something wrong ( although they won't say what ) and has demanded that I submit a copy of a photo ID, after which they will initiate a " review '' process that could take up to three weeks. I maintain that since all I did was attempt to use their product, their request for additional documentation is unnecessary and intrusive, and that they should fix the security software that " flagged '' my perfectly normal use of the product. To date, I have not submitted a copy of my ID, and Venmo refuses to send me my {$240.00}, nor will they return the {$240.00} to the friend who sent it to me. In short, Venmo is using {$240.00} of money that belongs to me, and if, as I understand is the case, thousands of others are in this same situation, that's a nice chunk of change for Venmo to hold on to while they stall around with repeated requests for ID and lengthy reviews. It seems axiomatic that inconveniencing customers should not provide an opportunity for arbitrage. ( The last time I checked my account, I noted that even though the account is " frozen, '' I can still make requests for cash. Which, of course, Venmo could continue to hold while they string this thing along. ) Venmo should not be permitted to use monies from frozen accounts to do business or in any way pad their balance sheet or bottom line : rather obviously, there should be no reverse financial incentive for inconveniencing customers or holding their money. I hope that CFPB can help me resolve my dispute with Venmo, and I also hope you will take action on making sure that Venmo is not deriving any benefit from monies in these " frozen '' accounts. Thank you for your attention. | ||||||
| 07/25/2022 | Yes |
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| I got a limitation on my business PayPal account XXXX. The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. I want PayPal to lift all limitations on my account. My case ID is XXXX I have attached a file to show how payments are processed on my website. | ||||||
| 07/30/2020 | Yes |
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| I am closing a bank account I have through ending in XXXX. To avoid the risk of having transactions charge to the closed account, which could result in fees and hurt my credit rating, I want to remove this bank account from Paypal. When I go online to remove the account, I receive an error message " We are unable to complete your request at this time ''. I am afraid to keep the account in Paypal, it doesn't have money in it and something may accidentally get charged to it. I have two other verified bank accounts in Paypal. There currently is no way to contact Paypal regarding my issue. When I call Paypal, I get a recording stating, " we cant support your inquiry over the phone at this time. Please visit the help center and send us a message. They will not take my calls. When I follow their instructions and go to the help center, sending a message, several hours later, a representative will respond and send a text code to my phone. After receiving the text code, I go back into messages and send it to them. However, a rep does not return for several hours and the text is only good for 10 minutes. After 2 days of repeating this process, Paypal said we have to do it by phone. Paypal has tried to call me but they always call before XXXX while I am working. I told them four times already only call me after XXXX EST. They call around XXXX or XXXX each time. Finally, today they said unless I can call them, they can't help me because there's no way to schedule a specific time for someone to call me. Their hours are until XXXX, but they won't set up a time when I am not working to speak with me. They won't help me in messages and they won't let me call them. Paypal asked me to call them but when I do, I get the recording to go back to send them a message. They tell me that they can't help me on messages, it must be by phone. I am afraid if this account remains in Paypal, then an accidental overdraft will occur resulting in costs out of my pocket and damages to my credit report. | ||||||
| 05/24/2020 | Yes |
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| I use paypal for 6 year and all is normal on my account i use to recive and withdraw money to XXXX bank account .A ploblem happen last year XX/XX/2019 i got some little sale for 2 tranaction this sell is from i sell image online my hobbie sell i do this first time and i conversation to buyer through email and i accept paypal as it easy to recive money after i recive money for 2 tranaction i got account limit and paypal ask me what is this sale from i say to paypal this image sale for 2 tranaction they need proof conversation i send to them and after got my proof they limit me and say wait 180 day to withdraw my money but i refund buyer already. .And they say my account limit cause i do gambling and nutcracker and after that i wait about half year before 180 day i see 176 day paypal take all my money and say i m do damage to paypal i lose all money to paypal cause i recive wrong type payment if buyer send money to me by friend or household it not a ploblem it ploblem cause it send money to me by buyer or service this wrong and very gone wrong .I see this it a trap i reciver dont know and press recive and not have track or website he? she lose money for free paypal will limit and take all money in hold cause by this it gone wrong paypal dont care they make a trap they not help user i m tell all what is it from my sale but they anser like bot we decision is final not clarify and not have a proof for i do gambling .i send message and inbox to them but got response like bot and cant help .I see paypal is a trap if user accept service or some little sale and have all conversation but they decline this is a way paypal take user money i dont know how to do cause in XXXX paypal office was gone in last year they gather office XXXX to XXXX i need help me i m not usa XXXX but paypal cant do this with other user around the world .i lose XXXX free from my hard work collect i need someone help me to got my hardwork money back i dont like to lose free this money to some bad employee paypal | ||||||
| 08/16/2019 | Yes |
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| On XXXX XXXX someone sent me $XXXX via my PayPal account.i received an email from PayPal my money was available. When I tried to deposit in my bank account it would not let me. I was leaving next day for vacation out of country. I contacted PayPal via live chT and was told that randomly happens and to retry in 3 days. After waiting I tried again and it would not let me and I was told their is a limitation placed on my account. I could not call bc I’m out of country so I did live chat again and was told I to send in requested info and wait 5 days. I couldn’t send a complete bank statement only version on my mobile acct. the next day they requested all my credit and info. I recto give that to them whereas I had been getting phishing emails from PayPal and had forwarded them a few months ago. They told me it’s in their contract that they can withhold my money, I never read or signed that and if there was any problem they didn’t even. It icy me via email or phone call. I don’t understand how PayPal can keep my money for 6 months, not allow me to refund sender so he could just give me by check or give me MY money. I expected thus money to pay bills. This is deceitful practice, just keeping my money and not telling me why let alone informing me. I want my account closed whereas I do not trust the safety of PayPal with my personal info yet they wont let me close it. I tried to make a dispute via PayPal option but it didn’t let me, it stated since I received the money they couldn’t do anything and to contact sender. I contacted sender and he called them and PayPal told him since I received the money he had to request refund from me, which PayPal will not allow me to do.i demand my money be released to me and my PayPal account be closed whereas I want nothing to do with PayPal. They stole my money and say I’m guilty of who knows what, I’m innocent of who knows what until they prove me guilty and then they could collect money, but I did nothing wrong just sneaky tactics on PayPal side. | ||||||
| 06/15/2021 | Yes |
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| So it all started when my PPP loan for my XXXX was sent to my Paypal account to pay my vendors and catch up on all my bills that were due to sustain the life of my business well out of nowhere PayPal decides to lock my account for suspicious activity when there was no suspicious activity in the first place because the bank account that was linked to my Paypal account I had authorization to use and send them written consent and signed and dated the way that they wanted it to be to use the account on my PayPal account well I make one transfer and then I go to make the other one to pay my vendors because the PPP funds are supposed to be spent and dispersed in order to receive your second draw well they locked {$9500.00} down on my PayPal account due to suspicious activity or fraudulent activity when there was no fraudulent activity in the first place I made a transfer to my significant others banking account in order to draw the money off because PayPal has been giving me such a hard time about getting my money well now they have locked my account down with my first draw PPP funds in the account so therefore I can't disperse all my funds that were sent to me which has subsequently cause my business to knock on the closing door I'm currently looking at having to file chapter XXXX because PayPal will not disperse this money that is owed to me because of their policy they're pretty much strong arming me into whatever they want me to do so they can collect interest off my money for 6 months when I'm in a crisis with the life of my business and life of my home and everything pretty much so I don't know what to do I've messaged called I've even threatened to take legal action I have contacted the XXXX I mean is there any way that y'all could possibly help me with this matter with PayPal they're doing this to a lot of people and getting away with it while collecting interest on people 's money that's needed to sustain the livelihood that they have had before the pre-pandemic times. | ||||||
| 12/19/2017 | Yes |
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| On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience. | ||||||
| 02/11/2023 | Yes |
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| On XXXX XXXX I opened an account with Venmo, then I decided to get the Venmo debit card after that my troubles began that night they sent me 4 emails requesting a physical address, well I call them on XX/XX/XXXX talked to XXXX XXXX and explained my living situation situation and that I wasn't using credit cards any more and I would use there card instead of my personal debit card. Then on the XXXX? I received an email indicating they want a government issued id with my name on it fraud and scam flags I was thinking on the XXXX Venmo was concerned about my address then on the XXXX they were more concerned with my name, I have ask them 7 times to close the account, they refuse even after filling a XXXX XXXXXXXX XXXX report on Venmo screenshots of emails are attached, then on the 8 the they froze the account email attached for that stating that there appears to be activity on the account that was against there policies well I haven't even used the account and for some secret reason no one wants to tell the reason instead they insist on my government issued id NO NO AND MORE NOS I keep telling, they created a situation by freezing the account to have an excuse to request further identification which they have no right to ask for, all Venmo has to do is permanently close the account that's it, this continued absolutely abuse and horrific treatment by these people insisting on my id is not necessary they have no reason to want my I'd.they want my id to unfreeze my account so I can close it. Silly to me! Then I tried to get back into the the next day it was frozen, restricting my access to deleting my card off the account, to get my debit card off the account so I had to go to my financial institution and close that card immediately I knew I was being scammed, and I had been defrauded. As of XXXX on XX/XX/2023 the account is not close it is still open. After reporting Venmo to the XXXX XXXX XXXX Venmo still hasn't closed the account that why I have come to you for help thank you | ||||||
| 10/07/2022 | Yes |
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| On Friday, XX/XX/XXXX, I was the victim of telephone fraud. I was emotionally abused and harassed by someone pretending to be XXXX XXXX XXXX who told me if I did not pay the fines over the phone I would be arrested. I was harassed on the phone for hours by multiple people and finally paid the first set of supposed fines of {$2100.00} via Venmo per the scammer 's instruction. I shortly thereafter realized it was a scam and reached out to Venmo immediately to cancel the payment. The representative I spoke with confirmed that the payment went through on their end but instructed me to call my bank and cancel payment. I was concerned that this would not be sufficient since the payment was already made to the individual scamming me and that Venmo would try to come after the payment. They assured me that the best course of action was to cancel payment with my bank immediately since it was a scam and that they would not try and collect the funds from me. I spoke with my bank and they were able to stop the payment. Venmo then reached out to me again on XX/XX/XXXX saying that I owed the payment of {$2100.00} or my account would be taken to collections. I spent hours on the phone with Venmo regarding this with no resolution. It seems as if Venmo is now disregarding their own instructions ( attached in writing ) and instructing that I pay the funds otherwise I will be sent to collections. I believe Venmo should be working directly with the scammer ( since they have their phone number, name and probably some bank details registered with Venmo ). I was then transferred to a Account Specialist via email, you are unable to speak with the Specialists who review these issues over the phone. The Account Specialist continues to tell me to pay the funds to unfreeze my account but completely disregarded their prior instructions and seems to not take into account that this payment was made under fraudulent circumstances. I provided a police report number but they seem to have no interest in it. | ||||||
| 09/14/2022 | Yes |
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| I inadvertently took out a Pay Pal account approximately 4-6 years ago. I was unable to close the account, and have never used it. I have email printouts from both XXXX and XXXX dating from XX/XX/22 to XX/XX/22. I was contacted by the pay pal billing dept on XX/XX/22, concerning a {$600.00} bill for purchase of three {$200.00} gift cards from XXXX, {$600.00} total, which I did not buy. XX/XX/22- received a second email billing for {$600.00} I called the pay pal billing dept to report that I did not purchase the gift cards. I was referred to the above win.services email address, and sent my refund amount and last four numbers of my bank account. However, the amount was XXXX ( hit the number 4 instead of $ ). They explained that the scammers had made a {$4600.00} deposit into my bank account, and I needed to go to get eight XXXX gift cards of {$500.00} each, and to read the numbers on back of the card to provide pay pal the credit for the amount shown as a deposit into my account by the scammers. Meanwhile they assured me that they were cleansing my computer of hacker access. They showed me the deposits into my bank accounts, and my credit union account. I continued to believe them, as the format showing deposits into all of said accounts were the same as I encounter routinely doing on-line banking. Thus, I believed what they said. This process was repeated multiple times. Total withdrawn by me in cash to pay for the XXXX cards was near {$30000.00}. I have scanned and uploaded the emails from the two above sources. I learned that the bank and credit union accounts showed no deposits, even though I observed same over my computer, which I had released to the above bad guys. The nonly way to check actual account activity was to go to the bank/credit union XXXX Further, the cash withdrawals drained my accounts of {$30000.00} I received an additional pay pal invoice on XX/XX/22 for {$500.00}, which is included in the uploaded file. I do not intend to pay this invoice. | ||||||
| 08/01/2018 | Yes |
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| On XX/XX/2018, Paypal sent me a notification requesting that I gave proper tracking information for some sells that I had made. Until, receiving the information that was needed, I was told that my funds would be held per their buyers protection policy. After submitting the required documentation, I received an email on XX/XX/2018 stating that their investigation was complete and that my funds were no longer on hold and that I had full access to the funds, this is apart of their Sellers Protection Policy. During these days, they also decided to close my account after accusing me of doing credit repair services in which on several occasions, I advised them that. After given them proper documentation, in which I was told was satisfying, I received an email stating that my account was fully restored. However, my account wasnt fully restored and I was told that they would be holding my funds for 180 days just in case of possible chargebacks and etc. When in fact, that is against their Sellers Protection Policy What are the requirements for Seller Protection? Initial Requirements Ship to the address on the Transaction Details page. If the item was sold through your site, make sure youre shipping the item to a confirmed address. The item sold must be a physical, tangible item that can be shipped. This means intangible items such as digital goods and services arent covered. If we request documentation or other relevant information, we ask that you respond promptly ( typically within ten business days ). Your permanent address ( listed in your PayPal account ) must be in the United States. Additional Requirements For Item Not Received cases : The payment must be marked eligible or partially eligible on the Transaction Details page. You must provide online tracking to be eligible for protection. For Unauthorized Payment cases : The payment must be marked eligible on the Transaction Details page. You must provide Proof of Delivery or Proof of Shipment as described below. | ||||||
| 07/12/2023 | Yes |
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| Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXXXXXX XXXX You authorized a payment of {$560.00} to XXXX, XXXX He said his name was XXXX XXXX, representing PayPal XXXX Phone number : XXXX | ||||||
| 06/21/2015 | Yes |
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| In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse. | ||||||
| 06/26/2019 | Yes |
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| The first problem I had is that I hired a lawyer using my Paypal debit Mastercard on XX/XX/2019. I paid the lawyer {$350.00}. The lawyer did not perform any services and I requested a refund multiple times by phone and through email, but my contacts were ignored. That's not why I am contacting the CFPB. I tried to dispute the debit card transaction through Paypal. It was my only way to try and get a refund after the lawyer refused to provide the refund. I submitted the dispute to Paypal on XX/XX/2019. At that time, I had already done everything I could to get a refund from the lawyer. Paypal kept saying they were reviewing my case, which I outlined all the times I tried to contact the lawyer by phone and I provided them with the emails I sent requesting a refund from the lawyer, showing that I did everything I could to solve the problem. Paypal reviewed the dispute and refused to even try and get my money back. The case was denied through them on XX/XX/XXXX. I could not prove a negative, which was the fact that the lawyer would not refund the money. I had called Paypal multiple times between XX/XX/XXXX and XX/XX/XXXX. They did not seem to understand the problem or want to help me dispute the transaction. What frustrates me is that the dispute is actually handled through Mastercard, so Paypal really didn't have to do anything but submit my dispute to Mastercard. They refused to do that and denied my case. So Now I have lost {$350.00} for services that were not performed by the lawyer and Paypal refuses to do anything to rectify my dispute. I actually paid the lawyer using 2 payment methods. The other payment was for {$400.00}. I paid them using my Visa debit card issued by my bank. After I submitted the dispute to my bank, I received a credit for the amount 7 days later while the dispute was being worked on ( that dispute is still in process ). So not only did the other bank actually submit my dispute for processing, they actually gave me a credit in the meantime. | ||||||
| 02/16/2023 | Yes |
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| I have been using Paypal.com since 2019 for my XXXX XXXX XXXX which I have 100s of subscribers. They even gave me a working XXXX XXXX which I never defaulted on and paid in full. XXXX XXXX XXXX XXXXs a Monthly Beauty Subscription Box. People pay on the XXXX of the month, then we use our money in PayPal to buy stamp, and ship their inventory. I have several customers maybe half my customers pay through PayPal and are on automatic billing through XXXX Recently, PayPal only pgave me access to $ XXXX of my generated revenue. When I called in, they told me well you as a XXXX XXXX should be looking for other capital to run your business as they held my money for 21 days. I stuck it out as I didn't know how to move my XXXX maybe XXXX customers to another payment processor. Recently, they then cut my money that I can receive from my earned money to {$300.00}. I emailed them asking why? After I've been assured that once they have more information my limit of accessing my own funds can increase. They informed me I had 5 disputes. 3 of the 5 disputes are a person outside the USA and we asked her to cancel her subscription as we can no longer ship international. She wanted to hold on to her subscription because she loved her boxes. However, shipping rates have increased we fully refunded her. 1 of the disputes had 1 color of her eyeshadow palette break in shipping. We asked her to return our box for a full refund which we did. Our box is $ XXXX for 5 to 7 Full size beauty products so 1 color in her eyeshadow breaking during shipping was out of our control. I tried to call PayPal and explain my business model and they claimed to understand and sent it to their back office for further review. I also had a XXXX account for my makeup line which they said I had unhappy customers. They asked me to upload tracking and when I did it wouldn't accept it. So I moved on and removed PayPal from my website as it wasn't a big deal 1 or 2 customers using PayPal VS 100s a month. | ||||||
| 11/05/2023 | Yes |
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| i sold an XXXX to a buyer who tried to dispute the charges so they limited my account because i was a new user. and i ended up having to fully verify my account with my id and take a selfie i was also told to verify my bank account which i did and i still had to wait 21 days to get my money which i did and my account was fully restored i have all the proof. the buyer filed a dispute which i won in my favor after almost 2 months of waiting on my money. when i finally wont the dispute and tried withdrawing my money paypal would not let me i kept getting error messages which was odd because paypal told me i shouldnt have any problems getting my money since my account was fully verified and my bank account had been verified as well. and out of no where the first limited my account saying that " they need more information to make sure its me '' and " that they do this to protect their users. which is completely XXXX XXXX they literally unrestricted my account a month prior because i had successfully uploaded my id and took a selfie with my id as well as uploading a utility bill. also ive been messaging them for almost two months because of the dispute i was going through now all of a sudden when my money is released they dont know who i am and need to verify? thats insane! after i see this i go to the messege center and the agent tells me to send my id and i did. keep in mind its literally THE SAME EXACT ID I USED TO VERIFY MY ACCOUNT THE FIRST TIME. paypal messages be back saying my ID is fake and that they will no longer do business with me and that they are holding the money for 180 days. when i asked how is my ID fake when its the same one i used to verify my account the first time they did not even reply they simply took the " message paypal '' option off of my account and basically said a XXXX XXXX XXXX to my face!! this is going on the 3rd month that ive been trying to get my money can you guys PLEASE help me im begging you this cant be legal what they are doing!! | ||||||
| 10/27/2022 | Yes |
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| On XX/XX/2022 I received and did a standard transfer of money that someone is paying me for photography in the amount of {$500.00}. It said it would take XXXX business days and est day of arrival was XX/XX/2022. On XXXXXXXX XXXX XXXX I noticed that it was still in pending status and no money had dropped. I called and spoke to the bank and was told nothing is coming through. I then called customer service of venmo and was told that it would drop later that night or in the morning. Because his vague response with no explanation I had my XXXX XXXXXXXX call in which he got a gentleman who told him that the funds were in fact held by a federal agency and that he would put in a request to the engineers to have the money release because it was past the day legally they could hold the money. He would not give anymore information. Then I called back later in the evening and spoke with another gentleman who told me that it was in fact a review by venmo, they had a glitch on XX/XX/2022 and that he didn't know when it would be released. Unsatisfied I asked to speak to a manager and that manager in fact told me that it was totally Venmo 's fault they had a issue and that the engineers were trying to find a fix. He said that the money would be released to my bank by XXXX or XXXX the following morning. Now my bank the way all transactions work with venmo is the moment they are released it comes into my bank as a pending status and doesn't release until the XXXX. So at XXXX today I called the bank there is no money in route they can see. I called back Venmo in which I spoke to a gentleman, XXXX and a supervisor XXXX XXXX They said that oh well yes it was a venmo issue and that the money was not released when they said. That as of today sometime the money will be released and I should get it by XXXX XXXX. That is {$500.00} that they are holding and the way the call ended was him saying " there is nothing we can do for you '' The below transaction was never done as it states by venmo | ||||||
| 05/20/2021 | Yes |
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| On XXXX XXXX, my PayPal account was taken over by an unknown individual. The individual transferred over {$5000.00} from my bank account a XXXX XXXX XXXX XXXX to PayPal. The individual then transferred the cash into Bitcoin and transferred the bitcoin back to cash to a debit/credit card not belonging to myself. I immediately noticed the activity and contacted the bank and PayPal to make them both aware of the fraudulent activity occurring in my account. PayPal eventually block the account and issued credits back to me in the form of Bitcoin for several of the fraudulent transactions. I appreciate the credits however the unknow individual used cash from my account to purchase Bitcoin. PayPal acted as though I had made the transactions on my PayPal account and issued credit back in the form of Bitcoin as though I purchased the Bitcoin. The main problem with this is that the credits don't match the transactions within my bank account, and PayPal has never provided an accounting of how the credits were issued. Two transaction for {$910.00} and {$400.00} where disputed directly with my financial institution and temporary credits were issued ; however, those credits expired after 1 month. Neither PayPal or my financial institution has taken ownership of those two transactions and continue to point the finger at one another. PayPal claims that my bank issued permanent credit. I have attached the banks statement to PayPal in which they show that a permanent credit was not issued only a temporary credit for the dispute. I read online that it is a a common banking practice for a temporary credit to be issued during a dispute. I have spent countless hours attempting to get my money back for the remaining two transactions. Multiple cases have been set up and closed and many phone calls have been disconnected or not returned. I immediately made everyone aware of the transactions so that they could be stopped and instead months later I am still fighting to have my money returned. | ||||||
| 03/13/2021 | Yes |
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| I got a email from paypal yesterday stating that they decided to end my account for what ever reason and then goes on to state a refund I have been waiting for for 5 months is sitting in paypal with a 21 day hold not they decided to make it 6 months. They only doing this because they sold paypal credit to XXXXXXXX XXXX in the middle of a bunch of packages from XXXX missing and not getting to me. They said because they tracked to washington dc that I must have gotten them in MN. They refused to refund my money for purchases I paid foir thru them and I was told by 2 separate paypal reps to sign up with a new email and use a different card. I never got a letter saying I was limited at all they took away the paypal assurance and ripped me off for total maybe XXXX or more. I had also been told to deal with this outside of paypal> Those were the very worlds well thats what I did called my bank and told them what paypal did and they reversed the charges. They would have done the same thing and I waited as long as I could without loosing my right to have the bank do that. They have no reason to put a hold on my refund from 2018 that I just got sent to me from XXXX. They were paid long ago for those funds and I have never ever been told a thing like the guy from p0aypal cooperate is stating. I had paypal close my last account and had to demand they did it. I had to wait the required amount of time to close it while still using the account as they took away warranty there was XXXX risk to them. They just charge the seller back that never got me what I paid for. and had no tracking numbers to show I got anything. They sold my paypal credit to a bank and never even looked into the items I didnt get. Who cant follow there own rules, paypal. But to act like a XXXX year old refund as hostage so they can feel big thats wrong. I hope CFPB does a number to paypal this round in court. Paypal is out of control ; and so rude to Americans and back XXXX sellers when there in the wrong. | ||||||
| 07/31/2023 | Yes |
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| Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation is a result of a mistake, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. Firstly, I have always used my PayPal account responsibly, ensuring compliance with all terms and conditions outlined by PayPal. I regularly review and adhere to your policies to ensure a smooth and trouble-free experience for both myself and other PayPal users . As such, I am confident that my account 's limitation is unjustified. Secondly, I assure you that I have never been involved in any fraudulent or unauthorized transactions. I take online security seriously and have taken necessary precautions to safeguard my account information and personal details. My utmost priority has always been to maintain the integrity of my PayPal account and utilize it solely for legitimate transactions. Considering the above points, I kindly request that PayPal re-investigate my case in detail. I understand that human errors can occur, and I am hopeful that, upon closer examination, this limitation can be lifted, allowing me to resume normal use of my account. I sincerely value the services provided by PayPal and wish to continue utilizing its secure and efficient platform for online transactions. Therefore, I humbly appeal to PayPal 's sense of fairness and understanding to reconsider the current limitation on my account. I genuinely hope that this matter can be resolved amicably and that my account can be reinstated. Please let me know if any further information is required to facilitate the review process. I am more than willing to provide any necessary details to support my case. Thank you for your attention to this matter. I look forward to a positive resolution and the restoration of my PayPal account. Sincerely, XXXX XXXX | ||||||
| 08/12/2020 | Yes |
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| PayPal Customer Service Agents are repeatedly providing misinformation and providing false information in regards to policies. For over a decade we have used PayPal with absolutely no issues. We started with a personal account and when we established a non-profit organization we opted to start a new business account for it. There has never been a dispute, refund or any other negative activity on the account. However, PayPal has started to place funds on hold. When reaching out to customer service to resolve this we have been given misinformation by no fewer than 4 of their customer service agents. Some have blatantly lied and only backtracked on the lie when pressed to provide proof of the policies they were referring to. On more than one occasion we have provided the requested information only to be met with rejections and requests for information that has absolutely no reference to our organization. For example, they keep asking for vendor information when we do not sell or provide any physical products. At this point my thoughts are that PayPal has decided that they will use customer funds to provide themselves with short term interest free loans. There have been at least 3 support tickets to address this single issue. We have spoken to a " supervisor '' who agreed that the support tickets have been severely mishandled and apologized however nothing is done to resolve the issue. On the last call we were on with an agent for over an hour. There was a request for our vendor information and other information that would pertain to a business selling physical products. During this call it was repeated several times that we have no physical products. We are a non profit organization that provides consulting and services. However we just received another request for this information that in no way applies to us. We are a XXXX organization that is in good standing. In contrast, our organization uses other payment processors and have had absolutely NO issues whatsoever. | ||||||
| 11/19/2023 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX I received money from a family member that was helping me pay my rent and other bills to my Venmo account. I tried to do an instant transfer to my bank account but kept getting an error message, I then tried transferring the funds using the standard 1-3 day method. I received a confirmation email that the funds would be in my account on XX/XX/. On XX/XX/XXXX I received an email stating that due to suspicious activity my account was temporarily suspended and to provide proof of my identity by sending a copy of my ID, a selfie holding my ID and to change my Venmo account password. Also in this email it states that once those things have been done, they would happily reinstate my account. After doing all 3 of these steps, I then get another email from Venmo stating that they received my ID and that my account has been permanently deactivated and they are holding my funds for 180 days. I then called their customer service immediately requesting an explanation as to why and got a response of " the account specialist will review your case and reach out to you via email. '' There was no valid reason given as to what user agreement was violated. I read through ALL 27 PAGES of their user agreement and found nothing that I am in violation of. I have been contacting them via chat everyday and I they just keep coping and pasting the " permanently deactivated '' email that I received. And on XX/XX/2023 I received an email that ended with " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have done tons of research on this exact situation and Venmo is doing this to thousands of there customers! I have money frozen on there that I need to pay my bills with and if I don't get my money released me and my child will be homeless. This has had me sick to my stomach and is definitely deceptive practices and a violation of my fundamental rights. | ||||||
| 10/19/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account with the email address XXXX. I believe this limitation was a result of a misunderstanding or mistake, as I am confident that I have not violated any PayPal policies or engaged in any activities that warrant such action. I have been a loyal PayPal user for [ insert duration ], and I have always strived to use the platform in full compliance with its terms of service. I make regular transactions for both personal and business purposes, and I maintain the utmost transparency in my PayPal activities. The permanent limitation on my account has caused significant disruption to my financial activities and has created inconvenience for both me and my business partners. I kindly request that PayPal re-investigates my case thoroughly and with an open mind. I firmly believe that upon a closer examination, it will become evident that there has been a misunderstanding or error in the initial decision to limit my account. I humbly request that PayPal considers reinstating my account if the investigation supports this outcome. Restoring my account 's functionality will not only alleviate the inconvenience I am currently facing but also allow me to continue using PayPal 's services, which I have come to rely on for my financial transactions. I understand that PayPal takes its policies and security measures seriously, and I fully support those efforts. However, I genuinely believe that this limitation was placed in error, and I am eager to cooperate with PayPal to resolve this matter promptly. Thank you for your prompt attention to this appeal. I am hopeful that, upon review, my account can be reinstated, and I can continue to use PayPal 's services without interruption. I am ready to provide any necessary documentation or information to support the re-evaluation of my account status. Sincerely, XXXX XXXX | ||||||
| 03/11/2020 | Yes |
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| On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. Paid with XXXX XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away. I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back. | ||||||
| 04/13/2016 | Yes |
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| I attempted to purchase XXXX {$85.00} XXXX gift cards with my credit card via Paypal 's website. For unexplained reasons, I was only able to purchase XXXX of these as intended. For the last XXXX, PayPal only gave me the option to purchase with PayPal Credit. I reluctantly did so. No disclosures were made to me as to the details of the transaction with them to the best of my knowledge, but I was generally aware that they offered 6 months interest free on the purchase. I monitored my account on at least a monthly basis, as I wanted to make sure and avoid the interest. Each " e-statement '' I was e-mailed indicated a balance of {$170.00} and a minimum payment of {$0.00}. I was waiting for a statement that indicated a payment due so that I could pay in full and avoid interest. However, the first statement I received that showed a payment due was this month, and {$18.00} was already added to my balance. I had no warning that this interest would be added, and had never received any statement that seems to have indicated that the deferred interest would be charged until it already had been. I called Paypal and spoke to both a representative and a supervisor- the latter after approximately 20 minutes on hold- both of whom claimed they were not allowed to waive this interest, even if I paid in full today. I inquired as to the reason I was forced to use PayPal credit for my purchase instead of my credit card. The supervisor told me that sometimes there are purchase limitations for credit card purchases based on account history, but he said that my credit line had been open for some time and always in good standing, and that he ca n't understand why I would have been limited in this way. I believe that it was abusive to force me to use PayPal Credit ( apparently without justification under the company 's own policies ), and that it was deceptive to charge me more than 10 % of the balance without any warning, while leading me to believe that no payment was yet due. | ||||||
| 01/08/2023 | Yes |
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| Venmo payment of XX/XX/22 confirmed by Venmo that Transaction ID XXXX for {$300.00} from me, XXXX XXXX ( Venmo name @ XXXX ) to XXXX XXXX ( Venmo Name @ XXXX ) was successfully sent and received, however : 1. Although I see the transaction in my Venmo App as complete, XXXX XXXX does not see any transaction and never got a companion email from Venmo notifying him if a transaction ; 2. Although both of us have called and discussed the issue numerous times, they say the transaction was successful and XXXX XXXX received the money ; 3. My phone and email correspondence to get a resolution only leads to " the transaction was successful, the recipient has received their money. Thank you for using Venmo. '' NOW TODAY I CALL MY BANK AND THEY SAY THERE IS NO VENMO TRANSACTION FOR {$300.00}. THEY DO SEE A {$1.00} TRANSACTION WITH XXXX XXXX WE BOTH AGREED WOULD GET US CLOSER TO UNDERSTANDING WHAT HAPPENED. I STILL WANT A FULL EXPLAINATION OF WHAT HAPPENED BECAUSE MY VENMO ACCOUNT STILL SHOWS I PAID XXXX XXXX AND VENMO THAT XXXX XXXX GOT THE {$300.00}. I DID RECIEVE A MESSAGE FROM ANOTHER VENMO USER VIA THE VENMO APP FROM XXXX XXXX. HE ASKS IF XXXX XXXX RIPPED ME OFF WHEN TRYING TO BUY SOMETHING ON XXXX XXXX. I WOULD THINK I WAS RIPPED OFF IF VENMO SAYS I PAID XXXX XXXX AND XXXX XXXX SAID HE SEES NOTHING BUT ITS UNLIKELY : 1. I've had personal conversations with XXXX XXXX on XXXX occasions while trying to troubleshoot this problem and if he took my money he would not have likely bothered. 2. If my bank says Venmo never took {$300.00}, then maybe Venmo created a phantom transaction - like one does when testing a system - and doesn't realize this transaction was executed on a test system. Anyway, I need to know exactly what happened and why because Venmo could turn around anytime they want and take my money and say I authorized it. If its months after XX/XX/XXXX, I may not be able to dispute it with my credit card company, XXXX XXXX XXXX. Thank you, XXXX XXXX | ||||||
| 03/08/2022 | Yes |
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| On XX/XX/2022, I purchased an airline ticket for my husband with XXXX XXXX. I chose PayPal as the payment option, and selected " use PayPal balance '' for the transaction, because I had {$2600.00} in my PayPal account at the time. The total cost of the purchase was {$2500.00} ( {$2500.00} for the ticket + {$41.00} for seat upgrade ). After the purchase, I checked my PayPal account and saw that my {$2600.00} balance was reduced by {$2500.00}, as expected. The following Monday, XX/XX/XXXX, I checked my XXXX credit card account ( which is linked to my PayPal account ) and saw that a {$2500.00} charge from XXXX posted to my credit card account. Upon reviewing my PayPal account, I found that the {$41.00} seat upgrade posted with the funding source as " PayPal balance '', but the airline ticket posted with the funding source as my XXXX card. However, my PayPal balance was still reduced by {$2500.00}. I spoke to PayPal, and they said that for some reason, there is still a temporary hold/pre-authorization on my PayPal funds XXXX though the transaction posted to a different account. I was told by PayPal that only the merchant could cancel a pending charge. I contacted XXXX XXXX and they told me there is nothing they can do because they have limited access to PayPal transactions and do not see a pending charge on their end. I then contacted PayPal again and was told they would escalate the situation and I would receive a call back, but as of today I have received no further communication and there is still over {$2500.00} tied up in this mistaken pending charge. The only concrete response I have received is that I have to wait 29 days for the pending charge to " fall off '' to get my Monday back, which is causing major financial hardship for my family. I spoke to 2 different people with PayPal customer service and they could both see the issue from their end. I have been unable to get XXXX XXXX and PayPal to communicate with each other directly to remedy this problem. | ||||||
| 03/22/2017 | Yes |
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| XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication. | ||||||
| 07/29/2023 | Yes |
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| I recently ordered some boots ( XXXX boots, theyre great ) and after they arrived I had to return them. Id paid for the boots using paypal pay-in-four and the boots were paid in full months ago. Upon returning the boots, the credit for the purchase went back to my PayPal account and when I went to transfer the funds to my bank account, there was a notice on my PayPal app that said that theyd determined my account was risky and had permanently shut it down - not allowing me to transfer the funds to my bank account. I called them to see how I could get the funds transferred to my bank account. They said that they are holding my money for six months and theyll contact me in XXXX with instructions for how to get the money out of my account. Huh? No idea. They said this is in the fine print of their disclosures ( lengthy and confusing fine print ), and that they have the right to hold my money for six months. Its abusive. Its not right. Ive been a PayPal customer with this same account for many years. To my knowledge theres never been anything Ive done to cause this account shut-down and to cause them to hold my funds XXXX. They would not give me any information, and treated me like Id done something wrong. Im at a loss. I asked if I could escalate my case for resolution and a rep in their Limitations Dept said their decision was final and that there was no other option than to wait until XXXX to get my money back. Theyd never contacted me. Theyd never said anything. Just a final verdict, no recourse, and theyre holding my money. How can they legally just take my money? When I asked him why theyd want to turn off my account and lose a customer he told me We ban people every day. Banning customers with a solid usage history and lots of potential future value seems like a bad business practice, but not allowing people to transfer their money from their PayPal account to their bank account seems like it warrants an investigation. Is that even legal? | ||||||
| 08/21/2020 | Yes |
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| I filed dispute numberXXXX Against Paypal I have a consumer protection office for my account XXXX And their response was that they took my money, which amounted to XXXX dollars, because they felt that I was selling counterfeit products. Why did Paypal not notify the police against me because I am selling counterfeit products? How does Paypal take money when it admits that it is a crime - and conceals it from the police and investigation authorities. Why did Paypal not inform the company that claims that I have counterfeited its products in order for legal measures to be taken against me. If I, as Paypal claimed, I sell counterfeit and forged products and this is a crime according to the law - Paypal has committed several crimes for covering up that crime, appropriating the money obtained from it, and investing that money in its projects, which is the crime of money laundering. Paypal explicitly acknowledged that the money was obtained from selling counterfeit products - and instead of reporting to the police, they took the money for themselves. And US law punishes anyone who learns of a crime and does not initiate to inform the authorities, because he is thus considered a participant in it. They also took those money for themselves, claiming that it was to make amends for the damages suffered by them. According to the law, these funds must be handed over to the police authorities until they are investigated with me into those allegations that are deterred by Paypal. The Consumer Protection Office must take deterrent measures against PayPal so that they stop seizing the money of depositors under the guise that they are violating the law because that is a crime of extortion The Consumer Protection Office must open my dispute again and open an investigation against Paypal to protect American companies that people imitate their products and Paypal in the end seizes the proceeds of the sale without informing the police, which affects the American economy | ||||||
| 04/10/2020 | Yes |
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| My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. I clicked to accept the {$1.00}. At XXXX XXXX the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. As I told Venmo, they are " incompetent AT BEST. '' Please help. | ||||||
| 07/07/2023 | Yes |
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| I received an email about a job I applied for at XXXX XXXX. The perpetrator pretended to be a part of XXXX XXXX XXXX and initiated a hiring process with me. They informed me that I need to download the wire application for communication. They sent me a check for XXXX for office supplies and equipment ( computer, printer, scanners ). They informed me that I was to then send the money to vendors for equipment through XXXX XXXX Venmo. The money " appeared '' in my account, so I thought it was a legitimate transaction. I sent XXXX before I called the bank. XXXX XXXX XXXX then informed me they were actually holding the check and it was not available for use. The perpetrator must have known that the money will appear to be in the bank and when to ask for the money. Thinking I had " gotten the dream job '' I was too blind to actually realize what was going on until it was too late. Money was sent on Venmo to the user XXXX XXXXXXXX XXXX XXXX I called the bank to freeze my accounts and issue new cards. The bank failed to issue new cards immediately. I also filed claims on my behalf. I don't know who this person was, but they are posing as a legitimate company and scamming people with promises of job offers. I never received any equipment, goods, or services which is what I thought I was being paid for. Venmo has told me that I received no protection under these circumstances and there is nothing they can do because they provided the service they are employed to do. I tried to inform Venmo that I do not authorize any transactions, but they performed those transactions regardless. They are protecting the thief under a privacy protection plan. Additionally, I had an expired card on file when I attempted to send money. The transaction didn't go through because the card was no longer in service. The money was sent on a second attempt from a separate card. Now Venmo is attempting to charge me {$2000.00}. Meanwhile, I haven't authorized either of these transactions | ||||||
| 06/15/2023 | Yes |
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Web | Servicemember |
| I contacted PayPal about a seller named XXXX XXXX who runs a company called XXXX. The items were on a payment plan and PayPal has the invoice as it was created using their system. In XXXX of XXXX I sent XXXX a message stating that I needed her to send some of my items since I paid well over {$5000.00} ( it was crystals ). She stated that I needed to pay the entire balance before she sent me any of the crystals. I told her that thats not right and she combined the invoices to make one invoice. She stated that she would get back to me about the shipping costs. In XXXX of XXXX I reached out to XXXX XXXX and told her to send me the shipping invoice for the crystals by XX/XX/XXXX. She didnt send it. In mid XXXX she sends me a message and says that she is being kicked out XXXX and needs me to pay for shipping by XX/XX/XXXX. I told XXXX XXXX that I told her to get back to me by XX/XX/XXXX as that is when my check comes. I also told her that I needed additional time as my military pension is paid at the end of the month. XXXX refused to to refund me and refused to ship my items. She kept over {$5400.00}. She scammed me. I reached out to PayPal and they told me that since it was over 180 days they will not return ny money. Even though they have received multiple complaints about this seller and her non shipping. This was XXXX. In the case of XXXX they should refund me my money. PayPal instructed me to sue her. I can not Sue an overseas person. I live in the United States. Furthermore XXXX XXXX also lied. She never left XXXX as she said she was and her last shipping date was XX/XX/XXXX. She had ample time to allow me to pay for shipping. However XXXX XXXX resold my items on XXXX and kept my money. PayPal also lied. They returned other peoples money far beyond the 180 days and I have evidence of that. When I alerted them they told me that they can not discuss other accounts with me. However it is clear bias as I was scammed by a customer. That is wire XXXX | ||||||
| 06/30/2015 | Yes |
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| I sell XXXX online for payment with paypal. I 'm registered with XXXX and follow strict customer Id and XXXX procedures. I had a customer buying large amounts of XXXX from XX/XX/XXXX through XX/XX/XXXX. We collected multiple selfie with id pictures. Also the customer was shipped secure tokens XXXX to her address and had to read back the numbers to prove she was who she said she was. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, they determined there was near XXXX probability that her identity had been stolen. So after a week though, paypal now claims that her bank did ach reversals on all {$16000.00} that she spent. They want me to pay this. I want the name of someone at the bank to speak to about this and proof, but paypal wo n't provide it. I do n't think I should have to pay paypal back if they wo n't allow me to refute the alleged evidence that they have. I do n't even see any evidence that anything was charged back. Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I am out nearly 100 % of the cost unlike music, videos, or software that are only copies. Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more. And I feel that I should at least be able to see the reversal documents from the bank as proof. If they want to redact some private information that is ok. It is a shame how banks and paypal allow people to commit obvious fraud and theft and do nothing about it, and try to pass along all the costs to the seller. | ||||||
| 10/27/2020 | Yes |
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| There are 2 issues - We purchased an item through PayPal. As we later discovered the item was sold by a XXXX company. It arrived in pieces and unusable because it was very cheaply constructed and very poorly packaged. We took photos on opening ( the box was destroyed so we highly suspected the product was going to be damaged ). We sent photos and PayPal advised us that we had to return the product to XXXX at our expense. As it turns out, this was more expensive then the product was. PayPal offered no further assistance. We would expect that, given the timeliness of our actions and thoroughness of the documentation we provided PayPal, that PayPal would refund our money ( {$30.00} ) and hold the manufacturer and/or shipper accountable. They refused. The second issue is that we were so frustrated with Paypal that we attempted to close our account. When we attempted this we received an error message that said we had to notify customer service. There is no phone contact information so we messaged through the PayPal website. We did this 3 times stating we would like to close our account and asked PayPal to delete all of our personal information including, but not limited to, contact information, account activity, etc. - and to eMail us a confirmation when that was done. 3 times we have received messages back stating we should " rethink '' our position and not close our account. When we were really, really insistent, PayPal sent us instructions on how to close the account - these were the same steps we followed initially when given the message to contact Customer Service. Regardless, we tried to close the account again and received the same message to contact customer support. We have tried to be polite ( even though we disagree with PayPal ). PayPal has been unresponsive to either of our requests and we are fed up dealing with them. We have yet to have them carry out any of our simple, straight-forward requests - and they have not closed our account. | ||||||
| 02/18/2020 | Yes |
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Web | Servicemember |
| Noticed on my XX/XX/2019 credit card statement, that on XX/XX/2019, a payment was made for {$14.00} to something called XXXX via Paypal. The phone number listed with the transaction was something generic like the paypal main number. I did call the number, but the person I spoke with seemed to have some trouble with basic English, so it seemed suspicious. Called my credit card company and asked them to make an inquiry to paypal about this. Paypal never responded. The credit card company eventually gave me a credit for {$14.00}. A month later I got a call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking me why I had cancelled a payment to them. Well, if it was something for the XXXX, I guess I am down for that, so I called my credit card company and say that I wanted the previously refunded {$14.00} charge to do through, which they the card company agreed to. A month or two later, the XXXX told me that they never got their money, and that paypal had charged them a {$20.00} fee for a cancelled transaction. I called paypal and spoke to another suspicious sounding person who seemed to have trouble with English and managed ( after about an hour ) to express that I would like the charges to go through to the XXXX. I had to supply letters from the credit card company stating that I gave up my right to my {$14.00} transaction refund, which took another 30 minutes. After all that, the XXXX never got their {$20.00} back from paypal and neither the XXXX nor I got the {$14.00}. So, I am out {$34.00} for nothing. And paypal never even transferred the money. This is basically theft. I complained to the XXXX XXXX XXXX and youll never guess like a month or two later someone got back to me and basically summarized my complaint back to me as a response. I followed up on this and like a month later, I got a reply telling me that no one was getting the {$20.00} back. ( Too bad, so sorry, I guess. ) And, still no one got the original {$14.00}. Theft. Just theft. | ||||||
| 03/09/2021 | Yes |
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| paypal just scammed me.Let me say that paypal are XXXX of epic proportions.They have a seller protection policy which is a fraud and a lie it is A BOLD FACED LIE PERIOD.This paypal company has many reviews about their " service '' on the XXXX XXXX XXXX XXXX, XXXX etc like over 50,000 reviews and 99.9 % of these reviews are all negative .How on earth has this company not been shut down? They ruin lives is what they do.For XXXX Buyer purchased something from me and i sent her exactly what she ordered.Buyer then claimed i sent her less then what she ordered and filed a dispute for a full refund.I had full XXXX verified delivery confirmation with photos showing we sent her exactly what she ordered.She claimed we sent her 1 bottle of this childrens nutritional vitamin syrup when she ordered 6 bottles.Not only did we sent photos of the 6 bottles with the XXXX tracking number but we also got a invoice from XXXX showing the quantity which we sent was 6.The shipment weight also proves this.There is no doubt we have proven the buyer is a XXXX.These XXXX paypal are asking her ( the buyer ) to return the 1 bottle and then she will get a full refund.Problem is we didnt send her 1 bottle we sent her 6 bottles and even if we get the 1 bottle back in damaged or broken condition ( broken in transit ) the buyer will still get a full refund.We XXXX sent her 6 bottles paypal you XXXX.When we proved the buyer is a XXXX as in there is absolutely no doubt, paypal is still giving the buyer a chance to commit fraud.This is against their own seller protection policy.I demand my money back paypal you are clearly misleading people to use your services promising seller protection when there infact is none.you know it i know it and the whole world knows it look at this XXXX companies reviews all over the internet for XXXX XXXX.I have been scammed by this paypal XXXX company make no mistake about that no matter what they say i have been scammed by them and they are bold faced XXXX | ||||||
| 09/19/2023 | Yes |
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Web | Servicemember |
| The complaint is against PayPal. I have had an account with PayPal for a long time that I rarely have used except maybe 1 or 2 transactions over the life of the account since it was created. They placed my account on a temporary restriction and requested information from me to resolve the account restriction including linkage of a bank account and photo ID. These documents were submitted and accepted when I was logged into my PayPal account. Today, I received an email with a receipt indicating a purchase through PayPal that appeared to be a scam. I do not use PayPal. I logged into my account on the legitimate PayPal site to close my account which I was unable to do so. The site indicated that I needed to resolve issues with my account to remove the limitation and could not close or delete any information until that time. I also found the attached notice that stated, " We're permanently limiting your account. You can no longer use PayPal as we've decided to permanently limit your account after review. '' I called PayPal today at XXXX and spoke with XXXX. She stated that PayPal determined that transactions on my account were a security threat to PayPal and its users despite seeing that the account is not used. She stated that I could not close the account or delete any information with the permanent limitation status that she could not override. She would not immediately state the reason that my account was permanently limited but then stated it was due to the photo ID that I submitted upon their request that created the issue but would not tell me anything more. She said that I could submit another photo ID for review. I refused stating that I would not provide any further information since PayPal was not letting me have control over it. She kept referring back to the User Agreement. She could not do anything further. I stated that I would file a complaint with the FTC and CFPB to have my account and all the information deleted from their databases. | ||||||
| 08/02/2023 | Yes |
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| I hope this message finds you well. I am writing to address a matter of utmost importance concerning my PayPal account with the email address XXXX. I recently received notification that my account has been permanently limited, and I must express my deep concern and disbelief regarding this decision. I firmly believe that this limitation must have been placed on my account by mistake. I have been a loyal PayPal user for many years, and I have always adhered to PayPal 's policies and guidelines. I would like to emphasize that I have not violated any of PayPal 's terms of service or policies, knowingly or unknowingly. I take pride in conducting my transactions with honesty and integrity, ensuring that all my activities comply with PayPal 's guidelines. In light of this, I kindly request PayPal to reconsider and thoroughly re-investigate my case. I am confident that upon closer examination, it will become evident that there has been a misunderstanding or misinterpretation leading to this unfortunate limitation. I sincerely hope that PayPal will grant me the opportunity to rectify any discrepancies and demonstrate my commitment to upholding the principles that PayPal values. It is of great importance to me to have my account reinstated, as it plays a crucial role in both personal and professional financial transactions. I understand the need for security measures to safeguard the platform and its users, and I fully support PayPal 's efforts in this regard. However, I humbly request a fair chance to present my case and prove my innocence in this matter. I kindly urge you to treat this appeal with the utmost priority and urgency, as I am eager to reach a resolution at the earliest possible time. I have complete faith in PayPal 's commitment to fairness and am hopeful that my appeal will be considered with an open mind. Thank you for your attention to this matter. I look forward to a positive response and the reinstatement of my PayPal account. | ||||||
| 05/25/2023 | Yes |
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| I will disclose further details if or when necessary, however, I sent a few payments to an unknown individual using my PayPal cash card. The payments were for an introductory meeting/payment for my security deposit and first night rent of the home I was negotiating to stay in. I discussed the details of my business and what other services I might be able to help her grow her business with, but essentially the agreement was my payment to her for security deposit and 1 night stay at her residence until further " lease '' terms were intended to be negotiated. The woman in question is not my associate, nor have we ever met in person, but after convincing me to send one payment after another I had sent several payments to cover the deposit and " rent '' for the night as well as negotiated a meeting to discuss business ventures. However, after multiple successful deposits sent to her from my paypal account I was given a physical address to meet in person and was blatantly lied to. The woman never answered the door, the house appeared to be vacant and I even jeopardized my safety by spending money i could not afford to cover my shelter cost for the evening. I tried to dispute these charges and transactions with PayPal with whom, I have had my account active since XXXX and almost NEVER have I filed disputes. My dispute including the following : " This person scammed me into a few payments that were supposed to be for a deposit on a rental of a house and they never delivered what they promised me whether I made several payments they demanded upfront '' However, they responded a few days after disputing said charges with the following comments : We've closed this case as our review showed that this transaction was processed correctly and an amount of {$50.00} USD was successfully transferred to the XXXX on XX/XX/XXXX at XXXX XXXX XXXX. Transaction ID 's Transaction ID XXXX ( {$52.00} ) Transaction ID XXXX ( {$100.00} ) Transaction ID XXXX ( {$52.00} ) | ||||||
| 08/10/2022 | Yes |
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| I tried to withdrawal money out of my Venmo account to use for rent about 4-5 days before it was due and I saw both instant/non-instant transfer options were giving me an error message. Weird, because I've had the same bank account attached to my Venmo for the entirety of the 3 years I've had the account. I got an email from Venmo the next day saying " your account has been frozen '' and they asked me to re-verify my ID. I've been a Venmo user for 3 years and I've never been asked to re-verify my ID before. I've never even had a negative account balance once. I'm a great customer. I did what they asked then I received an email about a week later saying my account is XXXX permanently, I can't withdraw my account balance for 180 days, and THEY WON'T TELL ME WHY. I have over a grand stored in my Venmo account balance that they won't let me touch. My rent money. Guess who was late on rent because of that? Me. Guess who had to pay late fees? Me. It's been over a month now and my money is just sitting in my account still. This is utterly insane. How is it legal for them to hold my money against my will? The platform wouldn't let me withdraw. Then they look into my account and disable it without telling me why. And my funds are just stuck in there? Why? I will not stop until I have rightful access to MY funds. Also making sure all Venmo users knows their money isn't safe in either of your platforms. You'll be hearing A LOT more from me. Venmo solely and with XXXX knows what motive created financial problems that greatly affected my life for multiple weeks straight by holding my money captive in their platform. There are thousands of other people that are in the same situation as me : check posts on their reddit page ( that's literally all that's on it, just people talking about how their accounts are frozen and they also can't access their funds for 180 days ). It's even been covered by several news stations and Venmo declined to comment on the issue. XXXX. | ||||||
| 02/07/2016 | Yes |
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| XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. -they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. -They claim I have no protection on this sale because my item was a non tangible. How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud? | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, and I would like to request a thorough re-investigation of my case with the aim of having my account reinstated. First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a limitation. I have been a loyal and responsible PayPal user for an extended period, and this sudden restriction has caused me significant inconvenience and distress. I kindly request that PayPal 's support team thoroughly review my account activity, transactions, and history. I am confident that upon careful examination, it will become evident that I have not violated any of PayPal 's terms or policies. It is crucial for me to have my account reinstated, as it plays a vital role in my financial transactions and online activities. I understand that PayPal takes security and compliance seriously, and I appreciate the measures in place to protect users. However, I believe there may have been a misunderstanding or error in the assessment of my account. I am more than willing to cooperate fully in providing any additional information or documentation necessary for the re-evaluation process. In conclusion, I kindly request that you re-investigate my case promptly and thoroughly. My goal is to have my PayPal account reinstated as soon as possible so that I can continue to use your services for my financial needs. I believe in PayPal 's commitment to fairness and integrity, and I trust that this matter will be resolved in an equitable manner. Thank you for your prompt attention to this appeal. I look forward to a favorable resolution and the restoration of my PayPal account. | ||||||
| 04/18/2018 | Yes |
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| On XX/XX/XXXX I made an online purchase from XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX XXXX XXXX immediately on XX/XX/XXXX. I cancelled the order a few minutes after placing the order ( also on XX/XX/XXXX ). WXXXX did not ship the order. I placed a second order from XXXX, also on XX/XX/XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX XXXX XXXX account immediately on XX/XX/XXXX. I cancelled the second order on XX/XX/XXXX. XXXX did not ship the order. XXXX refunded the full amount of both orders on XX/XX/XXXX, totaling {$4500.00} ( {$2200.00} x 2 ). A week later, on XX/XX/XXXX, PayPal illegally transferred {$4500.00} from my XXXX XXXX XXXX checking account without my knowledge or consent. I have emailed and called PayPal to resolve this issue to no avail. The PayPal representative said the funds will be put in my PayPal account but that has not occurred, nor can they tell me why the money was taken from my account. The rep also could not explain why the XXXX refunds still show as Pending on their website since XX/XX/XXXX. Any refund should have posted in over a week 's time. I do not nor have I ever kept money in a PayPal account. I have always used PayPal as an intermediary and payments are taken directly from my XXXX XXXX XXXX account or other stored method of payment. I requested to speak with a manager on three separate occasions and was placed on hold for over an hour before giving up and disconnecting the call. I have only received auto responses to the emails I have sent to Customer Service through the PayPal website. I do not believe they intend to return my money. I went to XXXX XXXX XXXX and filed a fraud report and they are investigating the issue, but that can take up to 90 days. I also contacted XXXX requesting whatever assistance they may be able to provide in resolving this issue but have not received a response. | ||||||
| 03/07/2022 | Yes |
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| My full name is XXXX XXXX XXXX Im from the United States PayPal permanently limited my account on XX/XX/2021, I never violated the acceptable use policy. PayPal arbitrarily debited my entire balance of {$11000.00} with the Transaction ID : XXXX Under the common law liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. Previously PayPal said I violated the bogus prefabricated Acceptable use policy, in accepting payments. 1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent. 2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached ZERO! 7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I will be joining a class action lawsuit against PayPal, if this issue is not resolved promptly. I have tried to resolve this many times with PayPal and they always give me bot prefabricated responses. | ||||||
| 03/12/2018 | Yes |
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Web | Older American |
| RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested. | ||||||
| 01/01/2019 | Yes |
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| On XX/XX/18 Paypal deducted {$43.00} out of my checking account three times for a purchase I made that was {$43.00}. I filed a complaint with them and accidently I put the wrong purchase amount of XXXX. They denied the claim and said I could appeal and I should show proof. I sent the appeal and explained that the amount I told them was incorrect and it was not the XXXX that I had originally claimed of {$43.00} but the correct amount was XXXX. In the first complaint they also did not acknowledge that I was billed 3 times but on their end they described it as being charged 2 times. In my appeal I explained I was triple charged and the new amount. I explained to them that they owe me {$87.00} and attached a print screen of the transactions for being charged {$43.00} three times. They did not even read the appeal and continued their review and the {$43.00} amount and only as a double charge and then denied again. When they denied again they had the nerve to tell me on XX/XX/XXXX they would be taking yet another {$43.00} out of my account! Why would they be taking that money? They denied the complaint. Thy never gave it back to me. They claim they did something called a " Provincial '' Credit. Most be some ghost credit as it never went into my account! I am tired of dealing with a company that could easily see what it going on and pretending like they don't just to earn interest on my money. They need to be stopped! I am one PayPal user out of millions and they have got to be making an astronomical amount of money playing this, " We don't understand '' game with our money. I have tried calling them and I get a rude and pretending to be confused associate. Feels like it is all part of keeping my money as long as possible. Now they are going to take more money from me. This is outrageous and as soon as we have this resolved I am going to close this account. Please help. I am attaching a extraction from my checking account showing the debits in question. | ||||||
| 10/30/2018 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018 | ||||||
| 02/17/2016 | Yes |
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| On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter! | ||||||
| 10/02/2023 | Yes |
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| Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. My account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX ( 12 U.S.C. 5481 ). Having thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. PayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. I beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. I stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. Sincerely, XXXX XXXX | ||||||
| 05/13/2022 | Yes |
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| XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. ( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. I receive the email stating I can not withdraw my money ever. | ||||||
| 11/10/2023 | Yes |
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| My PayPal account email : XXXX PayPal case ID : XXXX XXXX never received a package from the seller from XXXX paying through PayPal. The package was worth {$810.00} USD total and XXXX told me to settle the case via PayPal. The package was supposed to arrive on XX/XX/23. The seller did not require a signature upon delivery, and the package was only insured up to {$100.00} per USPS. I have attached screenshots of my communication with the seller in an attempt to ask for a refund and resolve the issue. Seller did not provide me a refund and the issue was not resolved. Initial USPS case ( case # XXXX ) was closed with USPS unable to find my package or resolve the issue. USPS customer service representative I called on XX/XX/23 recommended I reach out to PayPal to resolve this issue. USPS started a new case ( case # XXXX ), but the representative stated, due to the package only being covered {$100.00}, I should file a claim with PayPal. I have called PayPal at least 4 times since filing my claim and the representatives refuse to resolve my issue. PayPal 's policy states that, for any item over {$750.00} USD, a signature upon delivery is required for " Proof of Delivery. '' The seller in my case did not do this, and I still have not found my package despite checking around my apartment complex and calling USPS multiple times. Thus, there is no " Proof of Delivery '' per PayPal guidelines. One PayPal representative told me the case would be resolved during the first week of XXXX. It is now past that and nothing has been resolved. Another PayPal representative stated that they contacted USPS, but USPS would not provide them any information as the USPS investigation is separate from PayPal. Therefore, PayPal using USPS as an excuse to delay resolving my case is not valid. PayPal is refusing to work with me to come to a resolution for my case, as they have provided me no updates at all outside of me calling them. I demand a refund from PayPal. | ||||||
| 03/28/2023 | Yes |
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| I have been using Paypal for the past few years to accept payments from clients for my XXXX XXXX and XXXX XXXX XXXX. It is one of the platforms I used, and only use it about 30 % of the time. Payments via the platform typically range from $ XXXX {$6000.00}. This month, XXXX, three clients opted to use PayPal to complete payments for my XXXX XXXX for total balance to approximately {$13000.00}. PayPal initially held on to the funds for 3 days before they could clear. PayPal later asked for proof and documentation regarding the nature of my business and ability to provide the paid for services. I provided copies of my professional licenses and driver 's license, as well as links to my website where all the services are outlined. I also explained that the funds are retainers paid for court evaluations. However, PayPal determined that the information was insufficient. Twice they asked for more information. Each time they came back asking for more after discounting my answers. They have not identified their concerns. The current requests are copies of bank statements and signed contracts between myself and my clients. I have declined to provide that information, cancelled all the transactions and requested that my clients be refunded. PayPal did refund two of the transactions, but kept the funds for the third transaction of {$5700.00}. Instead, they issued a check from my business bank account linked to my PayPal account while withholding the client 's payment. I have requested that my funds be returned, but to no avail. Their actions are doing harm to my small business. I have been in this line of work for 8 years and have worked hard to be able to get such contracts. This back and forth with payments will cause clients to doubt my professionalism and hurt my reputation. I am asking for Paypal to refund {$5700.00} as its services were not used for any transactions. I no longer wish to engage with the platform and will be closing my account. | ||||||
| 11/11/2023 | Yes |
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Web | Older American |
| I have an ongoing dispute with PayPal. I had some unauthorized transactions that came off my account. The company claims I am being refunded, but I have been told multiple conflicting stories. I also would like to mention that the California Attorney General is involved now as well. Now as of late Paypal will not respond to any of my e-mails. I need Paypal to explain to me where the refunds are. When I will be receiving the refunds as well. I am attaching several messages from several different departments where Paypal says the case XXXX has been updated from authorized to unauthorized. The only reason I am writing this is because it seems some other agents are not knowledgeable and saying I am not being refunded. None of these are refunded to my account. Not one. Also attached is messages from the merchant that I have never had an account with them. Case details Case ID : XXXX Date reported : XX/XX/2023 Transactions refunded XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX XXXX Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX CRYPTO.COM XX/XX/XXXX, XXXX - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment XXXX PayPal Debit Card Transaction ID : XXXX - $ XXXX | ||||||
| 11/19/2022 | Yes |
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| On XX/XX/XXXX I sent {$1000.00} from my business checking account using PayPal to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX NC. The amount was to pay for a full-day rental at the studio to create a video for a client that had hired XXXX XXXX XXXX XXXX Moments after I sent the money I was informed that XXXX XXXX was either locked out of his PayPal account or simply did not have access to it. I am unclear exactly what he had meant by this. So, I decided to open a case on this transaction. I asked XXXX to create a document proving that he was refunding me so I can submit this to PayPal to help my case. I submitted the document to PayPal, yet they denied my case. I talked to XXXX XXXX about this, and I checked my PayPal account later to see that he had initiated a refund of {$1000.00} to me. I contacted PayPal support to see when I would receive the PayPal refund. I asked their assistant bot two times and both time they gave me a different answer. The first time on XX/XX/XXXX, they said I would receive it in 5-7 business days from the day of the refund which was XX/XX/XXXX. On XX/XX/XXXX I messaged the support bot again and they said I would receive it on or before XX/XX/XXXX due to the XXXX XXXX XXXX XXXX. Today, XX/XX/XXXX I check my PayPal to see that the refund has now been canceled. I don't know if XXXX XXXX canceled it or if PayPal did. I got on the phone with XXXX and told him what occurred and he told me he " never received the money and that it was probably in limbo somewhere ''. Today on XX/XX/XXXX I also tried to open another case for the original transaction and was unable to do so. XXXX XXXX said he is going to contact PayPal XX/XX/XXXX and try to get a resolution and my money back. XXXX and I will be meeting XX/XX/XXXX in person to try and come up with a resolution. Because of this situation I lost an opportunity that I would have made {$3000.00} from and I now have to refund a client {$1000.00} that I do not have. | ||||||
| 06/21/2023 | Yes |
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Web | Older American |
| I received a {$2000.00} transfer through PayPal and then transferred the {$2000.00} to a friend who indicated that she needed it. She resolved her financial issue and went to send it back to me when she found that PayPal had put a 21-day hold on the funds because of '' increased activity ''. Whose, mine or hers? And hw much activity is too much? She has called PayPal customer service several times to ascertain why the hold has been placed and no reason could be provided. After making several calls she got a PayPal supervisor who advised her that the funds were available. When she went to link her PayPal and her bank card to the account to put the funds inti her XXXX XXXX XXXX account, the card ( s ) would not be accepted. From a major financial institution, why not? Again no explanation was provided, so more calls were made to PayPal with no resolution. She asked them to return the funds to me, which they said they could not once the transfer had been made even though the funds are 100 % with PayPal and can not be accessed. In addition they assessed a heavy fee of {$59.00} for the transfer which was not disclosed when I initiated the transfer. It only appeared on the receipt of the recipient. ( See the attached screenshots ) I am attaching the receipts from PayPal regarding this transaction. Their complete lack if transparency explaining their funds hold prior to initiating the transfer is not acceptable. If they couldn't transfer the funds once I initiated the transfer they should have said the this specific transfer is subject to a 21 day hold and would I still want to complete the transfer, not place the hold on the funds AFTER THE TRANSFER. I want PayPal to be held accountable for fees and information about holds inly after the transfer is initiated. If there was " increased activity '' then this should have been disclosed to me prior to initiating the transfer to allow me to decide if i want the funds held for up yo 21 days! | ||||||
| 11/28/2022 | Yes |
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| My account was charged {$59.00} on XX/XX/23 from an unfamiliar merchant, XXXX XXXX According to the transaction listing in my PayPal account, the charge would occur monthly for 1 year. I de-activated the subscription and filed a claim with Paypal. The agent who responded to the initial unauthorized transaction form gave me a list of 11 gift cards created in my name to deduct funds from my account. I checked the box no for of the gift card listings that were provided. Also, the gift cards were scheduled to deduct funds from my account in the next few weeks. I wasn't aware of an option that would allow account holders to create gift cards to deduct from their account. My Paypal account center activity does not reflect gift cards authorized to debit funds from my account. Less than two hours later, I received a verdict in writing stating my claim was closed. Paypal deemed the transaction authorized because I had similar transactional activity on my account. PayPal 's findings are untrue. My claim did not include supporting evidence that an investigation occurred. There are no other transactions on my account from XXXX XXXX, nor were there transactions for {$59.00}. I don't understand the similar transaction activity statement. Is the relevant? Wouldn't a more appropriate response state, this merchant has charged your account before? Did you close your account prior to the charge? If the activity was similar, there were no follow ups to determine the status of the customer relationship. Most importantly, I do not have a relationship with a merchant called XXXX XXXX According to my research, they are affiliated with a mental health app called, XXXX XXXX. I do not have an account with XXXX XXXX. According to the website, the email for support is XXXX. However, the web address on my transaction history is XXXX. I have not received a response from either website. Your support with this issue would be greatly appreciated. Thank you, XXXX XXXX | ||||||
| 01/04/2022 | Yes |
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| PayPal withdrew and kept my complete funds of {$830.00} on XX/XX/XXXX The last day I was able to use my PayPal account was XX/XX/XXXX. Due to them locking me out of my account. When I called PayPal and spoke to a representative they said that the PayPal team determined I was using my account for gambling and there was no way of me disputing it because the PayPal team made their decision. The rep went on to say that I would receive a email in 6 months letting me know when I would have access to my account. They claim that they needed to put my account on hold to make sure any transactions I had made would be processed. I would periodically check my account to see if I had access again I did this at least once a month between XXXX and XXXX of XXXX. I noticed a few days after XX/XX/XXXX that PayPal had withdrew my complete funds of {$830.00} and transferred my funds to themselves ( paypal ) Below is the letter I wrote to the president of PayPal but I never received a response XX/XX/XXXX XXXX XXXX, I am writing regarding a PayPal transaction on my account dated XXXX, where your company transferred my funds, in the amount of {$830.00}, as payment to PayPal citing an acceptable use violation. Your company has made a claim against that those funds were obtained through gambling and they absolutely were not. I was originally told that the funds would be held for 6 months and then released to me and then noticed that this had occurred instead. I never agreed to PayPal taking my money. This is extremely devastating because although it may not be much to you, this is A LOT of money for me and I need it back immediately. Please consider this my formal demand letter. If the money is not returned within one week from todays date, I will be reporting this matter along with a formal complaint to the State of Alaska, Division of Banking & Securities and any other entities necessary. I would appreciate immediate attention to this matter. Regards, | ||||||
| 11/09/2019 | Yes |
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| Paypal violated their policy by permanently suspended all of our accounts and holding all of our funds for 180 days. XXXX was started by my family and I. It is a website that sell consumer products to pet owners. I've been successfully running online shopping businesses for 2 years, in XXXX we processed {$400000.00} of revenue through Paypal. In XX/XX/XXXX after 1 month of operating XXXX. All my business and personal account got permanently suspended and all of our funds are withheld for 180 days. Paypal 's explanation : " The decision to permanently limit your account was made because of circumvention of PayPal 's previous limitation and reserves. As well, your account was linked to other limited accounts by login information, phone, bank, tax identification information, and address. '' This it absurd, last year ( XX/XX/XXXX ). I was operating a store with a partner, after our business partnership ended. I created a new Paypal under the same company to start a new store. I spoke a risk analyst from Paypal and the recommended that I do this and I was approved to use Paypal to process payment. In XX/XX/XXXX, after submitting this complaint to XXXX, Californias DA, PayPal released funds from one of my accounts ( PROOF ATTACHED ) but still have around {$3900.00} hold on my other account. My request is simply - please release our funds immediately from XXXX. PayPal realized it was a mistake and released my funds on XX/XX/XXXX but still holding {$4000.00} in the XXXX account. Our business was approved by Paypal last year in XX/XX/XXXX. We created 2nd Paypal under the same business under Paypal 's recommendation. Our business has less than 2 % chargeback over 1000 orders. Due to this hold of {$8000.00} for 180 days we have to take out personal loans and can not pay our employees and our suppliers. Paypal violated their own policies and unfairly accused of something that was recommended by their own departments. Account ID : XXXX XXXX | ||||||
| 04/13/2023 | Yes |
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| On XX/XX/2023 I sent {$130.00} to XXXX XXXX for a downpayment for goods that was supposed to be delivered to my house. That was the name in the email and XXXX told me it was her grandson 's email. When that didn't happen, I asked for the address to pick the items up myself and was given an incorrect address over an hour away from me. I ended up at XXXX XXXX 's house and he even said I wasn't the first one who had gotten scammed. He had never heard of any of these people before. XXXX XXXX sent me the wrong address on purpose and then claimed I must have went to the wrong address and sent me a picture of her house and camper the stuff was in. He even told me to file a police report because I was not the first person who had showed up to pick items up that he had no clue about. I tried but the police came to my house and said they could do nothing about it. XXXX also texted me recently again and told me she had sent more people out there to his house! He said if I needed him as a witness, he was more than willing to be one. If needed, I can send in the communication thru XXXX XXXX that I have between us. The other two transactions was sent on XX/XX/XXXX to a XXXX XXXX. I was told that was her granddaughter and to send the money to her. I sent two payments equaling {$120.00}, so {$70.00} & {$50.00}. I never received the items I purchased and was never given a refund. Paypal told me although it was fraud, they could do nothing about it and is not willing to give me a refund although in my paypal account when I look it up, the {$130.00} says transaction refunded which it wasn't. I did speak to them over the phone and they didn't know why it said that but said they'd send me an email with an explanation that I still have not gotten. I paid a lot of money for items I never received and all I want is my money back. I even sent an email to a XXXX XXXX asking for my money back and never got a reply. Are you willing to help me get my money back? | ||||||
| 05/22/2020 | Yes |
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| Hello - This is a rejoinder to the earlier case that had been filed with CFPB regarding my ACH transaction limitation via Paypal withdrawing funds from XXXX XXXX Account. The details of the earlier case filed with CFPB under the reference number XXXX There were two entities involved in the Transaction. One being XXXX XXXX XXXX XXXX and the other being Paypal. This is a transaction involving my XXXX XXXX XXXX XXXX and Paypal. I had registered on Paypal my XXXX XXXX Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by Paypal from my XXXX XXXX XXXX account. Subsequently i logged a incident with XXXX XXXX and Paypal on the same day. Later on XX/XX/XXXX XXXX XXXX XXXX credited this amount back into my bank account, so did Paypal on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to paypal Instead of enabling the process the ACH freeze had been put on my account. Had logged a ticket with CFPB to which XXXX XXXX responded stating that they had not imposed any ACH restriction on my account. I had to do my own research by calling XXXX XXXX XXXX post XX/XX/2020. XXXX which, i learnt that it was Paypal which had imposed this ACH restriction on my account. On XX/XX/XXXX I called up Paypal was able to refund the excess amount of USD XXXX via my DEBIT as Paypal had not enabled my Banking channel for the excess balance lying in my account. XXXX companies do not have the same set of rules that are being imposed on the banks. The fundamental question is on how did Paypal as a payment service provider allow a third party to withdraw funds without any adequate checks and balance. There is no two factor authentication mechanism in place to avoid such a fraudulent or unknown charge at Paypal 's end. Regulator 's need to take time out and protect ordinary Americans from such financial frauds from taking place. | ||||||
| 08/02/2023 | Yes |
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| I have created a new account with XXXX. However, I was not able to link neither my bank account, nor my debit card to my account. Every time I receive a message saying that the details I have entered are incorrect. While I have double checked multiple times that the details I have enetred match exactly the details I have on file with the bank. When contacting customer service, it is absolutely impossible to contact a real person and get an answer about my issue. They suggest to contact the support team through chat. Every time I tried to do that I get the following response : " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I tried to contact PayPal customer service team via chat ( as there is no other means of contact available ) multiple times during different times of the day and always get the same reply " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". When I am asking when can I contact so that there is a Customer Support Agent available - there is no response. Neither there is an indication of the working hours of the Customer Service Agents available on PayPal website. Whatever the issue might be, there is practically no way to contac the company. This is absolutely unacceptable. There no support. The only way to communicate with Paypal is via chat where I always get the same answer " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I believe that any company in any industry has to have means for customer to raise questions, concerns and get support. If the company does not provide means for customer support and feedback- it is a violation of customer rights. | ||||||
| 07/09/2022 | Yes |
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Web | Older American |
| On Saturday XX/XX/2022 I sold my boat, motor and trailer for the amount of {$4500.00} to XXXX who is a friend of mine and is local. XXXX asked me if I would accept Venmo. I said OK because I knew others who had used it. He tried to transfer the entire {$4500.00}, however Venmo made him break it down into 3 transfers. He transferred {$500.00}, then {$1000.00}, and finally {$3000.00}. I could see the entire {$4500.00} sitting in my Venmo account. I set up my bank account information as requested ( by Venmo ) in Venmo. Was told by Venmo, they would deposit 2 small amounts into my bank account, which they did, I verified the amounts and they allowed me to transfer the {$500.00} and then the {$1000.00}. I can see in my bank account that they took back the small deposits that same day ( as expected and proves they did indeed verify my bank ). Venmo would not let me transfer the {$3000.00} and FROZE my account!! Venmo screen now shows that my " bank account is not verified '' and they are investigating something, which they will not tell me what!! I called twice and was given a very vague reason for the frozen account - " it will take 6 to 7 days to investigate ''! Why should I wait an extra week to get MY money! They are lying as they DID verify my bank account already, hence the 2 transfers of {$500.00} and {$1.00}, XXXX. I am almost XXXX XXXX XXXX and feel that I am being taken advantage of. How dare them keep MY money!!!! I spoke to my bank and they are not holding anything up so what is the problem? My bank also confirmed that Venmo did indeed verify my account with them. Is this how Venmo makes money??? I need my money made available to me to transfer into my bank account! I have a XXXXXXXX XXXX dog who is scheduled for XXXX XXXXXXXX and this is the money for that XXXX!!! I am so sick over this!!! Please help!!! Now today, I can't even log into Venmo. Changed my password as requested and am locked out. Is this some kind of sick joke??? | ||||||
| 01/31/2022 | Yes |
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| I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. I have an excellent credit score and refuse to allow paypal to destroy it. This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. XXXX for having the driver drop the package off in the middle of the street without obtaining my signature. asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit | ||||||
| 01/05/2021 | Yes |
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| PayPal has a very confusing dispute resolution process that invites user error and breakage into resolving transactions through their service. I used PayPal to purchase a subscription service. I only used my PayPal account as the point of sale administrator and used my credit card, linked to the PayPal account, for the funds. I ended up not needing the subscription and received a refund from the merchant. However, there were 2 transactions. One for {$170.00} and one for {$49.00}. The merchant refunded the {$170.00} transaction but did not remember to refund the {$49.00} transaction. I then opened a dispute with PayPal for them to resolve this situation. I then received emails stating that my dispute will close on a certain date as the merchant has not responded. This made me think that i would be refunded. I even called into the IVR, as I could not reach a call center rep, and it stated that if the merchant does not respond that the dispute will be closed. The date came around and I received a message stating that the dispute had been closed and could not be re-opened, yet there was no refund on my PayPal account. I called customer service at PayPal and, after 40min in queue, I reached a rep that stated that I ( the customer ) am supposed to call into PayPal and re-escalate the dispute to a claim when the merchant does not respond. I said I tried all of that prior to opening the dispute. They explained that it was the customer 's responsibility to open a dispute, work with the merchant, then call PayPal to escalate it to a claim. This is confusing and seems to try to get PayPal off the hook to handle these disputes. It also keeps the customer misinformed about the dispute/claim process so once they do try to get an update on progress, it may be too late. I've worked for many financial institutions where these types of practices would be examined by regulators. I would be embarrassed by this process. Wanted to pass along my experience. | ||||||
| 01/18/2017 | Yes |
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| This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. In addition I was promised by a Paypal representative that Paypal would take my side on this issue. The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. I will continue to pursue this case and have my money refunded, and pursue legal action if necessary. | ||||||
| 09/20/2023 | Yes |
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| Subject : Urgent Request to Reinstate My PayPal Account - Unjust Limitation Dear PayPal Support Team, I hope this message finds you well. I am writing to address the recent limitation imposed on my PayPal account and to request its immediate reinstatement. I am currently facing significant difficulties with my business, and this limitation has only exacerbated the situation. Firstly, I would like to clarify that I sell my own brand of bilingual learning toys for children. Each order is diligently shipped with tracking via USPS to ensure transparency and accountability. I have maintained a strong track record of satisfied customers and prompt deliveries. It deeply troubles me that my PayPal account was limited without any apparent reason or warning. I have always complied with PayPal 's policies and have never engaged in any fraudulent or unethical activities. I humbly request clarification on the specific reason behind this limitation so that I may rectify any misunderstandings or address any concerns. My wife and I are devout XXXX, and we are currently facing tremendous financial strain, especially with the impending arrival of our baby. The absence of PayPal as a reliable payment gateway has significantly impacted our ability to sustain our business during these challenging times. I kindly implore the PayPal team to reconsider this limitation and reinstate my account promptly. My intention has always been to provide high-quality educational products and foster a positive learning experience for children. I genuinely believe that my business aligns with PayPal 's values, and I am committed to adhering to all guidelines and policies moving forward. Your understanding and prompt attention to this matter would be immensely appreciated. I sincerely hope for a favorable resolution that allows me to resume my operations and support my growing family. Thank you for your time and consideration. Warm regards, XXXX XXXX XXXX XXXX | ||||||
| 06/14/2016 | Yes |
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| I recently made a purchase on PayPal. The purchase was charged to a PayPal credit account which I do not recall having ever established. Generally my PayPal purchases are funded through a linked bank account. When I called to complain, I was told that I could close the account but was not allowed to pre-pay the charge ( I have to wait a number of days until the payment goes through ). In other words, I have to call back/log-in again to make a payment against this charge. This is despite the fact that on my PayPal account, it does show that my credit limit is decreased as a result of my purchase -- so they are able to show that I have spent the money but they do not allow me to pay it! I was also told that charging to the PayPal credit account was set as my account default, although I would never have set this default since I did not even know I had the account! Despite the call-center representative saying that my account has been open since 2014, there are no statements available on the website and this is the first time I have ever had a charge go to this account. After the call, I did an internet search and it appears that there was a class-action lawsuit against PayPal regarding the establishment of PayPal credit accounts without a person 's consent. I would like to know whether I have any rights or standing under that lawsuit or whether there is any other way to file a formal complaint against PayPal for this deceptive practice. I am also concerned because I noted to both the initial customer service representative and her manager that I believed this was at a minimum poor business practice and more likely, ripe for a class-action lawsuit, and neither of them acknowledged the prior class-action lawsuit related to PayPal credit. Clearly PayPal has not done all it should have to rectify the issues it created when setting up PayPal Credit accounts for people without their desire/consent as related to the existing class-action suit. | ||||||
| 08/30/2023 | Yes |
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| I was traveling in XXXX and my preferred method of payment for XXXX is PayPal and on my PayPal account I have my preferred method of payment selected as PayPal credit. What PayPal didnt notify me was that some international vendors do not accept PayPal credit and therefore instead of consulting me on my backup choice of payment, PayPal picked an account by default and withdrew money from an account that is rarely used and I do not typically keep money in. When they withdrew the fees they didnt withdraw for the amount owed on the XXXX but they only withdrew for Insufficient funds. Therefore, I was unable to remedy this situation before I was negative approx {$810.00} in fees including ( 17 ) insufficient fund fees on XX/XX/2023 of {$37.00} each, ( 4 ) insufficient fund fees on XXXX XXXX of {$37.00} and ( 1 ) insufficient fund fee on XX/XX/2023 of {$37.00}. I had transferred money for a few fees on XXXX XXXX because I was traveling with limited internet access and could not investigate why my account seemed so far in the negative for a small amount of XXXX transactions. When I got home from Traveling on XX/XX/XXXX, I was notified of my account being over {$600.00} in the negative from all the insufficient fund fees being take out. I only saw insufficient fund fees and did not see the transactions. Had PayPal posted the transactions I could have easily remedied the situation and paid the bill before the insufficient fund fees were even taken out. Up until XX/XX/XXXX I had no idea that PayPal credit hadnt worked. I called PayPal twice even speaking to a manager and they didnt seemed concerned with how PayPal randomly chose an account without consulting their costumer or with how they withdrew the money only as insufficient funds. They sent me a letter that I was responsible for forwarding to my bank that request the bank to waive the fees but they fees shouldnt have happened in the first place if they withdrew the original transactions. | ||||||
| 10/27/2022 | Yes |
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| Im simply trying to get more clarification to an earlier complaint I had filed with Paypal, Compliant number XXXX. Im trying to get my data deleted from their servers. If that can not happen today because of federal law and regulations from the FDIC, so be it. However, upon doing more research into the subject after the call from someone at the executive office of paypal, she stated in both the written response as well as verbally to me over the phone on XX/XX/XXXX at approx XXXX XXXX XXXX with a follow up call at approx XXXX XXXX XXXX, that all data must be kept for 10 years. This is not the time length in the regulations I had found governing data retention for finical institutions. According the the FDIC 31 CFR 1020.220 ( a ) ( 3 ) ( ii ) - " Retention of records. The bank must retain the information in paragraph ( a ) ( 3 ) ( i ) ( A ) of this section for five years after the date the account is closed or, in the case of credit card accounts, five years after the account is closed or becomes dormant. The bank must retain the information in paragraphs ( a ) ( 3 ) ( i ) ( B ), ( C ), and ( D ) of this section for five years after the record is made. '' [ 75 FR 65812, XXXX XXXX, XXXX, as amended at 85 FR 57138, XXXX XXXX, XXXX ] My account was locked aka became dormant on or about XX/XX/XXXX, according to what Paypal states must happen, it will be XXXX before my data is deleted from their system. However, according to the FDIC regulations, that data must only be kept for 5 years. If I could get my data off of the paypal system in XXXX vs XXXX. I would take that as an acceptable outcome. I would have just handled this complaint via email however the provided email that i could reply with questions to XXXX XXXX XXXX comes back to my email as an invalid address. After calling paypal customer support again today XX/XX/XXXX at approx XXXX XXXX, they could not provide me with a valid email address to contact the executive team again. | ||||||
| 10/04/2021 | Yes |
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| I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account. I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help. This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal. | ||||||
| 04/06/2021 | Yes |
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| I'm reaching out as there was {$37000.00} taken from my Account by PayPal after I was promised my funds back after the 180 day hold Firstly my Account was put on a rolling reserve due to an increase in claim backs due to the significant delays for shipping caused by COVID Following this my Account was suddenly closed and funds were put on a 180 day hold without any information as to why this was done To my surprise after looking into it, I found this was a common issue and something PayPal has been doing for a while without any explanation I sent several emails to PayPal to find out why this hold was put in place but never received a response I was patient and waited the 180 which just ended today and to my surprise when I re opened my Account and the {$37.00}, XXXX was removed from my Account by PayPal. There was not a single email sent to me infrom me this has happened, let alone why! I called PayPal as quick as I could to be told by Paypal staff that I breached the Policies because I was selling drugs and cigarettes and PayPal has taken the {$37000.00} as compensation. " I had no need to be informed as I breached their policies '' and there was no allowance for any clarification on my end There has never been a trade of any of these types of products and I made it very clear what I was selling through PayPal with several conversations with their staff and through the initial application process where I provided my webiste which displayed the products and explained the nature of the products They classified the products we sold which were 'XXXX XXXX XXXX ' with cigarettes and drugs and thought they could just take the money I had in the Account under their simple answer of " you breached our policies '' I want to do everything in my power to have my money returned as just taking all my money without any indication, reasoning or any form of communication at all is absolutely wrong I really hope you 's can help me with this Thanks | ||||||
| 05/06/2015 | Yes |
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| I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). Dear XXXX, How long do you think this outdoor set will last under normal conditions? Thank you. - XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. - XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00} | ||||||
| 11/15/2022 | Yes |
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Web | Older American |
| VENMO - very poor security and they do not care. I had a VENMO account under the ID XXXX XXXX XXXX XXXX XXXX ). On XX/XX/2022 I received a text from a friend asking me why I was Sending via VENMO {$1900.00}. I told her I had not, I had not initiated any Venmo payments for many days. I immediately reviewed my VEnmo activity and noted that there were three unauthorized VENMO payments of {$1900.00} each, they were initiated by a a VENMO ID XXXX XXXX XXXX XXXX XXXX XXXX ( not even close to my VENMO ID ). I immediately called Venmo and after jumping thru numerous hoops was allowed to talk with someone who I told that there were threXXXX unauthorized requests by an ID that was not my VENMO ID. I was told I would hear back from VENMO via email within a week. They obviously do not take security breeches seriously. I immediately called my bank and asked them to block any debits from VENMO, at the time there were no debits noted on my bank account. The next morning there were 3 debit attempts of {$1900.00} to VENMO, these were declined by my bank and I went in the next day and CLOSED my bank account. I again sent email and phone requests that I wanted my VENMO account CLOSED. I was told it could not be closed as it was frozen. I received an email that the account was frozen. I called Venmo again a month later and AGAIN requested that my account be CLOSED. This time I was told I could not close the account because I had an unpaid balance ( which was a result of them allowing an unauthorized ID to access my account and attempt to access my bank account ). On XX/XX/XXXX, VENMO without my authorization allowed a friend to mistakenly pay me {$100.00} via VENMO, this was my first knowledge that my account was NOT FROZEN or CLOSED as I had numerous times requested. Talking with them via phone and email via their website, I again asked that my VENMO account be closed, I was told again that they could not close the account as I had an upaid balance. | ||||||
| 09/19/2019 | Yes |
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| On approximately XX/XX/2019, my daughter and I purchased a prom dress online from an online store. The dress was supposed to take 7 to 14 business days for us to receive it, however after 2 months we still had not received the dress.. On approximately XX/XX/2019 I reached out to my bank to file a dispute for the missing merchandise. The bank responded that the merchant " PayPal '' has confirmed merchandise was shipped and therefore could not confirm any error occured because the transaction was not fraudulent. Once I was notified of the merchant 's information from my bank, I reached out to them ( PayPal ) to inquire on the merchandise being sent or a refund being issued. This was around XX/XX/XXXX approximately. I was advised by a representative at Paypal that they do not sell merchandise and could not do anytging because the bank denied my claim of fraud. I reached back out to my bank to have the claim reopened and I also contacted and filed a complaint with the FDIC ( claim # XXXX ). After several months and many communication, I was advised the bank and FDIC can only contest the validity of the purchase and I would need to reach out to CFTB to file a complaint. Prior to contacting you and filing this complaint, I reached out to the merchant ( Paypal ) to again inquire on having a refund or the merchandise so that a return can be processed and was told again they could not assist because the bank had already denied the claim. I advised XXXX that the bank denied the claim because the transaction was not fraudulent, however still no merchandise had been received. She stated it was nothing Paypal could do since the bank denied the claim. I asked to speak with a supervisor and was put on hold for over 30 minutes with no one returning to the line. I have not neen able to get my merchandise ( which I no longer need because my daughter has now graduated and missed her prom ), nor a refund. I simply want my money back at this point. | ||||||
| 05/01/2019 | Yes |
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| Hi there, I am an XXXX seller who recently started selling on XXXX international sites. At first, I had set PayPal to do automatic currency conversions. Then I figured out that PayPal was charging significantly more than the mid-market rate, and I also found this post -XXXX XXXX XXXX - from someone saying how bad PayPal 's currency conversion rates are. I believe that person is based in XXXX, which makes a difference ( i am in the US. ) To avoid PayPal 's abysmal currency conversion rates, I had read that I should set Paypal to accept other forms of currency - this would turn off automatic currency conversion. So I did this. Then I opened an account on XXXX, with the intention that I would withdraw money from Paypal directly to XXXX in Euro, AUD, GPB etc. and have XXXX do the currency conversion to USD ( their rates are much more favorable than Paypal 's ). XXXX gives you international bank account # s to facilitate this. I tried to add those international bank account numbers to my PayPal account, and i found out I couldn't do it. Why? It turns out that paypal US will only allow me to add US bank accounts - so they make it impossible for me to withdraw other forms of currency other than USD. Essentially, paypal forces you to use them for currency conversion. I find this completely unfair as it is my earned money, and PayPal is taking all these unnecessary extra conversion fees and there is no way I can avoid those fees. paypal should give me the option to add international bank accounts so i can CHOOSE who does the currency conversion and am not locked into paypal 's predatory rates. this is not just me they are doing this to, but ALL U.S. paypal users. Unfortunately XXXX uses PayPal, so as an XXXX seller I can not decide to simply stop using them. I do not think PayPal should be allowed to make it so that only THEY can do currency conversion with my money. I should be able to choose and link international bank accounts. | ||||||
| 11/19/2022 | Yes |
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Web | Older American |
| I received several automated phone calls from number XXXX XXXX XXXX XXXX at XXXX, XXXX, XXXX, and XXXX on XX/XX/2022. The cell phone receiving these messages is my personal phone number : XXXX. I picked up the phone and a robocaller said that " Someone is trying to change my password, if this is not you, press 1. '' I pressed 1 and was prompted to enter a security code from a text message. I entered the security code, and the phone immediately hung up. This occurred several times in succession. Here is a picture of the caller number via screenshot https : XXXX Here is the text messages I received via screenshot https : XXXX My paypal account was hacked on XX/XX/2022 at XXXX PST and the account password was changed without my authorization. Photo proof : https : XXXX The unauthorized user accessed my account and all of my current crytpocurrency holdings were sent out unauthorized and without my input to an unknown individual.The fraudulent transactions are as follows. The paypal account id is : XXXX XXXX following fraudulent activities have been identified. 1. Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX XXXX to : XXXX Photo proof : XXXX XXXX XXXX XXXX Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof XXXX XXXX XXXX XXXXXXXX XXXX. Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX : XXXX Photo proof : XXXX XXXX XXXX XXXX Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof : https : XXXX I called paypal 's help number at XXXX XXXX XXXX XXXX and was assisted by an agent to report the fraudulent activity. A photo of the case file is listed below. https : XXXX. I was instructed by the agent to change my account password and I removed all of my linked credit cards and banking accounts. I was told that they will be investigating the account and activity which may take several weeks. | ||||||
| 08/22/2018 | Yes |
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| Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. XXXX XXXX XXXX XXXX says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. How these companies are allowed to do this when I showed them proof months ago I dont know. XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good. | ||||||
| 09/22/2016 | Yes |
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| Speaking with paypal shows that I have NO restrictions yet, they have placed an account limitation. I am suppose to be able to transfer and withdraw money, open or close bank accounts, etc while the hold is occuring but noone at Paypal can help while the restriction is in effect. I have made repeated attempts on-line to change to my new bank account with a window opening telling me either to ; " Verify Security as paypal 's system does n't recognize me '' but after doing everything their site wo n't allowe me to continue to the next step or there 's another window that pops up saying ; " action cancelled ''. I spent forever on the phone with a rep and Supervisor today and neither could get around the " restriction '' even though they both said they would. I therefor can not add my new bank account to have the money illegally held by paypal transfered. As this is a paypal business account, paypal is now interferring with the normal course of my business. I can not get to any money held by paypal all because some XXXX ca n't read any of the documents provided by me. Paypal is preventing me from paying employees and vendors as paypal has all my money. Paypal has asked for " Proof of my Social Security Number '' which was provided to them 15 days ago. They have acknowledged this and marked it as my having perfermed the fullfillment. Yet, the other restriction is to " Confirm My Social Security Number '' which is the same as their other trequest yet I have now fulfilled this additional XXXX request with XXXX different paypal agents, including XXXX Supervisors as well as my providing paypal copies of a letter from Social Security and a copy of my actual S.S. card. For some reason, paypal 's complience dept is not releasing the hold. I am livid that they are preventing me from accessing MY funds with no basis and my having jumped through every hoop to apease them. How am I to conduct a business when I can not get to my monies? Thank You. | ||||||
| 07/24/2022 | Yes |
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| Hello, I got a new phone number. I tried to open an account with Venmo, but their system had a bug that was asking me to log in with the previous user 's account... Aside : I think it may have been possible since the customer support was not aware of this bug. I found another bug or two in their system and helped em fix it. I needed to use Venmo fast for living expenses so I signed up with an old phone number that was going to expire soon since customer support ended up giving me 31 support emails on this bug and how to fix it ( I'm a software engineer ). Now, despite me giving them technical support how to fix their system, knowing I entered bank account info, and more, they were unable to transfer my account from my old phone number to my new number. I can not log into Venmo, and their customer support will not help me. Now with my old phone expired, they have banking information of mine, and I can't log in and customer support will not help. They're beyond giving me the run around at this point which is actually ironically funny since I actually helped them debug and fix their system in the customer support emails, but they will not give me even basic customer support to transfer the account... I help them, they give me the run around like they're deliberately trying to annoy me... Isn't illegal to keep someone's banking information on file against their will? On top of this, I am not confident they fixed their system so if someone gets my old recycled cell phone number, they possibly could get my banking info. To me this is egregious in terms of philosophy. They wasted over 10 hours of my time, and I was unable to get the financial help I wanted from a friend, and that's just fine... But really ... to not let me transfer my account or even cancel it even after I helped them considerably? We live in a world redefining the world thank you. Anyway, take care guys, I don't know if this will even reach someone, XXXX XXXX | ||||||
| 11/04/2019 | Yes |
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Web | Servicemember |
| I placed an online order on XX/XX/2019 on a website for a laptop computer for the price of XXXX. This company took my funds. Did not send any type of confirmation for the order or the shipment of the order. I sent numerous emails to this company over the course of a week with not one response. I used Paypal to make this payment. Since no word from the company I got in touch with Paypal on or around XX/XX/2019 to state I did not get the product that I paid for using their service. I requested to open a case for an item I did not receive. Transaction ID was XXXX for the payment of XXXX. A case was opened on or around XX/XX/2019. Paypal then proceeded to do a review. I made several phone calls, had online chats and sent emails between XX/XX/2019-XX/XX/2019.I also contacted the USPS office in my town several times between XX/XX/XXXX and XX/XX/2019. I am attaching a copy of the document provided to me by the USPS on XX/XX/2019. Item was shipped and then delivered on XX/XX/2019, delivered, In/At mailbox @ XXXX XXXX. USPS tracking number XXXX, a package weighing 1 ounce, this according to the USPS. This was delivered to XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX to a different person. The info was given to me by the local USPS. That office would not document this to me as they were protecting the persons privacy. I have a document from a employee with the local USPS stating the tracking number provided was delivered to a different address than mine. This was delivered to a different person, to a different address and it only weighed 1 ounce. But they still received my money for a product I never received. I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX. Paypal ruled in favor of the seller on XX/XX/2019 stating the seller provided a valid tracking number. The tracking number to their package was delivered to the wrong person at the wrong address.If you need more information, please contact me at XXXX. Thank you very much. | ||||||
| 07/17/2023 | Yes |
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| The company keeps restating the data is accurate- the major data problems Account Balance - moved out on time, didn't break my lease and the minor repairs needed didn't equal almost XXXX. The account was posted as an eviction which is very malicious and intended to keep me from getting other apartments i have been fighting with them since i moved out in 2019. When i did move in there was a list of problems/repairs that needed to be done and kept being ignored until right before i was getting ready to move out. The quality of work done in previous repairs caused some of the problems i experienced while living there. The ceramic tile in the bathroom was installed incorrectly leaving the tile vulnerable to weight and or normal wear and tear damage. The tile eventually cracked and needed to be replaced and caused one of my friends to get injured while standing on the tile. The door frame holding the front door was old and the places used to screw the door had become work so the front door had to be lifted to get it to close. It would not just close normally. The walls in the rest room were extremely thin so when the door was closed and shower was running the walls would be damp from moisture and over time small holes started appearing in the walls. The air conditioner went out in the unit and it took them several weeks to get a replacement installed even once that happened it was never cool as it was before. I asked if they had any fans at least they had nothing so i was forced to purchase a portable air conditioner for {$400.00} to use it caused me electrical problems as the unit required more power so other things had to be unplugged to use the unit. There was intermittent electrical outages The refrigerator went out and ruin all my frozen food and the perishable items in the main part this cost me XXXX XXXX XXXX to replace the lost food not to mention i was forced to eat fast food during the time it took them to make this repair. | ||||||
| 02/25/2019 | Yes |
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| I paid my step daughters college tuition for last semester. She was paying me back a portion of the tuition in the amount of {$3000.00}. She transmitted the money to me via PayPal , Inc. GA XXXX # XXXX, XXXX # XXXX on XX/XX/XXXX. I received a notice from PayPal Inc on XX/XX/XXXX stating the transaction was on hold. They requested several documents to verify my identity including my driver 's license, bank statement, among other documents. I provided those documents to PayPal, Inc on XX/XX/XXXX. I then received an email stating the transaction was declined. I contacted PayPal via telephone and was told my transaction was flagged as fraud and the money would be held for six months. I asked why it was flagged, and was told they can't tell me and it was done in the back office. I called several more times. I finally got a supervisor and explained the situation. He said the money would be held for six months. He stated the reason for the hold was for possible complaints by the buyer or seller. I explained this isn't a sales transaction. I further asked if my step daughter and I signed a release stating there wasn't any dispute would they let the transaction go through or just refund it to my step daughter. She then could transmit the money via a check. I was told that wasn't a possibility. My step daughter also contacted them and was told the money would be held for six months and there was nothing they could do about it. It is clear they don't want to return the money. I have reviewed the company on line. There was a class action lawsuit for the same issue of them holding onto people 's money for no justification. The company hold s the money in a corporate account and earn interest off of this money according to the class action lawsuit. Paypal , IncXXXX paid out a tremendous amount on that class action lawsuit. I have no additional course of action at this point in time. I have also sent a letter to the CEO of PayPay, Inc. | ||||||
| 03/06/2021 | Yes |
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| I sent my mother XXXX XXXX XXXX XXXX {$400.00} on XX/XX/21 and {$400.00} on XX/XX/21 to help her pay for her dogs ' medical bills after her dog had to go into a special veterinary hospital in our area to get checked for a XXXX I sent the money through PayPal. Before my mother could send the money to her bank account so that she could pay for those medical bills, they locked her account for 180 days claiming " fraudulent activity '' even though she has used the account for years and was trying to send the money to a different bank account she now wanted to use for PayPal. After she spent hours on the phone telling them the situation, they still refused to unlock her account and told her that I needed to ask for the money to be refunded. I proceeded to do so the next day and found only one option at first, " reporting unauthorized activity '' which I found to be ridiculous but I used their description box to explain that it was not unauthorized and that I needed the money refunded. Their response was to the likes of, " There was no unauthorized activity, no refund will be done. '' I am in the process of trying to contact their customer support directly but they keep hanging up on me even though it is during normal business hours supposedly, it says they are closed and it ends the call. I sent a message through their website and am awaiting a response. While waiting for their response I figured it best to fill out this report since I see this being a necessary step that they may need to be contacted by you guys to get this properly resolved so they aren't taking advantage of people who are simply using their service to send money to relatives especially to pay medical bills that -- can not be held up for 180 days --. Thankfully, we found out from the vet and the tests, that her dog " XXXX '' does not have a XXXX, and even though XXXX is very old ( XXXXyo ) she just has a XXXX XXXX issue and is getting the treatment she needs now. | ||||||
| 11/27/2022 | Yes |
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| Being a frequent user of Venmo, I was shocked and outraged that Venmo took {$850.00} out of my account, without my permission, to reimburse someone I have never had a transaction with, who had either scammed me, or was another victim of this scam. I reached out to the Venmo customer service team on multiple occasions and was looped in circles without anyone providing an explanation or solution. As Venmo can clearly see when looking at my account history, I received {$850.00} from a person named XXXX who then requested the same amount sent back, saying that she had sent it in error to me. I looked at her profile, and since it appeared legitimate, I completed her request to return the {$850.00} back to her, evening out my account to where it had been before the two transactions. Then, a few weeks later, " Venmo Disputes '' took {$850.00} out of my account, claiming that it was the final resolution to a dispute that was filed by someone named XXXX, who my account shows is not someone I have ever had a transaction with. If this XXXX was a victim of this scam as well, her reimbursement should not be coming out of my personal account balance. Any time I called customer service, the agent looked through my account and understood the situation, recognizing that I should not be held liable for that money. However, they could not do anything about it, since it needed to be handled by the Venmo Disputes department, who are not available by phone. The agent would " reescalate the case '' with their thorough notes on our conversation, but any responses from the Venmo Dispute team were fully automated and did not address my questions whatsoever. They merely stated that they had fought on my behalf, but did not win, so the case was closed. Venmo taking money out of my personal account to contribute to this scam is completely unacceptable and a poor business practice. I should by no means be held liable to return {$850.00} to anyone. | ||||||
| 08/26/2020 | Yes |
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| I made a purchase from XXXX ( clothing company ) and decided to use PayPal at checkout. The initial full purchase amount was going to be {$17.00} ; however, I used rewards points at checkout which reduced the final purchase amount to {$8.00}. I processed the transaction using my PayPal account balance, which was {$22.00} prior to the transaction. I was assured during checkout that I would only be charged {$8.00}, and the email confirmations from both XXXX and PayPal both show the charge as {$8.00}. However, my PayPal balance after the transaction was processed was reduced to {$5.00}. Simple math indicates that my balance was debited the full {$17.00}. I initially contacted XXXX and was advised that if there was a pending authorization, it would fall off after 10 days and that I would receive the {$8.00} difference back into my account. That never happened. XXXX pointed me back to PayPal. I opened disputes with PayPal, only to receive a response with the receipt showing the transaction amount was {$8.00}. PayPal does not know how to do simple math, nor do they apparently keep running balances ( the website does not show starting and ending balances in transaction history, which makes no sense for a financial institution ). PayPal is refusing to work with me and has only advised that " any pending authorization will fall off in 10 days after the item ships to you ''. As I've stated, the transaction was back on XX/XX/XXXX and it is now XX/XX/XXXX. I received the purchased item from XXXX back on XXXX. It's been well over the timeframe for any pending authorizations/holds to fall off, yet I still don't have my funds and worse yet, PayPal thinks that no funds are owed to me so they are not taking action. I should not have to go through this much trouble for {$8.00} but at this point it is the principle that they have taken money from me and not only are denying its return, but are essentially stating that the {$8.00} never existed. | ||||||
| 11/28/2022 | Yes |
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| I have tried to communicate with PayPal through all means ( cell phone, same platform, mail ) without any result, since for some reason the support always tells me the same thing. They flatly deny everything I say, even though I have the evidence for it. The platform literally limited my account for no reason, with the apparent reason of having created the account being a XXXX, they do not give me any action to appeal the decision they make, the same support, moreover, ridiculously, tells me that this decision is permanent and can't be appealed ( when I have never been able to appeal it ). The account was made by a representative and I have only given my identity when I was going to request the name change. -- -- -- -- -- -- - I already sent a claim through this same page against PayPal, but they themselves tell me that it does not correspond due to the discrepancy between the location from which this claim is being sent, being that days later the PayPal support in XXXX responds to the mail saying that they reviewed the claim and that I will no longer be able to withdraw my money after a period of 180 days ( being that this was already specified since they limited my account ), The same goes for PayPal support in the XXXX, I don't have the resources to go to the XXXX to dumbly file a complaint, even less when I am not given any option to appeal decisions like this or that in the same dispute options in my country, there is no option available. It is unbelievable to me that I am going to lose my hard-earned money this way, on a platform that only has the job of holding it and not carrying it as if it were nothing. I only used it to transfer my funds with XXXX from XXXX. Timely, this is my only means by which I can affirm PayPal 's poor decisions. -- -- -- -- It is criminal to accuse someone falsely, not provide any evidence that this was the case, and even refuse to confirm the veracity of the facts. Just as PayPal is doing. | ||||||
| 09/23/2021 | Yes |
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Web | Older American, Servicemember |
| I am a XXXX XXXX XXXX retired woman who was cleaning out a closet containing old guns and ammunition to gather funds to supplement my social security income which is my only income. I sold them through XXXX and some people paid through Paypal. All sales were conducted legally following all state and federal laws. Hindsight and an email from Paypal led me to see in the fine print of their user agreement that Paypal does not allow selling and buying of guns, gun parts, or ammunition. I immediately stopped using Paypal for my transactions. Paypal confiscated over {$11000.00} from my account. They say I violated their user agreement and the money was taken to compensate them for damages. I spoke with 2 different people, the second one, a supervisor told me there were no options, no way to appeal their decision and that he could not reveal my violation of user agreement. He said that each violation bore a compensation of {$2500.00} to Paypal and that I had multiple violations and the money was for damages sustained by Paypal. I asked what damages were sustained and he could not answer. When Paypal informed me by email that my account was frozen on XX/XX/2021, they said they would hold my funds for 180 days. They said that they would email me after that time. I never received any more communication from them. I looked at my account and on XX/XX/2021 they posted a payment to Paypal for damages cause by Acceptable Use Policy violation. Just like that! Poof! My money was gone! I can not see how any damages were incurred by such a large worldwide company. I feel like the penalties were excessive. I feel like Ive been robbed. The entire balance of my account, {$11000.00}, is gone. I can not find any way to speak to anyone else. When I asked this supervisor, XXXX, if there was someone else I could speak with, he said no, there was no one higher than him. Im hoping that you can help me regain at least some, if not all of my monies. | ||||||
| 05/13/2015 | Yes |
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| I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. " On Monday the XXXX day of XXXX, I was asked by a property management company if I would sign up for a pay pal account to pay an invoice they had prepared for me. It did not appear to be that big of an inconvenience, and thought in doing so, I may use from time to time when vacationing via XXXX, to pay for stays seeing it is widely used throughout XXXX. After joining, I paid a small invoice and thought nothing more about until I received a letter dated XXXX/XXXX/2015, stating I had been denied credit. I know that I had not requested any credit cards with pay pal, or any other type of credit, I became alarmed that someone was using my information that I provided when joining pay pal and quickly called to cease any malicious action on my behalf that may be occurring. After speaking with the pay pal representative and her looking over the online correspondence, it appears, from her account that I entered the last XXXX of my social thinking that it was part of signing up for a pay pal and inadvertently requested credit on my behalf, which I most certainly was not aware of! She told me that this is a common mistake and to write this letter. With that said, I feel that the way in which the credit is presented appears to be consistent with the remainder of a pay pal account, and most definitely not a third party/bank ( XXXX XXXX Bank ) soliciting and extending credit. I believe it is predatory in nature and a reputable company such as pay pal should remove immediately and or make VERY clear what the nature of the pop up window is. I kindly request that pay pal remove any and all request for credit off my credit report. Thank you in advance for your cooperation. Sincerely, XXXXXX '' Last XXXX of SS : XXXXDOB X/XX/XXXX | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern and frustration regarding the permanent limitation imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error and I have not violated any PayPal policies or engaged in any unauthorized activities. Firstly, I want to emphasize that I have been a loyal and responsible PayPal user for a considerable period of time. I have always conducted my transactions in accordance with PayPal 's terms and conditions, ensuring the security and integrity of the platform. Therefore, I am genuinely surprised and disheartened by the decision to permanently limit my account. I kindly request that PayPal re-investigate my case thoroughly, as I believe this action was taken without a clear understanding of my account activity. I am confident that upon careful review, it will become evident that there have been no policy violations or any actions that warrant the permanent limitation of my account. My PayPal account is not only essential for my personal financial management but also for various legitimate business and personal transactions. Its continued suspension is causing significant inconvenience and distress. Hence, I respectfully request that PayPal considers restoring my account, allowing me to resume normal activities. I am more than willing to provide any additional information or clarification that may be required during this re-investigation process. I am fully committed to abiding by PayPal 's policies and regulations and ensuring the security of all transactions conducted through my account. In conclusion, I kindly implore PayPal to reevaluate my case with an open mind and to promptly communicate the results of this review. Your assistance in resolving this matter would be greatly appreciated, as I look forward to a swift resolution that restores my access to my PayPal account. | ||||||
| 07/17/2023 | Yes |
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| Dear PayPal XXXX XXXX, I am writing to you with regards to the recent blocking and limitation imposed on my newly created PayPal account. I am reaching out to address this matter and provide additional information to help clarify any concerns or misunderstandings that may have led to the action taken. Firstly, I want to emphasize that I am a new user on the PayPal platform and have not yet had the opportunity to engage in any transactions or activities that would violate PayPal 's terms and policies. As a newcomer, I am committed to using the platform responsibly and abiding by all the rules and regulations set forth by PayPal. I kindly request a thorough review of my account to understand the specific reasons behind the block and limitation. It is crucial for me to gain insight into any potential issues in order to rectify them promptly. I am willing to cooperate fully and provide any necessary information or documentation to verify my identity and resolve this matter as swiftly as possible. Furthermore, I would like to assure you of the utmost importance I place on security and compliance. I understand that PayPal has implemented robust measures to protect its users, and I appreciate the efforts made to maintain a safe environment for all transactions. I am fully committed to adhering to PayPal 's policies and guidelines and aim to build a trustworthy and long-lasting relationship with your platform. Please use my registered email address associated with the blocked account, XXXX, as the primary means of communication for any updates or further instructions regarding this appeal. Thank you for your attention to this matter. I sincerely hope for a fair assessment of my account and a swift resolution to the current situation. Should you require any additional information or have any questions, please do not hesitate to contact me. I appreciate your time and assistance in this matter. Yours sincerely, XXXX XXXX | ||||||
| 03/01/2023 | Yes |
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| I opened a paypal account in XXXX of this year and linked it to my checking account. unfortunately, before I could even use the account for what I intended... someone fraudulently took money from my account through paypal XXXX. On XX/XX/XXXX " XXXX '' took {$500.00} and then {$200.00}. The name of the recipient was listed as XXXX XXXX XXXX and the listed email is XXXX. I attempted to request the money back by messaging through paypal telling him that the fbi would get him if the money was not returned and the reply I received was " Hello, good afternoon. I hope you are well. I will tell you that your payment was for technological items and the shipment was made the day after payment. If you have any major problem, tell me and we can come up with a solution, since your payment was directly from your Mind you, can you tell me what happened in more detail? '' which was very untrue, I never received anything from this person or website. Now when I tried to respond to this message, it says I am no longer able to message them... very suspect. I have attempted to dispute these transactions twice with paypal and on both occasions, my dispute was closed without satisfactory explanation. The first dispute was closed stating a " history of similar transactions. '' The account was just opened and there were no transactions prior to or after these XXXX fraudulent charges. I then had the dispute reopened, only to have to contact paypal a week after their deadline for resolution and find out the dispute was closed without any notification. After contacting paypal, I was told that I could request the documents used to determine their decision, which have done, but don't expect much help from paypal. I'm at a loss of what to do with this grossly fraudulent situation. I will definitely no longer give anyone access to my account but being a poor college student, {$700.00} is a lot of money... thank you for any help I can get with this fraud. | ||||||
| 08/05/2022 | Yes |
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| The buyer XXXX sent {$200.00} u.s money to my PayPal account XX/XX/2022 for XXXX breast pump. I posted my breast pump through XXXX XXXX on XX/XX/2022 XXXX messaged me on XXXX and said she was going to send payment through PayPal on XX/XX/2022 i sent the product on XX/XX/2022 and provided tracking info also she received the breast pump on XXXX.and confirmed she was happy and the pump was what she expected with no issues then contacted PayPal and told them the same and to release the payment to my PayPal balance so they did release the funds. I then tried to withdraw from PayPal balance to my debit card and they asked for more info to verify my identity so I did everything as they asked me to do with no discrepancy. And within a second or two the decision was to permanently limit my account and hold funds for 180 days I am not a business I do not own a business nor do I know anything about how it works I am a normal mother who sold her the best working breast pump I owned to help pay my rent!! I needed that pump but I also had to do what I had to do to keep a roof over my 8 childrens head! I did not expect this or I would had never done it that way! But I will not let this go un heard I will take legal action If I do not get my payment from them in the next XXXX hours and I will start a signature petition because of their unfair unexplained actions against there customers who are paying there high fees to this billion dollar company who is holding our money to collect the interest from it while we sit and stress our next gallon of gas and the next meal we can provide for our children and what bill we will pay and try to extend another to keep our homes going. This is just absolutely insane!! If u don't want my business then ok fine but you can not keep my money when the other party has confirmed they have the item and are happy theres not any reason to at that point other than you are a fraud yourself and your dead wrong!! | ||||||
| 04/13/2021 | Yes |
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| Hi, My Problem is with Paypal, Some 4 months or more ago palpal had suspended my personal PayPal account due to their statement of violation of the terms of services. I have tried to reach them over the phone but never get through to anyone to discuss this issue. I emailed them, then the reply was as stated before, I asked exactly what was the specified transaction or transaction that violated the terms of services, but unfortunately, I never got any specific answer, only the general vague response of violating the terms of services with no specific or reference to the stated violation. The Account had a balance of XXXX if I remember correctly and was frozen and can not use it or transfer it for my bank account or pay for any purchases, and was informed that it will be there for 180 days. Today XX/XX/2021, I received an email from Paypal stating that " {$190.00} USD ; Paypal posting date : XX/XX/2021, payment to Paypal damages caused by Acceptable Use Policy Violation ; Paypal Damages caused by acceptable Use Poly violation. Transaction type : Correction. -- -- -- -- -- -- -- -- -- -- -- -- I have the civil right to specifically know what and how I had violated these rules and to know where I did make the mistake to be held liable for this penalty both financially and mentally. exactly what happened? why they did what they did? NO Answer from Paypal. that is so uncivilized and unlawful, when someone is being penalized, he or she would have known the exact situation of their violation not just blunt and blank accusation, in order to review and respond to these charges. it is at least just a fair " Due Process as they say. this is totally unacceptable and totally offensive and I believe under fair law it must be solved according to the just and fairness to both parties. I demand an exact reference to the stating the violation incidence that I was charged with and entitled to my full rights under the law. Thanks, | ||||||
| 06/18/2022 | Yes |
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| Today XX/XX/XXXX at XXXXXXXX XXXX I was picking up my room and found a debit card issued by XXXX XXXX XXXX, which is linked to my PayPal business account, under my bed. In the past few weeks I have had fraudulent activity on my personal bank account so I called PayPal customer service " ( XXXX ) XXXX '' to see if I could gain access to my account so I could log in and check the transaction records but was told that they could not do that because of some restriction I did however convince the first representative I spoke with to verbally give me some transactions on my account and I noticed ; as she was telling me the transactions on my account, that there were for sure TWO ATM withdrawals and 2 deposits that I did not make OR AUTHORIZE myself. One transaction was for {$160.00} on XX/XX/XXXX the other was for {$200.00} which occurred on XX/XX/XXXX I understand and realize that these transactions happened more than 5 years ago, but I lost access to the email and phone number associated with my PayPal business account around XX/XX/XXXX, so I wasn't able to monitor the transactions that were taking place on my account. Otherwise I would have brought this to their attention much sooner so that this could get resolved. While speaking with them I was repeatedly transferred for no apparent reason other than to get me off the phone, I was hung up on twice, and ultimately I wasn't able to update my phone number or email address on file with my account so that I can access my online transaction records without having to call customer service for help, which they were none of! Seeing how PayPal business accounts and debit cards are covered by the FDIC I assumed that I would get a refund or at least an account credit to resolve the issue since it was a transaction not authorized or done by me. The ONLY person legally allowed to authorize transactions on this account. My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or XXXX. | ||||||
| 05/07/2021 | Yes |
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| Some background : I created a Venmo account in XXXX XXXX. The account had been normal before XX/XX/XXXX. I had only two activities : 1. Venmo offically paid me {$10.00} for bonus on XX/XX/XXXX. 2. I received a payment of {$770.00} from another guy on XX/XX/XXXX. All these two transaction were completed immediately, and the account showed normal. What happened : On XX/XX/XXXX, I suddenly received two emails. The first one said my account had been frozen and they need my ID to unfroze it. The second one said the payment of {$770.00} was reversed. Note, the payment had been finished for 4 days, this should be my money. This means they directly transferred my money to another account without my permission. I immediately uploaded a copy of my driver 's license and contacted the customer service. The representitive checked my account and told me this should involve another team and need to wait for 5-7 business days. I said they could verify my account later, but I needed to confirm my money was safe immediately. However, the representitive only said they would contact me later and left without notifying me. Then I had to contact them again. Besides inqury about my money, I also asked to file a complaint against the previous agent. The second representitive also told me I need to wait and he could not do nothing. To my understanding, such customer service we can reach only forwards the case the backend team, they don't have any authority to solve any problems. So I asked to contact people who can fix the problem directly. The representitive still told me to wait. Honestly, It is unbelievable that, as a financal company who directly hold money, the customers can not contact agents who can solve the problems directly. On XX/XX/XXXX, I got an email that my account had been unfrozen. But untill now, there is no one contact me about my money, even after I sent them emails multiple times ( this is their recommended way to contact ). | ||||||
| 12/11/2018 | Yes |
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| On XX/XX/XXXX, I attempted to make an order from a company I have purchased from a number of times. However, their website wasn't properly functioning. So I sent an email to their customer service notifying them that I was unable to place an order online and needed to duplicate a transaction I had recently placed. However, I sent the money, via Paypal, to an incorrect address not associated with their Paypal account. My mistake, easily rectifiable, right? Wrong. Their customer service is designed to stretch simple problems into a cycle of frustration until people give up. Though I have provided NUMEROUS clear explanations as to what happened, they continue to either play XXXX or are actually the most incompetent people on Earth. I've forwarded messages from the vendor acknowledging that they do not have a paypal account at that address and that payment was not received ; all to no avail. Despite having a clear internal record that the payment I sent has not been claimed by anyone, they refuse to reverse the transaction. Yesterday, XX/XX/XXXX, I was finally asked to call and given an access code which would allegedly expedite my connection with a Customer Service " expert. '' Wrong. After going through an endless stream of options, none of which applied to me, I was finally connected with someone who understood the issue and told me she would reverse the transaction. However, she needed to transfer me to someone to complete the final transfer and verify account information. You can see where this is going. I sat on hold for 37 minutes ( in the middle of a work day ) before finally giving up. When I wrote Paypal again to complain/try to resume the situation, they completely ignored all progress we made and went back to their original message of 'contact the seller. '' I'm happy to provide all emails from the external vendor, paypal, or any phone records. This entire thing is over {$10.00}. I'm pursuing out of principal. | ||||||
| 08/28/2017 | Yes |
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| An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case! | ||||||
| 10/06/2023 | Yes |
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| Dear PayPal Customer Support, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. First and foremost, I want to emphasize that I have always strived to abide by PayPal 's policies and guidelines diligently. I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. This situation has left me perplexed and distressed. I kindly request that PayPal conducts a thorough re-evaluation of my account 's limitation. I believe that upon further investigation, it will become evident that there has been no violation of PayPal 's policies from my end. I am committed to resolving any issues or concerns that may have led to this decision, and I am willing to provide any necessary documentation or information to support this appeal. My PayPal account has been an essential tool for me in managing my finances and conducting online transactions. Losing access to it has caused significant inconvenience, and I would like to see a fair resolution that restores my account 's functionality. I understand that PayPal 's primary concern is to maintain the security and integrity of its platform. However, I respectfully request that you give me the opportunity to clarify any misunderstandings and rectify any potential issues that may have led to this unfortunate situation. I appreciate your attention to this matter and kindly ask that you expedite the review process to minimize any further disruption to my financial activities. Please feel free to contact me at XXXX if you require any additional information or clarification. Thank you for your understanding and cooperation. I look forward to a prompt and positive resolution of this matter. Sincerely, XXXX XXXX | ||||||
| 01/25/2023 | Yes |
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| Hello! My name is XXXX XXXX XXXX I am writing to file a complaint against paypal for dragging their feet to help me get my money back from a scammer. I have not heard from them. I have already filed a police report against the seller. I am waiting to return the fake items back to her for a full refund. However paypal has not disclosed her address for me to return for a refund. I paid almost {$14000.00} for two pieces of jewelries which turned out to be fake. I purchased a pair of authentic XXXX XXXX XXXX XXXX turquoise earrings for {$5700.00} and a XXXX XXXXXXXX XXXX XXXXXXXX turquoise bracelet for {$7900.00} from her on XX/XX/2023. The set were advertised as authentic and purchased from XXXX XXXX. The earrings bear serial number XXXX, bracelet bears number XXXX. Initially, i found both items on XXXX but she agreed to sell them to me off XXXX -- via Paypal payment. I received both items on XX/XX/XXXX. On XX/XX/XXXX, I paid for a serial look up service to confirm the serial numbers do belong to these two particular items. The lookup service result came out differently. Both of the serial numbers belong to different piece. One belongs to a necklace, the other belongs to a bracelet. The service also includes the dates the pieces arrive at the boutique as well as the dates they were sold. The names of the boutiques were also included in the report. I found the report reliable. I reached out to the seller requesting a return for a refund. Seller refused. She stated that I received exactly what she advertised, XXXX XXXX XXXX XXXX jewelries with the same serial numbers as in her listings. However I would like to add, if the serial numbers dont belong to the pieces, they are not original creations of the brand therefore they are fake and not as described. On the same day, I went to XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The sale associate confirmed the two serial numbers belong to two different creations of the brand. | ||||||
| 03/18/2021 | Yes |
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| I received email notice that my PayPal Account has been permanently suspended due to unspecified fraudulent activity. This suspension comes a week after I provided PayPal with all requested documentation to establish account ownership. The fraudulent activity that is alleged in the initial and permanent account suspension notices has not been explained and no process for addressing the issue beyond providing documents is available. The complaint I am making is not the issue of account suspension, but rather the fact that PayPal is now holding all the funds in the account for 180 days with nothing more than a statement saying that they will contact me in 6 months. So for 6 months, PayPal will be holding my money ( and using those funds in its transaction clearing pool ) while preventing my access to funds that I own. This is little more than petty theft. Secondly, a portion of the funds in my account are held in cryptocurrency, which we all know fluctuates rapidly in price. I fully accept the risks inherent in freely trading a volatile asset. What I dont accept is the trade platform arbitrarily eliminating my ability to trade those assets for an unreasonable period of time. PayPal offers the ability TO TRADE ( ie buy and sell ) cryptocurrency ; I am being forced to sit and watch my funds as the price fluctuates for six months with NO ABILITY to decide whether to buy or sell. In 6 months, this portion of my account could be worth a million dollars or zero dollars and there is nothing I can do about it. The price of the asset is a market risk, but PayPals decision is consumer abuse. I am not concerned about the random account suspension, nor the actual amount of money involved. I am extremely concerned about a financial gatekeeper having the ability to arbitrarily restrict access to funds, while also continuing to use those funds AND to affect the overall value of those funds OUT OF THE CONTROL of the account owner. | ||||||
| 05/22/2017 | Yes |
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| After submitting complaint # XXXX against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by XXXX XXXX XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like Paypal , w hich has thousands of complaints worldwide. The restrictions to login continue in m y Paypal account and I can not withddraw the balance of XXXX XXXX , for which I feel deeply frustr ated. XXXX XXXX XXXX XXXX stated tha t US headquarters can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in XXXX languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message! Here is my feedback posted to CFPB after receiving Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I want to be able to withdraw the XXXX XXXX balance in my account or at least Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal treat customers as stupid people !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint! | ||||||
| 04/27/2022 | Yes |
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| I literally just had to deal with this same problem!! About a month and a half ago Venmo decided to freeze my acct for reasons they could not tell me. Finally yesterday I get a phone call that venmo had NO evidence on why they froze my account. So they reopened it with my money still in it. Ok good right, NO! My thing was u was going to transfer my money onto something else that I've never had problems with while I had it. And that for over 2 years. Ok well I go to the app try to transfer my money and it tells me I can't and my account is frozen again!!!! I called venmo customer service and speak directly to a supervisor. I explained the whole situation how they froze it before and they reopened it because I didn't do anything wrong. And explained exactly what I was doing and how it froze my account again and it was like she didn't even care. Excuse my language no XXXX given. I explained how there is no way I can go any longer with NO money when I'm a single mother of XXXX. I explained how I just wanted to get my money off so I can close the account because of that issue. Response was she couldn't tell me anything and I would have to speak to the analysis specialist because they are the ones who handle that. I then asked for a phone number to speak with someone. Then told they do not have a phone number that I would have to speak to them via email. So I have to email someone to get my situation fixed via email but I have to wait for them to respond whenever they feel like it??? No way, I refuse to sit here again and let them do this for the 2nd time back to back. This company is a fraud and so unorganized I want out. I want my money right now. I do not want to wait. I have all the proof of everything and for this to happen a 2nd time I'm on the verge to find out if I can sue them for this and their process of business and their lack of anything to help someone. All I want is.my money off the card so that I can close it. | ||||||
| 12/16/2022 | Yes |
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| I have been a Paypal customer for years and am a victim of a cyber attack. The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. I am the only authorized user of this account. I have not authorized these transactions. Based on our review, we found this transaction is consistent with your PayPal payment history. I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? Based on our review, we found this transaction is consistent with your PayPal history. To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question. | ||||||
| 09/15/2020 | Yes |
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| I have utilized my PayPal account along with it's linked PayPal Cash Card which is issued by MasterCard for more than a decade to be able to track and handle certain types of purchases independently from my main checking account debit card ( through XXXX ). On XX/XX/XXXX of 2020, my PayPal Debit Card was charged {$15.00} from XXXX for a XXXX subscription on as it is on a monthly basis. A feature within PayPal called Automatic Top Up handles making sure that sufficient funds are available and transfers the needed funds from your selected checking account ( with a debit card as a backup funding source ). This is handled by putting a hold on the debit card for the funds, then initiating an ACH transfer from the bank, and releasing the hold once the funds are received. During this transaction PayPal 's systems failed ( per their own admission on recorded telephone calls ) and thus the balance of the account went into the negative, putting my account into " collections '' mode, disabling the debit card, and because regular transactions take " 3-5 business days '' to credit -- manually applying the {$15.00} to get the account balance to {$0.00} will not even credit until XX/XX/2020 causing the account to be locked and unusable. Attempting to contact customer service automatically transfers my call into their collections department. However, they have no ability to address the situation, and since the account is already ( slowly ) being brought back to a {$0.00} balance stated that the " real customer service department is not available by phone, and only available through chat paypal.com/help '' and typing 'Agent ' to the bot Attempting to reach someone through that method has been fruitless as it simply states that it will send the conversation ( I had with the bot ) to someone and they will get back to me. This is not acceptable customer service when it comes to my money! Especially after 20 years as a loyal customer. | ||||||
| 06/29/2021 | Yes |
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| I do have problem with Paypal. They locked my paypal account holding {$60.00} XXXX + on XXXX. XXXX Mail from XX/XX/2021 : We're initiating closure of your PayPal account After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal account. What happens to your account balance? If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. ___________________________________ I have call them multiple times on XXXX, as soon as my account got locked. They said I broke some user agreements ( I have been on paypal for 10 years and been doing my very own business since 1 year ). When I asked which one, I never got an answer ( by phone or by email ). Then I called them back again multiple times on XXXX. Each time, the person from the client services of Paypal assure me that I will get my money back in 180 days. And so, I waited 180 days gently. No news from paypal since then. Then, 1 week before the 180 days lockdown run out, I checked my Paypal account as saw everything was gone. I didnt received no email / mail / phone call or notification what so ever about this. They just grabbed it, without saying anything. I called them a 2 days ago, they said they had no information to provide me right now on phone, but they will get back to me by email under a few hours about the details. Been 2 days Im waiting for it and I know I will never get it What they seized, without any notification nor proof : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) - XXXXXXXX XXXX ( XX/XX/XXXX ) No news from paypal since then ... I was using paypal as way of payment for my business i run on XXXX. I live in XXXX | ||||||
| 05/26/2015 | Yes |
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| On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform. | ||||||
| 06/14/2023 | Yes |
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| I opened my venmo account on XX/XX/2023. The account was suddenly frozen on XX/XX/2023. I submitted the requested documents to have account unfrozen which was completed on XX/XX/2023. I then had a direct deposit come to my account in my name for {$1200.00} from my school at XXXX am on XX/XX/2023. On that same day XX/XX/2023 I attempted to transfer funds as authorized by the Venmo policy to a friend 's account but wasn't able to do so because my account had been refrozen for no apparent reason. So I called in and was told by a representative that the system flagged my account so they created a case number for me to have my account unfrozen and assured me that I've done nothing wrong ( I have the email from them to prove that statement ) I then received an email on XX/XX/2023 requesting me to upload another copy of my Identification to have my account unfrozen XXXX XXXX. I submitted a copy of the front and back of my driver 's license that same day XX/XX/2023 at XXXX and I received a notification saying submission successful. At XXXX XXXX I received an email from an account specialist by the name of XXXX XXXX. Account Specialist | Venmo saying my account was now permanently deactivated and that my funds would be turned over to the Loss prevention department for 180 days and that they'll contact then if the funds were going to be returned to me. So I email that same specialist and asked why was my funds being held, I also asked could the funds be returned to my school since they seem to have an issue with my identity information. That same specialist responded saying that it's no gaunrentee that my funds will be released back to me. My issue is that I haven't committed any form of fraudulent activities. If they would have asked me to submit proof of the funds I received as a direct deposit from my school them I would have but they only asked for my Identification which I submitted and they still restricted my account. | ||||||
| 09/24/2018 | Yes |
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| So like many other Paypal users, i have a problem with this company. Here is my story ... On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project. Thank you. | ||||||
| 07/24/2019 | Yes |
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| On XX/XX/2019, I spoke with a lady whose name was XXXX XXXX on XXXX/XXXX regarding 2 tickets for a concert. She told me she would sell me these tickets for {$40.00} each. She requested me to send the payment via PayPal Friends and Family so I would be responsible for the fees. I requested all her information to submit the payment. She sent me an email for the payment ( XXXX ). She also sent me the ticket information, which was section 1, row K. I sent her a payment of {$86.00} including fees and I also included in the comment section of the payment all the information for the concert I was purchasing the tickets for. The concert tickets were for XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, NC on XX/XX/2019. I sent her a copy of the transaction showing the payment had been sent. She messaged me back and said she was waiting on her husband to come home and check his PayPal account to make sure the payment was received before sending me the tickets. I told her that was fine and to let me know when she sent the tickets. I sent her a message hours later for the tickets and told her if I didnt receive the tickets, I was cancelling the payment. I logged into PayPal at that point and it didnt give me the option to cancel the payment at that point. She messaged me back saying she would send them in just a few minutes, and I waited. I again messaged her and ask for the tickets and she then blocked me. The following day, XX/XX/2019, I called and spoke with PayPal regarding the fraud of this lady. PayPal then told me to contact my bank. I contacted my bank, XXXX XXXX, and filed a claim with them. XXXX XXXX said they would be contacting PayPal as part of their investigation. I later received a letter from XXXX XXXX that the claim had been denied because PayPal stated the transaction was successful. I called XXXX XXXX again and they said it was up to PayPal with any issues regarding this payment. | ||||||
| 03/08/2023 | Yes |
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| I was in XXXX XXXX, LA from XX/XX/23 to XX/XX/23. On XX/XX/23, I was robbed of my cell phone, and I had no access to the phone this entire day. During this time, the user was able to log into my Cell Phone, and use my Venmo to send XXXX separate transactions, XXXX for {$1900.00} to a XXXX XXXX, and another for {$850.00} to a XXXX XXXX. Since I was not in possession of my phone at this time, I did not authorize either of these transactions to occur. I discovered these transactions on XXXX, when I went to buy another phone to find that these fraudulent transactions had taken place while the stolen phone was in another person 's possession. I have spoken to Venmo Customer Support to understand what happened, and I was told that both of these transactions were disputed, resulting the {$1900.00} dispute being closed, and the other {$850.00} dispute being ongoing in investigation. I was instructed by Venmo to follow up with the Dispute email to explain my situation and what had happened. Venmo is claiming that I owe {$1800.00} back to them as a result of the {$1900.00} fraudulent charge, with the {$850.00} charge still pending. I have never used Venmo to send someone more than {$500.00} in my entire time of using Venmo. Additionally, whomever did rob me of my cell phone also was somehow able to use XXXX XXXX to send out XXXX different fraudulent transactions from my XXXX XXXX debit card that was stored in the XXXX XXXX, each for less than {$250.00}. I have submitted a fraudulent claim with XXXX XXXX and I am awaiting their response on this matter. I do not expect Venmo to refund these charges, for historically Venmo customer service does not side with users who experience fraudulence like this. I have had XXXX XXXX place a freeze/hold on any collections that come from Venmo in XXXX future. I do not {$1800.00} to cover this fraudulent charge, even if I wanted to pay this off regardless of the Venmo Dispute outcome. | ||||||
| 04/13/2022 | Yes |
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| In the beginning of XXXX, XXXX I applied for a job position with the description of being a personal assistant to deal with finances. I was sent a fake check by a fake employer and asked to send approximately {$2300.00} to XXXX XXXX, a supposed interested buyer for my " employers '' business, via Venmo. The whole transaction was a scam. I reported the incident to my bank and they reversed the fraudulent check transaction, however, Venmo still sent the money through and is now demanding I pay over {$2000.00} before they report me to credit bureau. I explained the situation to my bank, they spoke with Venmo, as well as to the police and filed a report. Originally, Venmo told me with the correct documentation they would reverse the payment, however they went back on their word and is now demanding I pay the full amount. After numerous emails they asked my lawyer contact their legal team. That message was sent XX/XX/XXXX of XXXX, they guaranteed a response within 10 days. However, my lawyer continuously called, sent multiple emails, contacted on XXXX, explaining of the unauthorized transaction and fraud, and gained no response until approximately two weeks ago. Which only goes to show their lack of care for these matters. I have attached Venmo 's response. This is not the first time a scam has happened with Venmo 's platform, I've been in contact with multiple others who state Venmo has easily reversed their transactions in a situation like this, not to mention XXXX XXXX, the person who aided in scamming me is still using Venmo 's platform. In fact, I was advised by The XXXX XXXX XXXX representatives to contact Consumer Financial Protection Bureau because instances like this are so common. I am a college XXXXt, soley paying for my tuition, I do not have {$2000.00} to pay, and I can not afford to jeopardize my building credit. I am asking for forgiveness in this situation, and understanding, this will not happen again. | ||||||
| 06/19/2018 | Yes |
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| We have unathorized chargebacks for the amounts of {$1000.00}, {$1900.00} and {$900.00} done to our PayPal Account Transaction IDs : XXXX XXXX XXXX We received these amounts from XXXX XXXX as a payment for renting our house. After the guest left and we payed back the security deposit, we received an email from Paypal that these transactions were unauthorized and charged them back. Paypal did not provide any evidence, justification or dispute letter to justify their one sided decision. They did not request our response to any dispute about these payments and simply withdrew the money. We tried to call and email multiple times and sent email to paypal XXXX with evidence of a rental agreement with the amounts that proves that these payments were correct. We did not receive any reply or response. When calling paypal customer service we got different answers from agents. One agent said was that the funds will be refunded, but we never got them back. Then we called again and another agent said that the case is closed. Despite the fact that we provided evidence of the rental agreement, payment that were issued, photos of the person staying in our house, details of the deposit refund and more, we have not received back the amounts, nor we got any response or explanation of the chargeback except for the initial " unauthorized transaction '' notification. Paypal has no right to chargeback money without requesting a response from the account holder and then ignoring our emails, or provide wrong and contradictory explanations on the phone. There must be a clear procedure of discussing payment disputes, if there were such, with the person who received the payments. The " unauthorized transaction '' decision that was done without requesting any response or give us a chance to contest it is outrageous and illegal. We can prove that the funds were received according to an agreement and we demand to be refunded immediately. | ||||||
| 10/02/2017 | Yes |
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| XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. Since XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. PayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. Again, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. According to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. Based on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. As a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence. | ||||||
| 11/25/2019 | Yes |
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| " Pay Pal XXXX XXXX '' has not released my funds when they said they would be available on 3 separate occasions. All donations received " on or before the XXXX of the month '' are supposed to be released " on the XXXX of that month ''. When this didn't happen the first time, they told me I " didn't validate my bank account in time ''. So when I fixed that alleged error, they said " there would be a special payout on the XXXX of the following month which was to include all of the previous month 's donations ''. When this didn't happen I called back to receive another excuse saying that they are " having issues with their back end pay outs ''. Whatever that means. Then the next month on the XXXX I received a random amount of funds that was not even close to the amount that they owed me. Their excuse this time, is that " the back end payouts system was changed and that put them behind and I should receive the rest of my donations before XXXX ''. Each time I call, I am placed on hold/on the phone for at least an hour, as the " Pay Pal XXXX XXXX '' has no direct line. Due to this, they make you wait on hold for a representative that can not help you only to be transfered to the correct department and wait on hold even longer. Most of their representatives don't even know what you're talking about and are unable/unwilling to help. There are no definites in their answers either, just vague maybes and open ended dates. They even tell you there is no direct way to reach their department. What they are doing is operating under the guise of " helping '' non profits, but what they are really doing is holding their money illegally, breaking their promises/comittements, all while taking their fees off of the top to ensure they get paid. I think they use the donations to their own personal benefit and simply do not have the funds available on the day they are due. This is criminal and they should be stopped and shut down ASAP. | ||||||
| 09/24/2019 | Yes |
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| I purchased damaged grille on XX/XX/20 from an XXXX seller XXXX. This item didnt meet my expectations so looked up the listing and saw that seller accepts the returns and they were advertised as free. I send the request to return the item and received return label in the email. I shipped it back and waited another 2 weeks for refund. Unfortunately I got scammed by this seller. This seller didnt refund me fully. He refunded me only {$70.00} out of {$100.00} ( 100 plus tax ; so-in the end I paid tax on this return, tax on my money seller didnt give me back ). I disputed this twice on paypal. First time the dispute was not done correctly and the outcome was rejection due to seller already refunding ( but he refunded partially instead of fully ). Second time I received response form paypal that case is closed due to insufficient documents and inability to get them. Paypal never asked me for more documents and documents I submitted, disregarded ( it was picture of XXXX website stating that seller has to refund fully ). I contacted XXXX and they told me that if I didnt open case on pypal I would get full refund from XXXX. Another thing that makes me wonder id why paypal never refunded to the original payment source but to balance. To protect themselves? If paypal has no clue /ability or willingness to properly investigate then they should not manage others people finances. Who controls what they do and whether it is fair and legal? Since I was not able to resolve this issue with both companies. I decided I will ask my bank for help and asked for charge back. Hopefully it will not cause my account limitation or the seizing funds from sales I make. Who can I ask for help? Why paypal favors certain seller and dislikes others making decisions in their favor? I left this seller negative feedback to warn others that stated seller refunded XXXX out of XXXX and XXXX took this feedback down to protect this scammer. Why? | ||||||
| 12/07/2023 | Yes |
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| PayPal Fraudulently opened a checking and savings account in my name without my consent. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. The cards werent ever sent to me. I didnt sign any applications nor have given my authorization to PayPal to open said accounts. PayPal proceeded to fraudulently link several banks and accounts and cards to this fraudulent account. PayPal then proceeded to falsely accuse me of opening these accounts based on their analysis. None of these Debit cards match any of my accounts nor cards. They allowed funds transfers without my consent. Again I never had access to these accounts. These accounts listed are fraudulent bank accounts and have been closed due to identity theft as proper protocol. PayPal says they verified these and then later said they are having a problem verifying the cards linked. PayPal charges these accounts over {$5000.00} in identity fraud charges. PayPal refuses to close the account and said they cant speak to me about the matter. Yet PayPal has yet to provide proof I signed any application or granted my authorization. PayPal transferred these funds and PayPal authorized these accounts. I have not signed any applications and my consent was not granted to open the fraudulent accounts. Im a victim of identity theft and the email address XXXX IS FRAUDULENT. XXXX XXXX XXXX. PayPal is now attempting to collect this debt which I never obtained. I did not receive any monetary benefits from these accounts and I want them closed as fraudulent applications. I will not pay this collection agency and I am disputing this debt which is in my legal rights. PayPal has an obligation as a financial institution to research and resolve identity fraud. Yet this fraud was caused by PayPal. Opening accounts without my consent. | ||||||
| 06/15/2019 | Yes |
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| Dear CFPB, PayPal is knowingly allowing a loophole in their claim system be abused to steal from buyers. We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled " Image_1 '' and " Image_2 '' ). We proceeded to print the return label and ship back the item ( Please see attachments titled " Image_3 '', " Image_4 '', and " XXXX '' ). The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled " XXXX XXXX XXXX ( r ) - USPS Tracking ( r ) Results '' ) knowing that was ALL that is needed to manipulate PayPal 's claim system! PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! Account ID : XXXX XXXX | ||||||
| 05/13/2020 | Yes |
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| I made a payment on XX/XX/XXXX to my attorney through PayPal. Once the payment left my XXXX XXXX card, the PayPal account email address was not active. PayPal advised that I make a second payment, which I did. The first payment was {$1600.00} plus the fee of {$47.00} total of {$1600.00} and the second was {$1600.00} with no fee to me. My attorney received the second payment to the updated email address, however, PayPal never returned my first payment of {$1600.00} to the incorrect PayPal account. Both were owned by my attorney, and both he and I have spent the last 3 months trying to get the money back. The first rep from PayPal advised me to raise a dispute with XXXX, I did that, and then after calling daily for 3 weeks I demanded to speak to a manager as each PayPal rep said it was out of their hands. When I spoke to the supervisor he said that the first PayPal rep should never have told me to raise a dispute, and that I now needed to cancel it. I cancelled it on the XXXX of XXXX and it was fully completed by XX/XX/XXXX. PayPal then said the same things to me, that I need to contact XXXX XXXX, I put both XXXX XXXX and PayPal on the phone multiple times and then PayPal said I needed to wait for the dispute to show cleared before they could do anything further. Nothing changed, until PayPal stopped having live reps on the phone due to COVID-19, and I could only do a Live chat message. I did that consistently, and they continue to say the same thing. In the meantime, my attorney managed to get into his old account, and saw where the money had been deposited, but that PayPal removed the funds as it is showing a XXXX balance in the PayPal account that is not even active. I am occurring monthly interest fees, and am XXXX. Every penny helps, and I really need some help to finding out what is going on here. I would greatly appreciate your help with resolving this matter. Any advice or action is much appreciated. | ||||||
| 05/18/2019 | Yes |
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| VENMO TOTAL SCAM- I signed up for this service recommended 2 me by a friend so they could send me their rent $ instantly & no check involved for me to WAIT ON TO CLEAR.. i entered my 2 cking acct, 2 debit cards XXXX - only to find out dont use XXXX? So I went bank in and put my XXXX XXXX acct info ... Week 1- unable to use the instant transfer feature NO REAL REASON GIVEN, told to call in on MON. as they don't have access to tell me why? UM OK,,, MON I CALLED TO BE TRANSF hung up on called back held etc etc etc. NO ONE EVER SPOKE TO ME OTHER THAN TO GIVE THE SAME SCRIPTED ANSWER- We do not have access to that info, FURIOUS WIITH NO $ still I got no-where. CHAT FEATURE USELESS- PHONE SUPPORT= USELESS. VERY VERY- suspicious .... GOT THE DEBIT CARD IN THE MAIL WAS ABLE TO USE it at ATM FOR A FEEEEEEEE {$3.00} atm and also made some purchases thank XXXX - or so I thought ... Week 2- ISSUE NEVER RESOLVED. JUST BACK AND FORTH XXXX SCAM SCAM SCAM. WEEK 3 GOT FUNDS TODAY again SAT early am FOR RENT THAT WAS overdue as of FRI BY ROOMATE. HERE we go again STILL NO INSTANT TRANSF allowed ( TOLD THIS TIME ACCOUNT FLAGGED SECURITY RISK )??? WT? again the back n forth and NO RESOLVE. ( BTW I'm a XXXX/homeowner/SE XXXX buss. owner since XX/XX/2002 & same job for last 7 years XXXX. Yeah I'm a REAL BIG security risk ) Anyway I thought hey I can just use the debit card like last week ..UM HECK NO!!! THAT CARD DONT WORK NOW!!!! WOW! CANT MAKE PURCHASES, CANT TAKE $ FROM ATM???. NOW DEBIT CARD DOESNT WORK EITHER! NO CUSTOMER SUPPORT AVAIILABLE VIA PHONE.. RED FLAG FOR ME*** ( ALERT ALERT ) & customer service via CHAT just tells me they don't have access to info and ( THEIR GO TO ANSWER- Sometime its a security risk flag- ( OR XXXX PROFILING I THINK ) and BOTTOM LINE NO access to your funds! FOR DAYS AND DAYS. THE CO. IS A SECURITY RISK- USING YOUR FUNDS- floating my $ using them for something else? YES YOU ARE. XXXX XXXX XXXX | ||||||
| 04/08/2023 | Yes |
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| Hello, my account XXXX was suddenly restricted, saying " Because you have continuously filed cases that do not align ... outlined in our User Agreement '', but since opening the account in 2020, I have been using paypal to buy goods normally, and I have not sold any goods and receive money, I don't know Why is my normal purchase of goods also considered to be a violation of the terms, is there any misunderstanding? If you need authentication, I can provide that, and up to now, in the past 3 years, I have only appealed 3 times, but I did file a complaint because the item was faulty and not received, 1 successful, 2 failed, The two times I failed I bought from XXXX, which is a second-hand trading site, but I was scammed by the seller Case ID XXXX, The seller sent me a fake, I submitted evidence, and you agreed to return the product, but you did not give me the return address, and I contacted the seller without any reply, and there is no entry on the appeal page to contact you, I can only fill in the tracking number and then send a message, but you did not reply, the case was closed, and the appeal failed. I just want to know the return address. I did not submit an invalid tracking number on purpose. Case ID XXXX, I bought a piece of XXXX clothes. The seller told me that he is also in OR state, and we can trade face to face, but for safety reasons, I asked him use XXXX to send, but it has not been delivered. I checked the package is sent from PA state, I contacted XXXX, XXXX said that the sender of this package is XXXX, and I saw a newly registered seller on the XXXX website selling the same clothes, the same pictures and descriptions, I realized that I was deceived, so I filed a complaint, but I don't know why I failed, I can provide more evidence, and you can also contact XXXX, I am telling the truth If you want more proof, I can provide it. I am using your service normally and have not violated any terms | ||||||
| 06/15/2016 | Yes |
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| I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX. | ||||||
| 03/25/2021 | Yes |
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| I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact XXXX XXXX ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the XXXX XXXX financed for me in XXXX of 2020. However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. They have not given me any money and the XXXX XXXX said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and XXXX XXXX trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter | ||||||
| 10/03/2019 | Yes |
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| I banked with XXXX since XXXX of XXXX and shortly opening the checking account I noticed some very tedious transactions from Paypal. I contacted my bank and asked them to dispute these fraudulent charges and they said they would. 2 months after XXXX sends me a verification stating that some were credited and others were found that they had been legitimate! How I told them they were not my charges!? I contacted Paypal in XX/XX/XXXX to discuss how this may have happened and advised them the only time Ive done business with PayPal was roughly XXXX. I gave Paypal all the information they requested from me to discover 2 accounts had been tied to my name fraudulently and requested they be disputed and terminated. I gave Paypal several phone calls between XXXX and XXXX of XXXX and there still has been limited action taken to help me resolve this matter. In XXXX XXXX removes me as a consumer setting my account XXXX XXXX in the negative and Im now without a financial institution and the bank claims to have had fraud liability protection. I have submitted proof to the XXXX branch on XXXX XXXX XXXX XXXX Kentucky. The bank never took my account seriously even after I had disclosed in specific my need for the account coming from XXXX XXXX that handles my XXXX funds monthly. I was told no chArges for atm transactions not true, I was charged for my first order of checks that was free, I learned the hard way that my account was in fact not a real checking account but considered a cash account? I had that fixed! I used to stand high about my thoughts of these financial institutions and now am just overwhelmed with anxiety and stress not having much appreciation for myself its that bad. Im suffering terrible hardship Im being harassed and I keep begging to make this all a thing of my past. These companies do not care about us small time consumers we are just trash or thats the way I sure do feel after this plus much more. | ||||||
| 06/25/2015 | Yes |
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| I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report. | ||||||
| 05/30/2023 | Yes |
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| On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. " You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained. | ||||||
| 02/10/2021 | Yes |
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| I have been with paypal as my credit card processing bank for 18 years. they just locked my account and wont let me withdraw my money from sales of products. We are a XXXX XXXX XXXX helping XXXX XXXX XXXX and XXXXXXXX XXXX XXXX. We are a very small business and I need that money to pay bills and keep the business running. Paypal is doing this as retaliation because they paid out Seller protection money to us. which is they're Insurance plan if you will if anything happens to the transaction Paypal is suppose to cover it under the seller protection plan they made. a stolen credit card was used and the product was stolen from us as it was delivered and I am sure resold somewhere else. Paypal did not take the money back form us. but instead we got our account locked saying we could not withdraw money or pay for anything from our paypal account. we have over {$20000.00} in there now. I have called into payal and spoke to a supervisor who said they would not release the hold on the account. and that they had to act like any regular bank. I told him no bank does this. they can not with hold my money. they are telling us we have to give them 6 Months of bank statements from another bank. which we already confirmed with paypal when we opened the account. Paypal has been depositing the money for us everyday since 2003 into this account. we should not have to stop everything and pay the bank to give us statements that are private information to load up to paypal to get stolen. they also want 2 years of financial statements. this is ridiculous. they have no right to do that and punish us just because they had to honor their seller protection plan. they are telling us we cant even close our account and get our money out. Paypal Has overstepped its boundaries. and if need be we will complain to FDIC and our Senators also, Attorney General, And any other banking regulator. since paypal said they were a bank. | ||||||
| 07/09/2016 | Yes |
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| I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance. | ||||||
| 09/04/2020 | Yes |
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| Around XX/XX/2020, my business client XXXX XXXX sent over 2 payments of {$2000.00} each totaling {$4000.00} for a personal exercise training package. He paid me via the " Friends & Family '' option of Paypal. Mr. XXXX also sent me a couple of smaller payments of {$35.00} each on XX/XX/XXXX and XXXX for extra car fare. A few days later, a Paypal representative called me to inquire about these payments. Caught by surprise, I just told him XXXX was a " friend '' of mine who sent me the money, after the Paypal rep asked who XXXX XXXX was. The Paypal rep proceeded his questioning by wanting to know what the money was used for. I replied for " personal reasons ''. Based on these 2 responses, the rep informed me that he was going to close my account permanently because it presented a security risk and I will not be able to use Paypal or any of my cards or banks linked to Paypal ever again within their services. Despite my reaching out numerous times to appeal this decision to various supervisors, their responses have been consistently rude, disrespectful, unprofessional, and downright threatening, without any chance of recourse. Their decision has affected each and every one of my transactions negatively in which the merchant accepts Paypal only, limiting my options of business transactions. I even wrote an appeal request via hard copy and sent it via snail mail without response in the Spring 2020. I do not feel this was a fair decision on how Paypal treated me, without recourse for reinstatement. Paypal has effectively banned me for life, and I am seeking for a fair reconsideration for an opportunity to not make the same mistake of accepting payments under their strict guidelines, which they are not affording me. I am enlisting the intervention of the CFPB to assist me in my goal to be reinstated in good standing with Paypal again, as I had been for over 20 years previously. Thank you, XXXX XXXX | ||||||
| 05/21/2020 | Yes |
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| On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX. | ||||||
| 10/01/2015 | Yes |
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| On XXXX XXXX, 2015, I made a purchase on EBay. I was transferred to the PayPal website to make the payment. It was my intention to register my new XXXX with PayPal and make the payment using this XXXX. I went through what I thought were the steps to register the card and was then transferred back to EBay. Shortly thereafter I received XXXX emails from PayPal Credit : " Welcome to PayPal Credit '' and " Important information about your recent PayPal Credit purchase ''. The second email contained the statement " If you do not want this offer, please contact us at XXXX Monday-Friday, XXXX to XXXX Eastern and Saturday-Sunday, XXXX to XXXX Eastern. " On XXXX XXXX, 2015, I logged into my PayPal account and saw that my new XXXX ( XXXX ) was listed as an accepted form of payment. I then called the XXXX number and spoke to a representative. I requested to have the PayPal Credit account cancelled and to have the original transaction charged to the XXXX. She told me that PayPal Credit ( PPC ) did not accept credit cards and that I would have to provide a bank account for payment. I told her that I had been deceptively signed up for the PPC account and insisted on making the payment with the MC. She continued to insist on the bank account transfer. I asked to speak to her supervisor and was transferred to " XXXX, in Arizona ''. He also refused to take payment from the XXXX and insisted on using a cash account to settle the transaction. I told him that I would be filing a complaint with their Federal regulator prior to making any payment decision but he did not change his position. I asked for his supervisor 's name, " XXXX XXXX '' and an address to complain to PPC, " XXXX XXXX XXXX, XXXX, MD XXXX ''. I then ended the call. A quick internet search showed me that PPC had already paid a XXXX fine to the CFPB for similar practices in Civil Action No. XXXX. I then decided to file a complaint immediately with CFPB. | ||||||
| 07/23/2022 | Yes |
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| My payroll direct deposit is deposited into a vemo account I got a direct deposit into my venmo account on XX/XX/2022 when I went to go use my card and also send my daughter money I got an alert saying that my account had been frozen after that I had emailed the support team for venmo and submitted the documentation that they needed they said there was a security reason for them to freeze the account I sent over my driver 's license my marriage license and both of my bank accounts that are attached to the venmo account XXXX days later last night XX/XX/XXXX she lie XXXX at around XXXX a.m. I got an email from the support team saying that my account had been unfrozen and I will be able to use my account like normal this morning XX/XX/XXXX I went and I sent out money to my daughter and I got an alert that said you can't do this your account is frozen again I talked to the people at venmo the person I spoke with was very compassionate and understanding and also said this was no fault of my own that somehow they had put restrictions on my account that when anything is done that has anything to do with those restrictions my account would freeze when your account of your account freezes with venmo it can take up to seven or 10 business days for it to get fixed this is my only income I was laid off last week on Thursday the only dime I have was the {$580.00} that was in my account my children have not had any groceries my animals have not had any dog food the only people that are suffering through this are my children so I have expressed this to demo several times a day and I still get no reply back.. the reason why I'm filing a complaint with you all it's because I googled what to do when you're trying to file a complaint with a bank and this is what I got so please I need you all 's help please contact me ASAP so I will not have to send my children to other family members just for them to have nutrition | ||||||
| 10/04/2023 | Yes |
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| My mother located a source for XXXX through a telegram correspondence. This was advertised from a website promoting XXXX XXXX material.Initially, she believed this to be truthful and legitimate, dude to its ties with the website claiming XXXX XXXX is currently our active United States president. I however do not share this perception about our current active President. I was suffering a severe case of parasites, which had traveled to my eyes and had developed into a severe health risk. On XX/XX/23, after a brief correspondence from someone claiming to be XXXX XXXX XXXX, ( Screenshots attached ) we were instructed to send {$150.00} through PayPal with the description of " family and friends ''. However the name that we were given, to send the money to, XXXX XXXX XXXX to this, they were very unprofessional, wrote with broken XXXX, and pushed for an illegal vaccine passport card for an additional fee of $ XXXX were told we would receive our order of XXXX the very next day. However we were approached by a ridiculous request to send another XXXX dollars for delivery. All of this naturally through XXXX. The additional request for {$100.00} simply had a white person 's hand holding a package with no address, when I had clearly given the address the day before at the time of the order. At that point we contacted PayPal and let them know of the scam quickly and without any additional questions from us they dismissed it and said there was no wrongdoing at all. PayPal seems to be complicit in fraud and obtaining finances through false pretenses. As the user XXXX XXXX XXXX is still active as of today XXXX was able to obtain Ivermectin through a regular website in conjunction to speaking to an actual person on the telephone and it was shipped within the United States. I have never seen anything legitimate, regarding any type of exchange of information or service, come from XXXX. XXXX XXXX eager to join them. | ||||||
| 01/14/2017 | Yes |
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| I received a free listing or insertion fees promotion from Ebay. I 've bought about XXXX items and then XXXX more recently for a camera I was going to buy. This was the first time I was selling XXXX extra lenses I had. So I looked through EBay 's website for more information and see if there are additional fees involved and I could n't find anything from EBay 's promotion or website. I was charged {$35.00} by invoice recently which was a surprise. I called the company and may have been hung up on, but was told they would not waive the fees for my situation. I 've learned since the invoice of their final value fees, but I was looking in the wrong pages on their website and it was not clear to me previously. I believe it is unfair and deceptive to new sellers. There should be a fees estimate when you are ready to list an item based on recently sold items or a manually input sales price and shipping expense. It was not clear to me how these fees were calculated or when they would apply, although I have a better understanding of it now. If I would have known how much the fees were ( including Paypal, which was also not stated ahead of time and unclear what they charge, but a bit lower fee so I paid it ) I would have listed them on XXXX for free at least initially. I think Ebay should make there fees more visible as there are many items in front of the fees that draw you away, and you need to scroll down multiple pages to start finding out more information. Finally, the listing has an asterisk on selling fees in fine print, that I learned of after the sales, but does not provide more information. In conclusion, there are likely hundreds of thousands of people who have attempted to sell items, but did not know of the selling fees until after their first sales. I think it 's wrong, unfair, and deceptive and would like my money returned for these XXXX sales at the same time that resulted in the fees. | ||||||
| 11/26/2019 | Yes |
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| In XX/XX/2019, I sold a video game on XXXX to a purported buyer. I followed all XXXX guidelines for seller protection, particularly for sending digital download codes for software. Upon receipt of the redemption codes, the buyer initiated a fraudulent claim, stating only that " my account was hacked '' and requested a chargeback of {$35.00}. PayPal agreed with the buyer without considering any of the evidence that I provided to the contrary. Upon calling them today ( XX/XX/2019 ), the Disputes representative I spoke to was incredibly rude, hung up on me, and refused to allow me to appeal or re-open the claim. She stated that I didn't provide " the IP address '' or " other information '' proving that I was defrauded. I work in XXXX -- there is no discernible way that I would be able to find the IP address of the fraudster 's XXXX to prove that they redeemed the codes. PayPal should examine how they treat customers on the phone. Customers -- especially Veterans, like me -- don't deserve to be treated rudely because we're trying to make sense of a financial institution 's overwhelmingly complex, confusing, and vague claims processes. After wasting several hours on the phone, I gave up, paid the balance due, and closed my account. I will never open a PayPal account again, nor will I ever recommend PayPal to friends and family. In fact, I will actively advise against opening accounts with PayPal to anybody who will give me the time of day. Having worked for a XXXX XXXX XXXX XXXX responsible for handling bureau complaints and inquiries, I do not expect anything to happen to PayPal, nor do I expect to receive my defrauded {$35.00} back, although it would be appreciated, particularly after how poorly I was treated on the phone. Nevertheless, I will be watching closely for similar stories, and will consider certifying a class for a class action lawsuit for UDAAP in how PayPal handles claims. | ||||||
| 04/04/2017 | Yes |
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| Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. Thanks for you time and help, XXXX XXXX | ||||||
| 03/18/2022 | Yes |
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| My complaint is against PayPal and their PAY in 4 service. On XX/XX/XXXX I purchased tires for my son using this service the amount was XXXX {$.00}. We attached his credit card to pay the four payments.On this date PayPal removed The first payment of XXXX. The merchant did not send for tires as we had purchased. They report two of the tires were lost in transit. They stated if we returned the two tires that we received they would refund the account in full. I immediately called PayPal and explain the situation to them. The male representative I spoke to told me this would not be an issue. He specifically told us to decline any further payments to the credit card as the merchant would be returning the funds. On XX/XX/XXXX the merchant returnsXXXX to the account. On XX/XX/XXXX PayPal credited my account the initial payment of two XXXX. They close the account as paid in good standing. The account was then re-open by PayPal and they began to report that I have missed two of the four payments. I sent to them statements from the credit card company showing that the first payment did go through the credit card account. Originally they had stated they never received the first payment. I then sent them statements showing that the amount that was disputed was closed when the merchant returned the monies to PayPal. I then sent a certified letter to PayPals legal department. I received a response from an attorney clearly stating that I owe no money on the account. I responded by email to her letter stating I was not asking for any monetary settlement I just want them to update their records to show my account does not owe any money to them. They refuse to do this. I have not received a response back from the attorney and as of this date the account still shows I/O money. on XX/XX/XXXX I received an email from PayPal stating they had transferred my account to XXXX to collect these funds they state I owe. | ||||||
| 05/12/2020 | Yes |
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| On XX/XX/XXXX, I received a notification from PayPal with a receipt of {$1000.00} from XXXX on my account. I already had my XXXX account locked at this time due to suspicious activity, so I knew this was a fraudulent transaction. I immediately contacted PayPal through their live chat option with the information about the fraud. I was advised to file an unauthorized transaction case, and did so that same day. On XX/XX/XXXX, I received an email from PayPal saying my case was denied. I logged into PayPal for more details, and to my shock they had allowed six more transactions to go through from the same merchant. I then called PayPal to find out why this was still happening after I had alerted them of the fraud. I was told to appeal the decision and upload any proof I might have to help my case. I filed my appeal with screenshots of me being locked out of XXXX during the time of the transactions, and in less than 10 minutes, it was denied again by PayPals computer system. I was forced to contact my credit union that is connected to my PayPal account and instruct them to not allow any transactions through until I could get my account secured. From the PayPal website, PayPal defines an unauthorized transaction as an Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. This is exactly what happened to me and I have become a victim of computer fraud. PayPal has now sent my account to their collections department and offered to settle for a reduced amount. I contacted the office of the Minnesota Attorney General, and they suggested that I file a complaint with the XXXX XXXX XXXX. I would greatly appreciate any help in fighting these charges. | ||||||
| 05/06/2023 | Yes |
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| My PayPal is XXXX For the last week, Ive had my time wasted on the phone with PayPal. First my money was on hold for 10 days. Then once it was available, it made me send a photo of my ID and SSN to verify my account. It took me hours to do so. Then, once my account was ALREADY ID VERIFIED, when I tried to withdraw my money it asked me to scan a photo of my ID and take a selfie of my face so they could match them together. I did this in a well lit room and it was green lit and said it was supposed to be ok. Then it failed to match my face with the id. I was furious when I called back PayPal and they told me I would be locked out for 72 hours, and then I would have to try again. I asked them if it could be overridden since I ALREADY VERIFIED MY ACCOUNT and CLEARLY HAVE ACCESS TO IT, and they told me I would have to wait 72 and try again. I asked them what I could do if it didnt work, and they told me I had to wait another 72 hours and try AGAIN. I was absolutely livid, because I know its NOT gon na work, since it didnt work the first time and I did it the best way possible. PayPal automated systems are absolute garbage, and when I tried to reset my password, it would give me an error each and every time and I had to call an agent to do it manually. This is gon na be the same exact thing, I know. They cant possible tell me that someone in an ID photo is gon na facial recognition match automated when a selfie distorts the face, I look different, and an ID photo is done professionally shot. This is a ridiculous and convoluted system obviously put in place to make it hard for people to withdraw their money so they go ahead and use a PayPal debit card or credit card instead of being able to send it to their bank. This is absolutely disgusting and should be illegal. Not even banks ask to scan your face and an ID, and with a useless system that doenst work on top of it. Really losing my patience. | ||||||
| 06/25/2023 | Yes |
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| I have requested documentation of the nature of violation of agreement that has been violated. As a consumer I have the right to review the action taken to close my account and withhold my funds. I would believe that the first step in stating a consumer has violated an agreement would be to notify the consumer as to the violation that has been committed so that the legitimacy that ( I ) XXXX XXXX ( card holder ) was not a victim of identity theft. This measure would give the card holder the opportunity to review actions placed against them are accurate. BELOW IS A COPY OF THE EMAIL FROM THE COMPANY : Venmo regarding request # XXXX Hello XXXX, Thank you for reaching out. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Regards, XXXX XXXX. | Account Specialist | Venmo Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ||||||
| 04/18/2020 | Yes |
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| I purchased 2 round trip plane tickets for my aunty and autistic cousin for a family trip we were taking to Florida. Due to the COVID -19 pandemic, the trip was canceled. Although I received a full refund for the portion of the trip ( which was most of it ) that I had paid for in miles, XXXX XXXX refuses to refund the portion paid with my Paypal debit card, even though some of the flights on the tickets were canceled. I submitted a dispute through my card issuer, Paypal, but their options for dispute and follow up are very limited, and didn't really cover the reasons for my disputes. On XX/XX/2020 I received email communication stating that the disputes had been denied. I have been trying to reach out to Paypal since then to have them re-reviewed but it has been impossible to get a response from them. Below is information regarding the original transactions, and the claim number Paypal assigned to them : Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX I believe that I am entitled to a full refund since XXXX XXXX 1 ) canceled one of the flights on the tickets and ; 2 ) Refunded my other portion of the flight. I have been trying to talk to someone at Paypal but all I get is agents who direct me to reply to unmonitored emails. | ||||||
| 12/12/2016 | Yes |
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| I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. The paypal account email address is XXXX. XXXX, XXXX, # XXXX. PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud | ||||||
| 12/17/2019 | Yes |
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Web | Servicemember |
| I submitted a payment through PayPal to a friend at XXXX in the amount of {$60.00}. She was unsuccessful accessing that account and I was in a hurry trusting PayPal to resolve the issue, so I went ahead and sent another {$60.00} to XXXX, an account she was successfully able to access. I had assumed this would be an easy fix, as you can clearly see on my PayPal activity that the exact amounts were sent to the exact email minus the XXXX suffix. However, after contacting PayPal they refuse to allow me to cancel the transaction and refuse to issue a refund to me. This is their response, " XXXX XXXX We are a user operated service. If you send a payment to an email address or phone number, that is where the payment is sent. Think about it from the other side. How would sellers like it if a buyer could call PayPal, say a purchase was an accident and we just refunded it. '' This person I sent the money to is NOT a seller however, and it even asks you if the person is a friend/family member or a merchant/business, in which I obviously selected friend/family. To end their conversation they suggested I speak to her and have her try to get into her account with customer service. Well here we are 3 days later and I sat right next to her as she tried to get into her account with customer service and they refused her access " because they could not verify her identity. '' In closing, I have {$60.00} just sitting in an inactive account that not the person who sent the money nor the person who was designated to receive it has access too and PayPal if refusing to resolve the issue. I have read multiple complaints of people mistyping a single letter only to never have their money refunded and those accounts holding the money most likely doesn't exist. There needs to be an investigation into how many inactive accounts are hoarding money for PayPal 's benefit without allowing access to their rightful owners. | ||||||
| 07/27/2022 | Yes |
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| i created my first only venmo account to accept a payment from my boss, for previous hours that i had worked. my boss sent me a {$250.00} payment less than 5 minutes after creating the account, and as SOON as i tried to transfer the funds into my bank account venmo froze my account without reason and refused to let me use or transfer any funds in my account for the past 3 weeks!!!!!! i have been contacting them EVERYDAY. with their phone reps hanging up IN MY FACE time after time saying they cant help over the phone, but to " reply to the account frozen email '' that they sent me and theyd reply within 48hours there, WHICH WAS A LIE. i have been calling them for weeks and EACH TIME THEY REFUSED TO HELP ME AT ALL ; EVEN AFTER THEIR SUPERVISOR TOLD ME THAT VENMO 'S APP GLITECHED AND WRONFULLY CAUSE THE FREEZE, THE STILLL REFUSED TO HELP. SO i filled out their online contact forms, that LIE AND FALSELY SAY THEY'D CONTACT ME WITHIN 24 HOURS FROM WHEN I COMPLETE THE FORM. ITS BEEN WEEKS SINCE I FILLED OUT THE FORM AND THEY REFUSE TO CONTACT ME. EVEN AFTER i submitted EVERYTHING THEY FORCED ME TO ( ie. my drivers license, my social security number, birthday, address... that i sent to them the SAME DAY that they wrongfully froze my account. ) i am STARVING AND COULD USE THE MONEY I HAVE IN MY ACCOUNT BUT THEY WONT LET ME FOR ALMOST 3 WEEKS AND I HAVE A RIGHT TO IT. i have done absolutely NOTHING WRONG. ITS NOT FAIR TO ME I HAVE MONEY IN MY ACCOUNT BUT I HAVE TO GO HUNGRY BC VENMO REFUSES ME ACCES, STATING THEY COULD GIVE MY MONEY BACK TO THE SENDER BC OF THEM wronfully freezing my account. they still refuse to help even AFTER submitted this case to the XXXX. who gave my you guys ' information. ive emailed Venmo for WEEKS BEGGING AND PLEADING TO unfreeze my account but THEY NEVER RESPOND. I need and deserve access to MY MONEY, i have a child. how can they treat me like this and get away with it. | ||||||
| 01/20/2017 | Yes |
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| I have contacted and spoken with multiple PayPal representatives via telephone and am growing very frustrated with the lack of resolution. On XXXX, I submitted a 'send money ' request to my friend 's email address for $ XXXX. I immediately cancelled this request and submitted for a refund. However, the $ XXXX was already pulled from my bank account. I then submitted another send request to her phone number. This request went through successfully. However, $ XXXX was then again pulled from my bank account. Knowing they pulled it twice, I submitted for a refund and was informed it would take about 5 days to be credited. 5 days went by and I have not received the money. In summary, PayPal has pulled XXXX $ XXXX transactions from my XXXX bank account. When I called PayPal, a rep named XXXX, assured me that $ XXXX was refunded to my XXXX XXXX. She was so confident it was refunded that she emailed me confirmation that it was sent to my XXXX XXXX. However, my credit card company denies this claim. I have attached her email. I then decided to talk with XXXX supervisor because it became clear she was not giving me accurate information. He assured me that instead of being refunded to my XXXX XXXX, that it would only attempt to pull from my bank account once more and then cease. So he assured me the pending $ XXXX transaction would fall off and in essence, my bank would credit the {$1.00} back to my bank account. Well, the $ XXXX withdrawal went through. So again, PayPal has pulled $ XXXX yet refuses to refund the $ XXXX. They have stolen $ XXXX. They continue to give me the run around, and I did n't know what proper channels I could complain in an effort to get my money back. This is ridiculous that I ca n't get a straight answer about where my $ XXXX is. My friend suggested the CFPB could help. I am hoping you can help me as I really need that money. I can answer any questions you may have. | ||||||
| 06/06/2022 | Yes |
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Web | Older American |
| Venmo user name : @ XXXX XXXX I initiated a transfer of {$700.00} on XX/XX/XXXX Transaction id # XXXX, which was supposed to arrive by XX/XX/XXXX. I never did arrive. I submitted tickets to VENMO customer service, uploaded proof that for 8 days the transfer never showed. Here is their last correspondence:5/26 " XXXX here from Venmo Support to help you with your {$700.00} standard transfer that happened on XX/XX/XXXX. I am sorry for the last communication & the confusion this may have caused. I see the standard transfer was created on XX/XX/XXXX and approved the same day. I then see it was issued at XXXX PM on XX/XX/XXXX. The transfer completed successfully to bank ending in XXXX the same day. I do not see any errors or declines XXXX. I understand how important it is that you receive these funds as soon as possible, so Ill do what I can to help. Im going to escalate this issue to the appropriate team. They can provide a trace number ( like a tracking number in shipping ) to help your bank locate the transfer. To help with their investigation, pleaseclick on the upload link belowandprovide a digital copy or photo of a statement from the bank account. Feel free to cover sensitive information such as full account numbers, and please ensure to provide the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between DATE_BEFORE_TRANSFER and SEVEN_DAYS_LATER. " As you can see it is stated a " tracking number " would be provided, so my credit union could find where it put the transfer. They never responded after this above response. Their lack of response with the tracking number, and the fact that I sent a small transfer later on which posted the next day to my credit union account, tells me the problem is not with my credit union It appears they just hope to ignore my problem I willl go away. wrong. Please help! XXXX XXXX XXXX | ||||||
| 07/22/2020 | Yes |
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| I sent a {$1.00} transaction from myself ( ME ) to XXXX XXXX ( CO ) to test an e-commerce button I had just installed on the company website. Mistakenly there was a {$26000.00} item in the cart, and PayPal processed the transaction for {$26000.00}. The problem was complicated by the fact that in trying to block the transaction for happening I disputed it with my credit card provider. Then after after being told that a dispute would prevent a refund to XXXX XXXX I un-disputed it, and then after that didn't work either I re-disputed it. This created a series of transactions that exceed the ability of customer service agents working on chat to understand and resolve. So now after months of attempts to reverse or annul the transaction at PayPal, multiple and continuous attempts to reverse or fully credit the transaction at my credit card provider, and at the online merchant backend provider, on behalf of myself ( ME ) and of XXXX XXXX ( CO ) have failed and PayPal now insists that I personally ( ME ) owe the {$26000.00} but they won't refund that money to XXXX XXXX ( CO ), so I'm stuck holding the bag for a completely fictitious {$26000.00} transaction. It's a bookkeeping mistake, somebody needs to make another debit or credit entry, but I can't manage to speak to anybody at PayPal. Everything is by chat only, with low-level agents who don't understand and refer me to everybody else like the credit card company. But XXXX says that PayPal tells them that too much time has gone by so the case is closed. I need to talk to a human being with a brain, or else take it to court with PayPal, but I'd much prefer to speak to a human being. I can no longer use my credit card because of this and I'm incurring penalties and interest on the full amount. I thought it would be settled in a few days, but since it has been going on for almost four months it has turned into a personal financial crisis. | ||||||
| 12/05/2019 | Yes |
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| On XX/XX/2019 I incurred an unauthorized transaction from XXXX XXXX, XXXX. There have been several big leaks on account emails and passwords from the company XXXX XXXX, my first account was compromised at the same time and i presume used by an individual to filter money to themselves. Automatic Payment for {$110.00} Paid with XXXX XXXX XXXX, XXXX. Account Number : XXXX. The Transaction ID for the purchase was : XXXX, from pay-pal, and Seller info XXXX XXXX, XXXX Invoice ID XXXX Total {$110.00}, Recipient email : XXXX. PayPal sent me an email saying that, " The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' So of course i have used the service before and i have made purchases from the website itself, but the person that hacked into the account made an unauthorized fraudulent purchase from my account. The website is used by freelancers and partners to sell subscriptions, tips, and other services from which XXXX XXXX takes a cut. Now because my claim has been denied my current debit and credit accounts stand with negative balances, these fees jumped from my debit to my credit card ( Plus Mastercard - XXXX ) : XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION - TRANSACTION FEE Type Fees {$12.00} {$130.00} Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX Type Bank Transaction {$100.00} {$110.00} I also had to cancel my pay pal credit account in fears that then that account could also incur fraudulent charges. PayPal will also not allow me to detach my debit account from their website, so maybe i will also have to close that account down. From what i read online is that i am not the only one in the same boat. " Safe & Easy Way to Pay. Get Started Today. " -PayPal XXXX | ||||||
| 04/27/2018 | Yes |
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Web | |
| On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase. The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts. | ||||||
| 02/21/2021 | Yes |
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Web | Servicemember |
| This is in regards to my complaint sent on XX/XX/2021 on PayPal. Not only has an unauthorized charge on my account by someone in XXXX ( I've never been to, nor do I know anyone in XXXX mind you ) been allowed by PayPal, they have retaliated by limiting my account usage. I have tried twice to dispute the UNAUTHORIZED charge but they have denied me both times. I will attach screenshots. Now, to my knowledge this is the CFPB 's main function- keeping big bad consumers from violating the rights of consumers. Paypal states ( on the screenshot ) that the limitations are a result of questionable activity on my account. If they had used some common sense and put limitations on the transaction going to XXXX, we would not be involved in this dispute right now. Additionally, why would a transaction to XXXX not be considered questionable? There are no transactions to XXXX or anywhere else internationally on my account EVER! As one can easily see, this is willful malice on Paypal 's part. I am counting on the CFPB to con duct a thorough research into this as this is not the first time Paypal has acted with malice to me. The only reason I still do business with them is because there's a client or two who comes along that I am unable to convince to use another form of payment ( due to Paypal 's protection program ). And on that note why does the protection program not apply to me? Is it because Paypal does not count this as unauthorized transaction? An unauthorized dispute means that an account has been hacked and used without their consent. My account was hacked by an individual in XXXX and the individual used my account without my consent. Why is it that my funds are not being restored to me? Maybe it's retaliation. Maybe it's discrimination. Maybe it's laziness. Whatever it is, it is also a violation of my rights as again this charge is not authoirized by the account owner, who is myself. | ||||||
| 12/06/2019 | Yes |
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| I recently filed a dispute against PayPal due to one of the unauthorized charges to my XXXX XXXX checking account for the total amount of {$1600.00}. Fortunately, my bank reversed this unauthorized charge. What happened was PayPal changed their policy and started to charge certain percentage of fees for all CANCELLED XXXX transactions as what happened to me. I sold a merchandise on XXXX on XX/XX/XXXX and received a payment of {$1600.00} including {$50.00} shipping charges. This money went into my PayPal account directly as it has been linked to my XXXX account for years. Next day before I ship out the item, buyer contacted me, requested me to cancel this transaction and issue a full refund, which I did with no other choice. I thought this transaction/fund/fees shouldve been reversed through my PayPal account as I did not withdraw any fund from it. Few days later, I was shocked to find out my XXXX XXXX checking account had been withdrew for the entire amount of {$1600.00} by PayPal due to their nonrefundable fees. I was glad my account had enough balance at the time ; otherwise, I would be paying overdraft fees as this is totally unexpected. I personally believe this is not a legalized practiced for any online business because they did not inform me when they changed their policy nor deducted money directly from my bank account without my authorization. I believe any % online transaction fees should've been fully reversed when it is CANCELLED within reasonable time. Im not sure when Paypal changed their policy because it was not how they used to practice. Now, they claimed my Paypal account has a negative {$48.00} ( incurred solely by the cancelled transaction fees ). They also limited all my online activities ; I can not even close this account without make the payment. Frankly, I do not believe I owe Paypal any money. Paypal is NOT operating fairly with their consumers. | ||||||
| 11/04/2015 | Yes |
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| I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. This situation is totally unacceptable and I dispute these charges. | ||||||
| 12/21/2021 | Yes |
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Web | |
| on XX/XX/XXXX I received a refund for XXXX. I made the purchase through PayPal so the refund was sent back to PayPal. PayPal sent the refund to the card that I made the purchase with. That card was with my bank and that account had been closed. the bank stated they would have returned the refund bc the account was closed. I called PayPal back and they assured me the refund hadn't been returned. My bank also told me they needed a XXXX digit transaction ID so the could track the refund. I contacted PayPal and the person I spoke with sent me a XXXX digit transaction ID. I tried to give that to my bank but it wasn't the correct number. I called PayPal again and told the lady i need a trace request sent to my bank. She told me I would have the refund in 24 to 72 hours. Instead I got a message that the transaction was successfully sent to the the card that I used and gave me a XXXX digit reference number to give my card provider. I called the bank with that number and that was again not the right number. I called PayPal again and spoke with someone in the dispute department and he said he sent in a request for a XXXX digit trace number. the message I got after that was the same message I had received the time before. I went to the main branch of my bank and they explained to me the PayPal needs to contact the bank the use and get the trace number from them. I called PayPal again and got a supervisor on the phone.. the supervisor told me they are the bank and the two numbers they gave me was all there was. I told him I just googled PayPal and they are not a bank and I told him what bank they used. After I said that, he told me that PayPal has done all they can do for me. It has been well over a month of me trying to get my money returned to me and I am extremely frustrated with PayPal bc they seemed like they either don't know how the company works or they don't care to solve the problem. | ||||||
| 03/13/2019 | Yes |
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Web | Older American |
| I have been a customer of PayPal since XX/XX/XXXX. Never had an issue. 10 years on, they demanded more documentation to verify my identity, claiming authority under the Bank Secrecy Act. I proved to them that they were only required to " know their customer ''. They restored my account. In early XX/XX/XXXX I started to have issues with transactions. I discovered that PayPal is 1 ) dictating to sellers what items they can sell and 2 ) blocking my funds from being used if any item in a cart is not in stock. The seller was unable or unwilling to challenge PayPal after I authorized them to take ~ {$70.00} from my account and send me my items ( vitamins ). I waited weeks for this be resolved, but eventually was forced to call PP. I was on the phone negotiating for two hours, after a 35 minute wait. The issue is the same as in XX/XX/XXXX. They have locked my funds from going out, but they don't care if funds go in. They demand documentation that I can not provide. This time they are citing the Patriot Act. I researched the Act and discovered that these verifications apply only to " new accounts ''. PayPal has stolen my funds. They will not allow me to buy or transfer. They refuse to close the account. On-line ROBBERY! Additionally, I documented where the balance stated was over what I knew to be actually available, which might have resulted in an overdraft, had I not been very observant. Additionally, the seller told me that PP will not show the cart discounts until after the transaction is authorized. This could potentially cause an overdraft, requiring a backup method to fill the gap, when there really isn't one. Either way, PP benefits as they have a guaranteed positive balance. I would appreciate an opportunity to discuss these details with an investigator. PP needs to be brought into court to get these thieving practices stopped soon. XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/20/2021 | Yes |
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Web | |
| I started using my XXXX account in XX/XX/2020 to trade cryptocurrency after that service was added to Paypal. From that time, I was trading and taking profits which were transferred to my bank accounts as needed. I was also transferring money back to Paypal to purchase cryptocurrency again when the prices rose. In other words, I was making a small income from these trades. Suddenly, on XX/XX/XXXX, I had a message in my Paypal account saying my account was limited and I had to submit various pieces of information to have it restored. I sent a photo of my drivers license and a photo of my bank statement as requested. Another request was to explain a transaction but when I opened the page to do that, there was no transaction listed that needed to be explained, so my response was " What transaction? '' On XX/XX/XXXX, I got an email saying that my account was restored. I began trading again and transferring money between accounts and on the XXXX, I had another message in my Paypal account saying it was limited again. Paypal requested the bank statement and an explanation of a transaction again. I sent the bank statement and because there was still no transaction listed to explain, I responded " What transaction? '' again. On the XXXX, I got an email saying my Paypal account was permanently limited and that I could no longer use Paypal. It went on to say that my funds would be kept for 180 days. What is left in that account is cryptocurrency whose value is fluctuating. At the time of the account being locked, the value was over {$1000.00}. Today, its value is {$880.00}. It may have less value or more value in 180 days but it should be my decision whether to hold it, buy more, or sell. I want and need that hold released at least long enough to have the cryptocurrency value back to what it was before the account was locked. Then, I will gladly remove it and have no more to do with XXXX. | ||||||
| 09/01/2023 | Yes |
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| On XX/XX/XXXX, I unfortunately fell victim to a scam. I thought it an old friend from high school, but apparently their XXXX account had been hacked and the malicious actor was posting fake items for sell. I put a deposit down for the item, when they kept asking for more that's when the red flags popped up. I realized I had been scammed so called Venmo to see if they could prevent these transactions from going through since they were still pending, I let them know these were fraudulent payments and that I had been scammed. They seemed to accept my report and opened up an investigation they told me could take up to 30 days. The spokesperson actually recommended I call my bank and try to stop the transaction there. So that's exactly what I did, I put a block on all transactions going to Venmo. No money was transferred out of my account. All is well or so I thought. About 3 weeks later on 8-14, I get a call from Venmo stating I have a negative balance on my account for {$500.00} ( Two payments of XXXX $ ). Venmo apparently didn't cancel the reported fraudulent charges and ate the transaction value since my bank had blocked all transactions with Venmo. When I spoke with the Venmo representee on the phone he told me that Venmo denied my investigation, so I was responsible for the XXXX . I informed Venmo the day of, if not minutes after the transaction happened ( it was still pending on Venmo ) that this was fraud. They should have canceled the pending transaction on their end, nor should I be held responsible for the debt. I own up to falling to a scam, but I reported this in a very timely manner to which it could have been prevented. I have read horror stories about Venmo customer service sending folks to debt collection, and therefor affecting their credit score for this same type of thing and do not wish to be part of this statistic. I requested the case details/information | ||||||
| 05/13/2020 | Yes |
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Web | Older American |
| On XX/XX/2020 I entered a search for a XXXX XXXX XXXX model # on XXXX XXXX and a website listed as XX/XX/XXXXappeared listing the Home theater I was searching for. The site showed a number of different departments and in the electronics department they showed the home theater I was looking for for sale for XXXX. I purchased it through PayPal and the funds were transferred from my debit account to XXXX. which shows on my PayPal account. Eventually I was told it had shipped ( presumably from XXXX ) to XXXX.California with a USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX store where I receive all of my mail on XX/XX/2020. I was expecting a large box with the home theater system. What I received with that tracking number was a small envelope containing a cheap yellow whistle. Needless to say I was very distressed. As soon as I got home I went to the matastore website and was told it was a non-existing website. I immediately contacted Paypal and reported that the company was fraudulent and that they sent a cheap whistle and not the home theater I ordered. Since there was no way to phone PayPal and opened a case to get a refund for not receiving what I ordered. PayPal responed by telling me they would attempt to contact the seller at XXXX. On Sunday XX/XX/2020 PayPal sent me an email stating that my case had been denied because the seller responded stating the tracking number proved my order had been delivered. I have tried several times to contact PayPal regarding this to get them to look at what I paid for and ordered and what I received. Their response was that the case ( # XXXX ) was closed. I nearly always use PayPal for online purchase because they promise to always provide a refund if I do no receive what I paid for. I am very upset that no one from PayPal has followed through on this and checked this fraudulent website that ripped me off. | ||||||
| 05/08/2020 | Yes |
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| I've been having a problem with paypal getting my irs e.i.p on my paypal direct deposit as well as hundreds of others people that got there eip through paypal direct deposit. Irs payment tool said my eip payment was direct deposited into my account with paypal on XX/XX/2020 and its now XX/XX/2020 and still have no eip on my account or showing pending or anything. Ive tried to call paypal directly but no ones in there customer service phone number cause of corona virus. Ive tried several times to use there automated online service for customers with out no help the last message said someone would get in contact with me but no one ever did. So I went to paypal community page to try and figure out whats going on and thats where I found out there are hundreds of people having the same problem as me. There was a story of one man I believe from tennessee who went to his towns news channel to go public with his story and paypal went a head and helped him get his eip payment.So if they knew there was a problem why havent they fixed this problem cause its hundreds of people with same problem.People like me need that money to support our familys and keep a roof and food in there families stomaches.Ive also tried calling wells fargo who paypal goes through for direct deposit and was told its a middle man for paypal once they get deposits it goes straight to paypal and only paypal can access information for costomers regaurding there direct deposits.So theres nothing they can do to help us.It has to be paypal who can tell us whats going on with our deposits. As far as I can see this problem has been happening with people having deposit dates from irs portal from XXXX and XX/XX/2020 that ive seen on paypal community page of tjhere website.If irs sent and gave us a deposit date then why hasnt paypal deposited it into our accounts? If you can help in anyway id greatly appriciate it very much. | ||||||
| 09/12/2023 | Yes |
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Web | Servicemember |
| I received an email from paypal on XX/XX/ that my account was permanently restricted. They claimed " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services '' even though when I call they won't give me an explanation as to exactly what the " activity '' was that was against their user agreement and I spoke to 5 different customer service agents. They all gave me different reasons from my account was linked to other accounts with suspicious activity, I had too many large suspicious transactions ( even though you can clearly see in my transactions eveywhere I spent money and they are all legitimate businesses ), another said I had other accounts in my name ( which I only have 1 account this one ) and another told me that they dont have to give me a reason if they no longer want to do business with me they dont have to?? My issue isnt even the ability to use paypal at this point I don't even want to use there services and would caution anyone I know to never keep a balance in their account. Paypal is holding the {$6700.00} I have in my account. They sent this message in the email " Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. '' How can a company not give a legitimate reason and take your money and say you can't have it back for 6 months? I am a XXXX person on a fixed income from social security XXXX and that money was supposed to be used to pay off my vehicle loan so I don't have to struggle each month to pay my bills. Now I have no idea when or if I'll get my money back? I don't even know how this is legal? | ||||||
| 05/05/2018 | Yes |
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| I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter. | ||||||
| 11/10/2020 | Yes |
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| Hello sir, I have two accounts with PayPal one under my name XXXX XXXX and email address XXXX and other account under my brother name XXXX XXXX under email address XXXX. In XX/XX/XXXX, Paypal informed me that I will not be able to use their service and they held my balance in total {$15000.00}. I have field two complains in the XXXX for each account and PayPal responded to my complains and they informed me that I have to wait 180 days to release my fund. I have waited 180 days and on XX/XX/XXXX, PayPal performed unauthorized transaction on the two accounts and they transferred all my money to an account called PayPal and they marked the transaction as corrections. Then, later they reported a problem about these transactions that they have performed on my account. I contacted PayPal asking about why they transferred all my money to this account that I am not a ware about. At that time I have informed that I have violated XXXX policy and they will take all my money. I have tried to explain on a multiple occasion that I have not violated the policy and their claim is totally wrong. I have provided them on a multiple occasion that they are processing payment till this moment to the same research chemical product that I was selling at that time on XXXX. They said we will not return your money. I tried on a multiple occasion to ask them for evidence from their policy that I violated their policy, but they do not respond in a professional way. They said you violate the policy where there is no one single item in the policy states that research chemical products are not allowed. In addition, they still processing these kind of transactions till this moment for other websites. I have contacted the senator office in California to protect us from PayPal and I have been asked to file complain in the CFPB. I would appreciate if you can help me with this matter. XXXX XXXX XXXX | ||||||
| 04/04/2023 | Yes |
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| Hello, I want to file a complaint against PayPal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have tried to reason with the company since XX/XX/2023 to XX/XX/2023 with no resolution. The Details : The company decided to permanently limit my account with no reason or explanation I use the account mainly to pay vendors ( i.e. XXXX, XXXX, XXXXXXXX XXXX, etc. ) I have never used their services to operate a business I have sent and received money for an occasion sale of a used/personal item or service on rare occasions as I have the last 19 years The company started to offer XXXX services as of XXXX, I invested some money to XXXX using their services. The Issue : Theres about {$1700.00} worth of cryptocurrency invested in my PayPal account that is locked up. I am unable to sell in an event that crypto starts to devalue ( due to volatility, especially in these times ). Moreover, based on research on various forums such as reddit, there is a likelihood that PayPal wont be returning my money after their excessive and abusive 180 day holding period on funds. Please, I would appreciate some assistance in this matter. I would like my funds to be returned to me as soon as possible. Their reasoning to hold funds is for chargebacks or issues with my buyers. This is entirely false because I do not operate a business or sell as mentioned above. The company has refused to acknowledge this. Examples of others going through the same : https : XXXX https : XXXX https : XXXX Screenshot of my PayPal Account XXXX : https : XXXX Youll see I merely use their services to pay vendors. I do not sell. I would like some assistance in this matter. It is very frustrating to realize my money is potentially lost, and I am still in disbelief this is coming from a legitimate company. Had I known PayPal to be unfair, unprofessional, and inconsiderate, I would have not invested crypto with them to begin with. | ||||||
| 08/29/2022 | Yes |
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| My Venmo account was frozen on XX/XX/2022. I did not receive an email alerting me that my account was frozen which violates their user agreement. After contacting venmo customer support on XX/XX/2022 when I tried to transfer my funds and was not allowed because my account was frozen. The venmo customer support was reading from a script and could not answer my questions so I asked to be transferred to a supervisor 8 times. After being connected to the supervisor XXXX. She informed me that they dont review cases until the consumer brings it to their attention. She also informed that she would be creating an email thread between myself the consumer, XXXX the supervisor, and the account specialist who would being reviewing the account status. I was informed it would take two weeks from the time I brought to their attention to get the matter resolved. They could not provide me a reason after asking multiple times why my account and money was frozen. I have {$1200.00} sitting in my venmo account currently frozen. I was also told that this is happening a lot so they are busy. I received the email thread from XXXX on XX/XX/2022. I responded to the email thread on XX/XX/2022 asking for a status update. Just looking to see if it was even in the process of being reviewed. I received no response from XXXX or the account specialist team which I was promised from XXXX that the thread would be used for updates as well as her personally following up on the status and updates. I called again today XX/XX/2022 I asked again for the reason my account was frozen. They could still not provide me a reason. I asked for a status update they could not provide this as well and was informed it can now take 3 to 6 weeks in order for me to regain control of my account and funds. If possible I would like help regaining control of my finances being frozen by Venmo for no clear reason that they can provide. | ||||||
| 06/15/2021 | Yes |
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| I've been using Paypal for over 10 years without issue. The account had sat dormant as there has been little business since COVID. When a client sent me a deposit I found the money was not accessible. The message I had was that I had to wait 21 days, which I did. I then tried to access the funds again, again with no luck, This time I contacted Paypal who indicted that they needed business information less than 6 months old. The only thing I have, since my XXXX expired, was my tax forms, which I sent along with my scheduled C. That didn't get the money released so I went to refund the client the money, who was on board with just mailing me a check. I attempted a refund, but Paypal attempted to take the entire XXXX out of my banking account rather than the XXXX plus in transaction fees. I then blocked Paypals access to my account. I again, contacted Paypal. The lady who called me back indicated that she had returned the fees associated with the transaction so I could refund the money once the original attempt was rejected. I got that notification today and attempted the refund, which again was rejected. I contacted Paypal yet again and received a call stating that because I didn't have a bank account attached. In other words they are using circular tactics to maintain control of my money for the next 6 months when they tell me it would be released .... I don't really even trust that at this point. All without paying me any interest for the money. This also effects that way that the clients may view me, potentially costing me business. I simply want to return the money to my clients so they can provide me a check for their deposit but they are refusing. Paypal prevents screen shots so I am unable to provide a copy of the months long conversation. I also just noticed that they have erased the fee reimbursement in the activity log but still shows in my total " available '' funds. | ||||||
| 05/26/2021 | Yes |
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| I opened a business bank account with Venmo ( a new feature ). The first issue I had was a glitch in their system that made it difficult for donors to search for our business by name. We were told to leave off the " @ '' or not use the capital letters in the name. It was resolved, but not without loss of revenue. They were also very unclear when we set up the account about the 2 % charge we would incur from deposits after the 30-day trial, so for every donor who sent in {$100.00} late in our fundraising, we lost {$2.00} in fees. My most recent, more serious problem, is that I'm not able to pay vendors through my account due to what they're calling a " security breach. '' There was no notification of a possible risk, just a message when I attempted to pay that Venmo had lost contact with my bank and I could resolve it by logging into my bank. I followed those instructions, but it did not resolve the issue. It simply looped back into the same message. I contacted customer service to see why it wasn't working, and was informed via chat about the potential security issue which they were not able to override. The agent was not able to tell me anything about the issue, why it cut off my funds, or how I could fix it. I had to ask three times for a supervisor to help, at which time she said she'd escalate the issue and I'd hear back in an email. The issue has been ongoing for at least five days ( the night of our event I was unable to pay vendors ), and there does not appear to be a resolution. I have been inconvenienced and embarrassed by a financial institution that I placed my trust in to operate my business, and evidently they are not capable of resolving it. I will be closing my business bank account as soon as my funds have been transferred to my bank, and I do not recommend opening up a business account with Venmo unless and until they work out their very egregious kinks. | ||||||
| 08/26/2020 | Yes |
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| I purchased XXXX XXXX collars from the seller and paid {$130.00} for them through Paypal. When I recd the collars, they were counterfeit. I tried to work with the seller but he wouldnt give me a refund. The seller lied and stated he was in the US and would receive the collars within 7-10 days but when I didnt receive the collars, he emailed and stated he was overseas and it would be 26-30 days. ( I DO NOT ORDER FROM OVERSEAS for this very reason ). I opened a case up with Paypal and explained the situation, even sending and showing proof the collars were fake. I was instructed to mail the items back with the tracking number. I mailed the items back, scanned the tracking number to Paypal along with pictures of the receipt and the package on XX/XX/XXXX. I had til XX/XX/XXXX to get the info to Paypal. I recd an email from Paypal on XX/XX/XXXX stating my refund was denied bc I didnt supply the tracking number and the case was closed and could not be reopened. I did supply the tracking number along with multiple pictures. I want to file a complaint for Paypal for card fraud and mishandling the case of giving a refund, refusing to look at the documentation and information sent. Please advise if I need to do anything else in order to get the refund of {$130.00} for this is the second time Paypal has done this to me ( the first time was approx {$200.00} ). Paypal did NOT investigate the case and stated an automated system closed the case and could not be opened back up. This is fraud on the seller and Paypal and also mishandling the case on Paypal part for letting an automated system handle the case instead of a person. I also scanned in the receipt for {$16.00} for I am covered under Paypal up to {$30.00} shipping refund. I have not received that refund either. I have tried to contact Paypal via telephone. I have left emails asking for a callback from a supervisor but to no avail. | ||||||
| 11/08/2023 | Yes |
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| Dear PayPal Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request that you re-investigate my case for the following reasons : Misunderstanding or Error : I firmly believe that the limitation on my account was the result of a misunderstanding or mistake. I have always strived to adhere to PayPal 's policies and guidelines to the best of my knowledge. Any unintentional violations, if there are any, were not deliberate. Compliance with PayPal Policies : Throughout my time as a PayPal user, I have made every effort to comply with PayPal 's terms of service, including all relevant policies and regulations. I am committed to conducting my PayPal transactions in a lawful and ethical manner. Request for Re-investigation : In light of the above, I kindly request that you thoroughly re-investigate my case. I am willing to provide any additional information or documentation that may assist in clarifying any concerns or issues related to my account activity. It is my sincere hope that, upon review, you will find no justifiable reason for the permanent limitation placed on my account. I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my PayPal account has caused significant inconvenience, and I am eager to resolve this matter amicably. I kindly ask for your prompt attention to this appeal and a reconsideration of my account status. Thank you for taking the time to review my appeal. I look forward to a fair and thorough assessment of my account, with the hope of having it reinstated. Please do not hesitate to reach out to me at XXXX if you require any further information or clarification. Sincerely, XXXX XXXX | ||||||
| 11/02/2022 | Yes |
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| I will try to summarize ; On the XXXX of XXXX, my friend who was in XXXX at the time of transaction sent the sum of {$5600.00} to my PayPal account, I was supposed to use some of it that day but then I received another note on my PayPal account saying my account access has been temporarily limited and some information is required before I can get back to access my account features. I obliged and submitted my bank statement as it was required. I was supposed to wait a day or a couple. After a few days of not getting a reply I called and spoke to a service representative but he was cold to me and was asking how I knew my childhood friend which was weird to me but then I told him and afterwards, he was quick to tell me that my friend is a criminal and my account was not going to be rectified. Shortly after, I got a note saying I cant use PayPal anymore and that the money on my balance will be held for 180days before I will get an email of how Ill get my money. Ive never had this experience but I know for sure this is XXXX. I asked my friend to make contact from her end, and she was told that the payment was made using family/friends so PayPal wont hold on to the payment and that I should contact PayPal. Now, Im frustrated but I had to call back again only for a different agent to tell me that my PayPal activity is the reason why Ive been locked out of accessing my money. Asking what PayPal activity exactly but there still is no reasonable answer instead the customer service agent tells me theres nothing he can do and ends the call. Now Im very confused, stressed and tired of this whole drama. Can someone explain to me in real sense why I cant have access to my own money which I happen to have LEGALLY on the PayPal platform? Is this a joke? Im attaching some screenshots of the service replies and the chat between my friend and an agent just incase it will help in anyway. | ||||||
| 12/08/2021 | Yes |
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| I created my PayPal account in XXXX and I am XXXX citizen. In XXXX of 2021 I sold XXXX watches ( On XX/XX/XXXX ) and XXXX watch ( XX/XX/XXXX ) on XXXX XXXX XXXX XXXX and got paid with PayPal goods and services. Watches were shipped from within XXXX. It total I received {$1200.00}. Once buyers transferred the money it was held for 21 days since I recently created the account and was a new seller. After XXXX days money was released and I tried to transfer it to my debit card that was linked to my PayPal account. PayPal stopped the transaction and request an ID and receipts for items that I sold. I explained that it was my personal used watches, I don't have receipts for them but I provided passport. Customer service representative told me that they will resolve the issue. Next day my account was permanently suspended and funds were frozen for 180 days. I informed XXXX of the buyers. He asked me to refund him the money which was {$1000.00} and he would send it other way. I called PayPal and they refunded {$1000.00} on XXXX of XXXX to the buyer. Since it was paid with credit card it supposed to go to buyers credit card account. He never received the money. PayPal lifted my account limitation on XXXX of XXXX, 2021 and I was able to transfer the remaining amount to my card. I called PayPal many times over the course of 6 months, trying to resolve the issue and they told me that buyer needs to resolve it from his side. The buyer tried to resolve it and get a trace of transaction but PayPal did not provide any trace. PayPal told him that they don't know what happened and don't know how I was able to refund him after limitation. I have transaction record on my PayPal account and buyer also has transaction record of refund that states that it is refunded to his credit card. But he never received the money. Buyer provided me with all the proof and still in touch with me. | ||||||
| 04/09/2018 | Yes |
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| -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. Your prompt response to this request will be SINCERELY appreciated. Thank you. | ||||||
| 01/01/2020 | Yes |
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| On XX/XX/2019 I opened a paypal account. Made the following transactions : XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Express Checkout Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Mass Pay Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX I had recieved a withdraw of XXXX on XX/XX/2019 From XXXX XXXX XXXX. Of those winnings I sent payments of funds to 3 people who where part of winning funds. There is no issue and no outstanding compliant with XXXX XXXX XXXX with funds they sent to my account. After sending the funds to those accounts listed above i had a balance of {$350.00} within paypal. Paypal is refusing me access to those funds for 180 days. I've been given no reason for this placement on my account and with no options to reaceive there reasons why. I spent over 6 hours on the phone with various support departments only leading to no answers to any of my questions. When I opened my paypal account I followed the guidelines, and the account is fully confirmed with banking info attached as per paypal guidelines. Im hoping to receive help in receiving funds on hold within my account immediatley. I don't want my account reopened or be used again in anyway ever with paypal again. I'm just seeking help in receiving remaining balance within a timeframe that's reasonible unlike they're 6 month scope. | ||||||
| 09/22/2021 | Yes |
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| we are a XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/21 a customer sent {$7200.00} through paypal to pay his bill. the customer was very satisfied with no problems. paypal had then decided to flag this transaction due to its high value asking us to provide business documentation ( tax id #, and address verication ). upon receiving these documents they then asked for the owners ssn and passport #. we asked why and their response was " its part of our verification process ''. we then asked " what does the owners personal information have to do with the business info? '' there response was : " its part of our verification process ''. everytime we called they gave us a different date as to when they were releasing the money. at first they held the money for 5 days, then it was a week, then it was 10 days, then 21 days, then 30 days, after at which time they eventually decided to permanently freeze our account. unfortuneatly there was still a balance of {$7000.00} ( minus paypal fees ) that was still left in the account. we were then told that paypal may hold the funds up to 180 days, at which time they would email us with information on how to access any remaining funds. they have and continue to say that the money is released but we have no access to it. they act like a bank - take fees- and then confiscate my balance. we are contacting you to hopefully get the funds released before then. for a small business this money is a months income for me, I cant even pay my sales tax. We've heard from customers that paypal has held there money for 6 months and after 6 months they informed the customer that they were holding the money for another 6 months with no reason given. how could a company hold someones money for 6 months without any justification? In my opinion this is a fraudulent business tactic and should be addressed by the authorities immediately. thank you in advance | ||||||
| 05/30/2019 | Yes |
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| On XX/XX/2019 I received a payment in the amount of {$590.00} into my PayPal account. On XX/XX/2019 I received another payment for {$12.00} and the final payment of {$290.00} on XX/XX/2019. I made several attempts to withdraw the funds from Paypal to my bank account and all the transfers were denied. Paypal requested copies of documents verifying my identity. On XX/XX/2019, I provided a copy of my drivers license, phone bill showing my current address, and a pay stub showing my current address and my social security number. On XX/XX/2019, I received an email from Paypal advising that my appeal had been denied and that they were holding my funds for 180 days with no explanation. They offered me the option to refund the money to my " buyer '' and explained how to process this refund in the email. When I logged into my PayPal account, there was no option to refund the money and no other information explaining the reason for this unjustified hold. I spoke with a PayPal representative on XX/XX/2019 who advised that she could not provide me with any information for the reason for the hold, and there was no way to have my funds returned to me. I advised that I would be filing complaints with the regulatory agencies governing PayPal as this hold is unjustified and untenable. I do not sell services or products online, I do not have any chargebacks or negative feedback, I do not owe monies to Paypal, and I did not receive the payments as a result of a product sold. They advised that I could not speak with a supervisor and that this hold and account closure were final. On XX/XX/2019, I sent an email to Paypal 's executive team and the appeals department advising that if my funds were not disbursed to me by XX/XX/2019, I would be filing a complaint with all applicable regulatory agencies and I offered them the ability to cure of which my emails were not responded to. | ||||||
| 04/20/2016 | Yes |
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| This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX. | ||||||
| 06/07/2018 | Yes |
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| On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation. | ||||||
| 02/12/2016 | Yes |
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| Age/retirement status discrimination. I assisted my mother in applying for a Paypal Credit line and she was instantly denied. I then tried to apply myself and I was instantly approved for {$500.00}. Then I tried to raise my credit, and was denied. Paypal 's service stated that there would be an email followed by a letter describing why my mother was denied. I received an email promptly upon denial for the credit limit raise as well as a letter within 5 business days with my XXXX credit score and reasons for denial. My mother, however, did not. I have contacted Paypal on three occasions now and was hung up on and given a run around on the first message communication which disappeared. I have submitted another message communication on their support site and the employee is telling my mother to reapply repeatedly in order to check if she can get a Paypal line of credit and refuses to acknowledge or address the fact that she was denied proof of reasoning through a respectable credit reporting agency, specifically in this case XXXX which is what Paypal is using. Considering my score is XXXX and my mother 's is XXXX, her credit card is connected to me so I reflect those debts and revolving accounts, and I have a negative medical debt, as well as no job or income, it makes no sense that she would be denied while I would be approved. That is, however, less important than the fact that they are denying her proof of denial. Others have said they think Paypal is performing age discrimination/retirement discrimination as they want young, debtable, work-able customers to keep money flowing but none have taken steps to push the issue and hold Paypal accountable. This is the only step I found to take so I am. I do n't expect Paypal to accept every application but I do expect them to provide proof as promised and is her right of the method and reasoning used to deny her credit. | ||||||
| 11/12/2015 | Yes |
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| On Tuesday XXXX XXXX I receive an automatic email from Paypal saying that I have autorised a payment of {$100.00} to XXXX. I did not order anything at this XXXX, the organisation was unknown to me. I contacted XXXX and issued a fraud alert with Paypal. Fearing that my accounts had been hacked, I changed passwords on every account I could think of, including XXXX. XXXX then automatically takes you through some steps to check if everything is OK. XXXX XXXX an app that I possibly had not installed myself. It was a XXXX app, and indeed I had not installed it. I found out that it was impossible to notify XXXX in any way about the scam and the fact that my XXXX account was perhaps involved in this. There is *no* email address or contact form to be found. XXXX confirmed that the payment was made via a fraudulent account and directed me to Paypal. Paypal does not acknowlegde my claim. They state that the payment was done from the same location as the fraud report. Therefore, they conclude that there is not enough evidence to support my claim and charge me with the task of finding evidence. In all this, I have already pointed out to Paypal that my XXXX account had been tampered with ( I had different passwords for XXXX and PP ), informed them of this suspicious app and repeatedly asked how their statement compares to that of XXXX ( which does acknowledge a fraudulent account ). On all of my questions I just get a standard reply, Paypal does not address any of my questions. Neither do they explain how I am supposed to get evidence of a hack/fraud. It may very well be that the payment was done from my home. I work from home and had my computer on all morning and XXXX was open most of the time. But it is beyond me to find out, let alone prove, how this fraud was carried out. It seems to me that PP are the ones with the expertise to investigate these matters, not me. | ||||||
| 08/02/2023 | Yes |
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| I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this decision was made in error and would like to provide the following key points for your consideration : Mistaken Limitation : I firmly believe that the limitation on my account is a result of a misunderstanding or an unintended mistake. I have always used my PayPal account responsibly and have never engaged in any activities that would violate PayPal 's policies. Compliance with Policies : Throughout my usage of PayPal, I hav e been diligent in adhering to all terms and conditions outlined in PayPal 's User Agreement and Acceptable Use Policy. I take great care to ensure that all my transactions are legitimate and in full compliance with the platform 's guidelines. Request for Re-investigation : I kindly request PayPal to re-investigate my account and thoroughly review the circumstances surrounding the limitation. I am confident that a closer examination will reveal that there have been no policy violations on my part. Account Restoration : If the re-investigation confirms that the limitation was indeed placed in error, I kindly ask that you reinstate my account at the earliest convenience. My PayPal account is essential for my day-to-day financial transactions, and its suspension has caused significant inconvenience. In conclusion, I sincerely believe that my account was mistakenly and unjustly limited. I trust in PayPal 's commitment to fairness and transparency and hope that you will reevaluate my case promptly. Thank you for your attention to this matter. I look forward to a resolution that allows me to continue using PayPal 's services without interruption. If any additional information is required from my end, please do not hesitate to contact me at the provided email address. Best regards, XXXX XXXX | ||||||
| 01/30/2022 | Yes |
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Web | Servicemember |
| I hope all is well I just want to start off by saying thank you very much for allowing me to use PayPal pay in 4. I been trying to pay my Pay in 4 but it hasnt been showing up on the website for me to pay luxurybrandholdings inc. {$90.00} and I been checking it everyday other day. I decided to call and they advised that Im in collecting, I pay all my bills. I havent ever been in collections in my life, I dont appreciate this because if I would of saw it, I would of definitely paid it. Im glad I decided to call PayPal because if I didnt I would of never knew about it because I was assuming I paid it in full since I couldnt see it no more on the website or got any call or anything in the mail about it. I have no problem paying it and I would like to pay it. It better not be on my credit with the credit bureaus because I been trying to pay it and I assumed it was paid because I didnt see it or hear anything about it. Please fix this issue with your website and allow me to paid this in full. If anything is reported to the credit bureaus it needs to be removed ASAP possible because this was not my fault at all because again if I would of saw it, I would of paid it. I dont mind paying it now. Can you please make sure Im able to use the PayPal pay in 4 in the future because this isnt not my fault at all and also I should not be charged a late fee. I also have XXXX myself my baby and my son so please be understanding of that as well too but again it was not on your website to pay I check all my accounts including yours every other day and I pay my bills on time. Thank you very much for your time, I look forward to resolving this issue but please fix your website cant pay for something you dont see and I definitely been checking as well I need to be able to use the PayPal pay in 4 in the future because this isnt my fault. Have a wonderful day and please continue to be safe. | ||||||
| 10/03/2022 | Yes |
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| Between XX/XX/XXXX and XXXX, there was a coupon-based promotion run by Paypal on purchases at XXXX that state {$15.00} off when you make a purchase of {$15.00} or more. Many customers including myself saved the coupon offer on Paypal, saw the {$15.00} off apply during checkout, and got the Paypal email receipt showing only the remaining balance above {$15.00} should be charged. However, we got charged the full order amount. I personally paid with Paypal balance so you would think it can easily be refunded by Paypal. I attempted to contact Paypal support as well as transaction dispute immediately to resolve the issue and got a response that they can only issue a {$15.00} voucher for future use because they can not go back and apply a voucher that should have been applied, and even that voucher needs to wait until they get communication so no clear timeframe of resolution. This is clearly not an acceptable resolution as I would not have placed the order if the {$15.00} offer didnt apply, and I do not want a {$15.00} offer for future use, I need it refunded. Paypal response : We were advised of this issue occurring on this type of transaction, I'm sorry to hear that you were affected. We are working on getting these resolved with our affected buyers who are experiencing this. Once it's been completed, you'll get the voucher for {$15.00} that should have applied. Once the payment is captured, we're not able to go backwards to apply the discount that should have transpired. Sorry. Thanks for your patience while we work through this issue. Paypal response : There are some things beyond our control when it comes to the rewards we offer to our customers. If others are saying a refund is being done, I've not been communicated that yet on our end. Currently we have not been updated yet on any resolution on this matter. I'll leave the chat open another 24 hours. | ||||||
| 12/13/2020 | Yes |
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| Hi, a month ago I contacted you all about the company PayPal and I got their response and believe me when I say Im so frustrated at this point I dont know if its worth living. I told them Im in school and Im helping out taking care of my family and they bluntly ignored everything I said. They have wrongfully withheld my money from me and with no proper reasoning. I read their responses and they said I didnt turn in the proper documents when I clearly did and then they lied and said I did it under someone else name names XXXX XXXX. I have no idea who that is or where they got that from and how could I alternate a bank statement that makes no sense. Im beyond frustrated Im to point where Im just really really depressed. I cant stop crying right now because I have done nothing wrong but open an account with the trust that PayPal will be a good fit for me and that I can trust them with my money. I wasnt offered no appeal, no real explanation till their response, and even then Im not offered no real solution. I cant wait till the end of XXXX to receive my money why dont they understand that theres people like me who need that money. Its not fair for them to keep it away from us. As I just learned Im not the only person going through this it just makes me more depressed. I dont think I can deal with this anymore Im having XXXX XXXX left and right just thinking about what am I going to do next, how am I going to help my family, where is my next funding coming from, and how am I going to get through school. This is just a lot for me to handle. I seriously need your help because at this point they dont care about me or my family. They are being completely bullies and acting like this okay. Its NOT OKAY! YOU ARE MAKING PEOPLES LIVES HARDER AND DIFFICULT!!!! Isnt it already bad enough the corona virus is here and no one can really work no one can really support their family. | ||||||
| 11/30/2020 | Yes |
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| PayPal accepted funds of XXXX from XXXX XXXX XXXX on an account that was inactivated in XX/XX/XXXX. They DID NOT contact me by email or phone with instructions on how to get the funds. The account is inactive, to activate I would need to add new credit card and bank statement. This is a violation of my privacy, and I DO NOT want a PAYPAL account. They contacted me today, the FIRST Time since XXXX XXXX transferred the money on XX/XX/XXXX. They have sent two account statements indicating that I have a XXXX Balance. I would like PAYPAL to send the money, I do not want to use PAYPAL, store the money with PAYPAL, give PAYPAL a bank statement or credit card information. The account is inactive because I DO NOT use PAYPAL. They noted that the account was created in XX/XX/XXXX and inactive since XX/XX/XXXX. I DO NOT want to be compelled to use PAYPAL because they accepted money on an account that was closed, and then did not contact me to make arrangements to get the money. I have contacted them several times and also have attempted to login. I can login, but then they are asking me to upload a bank statement and additional information. If the inference is that once you open a PAYPAL account you can never close it, that seems illegal. PAYPAL has not contacted me about this matter, telephonically or by email. They have a message that they are busy and it is best to contact them using their website. It is difficult to get through to them, and I can not send a message through their website without uploading personal information they are asking for to reactivate my account. I DO NOT want my account reactivated!. I WANT my money. They SHOULD NOT have accepted and not notified me, since the account is inactive. They response they provided is inaccurate and does not address the issue. I WANT the money they were sent, and they are not facilitating me getting the money from them. | ||||||
| 07/16/2017 | Yes |
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| Once again, Paypal is neither respecting their word nor fullfilling their promises. After my 2 previous complaints against Paypal, XXXX XXXX , Operations Counsel of Paypal, agreed in reactivating my account based on the email XXXX . However, I still receive contradictory and misleading email messages by the XXXX branch of Paypal as well as from XXXX XXXX , both openly contradicting the promise of XXXX XXXX . As a response to my complaint XXXX , Paypal advised me to contact XXXX XXXX , head of their Executive Escalations office. XXXX XXXX sent me a message on XXXX XXXX 2017 via the Paypal messenger showing alarming contradictions and lack of knowledge of Paypal rules. As a reply, I explicitely showed XXXX XXXX that what Paypal is still restricting me ( and using as basis for blocking my accounts ) is something Paypal is endorsing and supporting in their websites : the possibility of transfering funds among the accounts located in different countries by the same accountholder. In the original link provided : XXXX XXXX XXXX XXXX officially endorses XXXX , an international partnership allowing XXXX accountholders to transfer funds between their accounts. Moreover, Paypal provides a specific email address for usage in transferring money fron one country to another : XXXX Please READ this link where the PARTNERSHIP between Paypal and XXXX is announced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX general as well as this Paypal link : https : //www.paypal.com/ar/webapps/mpp/withdraw-funds so all of this confirms, as I said it very enphatically, the invoked reason for keeping the lifting in my Paypal account is COMPLETELY GROUNDLESS, based on FALLACIES and MISSINFORMATION. There is also NEGLIGENCE and bad faith in Paypal attitudes through XXXX XXXX and XXXX XXXX . | ||||||
| 04/22/2020 | Yes |
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| On XX/XX/2019 I ordered an XXXX gift card on XXXX for {$480.00}, I paid through PayPal, {$4.00} of it with an XXXX coupon and the other {$480.00} with my XXXX credit card, but right away the seller cancelled the order, saying they were sorry but it was already out of stock. On XX/XX/2019 PayPal emailed me saying " The money has been refunded to your PayPal Cash Plus balance. It will be made available on or around XX/XX/2019. '' but that refund never actually happened. On XX/XX/2019 the seller messaged me that I need to file a PayPal claim to get refunded, so the next day I filed a claim, which was closed in my favor shortly after, but no refund actually came, even though I emailed and called and chatted with PayPal many many times. Eventually a PayPal representative on the phone said I should just file a claim with my credit card company ( XXXX ), which I did 3 times, but every time XXXX closes the case in PayPal 's favor, saying PayPal is the party that's supposed to give the refund, like they said in the email to me on XX/XX/2019 mentioned earlier. Every time I reach out to XXXX they say I need documentation from PayPal proving the refund is supposed to go to my XXXX card ending in XXXX, but every time I ask PayPal for that documentation the representatives say they're not authorized to provide any documents like that, even when I ask to be transferred to someone who can they always say no. When I beg them they just say obviously the refund was supposed to go to the original payment method but we can't put that in writing. They also sometimes say we can't help you with this transaction at all since you already did a chargeback with XXXX ( but I only did that since PayPal told me to ). I'm including my PayPal statements from XXXX and XX/XX/2019 to prove the refund isn't there, and I'm also including proof from my XXXX account that I didn't get the refund. | ||||||
| 08/11/2023 | Yes |
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| XX/XX/XXXX : I sent 2 payments to XXXX XXXX in the XXXX ( transaction XXXX of {$2800.00} and transaction XXXX of {$1000.00} ) XX/XX/XXXX : XXXX sent me an email asking for information about my recipients, including XXXX XXXX. I replied, providing them with all of the requested details. XX/XX/XXXX : XXXX sent me another email advising me that there was a 'technical problem processing my transaction ' and that they were working with their partner to resolve this. XX/XX/XXXX : XXXX XXXX advised me that the payments had still not reached her account. I emailed XXXX help and got an automated reponse. XX/XX/XXXX - XX/XX/XXXX : I called XXXX Customer Service multiple times asking for more information on when the issue would be resolved and what steps I could take to escalate my problem. I asked for, but received no callbacks. There is no escalation, resolution or formal complaints procedure available through the XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX : daily calls to XXXX Customer Service, messages through XXXX XXXX XXXXXXXX ) result in no more information. The standard response is 'We apologize for the problem, our technical team is working on the issue. ' The only other information I received was that XXXX is unable to refund my transactions as 'our partner in the XXXX XXXX XXXX can not determine whether the money has been deposited into their account. ' I was also told there are a number ( XXXX was mentioned ) of other customers in the same situation. As a start up, these funds are used to pay my supplier. They are vital to my ability to continue providing services to my customers. Without clarity on when the issue will be resolved or even what the next steps are, I am not confident that XXXX will return my missing funds. There is a lack of communication, explanation or proactive customer service that is adding to my frustration and stress. | ||||||
| 12/11/2021 | Yes |
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| Venmo and XXXX have a collaboration to allow customers to send payments using their XXXX Send account. I have had issues using this service since XX/XX/2021 and was unsuccessful in sending a payment to another Venmo account. Regardless of who the payment was being sent to I still received an email from Venmo stating that the transition was cancelled and being returned. but the problem is that the funds were not returned to XXXX which is the payment funding resource. That is fine that the transaction was cancelled but the financial issue that has caused financial harm is that funds were not returned to the original payment source. The payment of {$1100.00} was not returned to XXXX and the funds are frozen in the account. I am not sending the funds to my personal bank account because the purpose of the transaction is to fund an Art project through a business account and I need the proper documentation and a track record of receipts. If the transaction was cancelled by Venmo then the funds need to be returned to XXXX the original funding source. I received an email stating that the account was frozen and to upload my identity. I already uploaded my identity. Venmo successfully verified my identity but then froze the Venmo account a second time even though I already uploaded a picture of my identification. The funds are still not returned to XXXX. I have contacted Venmo and chatted with customer service and customer service is asking me to submit a copy of my bank account to unfreeze my account even though I did not use my bank account to make the {$1100.00} Venmo transaction. I am not sending the funds to my personal business account because that defeats the purpose of using the XXXX SEND product for the Venmo transaction. The bottom line is that the transaction of {$1100.00} that was cancelled by Venmo needs to be returned to XXXX SEND ASAP! | ||||||
| 09/08/2022 | Yes |
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| On XX/XX/2022 at XXXX PM EST I made a purchase at a store called XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$260.00} each which was then discounted to a total of {$620.00}. Some time later XXXX XXXX XXXX as a company was dissolved as it came out that the company was actually a XXXX scheme. More about this situation is available online. On XX/XX/2022 I filed a dispute for the beforementioned purchase at XXXX XXXX XXXX as the company had been dissolved and they no longer were going to be able to provide the items I had ordered. This was well within Paypal 's 180 day deadline for disputes. The dispute was filed as " XXXX not received ''. Once I filed the claim they gave XXXX a chance to respond to this claim. The allocated time had passed, XXXX never responded, but the case was not closed in my favor. On XX/XX/2022, the case was closed as Paypal had deemed " this transaction is ineligible for PayPal XXXX XXXX. '' According to their own website : " You're Protected If : Your order never arrives. All you have to do is log in to your account and open a dispute to get the refund process started. If you made the purchase on XXXX, start here instead. '' and their site goes on to say " If an order doesnt arrive or it doesnt match the description, well reimburse the full cost of eligible purchases plus original shipping. '' source : XXXX XXXX XXXX They have not provided a reason for why this dispute is inelligible for PayPal XXXX XXXX XXXX I placed an order, shipping information was never provided, The item never arrived, so I dispute the transaction within the timeframe and get rejected. On top of all of this, Paypal never notified me that the dispute had been closed. I had never received an email to let me know it had been closed. As a result I have gone past the allocated amount of days to respond to the closed dispute | ||||||
| 12/21/2021 | Yes |
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| On XX/XX/XXXX at XXXX XXXX I received a text message from venemo with a login code to verify my identity. So I reported it to venemo because this was the 3rd time I had gotten this text within 2 weeks. I reported it changed my password and went to see my doctor and my card was declined, so I login and see my account is suspended for violation of PayPal terms. I've emailed venemo support on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent them everything they asked of me to verify who I am and my account tomorrow my XXXX check is to be deposited and they are refusing to let me into my own account. I have spoken with 8 different people at venmo never getting the same person twice. I need my money I am XXXX and need to see my doctor but I can't without money upfront. They are illegally holding my funds after I've done everything to show them I am the owner and I am the one who reported the possible fraud on my account. Why would they punish customers like they do instead of going after the IP ADDRESS of the one who tried to get into my account. My phone is logged in to it and it knows my phone what is the problem. I'm on the verge of XXXX I have XXXX XXXX and if they fail on me it will be venemos fault solely for refusing to release my money even after I explained to them I have a XXXX emergency. They need to train their staff better and set one person on an account or supervisor instead of 8 different people and none of them knew or understood anything that had previously been said or happened. I need my money now I am XXXX. They won't release my funds to be able to see my doctor we can't and have been instructed not to come into the hospitals or urgent cares with fever or the offices unless we call first and make arrangements to be seen because of covud I can't go places like that because I'm at risk and they are stopping me from being seen and my life is on the line | ||||||
| 05/06/2021 | Yes |
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| Sir/Maam ... My name is XXXX XXXX XXXX XXXX XXXX XXXX. I am an enlisted personnel of the XXXX XXXX On XXXX XX/XX/2021 I sold a XXXX XXXX XXXX XXXX XXXX Buying Website called XXXX, the XXXX amount is around XXXX that is XXXX XXXX XXXX worth of XXXX, l was able to sell it in XXXX with more XXXXr less XXXX and it might got higher depending on the market exchange also according to the XXXX they are the one who would shoulder the payment of the transfer from them to my Paypal account. On XXXX XX/XX/2021 in batches they sent into my Paypal first the amount of XXXX including the Payment of transfer the later in the afternoon they send again to my Paypal the amount of XXXX including the payment of transfer, in total I only got more or less XXXX and as expected it got higher that the projected amount l first mentioned. At that moment when l recieved the payment ... Paypal emailed me to explain my transaction ans send them my proof and l did. l even send them my XXXX lD, l also explained to them the transaction l did.. lt is actually the first time l made transaction with Paypal and my accout is new.. however l have a Paypal account before but XXXX already forgot the password fo l made new one ... The next day XXXX XX/XX/2021 They send me an email that my transaction in my Paypal will forever be limited and they will hold my money worth of XXXX for 180 days ... l try to reach out to them but maybe beacause of Pandemic it is quite difficult. They said that my transaction is suspecious but l provided them the screenshot of my transaction and my ID ... they are becoming unreasonable ... lt quite difficult nowadays and so l was trying to make some money online while on duty and yet this is what they done to me very disappointing ... l am hoping that through your agency the Paypal will be able to restore my account and be able to withraw my money very soon.. Thank You.. | ||||||
| 09/27/2023 | Yes |
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Web | Older American |
| On Monday XX/XX/XXXX at XXXX XXXX Pacific Standard Time, I called tried to close my PayPal account business account and it said online that I must call customer service. I called customer service and I requested that they close my account. I was told my account was closed after being on the. Phone for quite some time. Today, Thursday. XX/XX/XXXX I wake up to a note e-mail from PayPal saying they've restored my account. I call them. I get to a supervisor. I find that they have not closed my account. When I go online, I looked, it was not closed. Therefore all my information was there. I was not able to remove my credit cards or my bank account info either. The supervisor told me that he was unable to close my account and I asked him why and he said there was a limitation put on it. And I asked him what it was and he said there was a limitation put on Monday at XXXX XXXX, the exact moment I told them to close my account. The limitation placed on my account was that it would not be able to be closed even by a PayPal employee. So they did not close my account. They in fact put a limitation on it so it could not be closed. the employee at paypal today was quite good i explained to him the situation he explained to me that first he would try and get my cards off which they had locked on and could not be taken off. He did manage to get my cards removed and then he started on trying to figure out why or how to get this limitation off. After about XXXX an hour he did get the limitation removed and he closed my account and then we had a whole discussion the supervisor and I about how crazily illegal it was that when I called to close my account as they required me to call them. That PayPal third tier supervisor put the limitation on it that could not be closed. If they are doing this to me, they're doing it to every other business account holder and this is illegal. | ||||||
| 07/23/2022 | Yes |
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Web | Servicemember |
| I've opened an account with Venmo so I could recieve payment for some baby items I sold to a customer online. Only form of payment she had on her at the time was venmo. So I set up the account and recieved the payment. From the minute I received the payment Venmo has frozen my account even after successfully might I add verifying my identity ( so I know that isn't the problem ) and I've personally wrote them 5 times and spoke to 5 customer service representatives who tell me all the same exact thing. The first two told me the day that if happened to give them up to 1-2 weeks to get back with me about the status of my account and couldn't tell me why it was frozen and when or if they could even unfreeze it! Then 2 and a half weeks later, no response. I wrote 2 more separate CSR 's and was given the same excuse, no explanation, but told that it would be forwarded to an escalation team and keep an eye on my email but it could take up to 2-8 weeks for a response! This is after I should've already recieved a response might I add and haven't. Over a week late on top of that! I just want my money and I want to close the account. It seems that no one actually works at Venmo, atleast not a living breathing human because I have screen shots where I was stuck at the gas station with my XXXX in the back seat out of gas and needing to use my money on Venmo to put gas in my car so we could safely get home and after explaining this to Venmo they still offered no explanation or even a resolution and simply did not give a XXXX XXXX. I personally will never use them again after the blatant disregard for my child and I in Florida in 102 defeee weather out of gas stranded with no way to even access MY MONEY that they have STOLEN from me. No matter what I do or who I speak to I can not transfer, send, or even withdraw money I was sent for payment for something over a month ago!!! | ||||||
| 04/21/2022 | Yes |
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| On the XXXX of XX/XX/2022, I received an email from PayPal that my account is going under closure, first i thought this was a fake email but when i logged into my account it was actually real. They are telling me that my account is closing from the vague reason of violation of PayPal 's Acceptable Use Policy. What i did first is messaging them on the paypal website and asking for a more specific reason, first I received an automated message which i responded to so a person can answer me. The second answer i think it was by a person but it wasn't telling me why my account is closing, just that my account was reviewed and they think it should be closed. I replied to that answer again and told them what i am using PayPal for and ask them again the reason why i was permanently limited. They simply answered that the decision can not be overturned and that my funds will be frozen for 180 days. I called them on XX/XX/XXXX and explained to them again what I use PayPal for and they issued a new revision for my account which i never got an answer for after 72 hours of waiting. I use PayPal to sell digital products/goods. I am a developer and I create plugins/scripts which are digital products, then I sell these products on a marketplace. I can give all the info on my products and the Marketplace that I am using if needed but PayPal never asked for that before closing my account. I was using my PayPal account for about 2 years and I had no disputes over this time period, the account was verified and I gave all my personal information when I created it as well as added my credit card & bank account. I am really worried now that I'll never get access to my balance that was frozen, I have XXXX $ which i can not access. I need this money to pay my bills and my life expenses and can not wait 180 days to have it back. For 3 days I have been stressed and couldn't sleep & eat. | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been imposed in error and would like to appeal this decision. First and foremost, I want to emphasize that I have always been a conscientious and compliant PayPal user. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. The sudden and permanent limitation of my account has not only caused significant inconvenience but also raised concerns about the security and fairness of PayPal 's review process. I kindly request that PayPal re-investigates my case thoroughly, taking into consideration any possible errors or misunderstandings that may have led to this limitation. If there are specific concerns or issues that need to be addressed, I am more than willing to cooperate and provide any necessary information to resolve this matter promptly. My primary goal is to restore access to my PayPal account so that I can continue to use your services for my financial transactions. I have always valued the convenience and security that PayPal offers, and I believe that this situation can be resolved to the benefit of both parties. I understand that PayPal takes matters of account security and policy compliance seriously, and I share that commitment. I kindly request that you review my account once again and, if possible, consider reinstating it. I believe that a fair and careful review will demonstrate that I am a responsible and compliant user of PayPal services. Thank you for your attention to this matter. I look forward to a prompt response and resolution of this issue. Please do not hesitate to contact me at XXXX should you require any further information or clarification. | ||||||
| 10/17/2022 | Yes |
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| Hello my name is XXXX XXXX, starting around XX/XX/XXXX I have gained some positive balance in my PayPal account that was newly opened. The funds in totaled right now are a little over {$200.00} us dollar. Today is Sunday XX/XX/XXXX I have been constantly on the phone with PayPal getting the run around getting different answers from every different rep I have spoken to. They made it impossible to transfer my funds into my bank account or even to link my PayPal as a payment method with the exception of a few XXXX orders that worked maybe two times out of 15 attempts. The common answer I get is please wait XXXX hours and let the system refresh and try again. After trying every last option on PayPal and getting nowhere today XX/XX/XXXX I get a email from PayPal saying I can no longer do business with PayPal. This is a ongoing problem and there's tons of people PayPal is doing this too and illegally taking there money. Someone really needs to look into this company how is PayPal a bank where consumers keep there hard earned money in. And then there is no one at PayPal that can fix the problem to access my own money. My family and I now are stuck going hungry and don't have any gas to make it to our jobs and now are stuck with nothing because now PayPal says there going to hold my funds for 180 days and from what I'm reading on case files and reviews online after the 180 days they still keep your funds. Please please im begging someone to look into this company this is not a bank at all this is racketeering and they need to be held accountable. There is plenty more people out here suffering from the hands of PayPal that aren't aware of or don't have the means to try and seek legal help. Please make a change. Look into this fraud of a company and I promise it will definitely lead a long trail of hopefully stopping people of a world of hurt and suffering. Thank you | ||||||
| 07/09/2020 | Yes |
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Web | Older American |
| 1. Exhibit 1, I rec 'd an email from Paypal with a questionable transaction, I had not made since I have not used Paypal for several years. 2. I called listed below the email of this, assuming this is a legitimate email from Paypal. 3. I talked with XXXX allegely he is from Paypal, that my account had been hacked rom several countries like XXXX, XXXX, XXXX, and locally from ststes like Clorado, Virginia, Texas, and Georgia. See Exhibit 12. 4. Our phone coversation has been recorded on notepad and Shown on Exhibits 9-15. 5. Anyway XXXX SAYS, I need purchase XXXX gifts cards worth {$500.00} each for him to removed my name from these Hackers, so I will not have unusual trnsactions appearing on my Paypal Account, which is backed by my XXXX XXXX. 6. XXXX made the assurance, not to worry about the purchase of {$500.00} gift cards, because I will be credited back for how many cards I bought. 7. Starting onXX/XX/XXXX to XX/XX/2020, Exhibits 4 - 8 are the purchases for XXXX Gift cards, which I XXXX ( my afterthought ) followed on the assurance I will get every amount back. 8. EXHIBIT 2, is the email again from Paypal that returning {$3000.00} can not be done as Paypal being a company has minimum of {$4000.00} to disburse, so So need to purchase 2 more cards to make credit back to my XXXX XXXX {$4000.00} and I did follow and purchase 2 cards. ( I already had misgivings about this, it sounded too much of a scam. ) 9. EXHIBIT 3 is the email, {$4000.00}. can not be done but need to be {$5000.00} plus {$500.00} for my patience, but I need to purchase 2 more XXXX gift card for {$500.00} each. That was the last straw, I cease contact with Paypal or XXXX. mY XXXX LUCK, WAS BEING sCAMMED. 10. You are my last resort, my gut feeling, Iwas XXXX enough to get scammed, but if I was dealing with the real PAYPAL company, let this incident be a teaching moment for others. | ||||||
| 01/02/2019 | Yes |
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| I have an account with PayPal and on XX/XX/2018 my account was unlawfully and suddenly frozen after a phone call. I called PayPal on XX/XX/XXXX to ask why are they allowing a client to open up a dispute with false information over six times after PayPal had already ruled in my favor over six times and released the dispute holds. After this phone call one minute later they unlawfully froze my PayPal account. PayPal know that I am traveling because at every port I enter I call them to inform them of the country Im entering. PayPal has left me and XXXX babies which are XXXX, XXXX, and XXXX years old in an emergency situation we are on a 30 day tourist visa in a foreign country with no way to buy food to eat or get back home. The funds PayPal is holding is my only means to support my family and get back home its the only account I have with money in it. I have reached out to PayPal and they have not displayed or expressed any recompense or empathy to my circumstances. I do plan to do a press release to gain maximum attention and exposure for my situation as this has been a night mare. PayPal is causing me and kids to violate the rules in the country we are now in because we have no way out or no way to buy food. My kids are crying all day and so am I because for 8 years Ive been with PayPal and have never done anything fraudulent or wrong. I really really need help so bad because again me and my babies are stranded and I dont know much else to do but expose PayPal everywhere I can and definitely seek legal counsel If this matter is not resolved. I requested that PayPal hold only a {$1000.00} of my funds on hold instead of all my funds to credit against future disputes because my dispute winning rate with PayPal is over 98 % and this year alone it was at its lowest. Please help me with this I am desperate to feed my babies and not violate my 30 day tourist visa. | ||||||
| 08/24/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account XXXX. I believe this decision may have been made in error and I would like to appeal for a re-investigation of my case. First and foremost, I want to emphasize that I have always used my PayPal account in strict adherence to PayPal 's policies and guidelines. I have never been involved in any activity that would warrant such a limitation. Therefore, I am genuinely puzzled as to why my account has been restricted. I kindly request that PayPal takes another look at my account 's history and transaction records. I am confident that a thorough review will confirm my consistent compliance with PayPal 's policies. It is possible that an oversight or misunderstanding has led to this unfortunate situation. I understand the importance of maintaining a secure and trustworthy platform for all users. I fully support PayPal 's efforts in this regard. However, I firmly believe that my account has been unjustly limited. This limitation not only hampers my financial activities but also raises questions about the accuracy of PayPal 's account assessment processes. I kindly urge you to consider the impact of this limitation on my financial obligations and activities. If my account is found to have adhered to PayPal 's policies, I humbly request that you reinstate it at your earliest convenience. I genuinely value the services provided by PayPal and wish to continue using this platform for my online transactions. I believe in PayPal 's commitment to fairness and transparency, and I trust that this matter will be resolved appropriately. Thank you for taking the time to read and consider my appeal. I eagerly await your response and hope for a swift resolution of this issue. Sincerely, XXXX XXXX | ||||||
| 03/28/2022 | Yes |
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Web | Older American |
| On XXXX XXXX, I was hired to be a consultant for XXXXXXXX XXXX XXXXXXXX and XXXX XXXX, XXXX known as client. The client paid {$10000.00} upfront using the PayPal EFT platform. Halfway through the 10-week consultation, the client ceased use of my services and disputed his payment with PayPal. The client and I agreed to prorate a refund for {$4900.00}. The money was refunded to the client via PayPal. PayPal was advised of the settlement amount and supplied documentation of a mutual agreement between all parties involved. PayPal had supplied 26 documents from both the client and myself that the dispute had been mutually agreed on between myself and the client. Nevertheless, without warning, PayPal placed a hold for {$5000.00} paralyzing my checking account. More than an inconvenience, the hold has obstructed my ability to pay bills, receive incoming payments, and disabled the ability to pay employees. I spoke with two supervisors and countless representatives at PayPal, none of whom had any idea of a timeline for the {$5000.00} to be released back into my account. Moreover, and more recently {$2200.00} was paid to me via PayPal from an unassociated client which PayPal has taken due the account status. PayPals lackadaisical and unproductive information has obstructed monies owed to me totaling {$7200.00}, causing an irreversible and undue hardship. I am unable to pay vendors and employees currently. I am using credit cards to pay bills and will need to borrow money for XXXX rent. As I write to my elected officials, it is my hope, that PayPal the bureau continues to investigate and realize just how much power companies like PayPal have in consumers. My experience clearly shows a corporation acting as judge and jury without the capacity to do so. It is my hope the CFPB recognizes the power of newness in XXXX, and the bad actors exploiting these vulnerabilities. | ||||||
| 07/22/2021 | Yes |
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| On XXXX XXXX I made an online purchase of an appliance through XXXX XXXX and Kitchen appliance store. Due to Covid they were unable to get this appliance in stock so they issued a refund to me inXX/XX/XXXX. I had since then changed banks and closed my checking account down so they were supposed to send me a check but instead refunded the money to my closed account via PayPal since that is how I had paid for the item. PayPal then tried to refund the money to my closed XXXX checking account and it was automatically rejected and returned to PayPal on XXXX XXXX. The amount is for {$2600.00}. Both companies are now telling me that they do not have the money and there is nothing they can do for me beyond their original researching to tell me they sent it to the other party. I was provided a transaction ID from PayPal showing they sent the money to XXXX and XXXX said their system can not accept money on a closed account so they dont have a way to generate ID numbers on an action that wasnt taken. The money never reached my account and showing PayPal my bank statement hasnt been enough to prove them that XXXX isnt still holding on to the money. They will not investigate further till I have proof from XXXX that they do not have the money and XXXX is telling me they dont have any way to prove that. Neither company seems willing to go beyond the basic glance at my account before blaming the other party. On XX/XX/XXXX I initiated a conference call myself and had both companies on the phone and theyll by the end of the call XXXX was to do more research and see if they could prove they didnt have the money in a way that would make PayPal happy and PayPal will do nothing till they hear from them. I called XXXX again on XXXX and was told they could do nothing for me and to take it up with PayPal, who is also doing nothing to find this money. Im not sure what to do now. | ||||||
| 06/02/2021 | Yes |
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| PayPal closed my account for no reason and will not help me with getting it back up and going. All I do with my personal account is buying. There is no selling and I pay all of my bills on time. Now all my credit cards are declined from the paypal system for no apparent reason and explanation. I have couple paypal accounts. They were limited but now they have already been restored after I uploaded my documents. This is the account that is in ban under my infos which I believe is the cause why I am unable to use paypal services via my cards even after my limitation has been restored. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''. Wanted solution : Reinstate my account and uplift ban and declines for my credit cards. XXXX Credit XXXX Credit XXXX XXXX XXXX Credit XXXX Credit All these cards belong to me and my mom. None of them is stolen cards, and I have not had a single payment that's not paid off. I don't owe paypal any money nor would I have any chance to owe them any money because I am not a seller and I am not using their business account functions. I don't understand why paypal bans me from using my credit card when it isn't even a banking system. I am just trying to purchase as a consumer and I pay all my bills on time with absolutely no delay yet paypal bans me for no reasons and explaination. And I can't use my CC now on its platform no matter how many new paypal account I have recently made. I feel mistreated for being seen by this company as scam, dishonest, or high risk users. I don't know why they ban me. They never explain nor could their customer service team help me out. | ||||||
| 11/28/2015 | Yes |
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Web | Servicemember |
| This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you. | ||||||
| 03/07/2018 | Yes |
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Web | Servicemember |
| I sold a book on XXXX XX/XX/2018. The money went to a PayPal email that was not fully set up. The problem is with Paypal. I called once or twice that week and tried to set up my bank account with Paypal. The links didn't work and so I entered my bank information online about 5 times. None of the attempts saved the information to my profile. Some where around XX/XX/XXXX, when the funds were suppose to be available, I called a few more times for the funds to be released. After about 3 phone calls that week, the funds were released. I again tried to link my bank account, but again it wouldn't work. So I tried to send money to my other Paypal account. The rep snottily said that of course I can't send money to myself! You can't do that! So I gave up trying to get my {$41.00} until today. I again tried to link my bank account and send the money to myself. The customer service rep seemed to have issues understanding me and repeated back my problems as solutions. It was quite odd. She was not able to get my funds released. Her only suggestion was for her to enter my bank account number. At that point I had no confidence in her ability nor did I feel comfortable giving her my bank account number! She then walked me through a few circles and then was surprised that an option was not available for them to send me a check. That's all I want. I asked to talk to someone else because we were having problems communicating. Her supervisors name was XXXX. He had less customer service skills than the first rep. He also wanted my bank account number. I was so frustrated I said that maybe I should just take this to social media. His response was if that's you want to do, go right ahead. So I went to their XXXX page and there are many there with my complaint as well as worse complaints. I just want my money. {$41.00}. They are holding my money and won't send it to me. | ||||||
| 08/11/2020 | Yes |
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| This issue if directed to Paypal. On XX/XX/2020, I purchased services from XXXX XXXX for the amount of {$15.00} ( Transaction XXXX ). This purchase was for 1 Month ( 30 days ) of server hosting. On XX/XX/2020, all servers went offline. According to announcements in the official XXXX XXXX Discord ( messaging service ), the CEO went " missing '' and none of the server bills were paid. Over the next few hours/days the company 's remaining staff alerts everyone to cancel reoccurring billing and eventually sends off refunds. Before this happened, I had opened a claim with Paypal but once I heard the news that refunds were being sent out, the dispute was closed. It turns out that all the refunds were eventually rejected by Paypal for an unknown reason ( theories float from there being no money in the account to Paypal restricting their ability to refund wronged customers ). I then reach back out to Paypal who tells me to try to work it out with the company ( who is out of funds and who's CEO has run off ) to try to get a refund again. The company is no longer issuing refunds as the remaining staff has done all they can. I CAN NOT get a refund from this company, everything that could be done from their end has been done. ( SEE SCREENSHOTS ). Paypal continues telling me to work with the company, I tell them that I can not. I tell them that the company does not have any way to come to a resolution and they then tell me to work with my credit card/bank. That would be great BUT the purchase was used with Paypal funds. I can not go to a bank or credit card company and file a dispute because Paypal funds were used. They are my last resort and all they wish to do is push me from rep to rep without a solution. They continuously cite that their system won't allow them to help me even though I've very possibly been scammed of my money. ( SCREENSHOTS INCLUDED ). | ||||||
| 03/20/2017 | Yes |
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Web | Older American |
| I wanted to sell a few things on Ebay. Ebay instructs sellers to create a Paypal account in order to sell on its website. Ebay collects the sales price and then disburses the proceeds, after deduction of Ebay 's fees, to the seller 's Paypal account. I therefore applied for a Paypal seller 's account so that net sales proceeds could be paid to Paypal. Paypal requested and I supplied my bank account information and a credit card. They also demanded documentation of identify. I uploaded a copy of my driver 's license. The bank account was verified and the credit card was approved. I received an email message from Paypal that I was " verified. '' A few hours later I received an email demanding that I supply a copy of my credit card statement and my bank account statement. This demand is what I find to be overreaching. The credit card statement reveals my credit limits and other personal information. My bank account statement reveals my deposits, payments, to whom these payments are made, and other private information. I do not wish to reveal this information. It is too intrusive just for the ability to sell a few things on Ebay. To have this personal information become part of the business records of Paypal to do with it as they please is concerning to me. And no entity appears to be immune from hacking. These statements in the hands of hackers could cause me identity theft problems and could open the possibility of my bank account being accessed and my credit card impacted. Additionally, I have separate buyer 's account at both Ebay and Paypal. The Paypal buyers account has been in use for about 10 years without any misbehavior by me so that these additional requirements seem to be overreaching and designed to obtain unrestricted access to my accounts. It also creates privacy and overreaching concerns. There is no legitimate reason for these requirements. | ||||||
| 07/04/2023 | Yes |
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| Someone hacked my PayPal account and over a period of several months beginning in XXXX of 2023, fraudulently transferred money from my PayPal account to a bank account at XXXX XXXX XXXX Bank that was not mine. There were XXXX transactions totaling over {$1000.00}, of which the last XXXX or so apparently did not go through for reasons that I do not know. I then received an email on XX/XX/XXXX that the bank account was removed from my PayPal account due to the transactions not going through. This was the first email notification I received from PayPal regarding these transfers during this entire time period as I had received no notification of the account being attached or the money being transferred. On XX/XX/XXXX I called PayPal customer service regarding the unauthorized transactions. The first person I spoke with flagged them and opened a dispute for me. The dispute, however, was closed within an hour and I received an email stating that the transactions were not unauthorized and therefore there was nothing PayPal needed to do. This is absolutely untrue, I have never had a bank account at that bank, nor did I ever authorize a single transaction to that account or receive any notification of them even happening. I immediately called customer service again and this time the person I spoke with insisted that this was not their fault, and they had no responsibility, and that I should call the bank, despite my insistence that the bank would not help me given that I did not even have the account number. I called a third time and spoke with someone named XXXX who said he would appeal the dispute and activate fraud protection, but I have seen no evidence that any action has been taken. The remaining XXXX transactions totaled to {$930.00} and PayPal is refusing to help me to recover this money that was stolen from my account due to their negligence. | ||||||
| 08/28/2021 | Yes |
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| On XXXX my XXXX month old daughter accidentally, while watching XXXX XXXX on the XXXX, sent someone {$9200.00} via paypal. although paypal has two factor authentication on its app, it does not actually require any information in the form of face or finger recognition or a password to access the app. Paypal first claimed that the money was sent from my phone and was therefore a valid transfer regardless of the circumstances surrounding the transfer. they then suggested we file with them an " item not received claim '' which would resolve in our favor after the recipient of the money was unable to provide shipping information. although being told this claim would resolve automatically in our favor on two occasions, since that time paypal has refused to unfreeze this money and tried to draw this money from our checking account claiming alternately that there is a " Grey area '' surrounding our case because we have suggested it is both unauthorized transfer of funds and item not received, ( although paypal created the claim and changed the nature of the claim for us based on information we provided over the phone ) and that we need to provide paypal with proof of purchase of an item or a description of the item, even though they know we can not provide proof of purchase as paypal knows there was no purchase. further the recipient of the money has continually tried to return the money via paypal and paypal rejects the return of the money as hindering its investigation, rather than accepting the return of money as further proof that this money was not intended for this person. paypal, not even the unintended recipient of this money, is now in possession of almost {$9300.00} dollars which it inexplicably refuses to return to me under the guise of various investigations, all the while promising the return of the money if we would simply wait a few more days. | ||||||
| 05/19/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021 I Received a notice via email from the Federal Trade Commission that I am to receive a refund of {$38.00} from a Class Action Lawsuit against XXXX XXXX. The payment was to be made by check or through PayPal. Since I had been a member of PayPal for about three years and had used the app without any problems in the past I chose to receive the funds through Pay Pal. On XX/XX/XXXX when the funds were released to be paid, I contacted PayPal to receive my funds. The request was accepted at first, and then later denied. I contacted PayPal Customer Service via telephone. I spoke to a representative who made a update to my account telephone number. I was then forwarded to another rep, but there was so much static and noise on the line and his accent was so thick I could not understand anything he was saying. I stated that I could not understand him and will call back. When I did call back I got a different rep and the line was clear. He told me that he could not tell why I could not receive my funds. After the phone call he sent me an email that stated I had to get a court ordered subpoena, or hire a lawyer to access my account information. I later received emails stating that I can no longer do business with PayPal, and that they will hold my funds for 180 days without explanation. After the 180 day period of time I should receive an email explaining what I need to do to get my funds. Their policy states that funds not picked up in 30 days will no longer be available. To add insult to injury, out of the {$38.00} there is only {$38.00} available now because they are charging transaction fees for transactions that never took place. PayPal will provide no information on my account, or why they are taking the steps they are taking to deny any information. I believe that the policies of PayPal are unfair to customers and ask that they be investigated. | ||||||
| 02/28/2021 | Yes |
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| I tried removing cards from XXXX and paypal prior to them being charged and they refuse. There were unexpected errors on the account when i tried to sell and cancel the listings. Because XXXX and paypal do not provide phone support when calling to challenge these errors. It refers me to online. Online it is saying error, when accessing the account for the past month or so. I can not actively dispute fraudalent XXXX transaction and sellers fees because of such. This is a unique issue but yet another request as well to not charge my account and to actually provide phone support. It is my opinion XXXX, paypal have passed judgement on me unjustly bc of this glitch and intentionally frauded my account by not allowing me to respond to time sensative cases. Resulting in loss of monies and unjust obstruction both civil and criminal offenses as a servicer. Please assist and do not allow ebay or paypal to continue to rob and smear me bc of lack of required support. ( 1 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$28.00} USD ( 2 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$280.00} USD Please do not charge the above or anything else to the account as repeatedly requested. Also remove them from the file. Provide a written response to all the concerns and a supervisors phone number to discuss with going fwd if error are made. Please provide a refund of anything above if already charged. Please provide clear phone support and allow me to address, reopen the other disputes as explained i was denied this bc of a technial glitch and niether company offering phone support bc of covid19. Shame on you both, I am a shareholder as well in these companies. Please remedy the above incrued fees asap and refund if they were charged bc of the fraudalent servicing as explained. | ||||||
| 08/24/2023 | Yes |
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| To the PayPal Appeals Team, I hope this message finds you well. I am writing to address a recent development regarding my PayPal account, which has been permanently limited. I believe that this limitation might have been the result of an unfortunate misunderstanding or error. I would like to appeal this decision and kindly request a re-investigation of my case. I would like to emphasize that, to the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have not engaged in any activities that could violate these terms. The limitation on my account has come as a surprise and I am deeply concerned about the implications it holds for my financial transactions. Given the circumstances, I am kindly requesting PayPal to conduct a thorough review of my account 's history and the factors that led to its permanent limitation. If any irregularities or concerns are identified, I am committed to addressing them promptly and effectively to ensure the integrity of my account. The email address associated with my PayPal account is XXXX. I urge PayPal to consider my track record as a responsible user of your platform. I value the services PayPal provides and have always used them judiciously. I understand that maintaining a secure and trustworthy ecosystem is of paramount importance to PayPal. I share these values and am genuinely invested in resolving any issues that have led to my account 's current status. I kindly request PayPal 's understanding and assistance in re-evaluating my case and potentially restoring my account to its full functionality. I appreciate your time and attention to this matter. I eagerly await a positive resolution to this situation. Please feel free to reach out to me at XXXX for any further information or clarification you might require. Thank you for your consideration. Sincerely, XXXX XXXX | ||||||
| 11/10/2022 | Yes |
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Web | Older American |
| AtXXXX XXXX Wednesday XXXX XXXX texting with ( XXXX ) XXXX ( sms/mms ). Yesterday I got a text message on my phone ( XXXX XXXX saying that I sent a payment to XXXX XXXX from PayPal Amount:XXXX XXXX reference ID : XXXX if not me? XXXX to dispute. So I called, some XXXX answered and the put over to his supervisor XXXX XXXX another XXXX voice. He told me they would have to go to my PayPal account, but I have a hard time with computers and phones so he directed me to my XXXX XXXX account. He told me to touch them clock symbol so I did then to touch home symbol then the add cash then go to my profile then to my debit card. Then I xed out of that page and went to then touch the XXXX dots I did then punch in XXXX and hit add cash and to confirm it. I did this a number of times with different amounts XXXX. All those amounts failed except XXXX this money went to some person called XXXX XXXX. So that person has XXXX of my money. $ XXXX. Then I said wait a minute you just took my money, he kept saying that I would get it back. Now he tells me to go to XXXX, XXXX or anywhere that I could get a XXXX gift card from XXXX or XXXX, or XXXX. He said to purchase it and give him the numbers. I didn't do it cause I don't have that kind of money and don't want to lose another XXXX. I'm on XXXX retirement He said I would get it all back. I was thinking XXXX no. He kept saying it was for security reasons. Is all of this sounding liget to you. It doesn't to me. Please get my XXXX ASAP. This person sent me a E mail saying he works at Consumer Financial Protection Bereau.Said he's liget I still don't believe it. As nd gave me a ref : XXXX reason has been given due to Identity theft as per PayPal XXXX. Signed XXXX XXXX Consumer Financial Protection Bereau. If this is legit please let me know. Cause doesn't sound like it to me. Thank you, XXXX XXXX XXXX E mail is XXXX XXXX | ||||||
| 12/22/2021 | Yes |
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| Hello, My name is XXXX XXXX and I am the owner of XXXX PayPal account. My phone no. is : XXXX Ive been notified about this case about a couple of unauthorized transactions, ( Case ID : XXXX ) and ( XXXX ) and that my response is needed. ( Seller response ) First I would like to say that it was no sale in this case. I I am referring to : Transaction ID XX/XX/XXXX, 1. money receive at XXXX pm XXXX {$90.00} 2. Money send at XXXX pm XXXX - {$90.00} XX/XX/XXXX XXXX. Money receive at XXXX pm XXXX XXXX {$100.00} 2. Money send at XXXX pm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in their XXXX 's, are our friends and XXXX XXXX XXXX is there son and he is on his XXXX 's. Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX to upload their cards on Paypal and use them at will. On XX/XX/XXXX and XX/XX/XXXX as you can see, The money that XXXX send me, on both occasions were returned, PAID BACK in under a minute. On both ocasions, he said that the transaction was done by mistake and he request his money back. I would like to mention that XXXX XXXX XXXX does not have a credit card on his name and he actually send the money from his fathers and mother 's credit cards since they share the same name. Soon after he did multiple charges on his parents credit cards ( I don, t understand how Paypal aloud him to use somebody else 's credit cards on his own Paypal ), he got the cash from the people he scam than his parents denied all charges to credit to the credit companies and got their money back totaling over {$30000.00} and me as the victim I am being harrased by Paypal who is forcing me to cover those illegal transaction taking the side of the scamers even after multiple complains has been filed with XXXX XXXX XXXX police, Consumer Financial Protection Bureau, He Did the same thing to my stepson. XXXX XXXX XXXX. Please let me know if I can help with anything else. | ||||||
| 03/07/2021 | Yes |
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| Paypal has limited my account for 180 days without any good reason holding all my money frozen. After the period they still refuse to send my money. Paypal first limited my account saying that they need more infos to verify my account, I have sent all the infos to them including tracking numbers of all orders. After their review they decided to limit my account for 180 days holding all my money ( which is around XXXX British pounds! ) I couldn't neither accept or withdraw my money from my account, basically they have broken my business I have long worked for! I have tried to contact them many times regarding this issue but their robotic answer is always the same. I had advertising money that I needed to pay plus my supplier invoices to pay, once they froze my account, I couldn't continue running my business and even I had to borrow money from family/friends to pay my bills! The problem doesn't end here! 180 days have already passed and I got a message from them saying that they let me withdraw XXXX pounds from my Paypal account and they will still held the remaining amount for some time. I have tried to withdraw my XXXX pounds but they wouldn't let me! At first I thought there was some problem with my bank account, so I have tried to add my credit card and my other bank account but they wouldn't let me! After waiting all this time and they still refuse to let me add my bank account in order to withdraw my money!! This is clearly a scam! I have tried again to contact their support in order just to let me add my bank account but again they reply with a standard robotic message saying that the decision of limiting my account is final. Nothing related to what I sent which is basically the problem I am getting when I try to add my bank account! They not only shut down my business but after all this time they still refuse to let go of my hard earned money! | ||||||
| 11/17/2020 | Yes |
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| I had a dispute with a business owner of XXXX XXXX XXXX, Venmo user @ XXXX, over goods sold on Venmo 's XXXX feature that were not as described. I filed a chargeback, Claim # XXXX, with XXXX XXXX and Venmo accepted the disputed amount on XX/XX/XXXX for {$3200.00} from three transactions that were disputed with @ XXXX. I received an Email from Venmo on XX/XX/XXXX stating that I owed {$3200.00} for a negative balance on my Venmo account, the reason being that my bank would not cover it, specifically that it was " Returned at XXXX XXXX 's request ''. I reached out on XX/XX/XXXX to Venmo customer service explaining that XXXX XXXX is not my bank and that the information in the E-mail is incorrect since the {$3200.00} was disputed not returned, and that Venmo did not deny the chargeback from XXXX XXXX. I received a response from XXXX XXXX on XX/XX/XXXX that reiterated Venmo 's terms and conditions and said they could not do anything about the disputed amount, I would need to pay it to unfreeze my account. I received another e-mail from Venmo collections threatening to collect a debt for {$3200.00} on XX/XX/XXXX. My complaint is that Venmo user @ XXXX is equally responsible for the disputed amount for repeatedly violating Venmo 's terms, and that Venmo is not doing enough to prevent merchants from abusing payers through their platform. On the venmo site, it states that " If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo. '' However, based on my interactions with Venmo, money transfers are not being reversed while full responsibility is being placed on the payer, despite the payee 's equal involvement with the disputed amount. | ||||||
| 08/24/2023 | Yes |
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| To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has occurred due to a misunderstanding or an unfortunate error, as I have always strived to adhere to PayPal 's policies and guidelines since the inception of my account. I want to emphasize that I have not engaged in any activities that would violate PayPal 's terms of use or policies. The services provided by PayPal have been an integral part of my financial transactions, and I have always maintained utmost transparency in my dealings. This unexpected limitation has left me puzzled and distressed, as it goes against my track record of responsible and ethical account usage. I kindly request PayPal to initiate a comprehensive review of my case. I am confident that a closer examination will confirm my consistent compliance with PayPal 's regulations. It is my sincere hope that this appeal will lead to the restoration of my account 's full functionality. I understand the necessity of maintaining a secure and trustworthy platform for all users. I am committed to working closely with PayPal to address any concerns or issues that may have led to this regrettable situation. I genuinely value the convenience and security that PayPal offers, and I am eager to continue benefiting from its services. In conclusion, I respectfully ask for the opportunity to re-establish the trust that my account has previously maintained. I believe in PayPal 's commitment to fairness and justice, and I am confident that a re-evaluation of my case will demonstrate my dedication to upholding PayPal 's values. Thank you for your time and consideration. I eagerly await your response and the possibility of having my PayPal account reinstated. Sincerely, XXXX XXXX | ||||||
| 08/10/2020 | Yes |
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| I have an account with Paypal and the email address for the account is XXXX On XX/XX/2020, I was surprised that the company took an amount of {$1100.00} from my account, claiming that this amount was due to the damages I suffered from my violation of the use agreement, while there was no dispute between me and anyone who transferred money to my benefit.But Paypal seized the money claiming that I violated the usage agreement while he did not raise any dispute that was adjudicated against me until it is proven that I violated the usage agreement. PayPal will claim that my account follows the PayPal Pte facility. Ltd. is the owner of the stored value facility PayPal, and does not require approval from the XXXX XXXX XXXX XXXX. It is affiliated with Singaporean law and is not affiliated with PayPal, which is based in XXXX. This is very misleading and Paypal uses it for XXXX reasons : First : Paypal did not obtain a permit from the XXXX XXXX XXXX to operate and a screenshot attached to a letter from the XXXX XXXX XXXX XXXX stating that PayPal is not registered with them. Second : The main PayPal site, which we deal with and through which the funds were taken, is owned by Paypal, which is based in XXXX, in the state of California - and it is known that the headquarters of Paypal in the state of California, and then PayPal site is a partner in the process of seizing money Therefore, PayPal does not have a permit or is registered in XXXX according to the Singaporean Monetary Law, and what PayPal publishes on its official website is misleading for clients that legal action must be taken against it. Second : The PayPal website, which is the interface for dealing with clients, belongs to Paypal, whose headquarters are in XXXX, and is therefore subject to XXXX law The XXXX XXXX XXXX must stand up for PayPal for wrongdoing what it does against customers. | ||||||
| 02/16/2023 | Yes |
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| I am a XXXX XXXX XXXX recently retired XXXX I have been a XXXX year member of PayPal with zero issues. Recently I sold an item to a stranger for XXXX XXXX. I had never met this person. I don't have anything to do with him other than this transaction. I sent the item to the person and he wasn't happy. He alleged all this damage to the item that was not there when shipped. I asked him to send me photos of this damage. He never did. I told him that unless he did the sale was final. Next thing I know, he has reported the entire transaction as fraud. My PayPal account is frozen AND on XX/XX/XXXX PayPal cleared out my entire balance ( XXXX ) and said I owe them ( XXXX ). Despite multiple efforts with PayPal 's resolution center I have received no help. Calling them is useless. I get worthless " Sorry! '' and " We can't do anything about this ''. PayPal acts passive when they receive BILLIONS from these transactions. This guy alleges his credit card, his phone number, his email all have been hacked to do what? Steal XXXX from him? Doesn't that seem like a LOT of effort for almost nothing? Really? Also, see this email. He says PayPal gave them my contact information. Is that true? That seems like XXXX too. He got my email from PayPal? PayPal wont give me ANY information about this guy, but they give HIM all my contact information. Regardless of whether his fraud complaint is legit or not. I HAD NOTHING TO DO WITH IT. I have been RIPPED OFF my account balance by PayPal for something I had NOTHING to do with. I AM THE VICTIM HERE and PayPal has treated me as a criminal. They have not used their brain to ask themself how I somehow played ANY part in what went wrong here. I sent them copies of the emails where this guy tried to get me to refund his money. You'd think that anyone with half a brain would have realize I AM THE ONE BEING SCAMMED. | ||||||
| 02/03/2021 | Yes |
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| I sold multiple items on eBay and ebay uses PayPal for sales transaction. XXXX has already made some funds from the sales eligible for withdrawal. However, PayPal asked held up all of the funds from the sales and is refusing to release any of them despite my calling their customer service. I have uploaded my government ID ( driver 's license ) and the receipts for the goods I purchased to put on sale on XXXX as they requested on XX/XX/2021. Per my conversation with their online agents which I have copies of stated that their team will get back to me in 3-5 business days once the documents/information has been provided. Today marks the 4th business day and I call the customer service manager who told me they will not review the matter until this coming Thursday on XX/XX/2021, which is past the 3-5 business day mark. And the worst part is that the customer service manager told me that on XX/XX/2021, they will then make determination whether to withhold the funds for an even longer period of time. They are withholding about {$7500.00}, which is not an insignificant amount, for no clear reasons. All of the sales I have made on eBay are legitimate and verified by eBay. But PayPal is withholding my sales funds from verified sales. I read through their policy for withholding funds here ( https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full? locale.x=en_US # restricted-activities ) and I did not violate any of the published guidelines. This act of withholding without clear reason/violation is malicious and needs to be investigated/intervened. For example, PayPal 's own electronic system with attached transaction IDs and payment total stated that the funds would be available to me. But in fact, when I log into PayPal to try to make use of the funds, it is not available to me. I can provide more examples of this if need be. Please let me know. | ||||||
| 10/06/2023 | Yes |
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Web | Servicemember |
| I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam. | ||||||
| 09/03/2021 | Yes |
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| I had made a reservation with a resort in XXXX called XXXX XXXX on XX/XX/XXXX in the amount of {$1100.00}. I made the payment through PayPal. XXXX XXXX had a cancellation policy promising a full refund if somebody needed to cancel because we were in the middle of a pandemic. I had to cancel my reservation due to travel restrictions and a XXXX emergency. XXXX XXXX sent me a cancellation confirmation email promising to issue me a full refund which I never received. I filed a dispute with PayPal on XX/XX/2021 and after their investigation they told me the reason they were denying my dispute was because it was my banks responsibility not theirs. So I contacted my bank ( XXXX XXXX XXXX ) and filed a claim with them and after their investigation they said no, it was PayPals responsibility to handle the dispute not theirs because the payment went through PayPal so my bank denied the claim. So I contacted the resort multiple times over the last couple months and they did not respond. I contacted PayPal again today and told them the situation, and they said I was outside of the 180 day dispute window even though I disputed the transaction 30 days after the transaction was made. ( Well within the 180 day dispute window ) The customer service representative I spoke to today said after reviewing the dispute the reason it was denied was because it was filed under the wrong category of merchandise not received not a refund not received. I was never told that originally when my dispute was denied months ago, I was told it was denied because it wasnt their responsibility it was my banks. So because of their mishandling of my dispute and giving me misinformation, not processing my dispute properly, and refusing to allow me to appeal after it was denied I am outside of my 180 day dispute window and they are saying theres nothing they can do to get my money back. | ||||||
| 08/14/2019 | Yes |
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| On XX/XX/XXXX I filled out an application for an apartment on XXXX that is located in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The supposed property owner XXXX XXXX had stated he will be traveling and could mail the keys to me. As I am currently in XXXX and will be moving XX/XX/XXXX to XXXX. He asked that I send $XXXX to his partners Venmo Account XXXX XXXX venmo name XXXX OnXX/XX/XXXX at XXXX XXXX. I sent $XXXX. The venmo app said the payment was incomplete so I sent another payment of $XXXX at XXXX XXXX( 2 minutes after the first payment) Both payments went through and the second one was my mistake. User XXXX XXXX XXXX is stating he has not received either payment and it has been drafted from my federal credit union account on Monday XX/XX/XXXX I even called Venmo and an agent has stated the payments have gone through to a bank account ending in XXXX, however XXXX keeps telling me to contact Venmo, saying XXXX XXXX account is frozen. That he has not yet been able to have access to the funds.I have been sending a request to XXXX XXXX from the venmo app for him to send back the money but the app says to contact him, stating the transaction could not be completed. I have been asking Venmo to look into this for me and I would like my $XXXX dollars back from the double payment. It is clear that I sent the extra payment by mistake and that something is wrong with this persons account. Due to the lack of accountability on Venmo's behalf I would like a full refund of $XXXX. If there is something wrong with his account per the Venmo agent I spoke to on Monday XX/XX/XXXX at XXXX XXXX She stated if you can not call the money back on the app then there is something wrong with this users account. I have multiple screen shoots of conversations with XXXX XXXX XXXX that will be attached as well. I can provide the phone number of XXXX XXXX if needed. | ||||||
| 01/12/2022 | Yes |
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| I contacted PayPal about my issue. They denied my claim within two hours of the claim being submitted. My account is now in a negative balance and I have bills to pay. They wont refund me for the unauthorized transactions and say that the transactions seem like usual activity. I have two accounts opened with PayPal and I also was part of a data leak a couple of months back where my information and accounts got leaked. Today Im complaining to PayPal about unauthorized transactions. Which my claim was denied almost instantly. My accounts were used simultaneously to send and withdrawal money. Let me add that my wallet and social security was stolen a few months back. Ive never had issues with PayPal before and Ive been a customer for over 10 years. What is disappointing is that PayPal constantly seems to side with scammers and I am not the only individual or consumer a part of PayPal that has had this issue. Ive read thousands of messages where PayPal sided with a scammer or fraudulent individual and made the actual account holder the issue. There are a few transactions that I complain about. They are as follows ; {$1800.00} {$1200.00} {$760.00} {$500.00} {$1500.00} {$1500.00} {$1000.00} {$990.00} Tbh I dont even seem to understand why I was instantly denied. Every time I try to get help I get the same answer every other individual gets. This is usual activity. Please help me, because I have bills to pay. XXXX cant be held responsible for something that I had no doing in. The emails associated with the accounts are : XXXX XXXX These two accounts were used together to send and withdrawal money from my accounts. Ive attached much of what info I can find. I cant provide a card number since multiple cards were added and deleted from my XXXX credit card to PayPal. XXXX credit card features allow a new card number to be generated multiple times. | ||||||
| 12/26/2016 | Yes |
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| On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers? | ||||||
| 08/30/2023 | Yes |
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| I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account ( XXXX ). I believe there has been a misunderstanding or an error in this matter. Firstly, I would like to express my genuine surprise and concern regarding the account limitation. To my knowledge, I have always abided by PayPal 's policies and guidelines. I have not engaged in any activities that could potentially violate the terms of use. Therefore, I am led to believe that this limitation might have been placed due to an inadvertent mistake. I kindly request that you review my account activity thoroughly. I am confident that upon re-evaluation, you will find no breach of PayPal 's policies from my end. It is of utmost importance to me that my account be reinstated, allowing me to resume my transactions without disruption. I understand that PayPal has stringent security measures in place, and I truly appreciate those efforts to ensure a safe online environment for all users. However, in this particular instance, I am convinced that an error has occurred. I kindly ask that you conduct a comprehensive review of my account and its recent activities to rectify this matter. I rely on my PayPal account for various essential transactions, both personal and professional, and the current limitation has caused me significant inconvenience. I earnestly appeal to your sense of fairness and justice to re-investigate this case and, if deemed appropriate, lift the limitation on my account. I genuinely value the services that PayPal provides, and I hope to continue using them with the same level of trust and satisfaction that I have experienced so far. Your prompt attention to this matter is greatly appreciated. Thank you for your time and consideration. I look forward to a positive resolution of this issue. | ||||||
| 07/29/2023 | Yes |
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| I hope this message finds you well. I am writing to submit an appeal regarding the permanent limitation that has been placed on my PayPal account ( XXXX ). I firmly believe that this limitation was a result of a mistake and I would like to present my case for re-evaluation. Firstly, I want to emphasize that I have always been a responsible and law-abiding PayPal user. To the best of my knowledge, I have not violated any of PayPal 's policies or engaged in any activities that could warrant such a severe action. I have been using PayPal for a considerable period, conducting legitimate transactions without any previous issues or complaints. I am kindly requesting PayPal to thoroughly re-investigate my account and the reasons behind this permanent limitation. It is my sincere belief that there has been an error or misunderstanding, which has led to this unfortunate situation. I genuinely value the services provided by PayPal and the convenience it offers, both to me and countless other users. Hence, I earnestly hope that the issue can be resolved, and my account can be reinstated as soon as possible. I understand that PayPal must take measures to ensure the security and integrity of the platform for all users. However, I humbly request a second look at my case, and I am willing to provide any necessary information or documentation that may aid in the review process. I truly value the trust and confidence that PayPal places in its users, and I assure you that restoring my account will not be in vain. In conclusion, I kindly appeal to PayPal to re-evaluate my account 's limitation and reinstate it if possible. I believe in the fairness and professionalism of PayPal 's support team and have faith that my case will receive the attention it deserves. Thank you for taking the time to review my appeal. I look forward to your positive response. | ||||||
| 02/02/2022 | Yes |
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Web | Older American |
| I bought what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX to do to associate the tracking which I used to the return label tracking which they had sent. XXXX has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back. | ||||||
| 10/21/2022 | Yes |
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| The company in question is PayPal. I have been trying to resolve this issue for many months, so now I am forced to request your assistance. I run a business where I am paid AFTER I render services ( financial counseling for mortgage holders who are facing foreclosure. ) My clients are individuals who are facing foreclosure and are having a difficult time dealing with their lenders and navigating through the loss mitigation process. I educate, counsel, and assist them in navigating the loss mitigation process through the successful completion of their process, which results in them being able to save their homes. When XXXX invoice my clients, they are happy to pay me for my experience and expertise, and are grateful to pay me for the time I invested ( in advance ) to help them. I have NEVER received a complaint or request for a refund from any of my clients, nor has PayPal. Again, I get paid for services rendered. Yet PayPal has decided to close my account, and hold XXXX the funds that are currently in my account in the amount of {$1700.00}. According to them, they have the right to hold my funds for 6 months! I have requested an explanation for them closing my account, and limiting me from accessing my funds, and their response is that my business is considered high risk. Once again, I am paid for services rendered. I am frustrated, and refuse to believe that this is legal. I usually lend money short term to real estate investors who pay me at 20 % return on my funds and PayPal is holding money that I could be lending. That means that I am losing $ XXXX on the money that PayPal is holding for the next six months resulting in a {$2000.00} loss. Meanwhile, not only are they holding my funds, but also they are likely utilizing my money to gain interest plus the fees that they have already charged me when the funds were paid via their service. | ||||||
| 03/18/2022 | Yes |
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Web | Servicemember |
| I am running for XXXX XXXX. I use the open source software called XXXX to collect federally required donor data- and to manage my communications with my donors. I have used this software since before XXXX and had the same account with Paypal to process donations and the process works flawlessly, reporting the donation, referring to paypal as the trusted processor- giving the donor the choice of using their own paypal account or a XXXX or Debit card, transferring the donation amount to the paypal portal- then cycling back to the software about the transaction completion- including the fee amount. Paypal then has the money- and IS HOLDING IT- saying I don't have a reputation as seller of goods and service with proper shipping etc- I told them, I've had the account since XXXX and have used it everytime I've run for both local and federal office- and it's always released funds. They are illegally holding my funds- and stopping me from fundraising or campaigning. They claim their fraud protection AI is the cause- and they can't fix it. In the meantime- I believe they are illegally withholding political donations. I've trusted Paypal for a long time as a good payment processor- I will no longer recommend them to any of my clients ( I run an ad agency that builds websites for small businesses ). Currently, they are holding {$340.00} XXXX collected {$1000.00} without even trying- and they allowed me to transfer out {$800.00} I've delayed sending out a fundraising solicitation for XXXX weeks while I've been given erroneous information from their tech support people on how I have to somehow use their portal- or change my donation page to them exclusively. Neither of which is true. Their support sucks. And, according to their records my account is properly labeled as a political campaign - even though I can't find that info in their portal. | ||||||
| 01/18/2017 | Yes |
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| On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so. | ||||||
| 03/27/2023 | Yes |
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| In XX/XX/2022, I contacted a person by the name of XXXX XXXX on an app called XXXX about purchasing a XXXX Puffer Jacket. We moved our conversation to XXXX, where he sent me photos of the jacket and told me his email address. I paid him XXXX euros + XXXX euros for shipping. Two or three weeks later, I go to the post office to pick up the package. As soon as I picked up the package, I could tell there was not a puffer jacket in it. It weighed about 5 ounces. I opened the box and there was a wool liner shirt in the box. I contacted the seller on XXXX, and after about 6 messages he blocked me. I immediately filed a claim with Paypal. I thought it would be a simple case -- I had clear and convincing evidence that this person scammed me. I submitted all of my evidence to Paypal, and I paid {$20.00} to ship the wool shirt back to the exact address it was sent from. However, I did not take a picture of the return label -- because the clerk at XXXX typed in the address and affixed the label herself. Paypal ultimately denied my claim, despite the fact that I provided a tracking number, because I didn't show the address that I shipped the item to. They explained that the BUYER PROTECTION program is also meant to protect sellers who " accidentally ship the wrong item '' and would be harmed if the purchaser falsely shipped the item back -- which is completely logical... IF THE SELLER ACTUALLY SENT THE ITEM BY MISTAKE. But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond apparent that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately investigate fraud on their platform, which they failed to do here. Paypal 's employees were extremely negligent in investigating this fraud claim and I've been harmed as a result. | ||||||
| 08/08/2021 | Yes |
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| I complained that PAYPAL company illegally misappropriated user refunds and refused to return the original payment bank account! I received a prepayment refund of {$520.00} from XXXX on XX/XX/2021, transaction number : XXXX. After PayPal received the refund, it did not return my money to my original payment bank account, and sent a misleading email telling me that I received the refund from XXXX, but it was not very clear at the end that the refund did not arrive. Account. I did not find the bank account information until 3 days later, and entered the PAYPAL account to find that the money was still in the PAYPAL account and was illegally embezzled {$15.00} by PAYPAL. I immediately communicated through the PAYPAL website, but PAYPAL 's customer service found various excuses to refuse to refund my payment and part of the misappropriated money. When I pointed out that the reason for the misappropriation of the customers money and non-refundable was unfounded, the customer service said that the manager XXXX would reply to me. I gave 5 days to process it. XXXX only replied after 3 days that she would refund me {$15.00}, but still Refusal to refund to my original bank account. After I insisted that I had to refund {$520.00} to my original bank account, and told her that I needed to use this money to pay for the living expenses of my family, XXXX ignored my request and did not refund the illegally embezzled {$15.00}. As an international company, PayPal takes advantage of XXXX peoples inability to speak out through international social media, and it is shameful to use this blatant illegal and criminal behavior to infringe on the interests of XXXX users. It also disobeys the United States values of integrity. I hope you can help me. To preside over justice and severely punish PayPal, I will also request public support through social media. | ||||||
| 05/18/2017 | Yes |
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| I started doing business with PayPal in XXXX of XXXX . At that time my credit score w as around XXXX . Because I did a lot of business I was put on a 21 - day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my XXXX store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with XXXX ''. During that time, due to funds being on my credit cards, my credit score took a temporary dip to XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on XXXX XXXX , PayPal checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal is currently sitting on {$5800.00} and I 'm only 2/3rds t hrough the first round of reserves. My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and XXXX kids, the money that PayPal is sitting on could pay off the loan of one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal since XXXX XXXX , XXXX . When I ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior. | ||||||
| 05/02/2021 | Yes |
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| In XX/XX/2020 PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. Finally I decided to wait the 180 days for get my money but in this circumstances PayPal still keep my money for more than 270 days. my account doesn't have any dispute or chargeback after XXXX why they don't want gave me my money. i hope PayPal don't act like scammer company. my email is XXXX. | ||||||
| 06/12/2015 | Yes |
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| In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization. | ||||||
| 04/24/2020 | Yes |
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| Dear XXXX, Thank you for your email. Naturally, you have the right to cancel your tour with no charges up until XXXX XXXX. However, I would like to point out a few things : 1. Coronavirus is not Ebola or anything similar. As a matter of fact, the mortality rate is roughly that of seasonal XXXX ( flu ) : https : XXXX. You would probably agree that if we were to cancel all our tours because of flu danger, we'd run out of business very fast. 2. So far, there has been no official case registered in XXXX. 3. If you decide to go ahead with the cancelation, you may understand that we may not accept your booking at a future date. You and me we've gone through quite a few emails before putting all this together. My colleague XXXX had a VERY HARD time securing your accommodation and activities. I will most probably not be willing to take the same chances again. In the unlikely eventuality that country travel restrictions will be put into place between XXXX XXXX and XXXX XXXX, I promise you we will keep your deposit and rebook your tour at the dates of your choice in the future. Look forward to hearing from you. XXXX XXXX XXXX - XXXX. Untold. XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX XXXX XXXX {$100.00} paypal fee, called agent at paypal and told them it was A refund, agent told me to refund back to seller and have them " Refund me the money '' I did that on XX/XX/XXXX. seller contacted me and said he didn't have the means to refund me, only send it back. I called paypal agent again and they told me to have the seller call paypal. I contacted seller via email to have the seller call paypal. I have not received XXXX XXXX so I put a claim in with my XXXX XXXX charge card. response from XXXX card with sellers explanation that he tried and couldn't refund and claim has been denied by XXXX cards | ||||||
| 01/21/2023 | Yes |
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Web | Servicemember |
| I received a notification from PayPal that the suspected fraudulent activity on my PayPal line of credit. I check the notice and responded that I did not make the purchase of XXXX dollars and I followed their steps to secure my account. Once I logged into my PayPal again I saw that the same person had also made a charge of XXXX on XX/XX/2023 on the same website they tried to charge my credit for but this was on my debit /checking account that is loaded on my PayPal XXXX This user also added a new address to my PayPal to have the product sent to their residence in XXXX. Im in the XXXX. In XXXX. Not anywhere close. I contacted PayPal and could not get a customer rep to assist so I left the message per their instructions for someone to follow up with me when available. I also tried contacting the seller through their phone number and email listed on the transaction, the phone number was invalid and the email was not answered. The charge was authorized and taken from my bank account by PayPal. I filed another complaint stating this was fraud and they had notified me of the same user moments before this transaction trying to charge my credit. They stated they had to follow their procedures and contact the seller for items not received, even though it was an unauthorized fraudulent charge. I filed a dispute with my bank on the charge and continued trying to work with PayPal to resolve the matter. PayPal has sense followed up with XXXX emails stating it was not fraud and they closed the case. It is very much fraud and I have sense found out they had a data breach in XXXX. I have also had XXXX others I know have their accounts charged fraudulent charges in the last week. PayPal did not inform me of their breach and have not made a reasonable effort to remedy this situation. It is now almost XXXX weeks later and I am still fighting with them. | ||||||
| 12/30/2020 | Yes |
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Web | Older American |
| was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called XXXX XXXX located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called Paypal Account. They say I owe a debt of $ XXXX this was created in XX/XX/XXXX. I have never had a Paypal account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a Paypal account. I am XXXX years old and I use a bank not Paypal to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a Paypal account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem. | ||||||
| 08/31/2023 | Yes |
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| To Whom It May Concern, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that there might have been a misunderstanding or an error leading to this unfortunate decision. First and foremost, I wish to emphasize that I have always been committed to upholding PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. It has come as a shock to me to discover the restriction on my account, as I have been a dedicated PayPal user, valuing the services it provides. I kindly request that you consider re-investigating my case thoroughly. I am confident that a closer examination will reveal that there has been some mistake in labeling my account as in violation of PayPal 's policies. The limitation has caused a significant disruption to my online transactions and financial activities. I understand that PayPal has a responsibility to ensure the security and integrity of its platform. However, I sincerely believe that my account has been unjustly penalized. I would greatly appreciate the opportunity for a fresh review, providing any necessary documentation to support my case. In conclusion, I implore PayPal to carefully reconsider the decision to permanently limit my account. I believe in the fairness of your processes and remain hopeful that this matter can be resolved in an equitable manner. Restoring my account would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal as a service. Thank you for taking the time to read and consider my appeal. I eagerly await your response and remain open to providing any further information that might aid in the review process. Yours sincerely, XXXX XXXX | ||||||
| 09/12/2020 | Yes |
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| You have authorized a payment of {$110.00} USD to ( ). Money won't leave your account until processes your order.XX/XX/XXXX, XXXX XXXX PDT Receipt XXXX Hello XXXX XXXXXXXX This charge will appear on your credit card statement as payment to PAYPAL XXXX. Save time with a PayPal account Create a PayPal account and save your payment information. You won't need to enter your payment information every time you shop online. table.callToAction td { background : # XXXX url ( http : XXXX XXXX left 17.5 % repeat-x ; } .callToAction { XXXX! important ; } Sign Up Now Shop with confidence We keep your financial information secure. Transactions monitored 24/7 Our fraud specialists help protect your account. You're protected Zero fraud liability for eligible unauthorized purchases. See eligibility Merchant information : Instructions to merchant : None provided Shipping information : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Shipping method : Not specified DescriptionQtyAll the items in your shopping basket ( see details in the store and on your store receipt ). Item # : XXXX XXXX XXXX XXXX : XXXX Please keep this receipt number for future reference. You'll need it if you contact customer service at or PayPal. Help XXXX XXXX XXXX Massachusetts Division of Banks, ( XXXX ) XXXX, http : //www.mass.gov/dob, PayPal holds a Foreign Transmittal Agency license with the State of Massachusetts - License Number XXXX. XXXX XXXX : XXXX. Please don't reply to this email. It'll just confuse the computer that sent it and you won't get a response. Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal Email ID XXXX - XXXX I ordered item on XX/XX/XXXX I paid tbrough website and yet it says PayPal. I never received item company wont respond and paypal says they are not involved. | ||||||
| 07/18/2020 | Yes |
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Web | Servicemember |
| I purchased an item for about {$100.00} using Paypal as that was the only way seller accepted payment. Turns out the seller was a scammer, he never sent me the item I paid for, he never responded to any of my many attempts to contact him by phone or email, he diconnected his phone, he opened up an identical scam on another web page again using Paypal. Paypal made it very difficult and time consuming for me to get a refund. Paypal send me a tracking number for the item and said that was proof the item was sent and I would likely not get a refund. Paypal never followed up to investigate the tracking number and to learn from the shipper that the item was never sent to me, that the item weighted less than 2 pounds rather than the 50 pounds it weighted, that the item was never sent by the seller. Paypal refused to speak to me on the phone after numerous attempts to contact them, Paypal did not respond to my questions asked on their chat line ( the only method allowed to contact them ), Paypal dragged the case on for weeks with no refund, Paypal finally offered a refund and the reopneed the case the next day. Paypal told me to get documents from the shipper when they did not exist. I felt Paypal was working only in the interests of the seller. Paypal customer service is non existent and they would not send me transcripts of all my contacts which had to go through them. After dozens of chat contacts, hours on the phone with no success, I finally got a refund but they still refused all efforts to learn more about the case. No wonder scammers seem to prefer to go through Paypal. I was never assigned a case number, the tracking number was XXXX and merchant was XXXX Paypal told me to contact their legal department if I had any issues with them. They had no effective or responsive customer service and left the customer totally out of the loop. | ||||||
| 12/13/2023 | Yes |
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| XXXX XXXX me and my family received our refund of {$14000.00}. XXXX XXXX through XXXX XXXX me and my family did a little shopping for the XXXX we also paid a bill much needed, the bill paid didnt post right away because it usually takes about 3 days to post or for the bank to pull the money from the account. When XX/XX/XXXX came I was restricted from my account and my funds was frozen. This was ver disappointing and stressful. Email after email I sent. Call after call and each time I was given no further information or explanation to whats going on with my account or my families money.I continue to get more emails speaking of my case being escalated and further restrictions until the finally permanently deactivated my account. I sent all the information that was asked for immediately. Inside my emails I explained time and time again that the funds deposited to my account where my families, we where using the funds how we seen fit during the days of the so called suspicious activity, I also explained that my remaining balance should be sent to me or free up for transfer out of there account.upon further research me and my wife has found that this is an normal move for venmo, we found that a huge percentage of people have and are taking law action against the venmo co for these same actions. As soon as a user receives a huge or good enough deposit or transfer Venmo restricts them and freezes their account, with no actual true reason just using false information and holding on and stealing peoples money. They send you through a 180 day wait in case of theft prevention and when the 180 days are up, no one ever gets their funds back.This isnt fair, its theft and it seems like an pyramid scheme of some sort right before the holidays. I spoke to council and was told to put in my claim here first. My remaining balance is over {$8000.00} | ||||||
| 02/21/2021 | Yes |
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| I am a victim of identity theft -My PayPal Debit/Cash Card and/or Account information was used for unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX of XXXX ( my card was not lost or stolen ) which totaled nearly {$1000.00}. I contacted PayPal Customer Service on XX/XX/XXXX and was advised to wait until the charges were processed and then individually dispute each one. During the dispute process, I noticed several more charges that were not listed in my Account Activity. - I downloaded my Account Transaction History and verified the unauthorized transactions ( including the cloaked charges ). I am unable to dispute the cloaked charges ( which are half of the unauthorized charges ). Transaction IDs on my Account Activity section do not match up with Transaction IDs in Account History. In Transaction History ( not Account Activity ) a majority of Income deposits were marked from PayPal Inc. instead of original sources ( FL DEO and XXXX XXXX ). I have filed a report with the FTC and the local police, contacted the credit bureaus, and XXXX ( as I pay them to monitor my account and Identity ). - I will be hiring a professional accountant to go through all of my PayPal Transaction History. I am enclosing : Account Transaction History for XXXX and XXXX of this year. Proof of Cloaked Transactions. Proof of Transaction IDs not being correct. Copy of Report to FTC ( which contains local police report information ). [ Note : This entire process regarding PayPal and Identity Theft, has been absolutely draining, time consuming, and has caused a lot of financial and emotional stress. I have been having to use Credit Cards via another bank due to the fraudulent activity, which has had a negative impact on my Credit Report - In which in XXXX I spent a lot of time repairing and improving- only to be back at square one. ] | ||||||
| 06/09/2017 | Yes |
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| On XX/XX/XXXX I sold something on XXXX for {$2000.00}, and the buyer paid through PayPal. I received {$1900.00} in PayPal after PayPal 's fees. After receiving the package, the buyer requested a refund. I said ok, the buyer shipped back the packaging, and I issued the refund. The refund was processed through XXXX and {$1900.00} was subtracted from my bank account. However, due to a glitch in the PayPal system, my PayPal balance was additionally debited by {$1900.00}, resulting in a negative balance of that amount in my PayPal account. I was charged {$3900.00}. After spending a few hours on hold and through department transfers on PayPal, they acknowledged th at it was PayPal 's error, a " glitch in their system '' and apologized. They credited my PayPal acc ount {$1900.00} on XX/XX/XXXX . However, on XX/XX/XXXX , PayPal 's system informed me that a " Temporary credit issued by paypal '' has expired and would soon be debited from my paypal account again. On XX/XX/XXXX , my account was again charged {$1900.00}. I furiously called PayPal again, and after about 4 hours on hold and otherwise, PayPal again acknowledged that it was an error on their part and would reverse the charge on my account. They reversed the charge and I received {$1900.00} back. This exact same situation happened on XX/XX/XXXX . I was furious that my account was charged again by their automated system, and for spending so many hours on the phone and having an issue repeat itself, and I demanded that they ensure it does not happen again. They ensured this, however today on XX/XX/XXXX , my account was again charged XXXX . After many promises, apologies, and acknowledgments of error, PayPal has done nothing. I have spend dozens of hours on the phone and am considering legal action to recover compensation for my money and lost time. | ||||||
| 05/23/2018 | Yes |
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| On Wednesday, XX/XX/XXXX I used the XXXX app to transfer funds from my personal account to that of a friend, to pay for a hotel room cost in the amount of {$160.00}. I was immediately notified on that day by XXXX that the transaction went through and the funds were subsequently removed from my account the same day. I then go on my vacation the following weekend and I am using my debit card the whole time while away. I returned from my trip on XX/XX/XXXX and was notified via email that day by XXXX that the charge had never gone through and that my account with them was now frozen, but that they would " cover '' the cost until I could pay them back. Now, my first issue is that the funds were immediately removed and it should not take 5-6 days for XXXX to process that. XXXX waited until I had no funds in my account available to charge me, then tried to penalize me for their delayed processing of the transaction. Recently on XX/XX/XXXX, my friend XXXX XXXX, tried to send me money through the XXXX app as a surprise and before I could tell her that account was frozen, XXXX took the funds and is essentially holding them hostage until I pay the {$160.00} to them. This is a complete violation of mine and my friend 's rights and we would like to recover both the {$160.00} and the {$75.00} owed to us by XXXX. My friend XXXX XXXX has nothing to do with my XXXX account issues and XXXX should never have been able to receive the funds in the first place to a frozen account. This has now given them the ability to keep a third parties funds hostage until another parties debt is paid and that just seems like a blatant violation of our constitutional rights as consumers. I also have all of the emails from XXXX stating that the funds were paid out on XX/XX/XXXX as well as all subsequent emails from them since they froze my account ion XX/XX/XXXX. | ||||||
| 04/29/2017 | Yes |
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| After the response by XXXX XXXX XXXX XXXX Operations Counsel in Paypal, which he sent me by the post as well as through complaint No. XXXX , I DISPUTED it as almost everything XXXX XXXX stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying XXXX XXXX was LYING EXTENSIVELY. I also contacted XXXX XXXX on XXXX XXXX 2017, to his email address appearing in his letter : " XXXX XXXX XXXX ''. Later, on XXXX XXXX , 2017, I emailed XXXX XXXX with key information showing him that Paypal DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided XXXX XXXX the URL which shows that : XXXX XXXX XXXX XXXX As XXXX XXXX NEVER r esponded to both email messages, I called him to his office number ( XXXX ) XXXX and as he was never reachable in that number I called him to his mobile number ( XXXX ) XXXX on XXXX XXXX , 2017. XXXX XXXX then stated he was with another call and I briefly said would re-email those 2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that XXXX XXXX promised to call me back but he did NOT do it. As XXXX XXXX did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ). As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as XXXX XXXX NEVER responded, I have no other option than making another complaint against Paypal but pointing out his miserable and uncooperative attitude. | ||||||
| 08/02/2016 | Yes |
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| I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank. | ||||||
| 09/30/2023 | Yes |
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| On XX/XX/XXXX our victim sent {$600.00} to a family member with PayPal through XXXX XXXX. This money was received by the family member at that time. On XX/XX/XXXX at around XXXX the family member sent {$600.00} back to our victim. An issue with the PayPal account that was associated with XXXX XXXX prevented our victim from receiving it. Our victim contacted PayPal to get this resolved, they told her " we will refund the {$600.00} back to [ the family member ] which will take a while, don't call us about it again, because we don't know when it will be complete. '' Over the course of several months our victim contacted them repeatedly to resolve this issue and still has not received a resolution. On Thursday XX/XX/XXXX we called PayPal and spoke with XXXX who was unable to find the previous calls and said our transaction number was invalid, even though we could see the transaction in the deprecated account. She created a trace over the transaction and said it would be complete within 48hours and we would receive an email, we confirmed that this included the weekend. Unfortunately that email was never received. So today we called PayPal to follow up and spoke with XXXX who was unable to find previous calls as well and could only see XXXX case that she created. We were told conflicting information regarding case numbers, transaction IDs and resolution time. According to XXXX it would take another 72 hours starting Monday, because XXXX filed the report on Friday or Thursday, she was sketchy with all details and continued to give us contradicting information, and when asked she was unwilling to provide a reference number, but did provide a PayPal ticket number. XXXX We informed them that because they would not give accurate and true information, nor a proper resolution that we have no choice, but to involve additional agencies. | ||||||
| 11/13/2020 | Yes |
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| On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud. PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | ||||||
| 05/04/2020 | Yes |
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Web | Older American |
| First, I am a XXXX Senior with high underlying medical issues that is a HIGH RISK for the Corona Virus. CDC advised people of XXXX with High-Risk Medical Issues to stay at home. I filed a dispute of charge with Paypal but will not assist with the issue. Although the Pandemic Virus is deadly for me and no specific XXXX XXXX Policy for issues like this. I've had to skip monthly payments due to no additional funds coming in for me and creates a financial hardship. XXXX XXXX should refund the money on my Paypal Smart Connect Account because they are placing my life in danger to keep their revenue. Normally, I do not fly but wanted to participate in a Family Vacation. On XX/XX/2020, I placed reservations from XXXX to XXXX XXXX, CA for a cruise but there were more Senior citizen deaths, and more people diagnosed positive for the virus. I called XXXX XXXX to see how they were handling reservations with unavoidable issues. On a fixed income with a medical issue such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and mainly respiratory issues. I needed to cancel the flight and cruise ... unfortunately I would have lost over XXXX for the cruise and XXXX for the flight, Therefore, XXXX XXXX offered one option and that was a discount on the flight. There {$200.00} they could have refunded but would not so place it to be used on a future flight. I explained I do not fly so it would not benefit me but they would not refund it. On today XX/XX/2020, XXXX canceled the cruise because it wasn't safe for the XX/XX/2020 cruise. Fortunately, XXXX cared more about their customers and provided 2 options. I decided to request the second option of which 100 % refund. I do not understand why XXXX XXXX does not assist its customers, especially Very High-Risk Medical Issues. XXXX XXXX would rather risk the customer 's life than lose their bottom line/revenue. | ||||||
| 07/05/2017 | Yes |
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| I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ). Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight. | ||||||
| 10/23/2023 | Yes |
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| I have had a horrible experience with venmo. My account was hacked and money was taken and put in a XXXX account that does not belong to me nor do I know who it belongs to. I don't even have XXXX myself to be quite honest with you. I have contacted XXXX regarding the matter and gave them all the information that I know. I gave them the make and model of my device, the state I'm located in, the name of the person that was on my venmo transactions. When I noticed that my account was hacked I immediately contacted venmo and upon talk with a venmo representative she agreed that my account was hacked so I took the proper steps necessary to gain access back in my account. I provided all the proper documents that were asked of me. I was then able to get access to my account that's when upon looking I noticed the unauthorized transactions. I filed the disputes and with in two hours my venmo account was frozen permanently. Venmo would not give me any kind of reason why it happened either. I know I personally did not do anything to go against the user agreement. I do have a tax Id that venmo verified so I could make business transactions so I know I didn't violate anything by that. I finally was able to talk to someone through venmo and they finally told me that my account was frozen permanently due to the fact I filed the unauthorized transactions. I had every legal right to file the disputes without getting my account frozen especially when it was proven that my account was hacked. I had a little over {$1300.00} taken from me. I followed the right steps and let the right people know that it was hacked. I feel like I got punished for going about this situation in the right way. I still have money on my account as well. I didn't do anything wrong. I just want to get my account back and my money asap. The freeze was placed on XX/XX/23 | ||||||
| 10/20/2021 | Yes |
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| XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of PayPal. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with PayPal. XXXX changed my bank account numbers and requested the {$1000.00} back from PayPal as a case of Fraudulent transaction. PayPal returned the {$1000.00} and " Locked '' the PayPal account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency ( XXXX XXXX XXXX XXXX located in XXXX, UT ) stating I owe {$1000.00} from a PayPal account they now owned. I contacted PayPal and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the PayPal account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which PayPal has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from XXXX XXXX XXXX exactly a year later stating they now own the account and require payment. PayPal is unable to do anything because the account was sold. PayPal is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ). | ||||||
| 09/16/2021 | Yes |
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| Filed a complaint regarding the deceptive tactics and misleading sales by a business using their platform to push sales ( XXXX ). Once the Bait and Switch ( Fee switched from a one time payment of {$490.00} to a monthly payment of {$490.00} without written permission ) was detected along with the detailed harassment the ensued, I requested an immediate refund per the Paypal process. They extended the deadline and denied the claim. My bank is also investigating this issue. The following is the detailed complaint along withe a copy of the submission. -High Pressure Sales Marketing Tactics and misleading price claims that failed to disclose the up-sell necessary for success in their membership. The neglect to provide the sufficient information to properly make an investment decision was accompanied by false oral and written claims that violate their terms of service. -Bait-n-Switch techniques and failure to perform promised services -for membership as stated was a one-time fee of {$490.00} to obtain membership -in order to access the XXXX database of members. And obtain Speaking engagements ( which I stated as a major reason for joining ). However, once I signed up, further emails expressed there were more obligations to obtain the lists and speak : ( 1 ) Completion a separate XXXX training or other up-sell as high at $ XXXX ( 2 ) Attend {$20.00} per week membership meetings for a drip list of attendees ( 3 ) Pay additional speakers fee of up to {$150.00}. -Marketing to my Mailing listing with harassing phone calls, text messages, and spamming emails when their offer was declined. Contacted by my contacts once these pressure tactics occurred. Terms of Service not as describe : XXXX : XXXX Paypal ignored all of these tactics which are a violation of truth in advertising rules in Section 5 of the Federal Trade Commission Act. | ||||||
| 04/13/2019 | Yes |
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| In XX/XX/2019 my PayPal account was illegally accessed by an unknown fraudster. The fraudster initiated a electronic transfer from my primary bank account to my PayPal account for an amount of {$1000.00}. I became aware of the fraud when I attempted to use my debit card. I contacted Paypal to report the fraud and received confirmation from Paypal, same day as it was reported, that the fraud was confirmed and the transaction would be cancelled. However, on XX/XX/XXXX Paypal notified me that the {$1000.00} transfer was successful and funds were available in my Paypal account. To prevent further fraud, I immedately initiated a xfr of the {$1000.00} from my Paypal account to my bank account. Paypal activity reflects this transaction was processed on XX/XX/XXXX. In XXXX, I attempted to close my Paypal account following the sucessful fraud but Paypal had locked down my account which prevented my intended action of account closure. My account was locked down so that I could not initiate any transactions in or out of my Paypal account, can not close my account, or take any other action other than to take steps for verify my account. I have completed each of those steps and I am in the process of waiting for ACH transactions to post to my bank account to finish the verification. As of the date of this complaint those transactions have still not posted. After all of this, I received a notice from XXXX XXXX, XXXX, a collection agency, stating that Paypal has placed my account with them for collections in the amount of {$1000.00}. I never received a single late notice or delinquency notice from Paypal, either in writing or electronically. Also, even if I was aware and prepared to pay the so called delinquent balance, Paypal prevented me from doing so until they process the trial transactions as part of the account verification step. | ||||||
| 10/05/2021 | Yes |
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| I am a fXXXX XXXX XXXXXXXX. I created an account with PayPal in order to allow a client to pay me who had no other means of payment. When the money arrived in my PayPal account, I was given the option to withdraw to my bank account or pay a small fee to have it instantly transferred to my debit card. I opted for the instant transfer option. I am now being told it is withheld " pending review ''. I reached out via chat and got a robot who gave me the exact same information I already knew. I tried calling but the wait time is measured in hours. PayPal should not be withholding money for " review '' after agreeing to be the intermediary between my client and I. After examining their XXXX complaint history this is a pattern with over XXXX complaints with substantially similar facts. Apparently they play some sort game where they randomly freeze accounts and withhold customer funds with no recourse. https : XXXX This needs to be reported to someone with regulatory authority so corrective action can be taken. Paypal is being abusive, that's why I'm reaching out to you. Not just for myself per se, but for the XXXX complainants at the XXXX and likely hundreds of thousands of others. There is literally no valid explanation for my funds to be frozen pending a review only at the stage where I'm expecting it to land in my account. If they had suspicions or they needed more documentation or information, they should have requested that at sign up or when the transfer from my client to me was initiated. But once they received the money on my behalf, they are required to timely forward it to me. Transaction ID : XXXX Amount : {$240.00} Date : XX/XX/2021 Any help you can give would be great. I'll update this case if they ever release my funds, but judging from the XXXX XXXX complaints against them, I'm not holding out hope. | ||||||
| 10/05/2021 | Yes |
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| I've recently started up a Venmo account for my business ( it's a business Venmo Account ). They've allowed me to create the account by way of answering questions about my business upfront. After the account was created, I had access to accept payments from my customers which are held on my Venmo account, but they flagged the payment as " suspicious '' and froze my account to where I can't transfer MY money to MY bank account. If the activity was " suspicious '' and needed to be verified, the transaction should've been blocked BEFOREHAND before allowing the money to come thru the Venmo platform and before taking their fee for accepting payments. They got their cut of my money to add to their capital, but I'm left trying to figure out how to access my money. Venmo is asking for documents to verify my business, and I've done this to an extent when I signed up. If they needed more information, they should've asked for it upfront with the questionnaire I completed to start up the account initially. The person who I got in touch with is XXXX XXXX XXXX they don't provide last names in the emails ) who did very little to help. She said that she was the highest up that could assist with my situation and that I had to continue to wait for her team to verify my account even after telling her I'd use XXXX and close my account with Venmo so they could release my funds to my bank. This part was pretty frustrating because if I'm telling you I do not want your services and you have my money, you need not verify documents ( which I've already provided ) or hold me/my money up in your process as if I would continue to be a Venmo customer. Simply release my money to my bank so that I can used the funds for business related bills and operating expenses. They're doing this to other people, I'm quite sure of it, and it needs to stop. | ||||||
| 02/13/2023 | Yes |
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| In XX/XX/XXXX, I received a direct deposit of {$500.00} in my PayPal account. The same day I received and email that my account was being closed and that I can access my money in XXXX I called PayPal and no one can answer my questions I been on hold for hours and no resolution. I rarely use the account there are no suspicious charges because there is barely any money deposit it there. I beg and pleaded with PayPal to give me an answer and they all say I will have to wait 6 months to get my money. I contacted my XXXX department at my job and they reached out to XXXX and since I waited the XXXX day to contact the XXXX department they cant reverse the payment. They stated federal banking regulations said I have to contact them within 5 days of the issuance. Well I did contact the XXXX department at my job Friday XX/XX/XXXX the day we got paid and the girl who took my concern did not put in the correct request like I asked her she simply stated that my account was close and my money should be return I had to call back last Thursday XX/XX/XXXX and speak with XXXX department and she told me about the federal banking regulation of 5 days to reverse payment. So because a call center rep took my concern down incorrectly I was outside of the 5 day period and when Payroll attempted to reverse payment XXXX said they could not do anything I will have to reached back out to PayPal. I just want my money and some answers on why it was close. They just have my money sitting there that I worked for. I dont understand I use the PayPal account for shopping and miscellaneous items I dont do anything else but that. I spoke to a supervisor he had it escalated and of course no one reached back out to me. People are heartless and no help when you call PayPal I need my money and a resolution. My reference number from PayPal is ( XXXX ID - XXXX ) | ||||||
| 12/30/2020 | Yes |
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Web | Older American |
| As an academic who has worked for both XXXX and XXXX universities, I have had a need to keep bank accounts open overseas even though I am back in the XXXX. In order to pay bills incurred in the XXXX, I maintain a XXXX credit card. For several months I used my XXXX bank 's international money transfer service, but it was expensive ( up to 25 % of the funds I was sending ), so I switched to PayPal, using my XXXX-linked email to receive funds, and my XXXX one to send them. PayPal was aware that I had two accounts, in fact, it was their suggestion to resolve the international funds tranfer issue. In XXXX, I sent funds to my XXXX-linked email account and attempted to access my PayPal account and transfer the funds there to my XXXX bank where I was going to use them to pay the credit card bill. However, despite numerous attempts to clear security with PayPal, including providing the security codes they sent to my email, they insisted I was not authorised to access the account without use of a no-longer-in-use XXXX phone number. They offered NO alternative. I filed a formal complaint about the lack of access to my funds. They denied my claim, insisting that the funds had been delivered. THAT was never the issue, as my complaint made clear. Unfortunately, the complaint was made via their online portal and their emails don't seem to include the original text. I have replied to that denial, but as they didn't even bother to address the actual complaint I made, I am doubtful that any change will occur without outside influence. Meanwhile, there is over {$100.00} of my funds I can not access, which might not sound like much, but is quite significant in my life. At present, there are funds in a PayPal account that PayPal will not allow me to access, nor will they provide me with a refund of those funds. This is unacceptable. | ||||||
| 11/04/2018 | Yes |
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| My name is XXXX XXXX and I initiated an international money transfer through Paypal on XX/XX/XXXX with transaction ID XXXX. I requested to pay XXXX {$2000.00} to my recipient in XXXX through my XXXX XXXX credit card. I checked to make sure that the " they receive '' amount is XXXX {$2000.00}, and I checked with XXXX XXXX XXXX to make sure the exact equivalent USD amount I was going to be charged. XXXX told me the currency conversion will be done through them, not Paypal, and that I shall NOT see any FX transaction fee. I then initiated the transfer, before which I MADE SURE THAT NO ADDITIONAL CHARGE ( EITHER MY OR RECIPIENT 'S SIDE ) WAS REVEALED TO ME. However after my recipient received the payment, she was charged XXXX {$74.00} fee which was totally unexpected. I checked my XXXX account and made sure that the actual amount that I was charged matched the amount that I was told by XXXX earlier. I then called Paypal to check what's going on and their agent told me 2 things : 1. It's an international transfer so they charged the current conversion fee. I denied that immediately saying that I paid with XXXX XXXX so I was actually charged XXXX {$2000.00} with my card and the FX conversion was later done by XXXX, NOT Paypal. They had no right to charged the so-called " current conversion fee ''. 2. After the first point, the agent came up with some other theory saying that it's an international transfer so someone has to pay for the fee. I told her that I was neither informed of any existence of any hidden fees nor was I presented with any fee schedule, on my Paypal transfer page. The only thing that I saw was an unexpected charge, and I don't think this conforms to CFPB rules. The agent refused to honor or comment on any of the points that I mentioned, but just kept saying someone will have to pay and then cut me off. | ||||||
| 11/09/2021 | Yes |
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| On XX/XX/XXXX, I attempted to purchase 1 set of tickets from XXXX through my PayPal account and I was charged twice due to a fluke in the system. With my bank, I stopped payment on the duplicate amount. My account balance reflected negatively with PayPal {$430.00} and I disputed the amount with PayPal because of the duplicate charge and never receiving the tickets from the order. The dispute was won in my favor and Papal received the chargeback of {$430.00}. I have many transactions coming in and out of PayPal and I am unable to utilize my checking account as they have restricted it. I have been a customer with PayPal for over 11 years, since 2011 and I have used the same checking account that is now been blocked. I do not have repeat patterns of abuse and I can not even pay my upcoming bill with my checking account, which is due XX/XX/XXXX. I was advised to borrow money from a friend to put in my PayPal balance or link a new checking account in order to pay my bill. I have over $ XXXX-XXXX worth of transactions going in and out of my account. This is an inconvenience and I don't appreciate it since I disputed the transaction and won. I don't believe I am treated fairly as I have been a customer for over 11 years and nothing like this has ever happened. I would like PayPal to reinstate my personal checking account so, I can pay my bills and conduct business. In addition, I have called a few times and no one at the company is taking a payment for my upcoming bill. This will cause late fees and ultimately a report to the credit bureau. I was not offered alternative methods for payment. Also, I have other bills coming out of my account connected to my checking account, such as XXXX, XXXX, XXXX, which is also connected to PayPal and those payments have been coming out with no returns for years. Please help me CFPB. | ||||||
| 08/31/2021 | Yes |
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| I opened my PayPal account towards the end of last year after reading online that they were great if you like online gambling. This proved to be true as I regularly used the account to make deposits and withdrawals to my casinos accounts easily and quickly. As well as funding my online gaming accounts, I use the account to send money to friends and also to withdraw funds to my bank account. A bank account that I have linked and verified with the PayPal account. I have used PayPal the account several times a week for the past few months without issue, until last week when I received an email stating they have limited all the features of my account. I received the email on XX/XX/25. To regain full access they requested a bank statement and an explanation of the transactions. I did not think much of this as I imagine I utilize the account more than most, and it's fair that they would run some checks every now and then. I responded the following day giving an explanation of what I use the account for and my bank statement from XXXX. The following day I received an email stating that I have two options. One, to refund my customers their money and have my account closed. Or two, to have my money frozen for 180 days and my account closed! I have no idea what is going on. I do not have customers and have never sold any goods or services. I informed PayPal of this but they still accused me of doing so. I replied to their email last week explaining the situation again, but they have ignored me and not responded. The balance of my account is {$31000.00} and I can't lose access to my money. I have not broken any of their rules and I don't know why they're not listening to me. Your assistance with this will be greatly appreciated because I don't know what to do and I don't believe they have the right to seize my money. | ||||||
| 04/01/2021 | Yes |
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Web | Older American |
| On XX/XX/XXXX I received a new XXXX XXXX card because of fear of compromise. On XX/XX/XXXX I checked my PayPal Account to ensure all cards had been deleted from the wallet section. To my surprise my new XXXX XXXX card has been placed in the PayPal Account without my consent or knowledge. PayPal tells me that someone has access to my card. This is not true. No one has access to my card. Problem is : PayPal for some reason will not remove an old email and mobile that were hacked back in XX/XX/XXXX. One of their customer service reps and I recently changed the primary email and phone number on my account. But their automated system is still asking for an email to be sent to my old email address for verification of my identity and to reset the password. There customer service people do not have a clue as to how to fix this issue. Their actions are robotic. They do not have a clue of an issue of this magnitude and complexity. I have sent numerous emails to no avail. The executive offices will not respond. This lack of customer care is unacceptable for a company like PayPal. Needless to say, If I ever get this rectified, I will have nothing to do with PayPal. Companies do not understand the enormity of these issues until It is felt in the bottom line. In the final analysis : the hackers still have access to my initial email account and they are having a hay day on penetrating my accounts and all because PayPal is unwilling to do their diligence to protect my account information. The old information needs to be removed from their system. Each time they try to verify me via their automated system and I know the answers to the questions are correct, I can not be verified according to their system. They need to update their automated system with the correct information. I am at a cross roads. I need help in fixing this | ||||||
| 11/20/2017 | Yes |
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| 1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3. Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account. | ||||||
| 08/25/2023 | Yes |
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| To Whom It May Concern, I hope this message finds you well. I am writing to address the recent permanent limitation placed on my PayPal account ( XXXX ). I believe that there has been a misunderstanding or error in this matter, and I am kindly requesting a re-evaluation of my case. Firstly, I wish to express my utmost respect for PayPal 's policies and guidelines. As a diligent user, I have made it a priority to adhere to these regulations since the inception of my account. I am confident that I have not engaged in any activities that would violate PayPal 's terms of service. Given this, I am left perplexed by the limitation that has been imposed on my account. It is my sincere belief that this action is a result of some oversight or technical glitch. I am certain that no actions from my end could have warranted such a response. I kindly implore PayPal 's team to take a closer look into the specifics of my account activity. A thorough review will reveal that there have been no breaches from my end. I value my relationship with PayPal and the convenience it brings to my online transactions. Losing access to my account has caused me significant inconvenience and distress. In light of the aforementioned points, I humbly request PayPal to initiate a re-investigation of my account. If any errors are found, I kindly request the removal of the account limitation. The ability to use PayPal is pivotal for my online transactions, and I am hopeful that this matter can be resolved promptly. I am grateful for your attention to this appeal and the swift resolution of this matter. Please do not hesitate to contact me at XXXX for any additional information that may be required. I eagerly await a positive response and the reinstatement of my PayPal account. Thank you for your time and consideration. Sincerely, XXXX XXXX | ||||||
| 04/16/2022 | Yes |
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| I have been a customer with a personal PayPal account for almost a decade without any problems. On their website, they advertised the ability to open a business account for freelancers, and people working 1099 jobs to invoice their clients. I opened a business account, put in all my personal information including personal address, social security, bank account numbers for wire transfers, etc. After putting in all my information, their system said I was a risk because my name appeared on two accounts ( my personal and this new one ) so they will prevent my access to my account and will prevent withdrawal of any funds. I spent weeks going back and forth with customer service who just copy pasted boiler plate. I eventually just wanted the account with all my personal information deleted. I was able to delete my personal account but the site prevented me from accessing and deleting my business account. More emails to the CEO, customer service, the FTC, and even pinged them on social media. They controlled my personal data and would not delete it because I asked them to let me close the account. They would not give me a reason why they are doing this and gave the impression that they have legal rights as a corporation to store my personal data against my will for as long as they want. Funny thing, there are ZERO transactions on the account so they have no basis to hold my data XXXX. Its been months now and my account and personal data is still in their database waiting to be breached and stolen and I have no say in the protection of my personal data as a US citizen. I would never trust PayPal with my personal data especially since I have no way of protecting it, deleting it, nor do they take customer complaints seriously. Absolutely horrible business practices and tremendous violation of consumer rights and privacy laws. | ||||||
| 11/20/2019 | Yes |
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Web | Older American |
| On XX/XX/XXXX I supplied a personal services to a person who used her debt card to pay for {$800.00} for an service agreement for room and boarding service in which I accepted her payment through " PayPal Here '' card reader for point of sale use ; the payment was accepted by PayPal Here at this time I believed all the funds were available for use at anytime. However, it wasn't until XX/XX/XXXX I received a notice regarding a 30 days hold was place on {$300.00} for the following reasons : ( 1 ) because the account was new ; ( 2 ) or because the company reserve the right to hold a portion of the funds for the first time which was been sent by PayPal to my email and after complaining to PayPal the email has been deleted from my received account. On XX/XX/XXXX at : XXXX at XXXX and spoke with XXXX ID # XXXX requesting PayPal to release the hold on funds, it was imperative to pay other bills and avoid 30 day lates attempting to plea with him to make an executive decision to remove the hold ; Here 's were I got the run-around with " the back office '' refused to release the hold and when I ask for the name of the back of person who he spoke too? and I was then told that " he could give out that information '' and he would not be able to release the hold on {$300.00} as requested. In addition to funds being placed on hold in which did not consent ; sign any agreement in XXXX when I open the account I did not consent to this form of usury. I did not select to have funds placed in a restricted account. Finally, I informed the agents of these facts and the recent changes and updated to place funds on hold did not apply to me ; and again requested the agents at PayPal to release the fund requested to speak with his supervisor who also refused to release the hold on the account and the call was mystically disconnected. | ||||||
| 11/05/2019 | Yes |
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Web | Servicemember |
| I got paid {$2000.00} usd from my VA benefits on XXXX, XXXX 2019. After receiving my money on Venmo services via XXXX transfer I paid my car note, got a hotel ( currently XXXX ), and got gas and a couple other things. Upon my arrival at the hotel I booked on XXXX with my Venmo card i tried to pay the {$10.00} early check in fee my card was declined. I go to the gas station next door to get money off of my Venmo debit, its declined twice. I call Venmo and the gentleman told me there were red flags in the internal system so they couldn't see why my car was getting declined or what the flags were, due to the fact they were system generated. He also told me my account was in good standings so he didn't understand why it was being declined. I got od the phone an at some point sent my fiancee {$1600.00}. After a full day of emails and calls still getting the same result I get an email late that night stating that my account has raised a red flag and had been frozen. After calling an emails the women informs me that I was in violation of the User Agreement, which they still haven't told me what violation accured, but also told me my account was permanently closed and funds were refunded back to my account. The {$150.00} that they froze an i tried to send via instant transfer, which wasn't available then sent standard transfer had been refunded back to my account. Now Monday XX/XX/2019 the XXXX transferred to my account along with the {$40.00} my wife sent me. My wife just received a email stating that the {$1400.00} i sent her has been flagged an under investigation. They have given no reason for the flag or no resolution. The email stated that it will take 180 days to reach a resolution. We are currently XXXX because of this incident with no sign of it being resolved. I have screenshots as well as times and emails. | ||||||
| 10/19/2016 | Yes |
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| I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. I hope this is addressed. Thank you | ||||||
| 04/14/2019 | Yes |
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Web | Servicemember |
| Yes i had accounts with paypal and XXXX a sub company of Paypal .. well a lil over a year ago on XX/XX/XXXX on my XXXX account i received a payment transfer of XXXX dollars then XXXX and finally another XXXX dollars bringing my balance to XXXX dollars .. so at that point i tried transfering it to my bank account like normal .. i received my confirmation for both transfers and was even provided a date for when my funds would be available in my external account .. well a day after i made the two transfers i tried logging in to find my account had been frozen i immediately call XXXX support to find out what's going on. Theb only answer I'm givin is an account specialist will be in contact a week later i receive an email stating my account will remain closed and they have no further information .. i continue to call for months but to receive the same answer.. a year later i get an email stating i can log on to my account but to only transfer my funds to my bank .. however upon logging in i still see the initiated transfer i made but then see a notifaction that says paid to XXXX before account closing .. and yet there was XXXX dollars in my about from the same balance .. when i ask there support what happened to the XXXX remaining from that Balance they say it was sent back to my balance yet there's no transaction no record no proof only a notifaction saying they took my money and paid themselfs with it. And now paypal had done the same thing closed my account for receiving a. XXXX cent payment denying me access to the funds from my account yet continue to take my money and the reason im giving threw email shows i tried to make transfer to my bank account that faild. So under no circumstances would that give them any rights to take it yet they've done so twice and more continues to come out of my balance as time go one | ||||||
| 10/20/2016 | Yes |
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| I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively. | ||||||
| 11/10/2020 | Yes |
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| Here below are the references for the transaction I made on the XXXX website on XX/XX/2020 Order # XXXX Purchased from XXXX on XX/XX/2020 {$410.00} 100 % XXXX XXXX XXXX XXXX XXXX Transaction # XXXX Quantity : 1 The seller sent me a tracking number of the sending with XXXX that was a fake one. I never received the item as you can see in my review of the transaction with that seller. Your Review Very disappointing. This seller is a scammer. Please, for your good, keep the name and, and especially the picture of this watch in mind because you may see it under a different seller 's name. This is how that scammer operates : he will reassure and send you a " real fake '' XXXX tracking number after receiving the payment. And after, when you check the status of the sending, you will read that the item was delivered and he will no longer answer your messages. I then filled a complaint with XXXX. They told me that the complaint should be filled with Paypal because the payment was received by them. I filled my complaint with Paypal and in response, they told me that they are closing my case because the seller had provided a tracking number showing that the item was delivered and if I want, I can submit a complaint with my financial institution XXXX XXXX XXXX XXXX, what I did. In response, XXXX XXXX told me that they not examining my case because it has been closed by PayPal. I decided to submit the tracking number to XXXX asking to confirm whether the related item has been delivered and if not, to let me know if the item was still in their facilities. In response, XXXX told me that the submitted tracking number has nothing to do with me and they were well aware of this kind of scam. I forwarded XXXX 's response to both Paypal and XXXX XXXX and they are still ignoring me. Many thanks in advance to examine my case. | ||||||
| 05/24/2018 | Yes |
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| This is a Very sick company!!! i have called them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ... ... ... ... ... ... ... ..and they will not return my funds back to family and i can not transfer it to my bank account!!!!!!!!!!!!!!! For several weeks now I've been trying to transfer funds into my bank account to pay numerous utility bills or rent water bill food for the family and PayPal has completely denied me access to funds that belong to me and restricted the account and now they will not return the funds back to the origination causing complete chaos and complete nonsense on this horrible despicable company that should be absolutely sued and every one of their members should be thrown in jail for a long time they are criminals and they are one of the worst companies in the United States of America and all the calls get routed to the XXXX islands and they do absolutely nothing they have stolen well over {$2000.00} of my funds and claimed that there's an issue with another account which does not belong to me and they have caused you normal amount of problems with my family!!!!!!!!!!! paypal has over 100,000 unanswered complaints, and instead of dealing with them just palms off the customers, locks their accounts, and keeps the interest. in the current arbitration process that paypal has instituted complaints must be submitted to binding private arbitration in XXXX XXXX county. paypal then reserved the right to freeze that customer 's account, and made the person submitting the complaint pay part of the arbitration fees ( which could often amount to more than the claim itself ). customers were also not allowed to combine separate disputes into a single arbitration, therefore making them pay multiple fees. | ||||||
| 07/31/2023 | Yes |
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| Paypal has created backdoor access into customer funds. Paypal created secret " billing agreements '' that allowed a merchant to withdraw on my paypal funds without my authorization. They call it " automated payments. '' Anyday & anytime after a one & done transaction a merchant can submit an invoice of any amount to paypal to be paid with my funds. In XX/XX/XXXX, I went to a website and made a one-time purchase via Paypal for a year of streaming services. Then, I downloaded their official app and put down my debit card as my method of payment. Not Paypal. In XX/XX/XXXX I tried to end subscription before renewal date shown on my account. ( Renewal date on account was incorrect for unknown reasons ). The merchant submitted to Paypal a bill for a new year of service at a 37 % markup. Paypal deducted full amount from my wallet on XX/XX/XXXX. I called merchant for refund & cancellation. Merchant refused both. I submitted complaint to Paypal. In about15 minutes, Paypal claimed I had authorized payment & sided with merchant. I filed appeal with Paypal. I canceled unwanted merchant streaming service myself but it showed good thru XX/XX/XXXX. Paypal sent me link showing active billing agreement with merchant. It also showed 8 other such agreements with other merchants. Merchants like a one-time purchase of cleaning supplies, round trip train ticket, donation to a social cause, etc. One merchant even showed on the invoice that it was " one-time '' purchase but Paypal still created a backdoor agreement. At XXXX XXXX on XX/XX/XXXX, I called the merchant again & received a full refund and immediate cancelation of service. Paypal also reversed decision and sided with me. By XXXX on XX/XX/XXXX, my money was back in my Paypal wallet. I never made an agreement with those merchants for continued access to my Paypal wallet. | ||||||
| 08/30/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I contacted Venmo about an unsatisfactory e-mail I received from them. It was trying to alert me to my account having been accessed from an unknown device. That is not what really happened. I accessed my account using a device that I had used many times previously -- it should not have been unknown. I questioned the value of such an alert since obviously something was wrong on their end. At least three different customer service agents at Venmo misinterpreted my inquiry, thinking I was raising a security alert. I was not -- there was never any doubt that I was the one that accessed the account on my usual device. Now Venmo has frozen my account so that I can not even close it. To close it, they want me to send a picture of my government-issued ID and a picture of me holding the ID. This is because of their so-called security concerns. I do not trust them with this information nor do I think I should have to jump through hoops to fix a problem that they created through their own incompetence. I did finally talk to a Venmo agent on XX/XX/XXXX who read the issue documentation from the start and she apologized profusely for the errors in how it was handled. However, because the matter had already been forwarded to a specialized team, she could not intervene. Venmo may want to refer to the following case numbers -- XXXX, XXXX, XXXX and XXXX ( the last one being the original case number ). Unfortunately, it is not practical for me to provide copies of correspondence. All of my complaints are done online on their website and they are not in a form that I can retrieve like an e-mail. Their replies are by e-mail but are useless -- they never address any of the issues I have brought up. I am attaching a copy of the chat transcript where the one agent recognized how badly Venmo had screwed things up. | ||||||
| 05/24/2022 | Yes |
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| Good day, My PayPal email : XXXX, Reference ID : XXXX. Im contacting under the claim that my PayPal account got permanently limited, Ive already called the support on phone and they claimed it could to be an fault by the automatic bot or an person who mistakenly had put limitations. Ive also messaged the support but I was not satisfied with their " I dont give a XXXX '' attitude. So I decided to contact the PayPal support on XXXX. However, I have been waiting for days yet no response. I really cant wait any longer and stress about this much more, PayPal support is so poor and literally dont care at all, I think this is my last hope to get help as its impossible to get any help from PayPal XXXX I understand the need of limiting accounts. However, Im also aware and familiar with the User Agreements, I have checked and read the User Agreement several times before and recently aswell. I dont find myself in any of them, with this being said, I dont believe I have violated any policies or laws. Even my sales history has been very positive. My account have gotten limited with no explanations given nor given me a chance to explain my usage by providing any proof needed to prevent from this mistake or misunderstanding to occur. I have no issues showing any proof/ID verification needed to resolve the issue. They have also frozen my balance, MY HARD EARNED MONEY!. I had about XXXX $ on my balance. Im in desperate for help. This has really affected my XXXX XXXX as this is not fair and everytime i ask for the reason why i got limitations they say " We have our own reason and we have the right to keep it private '', Nonsense honestly. Ive used my account for coaching sessions in a video game im very good at ( XXXX XXXX ), Never sold anything illegal or such so this decision made by PayPal is incorrect. Id appreciate any help. | ||||||
| 12/07/2021 | Yes |
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| On Sunday, XX/XX/2021, My family unfortunately fell victim to a scam. We found this puppy website online and thought we are getting a puppy but this was all a lie. These people do not have any puppies and used a fake address. The individual tricked us into paying him the full amount in Venmo for {$860.00}. When I tried to contact Venmo, theres no customer support available as its a Sunday. I had to refer to the apps dispute instructions. The app instructed me to first request money back from the same sender if I would like to get the money back. So I click the one button that says request / pay I put in the same amount {$860.00} I wanted a refund of. 2 buttons right next to each other appeared Request and pay - I accidentally hit pay ( theres no separation on this button, if you have big fingers or just blinked for a microsecond you can easily miss ). And just like that, I paid this individual TWICE! Theres not even a confirmation or review step to make sure. I reached out to venmo multiple times and of course my case was declined. I understand that the user agreement with Venmo should be between people you know, and I understand being out of the money for the first payment I did, but the second payment that is made by mistake because of their apps design flaw, they should be held accountable for that. Even with friends and family, not everyone will return your money if you accidentally paid them. It was such a simple fix and highly preventable ( separate the buttons, have different tabs for requesting and paying, or even have an extra review step ). I have taken all the necessary steps I need including reporting to my local law enforcement agency, filing a police report, and reporting to the CFPB. Venmo should as well, because with the way things are, they are aiding and abetting scammers and dishonest people. | ||||||
| 05/30/2023 | Yes |
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| 4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them. | ||||||
| 12/28/2020 | Yes |
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| On XX/XX/XXXX, I purchased a wool cat bed as advertised on XXXX. The cat bed I purchased was shown to be a thick felted wool, blue and aqua in color. The cost was {$21.00}, with {$5.00} shipping, and I paid with PayPal, understanding that PayPal would back me up if anything was wrong with the transaction. About XX/XX/XXXX, a package arrived from XXXX. Inside were two pieces of rough grey material, a stiff, thin fabric. It was in two pieces that you zip together, unlike the one-piece bed shown on the website I had ordered from. It in no way resembled the cat bed in the photographs on the website. I filed a complaint with PayPal through their resolution center. Initially, the XXXX seller offered about half of my purchase price back ( about {$14.00} ), but that was not satisfactory. Then he or she offered a full refund IF I would ship the bed back to XXXX. Of course, shipping back to XXXX is very expensive, and would cost more than the cost of the cat bed, so I didn't do that. PayPal then closed the case in favor of the seller. I have since learned that this is a known scam. The scammer appropriates photos illegally from the XXXX. website, and publishes them on their own website. When buyers finally receive their shipment and see that the item is nothing like that promised, they are stuck. What particularly angers me about this is that PayPal enables these scammers, siding with them, and not the buyers. PayPal should be working to put the scammers out of business, standing behind the honest buyers. These scammers use the advantage of very inexpensive shipping FROM XXXX to the US, but the reverse is not true. They pocket money for items that they have no intention of fulfilling honestly. PayPal 's " we'll stand behind you '' guarantee is an absolute falsehood. They stand behind scammers, enabling fraud. | ||||||
| 06/14/2020 | Yes |
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| Since XX/XX/XXXX, I have sent more than 20 emails to PayPal, but no one has ever given me a reasonable explanation, which is why I am appealing to CFPB for help. On XX/XX/XXXX, I purchased a product with a value of USD XXXX through PayPal ( I paid with MasterCard dual-currency credit card ), which was converted to CNY XXXX, the currency conversion rate is equivalent to XXXX. ( Please see Annex 1 ) But the currency conversion rate of the day I contacted my issuer was XXXX, so it should be XXXX CNY. So PayPal charged an additional me CNY XXXX, which is equivalent to USD XXXX. In the process of communication with PayPal customer service personnel, customer service representative XXXX XXXX informed that the reason was that PayPal would charge an additional 2.5 % currency conversion fee, which would be XXXX % = $ XXXXThis obviously is not true because it is inconsistent with the actual amount collected which was USD XXXX. ( Please see Annex 2. ) Another customer service rep, XXXX, said in the payment interface there would be an option to choose PayPal currency conversion rate or issuer currency conversion rate ( Please see Annex 3. ) But this option wasnt available ( Please see Annex 4. ) A PayPal representation, XXXX, explained that if you didn't manually change the exchange rate selection, PayPal would automatically choose its own exchange rate ( Currency conversion rate of XXXX ) .Because the exchange rate selection option wasnt available PayPal forces the customer to choose PayPal exchange rate instead of the customer 's own manual exchange rate ( Currency conversion rate of XXXX ) choice. ( Please see Annex 5. ) Here 's more about the bill : XXXX Your PayPal accounts email XXXX XXXX Transaction ID : XXXX * XXXX * payment amount : XXXX CNY = {$1800.00} USD * email address the payment was sent to : XXXX XXXX | ||||||
| 01/10/2023 | Yes |
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| On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. " | ||||||
| 08/23/2018 | Yes |
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| I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds. | ||||||
| 05/10/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX and XX/XX/2023, there were two unauthorized transactions made using my PayPal Debit card. One for {$520.00} and the other for {$1300.00}. According to PayPal, these purchases were made in the XXXX and in XXXX ( or some country that sounds like that ). I was never notified by Mastercard nor XXXX, the two entities that provide the Debit card that suspicious charges were being made. I did notice " pending '' purchases at " retail '' stores on my PayPal account that I did not make, those being the totals provided above. Once I called PayPal to investigate, they took my info and told me that an answer would be received in my " resolution center '' section of my account. After a few days, I noticed that PayPal had found in favor of the " Seller '', so the scammer got their goods and I am not getting my money back. I asked that the issue be escalated, and it was. I was then told that the charges were deemed by PayPal to be " authorized '' because the scammer using my card number had my " 3 digits on the back ''. I told the agent at PayPal that the card is in my pocket, and there is only one. Obviously, the card had been skimmed and these purchases were made XXXX in two different countries in STORES. They said they would look into again, and once more, they kept my money, insisting the charges were " authorized ''. Of course, I in no way every authorized these charges and was totally robbed by entities that obviously had stolen my Mastercard Debit numbers, front and back. This is a lot of money, which was part of my payroll at that time. I have the documentation from the PayPal website as well. This is an unfair business practice, as I am a victim of someone stealing my Debit card information, and PayPal is just telling me that they charges were " authorized '' and to date, I have lost my {$1900.00}. | ||||||
| 08/31/2020 | Yes |
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| On XX/XX/2020, an unauthorized transaction and hack occurred from PayPal account for the amount of {$2200.00} ; the hacker attempted to use several of my credit cards on my PayPal account, but the charge defaulted to my bank account ; thereby, initially withdrawing the said amount and thereby leaving my account overdrawn. I notified PayPal by automated response of the hack and unauthorized transaction. However, in less than 12 hours, I received an automated notice that the 'case closed ' following the statement that their investigations declared the transaction was 'authorized '. I attempted on several occasions throughout the days to speak to a live PayPal representative to help escalate the Identity Theft and Cyber Security risk to my account, but to no avail. I made a formal Police Report with my local Police Department. I also filed a FBI 'IC3 ' report of the CyberSecurity & Identity Theft. Additionally, I also filed a Federal Trade Commission report of the crime as well. My bank, XXXX XXXX XXXX, then reverse the charge back to PayPal, and PayPal then place the negative balance of {$2200.00} in their In-House Collections department. I reached out to PayPal collections to dispute the charge, but the department refuses to cooperate in an investigation, stating the case is closed and no further action is required ... they just want their money. It appears that PayPal is not taking this Cyber Security Risk and Identity Theft case seriously. I have also had to close several credit cards that were compromised, and I have had to place a Credit Freeze on my 3-Bureau 's credit reports. To date, I still have not been able to speak to a live representative from PayPal to re-open the case and to refund my negative balance. At this point, it is clear that PayPal refuses to cooperate with a thorough investigation. | ||||||
| 07/29/2020 | Yes |
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| I attempted to send {$370.00} to a friend at work who arranges sympathy bouquets and meals for bereaved co-workers. The following is the email I received from PayPal : Dear XXXX XXXX, As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$370.00} for, " Benevolence fund. '' Please provide the following information : An explanation of the reference to " Benevolence fund. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email XXXX. We thank you for your prompt attention to this matter. We apologize for any inconvenience. Sincerely, XXXX PayPal Compliance Department 2020 PayPal XXXX Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am unaware that any financial institution or company is allowed to ask for this amount of detailed and frankly personal information for a money transfer of this small an amount. Do we live in former XXXX XXXX or XXXX XXXX? I would ask that you contact PayPal and investigate this practice XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX | ||||||
| 06/10/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021, I tried to transfer a {$180.00} balance with Venmo and was surprised to hear that they had frozen my account due to a " violation of our User Agreement ''. I grew suspicious when they froze my account after I sold the XXXX that I had in my account and tried to transfer the cash back to my bank account. I received an email asking me to send in a picture of my driver license to verify my identity. I complied with that request and I promptly got with customer service via chat and spoke to representative XXXX XXXX She assured me that she would not be able to assist me because " another department is working on it ''. I asked why was it that my account suddenly was frozen when I tried to empty my small cash balance. I further explained that the monies were going back to the bank account that the funds were sourced from. I then asked why my credit card was frozen when I had never been late and they collected {$1300.00} from me in payments without a single returned payment in the month of XXXX. She said that she would not be able to help me. I let them know that I would be filing a complaint and then she said that she would have a supervisor reach out to me within an hour which never happened. Holding my funds without any explanation and not being able to provide me with information on any further action that I need to take to rectify any issues is very deceptive in my opinion and would like some help in ( 1 ) getting my funds and ( 2 ) finding out why they froze my account. I went through the user agreement and could not find any violations that apply to me as I have used their services within their standards and they even extended credit to me. Any help that your bureau can provide would be greatly appreciated. Thank you so much. I have attached the Venmo chat that took place for reference. | ||||||
| 07/12/2017 | Yes |
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| On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent. Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this. I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation? | ||||||
| 05/03/2017 | Yes |
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| I canceled a transaction on or around XXXX , the amount is {$1300.00} to XXXX . My request to cancel was not honored and my Paypal card was charged for items after being shipped, delivered on or around XXXX . M y Paypal debit card was charged on XXXX , the complete transaction is copied here : XXXX XXXX XXXX Payment - PayPal Debit Card Loading g transaction details for XXXX Payment - PayPal Debit Card - negative {$1300.00}. This transaction is a consignment, items were shipped to me and given 48 hours to return them before being charged. I received package on or around XXXX , due to a delay in not receiving them. XXXX left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the 48 hour return time frame had passed. Upon opening, it was discovered the items, XXXX pairs of mens XXXX XXXX hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on XXXX , Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the XXXX tracking number, is not available. Oddly, it does not appear in my online XXXX account, I am signed up for delivery alerts with XXXX and all packages going to and from myself appear online except for this XXXX ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal. They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise Paypal t his is all the information I have and I need credit for these missing items, even as a temporary XXXX . | ||||||
| 08/30/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation is the result of a misunderstanding or an error. I have always been a responsible and compliant user of PayPals services, adhering strictly to the platform 's policies. I would like to assert that I have not engaged in any activities that could violate PayPal 's terms of use or policies. Its crucial for me to highlight that I highly value the services PayPal offers and the seamless experiences it provides for online transactions. I have taken great care to ensure that my account is used within the boundaries of PayPals guidelines. I kindly request PayPal to reconsider this limitation by re-evaluating my case comprehensively. Mistakes can happen, and I am hopeful that upon review, it will become evident that my account does not warrant a permanent limitation. I am ready and willing to cooperate fully with any investigation that may be required to rectify this situation. I understand the importance of maintaining a safe and secure online ecosystem, and I fully support PayPal 's commitment to this objective. If there has been any unusual or suspicious activity associated with my account, I assure you it was not of my doing. I am dedicated to resolving this matter and regaining access to my PayPal account. I kindly request that PayPals team of experts re-investigate my case with utmost consideration. If the situation warrants, I sincerely hope that you will see fit to reinstate my account, allowing me to resume the normal use of PayPal 's services. I appreciate your attention to this matter and your understanding of the urgency I feel to resolve this issue. Thank you for your time and consideration. | ||||||
| 02/08/2023 | Yes |
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| On XX/XX/2023, I began doing business with a company over the internet. They charged my Pay Pal account {$63.00} on that day, and they stated that they would make subsequent charges against that account, until almost {$300.00} was paid to them. I spent the weekend in the emergency room, with a family member, who has since died, and so I paid no mind to it. On Monday, XX/XX/2023, I discovered that the company who had charged my Pay Pal account, had done so deceptively. I contacted them, in writing, several times, and I informed them that they had broken state and federal laws, and deliberately withheld facts from me, which I was relying upon when I decided to do business with them. I asked them to delete my profile and refund me, but they refused and did neither. I then provided proof to them that they had had committed statutory fraud, but they still ignored me and informed me that they would continue to charge me. So I filed a formal complaint against that business with the Federal Trade Commission, and XXXX XXXX XXXX I then went to Pay pal, and tried to stop the payment, but they forced me into an automated system, which would not allow it. I called their number, repeatedly, for three days straight, but I never reached a human and I sat on hold indefinitely. Pay Pal obviously does not wish to provide any real service, since their entire resolution process is strictly " app '' driven. Nevertheless, it's my money and my right under the law to stop fraudulent payments. For the record, I am a XXXX, certified consumer affairs XXXX for the New Jersey XXXX Attorney General, and so when I say that I was defrauded, it is with the full understanding of the law and my rights. XXXX XXXX can not just use my money as they choose, and then ignore me. I am entitled to dispute these fraudulent charges. | ||||||
| 08/31/2022 | Yes |
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Web | Servicemember |
| On Saturday XX/XX/2022 I was looking to purchase a watch online for my anniversary. I noticed the vendor accepted PayPal credit and I chose to explore that avenue for payment. I went through the application process and signed up for PayPal service where I was approved for a {$2000.00} line of credit with PayPal credit and proceeded to try to use the credit for the purchase. Here is the deceptive part. I was immediately declined and in fact my PayPal account was temporarily suspended for suspicious activity, and all I did was try to make a transaction. After getting a confirmation call from PayPal credit confirming I was making the transaction the account was still locked out. Monday XX/XX/2022 I was able to speak to a PayPal representative and restore the account but I was never able to make a purchase since the option to use my PayPal credit was not available. I spoke to several people online and on the phone trying to resolve the issue but PayPal just blamed PayPal XXXX XXXX XXXX bank ) and PayPal credit blamed PayPal. I finally got a representative with PayPal to tell me the PayPal security algorithm is what is blocking me from using the credit option but no one can tell me why. Finally using PayPal 's own community feature I found out that in most cases a new PayPal account will never be able to use PayPal credit option because the account is too new, and the system which can not be overridden must see transaction traffic on the account other than the PayPal credit up-to a certain amount before the option to use the PayPal credit is released. I have since requested a closure of my account since this was not disclosed in their fine print and that whole reason for this complain is PayPal credit has run my credit like this was a real credit card when in fact it is not, and that was not disclosed to me. | ||||||
| 10/13/2022 | Yes |
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Web | Older American |
| After many months of trying to get PayPal to send me my balance of {$50.00}. with no success, I called on XX/XX/XXXX. After a long cue I was able to speak with an offshore agent only to increase my frustration. I asked for a Supervisor numerous times before another long hold. After more than 45 minutes, I learned that although I have been a verified member since XXXX, PayPal policy will not allow them to send a check to my address of record because it is a po box XXXX In 14 years they had no problem taking money from my credit card with the billing address to the po box XXXX My account has always used this po box XXXX XX/XX/XXXX PayPal insisted on a home address ( as a victim of a violent crime mine is protected ). They asked for my drivers license. It also has my po box listed. They asked for a bank account, or a debit card. 1. I tried to add a debit card numerous times to facilitate receiving my {$50.00} credit balance. Their system would not accept it. Each time prompting me to try again later - 2. I explained this to the supervisor who walked me through the steps- again their system would not accept my valid debit card. I asked him to please send me my money. He declined. He insisted on more personal information. 3. I dont trust PayPal with my bank account based on all the complaints against PayPal . 4. I asked to close out my account- not add to their data base. 5. The Supervisor said I can not close my account with a credit balance. 6. They refuse to transfer my {$50.00} to my Visa credit card. 7. PayPal created a catch 22 situation to their benefit and consumer/ my detriment. They refuse to release my funds and refuse to close my account and remove my credit card from my PayPal account. Can you assist? Can you request my account credit balance of {$50.00} be sent to CFPB? Thank you, | ||||||
| 12/09/2015 | Yes |
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| I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing. | ||||||
| 08/21/2020 | Yes |
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Web | Servicemember |
| Continuously Hacking of cellular devices by resident in housing developement, identity theft and attempted bank fraud! With in the last 2 days, there has been attempts to hack into my bank accts, an unauthorized individual attempted to purchase a alcoholic beverage for {$53.00} at at XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX, on Thurs, XX/XX/2020 at the time XXXX using my stolen identity with a PayPal debit card linked with my XXXX Debit card! The XXXX detected the attempt, but PayPal had no record of the attempt and believe the individual was utilizing a Guest Transaction! Thare is a serious problem in XXXX with hacking of Cell phones and bank fraud! The XXXX admin. Is doing absolutely nothing about the spreading threats to senior citizens in the City! And the police dept is incapable of addressing the issue! The victims are left to defend and deal with the problem themselves! I on the other hand had decided to do my own investigation of the hacking, because of my background as a XXXX XXXX XXXX from the XXXX XXXX! I was able to trace the source of the cell phone hacking to a resident in my building name XXXX, who resides in # XXXX, XXXX, NY XXXX he has be caught using a XXXX keyboard to remotely control the cell phone! The hacking technique is called " XXXX XXXX '' it involves remote having of Wi-Fi Routers and cell phones, rerouting of emails, texts & phone calls to the hackers server, identity theft and bank fraud as well as illegal surveillance by activation of the camera and microphone of the device! It also involves stealth background operations and processing of the device applications which allows the hacker to download encoded files in relation to obtain under age XXXX XXXX materials undetected, so that they can secretly transfer it to unknown cloud accounts on the Dark Web! | ||||||
| 01/21/2021 | Yes |
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| On XX/XX/2021 I got a mail from PayPal having the subject line : We need some information regarding your PayPal account ( Ref ID - XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/2021 I provided them the requested documents that included supplier information and invoices and tracking numbers for some transactions. I also made a call to them and told them that we are the XXXX also and I have been assured on a call that it is a routine thing and it will be resolved once the information is provided. On XX/XX/2021 I got an email with the subject line : You can no longer do business with PayPal ( Ref ID - XXXX ). On XX/XX/2021, I made a call to PayPal Customer Service and asked the reason why my account got permanently limited. The representative said that she can't tell me the exact reason but it is due to insufficient/mismatch information that I provided. If so they should have asked for more or specific information rather than ending the +3 years relationship in a single go. I have been using PayPal for the past +3 years and the only change occurred was that I started receiving payment on behalf of my relative for an XXXX XXXX account. I am stuck in my native country due to COVID-19 SOP 's and doing the business from here. no explanation, no resolution to fix the permanent limitation they placed on my account. How is that even fair that they are holding my 7k+ funds till 180 days. I need to pay my employees and suppliers. I am happy to make changes in my business model if I only get some specific information about what triggers PayPal to limit my account permanently. Either I need my account to be restored or I need my funds to be released ASAP! Waiting for the timely response. | ||||||
| 08/09/2022 | Yes |
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| Hi, I have been using paypal for my business transaction. My email : XXXX On the XXXX of XX/XX/2022. I had a payment made by an Artist who emailed me for playlist placement on my playlist. He paid a sum of XXXX $ via echeck ( according to paypal ) and the money showed pending in my paypal. ( eCheck details Amount : {$40.00} USD Transaction XXXX Note : Playlist placement, Payment details, Buyer : XXXX XXXX XXXX XXXX : Playlist placement ) I messaged paypal to ask why the money was not yet in my account, and in a few hours my account was limited and I was asked to submit documents I have submitted before, I tried to comply but I was locked out of my paypal account, I couldnt access paypal via the web. I could use just the app and in the app it was impossible to send pdf. I contacted paypal again asking how I would be able to send the pdf file ( bank statement ) which proves my identity and address. In a few hours I recieved another email saying my account has been permanently limited ( banned ) from paypal. I tried messaging via the message centre but it was closed. I couldnt contact paypal. I have done nothing wrong by recieveing payment for spotify playlisting services. I have tried to message them via XXXX but there is no response. I was permanently banned on XX/XX/2022, XXXX XXXX. This is an unfair treatment because I hav n't done anything wrong. I have conducted buisness in a fair and legal way. Also paypal promotes buyers to scam me, because some artists after being playlisted and recieve streams, they claim they have not recieved streams and file complaints to get their money back after I have done the job. Since its a digital product, even if I send proof that this artists have recieved streams paypal always judge to the favour of the buyer leaving me at a loss. Please I want my account back. | ||||||
| 08/17/2021 | Yes |
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| On XX/XX/XXXX PayPal has put a hold on my account with a positive balance of {$280.00} USD. A XXXX of mine XXXX accidently sent me a double payment of {$380.00}. The first payment from XXXX made on XX/XX/XXXX was put on hold after I was cleared of the new seller status and Paypal advised that no other payments would go on hold. However this payment was put on hold so Paypal advised that I tell XXXX to do click " confirm delivery '' in the activity section of the payment. I tried to explain this to XXXX twice but again there's a language barrier. I sent XXXX a paypal link on how to complete the steps and she some how manage to send the payment again. Paypal then puts that payment on hold and then puts my ENTIRE account on hold. I called customer service to have the hold lifted since it was an accident, could provide proof and refunded the customer. The rep then tells me to upload my ID, I told her " no '' and that I shouldn't have to jump through hoops for something that was an accident on the buyer 's part. The rep puts me on hold and then comes back saying there's another account of mine ( it's not ) that owes money and until I resolve that, they will not release my {$280.00}. I spoke to another rep and she said the account hold was BECAUSE I owed money. It was then verified that the " account step to resolution '' wasn't added to me account until TWO HOURS afterwards. Which the second rep said is " weird '' and if my account was locked because I owed money, that would be there first. The first rep also argued stating that I had to upload my ID because my account was " new ''. My account is no longer new and was reviewed per Paypal 's policy at 90 days and I was removed from the new account status. I just want my money released back to me, I have nothing to do with that other account. | ||||||
| 03/05/2021 | Yes |
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Web | Older American |
| XX/XX/2020 I was notified by Paypal that my account of 19 years was being permanently canceled due to my having used, fraudulent or stolen information when I opened my account. As I had had my account for nearly 20 years it seemed to me that there was an error that needed correcting. I contacted them by telephone that same day and was told that an appeal would be opened and that I could xpect to hear vrom them within three days. Having not heard back from them by Wednesday, XX/XX/XXXX I called again and was informed that the person with whom I first spoke was in error and that no appeal was possible. I have a cash balance of {$60.00} that they have impounded for a period of 180 days. I stated that I did not agree to that length as appropriate but the Paypal representative with whom I was speaking said it was in the user agreement. My position is that I have not violated the user agreement and they have not offered any proof that I have or even said specifically what the stolen or fraudulent information thay accused me of providing was. To accuse someone of providing stolen or fraudulent information is a serious charge. It needs to be backed up with facts and the person accused should have the opportunity to present any information that would be exculpatory. To make a blind accusation and use it as a predicate for impounding funds in their care is a dangerous prerogative they are assuming unto themselves. There is also the humiliation of being treated as a criminal after so long an association and to have scheduled payments suddenly not being met is deeply embarrassing. I believe I am entitled to a hearing to show that I have not acted in a manner as accused and that my account should be restored and their practice of arbitrary decision taking needs to provide for dialog in matters of disputes. | ||||||
| 01/12/2022 | Yes |
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| On XX/XX/XXXX I made a money transfer to a friend using the app Venmo, a PayPal entity. My Venmo account is linked to my checking account at XXXX XXXX. XXXX XXXX had, unbeknownst to me, placed a hold on my account to investigate a potential fraudulent transaction. Due to that account hold, my Venmo transfer failed, and as a result, Venmo froze my account. I was unable to move any of my funds in Venmo out. After speaking with customer service, I was told that if a friend sends me money using Venmo, it would unfreeze my account. I tried this and it worked. However, when I tried to transfer money to friends that I owed, the Venmo app denied my transfer and gave me an error that I was no longer allowed to use my XXXX XXXX account because of the previously failed transaction. I contacted customer service again, and they are requesting a copy of my bank statement so that they can review the statement in order to allow transfers to and from that account. This seems highly inappropriate and intrusive - that a digital wallet company should want to see my private bank statement without logical justification. Even brick and mortar banks would not ask for this due to a failed bank transfer- they would simply wait. a few days and try a third or fourth time. Venmo. has told me. I can redact any information I want except for my legal name, the bank account number, and one successful transaction after XX/XX/XXXX. First, I do not have the ability to redact that information. Second, even if I did, who is to say a curious member of their review team could not unmask that information. It's not right for them to ask me for my bank statement for an issue that wasn't my fault. Even if I was at fault, it's not an appropriate solution. Venmo should allow me to make a third attempted transaction using my XXXX XXXX account. | ||||||
| 11/05/2021 | Yes |
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| I was in process of initiating two payments to XXXX XXXX. When I started typing XXXX 's name the Venmo app algorithm automatically suggested a wrong recipient : XXXX XXXX. Not paying attention, I clicked on the name that the Venmo App was recommending. I would not have clicked on the wrong name if the Venmo App had not recommended that I click on the wrong name : XXXX XXXX instead of the person I intended to send the payment to XXXX XXXX. XXXX XXXX is a former XXXX I had exchanged XXXX-related emails with 5 years ago when I was attending the XXXX XXXX XXXXXXXX XXXX I never had any financial transactions with XXXX XXXX. I barely know him. I never had any transaction with XXXX XXXX using Venmo. There was no reason for Venmo to auto-populate his name in the recipient field. I think that doing so was deceptive and took unfair advantage of the fact that was not paying attention and assume that the Venmo XXXX would not mislead me. After realizing and immediately notifying Venmo of the error, I asked Venmo to reverse the transactions. Venmo first made me believe that they will reverse the transactions. Two days later, Venmo claimed that after mining some data about me, without my consent and without even telling me which data they mined, they noted that I have exchanged some emails with this former classmate 5 years ago and that was ground for them to deny the reversal of the erroneous transactions. This decision from Venmo is unfair, deceptive, and abusive. It was unfair and deceptive to use their algorithm to prepopulate the recipient name field with the wrong individual using stale 5-year-old data mined without my permission. It is abusive to harm me by refusing to reverse two transactions due to an error that Venmo Algorithm initiated by auto-populating the recipient filed with the wrong name. | ||||||
| 10/01/2021 | Yes |
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| In XX/XX/XXXX I was requested by Paypal to confirm my identity by submitting a photo of my ID and a proof of address. I provided a copy of my passport and a proof of address issued by a government agency to confirm my identity, but the proof of address was not considered valid. Therefore, I sent another proof of address, issued by another government agency, but it was refused for the second time. On XX/XX/XXXX, I was informed that my PayPal account was closed because of security issues and that my balance of USD XXXX would be held for 180 days. After several attempts over the course of the years XXXX and XXXX, in XX/XX/XXXX I was finally given the option to withdraw my fund by linking a bank account and transfer the funds. Unfortunately, I can not link the bank account as expected and receive the following error messages : " Sorry, were unable to link that bank because it is disabled. Please try another bank. '' or " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account ''. I have contacted customer service without success as the customer service representatives can not help me solve my problem or give an explanation as to why this is happening. Their only suggestion is to try again after 48 hour. It is worth mentioning that I have waited 72 hours before each call, but I keep getting the same results. I have let the representatives know about this situation, and they say they can not give any other solution other than keep trying every 48 hours. I have been calling every three days for a month now with no luck. I feel hopeless with my funds being trapped. Therefore, I respectfully request your help in solving my problem and get Paypal to allow me to withdraw my funds that I earned with honest, hard work and that I very much need. | ||||||
| 08/14/2020 | Yes |
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| My identity was stolen online. Charges are being made to my PayPal which draws from my bank. They have my drivers license # and necessary info to make charges to my PayPal account that appear to be authorized. Untrue. I can not close the Paypal because they have an existing amount pending as soon as funds are available in my bank account. The transactions were made through PayPal on XXXX the name used on both charges of {$440.00} and {$450.00} XXXX XXXX XXXX. The XXXX was taken out of my bank account on that date. The account was drained and the other charge awaits. because they have the existing charge I can't close the PayPal to stop them. I have notified my bank and they are working on reversing the one charge and then we will close my bank account. But Paypal needs to close my account those charges do not continue. They posed as the security system on my computer so I let them work remotely on desktop computer. they said I was going to get my annual fee returned because of Covid19. I thought since they knew my fee they were legit. In the amused process they claimed they were having difficulty depositing into my bank, so they took me through PayPal and XXXX XXXX which needed a copy of my Drivers License which I sent email picture of. They posted {$2000.00} to my bank account which I could see and they sent a printed copy of to me via my printer. Themn I was supposed to purchase giftcards for XXXX each on different credit cards and I could use that XXXX to reimburse the credit cards i would us. Only my debit card was used to buy a XXXX XXXX gift card for XXXX. I gave him the number of the card. when I got back home none of {$2200.00} could be seen in my bank account. They had me believing that my computer was under threat from four countries so my security needed to be changed for each of them. | ||||||
| 01/06/2023 | Yes |
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| On XX/XX/XXXX, I made a small deposit ( {$39.00} ) to XXXX XXXX sportsbook using my PayPal account. The purpose of this deposit was to enable PayPal as a withdrawal option for the money I had in my XXXX XXXX sportsbook account. Throughout the course of events, I continued to receive deposit errors for subsequent and larger deposits which lead me to have the attached customer support conversation with XXXX XXXX sportsbook. Per the customer service agent, the only way I could deposit using PayPal would be to add a card to my PayPal account. The other deposit method available to me in the XXXX XXXX app was to add my card directly in their app rather than PayPal. From XX/XX/XXXX through XX/XX/XXXX, there were {$34000.00} in withdrawals from XXXX XXXX deposited to my PayPal account. There were times when I then attempted to redeposit to XXXX XXXX using PayPal - and again I received the same deposit errors. So I just retried those deposits using the other method - from my debit card directly in the app. On XX/XX/XXXX, in an effort to not lose any more of my winnings, I requested a XXXX month self exclusion from XXXX XXXX sportsbook. I received confirmation of the exclusion on Monday XX/XX/XXXX. This means that I can no longer log in or use this vendor. I then checked the transactions section on my PayPal account and saw that there were a bunch of transactions going back to XXXX XXXX. I immediately contacted PayPal and disputed those transactions since the self exclusion was already in effect. PayPal denied my request within less than a couple hours and sent an automated response. I have appealed this decision multiple times and provided documentation, and PayPal denies the dispute each time. This has been a gut wrenching experience and Im surely not the only customer who has had to deal with this. | ||||||
| 03/25/2021 | Yes |
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Web | Older American |
| venmo refused to release my funds even after a 180 day hold venmo closed my account without nontice as to why and put a freeze on my funds i contacted then on many occassions for the last 6 months in XX/XX/XXXX i got an email stating that my account was closed but with no stated reason and that i will not able to use their service and that the funds that are in the account will be on hold for 180 days and upon the complete of the 180 days i will get an email requesting were to transfer the funds to I have yet to receive that email and i have not been able to get any resolution or reason for then holding my funds for i have submitted all the documentation that was asked of me to verify my Identity and the only answer that i have got is that there was nothing more that can inform of nor could they even give me a reason why they said that this is being handled through a special department and they will contact me in 5 business day via email this has yet to be received they are holding over XXXX XXXX dollars of my funds for no reason I have been using venmo banking for over 2year and i have never had any issue untill now.. the last conversation i had with them was on XX/XX/XXXX and the rep told me that this is under review and that it could take up to a year for this review to be completed but not for sure and yet still no reason was given to me as to why for the hold I have had no issues as far as charge backs, disputes. or even NSF payments or deposits this is unfair and in valid banking i have followed and did all that was requested by venmo i have waited out the 180 days I have followed the policy and proceedures why is it that i cant get my money and why cant they honor and follow their own policy and proceedures their actions that they are doing to the consumers can not be legal for them to do. | ||||||
| 07/16/2020 | Yes |
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| I purchased some items from XXXX and paid with my XXXX XXXX Credit card through Paypal. The items came up to XXXX in total. The items was supposed to be delivered in different boxes by XXXX and XXXX. The box that was supposed to be delivered by XXXX was left outside by the door and or misdelivered. I never seen the items in that box that amounted to XXXX The rest of the items was delivered to me successfully. I then called XXXX spoke to XXXX and she credit me in the amount of XXXX for some of the items in that box but not all. She could not refund me the full amount of what was in the missing box because " There is a certain Limit of what she can refund '' she suggested I called my credit card company and file a dispute. I called XXXX XXXX and asked them to chargeback XXXX only for the items I did not receive I had already included the XXXX refund from the XXXX. There was a item that i received from the other part of the shipment that I returned to XXXX and received XXXX refund. That refund was also not included in the chargeback. A few months later I get a email from paypal that because of the chargeback I initiated I was double credited in the amount of XXXX and that paypal would limit my account until I paid amount to remove that limit from my account. I had a hard time calling paypal because of the pandemic, So I sent online messages and uploaded correspondence to paypal trying to show them that I indeed did not owe XXXX. I called on XX/XX/XXXX and got a response that the amount owed was sent to paypal internal collections. I again sent statements proving to paypal that XXXX XXXX only charged back XXXX and not the full XXXX. They finally closed my account today and claim I still owe paypal XXXX XXXX. I can no longer send them a message in regards to my account or balance or use the account. | ||||||
| 06/25/2019 | Yes |
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| On XX/XX/2019, at XXXX XXXX XXXX XXXX XXXX, I tried to use my PayPal account on my phone, and I was unsuccessful. The account was locked, the email did not unlock it, chat was not offered on the app, initially was not provided with a customer service to call. After several attempts to reset via email and texts, I was provided access to customer service at XXXX. I spoke with XXXX, she wanted me to use my computer, which I did not have immediate access to. She had me try the browser on my phone and again it did not reset. Eventually she had me delete my app and reload it, that failed, She then tried to get me to set up a new account. I did not think that was a good idea, even though she said she would transfer the money to the account. Then when I agreed to use my computer, the attempt still failed. She put me on hold, and when she returned told me it would take 24 hours for me to access my money. I told her I thought that was against the law because there was no question about who I was or whether the funds were legitimate. It is a {$50.00} account. She said that was what had to happen. I said I would report it to the governing agency and she said that was ok. I asked her who governs PayPal and she put me on hold, then sent me a new email and asked me to try again. I did try and that time it worked. I am very unhappy about the difficulty I faced logging in and the poor help I was provided. The biggest problems were being told I would have to wait 24 hours to access my account during a business week and then being asked to set up a new account which she could transfer my funds to. XXXX told me my call was recorded. I would like communication with someone in authority at Pay Pal or know that someone in governing authority addresses this at Pay Pal regarding this issue and how it will be resolved. | ||||||
| 05/14/2018 | Yes |
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| on XX/XX/18 I attempted to transfer {$740.00} from my PayPal business account XXXX into my main business bank account. When I attempted to do so I received a security check for this transaction and was told there would be a delay and that they would have to review this transaction first. I contacted PayPal via their customer service line at XXXX PST on this day and spoke with XXXX operator number XXXX as he identified himself. I inquired about this transfer hold and he said it was a risk notification from " their algorithms ''. I said " What risk would that be as this transaction isn't outside the scope of our normal business? '' I mentioned that we did have an open dispute with a client but we had already submitted our proof of service to counter this claim. He said that there were XXXX 's of things the system looked at and that it was proprietary. I told him that if I walked into a bank and they placed a hold on a transaction they'd have to explain why and that there are regulations for holds like Regulation A, B, C etc ... He told me that they were not a bank but a payment processor and the only rules that they had to adhere to was regulation E. Surprising that he knew regulation E for someone who didn't know that there was a regulation A B C and D. He then told me that this was a part of the user agreement that I agreed to when I signed up. He said I could click the legal link at the bottom of the page. I asked him to point me to this specific area where I could find this user agreement. He told me he didn't have time to direct to me to his user agreement and that I should find it myself. So he couldn't tell me why the transfer needed an additional review and he refused to direct me to the policy and there are no rules it's just whatever the system says. This makes absolutely zero sense. | ||||||
| 03/02/2021 | Yes |
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Web | Older American |
| I have a PayPal account and a PayPal credit card and a XXXX XXXX Checking account. If I use PayPal, or the PayPal credit card the charges are then debited from my XXXX XXXX Checking account.. Recently there were two fraudulent and unauthorized charges I was alerted to by PayPal. One was a debit from XXXX for {$240.00}. I contacted XXXX and they said there was no record for that amount and date for purchases or charges anywhere on XXXX. They said it was most likely fraudulent and I never authorized it. The other was from XXXX XXXX for {$50.00}. I did make political donations to politicians during the election cycle and I noted each in my checking account. I STOPPED making any further contributions after the last elections in Georgia. This charge was not one I had authorized and it was dated AFTER the last election and was not one of the ones I had checked against my checking account. I disputed both with XXXX XXXX on my checking account and they researched both of them and determined they were fraudulent and XXXX XXXX noted in writing " We have completed our research of your inquiry and returned the charges unpaid. As a result no money was deducted from your account '' I have filed two claims disputing both charges to PayPal and each time they have denied my fraudulent/unauthorized claims and I even spoke to PayPal people several times and quoted XXXX XXXX to them and then filed a dispute with them on their denial. They are still denying my dispute and claiming that I owe them {$290.00} for both fraudulent charges. Please help me get this resolved. They keep sending me notices and phone calls. I should not have to pay them since XXXX XXXX returned them as unpaid and determined they were fraudulent and even XXXX says there was no purchase or credit so it was fraudulent and unauthorized. | ||||||
| 10/12/2017 | Yes |
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| On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place. MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD | ||||||
| 05/27/2021 | Yes |
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| I opened a PayPal Business Account to receive registration fees for a XXXX XXXX Course that I XXXX. There is a set fee of {$250.00} per student. I sent the students the QR code and the link for them to make payments. I was receiving payments just fine and PayPal set up a Key Code for me to use when making purchases online. I had begun to use the funds to make purchases for class lab materials. One of the students sent his PayPal registration payment to one of my university emails. Rather than have him resubmit using the PayPal link, I just added my email address to the PayPal account. The money was then received. We have two other instructors so I added the first one 's email address and she was notified and accepted. I tried to add the second one 's email and PayPal said that it couldn't be added. That was no problem because they hadn't received any payments to their email address. A little later I got an email from PayPal saying " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' PayPal did not give any specific reason and when I called, the person on the other end was utterly useless and simply sent me an email saying it I wanted to know anything more, I'd have to get a lawyer to send an official request for information or begin a lawsuit against PayPal. Now all my monies are tied up, students who haven't paid can no longer pay their registration fees, my orders for lab supplies will be cancelled for lack of payment, and class starts in less than 2 weeks. PayPal gives no means by which I can find out what they think I did wrong or how to appeal their decision. I had the account for only a few weeks. PLUS I'm sure that PayPal will keep all the service fees they have charged me thus far. | ||||||
| 05/12/2015 | Yes |
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| I order an item ( XXXX ) via online on a website ( XXXX ) which is operated by lucky way trading limited ( with email XXXXXXXXXXXX ) but my order did not came. I waited for it for almost a month but still it did n't came. I paid them via paypal, but since the item did not came i contacted the seller regarding this matter. This seller gave me the tracking number of the item but when i checked it on our local post office here in XXXX they confirmed that it was reshipped back to the sender ( which is the seller ), at first the seller replied thru email but insisted that it was delivered, but after a few exchange of emails the seller had confirmed and send me an email that the item was reshipped back to them and also confirmed it from our local post office via the tracking number they have given me that it was reshipped back to the seller, with this the seller asked me if i want it to be reshipped back to me but i refused and asked for a refund instead, but after that email that i want a refund the seller had ceased and stop replying my emails, i even tried contacting the seller via telephone but they do n't answer anymore without refunding me. with this action that the seller had shown i complained to paypal ( which where i made the payment but paypal had just closed my complain because the seller gave them a tracking number which is still not updated during the review of paypal that said it was delivered to me, but paypal did not asked the seller if it was resend back to them because if paypal just checked the tracking number many times they can see in there that it was resend back to the seller ). Paypal closed my dispute and adviced me to communicate to the seller, which i tried many times but the seller did not answered any of my emails and calls and it seems had no plan of refunding me. | ||||||
| 11/21/2023 | Yes |
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| I received a direct deposit style debit card in the mail through Venmo that I had not applied for. My social security information has been compromised for some time now, so I immediately called Venmo to have this account/card cancelled which they happily did. They stated I was not responsible for charges. However, the problem I have is that my information is entirely frozen on all credit and banking bureaus, including XXXX. From my understanding, financial institutions such as Venmo are to request my information from XXXX, being that is is the banking record bureau, before opening a new account in my name. If they had done that, they would have seen my account was flagged and denied the fraudulent account. Clearly, they did not follow through with with responsibility. When talking to the agent, I asked why this consumer protection measure was not done. We went back and forth for several minutes, with him telling me that how was information is used is a " trade secret '' and he can not reveal trade secrets to the laymen like myself. However, I was simply asking why they had not done what they are, by law, supposed to be doing whenever a new account is requested. After several minutes of a runaround, with him admitting no fault and refusing to actually answer my questions, I simply gave up attempting to get an answer. He then said it would be escalated to a manager who would erase any charged brought onto the card. I asked if I could expect a call from said manager, with a report of what charges, if any, were made in my name. Again, I was told this was " trade secret '' information because it reveals how their company deals with fraud. Overall, it seemed like a very shady practice, and the company is not fulfilling their duty of checking credit and banking reports before opening a new account. | ||||||
| 06/21/2022 | Yes |
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Web | Servicemember |
| XX/XX/2022 and XX/XX/2022 Disputed amount : {$130.00} USD XX/XX/2022 at XXXX XXXX PDT You appealed the outcome of this case by providing the following additional info. Everything I did was over the phone. I have no document I can upload. I called XXXX back in XXXX or XXXX to have my services canceled due to their ties with XXXX. It was all over the news that XXXX could use XXXX to cause damage to the US network. When I saw I was charged again for the services, I called XXXX and they were no help, and said I had to call XXXX. When I called them, they were also no help, but said they were unable to find any account. Neither company XXXX or XXXX is willing or able to help resolve this issue. I do not have the software installed, I am unable to even download said software because I have no account. If is matter is not resolved I will take the action further to DFPI and FTC, and if I have to I will also file with the court. I called and had the services canceled and I bought XXXX for my services. It is not my fault they didn't do their job correctly. Not all companies allow customers to cancel with ease online. XXXX is a company that I was unable to find how to cancel online, so I had to call and cancel. I will not use a service that has ties with XXXX and could harm the US. XX/XX/2022 Spoke to the seller ( XXXX XXXX XXXX ), and the seller said they could not help I had to call another company ( XXXX at XXXX ). I called the other XXXX and they were unable to find my account in their system. I asked to speak with someone else, but they were unable to transfer me to speak to anyone else. I canceled my account with them back in Late XXXX or early XXXX due to security concerns with XXXX having ties with XXXX. All Services have been deactivated on all my systems, and removed from all my systems. | ||||||
| 11/08/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account with the email address XXXX. First and foremost, I believe that this limitation may have been imposed in error. I have always strived to use my PayPal account in full compliance with PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe action, and I take my responsibilities as a PayPal user seriously. I kindly request that PayPal conduct a thorough re-evaluation of my account and the circumstances that led to its permanent limitation. I am confident that upon review, it will become evident that I have not violated any PayPal policies. Having relied on PayPal for my online transactions and payments, the permanent limitation of my account has caused considerable inconvenience and disruption to my financial activities. I humbly ask PayPal to reconsider its decision and, if possible, to reinstate my account, enabling me to resume using your platform for my online transactions. I understand that PayPal 's primary concern is to maintain the integrity of its platform and protect its users. I assure you that I share these same goals and am committed to using PayPal in a responsible and compliant manner. I kindly request that you provide me with an opportunity to address any concerns or issues that may have led to this limitation, and I am more than willing to cooperate fully to resolve this matter. I appreciate your attention to this appeal and kindly ask for a prompt review of my case. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing. Thank you for your understanding, and I look forward to a favorable resolution of this issue. Sincerely, XXXX XXXX | ||||||
| 04/26/2023 | Yes |
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| To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account. On XX/XX/XXXX, I received a notification from PayPal stating that my account had been permanently limited due to a violation of their acceptable use terms. The notification referenced selling items, which was confusing because I have never used my PayPal account to sell anything. I have only used it to make purchases and send/receive payments from friends and family. I contacted PayPal and spoke to a supervisor who stated that they could not provide me with any information on the ban and that there was no appeal process. I find this unacceptable and unfair, especially since I have never had any issues with PayPal in over a decade of using their services. I was not notified of any suspicious activity beforehand, nor was I given the opportunity to appeal the decision. Additionally, none of my purchases have ever violated their acceptable use policy, as they are all from vendors who use and partner with PayPal. As a result of this permanent limitation, I am now unable to fulfill subscriptions and payments that I use to run my wife 's and my businesses. This has caused a significant disruption to our operations and has negatively impacted our income. I believe that PayPal 's actions violate the Consumer Financial Protection Act, and I request that the CFPB investigate this matter. I am requesting that PayPal immediately lift the permanent limitation on my account and provide me with a detailed explanation of the violation that allegedly occurred. I also request that PayPal establish a fair and transparent appeals process for customers who have been subjected to permanent limitations without notice or explanation. Thank you for your assistance in this matter. | ||||||
| 03/28/2023 | Yes |
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Web | Older American, Servicemember |
| On XXXX XXXX, 2023 I attempted to purchase an item for {$86.00} from a website. I used Paypal to complete the purchase. I did not realize until it was too late that the website directed me to a Paypal portal that I was unfamiliar with and where the monies were withdrawn from my account immediately and I would not have the normal Paypal protections to insure I would receive the item or my money would be refunded. I immediately relogged back into my paypal account and tried to cancel the transaction. On the paypal site I was able to send the seller a message to cancel the item. I did this but I have not received any notice back from the seller that the transaction was canceled or any conformation that I would receive the item I purchased. I attempted to file a complaint on the paypal wedsite resolution center but was not able to do so because of the way the payment was made. I called paypal and spoke with customer service and was told also that because of the way the payment was made there was nothing they could do. The customer service gentleman told me to be more careful in the future. I told him there website showed that the payment was still pending and why can't he put a hold on the payment until the issue is resolved. I told him I felt I was tricked by the website into making that type payment and I felt Paypal should have better protections on their website for the consumer. He said he would pass my concerns on to higher management. I feel the website I went to is a scam. I used paypal to pay for my internet purchases because I thought I would have protection from them from scammers. I feel the scammers found a loophole in Paypal 's payment system and are exploiting that loophole. I would like you all at CFPB to press Paypal into closing this loophole. Thank you, XXXX XXXX | ||||||
| 02/04/2023 | Yes |
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| On XX/XX/22, my friend sent me repayment for a vacation we were taking together for {$290.00} on Venmo. That {$290.00} was deposited from Venmo to my bank account on XX/XX/22. On XX/XX/22, I received an email that the transaction between us had been marked as fraudulent, and as such, Venmo would hold the funds and withdraw them from my account while they investigate the dispute. My friend confirmed her bank account was hacked and this was marked as fraudulent, and she was dealing with Venmo and her bank. I emailed Venmo on XX/XX/22 with screenshots of the agreed upon amount between us and confirmation that the amount had already been deposited in my account. They responded to me that this process could take up to 75 days and I couldnt do anything. In the meantime, I received a payment from someone else for {$150.00} on Venmo for something completely unrelated and Venmo took that amount to help repay the {$290.00} they had over drafted my account. My account is frozen and the only way to unfreeze it is to pay {$140.00} that I do not owe anyone. The bank determined my friend was hacked, Venmo helped her re-open her account. I was not hacked and the payments between my friend and I have been solved. Theres no outstanding balance between my friend and I, however Venmo keeps telling me the only solution is to get repayment from my friend. They also have not sent her any money. If she sends me money, which she doesnt owe me, Venmo will take {$140.00} of it so Im still not receiving the full amount either way. Venmo will not respond to me and every response is to only do transactions with people I know and trust. I cant close my account because of the balance I owe. As of now, I want the {$150.00} Im owed returned back to me and to have my account closed. Im at a loss as to how to progress this. | ||||||
| 07/21/2020 | Yes |
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| My girlfriend sent me {$5000.00} on XX/XX/XXXX using Paypal to help pay for some work we are having done on our house. I tried to send the money from my PayPal account to my bank but was declined by PayPal. I tried to call PayPal to get the issue resolved but was unable to speak with anyone. I then tried to use the chat but have not been succesful in getting my issue resolved. Because of the way the chat works you send a message and someone answers a few hours later which makes it impossible to get anywhere. My communication has streched over 6 days and I stil l dont have access to my funds. First they suggested I withdraw the money in smaller amounts which really does me no good becuase I needed the money in a timely fashion. I tried to withdraw a smaller amount and have the money sent to my bank but was declined. Then I tried withdrawing a smaller amount using a card and was successful but this menthod has fews associated with it that the other method does not. Also the amount I could withdraw was a fraction of what I needed. Then they told me to set up a 'Cash Account ' and try to withdraw the money which I did and then was still unable to withdraw the money. They then got a specialist for me who told me to refund the money back to my girlfriend. I tried to do that and was unsuccessful because my bank declined with insufficient funds, although why I need any funds from my bank I dont know. All I am trying to do is refund the money that was sent to me. At this point I dont know what to do because Im afraid to cancel the refund or to try to withdraw the money again beause I dont want to be charged any additional fees. The most frustrating part is there is no one to call to resolve this I just keep getting a chat bot on the website. and I have been without access to my money for 6 days now. | ||||||
| 12/13/2018 | Yes |
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| I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient. | ||||||
| 12/12/2017 | Yes |
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| On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''? | ||||||
| 10/05/2023 | Yes |
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| " I am deeply concerned about the way the card company has handled my situation. First and foremost, I feel my privacy has been violated as they required me to upload sensitive medical documents related to a XXXX XXXX, which I consider highly insensitive and an invasion of my privacy. Additionally, despite submitting relevant medical documents, the card company seemingly ignored this evidence, showing a lack of proper consideration for my claim. This negligence in evaluating my situation has caused me significant emotional distress, especially given the sensitive nature of my circumstances. Furthermore, the company failed to verify the missing payee information, despite the evidence I provided. This negligence on their part has not only caused me financial distress but also emotional turmoil. I believe I have been exploited as a vulnerable individual in this situation. Being XXXX XXXX of making such deals, I was taken advantage of, which I consider a form of financial exploitation. Moreover, it appears the company engaged in fraudulent activity by manipulating information in their computer system to secure insurance, protecting themselves while causing me substantial financial harm. As a result, I have suffered a significant loss of both money and property. The unauthorized contract, made with a person who had a representative payee, who was not present during the transaction, clearly indicates an unauthorized agreement. This, combined with the company 's deceptive practices, has left me in a dire situation. I urge the CFPB to investigate these matters thoroughly. The company 's actions not only violate consumer protection laws but have also had a profound impact on my life. I seek justice and restitution for the harm I have endured due to their unfair and deceptive practices | ||||||
| 11/28/2022 | Yes |
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| I have tried for the last two months or so to update my business PayPal account with a new bank account. I was first told by a representative that I could not add a new account at that time because there was a security block on the account that prevented me from adding a new account. I was told to wait 24-48 hours and to try again. I waited, tried to add the same account, and was still told that it could not be added. The representative transferred to their supervisor who straight told me that the system won't allow me to add that account. So... I waited for a few days and tried a different account with the results, being told that there is a security block and I would have to wait 24-48 hours. I tried after 48 hours with the same results. Again, I spoke with a supervisor who stated " security block, 24 -48 hours ) but this time they said to NOT do it through my PayPal account but to call in. That was Monday the XXXXXXXX XXXX. Today, Monday XXXX, well over 48 hours, I call PayPal to add the bank account and was told that they can not add it. I kindly asked the agent to try a different account and, once again, that account could not be added either. I asked for a supervisor, and I respect this supervisor 's transparency even without showing any real concern for my issue. I was told that I have added and removed too many different bank accounts over the TWENTY ( 20 ) plus years of my PayPal account and that the " system '' will not allow me to add any new accounts and that there is nothing they ( PayPal ) will do to fix it. While I know that are Term limitations for adding the SAME bank account a fixed number of times, I have NEVER seen anything stating in clear account details or restrictions that there is a limitation over the life of the PayPal account for different bank accounts. | ||||||
| 06/04/2018 | Yes |
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| {$700.00} was sent to me through paypal by a real person who I met physically. He then tells paypal his card and phone was stolen a week later and files unauthorized use. Paypal debits the {$700.00} from my account resulting in a negative balance and a debt on its way to collections if I do not pay it. I have already submitted a payment to the collector who called me on their behalf. I should not be held responsible for a person trying to take advantage of the protection in place for people who actually lose their things. He is obviously lying and he did send me the money I watched him do it. My credit score is important to me I can not have this debt go to collections nor can I fully afford to pay such an unexpected amount in the 120 days which as I am typing its down to 80 or so left. Paypal refuses to help me and sides with the buyer/sender. I am unable to fight or respond to this in any form. He was able to open a case and have it closed in his favor with no defense allowed on my behalf in any form. I asked is there anything I can do they said no, and I owe paypal the money in question. This is ridiculous, I have done research and many others like myself have lost way more money due to people doing this to them in this exact same way. They make a purchase from you or send you money then turn around and say they did not do it. Then your stuck owing money to the company they used to to send said money. In this case its paypal. They will not help me I need some form of help. They even have in their fine print any problems you have with us they'll hire their own lawyer/arbitrator and you'll be billed for it and im sure he or she finds in their favor. How can they be allowed to do business like this and we the consumers lose no matter what and can not even do anything to defend ourselves? | ||||||
| 03/15/2022 | Yes |
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| On XX/XX/XXXX of XXXX, I reached out to PayPal requesting that my personal information, as well as that of my business be erased as neither of these accounts have not been active since XXXX. Given that PayPal is in fact headquartered in California, does business in the state of California in excess of {$25.00} million annually, and has the personal information of at least 50,000 consumers, the provisions and protections afforded to consumers under the California Consumer Privacy Act do apply. I received a response from PayPal informing me that it was company policy to hold personal information for a period of 10 years, and that my information would not be deleted as a result, a clear violation of state law. They cited exceptions under the law, none of which apply to this old account or my particular situation as justification. They suggested that I close my account, but that the information would be retained even if I do so. This is about as clear a violation under the laws of my state as there could possibly be. Federal regulators have the authority over financial services companies, and PayPal is no exception. I ask that the consumer financial protection bureau investigate and take appropriate action to ensure all my personal information for both my personal and business accounts are erased in compliance with California state law. This includes my name, banking information, social security number, transaction history, banking information, credit card information, address details, emails address, password information, IP addresses, device information, and other personal information held by PayPal. I would also request that PayPal close both my personal and business accounts, as they are no longer and active and have not been since XXXX. Thank you for your assistance in this matter. | ||||||
| 05/24/2021 | Yes |
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| On XX/XX/2021I used PayPal to make two purchases from what looked to be wayfair. The purchases totaled {$98.00} and {$97.00}. I utilized PayPal to make the purchase. After 3 days I reached out to the company about my order and to get a tracking number but did not get a response. On XX/XX/2021 I went back on to the website but when I went on it, it showed a warning that the site was a phishing scam site. So I filed a dispute with PayPal so that my money would be refunded. I included pictures of what the site is now saying when I go onto it. PayPal emailed that they would get back with a response. XX/XX/2021 PayPal emailed me that the seller provided a tracking number and now I have to contact them. I got back to the sellers website and it no longer exists. Also the tracking numbers given both show that they had been delivered XX/XX/2021. It doesnt show that they were delivered to my specific address, just shows it was delivered to a city and zip code and in or near the mailbox. Nothing from this company was delivered to me and if it had been, there would have been several boxes as I ordered an 8 piece patio furniture set and a gazebo. PayPal now wants me to contact a seller that doesnt exist and will not refund my money because the seller provided a false tracking number. Also should note that I have a video of the mail collected on the presumed date of delivery and also have alerts directly from USPS showing exactly what is coming to the mail and how many pieces are in the delivery for XX/XX/2021. Also the tracking numbers both have separate places of origin as well as 2 different sellers but were ordered from the same place. I will be providing these as evidence to support my claim as well as providing a copy of my identification to show that my address is accurate as well as my name. | ||||||
| 01/08/2023 | Yes |
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| On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating " Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. ". On XX/XX/XXXX PAYPAL sent another email stating " Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. If PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved | ||||||
| 07/13/2022 | Yes |
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| On or about XX/XX/2022 I noticed that when I tried to transfer my mother-in-law {$35.00} for my monthly gym membership my Venmo account was locked. I reached out to Venmo on XX/XX/2022 to inquire about the " frozen account '' and see what I needed to do to resolve the issue. The first person I spoke with informed me that I should have received an email from a " specialist '' and that I needed to respond to that email with the required documents and information needed to have my account taken from a frozen status. I explained to the customer service agent, that I never received any emails from Venmo or a specialist, and even checked my junk mail in my email. Also, on the same phone call I confirmed my email address with Venmo to make sure they had the right one on file. A second phone call was placed to Venmo support in regards to the same issue, my account was still frozen five days later and the issue still has not been resolved. When I reached a customer service agent, I explained to him that previous issue I was having and went over with him what was told to me by the previous customer service agent. He then told me that I should still needed to look for that email and when that email arrives to respond to the email. on XX/XX/2022, I sent an email to Venmo Support outlining my ongoing issues and also requesting assistant from them on helping me get my account out of a frozen status. As of this filing, I still have not received an email from Venmo, Venmo Support, or a Venmo Specialist to correct my ongoing issue. My account as of XX/XX/2022 is still locked and I am still unable to use my Venmo account. Attached you will find email corespondent between myself and Venmo Support in regards the ongoing issue with my account still being frozen, even after their quoted time frame. | ||||||
| 10/04/2023 | Yes |
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| My PaypaXXXX account was suspended and my funds are being held for up to 180 days in contradiction with their own User Agreement. This happened on XXXX : The message that I got after my account was reviewed was and I quote : " We've reviewed your PayPal account again, but we're still unable to make the money in your account balance available for withdrawal at this time. This is because we must allow sufficient time for buyer complaints, such as chargebacks, to be opened by customers who've sent you money in the past. These can take several months to be reported and resolved and because they can result in financial loss, we need to leave money in your balance to cover any such eventuality. '' This is also the reason stated in their User Agreement. I insist again, for the review team to reconsider my release of funds as the above condition does not apply to my account any longer because : -There was only one person that sent money to my account and they used their Paypal balance, so there is no posibility of a card chargeback for any transaction made to my account as they did not pay with any card or bank account. -All transactions made to my account has been already disputed and all cases were decided in my favor so there is no longer a risk of any case or dispute being open for any of my transactions, and so the risk for a financial loss to Paypal is no longer a factor that exists. My funds are now being held beyond the reason for witch they were being held, again the 180 days hold is to allow for any chargeback and/or disputes to happen, but chargebacks can not happen as explained above and all possible disputes already happened and they were settled for all transactions made to my account. The Paypal company now holds my money in contradiction with their own User Agreement. | ||||||
| 10/01/2022 | Yes |
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| VENMO has not provided the services advertised regarding cash app money transfers. Everyday I call VENMO to question why my transaction has not posted according to their disclosed time frame of instant transfer and up to three days for standard transfer. It appears they have issues regarding what is considered normal customary transactions vs questionable transactions??? The problem now is they have again blocked my account from allowing instant transfers. I tried to do an instant transfer to my bank, as I have done many times over the past year, and discovered instant transfers were disabled. It was their recommendation to test a standard transfer and once complete, it was possible instant transfers might start working again. The standard transfer was successful and only took one day for the transaction to be completed. Knowing I had to get the remaining money from my VENMO account transferred to my checking account to cover an upcoming mortgage payment, I submitted a standard transfer which was disclosed to occur within three days. A week later the funds did not transfer. They are being withheld by VENMO for no reason, especially having same type transfers occur in the past, for much larger amounts. All VENMO can say is " we are sorry for the inconvenience ''. This issue caused my mortgage payment to be returned because funds initiated for transfer over a eek ago did not process because VENMO blocked the transaction. I have called them everyday and still nothing they can say or do to tell my why they did not transfer the funds??? This has caused an extreme financial hardship because I have been charged a late fee for my mortgage payment and a 30 day late payment reported to the credit bureau. If VENMO would have completed the transfer as disclosed, I would not be having this issue. | ||||||
| 06/15/2019 | Yes |
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| Dear Sirs, XX/XX/2019, I started a company for myself to do flooring contracting. I needed to have a payment processing services. After doing some research, I reach out to PayPal and opened my account with them. My first few payment transaction was having problem as PayPal was requesting me to provide them documents to proof to them that I have a legitimate business. they requested my EIN, articles of corporation and a photo ID. I had all the papers sent to them the same day. One week later, another few transactions were held by PayPal limitation department. Now, this time, they requested me to provide them with invoices that were used to charge my clients, again, I provided them statements and information of my clients for confirmation. Then, one week after that, they added another limitation for the third time on my account. this time they need me to provide them with the last 6 months of bank statements. I mentioned to them I opened my bank in XX/XX/2019 and can only provide 3 statements. the Rep. told me that is fine, I uploaded them, after that, they said we need the last 6 months of your previous merchant account statements. I told them that PayPal is my first payment processing service. I've never had another one as my business started in XXXX Finally, I spoke with the manager and explained everything all over, the manger XXXX was very disrespectful and rude to me. He told me that PayPal doesn't want to provide me services anymore and will hold my funds for 180 days from the time it charged my clients. He didn't want to listen to me, he wasn't willing to work with me to get this problem taking care of. He also refused to allow the funds to be transferred earlier than 180 days. I need help to have them releasing my funds immediately please, it has been almost over 30 days. | ||||||
| 05/24/2017 | Yes |
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| I no longer accept the terms of agreement governing the account under PayPal account with the username XXXX. This is a individual tax payer, single beneficial owner account that was inadvertently upgraded to business account. On multiple, documented, occasions I have requested a downgrade to a simple XXXX personal transaction processing account. Subsequently, this business account has been limited. I am no longer able to : send money withdraw money from my account close my account remove a card remove a bank account I have sent communications in regards to this issue with no reply. In addition, I have spent several hours on the phone explaining the issue multiple times with multiple customer support representatives. I spoke directly with XXXX XXXX, manager in customer support and fraud, on XX/XX/XXXX. I explained this lingering issue once more and that it had been ongoing for more than a month. On XX/XX/XXXX, I contacted customer support again and spoke with XXXX ( Emp. ID # XXXX ). He indicated that XXXX did open a ticket - # XXXX but there has been no resolution from compliance. During the phone calls with customer support, I advised that I would allow an additional 24 hours before contacting the ( Audit, Risk, Compliance ) ARC committee of the board, and filing a complaint with the Consumer Financial Protection Bureau. Unfortunately, this letter is the documentation and confirmation that the status on my account has not changed. In additional to this communication, I am not opposed to taking additional steps to bring this issue to the attention of the media, my congressional representation, the California State Attorney General, the Illinois State Attorney General, the Federal Reserve Board ( FRB ), and the Securities and Exchanges Commission ( SEC ). | ||||||
| 01/11/2021 | Yes |
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| I am a XXXX XXXX who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX a I am a XXXX XXXX who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX agreed to refund all payment that were submitted to them. Prior to receiving the refunds back from XXXX, Paypal elected to limit my account and state that I could not conduct any further business through them without any explanation. However the debit card business Mastercard that I used to submit payments to XXXX was linked to this account. XXXX has dispursed the refund back to the Mastercard due to their refund policy which states they will only refund back to the original method of payment. BUT due to the fact Paypal limited my account the refunds have not appeared back to my Paypal account. XXXX has stated and provided dates that they sent refunds back to that card which are as follows : XX/XX/XXXX20- {$150.00}XX/XX/XXXX/20- {$100.00}XX/XX/XXXX/20 - {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$100.00} XX/XX/XXXX/20- {$140.00} XX/XX/XXXX/20 {$400.00} I have contacted Paypal and they keep giving me the run around and I even have reached out to the issuing bank The XXXX who is the Paypal Mastercard card issuer and tried to even get this resolved with them and have a open ticket with them which is # XXXX since XXXX. It is now XXXX and no one has called me back. XXXX has advised my clients that I have been refunded and they are irate because I havent refunded them and I cant refund what i dont have. I need someone to see where are these funds because XXXX has stated and provided dates that they sent refunds back to this Mastercard in which funds have never been applied. | ||||||
| 09/18/2015 | Yes |
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| I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions. | ||||||
| 08/16/2023 | Yes |
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| To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. Sincerely, XXXX XXXX | ||||||
| 09/26/2023 | Yes |
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| I made a purchase of an electric dryer from XXXX XXXX on XXXX/XXXX/XXXX and paid {$660.00} using my PayPal account., the order number is XXXX. The order includes, cable, 30 ft hose and haul away the old dryer. XXXX XXXX came to my house on XX/XX/XXXX to deliver the new dryer. However, XXXX XXXX did not provide all the supplies required and paid for the installation. They left the dryer uninstalled and left. I called them on the XXXX of XXXX, and they were supposed to call me back. No one called me. Then I sent them an email asking them to take the dryer back. NO Response. I have attached a copy of that email here. I then hired another contract and bought the missing parts and installed the dryer, The missing parts that I paid to XXXX XXXX costs {$30.00} and spent additional {$100.00} to complete the installation. Since XXXX XXXX did not respond, I file a dispute with PayPal. I submitted all the information abut PayPal asked me to submit more information, which is basically, same information that I have already submitted. Yet, I resubmitted all the information and proof. After waiting for a month, PayPal sent me a generic email that my dispute is closed since the item was changed and they can not determine what happen. So, do these people at PayPal expect me to watch the uninstalled dry for over a month? I doubt Pay Pal did any investigation as they have not shared any outcome or vendors response with me. This makes me believe that PayPal is in improper business practice. PayPal misleads consumers and provides false information. I want PayPal to refund the {$30.00} for the parts that their client XXXX XXXX failed to deliver and an additional {$100.00} that I paid to the 2nd contractor. I also want PayPal to completely close my account that I was not allowed to do. | ||||||
| 03/12/2023 | Yes |
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| I opened a PayPal account about two months ago, since then I have been able to only complete two transactions and even that was difficult. I have verified my identity and banking information, I have a verified email and phone number, no history of fraud in general or with the company. Every transaction I try to complete is Denied. They blame the banks for this and act like they play no role in it, but all my accounts linked to PayPal give an alert for a declined transaction and never once have I gotten one and the banks dont even see an attempted charge! First for me to send money or make a payment it wants to send me a code to verify my identity. Shouldnt be an issue Since I have a verified number on my account. Well that number doesnt show up as an option and when i enter it to add it it says this type of number can not be used! Its a XXXX post paid phone number in my name! Someone was able to send me money but it was denied by PayPal when I tried to transfer it out! It wouldnt allow me to refund it out because it wanted to send me a code to my verified number that they struggle to figure out. I was forced to send the money as a bill payment to XXXX just to get it out of PayPal because I do not trust to have any funds held in their control. Ive Been blocked from being able to utilize almost all the services they offer. When I call In its a different story every time, the most common story is their security systems blocked it. Well i have a right to know if there is a security issue with any of my personal information. In fact they are obligated by the patriot act to inform me of any negative information that leads to a denial in hopes to catch if money laundering is taking place. They offer no remedy and the people you get on chat or the phones are a special breed of their own | ||||||
| 10/23/2023 | Yes |
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| On XX/XX/XXXX, I received a transaction that equated {$450.00} from an XXXX XXXX on PayPal. This was sent with PayPal 's Friends and Family service, which is a payment method used for gifts of money that are not intended to be disputed with. On XXXX XXXX, I received an email stating that XXXX had opened an " Unauthorized Transaction '' case against me, along with a message that XXXX used as a scare tactic against me. " Hello XXXX. As you probably know, you may show a transaction in error. We are working to correct this issue for you. You can reverse the payment in order to speed up the process, and reduce the risk of federal violations associated with the RICO act. I had confirmation from the sender himself that he had meant to send this transaction. I uploaded all of this information on XXXX XXXX XXXX XXXX. On XXXX XXXX I received an email from PayPal stating that the case was closed in my favor and that the matter was done. After all, I had substantial information that the case was not an unauthorized transaction. On XX/XX/XXXX, nearly a month after the dispute was initially resolved, I received an email stating that PayPal was charging me for the money, as well as charging me a {$15.00} dispute fee. I called PayPal about this and requested more information about what happened, especially since I thought it was ridiculous that I was being charged for a matter that was resolved one month prior. PayPal simply told me that the other bank had new information that resulted in the charge-back going through, and did not provide me any more details on what happened or why the case was being resolved in this way. I thought PayPal had done proper research into this matter, and I just want to see if there is a resolution to this matter, as I thought PayPal would back me up on this. | ||||||
| 01/18/2023 | Yes |
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| On XX/XX/2023 {$40000.00} was paid to my Paypal account from a client for a service ( general contracting ). As of today, I've only been allowed to withdraw {$10000.00} of the money that is sitting in my Paypal account. Simply, I have not been allowed access to the remaining $ XXXX. When I called customer service, I was initially told I needed more information to confirm it was a legitimate sale and I am the legitimate account holder. I provided them with two forms of ID, a copy of my bank statement, my business license, insurance info and the buyer/sender/client got on a three way call and confirmed it was a legitimate sale. He also did what they asked him to do online. I've been calling everyday to gain access to my funds. Each time I call, I'm given a different excuse... XXXX always ends with them telling me it is a large amount of money and it triggered their security measures. " Wait 48 hours ''. They can not identify an issue on my end ; they have confirmed that my bank account checks out, my identity, the client confirmed the legitimacy of the transaction and the money cleared, they have all of my information, nonetheless, they claim there is no person to override the system which is preventing me from withdrawing my money. " The money is in your account ; our system is just blocking you from withdrawing it ''. I am a XXXX XXXX XXXX I find it unacceptable that Paypal is allowed to take 2.99 percent of the money paid to mXXXX XXXX an extra fee that I knew nothing about- then hold my money for an indefinite time. It feels like extortion. Based on their cavalierness during discussions, I can not imagine that I am the only one this is happening to. There needs to be some accountability on their part. Equally important, I need them to release my funds. I hope you can help! | ||||||
| 10/25/2022 | Yes |
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| I happened to be arrested on XX/XX/2022. I was in holding until XX/XX/2022. While I was incarcerated my ex roommate stole my wallet that included this PayPal debit card amongst various other debit and credit cards. He also stole some of my electronics to include a phone and a laptop and my car while I was XXXX. When I got out of XXXX I noticed about a week or so later that my accounts were used while I was in XXXX I started contacting all of my creditors about what happened and they all reversed any charges that was not mine while I was XXXX besides Paypal! This dispute was opened XXXX XXXX and closed out and denied the very next day on XX/XX/XXXX. I don't even think anyone looked at my claim for unauthorized charges. Once I have learned that paypal denied my claim, I immediately contacted PayPal to say there is no way I could of made these purchases because I was physically unavailable and provided them a letter from the XXXX XXXX that shows my XXXX dates. However this was not good enough for them. PayPal 's position is that since the debit card was used and a pin was used that I must of given him permission to use my accounts. However XXXX has declared that is not a sufficient reason to deny a claim for unauthorized usage and I supplied them with XXXX 's determination, however they still denied my claim. I then filed a police report and supplied them with all of that information to no avail and never had these reconsidered again! This is utterly ridiculous as I was not available for these transactions, I did not give the person who stole the information my cards and credentials and these should be covered under XXXX and PayPal zero liability benefit for unauthorized usage of my account. Please help me try and recover from these 7 unauthorized charges to my account! Thank you. | ||||||
| 04/15/2021 | Yes |
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| ( Note : This is copy and pasted from the report I filed against PayPal on XXXX ) On XX/XX/2021, PayPal put a sudden and unwarranted permanent limit on my personal PayPal account after receiving a small payment for buying another coworker lunch. I then spoke to XXXX, an employee of PayPal, to try to resolve the problem. He had me submit my Drivers License to prove my identity. However, after waiting the 3-5 business days to have the problem solved, nothing changed. After calling them again on XX/XX/2021, I was then told that my account is now permanently limited due to " high risk '', preventing my from accessing the funds on my account. They explained that their internal system automatically did this and offered no explanation about how I broke the agreements between me and PayPal that caused this action. Later in XXXX, I tried calling them again but I think they have black listed my number. I keep getting hung up on after the system tells me about the call being recorded. I also tried calling them through the account cancellation line, but I have been on hold with no one to talk to me for over 12 minutes. Usually, I get an offer to press 1 and have them call me when it's my turn, but I didn't even get that message. The calls that prove my claim are attached to the message as an " XXXX '' sound file. On XX/XX/2021, I messaged them on XXXX to try and resolve it from there. Like they said while on the phone in XXXX, they said the account was permanently limited after a review and offered no answer why. They insisted that the decision will not be reversed. I want to have my account back as their actions are a breach of the contracts between us since they refuse to provide proof that I have violated any agreement. The reference ID for the permanent limit in question is XXXX. | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request a thorough re-evaluation of my case. Firstly, I want to emphasize that I have always strived to comply with all of PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. I value my PayPal account for its convenience and security and would never jeopardize its status. I understand that PayPal takes its policies seriously, and I respect that commitment. However, I firmly believe that this limitation may have been imposed in error. I would greatly appreciate it if you could re-examine my account 's activity and reconsider this decision. My intention is to continue using PayPal responsibly, in full compliance with your terms of service. In light of the above, I kindly request that you initiate a thorough review of my account. If, upon review, you find that there has indeed been a mistake, I respectfully ask that you reinstate my PayPal account. Regaining access to my account would greatly assist me in managing my finances securely and efficiently. I am truly invested in resolving this matter amicably and hope that PayPal can provide the opportunity for me to clarify any concerns or issues that may have led to this limitation. I am ready to cooperate fully and provide any necessary information to facilitate this process. Thank you for your attention to this matter. I look forward to your prompt response and the possibility of having my PayPal account reinstated. Your assistance in resolving this situation would be greatly appreciated. | ||||||
| 12/19/2017 | Yes |
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| On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX after sending the money to their account. I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report | ||||||
| 10/10/2022 | Yes |
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| The hassle is all across the selections. Ive been on the phone with paypal today alone for 5 calls and theyve been giggling on the phone so i suspect employee tampering... I REPEATEDLY have added my new number only for it to vanish or be reoeatedly prompted by the site/app to add it. When i do, it takes, UNTIL needed for verification then suddenly its gone and it refuses the number when prompted for re-entering it manually. I get emails that my account was successfully unlocked, only to try logging in and gettig the above scenario, or some other endless round of security which i pass, but am still locked out. Same when i call. For WEEKS. I pass the security checks, AND AM TOLD ITS UNLOCKED only to Still be locked out. This evening, I finally gained access, only to find that my balance seems locked. It wont even let me use my balance for PRODUCTS AND SERVICES IN THEIR APP!! I CANT TRANSFER MONEY VIA **ANY** OF THEIR *MANY* TRANSFER OPTIONS AND CALLING CUSTOMER SERVICE IS JUST MORE PASSED SECURITY CHECKS, AND BEING TOLD ITS FIXED WHEN ITS NOT. The cs agents REFUSE to connect me to a supervisor and i wasnt even able to close the account. This clown TellS me " please hold while i write your check ''. As if the cs agents are actually in there writing out checks for remaining balances... Needless to say it didnt take long to realize he wasnt returning. Or was going to Drag it out till i got annoyed and gave up. I want my balance usable so i can empty it and let the account die. Im out of weeks/days/hours to sit on the phone getting the runaround from their staff who laugh it up and seem to continue to trigger new lockouts and fund freezes, unauthorized phone number changes and removals, etc. I DO NOT buy that ALL OF THIS NONSENSE IS SOME ENDLESS " GLITCH ''. PLEASE HELP!! | ||||||
| 11/13/2020 | Yes |
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| I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 3. I still have not received any emails or guidance on how to access my balance. 4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer. 5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP. | ||||||
| 05/13/2020 | Yes |
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| I have been a paypal account holder since XXXX. In XXXX, my paypal account was deactivated ( without explanation ), locking me out of my account. I have repeatedly to access my account, contact paypal, and have my account unlocked and have since received funds into the account for which paypal will not let me access. After more than 10 calls, I was finally transferred to an external party which noted I had 'collections ' on my account in the amount of ~ {$60.00}. The individual at the debt collection firm spent almost 45 minutes on the phone with me trying to understand what my collection was for. I was supposed to be provided evidence of the case, and more than one year later, have still not received any information from the debt collection agency, from paypal, or from any other source. I am a XXXX XXXX XXXX and have no clue 1 ) why my account was suspended, 2 ) why it has been on placed for collections, and 3 ) what is being done about the situation. I provided all needed information and requested clarity on why my account was locked and what this was for. Unfortunately, more than a year later, paypal will not speak to me, and transfers me ( continually ) to an outside debt collection agency for charges I have yet to have seen, while simultaneously locking me out of my account with no explanation. I have no clue what charges are being referenced and have a perfect FICO score. I can no longer tolerate paypal to lock me out of my financial account with 1 ) no comment on why my account was locked, 2 ) use of a debt collection agency which can not confirm on charges posted, and 3 ) prohibit access to my account and funds. I need to access to my account, the funds held within the account, and interest on those funds that have been inaccessible for more than a year. | ||||||
| 05/04/2015 | Yes |
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| Experienced identity theft fraud involving my PayPal account. Someone obtained my PayPal password and used it on XX/XX/XXXX to make an eBay purchase ( not from my account ). Paypal reversed this charge and password was changed. Despite this, on XX/XX/XXXX my account was again used to make XXXX eBay purchases for computers, shipping to a name/address unknown to me. On filing claim, PayPal positively closed XXXX case in the amount of {$2100.00} but on other virtually similar case for {$2200.00}, PayPal closed case upholding the transaction. As of XX/XX/XXXX, they are still planning to submit an ACH bank account withdrawl from me for {$2200.00}. This despite calling their fraud department twice to appeal and sending them further documentation, which I had informed them included police report and FTC complaint. Not only am I suffering from identity theft fraud, but PayPal is treating me as the criminal instead of the victim. I simply can not understand their actions here despite informing them via phone this violates Fed Regulation E as pertains to fraudulent transactions. This is complete fraud! The transaction did not come from my eBay account and was not shipped to me or to a person I know. I 've been a member of PayPal since XX/XX/XXXX and never had such transactions on my account in the past 15 years! Since this occurred, I have filed XXXX, AZ police report, filed FTC identity theft complaint, filed FBI Internet Criminal Activity Report ( IC3.gov ), placed a fraud alert on my credit bureau files, and notified my bank. I would like help in communicating/discussing with PayPal at higher levels than their front line customer service agents which appear unable to understand or resolve the issues. I 'd like PayPal to remove the XXXX fraudulent charge as they have the other XXXX. | ||||||
| 04/05/2023 | Yes |
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| XXXX notice on XX/XX/23 from PayPal requesting money in amount of {$990.00} I did not approve this transaction. I called the customer service number in the PayPal app and got a man speaking in a XXXX XXXX accent. He said the the payment was already processed ( eventhough I could not see it on my end ) but not to worry their company was going to credit my acct. all I needed was a computer so they could establish a secure site to transfer the money. This app they had me DL was very suspicious the screen kept going black for min at a time. The first time they attempted the credit my checking acct they said it didnt go through correctly so we would need to do two separate transfers. On the next attempt another glitch happened and the system xfrd XXXXXXXX instead of {$500.00} ( of the {$990.00}. ). I was told this was a huge problem that had to be fixed right away and I would need to go to a XXXX or XXXX right away XXXX all I would have to do is swipe my card. I told them I did not feel comfortable w this & wanted to call my bank. They said I could not do this bc I was on a secure line and I could not under any circumstances end our call. The manager on the phone told me the IRS could already be involved and that if I didnt do as they say I could face federal charges. They said there were trying very hard to help me, and to prove so, if I cooperate with them they will give me a {$100.00} reward, but its extremely important that I hurry. Nothing they were saying felt right so I hung up. They continued to call repeatedly a half a dozen times. I immediately called my bank and they confirmed that the money these people had transferred to my checked account was actually pulled from my savings account. I wish to have all of my accounts flagged for any suspicious activity. Thank you | ||||||
| 06/29/2022 | Yes |
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Web | Older American |
| XX/XX/22 : Purchased merchandise ( XXXX items ) from XXXX for {$110.00}, paid via XXXX ( linked to XXXX XXXX ). XX/XX/22 : Initiated return of XXXX ( totaling {$95.00} ) of XXXX items ( facilitated via XXXX ). XX/XX/22 : XXXX received in XXXX PA ( XXXX returns ) by XXXX. XXXX spoke with XXXX in late XXXX about refund status; was advised that they only had a record of receiving XXXX XXXX I items I returned. XX/XX/22 : XXXX issued a refund for this item only, for {$42.00} ( XXXX ) through PayPal to XXXX XX/XX/22 : Initiated " dispute '' through PayPal for the second item in the amount of {$52.00} ( XXXX ). XX/XX/22 : decided to report disputed amount to XXXX ; XXXX credited my account for {$52.00} for the disputed item while they attempted to resolve it. XX/XX/22 : PayPal emailed me to say they would not go further with their dispute, as XXXX was now involved. XX/XX/22 : XXXX recovered the {$52.00} for the second item, which was credited directly & permanently to my XXXX account. XX/XX/22 PayPal has now charged me {$42.00}, claiming I got duplicate refunds -- one from them and one from the dispute handled by XXXX -- and is asking me to pay them {$42.00}. I received a total of {$95.00} for XXXX items, both shown on my XXXX account statement. XXXX acknowledges they made both of these refunds. XXXX claims they have no roll to play here as they recovered the disputed amount of {$52.00} for the returned item XXXX could initially not locate & I was already credited with {$42.00} for the other item by XXXX via PayPal. After XXXX hours on multiple calls, with multiple people, PayPal insists they must recover the {$42.00} from ME and are treating this, rather aggressively & unsympathetically, as straightforward debt collection, claiming I received an extra refund. I did not. | ||||||
| 12/11/2019 | Yes |
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Web | Older American |
| XX/XX/2019 online form transmissionTo whom it may concern at the Consumer Financial Protection BureauOn XX/XX/2019, I sent $XXXX via PayPal to XXXX XXXX but PayPal took my money and still has not given it to XXXX and even after my asking for it back, PayPal would not give it back, even after multiple phone calls made by me to them. They infer that they can hand on to the money as long as they like it since they deem it to be a 'suspicious' transfer. That is theft in my mind, holding on to my money because they consider it to be suspicious. If it's so suspicious, they should just send my money back. I suspect they are punishing me for selecting the option of 'sending money to friends and family' instead of selecting the option of it being a business payment. That is not a crime. It's a choice since XXXX is also a friend of mine who pays his own taxes and is responsible for this income and any taxes owed from it, if any. But this is a lame excuse for withholding money.They insisted that I give them the date of birth of someone named XXXX XXXX since the name 'XXXX XXXX' was typed in the notes area of my transfer. XXXX XXXX was not involved with this transfer and he is a third party so there is no legal reason why PayPal has to ask for his date of birth. XXXX is merely a book author I promote and I use subcontractors to help promote him. XXXX XXXX is one such subcontractor.Please have PayPal either give the money to XXXX or refund it back to me. Let them know that they have no legal right to require an unrelated 3rd party to provide their date of birth. This makes me look bad in the eyes of my book author and my contractor. PayPal has harmed my relationships and repubtation. Thank you for helping remedy this injustice.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX | ||||||
| 02/21/2017 | Yes |
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| During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide. | ||||||
| 11/21/2023 | Yes |
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Web | Servicemember |
| The " Venmo '' response does NOT address the original complaint. I believe Venmo is violating the law by refusing to delete my personal data and account from their system. Venmo repeatedly references its Terms and conditions, which do NOT exempt Venmo from the law, which includes a requirement to delete customer accounts and data when requested and not demand new personal data to do God only knows what with. I refuse to be a Venmo customer. I find their company behavior to be repulsive. CFPB and the federal government NEED to take swift action against Venmo instead of enabling this behavior which is also outlined in great detail on XXXX XXXX XXXX where countless Venmo customers share disturbing and alarming first-hand experiences. I will NOT provide any further personal data to Venmo ever. The original complaint remains : " '' Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this. '' | ||||||
| 09/05/2022 | Yes |
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| I have a small DJ business that i run on the side for some extra money. XXXX XXXX hired me to XXXX her daughter 's graduation party. I have a signed and dated contract with XXXX that I've sent to paypal showing that we have business together and both parties agreed to do business through paypal and for the amount disputed. XXXX attempted to pay me through paypal. She frivoulsly typed in XXXX XXXX and paid {$370.00} to the first name she saw. It was not me. XXXX and I conferenced called PayPal to notify them what had happened. PayPal did nothing. The person she sent the money to gets to keep the money and Paypal took no action practically laughed it off. XXXX then sent the money to me a week later through paypal. Paypal without notifiying me took the money out of my account and sent it back to XXXX. I have not been paid yet and its now 3 months later. So some guy that didnt do anything got {$370.00} and my customer got free DJ service. I did 10 hours of work and have got nothing. PayPal went into my accoutn and sent XXXX {$370.00} just on their own accord. I've been ripped off despite doing the work, XXXX gets free DJ service and some other guy named XXXX gets a free {$370.00}. Despite BOTH XXXX and I calling together to notify PayPal what had happened they still gave the money to the wrong person, stole money from me and gave it back to the customer even though I am the only one out of the group who did the work and deserves the money. PayPal refuses to reverse the transaction and has done nothing to rectify the situation. I have yet to get paid and the other guy and XXXX made off with the money. PayPal stole my money and sent it to XXXX. In XXXX stole my money and gave it to some stranger for work that I had performed. I am furious. PayPal refuses to do anything about it. | ||||||
| 04/08/2015 | Yes |
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| I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need. | ||||||
| 10/13/2023 | Yes |
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| Subject : PayPal Account Limitation Appeal Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account associated with the email address XXXX. Firstly, I would like to emphasize that I firmly believe this limitation was imposed in error. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. My account has always been used in a responsible and lawful manner. I kindly request that PayPal undertake a thorough review of my case. I understand the importance of upholding the integrity of the PayPal platform, and I respect your commitment to ensuring the security of all users. However, I believe that an erroneous decision has been made in my case, and I would greatly appreciate it if you could re-investigate the matter with utmost care. My PayPal account has been a valuable tool for managing my financial transactions, and its continued accessibility is of great importance to me. I kindly ask that, if upon review, it is determined that no violations have occurred, my account be reinstated promptly. This will enable me to continue utilizing PayPal 's services for my personal and business needs. I want to assure you that I take the use of PayPal very seriously and would never engage in any activities that could jeopardize my account status or the trust of the PayPal community. I sincerely hope that this issue can be resolved amicably and promptly. Please let me know if there are any specific steps or information required from my end to assist in this process. Thank you for your attention to this matter. I look forward to a swift and fair resolution. Sincerely, XXXX XXXX | ||||||
| 04/18/2017 | Yes |
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Web | Servicemember |
| I was notified b y Paypal o n XXXX XXXX XXXX that my account had been limited '' what in our experience is usually high risk ''. I called Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that Paypal can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on XXXX XXXX XXXX , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used Paypal when XXXX or XXXX . I spoke with another gentleman on XXXX XXXX XXXX who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed. XXXX ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all Paypal w ill tell me is to high a lawyer. | ||||||
| 06/27/2021 | Yes |
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| This is XXXX, Venmo froze my account n XXXX the money, they did it twice to me before that with PayPal. We need to contact the district attorney and ny state attorney general. They are not allowed to get away with thisPeople that run companies in such a negative manner are toxic to society, they can take what they want, when they want, change this policy and that policy whenever, however, freeze accounts/unfreeze accounts and hold our share for their own XXXX XXXX/agenda ( s ). So I suppose while we are being ripped off, trying to make an honest living, Similar issue just happened to a friend of mine trying to pay me for rent. They paid the wrong person by mistake and now have frozen her account which leaves me left without the funds. If this isnt resolved quickly we may be looking for a new place to live. So frustrating and their support people are evasive and refer you to email only. Absolutely unacceptable customer service., I found that my venmo account had been frozen and all of my funds that I had at my disposal were being held. I spent countless hours chatting with a vast army of representatives before finally hearing from an account specialist via email. They stated that I had broken one of their policies and that my funds could be held for up to 180 days for loss prevention purposes. I stated that the only loss was my money. No matter what I did, they still have not told me exactly why my account had been frozen. I have XXXX XXXX and some change lock in my venom account and for trying to transfer out to my bank my account was frozen and after complying with thier requests for my back account statements my account was no link nger available to me with my money taken by them This is total XXXX we all should stand together and file a law suite against these XXXX | ||||||
| 08/21/2018 | Yes |
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| On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails. | ||||||
| 10/13/2015 | Yes |
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| XX/XX/XXXX I made a purchase for about {$300.00} using PayPal account I had for a few years. A year before that I cancelled by phone the PayLater account I also used with PayPal previously because I did n't want the automatic PayPal charges to that account that started to happen. At that time, on the website I also made sure that my PayPal account is linked with a bank checking account and XXXX of my credit cards that I wanted to use as paying sources. It stated in PayPal instructions that linked accounts are used by default. I use PayPal infrequently but for a few purchases after that I verified that charges were indeed correctly billed on my indicated personal credit card. The purchases in XX/XX/XXXX, however, were charged to a " PayPal Credit '' which I did n't know about and never signed for. I only learned that from PayPal email that stated I owed PayPal Credit {$50.00} in interest. I made several calls to PayPal explaining how I was ignorant of this change in my account, did n't authorize it, and counted on this large purchase to be payed off from my linked personal credit card so I obtained the miles and other advantages. I asked to be allowed to pay this debt to PayPal using my credit card but this was refused by the technician and his supervisor because, I was told, PayPal Credit accepts bank checks only. If I do n't pay as directed, my credit rating will suffer, I was told. I asked that the PayPal Credit card ( with a credit of {$2000.00} ) be immediately closed. PayPal complied with this but will not let me pay off the debt with my linked credit card and has now charged {$100.00} in interest. I would like to know how to proceed with PayPal regarding such ruthless disregard of a costumer and their unauthorized pushing of an unwanted credit card. Thank you, XXXX | ||||||
| 07/03/2022 | Yes |
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| On Venmo, my daughter set up a new account so someone could transferred {$200.00} to her. When she tried to deposit in her account it said her bank wasn't supported after they had verified when she set up her account and it was fine. So, she tried to add her bank debit card and Venmo locked her account. She asked me to help so I went to their customer service chat and they told me she had violated their user agreement. I asked to escalate it and I received an email to send her driver 's license so she did. Then, I got an email to send a picture of her holding her driver 's license which she did. Then, she was told, " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Thank you for reaching out to us. My name is XXXX and your case has been escalated to me for further review. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' She needs this money and has no intention of using this service after that. | ||||||
| 09/19/2019 | Yes |
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Web | Older American |
| An XXXX purchase for {$140.00} from a PayPal vendor was unsatisfactory ( Seller had sold me an unauthorized and ineffective DNA service kit from XXXX ) on XX/XX/2019. I requested a credit from the vendor through PayPal by filing a dispute. PayPal told me to contact XXXX instead because the original charge was made to my XXXX XXXX card. I then contacted XXXX for a credit. XXXX issued the credit onXX/XX/19.Subsequently, PayPal issued a credit to my XXXX card on XX/XX/19. On the same day,XX/XX/19, I received an email from PayPal saying I owe them {$140.00}. XXXX XXXX appropriately issued a debit on XX/XX/19 so that there was not a duplicate credit on my XXXX. OnXX/XX/2019 I received another email from PayPal again stating I owe them {$140.00}. I owe nothing. I received the credit to offset the disputed charge, resulting in a zero balance receivable or due which was the fair resolution to this issue. However, subsequently, PayPal responded to the original complaint XXXX that they had ceased collection efforts by accessing and taking from my account the {$140.00} cash balance in the PayPal account I set up. This is an inappropriate resolution, as this resulted in PayPal taking {$140.00} to pay for the service I did not receive. The vendor has not been held accountable for a refund as should be the case and I am still owed back the {$140.00} from PayPal. The XXXX net activity resulted in {$0.00} to the credit card account, which was the appropriate outcome -- no charge due to no service received from vendor 's sale. However, the PayPal action to take cash from my PayPal account remains a net cost to me of {$140.00} for a service I did not receive. Moreover, the PayPal " resolution center '' doesn't allow a dispute, forcing me to resort to the CFPB for assistance. Thank you. | ||||||
| 11/07/2021 | Yes |
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| It first started with XXXX I was selling some of my personal guns and ammunition during the last pandemic back in XXXX XXXX needed the money, and gun and ammo prices were high because of shortage.All my sales were legal and every gun was sold through an XXXX dealer as the law states and not directly to individuals. one of XXXX acceptable payments was Paypal. So i made some transactions through Paypal at the customers 's request, transactions were going smoothly at first the i receive some email from Paypal asking more details about transactions, stating that it was standard procedure because i was still a new seller, asking me about products details and tracking numbers stating that it was also to guarantee buyer 's rights. Then the surprise me with a temporary freeze of my account until i answer some of their questions and provide them with proof of sale and proof of purchase and also tracking numbers with XXXX. after my full compliant they unfroze my account and i continued selling. Until the decided to permenantly terminate my account and hold my money for 180 Day claiming to make sure no buyers complain on my products and transactions. Which no one ever did and i have a great rating on XXXX. I waited and waited, calling Paypal every now and then with no direct answers to my question of what happened to my money. 180 days minus 4 days i call and descovered that my balanced was XXXX. My balance was XXXX $ and they confiscated the whole amount. i was really struck by a lightning then. their answer was that i violated their policy term and i owed them all my balance. to begin with, i sold my personal belongings to get some financial stability during the bad times we passed through. they took all my money. Well not took but stole my money. Thank you for Understanding. | ||||||
| 05/11/2021 | Yes |
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| Several attempts have been made to resolve with both the seller, XXXX and PayPal ( guaranteed protection money ) to no avail. On XX/XX/XXXX XXXX I saw an ad for patio furniture. I bought using PayPal to ensure protection value ( receipt provided ) XXXX XX/XX/XXXX XXXX I went to the email confirmation to check tracking information. Clicked on Order # XXXX, this link directed me to store details, immediately it then directed me to a Store Fraud link ( screenshot below ). I emailed the seller contact listed to CANCEL ( XXXX ). I contacted PayPal XXXX and filed Case # XXXX stating Unauthorized Transaction ( since i canceled ). I received another receipt email stating Payment CANCELED ( screenshot below ) XX/XX/XXXX XXXX I went to PayPal and found that they closed the case stating it was not unauthorized. I had received a Failure-Notice email on that contact email provided. I re-Opened another case XXXX with PayPal XXXX explaining the situation and providing documentation.PayPal closed that one stating seller provided proof of delivery and tracking number. Immediately, I contacted XXXX to trackdown this supposed delivery. XXXX provided me with the tracking # details and researched the issue. Stating that it is obviously fraud, as the valid proof delivery details are BLANK and never delivered to me. I opened another PayPal XXXX Case # XXXX and provided everything from XXXX. XX/XX/XXXX XXXX PayPal closed the case again with NO EXPLANATION ( Not eligible? ) XX/XX/XXXX XXXX I tried to open another case # XXXX to dispute the status results and they automatically defaulted the case to Closed. NO Explanation This company is supposed to have a protection plan for the consumer from online Fraud just like this scenario. I have an ample amount of evidence supporting this matter. | ||||||
| 05/20/2019 | Yes |
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| My paypal account has an added insurance protection called buyer 's protection. I was approved to use this as per my qualifications of the issue were an item was not as described that was purchased via XXXX yet backed by paypal to be governed under my rights with their buyer 's protection. The paypal issue dispute resolved to escalate to a claim whereby I was to be issued a full refund by the merchant. However, the exacts of the instruction of paypal in their e-mail to send the merchandise back as with an online trackable shipping service are now being brought under scrutiny that somehow I am liable for the merchant who denies he received the package? Paypal is negligent in that their instruct e-mail did not delineate in the wording which lacks any clarity to specify that an additional measure or step would be necessary which is considered a proof of delivery added measure of protocol when I sent parcel with tracking. The USPS did not ask to add this measure I did not know it would be necessary and the paypal instructs do not state as much at all in their wording. Yet, now since the merchant/seller/recipient is not obliged to prove he did not receive it he is able to escapade that he has not received it. I should not be held personally liable to not recieve a refund per the neglect is on the part of paypal who had neglected to instruct me properly on adding a proof of delivery confirmation as somehow now being implied mandated? Which is news to me and it not in their instructions e-mail. The paypal has refused my refund I have sent to their legal department a complaint. But, have heard nothing back. I am due a refund under the buyer protection per I followed properly all instructions of the paypal return letter in the e-mail they described only to send as trackable. | ||||||
| 12/01/2016 | Yes |
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| In Paypal I have always set the currency conversion process to my VISA card so my card issuer will determine the foreign exchange rate to apply to my transactions. Lately, now just before XXXX, Paypal has began forcing users like me to only use their own currency conversion process.This scam began little by little for a about a year ago when this option who is still visible in paypal accounts was set inoperative was forced to pointing only to PayPal 's own conversion process option as default. To fix this scam without any notice whatsoever, only observant and awakened users has for the last year been able to change this option manually at payment transaction checkout ( manually for each transaction ). Lately, now just before XXXX, Paypal has also now began forcing users like me to only use their own currency conversion process, without any ways of changing it. I myself is a educated computer engineer and this easy task goes against everything I 've learned in programming. It is just not possible to make such small technical issue become so big and long time problem as it has become. And now the final evidence that this is a big scam came lately when Paypal removed all options to use my own VISA card issuer currency conversion process and point it only to PayPal 's own expensive conversion process. I lately contacted paypal again but they only mentioned that this is a technical issue and that they are still working on in spite they have had a whole year to do it now!!! and even when I know this should be very simple. Later the same day when I told them I was going to tell the world about this scam they reacted to send me som other hidden option that did not work eithe or would fix the problem!!! Here are the originale option who now it set inoperative in paypal XXXX | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the recent permanent limitation placed on my PayPal account ( XXXX ). I believe this action was taken in error, and I respectfully request a thorough re-evaluation of my case. First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe measure. The permanent limitation has not only disrupted my financial transactions but has also caused significant inconvenience. I kindly request that you initiate a comprehensive review of my account activity to identify any potential misunderstandings or mistakes that XXXX have led to this limitation. I am confident that such a review will reveal my compliance with PayPal 's terms and conditions. I understand that PayPal takes account security and policy adherence seriously, and I fully support these efforts. However, I believe that in my case, there has been a misunderstanding or error in judgment. I kindly ask for the opportunity to present any necessary documentation or information to support my case during this re-investigation process. Ultimately, my goal is to have my PayPal account fully restored, enabling me to resume normal use for legitimate transactions. I have been a loyal PayPal user for an extended period, and I value the services you provide. I kindly request your prompt attention to this matter and a fair and impartial review of my account status. I am confident that, upon closer examination, it will become evident that the permanent limitation on my account was unjustified. Thank you for your understanding and consideration. I eagerly await a positive resolution to this issue. | ||||||
| 05/15/2023 | Yes |
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| On XX/XX/2023 I made a purchase on a reputable website and used PayPal as the payment service. I was given the option by PayPal to split the total amount between 4 payments with the first starting immediately. This worked great for me as it was a larger purchase and as I had the funds to pay it immediately it gave me the flexibility to pay over time. So I checked the box. It stated that the first payment was due immediately and the remaining 3 would be due on the XXXX of the following months. Once I clicked it stated it was approving my application. It processes for a while and finally stated a denial with a reason to be emailed to me. Then I was forwarded to a new page with a pay in 6 or pay in 9 option. I did not want to stretch out 9 months so I clicked pay in 6 and accepted it. It then stated the first payment was due XX/XX/2023. It then gave me a loan overview with an interest rate. I was not happy about this, but I did not have time to call PayPal that moment. On Sunday I saw the pay in 4 denial was in my email. So I looked and it stated that I was denied the loan due to insufficient funds in my bank account. I checked my bank and found PayPal had charged 5 payments in the amount of the pay in 4 which was more than the total amount of the original purchase. My complaint is that this product was never initially marketed as a loan. PayPal depleted my bank account to the point that the loan would be rejected due to insufficient funds in my bank account. All of this to get me into a loan with interest so they would profit additional money from me as the consumer in addition to the fees charged to the merchant. I believe this is unfair and deceptive practice. I am luck to be in a position that I had alternate funds available while I am working to resolve this. | ||||||
| 06/20/2019 | Yes |
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| Two my initial complaints to CFPB received two misleading responds to obstruct justice. I am so angry that it is difficult for me to write. Paypal lies boldly and hope that they can be treated above the law and get away with their unfair practices. PayPal continue to keep my money imprisoned and do not allow family and friends option to move money from my account for free. They want 2,9 % to get from me. I never bought anything and never sold anything through PayPal. I just was sending money to family and friends and PayPal try to block MY MONEY. Isn't illegal financial abuse and crime to keep somebody's money for free on hold, blocked from the owner of the money? This message I sent them again and PayPal never answer my concerns. They act like career criminals. I demand sanctions against PayPal. Here is my message to them : I am sorry, I have no trust to PayPal anymore at all. I prefer to have conversation in writing and have on record what power abuse you practicing over my account. 1. You refused to send money for free through family and friends option. 2. Now you refused to deposit money on my account through family and friends option for free.. 3. You refused to send me PayPal debit cash card. 4. You gave me PayPal credit cash back card and after I used it once and pad right away the balance you did not like it and was blocking my attempts to use PayPal credit card anymore. 5. You submitted misleading statements to CFPB to obstruct justice and fair investigation. Your power abuse is outrageous and you demonstrate criminal behavior, because it is a crime to imprison somebody else 's money. I will demand for sanctions against PayPal for unfair practices. I am not going to thank you for imprisoning MY MONEY. I am supplying the copy of that message to CFPB. | ||||||
| 01/04/2019 | Yes |
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| I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a XXXX XXXX credit card through PayPal on XX/XX/18. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called XXXX XXXX, and they recommended that I open a dispute claim through PayPal, and I did. On XX/XX/XXXX, PayPal informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I would have to pay for return shipping and may be eligible for reimbursement. When I called PayPal and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with XXXX XXXX, which I did. XXXX XXXX opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XXXX to early XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both PayPal and XXXX XXXX are refusing to give me a refund. XXXX XXXX claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. PayPal refuses to do anything without notification from XXXX XXXX that the dispute is resolved, and XXXX XXXX refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise. | ||||||
| 09/07/2018 | Yes |
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| I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT PAYPAL PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} - ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM XXXX ( XXXX RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) - I CALLED XXXX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO PAYPAL AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO PAYPAL ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED PAYPAL THEREAFTER AND ASKED THEM IF XXXX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE, NOT SURPRISINGLY, THEY SAID XXXX DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY PAYPAL ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE - I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID XXXX TRULY SEND THE FUNDS TO PAYPAL, AND IS PAYPAL LYING? OR, DID PAYPAL TRULY NEVER RECIEVE THE FUNDS, AND IS XXXX LYING? ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME. | ||||||
| 06/16/2022 | Yes |
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| I used PayPal to receive money for a sporting good accessory through my business account and received payment on XX/XX/XXXX for {$690.00}. On XX/XX/XXXX the transaction settled and PayPal transaction fee was taken out with a net amount of {$670.00} being available for me to withdrawal. When withdrawing the {$670.00} on XX/XX/XXXX, PayPal asked for more information about the transaction. I shared what was asked and on XX/XX/XXXX was informed I could not longer do business with PayPal. PayPal cited : " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. XXXX As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart. If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. '' PayPal said they would hold my money for 180 days at which point they would work with me to make the money available. That did not happen and on XX/XX/XXXX, PayPal took the {$670.00} citing " PayPal 's damages caused by Acceptable Use Policy violation ;. '' I would like my {$670.00} back as that transaction did not violate any | ||||||
| 05/16/2019 | Yes |
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| Dear CFPB, We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled Image_1 and Image_2 ). We proceeded to print the return label and ship back the item ( Please see attachments titled Image_3, Image_4, and XXXX ). The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled Screenshot_XX/XX/2019 USPS com - USPS Tracking Results ) knowing that was ALL that is needed to manipulate PayPal 's claim system! PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! | ||||||
| 12/03/2021 | Yes |
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| I signed up for venmo on XX/XX/2021. I sold a saw to a friend and he paid me {$350.00} on venmo. I added my debit card to my venmo account and tried to transfer my {$350.00} into my card and it wouldn't work. So I then tried to order myself uber eats because venmo advertises you can use your venmo balance to pay for XXXX eats and twice it declined it and then froze my account. On XX/XX/2021 I called and talked to venmo in which they told me I would be contacted by email in XXXX hours. The following day venmo emails me request a copy of my driver 's liscense so I immediately use there upload link and upload my Id. I recieved an email shortly after saying they had verified my identity and I could begin using venmo as normal. So I tried to send {$20.00} out of my account and it immediately froze my account again. I email venmo and once again they say my account is unfrozen so at this point I want my money out of venmo so I contact my bank at XXXX XXXX XXXX XXXX and they tell me I can make the transfer from venmo. I get back on venmos app and attempt to add my credit union through their app with plaid and i get a quick message that says success then the screen displays an x with the words " Something went wrong ''. They had froze my account once again for trying to add my bank account that is in my name. So I email venmo again and this time they send me a message back saying they have permanently XXXX my account and I can no longer use venmo and that I could not transfer my {$350.00} out of my account. They said they were keeping my money and in 6 months they would email if i could transfer my money. I did not violate any of their policies. I opened account tried to transfer money tried to pay for XXXX eats and tried to add my personal bank account and they did this. | ||||||
| 12/09/2020 | Yes |
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| PayPal is knowingly and willfully aiding and abetting one of its account-holders to perpetrate fraud and evade taxes. On XX/XX/XXXX, I formally notified PayPal ( Dispute Case ID : XXXX ) that one of its account holders named XXXX XXXX ( aka XXXX XXXX XXXX ), who's based in the XXXX XXXX, California and has an active criminal record, is operating an unregistered and unlicensed California limited liability company called XXXX XXXX XXXX. I notified PayPal that this unauthorized XXXX is collecting donations and fees-for-service via both PayPal and the individual 's own website. The PayPal account link is https : //www.paypal.com/paypalme/XXXX ( archived at https : XXXX ). And the link to XXXX own website, which operates as yet another unauthorized business named XXXX XXXX XXXX, is https : XXXX ( archived at https : XXXX ). XXXX previously had another California business called XXXX XXXX XXXX XXXX, which is now in XXXX-Suspended status ( see https : XXXX ). That defunct business met its end when the City of XXXX XXXX sued XXXX on XX/XX/XXXX ( Case No. : XXXX ) for XXXX 's failure to pay more than {$50000.00} that XXXX owed to the City. The City prevailed, winning a default judgment against XXXX for {$57000.00} XXXX ( see https : XXXX [ case index ] and https : XXXX [ case documents ] ). In addition to notifying PayPal about the above, I also provided eight independent and credible pieces of documentary evidence proving XXXX was operating multiple unauthorized businesses, with one of those businesses operating on PayPal 's own website. Despite all this, on XX/XX/XXXX, PayPal notified me of its decision to decline my case. To my knowledge, PayPal continues to knowingly and willfully aid and abet XXXX, one of its account-holders, to perpetrate fraud and evade taxes. | ||||||
| 06/06/2023 | Yes |
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| Dear PayPal Customer Support, I am writing to express my concern and seek a re-investigation into the recent permanent limitation placed on my PayPal account ( associated email : XXXX ). I was taken aback by the abrupt action taken, as I firmly believe there may be a misunderstanding or an error involved in this decision. I am unable to discern any violation of the PayPal policies on my part that would necessitate such a severe sanction. I am a diligent user and have always adhered to the rules and guidelines outlined by PayPal. To this end, I kindly request your team to revisit the circumstances surrounding this decision, and if possible, provide me with a detailed explanation about the specific actions or activities that have led to this account limitation. I am prepared to provide any additional information or evidence that may be required during this process. I understand that PayPal 's efforts to maintain a secure and trustworthy environment may sometimes necessitate strict measures. However, in this instance, I strongly feel that the permanent limitation on my account may have been imposed due to an inadvertent mistake. As a long-standing and committed user of PayPal services XXXX I place great value in the security and convenience that PayPal provides XXXX The sudden and unexpected limitation on my account has caused considerable inconvenience and has interrupted my personal and professional transactions. Therefore, I respectfully request that you review the decision and consider lifting the limitation on my account if it is found that there has been an error. I look forward to your understanding and prompt action in this matter. Thank you in advance for your time and consideration. I eagerly await your response. Yours sincerely, [ XXXX XXXX ] | ||||||
| 03/10/2017 | Yes |
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| Greetins, I am having an issue with PAYPAL Inc XXXX I am disputing a negative balance of {$570.00} on my PAYPAL Account. On XX/XX/XXXX I tried to make a purchase from XXXX. ( XXXX- XXXX ) using my PAYPAL credit that is a line of credit from PAYPAL everything looked OK until next day that I got a negative balance of {$570.00} on my checking account ending XXXX?? Right away I contacted PAYPAL Credit and I asked why you put this balance on my checking account when I did this transaction through PAYPAL CREDIT and I NEVER chose or authorized to use my checking account. They said that I chose my checking account and I said to them many times that I DID NOT chose my checking account as source of payment or not even authorized to use my checking account also I have a copy of this transaction that it was through PAYPAL CREDIT. Even after I explained many times and disputed to them about this balance They tried few times to collect the money from my checking account XXXX ; getting me in trouble and on XXXX situation with my bank because I got few insufficient fees of {$34.00} each and my bank almost shut my checking account because PAYPAL. At this point I ca n't even use my checking account to make payments Now I have to buy a money order and mail the payments. So far one of my disputed I did with XXXX and XXXX from Pay Pal Limitations Department Ref # XXXX on XXXX They told me that I have to wait 10 business days and I am still not getting an answer from them. Today I called PAYPAL four times I spoke with XXXX Limitations Department again and they do n't have any answer for me. I really need to resolve this issue as soon as possible I am so concern that this issue could affect my credit report. Please I will appreciate so much any assistance in this matter. Sincerely, | ||||||
| 06/22/2021 | Yes |
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| Dear PayPal, This is the third time I am conctacting you regarding my issue, each time I have recieved even more outrageous responses. My name is XXXX XXXX XXXX XXXX I am the owner of the account linked to the email XXXX. As I have explained already in past phone calls and my previous complaint to the CFPB, on XX/XX/2021, I recieved and email from PayPal, stating that I could no longer use their services, I will attach this email bellow. As I have explained already, I have not done anything wrong and I have not been given any explanations as of why this happened, the previous response I got from PayPal said the following, ridiculous and insulting message ; It is important to note that this complaint was not submitted on your behalf but on behalf of another PayPal account holder. Due to PayPal 's strict Privacy Statement, we are only able to address account information with the account owner. As a result, we can not divulge account details to you regarding an account that is not in your name. I will also upload a photo of my ID to prove that I am XXXX XXXX XXXX XXXX and not as you are claiming " another PayPal account holder ''. PayPal have provided me with an awful costumer support service, after calling and contacting them multiple times, they were time and time again, unable to fix the issue they caused and still have not given me back the control of my account. Bellow you will find a photo of my XXXX ID, the previous email I got from paypal, which was totally wrong in everything they stated and helped me in no way and the emails I got from paypal regarding my account. I trully hope you can fix my issue once and for all, all I want is to be able to use my account, with the {$2200.00} you are holding against my will. SINCERELY, XXXX XXXX XXXX XXXX. | ||||||
| 10/21/2023 | Yes |
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| On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with PayPal Goods & Services and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called PayPal to dispute the money. PayPal said I would get an update by XX/XX/XXXX. Because she asked for a cancellation, she then asked me to send her another {$100.00} through XXXX, with the contact information XXXX. I did that, but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, PRETENDING to be XXXX. They said " XXXX : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refused to give me one. | ||||||
| 01/28/2023 | Yes |
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| Ok, I was taken advantage of by a person online. There were several payments made through paypal to this person under false pretenses. I brought this up to paypal about everything, but it was like they weren't even listening to what I was saying at all. I sent proof of the crime committed and they still didn't do anything to stop the criminal. The whole time I was making the complaint the other party was making requests to me to send more money. These requests had notes on them. Things like, your bank account will be cleaned out by the XXXX. You will be getting a SMS with a code I need you to send that code to me right away. This code was to access my paypal. These again were coming while I had an open chat with Paypal. Their website says they monitor every transaction XXXX. With the notes that were attached to these requests, I know that to be a lie. These notes got really vulgar and violent. Again Paypal has done nothing, they have not banned the other person 's account for fraud. They have not stopped the payments to the other party. All they have done is waste my time asking the same question which has no relation to my situation. Over and over, like I never have even spoken to them before. Each time, they even close the chat before the issue is resolved. To top it off Paypal profits from these scams by charging a fee, and at times when they close the scammers ' accounts. The funds go to PayPal, not the buyer they scammed. The png I provided is a screenshot of an email the other party sent on the same day I made the complaint. The other is a screenshot of a request the other party sent on the day I was making the complaint to Paypal, and the very moment the other party sent that was in chat with PayPal. Yet they still allowed the crime to take place. | ||||||
| 10/24/2023 | Yes |
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| On XX/XX/23 I noticed a large sum of money being withdrawn from my bank account to my PayPal account ( I never find this, I just make small purchases from sellers that debits my bank ). I decided to look back and going as far back as XX/XX/23 there were multiple smaller withdraws with a grand total of {$6600.00}. I contacted PayPal the same day I was made aware for dispute as well as my bank. I canceled my debit card and my bank did determine there was fraud but PayPal argued against that claim and the money reversed by my bank to me, PayPal is holding me liable and my account is in the negative ( - {$3300.00} ). The primary email was changed on my account so I was not receiving notifications of account activity, and XXXX new funding sources were added without my knowledge or approval and do not belong to me. I requested from PayPals claim dispute dept on XX/XX/23 and again XX/XX/23 for the results of their investigation where they found that I had authorized any transactions and have yet to receive a response. Customer service says that there was not an email added however I have screenshot proof of another agent acknowledging there was, and that it did not belong to me. PayPal is refusing to acknowledge any dispute because it is outside of a 90 day window and they determined there was nothing looking suspicious in my activity. I told them That I reported the activity the same day I found out ( see Regulation E, Electronic Funds Transfer Act Sec. 1005.6 ) but was told everything was authorized because it is my account. I was also notified that I was affected in PayPals recent data breach where this was likely the root of the problem and ultimately responsible. I sent a demand letter as well on XX/XX/23 to settle this but they refused to acknowledge this. | ||||||
| 07/09/2023 | Yes |
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| At roughly XXXX XXXX on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal and XXXX of XXXX XXXX I notified all of my banks ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, PayPal ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. PayPal, however, did not. PayPal did not reverse {$2000.00} in charges from PayPal sent to two individuals, and stated over the phone that it was my fault that this occurred. Despite successfully reversing the payment from XXXX, the source bank, they stated that if I did not pay this balance that it would be sent to collections, in my state of immense distress I paid the balance. After initiating the second complaint, PayPal responded that the unauthorized transaction was not unauthorized because " your login activity remained consistent before, at the time, and after the payments were initiated. '' Since this person *stole my phone* like I explained and was using my phone to perform these transactions, they of course would have the exact same login activity since they were clearly able to get into my phone and continue to make the transactions. PayPal for whatever reason is not able to grasp the fact that this person STOLE MY PHONE AND WAS USING IT. A phone is not a person and being able to get into a phone does not mean that the person using the phone is the owner of the account. Since this is the third complaint that I have filed and PayPal has not paid me the money back, this will be the final complaint that I will file before initiating a lawsuit. | ||||||
| 01/11/2023 | Yes |
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| On XX/XX/2022 I was reached out to via XXXX XXXX by a XXXX XXXX. She said that she liked my profile picture that I had for XXXX, and would like to use it for inspiration for a mural that she is doing for a business. She told me that she would compensate me for using my picture. I saw that we had a XXXX friend ( who I know personally ) in common, and decided to go with it. She emailed me a check for {$3500.00}, and I cashed this check through the mobile deposit my bank has on its app. After I cashed the check, XXXX XXXX began demanding that I send money to XXXX different people ( XXXX XXXX and XXXX XXXX ) for their art supplies. I questioned XXXX XXXX about this, and she continued to demand about me sending money to these people for the monetary value of {$1000.00} each, and the rest of the money I would be able to keep. I still questioned her about it, since she claimed to be a business woman, and she began to threaten me. She told me that she would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave in and transfered a total of {$2000.00} ( {$1000.00} to XXXX XXXX and {$1000.00} to XXXX XXXX ) through XXXX and PayPal. The next day, XX/XX/XXXX, my bank contacted me and I told them what had happened. They told me that since I transferred money, I XXXX not be able to get any money back. They did give me a XXXX credit for the PayPal transaction. I contacted local police, and reported on reportfraud.ftc.gov. The check of {$3500.00} bounced back, and I was left with {$2000.00} less in my bank account. XXXX business days later, my bank sent me a document that the report that they made for fraud was declined. I have been receiving emails and messages from various people that have been still threatening. | ||||||
| 05/23/2020 | Yes |
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| I have an account with Venmo and they have a facility where they provide a prepaid card that can be used in stores. When used for purchases, Venmo takes the amount in increments of {$10.00} from an enrolled bank account, to reload the card in order to cover the purchase. I found this a good service since it increases security where my bank ATM card is not exposed ; when not in use, I can easily turn off the auto-load feature from a mobile device so even if the card gets lost or stolen, they wouldn't be able use it for purchases or to get any cash. On XX/XX/2020, I used the card to pay for groceries in XXXX for the amount of {$52.00}. The terminal declined the initial charge attempt and asked me to re-try. The second charge attempt was successful. However while reconciling my account, I found that Venmo charged me twice for that transaction. The day after, they reloaded the card by taking out money from my bank account twice for {$50.00} each, ostensibly to cover for the charges. The XXXX receipt clearly stated that the initial charge attempt was unsuccessful by marking it as EMV DECLINED, however the Venmo statement carries both charges. I reported the issue to Venmo twice but on both occasions, they denied the disputed amount saying that " an error has not occurred and the dispute claim has not been resolved in your favor.This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. '' However, their own statement belies this claim since there are 2 entries of {$52.00} and 2 reloads of {$50.00} each that were taken from my bank account. The initial charge and reload are then considered unauthorized draw-out from my account. Venmo has not refunded the balance back to my Venmo account. | ||||||
| 04/21/2016 | Yes |
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| I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 ) | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. First and foremost, I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action against my account. I have consistently used PayPal for various transactions, both personal and business-related, without any prior issues. I kindly request that PayPal re-investigate my case thoroughly and provide me with an opportunity to address any concerns or issues that XXXX have led to this limitation. If I have inadvertently violated any policies, I am eager to rectify the situation and ensure that my account is in full compliance with PayPal 's terms. Having used PayPal as a trusted payment platform for a considerable period, I rely on it for various financial transactions. The permanent limitation on my account has created significant inconvenience and disruption to my personal and business activities. I kindly request that PayPal 's review team carefully assess my account and consider reinstating it if no clear violations of PayPal 's policies are found. I understand the importance of security and compliance, and I am committed to working with PayPal to resolve any issues promptly. I appreciate your attention to this matter and kindly request that you respond to this appeal as soon as possible. Restoring my PayPal account would greatly alleviate the challenges I am currently facing. Thank you for your time and consideration. | ||||||
| 09/24/2020 | Yes |
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| On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX that some one attempted to run my credit through XXXX XXXX and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX in XXXX XXXX , wi XXXX note this was a group home called XXXX XXXX which XXXX know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX XXXX XXXX XXXX owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX. after calling XXXX i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and XXXX XXXX. please help me investigate this. | ||||||
| 08/17/2020 | Yes |
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| On Monday XX/XX/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). A few minutes later another line item popped into my papal account for one XXXX credit. Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. The transactions they allowed unauthorized are XXXX and XXXX. A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money. | ||||||
| 01/05/2017 | Yes |
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| Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. Please help me get my money back, this is unbelievable. Thank you, transaction ID # XXXX | ||||||
| 08/07/2023 | Yes |
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| I was looking online for a new place to rent and while on XXXX I found a cute little two bedroom two bath place that was only {$750.00} to rent I asked for more information on it the owner had got a hold of me through text message and said that he had picked me to be the person that he wanted to be the tenant he said he wanted XXXX that was the first month 's rent and deposit I told him that I would give him half {$670.00} and when I got the keys through the mail the other XXXX is what I would do he agreed. He told me to do it through PayPal but to make sure I pick the friends and family option. I've never done anything like this before so I trusted him and then once he got the money he quit talking to me or taking any of my phone calls text messages for a good 4 hours 5 hours after he received my money I filed a dispute with PayPal and they said they were going to do their little investigation thing that they had Frozen funds. Then on the XXXX of XXXX I get an email from PayPal saying that they didn't see any transactions that were unusual that they went ahead and refunded the money to the recipient not to me I asked him how they thought that was right because that was my money and I never got the keys or lease that he said he would mail to me. He took my money and never gave me the house that I was supposed to rent I asked paypal to give it back and redo their investigation if that's what they had to do but I have nothing to show for my {$670.00}. I'm a single mother of XXXX XXXXhildren and this guy took advantage of me and PayPal went along with it and let him do it. I just want some help to get my money back it's only {$670.00} I understand that but that's a lot of money when you're a single parent with two children and trying to find a place to live. | ||||||
| 03/02/2021 | Yes |
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| ( Reference ID XXXX ) My account got limited on XXXX XX/XX/2021, then I've submitted all required information with my Photo ID on XXXX XX/XX/2021 then PayPal reviewed and restored my account on XXXX XX/XX/2021, it was very good news for me. PayPal was very co-operative and helpful. Thanks to PayPal review team. ( Reference ID - XXXX XXXX XXXX XX/XX/2021 suddenly received an email says " You can no longer do business with PayPal, After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have money in your PayPal balance, well hold it for up to180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' It means my account has been closed. I'm shocked what it is! Why! I dont understand. I thought this email was automated or a glitch, then logged in my account and found really my account permanently banned! I believe that this action made by any automatic system or performed by automated bot, not by anyone from human review team, because its impossible for a human to do something self decision opposite. I request you please review this coincidence and relieve my pain and frustration. Impossibly if this action made by any human please re-consider my situation. If you think this action is final then I'm respectfully requesting that the hold on my funds/account be lifted. However, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I've complaint on XXXX and send them emails hundreds of times but still no response. My PayPal email is " XXXX '' | ||||||
| 07/22/2022 | Yes |
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| FORMAL CEASE AND DESIST LETTER TO PAYPAL IN RE : 1 ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX I am hereby demanding PayPal cease and desist contacting me or trying to collect for these disputed transactions from me given I have no knowledge of these transactions and have strong reason to believe someone conducted these transactions under my name in order to carry out this fraudulent scheme. I have never had a PayPal account under my email address and believe someone created an account in my name to conduct fraudulent transactions. I do not recognize this activity and didnt know there was a PayPal account established in my name under this email address and am requesting I not be obligated to pay these amounts given I never opened this PayPal account or conducted these transactions. PayPal has also stated to me there is no active account under my email and it assumes the fraudulent account was closed so there is no way for me to respond to this case and let you all know this and what was going on here. I did not authorize nor do I recognize any of these transactions, therefore, shall not be obligated to pay for these disputes transactions and will file a lawsuit against PayPal in the event PayPal tries to make me pay for these transactions which I know nothing about. I have already requested PayPal stop contacting me under FDCPA in regards to these transactions and cease any and all communication in regards to these transactions which I know nothing about and in the event PayPal continues to try to contact me in regards to these transactions and/or attempts to force me to pay for transactions I know nothing about my attorney is already prepared to file a lawsuit. Sincerely, The XXXX XXXX XXXX | ||||||
| 10/10/2018 | Yes |
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| On Tuesday XX/XX/XXXX I sent a funds transfer of {$500.00} dollars using the XXXX application on my cell phone to the wrong recipient. Those funds were never supposed to go in to her XXXX account but to another gentlemen whom I have previously sent money via XXXX with in the past. I have never sent a XXXX to the original sender in the past. On XX/XX/XXXX I reached out to XXXX who twice informed me I would receive funds back. One person told me it would take 3 days and the other only said it was being reversed. They requested that the person whom I sent the funds originally to contact them to confirm it was not authorized. The orignal recipient informed me they have not used their XXXX since XX/XX/XXXX due to an extremely poor policy XXXX had in place that allowed people in " circles '' to debit each other accounts without approval, in which caused an issue with her and another XXXX user. The original receiver of the funds owed XXXX a balance of {$600.00} dollars that does not pertain to me nor should I be held responsible. XXXX informed the receiver of the funds that they would not be reversing my funds back to me because she owed a balance, they also expected her to inform me of this information rather then reaching out to me directly to inform me they would not be giving me my funds back after telling me twice they would. I believe this is extremely poor ethics on this companies behalf as well as EXTREMELY BAD CUSTOMER SERVICE. On the original call made to have the funds reversed there is no mention of meaning to submit those monies to that person. If I as a consumer says that I placed monies in an incorrect place, it is that companies responsibility to ensure that I receive my monies back. I should never be held responsible for someone else monies. | ||||||
| 08/16/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation imposed on my PayPal account ( XXXX ). I firmly believe that this limitation has occurred due to an unfortunate misunderstanding or technical error. I would like to emphasize that, to the best of my knowledge, I have not committed any actions that violate PayPal 's policies or terms of use. I have always been committed to upholding the integrity of the PayPal platform in all of my transactions and interactions. It is distressing to me that my account has been limited, and I am left without the ability to access the services that PayPal provides. I kindly request PayPal to thoroughly re-investigate my case. I am confident that a closer examination will reveal that there has been a misunderstanding. If any discrepancies have been noted, I am more than willing to provide any necessary documentation or information to clarify the situation. It is of utmost importance to me to have my account reinstated so that I can resume utilizing PayPal for my legitimate transactions. I understand the need for PayPal to maintain a secure and trusted platform for all users, and I fully support these efforts. However, I am convinced that my account 's limitation is the result of an error or misinterpretation. I respectfully ask that you reconsider the limitation and restore my account as soon as possible. I appreciate your time and attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. Please feel free to contact me at [ Your Contact Information ] if any further information is required from my end. Thank you for your understanding and prompt assistance in this regard. | ||||||
| 01/12/2021 | Yes |
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Web | Servicemember |
| I purchased clothes from a website utilizing paypal and guest. These transactions were on XX/XX/XXXX. The company emailed me notifying me some of the items I purchased were not in stock. I advised them to cancel bother orders. ALLEGEDLY they still shipped both orders on XX/XX/XXXX AFTER I ADVISED THEM TO CANCEL THE ORDERS SINCE MIS XXXX!! over 25 emails. I receive a call from XXXX @ Paypal Executive office on XXXX stating the I should receive the credits back end of the week the tracking information hasn't moved. Then I get an emails advised below. AND STILL NO RESPONSE. WITH {$390.00} IN ITEMS STILL NOT RECEIVED AND ADVISED TO CANCEL THE ORDERS. I did NOTY want them. we are past XXXX and it's been 5 WEEKS good morning, How did we go from almost hour conversation last week that I would have the credits for XXXX and XXXX by end of the week to THIS!!! I have been waiting for this money back since XX/XX/XXXX. And I requested they cancel the order WAY before they still sent it when it's past XXXX. And you just stated on XXXX it had no tracking information, which is STILL irrelevant to the fact I advised then more than 20 times to CANCEL both orders and refund my money WEEKS before they allegedly shipped it. As we discussed, you requested assistance with two payments you sent to the same merchant, one payment sent from your personal PayPal account ( Transaction ID XXXX ) and a second sent as a Guest Checkout payment ( Transaction ID XXXX ). You filed a PayPal Protection claim on the first payment ( XXXX ) and, on XX/XX/XXXX, I filed a claim on your behalf ( XXXX ). PayPal has contacted the seller by email, requesting information about the transactions including tracking/shipping information. Please note that the claim process can take 30 days to resolve. | ||||||
| 11/13/2019 | Yes |
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| XX/XX/XXXX i purchase Make Money program i thought it was great deal.Transaction went through both Paypal/Clickbank my instution DECLINE Transaction # {$17.00} and last 4-digits # XXXX and Transaction # XXXX was {$4.00} + {$0.00} tax = {$5.00} last 4-digits # XXXX But XXXX XXXX he set me up in XXXX XXXX Ceo XXXX XXXX XXXX gave me Link for XXXX .So since XXXX XXXX Decline i went to XXXX purchase gift Card for {$50.00} went back in purchase Transaction # XXXX {$29.00} + Tax {$2.00} = {$32.00} from Visa last 4-digits # XXXX and Cash Juice link i Paid Upgrade for many different items was Bundle Deal XXXX {$4.00} + {$0.00} tax = {$5.00} and XXXX XXXX Suppose gave me XXXX Free Points i only got XXXX. i only used on XX/XX/XXXX between 8900- 9100, and Next Day they was completly all gone .Tried contacting XXXX XXXX No Luck , XXXX Ad Bar owner XXXX XXXX No infomation.They gave me Link for my website : XXXX_MakeXXXX but as i research it goes to redirect link opens different window.That same Day XXXX ran Decline payment from XX/XX/XXXX for XX/XX/XXXX {$4.00} Unauthoriza went through XXXX. and XXXX on XX/XX/XXXX {$5.00} Unauthorize went out of our account XX/XX/XXXX Then XXXX put {$5.00} back in out account, But on XX/XX/XXXX XXXX Unauthorize took {$5.00} out. Unauthorize.Paypal refuse me again to OPEN up Dispute i try today and yesterday they suppose to protect me but dont there thefts too.XXXX had No reason to debit my account, and my Credit card infomation supposed Not be on file.I never agreed for the to keeep on file only paypal.Transaction unauthorize..I want Refund for fraudulent transaction fees and i still keep my cashjuice account open, But XXXX XXXX said i make {$1000.00}. aweek not made anything .So i made couple day ago ftc.org complaint on everyone. | ||||||
| 01/13/2023 | Yes |
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| On XX/XX/XXXX, I used PayPal XXXX XXXX service to make a payment of {$1600.00} and {$1200.00} to a XXXX credit card. PayPal claims payments usually take up to XXXX business days. The payments didn't post until XX/XX/XXXX. After searching around on the internet about the problem I found out that there were many other people experiencing the same problem with funds that were held up from XXXX/XXXX - XX/XX/XXXX. First I chatted with XXXX on XX/XX/XXXX and asked them to investigate the missing payments. Then I contacted XXXX also on XX/XX/XXXX, the PayPal subsidiary that handles money payments. They told me the payments I made show as sent and that I should let XXXX conclude it's investigation and if that didn't work I could dispute the payments with XXXX. Today when I discovered this post by searching the internet : https : XXXX # XXXX - I found out that the payment company that PayPal/XXXX use XXXX XXXX XXXX called XXXX. Apparently many other people in that post/thread as well as other threads on the internet have complained about their XX/XX/XXXX payments also being delayed until today, XX/XX/XXXX. I didn't contact XXXX, because by the time I discovered the company resposible, other customers had called and alerted them about the problem and they fixed it. The PayPal XXXX XXXX service has been very handy for me in the past, but delays in their payment handling have been more frequent and longer. I want to continue using their service but I'd like to know why my money is being held more frequently and longer. I've experienced 7 day delays in the past but 16 days for them to process a payment is worrisome. I am concerned as to why they are holding the money so long and whether it is truly just a mistake on their part or whether there's more to it. | ||||||
| 11/15/2022 | Yes |
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| In Venmo I requested my nephew transferred me {$1.00} to my account for testing, than I transferred {$1.00} back to my nephew for testing. After that I requested my nephew to transfer {$990.00}. He transferred me {$990.00} to my account. My sister transferred me {$990.00}, {$1500.00}, {$520.00}. After that I tried to transfer it to my bank account from Venmo but they put limitations on my account and frozen it and asked me to submit the documents for proof on XX/XX/2022 and told that they will verify and remove limitations from my account with in XXXX business days. They sent me email that my identity is confirmed on XXXX XXXX. Still it didn't worked than I called on customer service and they told me to wait for XXXX days. But I got email from Venmo team on XXXX XXXX that : After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. Even though we submitted all of my required documents. On XX/XX/2022 I emailed them for getting our money back as we were not doing any illegal activity. Still they replied the same that my account is being deactivated by them also mentioned that my emails will be no longer replied by them. On XX/XX/2022 I called in customer service of Venmo they told to wait for 180 days for our frozen money in Venmo. | ||||||
| 02/10/2022 | Yes |
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| I am complaining about Venmo. I opened an account and in order to send money, a bank account or debit card must be linked to your Venmo account. I tried to link my bank account the first time on XX/XX/2022. It was declined, raised a red flag and my Venmo account was frozen. I contacted support who asked me to upload my photo ID and bank statement showing the account number and a recent transaction. I did that and was told my account was unfrozen and that I could add my bank account now. The same thing happened when I tried again. I contacted support and went through the same process just explained several more times. Screenshots of all email communications are attached. They tried to say it was just my bank account that was the issue and suggested I try another card not associated with that bank account. I tried two other debit cards not associated with my bank account and got the same result. My case was escalated to someone else after many failed attempts. Their final response was that their system is declining my attempts to link my bank account and debit cards and they can not override the decline. This is absolutely ridiculous. I have my bank account linked to many other payment apps and have never had a problem like I have had with Venmo. I use PayPal, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXy, XXXX XXXX, XXXX payments, etc. My cousins XXXX XXXX XXXX daughter just passed away from XXXX and donations for the memorial fund were being collected through Venmo and I wanted to donate along with the rest of the family. I was the only one in my family who had an issue. I feel like Venmo does not care and that is no way to treat a customer. There has to be something they can do. I have never had to jump through so many hoops to try to use a service before. | ||||||
| 01/09/2020 | Yes |
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Web | Older American |
| This is in regard to Paypal-a company that is clearly breaking the law-but it is a serious uphill battle fighting them as they seem to care about no one. I had 3 accounts with them ; then an ID theft ; once I reported that ID theft in XX/XX/2018( when it affected me ) I told Paypal that I felt strongly that many charges were fraudulent and my ID theft was not only verified by the FTC but proven ( completely ). They immediately closed my Paypal accounts to online or app access, and after 60 days reject all 25 disputes I claimed ( as the names of the charges were too vague, one letter names, numbers, etc-I needed to know who they really were ) on a Sunday at XXXX XX/XX/XXXX ... all of the disputes were rejected in a plethora of late night form type emails. I never paid these accounts because of this clear breach of contract-now they send them each to collections-where I explain this to each agency, they then return the debt to Paypal, and XXXX XXXX-both of whom I have not only contacted, but basically after hearing my story-dismissed it as " too difficult '' and to late for their 180 day window ). But I filed my disputes within 30 days of the problems arising-and yet, they still would not allow me any courtesies. Now they are getting each collection sold BACK-over and over again, as the agencies agreed these were not collectible debts-then Paypal and XXXX XXXX sell them yet again-it has now been 6 different collectors, and it seems this will continue. I believe this isn't legal-but moreover, I strongly believe Paypal, a public company has violated their charter-and I think my proof of my ID theft was very compelling. I am asking for your assistance in this matter, otherwise I would need to sue Paypal-a daunting task, and probably fruitless. Thank You | ||||||
| 12/31/2015 | Yes |
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| On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank. | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email address : XXXX ). I firmly believe that this limitation has occurred due to a misunderstanding or error, as I have always strived to adhere to PayPal 's policies and guidelines. I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has been used primarily for personal transactions and occasional online purchases, and I have never been involved in any fraudulent or unauthorized activities. Given the importance of my PayPal account for various financial transactions, I kindly request that you re-investigate my case thoroughly. If any discrepancies or misunderstandings have led to this unfortunate situation, I am more than willing to provide any additional information or documentation to assist in resolving this matter promptly. I understand that PayPal places a strong emphasis on security and compliance, and I appreciate your commitment to ensuring a safe and trustworthy platform for all users. However, I firmly believe that my account 's permanent limitation is a result of an error or misunderstanding, and I kindly request that you review my case and, if possible, restore access to my PayPal account. I value my relationship with PayPal and the convenience it has provided me in managing my finances. I sincerely hope that this issue can be resolved amicably, and I can continue to use PayPal 's services in the future. Thank you for your attention to this matter. I look forward to a prompt response and the opportunity to provide any necessary information to support the resolution of this issue. | ||||||
| 03/19/2022 | Yes |
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| Hello, I am the victim of the Venmo scam. Long story short, I was scammed {$3000.00} in Venmo. Thankfully, my bank was right there with me to prevent the fraud and stopped those XXXX Venmo transaction to go through. However, Venmo is not doing the same. I opened the disputes and keep reaching out to Venmo for help to get my refunds, but the total opposite has been happening to me. Venmo froze my account, took my balance I already had to automatically apply to the negative balance of {$3000.00} and making me 100 % liable. No matter how many times I tell them the other payee was the scammer with all the evidences, they are just putting all those things on me and not doing anything with the scammer. Despite me being the victim, Im the liable and the bad guy to them. They keep tell me to reach out to my local law enforcement and I did. I made police getting involved, but they cant proceed because Venmo wouldnt give the search warrant about the scammer. I never felt so suffocated and betrayed by them. Not doing well mentally and and thought about many life ending thoughts because that money was all I had in my savings. Now as Im reading through some of the articles, if I dont pay that amount and leave it like that, I read that Venmo will eventually reach out to the collection agency about the negative balance. I was wondering if you can please help me find the justice in this situation, where I'm the victim and need to get my money back here. To them, {$3000.00} is a tiny amount of loss for their multi-billion dollar company. For me, this money is everything for my XXXX and personal debts. Im reaching out to see if I can get more info about them or you can help me bring this to the light. Thank you so much for reading through this. God bless. | ||||||
| 02/20/2019 | Yes |
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| Pay Pal and XXXX today XX/XX/XXXX If you sell through XXXX you must use Pal Pal. The Item shipped out XX/XX/XXXX and was delivered XX/XX/XXXX XXXX say the releases payment within 24 hours of delivery. Today is 48 hours from delivery and I still have no funds. Upon calling XXXX they will release in 24 hours. They will ONLY release to Pay Pal who for no reason will only transfer to their own debit card through a clearing house which takes 72 hours. Pay Pal put a hold on the miney as soon as they received the purchase money so they have had use of the funds 11,12,13,14,15,16,17,18,19,20 and then 72 hours longer 21,22,23 So for 13 days they have been earning interest on my money and a billion other XXXX dollars. They will not release any of my funds but if XXXX says we have a bill for {$47.00}. They take my money from a sale through offer up and without delay pay XXXX. Without notice to me. It is ok to pay money I owed. But there is no delay to XXXX. But they have to hold for security my money for 72 hours. They have had cash for 10 days, the buyer has delivery, whos security? Not mine. Not the buyer. Not Pay Pal. It is so they can make another 3 days interest on their investments and billions of other dollars belonging to suckers who use Pay Pal or XXXX. They held my money last week because they have to verify who I am. Even though I opened the account in XXXX. They had to wait until they had money to hold to verify that way they can earn money holding onto my money. Nothing disclosed. They said it is in their user agreement. Every bank or mortgage company or even a pawn shop has tougher full disclosure rules than Pay Pal. I want everyone to stop being ripped off. Money on hold just means we use other peoples money to make money. It should be outlawed! | ||||||
| 10/02/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX Firstly, I believe that this limitation may have been imposed as a result of a misunderstanding or error. I have always strived to adhere to PayPal 's policies and guidelines, and I am confident that I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to re-investigate my case thoroughly. I am hopeful that upon a closer examination, it will become evident that my account has been unjustly restricted. I understand that security is of utmost importance to PayPal, and I fully support their efforts to protect users and the platform itself. However, in this particular instance, I believe there may have been a mistake. I kindly request that my account be reinstated if the investigation reveals no wrongdoing on my part. This would not only alleviate the inconvenience I have experienced due to the account limitation but also allow me to continue using PayPal for my online transactions, which I rely on for various financial activities. I am committed to cooperating fully with PayPal 's investigation and providing any necessary information to resolve this matter promptly. I value the services PayPal offers and the convenience it provides to its users, and I hope to continue being a responsible and compliant member of the PayPal community. Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the reinstatement of my PayPal account. Please feel free to reach out to me at XXXX for any further clarification or information you may require. Sincerely, XXXX XXXX | ||||||
| 10/16/2020 | Yes |
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| On Thursday, XX/XX/XXXX I received a message saying that I sent a person I have never heard of XXXX $ from my Paypal account balance. Right away I went to my account and logged in. It showed a transaction as a gift to a name I've never heard of out of another country. It showed that the transaction is still pending, it still says it is even while I write this. This transaction was not me so right away I changed my password and passwords to other accounts like my email, I only use my personal computer to access my paypal and no one else has access to it. After changing my passwords I submitted a case with Paypal that this transaction was unauthorized and to stop the payment, I also let them know I changed my password incase they still had access. After about 1 hour Paypal informed me that they closed the case and will not stop the payment. They did not ask me any questions, inform me what this transaction is or how it happened. I was simply told within one hour of opening a case with them that they would not help me in any way. I don't understand why they will not stop the payment to a person that I have never sent money to before, and has an obviously fake/foreign email and name. Especially since the transaction says the person will not receive the money until 6 days from now. Paypal refuses to let me resubmit any kind of case about the issue. This is a lot of money to me, I lost my job to the virus and I have had to sell personal belongings on XXXX just so I can get by. The transaction does not say it has anything to do with XXXX like a transaction with them would. This was obvious and pure unauthorized access/fraud yet they denied my request without even asking me a single question. Please I'm asking for help here, I don't know what to do ... | ||||||
| 07/10/2020 | Yes |
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| I have had Vemo for a while now and I have a balance of {$130.00} on my account which started to decline one day. I contacted them to see why. They stated I need to verify my identity in which I did. I sent a copy of my ID. After that I then had to contact them to let them know my account was still locked. Then they stated they need statements for accounts I have on file. I sent the statements intermediatel.I do have prepaid accounts linking to Venmo there I sent those statements. I was then told that The statements I have are not the ones for the cards on file which they are. I even offered to have then contact the bank to verify themselves as I have no problem proving who i am. I spoke to an XXXX XXXX and he said since my card number was not stated on the account he could not take the statement. However I can not help that my card number is not listed on my statement as they normally aren't. its an account number that will be listed. Again I have told them they can call the bank themselves. They keep stating I have not verified my identity when I have sent my ID and also statements. I am demanding my funds be released and my account closed as i do not want to deal with them anymore. They are holding my funds and this is a complete scam. XXXX XXXX stated he will hold the funds for up to 180 days however if I sent everything why not release my funds now. I want to close the account after how they are dealing with this issue. I had to contact them from the beginning, The moment they froze my account they failed to contact me at all to resolve anything!. I do plan on retaining a lawyer if my funds are not released as they could easily contact the bank to verify that the acccount is mine being i sent ID and statements that will match the card on file. | ||||||
| 02/19/2023 | Yes |
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| XXXX find the following illegal chargeback from a sender who paid me the rental deposit of {$400.00} but filed a chargeback after a few months and she is still living in the apartment. Venmo continued the chargeback by taking the money away from my Venmo account to her account after I sent Venmo the lease agreement and all electronic communications with the sender who acknowledged in the communication that the chargeback was false. This made no sense and had no Customer protection at all since fraudulent chargeback can happen by anyone for any reason. I cant imagine that this can happen so easily for someone to steal money from us and there was no justice at all. Update on your Venmo case Dispute ID : XXXX Transaction amount : {$400.00} USD Disputed amount : {$400.00} USD Transaction date : XX/XX/2022 Sender name : XXXX XXXX XXXX XXXX of your senders opened a case for this transaction. This means the sender has asked their financial institution to reverse the money for this transaction. We want to help you, and we are disputing this case with your senders financial institution. Because of the following reason ( s ) : This transaction was not marked as eligible for Purchase Protection. an amount of {$400.00} USD has been debited from your Venmo account during case filing and you will not be debited again. We understand that you may not have been expecting this chargeback. If this debit has caused your Venmo account to go negative, please log in to your Venmo account and add money to your account by visiting venmo.com/addfunds. If the financial institution decides the case in your favor, we'll notify you when the payment is returned to your Venmo account. We'll email you if we need any further information from you. Thank you for using Venmo. | ||||||
| 03/15/2018 | Yes |
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| I have a Paypal business debit card so that my friends who I do work for can send me money for work I've done for them and I can have immediate access to those funds without waiting for them to transfer to my bank account. I've used the card for about a year without incident. However, apparently I didn't realize that a charge had gone through and it overdrafted my paypal account by around {$75.00}. I was never notified about it. Never told my balance was less than XXXX. Had I been I would have tried to rectify it before today. Unfortunately, I am unable to work much right now as I have a XXXX illness that makes it hard to keep dependable hours. But I was able to do some user testing for XXXX the other day and got some XXXX gift cards in return. I need cash more than XXXX funds right now so I sold the gift card to a friend and asked her to pay me via paypal. I needed this money to pay for gas and food. I am sleeping in a friend 's couch currently and need desperately to be able to drive for XXXX and XXXX this weekend to make some money. But I can't now because Paypal took the money I had apparently owed them ( that again they never notified me about ). As a result I am in an extremely precarious financial situation. I don't know how I am going to eat or pay for anything going forward. I feel like I am dead in the water. I am terrified. I spent 45 minutes on the phone trying to get this resolved with Paypal today and they refuse to help me. I am attaching a screenshot of the transactions that were only reflected in my balance after my friend sent me money. Before that my balance showed XXXX. Paypal has violated not only fair debt collection regulations but also banking regulations governing overdrafts. Please help. Thank you. | ||||||
| 09/27/2023 | Yes |
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Web | Servicemember |
| There were several fraudulent charges on my venmo card tried to resolve through disputes with the company they denied claims XXXX XXXX emailed the fraud department or dispute Department talked to customer service filed a police report and venmo still refuses to do anything about getting me my money back On XX/XX/XXXX wrote review through XXXX play. Got a response from Venmo developers probably automated on XXXX XXXX 2023. On step XXXX 2023 wrote emails to customer service and dispute center asking for what proof they needed got no response XX/XX/XXXX wrote email and received a claim denial letter On XX/XX/2023 was told via email that the dispute center would reach out within XXXX hours On XX/XX/XXXX of 2023 sent a list of fraudulent charges via email to venmo customer service for the XXXX or fifth time XX/XX/XXXX file the police report forwarded that to venmo customer service On XX/XX/XXXX they sent me an email asking if any of the articles that were not anywhere near pertaining to my issue would resolve the problem On XX/XX/2023 venmo contacted me telling me that somebody from the dispute resolution center would be contacting me they never did XX/XX/XXXX first got a dispute denied email XX/XX/XXXX referring to an email that was sent to me on the XXXX I told them I did not have any receipts to prove anything about the transactions because it wasn't me that made them I wasn't present I did not authorize the transactions Starting on XX/XX/XXXX there was several attempts to start a claim with venmo giving them the list of transactions dates and amounts of the transactions to have them deny claims and delay in response to my inquiries I'm not able to get all dates because it's through their app and it does not save that information for my viewing | ||||||
| 10/13/2022 | Yes |
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| Have you heard about the more recent phishing scams using PayPal invoices? I think there is some liability on PayPal 's part. When my elderly relative received an invoice sent via XXXX he hovered over the return address to verify the sender. It really was sent from XXXX, and further it appeared to have been sent by " Billing Department of PayPal '' because the scammers had set their PayPal account company name to be " Billing Department of PayPal. '' *It seems outrageous that PayPal lets scammers use company names like that, which are so obviously designed to defraud people. * It made the phishing message seem even more legitimate. The message claimed to be alerting my relative to a possibly fraudulent pending charge. The charge would be posted in 24 hours. Since the message really came from XXXX and was sent by " Billing Department of PayPal, '' my relative believed it and called the toll free number provided in the email, and was scammed for almost {$70000.00} by two people over the course of two days. There was an initial scam and then a " fraud investigator '' contacted him to further scam him. It's sickening. The scammers sent wires out of my elderly relative 's bank account, but since his PayPal account was unharmed PayPal hasn't been very helpful. They won't even let him file a complaint. PayPal should not let scammers set up company names like " Billing Department of PayPal. '' That's entirely within PayPal 's control. They are letting scammers use their platform to defraud people and they don't seem to be doing much about it except tell people to report suspicious messages. That's not enough to protect the less scam-savvy members of society. Thank you in advance for any pressure you can put on PayPal to change this outrageous policy. | ||||||
| 08/27/2021 | Yes |
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| I enjoy online gambling and have found it difficult in the past finding a bank account or service which allows me to easily deposit and withdraw from my casino accounts. I noticed PayPal advertise that they're service can be used with a lot of casino websites, so I created my account in XXXX last year. Since then I have been using my account to deposit and withdraw to online casinos ( all of which are legal and registered with the New Jersey Division of Gaming Enforcement ). Occasionally, I use the account to send/receive money from other friends with PayPal accounts. I use the account regularly ( almost daily ) and my usage has remained the same for at least 3 or 4 months at least with no issues. Two days ago XXXX XX/XX/XXXX ) I received an email stating my account had been limited. I was no longer able to send or withdraw my money until I responded to their requests for information. This was fine, and I logged in immediately to provide a copy of my bank statement and an explanation of the activity on my account as requested. The next day ( XX/XX/XXXX ) I receive an email stating I can no longer use PayPal and that they have locked my funds due to suspicious activity and potential risk! No further explanation. They also informed me that they have frozen my funds for 180 days and I will not be able to access them. The balance of my account is currently {$34000.00} which is obviously a significant amount of money. I can not lose access to my money for no reason what so ever. 180 days is an incredibly long time! As far as I'm aware, I have not broken any of their XXXX XXXX XXXXs or usage rules. I have only made transactions to online services registered with PayPal and sent money to other PayPal accounts. I need your help to get my money back. | ||||||
| 08/25/2023 | Yes |
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Web | Servicemember |
| On XX/XX/23 via XXXX marketplace a buyer contacted me to purchase two XXXX I had listed for sale. The customer and I communicated via XXXX chat. He said he had been banned from using XXXX for payments and would like to pay me via paypal. I said that was fine. He sent me a total of {$720.00} for two XXXX. Before shipping out I contacted the customer to make sure the address provided was accurate. The address I had was in XXXX, WA. The customer said that he would like them shipped to another address in XXXX XXXX, TX. I have records of our communication. I confirmed once again this address in TX was accurate and explained that once shipped out I could not replace, or refund if the address provided was not accurate. He confirmed the address in TX was correct. I sent out the XXXX and provided tracking. The items were delivered on XX/XX/XXXX. The seller opened a dispute in PayPal claiming he did not receive the XXXX. PayPal asked for proof of shipment I provided the tracking number, Paypal requested proof I sent to the address so I sent the shipping label image which shows the address that was provided by the seller. I also sent a copy of our chat which shows the seller asked me to change the address from XXXX, WA to TX. Paypal, ruled in the buyers favor. I have since learned that this is a common scam, scammers have learned to take advantage of PayPal, they will deliberately ask for a different address to ship to, and then will open a dispute so that they get refunded and they also get to keep expensive electronics, leaving us businesses or sellers out of luck. Paypal advertises safety policies in place to protect buyers and sellers but it seems the only people that their policies protect are scammers who know how to take advantage of their system! | ||||||
| 05/26/2017 | Yes |
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| Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case. | ||||||
| 02/11/2021 | Yes |
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Web | Older American |
| For the last two months or more we have received 4 different emails from PayPal from people who bought things at different stores. In order to resolve these issues I have called the stores one being XXXX and the Other XXXX XXXX XXXX XXXX They have told me the charges were real and that my email address was not on their accounts. I even spoke to the store in Florida and we live in XXXX and they knew the lady and assured us that is was a real charge and she didn't have my email address on the account it was something only PayPal could correct. Upon talking to PayPal they are refusing to address the issues and saying it is spam and I tried very hard to explain that it wasn't it is real. Each email was also sent to their XXXX so they know about them and are refusing to look in to the problem and try to resolve it. Peoples names and email addresses are on these and in my opinion PayPal is providing personal information which is against the Hippa law. All I am trying to do is have this fixed and stopped. I spoke in detail to XXXX XXXX XXXX and they agree with me that it is real and should be looked into by PAYPAL. When I call PayPal gives me a difficult time and we argue on the phone or they refuse to talk to me. I have done more than half of the work talking to the stores and spending my time to fix a problem that is PayPal and they are refusing to do their part by sweeping it under the rug calling it spam. I could have cancelled these orders but the stores asked me not to as they felt the customer knows nothing about my email address and it is a PayPal mistake which PayPal refuses to do anything about. I am just the customer who is being treated like dirt and I am trying to correct their mistakes while they sit and refuse to do anything at all. | ||||||
| 06/11/2020 | Yes |
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| PayPal had an inactive account in my name with an old bank account, my account marked as suspicious activity and I was unable to login and verify what was going on until I could reactivate an email address that this was associated with! However, allowed purchases from XXXX during a worldwide pandemic With multiple purchases made on the same day from - Completed XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment Loading transaction details for XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment XXXX - ( XXXX ) - negative {$18.00} XX/XX/2020Retail Payment XXXX - ( XXXX ) Since XXXX I have tried everything to resolve this with PayPal, however their stance is this is Normal for my account. Its absolutely theft and deception. They do not have anyone to contact in the USA as they do not have a phone center in operation. They continue to have me write letters just to decline my claim that purchases from XXXX from a closed account are normal? This has got to stop! This is abuse of power! | ||||||
| 12/13/2023 | Yes |
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| On XX/XX/23 I received this email : " Hello, XXXX XXXX XXXX PayPal Your PayPal account is currently limited - We recently asked you to take action on your account, and we haven't received a response. Why is your account limited? We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we need more information from you. To help keep your account secure, please take action on your account. We've also temporarily limited certain features in your PayPal account. Currently, you won't be able to : Send money Withdraw money Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. What should you do? Log in to your PayPal account and perform the required tasks. XXXX XXXX to PayPal What happens next? Once you've finished, we'll review and get back to you with the status of your account within XXXX business days. Thanks for taking care of this. PayPal '' On XXXX, I submitted all requested documentation, and I received this response. " Your information is being reviewed The information you submitted is currently being reviewed by PayPal. Once we complete our review, well get back to you regarding the status of your account in XXXX business days. Thank you for your patience. '' As of XX/XX/23 I had not heard anything from PayPal and my funds were still frozen. On XX/XX/23 at XXXX ( XXXX ) I contacted PayPal and was told " the system failed to move my account into the correct queue for review. The rep was moving at that time, and I would get a response in XXXX hrs. As of XX/XX/23 XXXX ( the time of this complaint ) I have had no response and my funds are still frozen. | ||||||
| 10/29/2023 | Yes |
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| I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this limitation is the result of a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various transactions, both personal and business-related, with the utmost respect for PayPal 's terms of service. It has always been my intention to conduct all activities in compliance with your platform 's rules. I kindly request that PayPal reconsider and thoroughly investigate my case. If any discrepancies or issues have arisen, I am more than willing to cooperate fully and provide any necessary information to help resolve this matter. My goal is to restore my account to its previous standing so that I can continue to use PayPal 's services for my online financial transactions. I understand the importance of maintaining a secure and trustworthy platform for all PayPal users, and I fully support PayPal 's efforts in this regard. If there have been any concerns about my account activity, I am eager to address them and take any necessary steps to rectify the situation. I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services for my online financial needs. I believe that a careful review of my account activity will demonstrate my commitment to being a responsible PayPal user. Thank you for your attention to this matter. I kindly request a prompt review of my appeal, and I am available to provide any additional information or clarification as needed. | ||||||
| 03/31/2020 | Yes |
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| XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). The Jacket sold for $ XXXXOur conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, XXXX file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution. For now, Paypal decided to refund the money from my account, and didnt ask the buyer to return the jacket. Paypal charged me {$1400.00} from my account and I also lost the jacket. | ||||||
| 05/18/2016 | Yes |
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| I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest. | ||||||
| 11/12/2023 | Yes |
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| On XX/XX/XXXX, I used PayPal to send money to my friend. I sent her {$1700.00}. After sending her the money, I contacted her to verify that she received it. She had not. I checked my PayPal and saw that it had instead been received by a man named XXXX. This was the incorrect person. I then called PayPal to have them cancel the transaction because it had not yet been accepted or withdrawn by the individual. Customer service encouraged me to contact this individual and helped me file a claim. While I was awaiting to hear back regarding the claim, I asked customer service if I could contact my bank to have them bounce the transaction because it was incorrect and had not yet left my account. Customer service agreed that I could contact my bank. My bank was quick to bounce any transactions that amounted to {$1700.00}. I believed that my account was now secure and that the money would not be wrongly received by this individual. Later that day, I received a notice that PayPal had denied my claim. At this point, the money was still not withdrawn from my account. I was confident that my bank would bounce the transaction if XXXX accepted the money. He never responded to my methods of contact, but he did eventually accept the funds and PayPal charged my bank account on XX/XX/XXXX. Yet I did not have the funds to pay this. When the money did not go through, PayPal still gave XXXX the money and placed my account on a negative balance. I am now being contacted by a collection agency to pay the overdrawn fee. I disagree that my account should be overdrawn because I reject the transaction and do not permit it. I have tried contacting PayPal customer service since then but have been unable to talk to anyone about this particular case after attempted calls. | ||||||
| 09/19/2023 | Yes |
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| XX/XX/2023 I used my venmo card when I checked in at pechanga hotel for the {$100.00} deposit for incidental. That {$100.00}, can also be use towards in room charges. I checked out on the XXXX, and per pechanga hotel, they released the hold on the same day and sent venmo the final bill which is only for {$32.00}. Where that should have been processed and posted by venmo on the XXXX and release the rest of my funds as well. However that's not the case. Up to now they still haven't processed the {$32.00}, in which one of their customer service verified that they're already showing it ad being received on their end, but she doesn't know why it hasn't been processed and my funds are still on hold. So she transferred me to another debt. The lady I spoke with told me that it can take up to 12 days for them to process that and the funds won't be released until its processed. I asked her, even they already received the final bill? It takes that long? That's a no brainer. I Told her that it is a scam, that we all know that it would only take one business day to process the transaction. Or at least that's the usual banking standard time frame. And I won't take that long. I mean, yes, I get it that it can take. Thirty days for them to hold on the funds if there's no final bill from the company that sent the authorization. However, my case is different since the company have sent them the actual bill of the final bill. And yet they're still holding on my funds. This is not fair for the consumers. Are they paying us interest for the time being they have our money? No. I think these company such as venmo should have a reasonable time framed aligned with most financial institutions in this country so that they won't abuse their customers and their money. | ||||||
| 02/15/2022 | Yes |
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| Hello so my problem is I been contacting PayPal for the longest regarding this complaint I did a PayPal pay in 4 plan For a stay at XXXX the hotel was disgusting I have pictures it didnt have heat I contacted PayPal they couldnt help me but then I also contacted my bank I spoke to numerous reps from PayPal that said if I can provide proof my bank ruled in my favor then Im able to have everything waived which I provided proof already regarding that problem I get told by numerous reps from PayPal its a technical error and thats coming from executive escalations department of PayPal one rep says its good the other rep says its not good a rep that said it wasnt good at first email now says its a technical error as well I have emailed them countless of times trying to figure out whats right and whats wrong I have received threatening phone calls from them and being told they are going to mess up my credit report if I dont pay it back but I told them its a technical error and they will say yes I see it dont worry but I just got told today by a rep that its 70 days over due and I need to pay it and now the rep Im speaking to is saying its a technical error nobody is giving me factual information the only factual information is getting that they will mess up my credit report but another thing is a rep giving XXXX dollars and change if a rep is doing that I dont think my account is in the negative because no way would a rep from payola give you XXXX dollars as an inconvenience if you owe money so I need help getting to the bottom of this I just sent PayPal executive office more emails that said Im going to file a complaint with you guys I dont think my credit should be in jeopardy for misinformation and I will be proving screenshots of this problem | ||||||
| 04/26/2021 | Yes |
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| On XX/XX/20 I submitted a payment via Venmo of {$60.00} to an active account for my niece. Shortly thereafter she informed me that her account had recently been hacked and the hacker immediately changed her contact data, and withdrew all of her funds. Venmo was unable to assist her because they claimed she could not confirm her identity since the hacker changed the email address and contact data on the account. Due to this she lost the funds tied to it. The hacker has left her account active, and the picture the same. However, she has no ability ( per Venmo ) to disable it as they claim she can not confirm her identity ( again due to the hack ). They told me the only way to retrieve my money was to have her account holder issue the refund. As you can see where this is going, she no longer has access to the account, and Venmo will not provide her with access. Therefore the money is in the hackers hands and contacting them is not possible. I have tried pursuing this with my bank as well ( XXXX XXXX ), however they just go off of the results of the company ( in this case Venmo ). I have tried pursuing this via the XXXX, Venmo, PayPal ( owns Venmo ) and XXXX. All avenues have resulted in the same run-around that without the hackers contact info and them refunding the money that the money is lost. I was under the impression that Venmo was a secure service but it would appear this is a major flaw in their protocols. I would say the same about XXXX XXXX. In this case the amount was {$60.00} but I fear what could have happened if the amount was larger. I hope you can help me resolve this and get the funds returned but at the very least I hope it triggers them to reevaluate their procedures to ensure a more secure process. Thank you | ||||||
| 06/29/2020 | Yes |
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| Hello my name is XXXX XXXX, my complaint is about PAYPAL!! well my fianc had {$95.00} USD in her paypal account so when she tried to withdrawal the funds for whatever reason it kept giving her some type of error message so, not knowing any better she transferred the funds into my paypal account to see if we would have better luck with mine but seemingly it has opened up a whole other set of problems!! well since the pandemic the local XXXX offices have been closed. so unfortunately my license plate tags have become expired and i had gotten pulled over for the tags being dead so long story short the police officer said he had to take my plates and my D.L 's, leaving me without any form of picture I.D . well paypal says they limited my account from being able to do anything like send receive or withdrawal funds until I upload a picture I.D that is not expired. well I tried and tried to make them understand that i could not get another one made due to the pandemic and that i desperately needed the funds because we had no income at the moment due to pandemic as well and that every XXXX counts right now even if it is only {$95.00} dollars. BUT TO NO AVEIL THEY INSIST THEY WILL HOLD MY MONEY UNTIL PICTURE I.D IS UPLOADED!! PLEAAAAASE HELP!!!. also i asked them why the limitation was put into effect to begin with when its the first transaction ever done!!??? I have called and called and called cant get anybody on the phone and very seldom someone replies to my messages after days and days of waiting!! i have since heard so many horrible stories of the unfair and terrible business paypal does from sooo many people WHY IS THIS COMPANY NOT HAVING TO COMPENSATE FOR THE TERROR THEY BRING TO SO MANY PEOPLE??!! Thanks and God bless you and your families | ||||||
| 04/02/2018 | Yes |
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| This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account. | ||||||
| 11/19/2016 | Yes |
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| Paypal Credit will not cooperate in regard to payment arrangements/settlement.. The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided. | ||||||
| 06/08/2023 | Yes |
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| I received a payment of {$2200.00} dollars on XX/XX/2023 and Venmo suspended my account when I tried to transfer it saying my card was linked to another account and I never gave anyone authorization to use my card for anything and now I submitted multiple times my bank statements they were asking for via email and they are saying that that's not what they are looking for. The last lady I spoke with said an email would be sent in 5-7 business days. I received an email saying upload my ID and bank statements in the next few days and I did exactly what they wanted me to. I am positive it's the right card and the statements they repeatedly asked for and they are saying it's not what they need and it shows it is and the last four digits of the card is on the transactions list as well. They are not specifying what exactly they are looking for and at this point I don't think they are looking for anything. My funds are still stuck on this account and I had to pay rent since last week. They repeatedly send an email saying it's not what we are referring too but it definitely is. I submitted a ticket on the venmo account today because that's the company I'm referring to. I told them what I'm telling you now and I'm getting frustrated because I also uploaded the files as well. They are so vague and not explaining to me why they are just holding my funds. " This cause tremendous amount of stress and can possibly lead to eviction if my landlord pushes the issue. " Please unfreeze my account. I gave you guys everything you requested and asked for. " Exactly what I told them and they are still doing nothing and saying that the ones who can unfreeze my account is unreachable what app does that? Who just holds people funds and say it's nothing they can do? | ||||||
| 09/12/2022 | Yes |
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| I created a PayPal account, it became restricted, called in, and was told by them to open a new account. I did so and that one became restricted as well as opening new accounts violates their terms of use. Now, months later I have gotten the original account unsuspended by providing legal documents such as my government drivers license, Social Security Card, and bank statements that proved proof of residency. I called in, had the documents reviewed and got the ban lifted as they saw the documents were authentic. However, that same day my account was under review again and again they asked for my I.D., proof of residency, AND passport. I do not have a passport so I called in again and got transferred to a ver batum " higher up '' where the associate explained that even she does not know why that information was being requested again as in my account she could see that my I.D . and such were approved and that my passport should not be asked for. The problem here was that I do not have a passport. She said that would not be a problem however, and just asked that I provided my I.D . and bank statement once more, and that my account would be put on a priority list to check as she already knew I was clear it seemed. 3 days later I get the notice that I am again permanently banned from PayPal, and when I called in yesterday ( XX/XX/2022 ), I was told that my account has been labeled for " null appeal '' because they found another PayPal account with my credentials, the same account I was TOLD to create by a PayPal associate about a year ago. So now, because an associate of their own company gave me direct action to violate their terms of use, which are not readily available on their site, I am no longer to use their service permanently it seems. | ||||||
| 02/02/2022 | Yes |
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| I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason. 6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. thanks, | ||||||
| 08/23/2021 | Yes |
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| Earlier today my PayPal account was closed with the reason being in violation of " PayPal Acceptable Use Policy '', now I know for a fact that my PayPal account has not been in violation of PayPal 's Acceptable Use Policy as all I have been selling on my PayPal account was services related to marketing. Now PayPal 's limitation was unexpected to say the least, my PayPal account holds a balance of over {$220.00} CAD which are inaccessible for withdrawal. PayPal has caused me great financial loss by limiting my account incorrectly and I request that PayPal lifts this limitation and lets me withdraw my funds out of my account. I have personally been a long time user of PayPal and have not had any issues in the past years, for this to suddenly happen without any sort of reason given. I have attached PayPal 's user agreement as a PDF, I can confirm I have not violated PayPal 's user agreement in any sort of manner either. I XXXX XXXX have been using PayPal 's services fairly having had 0 disputes in the past, with fully satisfied customers. PayPal 's limitation on my account has caused me great financial loss from future clients being unable to use PayPal. I have attached additional proof showing that my business dealings using PayPal have all been regarding marketing my clients ' 'XXXX server ' ( Proof attached shows my latest transaction on PayPal ). XXXX is a social media platform where users can create servers for people to meet up and communicate as a community, I personally have been selling marketing services to 'XXXX server owners ' ( Clients ) guaranteeing an increase in their XXXX server member count. I have gone through PayPal 's Acceptable Use Policy and have found that my service is infact compliant with PayPal 's policies. | ||||||
| 12/18/2018 | Yes |
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| Yesterday we found {$4900.00} in fraudulent ACH Debits taken out of our personal checking account at XXXX XXXX from XX/XX/2018 to XX/XX/2018. They were all through Paypal eChecks or Instant Transfers. Upon calling Paypal, we discovered there was another Paypal account set-up by " XXXX XXXX '' using our bank account information ( none of these transactions came out of our own Paypal account ). Paypal immediately suspended the other account and has told us that they are willing to refund us for fraudulent charges of the last 60 days, but that our bank would need to submit an ACH reversal to do so. When speaking with XXXX, they are not willing to do an ACH reversal for the last 60 days, only the first 60 days after the first fraudulent ACH debit. When we initially spoke with our bank about the fraud, we flagged all Paypal charges as being fraudulent ( since XX/XX/XXXX ), although a few hours later we spoke with Paypal and realized that the XXXX and XXXX charges were not fraudulent ( we had actually made these ). Therefore, only charges since XX/XX/XXXX were fraudulent and we immediately informed XXXX. XXXX has since refused to change the date of ACH reversals to XX/XX/XXXX, as it should be, and they are not willing to submit ACH reversals for all fraudulent transactions even though Paypal will accept the ACH reversals the last 60 days ( XX/XX/XXXX - XX/XX/XXXX ). This obviously leaves us in a very tough position, as we will lose out on the majority of our money as the two 60 day periods do not line up! Upon doing research online, this also appears to be a very common fraud problem for consumers that use both Paypal and XXXX. What's the value of your claim ( in US $ )? {$4900.00} Date of transaction/travel date : XX/XX/2018 to XX/XX/2018 | ||||||
| 11/20/2023 | Yes |
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Web | Older American |
| In XX/XX/XXXX, someone gained unauthorized access to my Venmo account, resulting in the withdrawal of {$1000.00} from my checking account. The the hacker then attempted to use my credit card, and the CC company flagged the transaction as suspicious and contacted me, preventing any further damage. Venmo reimbursed the {$1000.00}. Since that time, I have received many emails ( often multiple times a day ) warning me of sign-in attempts to my account. I called Venmo and they told me that my account is " locked '' but not " closed ''. The only way that I can close the account is to upload to their website : 1 ) an unobscured color picture of your unexpired US government-issued ID AND 2 ) a selfie of you holding your ID I do not feel comfortable doing that because I have already been hacked once. I have spoken to several people at Venmo, and all confirm that there is nothing they can do without me sending the information above. I have no doubt that the people I have spoken to at Venmo are telling me what the company policy is, but shouldn't there be another way for me to close my account? I've closed many types of accounts over the years and have never been required to transmit this personal information. It is 18 months later and I continue to have sign-in attempts to my account. I have communicated with the following people : XX/XX/XXXX : Reached out to customer support. ( request # XXXX. ) XXXX. Account Specialist | Venmo XX/XX/XXXX : Reached out to customer support ( request # XXXX ). XXXX : Communicated with customer support members XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX : Submitted a claim to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed on XX/XX/XXXX that CFPB is the agency with oversight of this matter. | ||||||
| 04/19/2016 | Yes |
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| PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later. | ||||||
| 11/16/2023 | Yes |
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| I had a returned payment in the amount of {$70.00} for XXXX XXXX. It resulted in my Venmo account being frozen. I tried to resolve the issue on the app and on my desktop computer. Per the FAQ on this issue- you could resolve the error by following the prompts in the app or using the venmo.com/recover link. I have no prompts in the app other than to contact customer service. And the link doesnt work. I messaged Venmo on XX/XX/XXXX to let them know that I wasnt able to resolve the issue myself per the instructions and asked for assistance in remedying the issue to unfreeze my account. I sent several messages stating that I wanted to pay the {$70.00} so that my account would be unfrozen and I could use it again. It took several messages to get a response and I kept getting generic responses stating the FAQ information or that I had to be transferred to another dept. On XX/XX/XXXX, I finally had someone named XXXX tell me that I had to send in my bankruptcy discharge information in order to resolve the account. My bankruptcy didnt affect my Venmo whatsoever and this bankruptcy was filed in XX/XX/XXXX so no idea why it would affect my account. My case ended up being dismissed so I sent in a copy to the same email that had told me to submit this information and it restarted the ticket all over again. I got the generic message from a person named XXXX stating I had to be transferred to another dept on XX/XX/XXXX and havent received anything in response since then. This has been months of me going rounds with the company now and I need help to get this resolved. I wish to pay the {$70.00} and have my account unfrozen and active again. Ive done everything per the FAQ and submitted the requested information. And nothing is being done to help me. | ||||||
| 04/12/2023 | Yes |
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| XX/XX/2023 : I purchased a monthly subscription on XXXX for {$8.00}. On XX/XX/2023 both my debit and XXXX credit cards were charged {$1200.00} on XXXX through Paypal. The charge on my debit card was stopped by the bank but the charge on my XXXX card was processed. I immediately closed the corresponding XXXX account. I contacted Paypal to cancel the subscription and open a dispute. On XX/XX/2023 Paypal sent me an email stating that case ( ID # XXXX ) was denied because the purchase is not covered under the terms of Paypal Purchase Protection. XX/XX/2023 : I contacted XXXX by email, I couldn't fine a phone help line for them. I included the invoice ( # XXXX ) I received for {$1200.00} and explained that this was a fraudulent purchase. I contacted XXXX and reported the fraudulent charge. XX/XX/2023 : XXXX applied a temporary credit to my account and started their investigation. They explained that it may take approximately 30 days to resolve. XX/XX/2023 : XXXX notified me that an unauthorized party may have accessed my account and that they have assigned me a temporary password. An order ( # XXXX ) for {$200.00} to be sent to an unknown address was attempted. I reset my login credentials and removed all saved payment information from the site. XX/XX/2023 : XXXX ( XXXX ) replied stating that all sales for digital content are final and non-refundable. I reiterated that I did not make this purchase and it was a fraudulent charge. They replied by stating that they couldn't find any evidence that these transactions were unauthorized or that my account was compromised. The monthly XXXX subscription for {$8.00} that I purchased on XX/XX/2023 looks to have been the catalyst for the entire series of events that have since transpired. | ||||||
| 07/15/2022 | Yes |
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| I received an email from Paypal which I use as a banking account saying that someone had been using my card and if this was it a purchase that I made or not it was it it was a phone number I called it I questioned the gentleman about his wanting information from me that you wouldnt normally ask so I asked for a supervisor he put a supervisor supposedly on the phone then he started getting hostile with me because he could actually see what I was doing on the cell phone so when I would type I have entered the wrong information hes like no not there go here and then I tried questioning him again about what it was about and he said well we want to find the IP address of where this person took your money once we find the correct IP address then you will receive your money back to the card right away it still sounded fishy to me but I was just really tired because I had it my mother pass away and I live in Texas shes in California and the money I had in that account it was going to be used to go there and have it serviced and I just typed in what he told me to type in then at the end of the conversation he proceeds to tell me youll get your money back in about 45 days and I said you told me right when we were done you were putting it back in I told him Im calling the police Im calling Paypal because obviously youre not Paypal and I called and they used I had like four cards they added a card in my wallet and stole a proximately {$5000.00} Ive been calling trying to get help from every avenue because I need that money my younger brothers and sisters I need to be there for them and I cant because they took the money that I had and I hope that we can get some resolution also I use talk to text so it probably may have some misspelled words sorry | ||||||
| 01/10/2022 | Yes |
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| Hello. I opened an account with PayPal around the middle of 2021 on some recommendations from friends that used the service. I never ended up using the account for a long time. However, I recently wanted to start playing at an online casino and PayPal were advertised as a method for deposits and withdrawals, so I thought I'd see if it worked well. I couldn't initially upload funds to my PayPal account and when I tried to use my bank account with it, it wasn't working. Eventually I had some funds sent to the account and I made my deposit to XXXX XXXX. A registered online casino with the New Jersey XXXX XXXX. The deposit worked great, so I intended to start using my account. This was when I asked my friend, XXXX to transfer me some money over the weekend. He transferred me {$6000.00} but instead of the money arriving in the account, the transfer was placed on hold and I immediately started receiving emails from PayPal congratulating me for my first sale. I have never sold anything or accepted payment for any purchases or sales. I thought this was strange. Then, yesterday I received an email at XXXX titled : " We need some information regarding your PayPal account. ( Ref ID XXXX ) ''. This email said that some limitations have been placed on my account and they would like some information from me. I did not have time to respond to this because exactly XXXX minutes later at XXXX I received another email titled : " You can no longer do business with PayPal XXXX Ref ID - XXXX ) ''. This email detailed the fact that my account has been locked and closed and that my money is being held for 180 days. This is ridiculous and surely illegal?! How can they just seize my money? I need your help to get my account unlocked as soon as possible, please. | ||||||
| 01/04/2023 | Yes |
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Web | Servicemember |
| I attached my Venmo account to my newly downloaded XXXX app for the sole purposes of getting a discount with a trial membership. When I attempted to use my *gift card* balance for the purchase ( rounded to {$42.00} with a donation ), that money was instead taken from my bank account via Venmo. I contacted customer service. They said they could not change the payment method after the order was placed. I was offered a {$5.00} discount off my next purchase at first, then {$7.00} after I got upset. They said they couldn't change my payment method after an order was placed. I was ordering because my partner is sick and specifically requested XXXX XXXX, and I didn't want the order cancelled, so I said something undignified and told them not to cancel the order. As it turns out, XXXX wasn't planning to cancel my order, regardless. ( It may be that the restaurant had already started cooking or they were giving me what feedback they were in order to mislead me into not cancelling it. ) My prior interactions with XXXX have been frustrating. A friend placed an order in one case with a similar result to this one. In XXXX, I placed an order that never showed up but stayed in " waiting '' for hours. Thankfully, it was at least fully refunded. I have avoided XXXX since and only used it, this time, because I had a gift card. I attached my Venmo so I could avoid their exorbitant fees with a free trial membership only for this nonsense to happen. This is definitely a problem with XXXX and maybe one with Venmo. I placed pertinent order with a scheduled delivery time of XXXX on XXXX XXXX, XXXX. Order number is XXXX. I have attached screenshots of my interaction with customer service, as well as my order. I am not proud that I cursed. It's not my habit. | ||||||
| 04/08/2020 | Yes |
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| Related to XXXX, I like how Venmo worded and shifted things around in a way that conceals how few/some/many/all of its employees hid all the behind-the-scene activities, that include but limited to, stalking my account and causing annoyances. ( Or maybe group up with random 3rd parties/others to come up with anything that they can use to damage or harm/injure me ). Though I'd love to use the same kind of standards against Venmo, I don't have other people who share the same enthusiasm to stalk Venmo or its employees to group up with. It's not something I did to cause these alerts, but these employees ' will to fish more random information that causes this " permanent closure. '' I don't recall that " XXXX '' existed for Venmo accounts. I did use two different bank accounts with Venmo, and all previous accounts were closed voluntarily on my own. I broke no agreement during that time. For 3rd bank account, because the Venmo representative only required the bank statement for accounts that were to be re-used, I was only able to use a debit card to activate it. I didn't try to re-use any previous bank accounts and that's why Venmo allowed the new account. It is also strange how Venmo suddenly put a freeze on my account, then require government ID then bank statements for ALL previous accounts. ( 1 ) It had enough ID to verify, even if this were truly an identification issue. ( 2 ) Requiring bank statements for all previous accounts contradict previous call on only requiring debit card for new account. This is exactly the reason I refused to give out any more information and I'm glad Venmo saved me from its employees be banning me from its platform. I'm " submitting '' this rebuttal to expose the hidden intent behind your actions. | ||||||
| 11/08/2023 | Yes |
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| Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies. Thank you for your time and consideration. I look forward to a prompt response. Sincerely, XXXX XXXX | ||||||
| 10/28/2023 | Yes |
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| I bought a receiver from XXXX using PayPal. My preferred payment method was set for PayPal Credit. PayPal tried to take money from my bank account instead. I did not have enough money in that account so I stopped Payment. PayPal then had a choice to make. They could use my PayPal Credit account, which had plenty of credit available on it for the receiver or they could use my regular PayPal account which had a balance of {$0.00}. In their wisdom, they chose the PayPal account with {$0.00}. They paid the merchant {$570.00}, which caused my account balance to plummet to - {$570.00}. Now they want me to pay them back. I originally asked them to use my credit account because I didn't have the cash to buy the receiver. I still don't have the cash and I don't know where PayPal thinks it's going to come from. I can't give what I don't have. I complained to the Ohio Attorney General. PayPal 's response was that my bank was my preferred method of payment ; and that I chose to use my bank account with under {$100.00} in it to pay for a receiver that cost over {$500.00}. I'm afraid that, unlike PayPal, I understand that I can't pay for something when I don't have the money unless I use credit. This response from PayPal was also the first time they said my bank account was my preferred payment method. I have been communicating with PayPal for over a month about this and not one other person has told me that. Those who chose to tell me said that my PayPal Credit account was what I had chosen as my preferred payment method. So PayPal 's response to the Attorney General included false information. I'm afraid that they will change their records at PayPal to match their lies and there will be nothing I can do about it. They have lost all of my trust. | ||||||
| 09/07/2023 | Yes |
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| XX/XX/XXXX - lost access to my venmo account. Received error XXXX exception : Unauthorized.. each time I tried logging in. XXXX XXXX XXXX my wife lost access to her account as well. Neither of us could receive a verification code to get into our Venmo accounts and we continued receiving the same error whether we tried accessing our account by phone or by computer XX/XX/XXXX- both of us reached out to Venmo customer service. We both were told to wait 24 hours and to try again after that. This did not work and I did not expect it to work based on the nature of an XXXX error. So this was clearly an attempt at a cover up and to buy time since Venmo is still probably currently in the process of trying to fix it. XX/XX/XXXX - my rent was due and my Landlord uses Venmo to receive payment. So now I am late on my rent payment. XX/XX/XXXX - found out from various blogging posts that this issue is being faced by many Venmo customers and Venmo remains to be silent. So I read that this is mainly being experienced by people who have connected their account to other budget and small business platforms e.g XXXX XXXX XXXX. We did have our accounts linked to the XXXX XXXX XXXX XXXX XXXX so it fits what I was reading. XX/XX/XXXX - 3 days without a response from venmo, 7 days without access to my account, which is very concerning from a customer perspective, especially given this is financial data that has impacted me and many other peoples livelihoods. Still no comment from Venmo on what is the issue and no communication on whether they are trying to solve it. I still can not access necessary funds in the account to pay certain bills. I am not receiving direct deposit via venmo, but I imagine for those who are that this is an extreme concern. | ||||||
| 01/21/2023 | Yes |
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| Hello, I am currently facing an issue with PayPal in which they are not providing me with any assistance. I have been using PayPal to receive payments for small online jobs such as answering surveys and completing microwork tasks. These small jobs have been helpful in supplementing my income and expenses. Some of the tasks I have completed include answering surveys, editing photos, removing backgrounds from photos, and writing articles. On XX/XX/XXXX, I received a notification that my PayPal account had been permanently limited/banned and that my funds would be held for 180 days. I immediately contacted their online support through the " Message Center '' on the PayPal website. I had worked hard throughout XXXX to celebrate the holidays, and now my account is being held without any explanation. The only answer I got from them are : " We've reviewed your account and determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. '' " I am sorry but we can't grant your request as we decided to permanently limit your account. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. '' I want to assure you that I am not using PayPal for any gambling-related activities, and I would like to request that they lift the ban. I do not have any disputes on my account, and they can check as many times as they want, they will not find any gambling-related activities or disputes. I have always been compliant with their terms and conditions. I am hoping that you can assist me with this matter, and I look forward to hearing from you as soon as possible. | ||||||
| 07/16/2019 | Yes |
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| 1. XXXX XXXX XXXX XXXX paid me {$80.00} via PayPal and sent the funds to my e-mail address XXXX 2. PayPal notified me of the transfer. 3. Problem : I did not have an active PayPal account ( I closed it to protest PayPal founder 's support of the XXXX. I DID NOT HAVE AN ACCOUNT. 4. PayPal held the funds and did not XXXX XXXX XXXX know that I did not have an active account. 5. This situation is Tantamount to depositing {$80.00} in an account at XXXX, and XXXX keeping the money, when I did not have an account. 6. I had to open a new account to receive the funds. 7. When I verified the account PayPal said that the funds were not present. 8. I had to complain about the situation and eventually received the money. HOWEVER, HOW CAN A FINANCIAL INSTITUTION HOLD A DEPOSIT FOR ME WHEN I DO NOT HAVE AN ACCOUNT? THIS IS ABSURD AND ALSO SCARY. I CHOSE XXXX ON PURPOSE GIVEN ITS SHADY HISTORY. Dear XXXX XXXX XXXX, Good day! I hope my email finds you well, XXXX. We can sense the importance of this matter to you. You have a very good point and I do understand the confusion, an email address that is not yet technically link to an account or not yet confirmed can received payments due to that we always give chance to everybody to use PayPal yet the sender can cancel the transaction when its tagged unclaimed on there end. To know more about PayPal please click on the link below. https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security On a personal level, I would like to extend our apologies for the inconvenience caused. Thank you for being part of the PayPal community. For additional questions, please visit www.paypal.com and click Help & Contact, near the bottom of any page. Sincerely, XXXX PayPal XXXX XXXX PayPal | ||||||
| 07/23/2021 | Yes |
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| XX/XX/XXXX - Purchased a XXXX XXXX XXXX Autograph Authentic Star # XXXX Card from merchant for {$17000.00} using a XXXX credit card via XXXX. XX/XX/XXXX - Card was received and I had suspicions that the item was fake. I attempted to contact the merchant many times and he was non-responsive via email, phone, XXXX and XXXX XX/XX/XXXX - Started a dispute with XXXX. I called PayPal as well and they said I had to work through my dispute with XXXX. Paypal flat ourt refused to assist with any buyer protection and there was no option on there website to do so. XXXX to XX/XX/XXXX - Spoke to over a dozen XXXX reps, spent over 6 hours on the phone, made 30+ phone calls and uploaded 20 + documents. XXXX has provided conflicting advice many times, including whether I should return the card or not. Ultimately, they told me not to return the card and I still have the fake item in my possession. They told me to get an independent authenticator to verify the item was fake and send it with my dispute. I paid over {$100.00} to get this done in XX/XX/XXXX and the authenticator confirmed 100 % the item was fake. I did every single thing that XXXX told me to do and was denied at every turn. XX/XX/XXXX, I filed a Police Report with the XXXX, Florida Police Department. On XX/XX/XXXX, XXXX from XXXX called for the third time to again tell me my dispute was declined. They misstated that the item was purchased on XXXX. This was a direct purchase from a merchant, not purchased on XXXX. After this entire XXXX month experience, I can only conclude XXXX is the most fraudulent, dishonest and incompetent credit card provided in the United States. PayPal provided no help at all and denied me every single time I called. PayPal wouldn't even let me file a complaint. | ||||||
| 06/26/2020 | Yes |
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| Hello I used Paypal to purchase a product that was defective I tried to reach out to the seller who was non-compliant. The purchase was for {$240.00} when I did not get a reply back from the seller I contacted my bank who opened a dispute and refunded me the money but reversed the charge and took the money back because I hit the wrong dispute button by accident. I was supposed to hit the button that I am disputing it because I returned the merchandise. I hit the one saying I didn't receive it so when I found out I did the error by my bank I requested to reopen the claim so I can do it the correct way and I was told by my bank that they could not reopen the claim that I needed to take this up with Paypal and the seller since I have a tracking number proving I returned the merchandise back to the seller. I contacted Paypal numerous times to let them know they need to request that this seller gives me a refund since I sent the merchandise back and they have not been compliant at all in my favor to get my refund of {$240.00} even though I have proof and have told them the bank has referred me back to them. Their stance on the matter is that I opened the claim with my bank so I have to go through them and the bank said I should go to them. I feel I have been ripped off for {$240.00} for merchandise I have returned due to it being defective and I am already going through financial hardship due to the pandemic I do not have money for anyone to just take from me. All I want is my refund of {$240.00} that I spent because I returned the merchandise back and have tracking information from XXXX that the seller received it and signed for it on XX/XX/2020 its been 2 months i have been trying to get my money back from this seller through paypal. | ||||||
| 06/03/2023 | Yes |
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| On XX/XX/2023 I notified Venmo that a fraudulent Venmo Credit Card had been opened in my name. I then asked that my Venmo account be closed, which they said they could not do, because there was an account balance owed on the fraudulent credit card and that I needed to contact the credit card issuer, XXXX XXXX at ( XXXX ) XXXX to report the fraudulent activity and get the credit card balance cleared. Meanwhile, Venmo was holding {$2300.00} of mine that I could not access. After being required to provide a copy of my photo ID and a picture of me holding the photo ID, they finally unlocked my account XXXX transferred the {$2300.00} out of my Venmo and again requested to close my account, Venmo refused, again saying that they needed me to work with XXXX XXXX. XXXX XXXX told me that they had XXXX days to complete their investigation. XX/XX/2023 I finally receive notice from XXXX XXXX that their investigation is complete, the credit card account had been identified as fraud, the account has been closed with no financial obligation due on my part and the credit bureaus had been notified. I sent the letter to Venmo, asking again to close my account, 8 email exchanges with Venmo, they have no other way you can contact them. This is the last email I received " I understand that you wanted to close your Venmo account. I tried to do it, but just like the previous representatives, I was unable to do so. I see that you sent in the document confirming that the credit card was already closed. Kindly respond to the ticket # XXXX so they can double-check it and further address your concern. '' I have no idea what ticket number that is or how to respond to it? The entire process is broken and made to be frustrating and complicated for the customer. | ||||||