Date Received: 2023-08-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have had an account with PayPal for around 10 years. About 5 years ago they locked me out of my account for reasons they can not tell me. My account has been at a XXXX balance for around 8 years. When they first locked me out of my account, they said to add my bank and that would verify that I am me. Well, that didn't work, then they said add a couple of my credit cards to my account. Well, that didn't work. I haven't been able to do anything with my account. I have called several times and they either hang up on me after a few hours or they start I chat and we get disconnected. I just want my account closed, you would think after 8 years of inactivity, they would just close the account. Now they want me to send them a lot of new information, I do not trust them with any other information. Can you please find out how they can treat people like this, and close my account.
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was really using paypal to buy services and also to receive some payment until my account was closed
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my Paypal account ( XXXX ) shows there is one transaction charge : {$79.00} I dont recongize. I went ahead and disputed this charge. The dispute was denied right away by Paypal using the reason that this is a recurring charge since last year so it is not an unauthorized charge. I initially reported this charge as unauthorized because it occurred without my knowledge or consent. I contacted Paypal and mentioned that I just realized that I have been charged this amount two consective years since XX/XX/XXXX and argued that unauthorized charged means an non-consented charge even it was charged twice, it doesnt necessarily mean it is authorized. I later learned that Paypal categorized it as an " Item Not Received '' dispute, and subsequently ruled in favor of the merchant, XXXX XXXX, without providing any specific evidence or rationale for the decision, but just said Paypal has reviewed the info provided by the seller. I am deeply concerned about the fairness and transparency of this decision. The charge in question was presented to me as a recurring charge that I had no record of authorizing. In my initial dispute, I provided a clear explanation of why I believed the charge was unauthorized, and I expected a fair assessment of the evidence. Instead, the reasons for my dispute were altered without my consent, and the case was decided against me without any transparent explanation. I am particularly troubled by the fact that when I inquired about the nature of the services provided by XXXX XXXX for which I was charged, I was informed by PayPal that I should contact XXXX XXXX directly to find out, as PayPal does not have this information. This response was both unhelpful and unacceptable. It is reasonable to expect that PayPal, as the mediator in this dispute, would provide me with sufficient information to understand the basis for the decision. When I provided my Paypal email and charged credit card info on the merchant XXXX XXXX website, it came back with no order related with info provided ( please see attached screen shot ). The fairness and integrity of the dispute resolution process are paramount. I would like CFPB help to re-evaluate my case in light of the concerns I have raised and the absence of clear evidence to support the charge. I hope that PayPal will prioritize transparency and fairness in addressing this matter.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: PayPal : Earn 10 % Cash Back On Purchases ( Limit {$30.00} ) Paying with Paypal through XX/XX/XXXX, up to {$30.00} cashback ( XXXX rewards points ). I had successfully activated the promo code, and the webpage said I was eligible, and then I made a {$300.00} purchase on XX/XX/XXXX, according to which I should get 10 % within 14 days, its been 21 days today, and I still havent gotten 10 % Rebates in USD {$30.00} or XXXX points
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had sent a transfer for an item for the amount of XXXX $ on XX/XX/XXXX to be completed on XX/XX/XXXX and the seller has since said that his account no longer works and to send it to a new account. The seller won't answer my messages or calls and will not refund the amount. No confirmation the item has been sent, and in trying to create a dispute that PayPal backs its marketing on financial security. Their website does not work and I can not make a complaint. When I call PayPal 's customer service I can never get a representative and the line always goes dead before any resolves had been made. Looking at previous comments made by other users, many people have the same issues that do not seem to get resolved.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have bought clothes from XXXXXXXX XXXX on XX/XX/2023 for XXXX dollars and I paid using PayPal for this transaction. I then returned all the items back to XXXXXXXX XXXXXXXX using XXXX and the TRACKING NUMBER IS XXXX and XXXX XXXX received the returns on XX/XX/2023. But until now I NEVER received my refund for the returns. I filed a case with PayPal case number XXXX until today XX/XX/2023 PayPal is refusing to refund me my money and PayPal is refusing to decide this case in my favor and refund me my money of XXXX dollars. I have proof that XXXXXXXX XXXX received the items back and they sent me a confirmation for that but NO REFUND YET from either PayPal or XXXXXXXX XXXX. I have RETURNED THE ITEMS BACK TO XXXX XXXX so they should refund me my money and PayPal should refund me my money but until now PayPal is refusing to refund me my money. They are both bunch of thieves and they are stealing my money
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal sent an email stating that my account was being restricted due to inactivity. The email and letter both stated that I would not be able to either remove bank, credit or debit cards or close the account. Honestly, I thought the email was a scam until I logged into my account. I am not able to use the account and yet I can not remove Paypal 's access to my bank savings account and I can not close the account. Repeated calls to Paypal 's customer service are just as circular in logic as the email - can not use the account nor remove access to my bank account nor close the account. My fear is that someone will eventually be able to extract money from my bank savings account without my authorization. It is highly likely Paypal would not take responsibility for the unauthorized transaction in that event.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: on XX/XX/2023 there was a {$90.00} payment sent via PayPal. on XX/XX/2023 the {$90.00} was successfully sent to paypal. a refund was granted via the entity receiving the funds. the refund was issued the same day. my bank received notification of an ACH transfer of {$90.00}, but the payment never processed. my bank clarified that it was just a notification and not an actual payment and advised that i contact paypal. when i called paypal XX/XX/2023, the agent advised me the refund was sent to my bank and would take 3-5 business days to post. this was in direct conflict with what the bank advised me. i was able to once again call PayPal on XX/XX/2023 to obtain the trace number of the ach payment i was advised of by PayPal on XX/XX/2023 to confirm that the payment indeed was sent. i was then advised that PayPaXXXX had not sent my refund and they would not be sending the payment until friday XX/XX/2023 at the earliest and that this was not definitive. the representative stated this was because paypal hadnt yet received the money for the initial payment. i advised that the monies were successfully sent and i advised the rep that i could provide the transaction details if they needed help locating the payment. the rep did not resolve my issue, and began over talking me and taking a sarcastic tone and would tell me how to escalate my issue or how to submit a complete regard paypal and the behavior of the representative from XX/XX/2023. i would like money and i need someone to listen to the call from XX/XX/2023. the call was stomach churning and entirely unprofessional.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I am writing to file a complaint regarding the sudden closure of my PayPal account on XX/XX/2023. Without any prior notice or explanation, my account was terminated, preventing me from conducting online transactions. As a long-standing PayPal user in good standing, I am baffled by this action. I have always complied with PayPal 's terms and guidelines and have not engaged in any prohibited activities. I kindly request your assistance in investigating this matter and urging PayPal to provide an explanation for the account closure and restore my account. I believe in transparency and fairness in financial dealings, and this incident has left me without a platform for my online financial needs. Thank you for your attention to this matter.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A