Date Received: 2023-08-16
Issue: Problem adding money
Subissue:
Consumer Complaint: Hi, I had a PayPal account. Recently I opened an account at XXXX Bank, and connected it to my PayPal account. No issues, it showed verified. I borrowed {$30.00} from a good friend in XXXX. I tried to send {$35.00} to my PayPal account from my XXXX account, was not allowed to, and was never given an explanation of why. Frustrated, I demanded my account be closed. Then I received an email from PayPal saying in 24 hours I would have the mysterious block removed. I messaged my friend, only to get another email that my account was closed. I am XXXX. I and many of my XXXX friends have experienced issues with PayPal, because they view our changing of our names and XXXX suspicious, as if it's our alias and we're trying to pull a fast one. It doesn't matter what their policy states, or even what they believe themselves. PayPal discriminates against XXXX XXXX, and it's wrong.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. Sincerely, XXXX XXXX
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: I completed a transaction through paypal with a known individual via friends and family that were completed in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that sender of the funds initiated a buyers dispute against me and a paypal case was opened. Roughly 20 mins later Paypal unilaterally decided the case in his favor. Paypal has acknowledged to me that he claimed through his financial institution that all transactions were fraud. Paypal reversed the transactions and are claiming that I have to reimburse them approx. {$1500.00}. I have evidence that the transactions were entered into legitimately and with a known individual. I have XXXX posts, messages, as well as a signed document when he took receipt the games that he reimbursed me for. Paypal has advised me that I have no recourse as the transactions were completed via friends and family and the financial institution issued chargebacks. However, XXXX ( XXXX, etc. ) provide chargeback rights for only 120 days after the posted date of the transaction. These transactions exceeded that timeframe not only of the card processor but also Paypal 's own policy of 120 days from the transaction date. Additionally, although PayPal is not truly considered a financial institution, my understanding is they are still held by government regulations such as Reg E. I would appreciate contact if this is a matter that your law firm would be interested in reviewing.
Company Response:
State: NC
Zip: 28092
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Sometime last year, I had an issue with a Venmo transaction that was entirely my fault, but caused my account to be suspended. What happened was I transferred {$35.00} to another account and didn't realize that it was my own account because I forgot and I reported it. My account was immediately frozen and when I attempted to resolve the issue, I could no longer transfer money from my bank account into my Venmo account. Then in XXXX of this year, I legally changed my name for personal reasons, so I decided that since I couldn't fix the old account, I would attempt to create a new account under my new name. It seemed to work, but upon receiving my Venmo debit card, my account was immediately suspended. I have since sent numerous emails about the situation to Venmo 's support team and made numerous phone calls. Venmo has failed to unfreeze my account or allow me to add any bank account because my bank account is tied to the other account and my joint checking account with my husband is tied to his own Venmo account. This issue has been escelated numerous times and yet, I still can not use my Venmo account over a matter of {$35.00}, which I told them I would put back into my Venmo account if they would just allow me to add a bank account. I should not have to open a new bank account just to fix an error that Venmo created. It should absolutely not take more than a year to resolve any issue with a financial institution and Venmo customer service further refuses to allow me to talk to someone who can actually resolve the issue. Their customer support team has put me on hold more than once, often leaving me on hold for 45 minutes to an hour until I eventually hang up and call back in. The support team is rude and completely unhelpful and none of them can actually troubleshoot any issues. They are basically just reading from the same articles the help section on their app gives and not actually doing anything to provide any real support to their customers. Oh, and to top it off, they are still insisting on calling me by the wrong name, even though I submitted correct documentation for my name change.
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: Venmo suspended and froze my account with no explanation at all, other than to say user agreement was violated. I called them twice and spoke with two different representatives who refused to state why my account was frozen. I also emailed them twice. I finally received an email back from them and all they would say is my account was frozen for violating user agreement and they could no longer service me. They have not told me what user agreement I violated and I do not believe I did violate the user agreement. My money is still pending being put in my bank account. They appear to be a very sneaky and non customer friendly business.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Received supposed call from PayPal and text message with passcode to reset password XXXX Text from XXXX PayPal : XXXX is your security code. Don't share your code. I logged into PayPal and changed password then repeated phone calls ended.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Paypal is charging me XXXX, i did not authorize and it was froud. Paypal Account # XXXX Phone # XXXX
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: I already filed a complaint with the CFPB, which was responded to by XXXX. The complaint number is XXXX. The company did not apply the law properly. I request to be provided with the IRS statute and exact Code of Federal Regulation title and section that states that where a mistaken transaction has occurred that XXXX may not cancel or reverse a transaction and must report it to the IRS. Recommend this be sent to legal dept as the law is not being applied properly.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I apologize for the wall of text that follows... I tried formatting it with plenty of paragraph breaks, but they all seem to be removed by your system. Anyway : I have an account with PayPal , Inc, and unfortunately found myself with a cash balance of {$270.00} in this account that I needed to withdraw.
For whatever reason, PayPal 's system would not allow me to add my bank account for electronic transfer, so I chose the only remaining option, a check by mail, and even paid an extra {$1.00} fee for this service.
PayPal issued the check on XX/XX/XXXX. On XX/XX/XXXX, I informed them that it still hasn't arrived, and was told that I needed to wait a minimum of 14 business days before they would do anything about it.
On XX/XX/XXXX, the check was fraudulently cashed by an unknown third party. However, we don't learn that until nearly a month later, because : On XX/XX/XXXX, I contact them again. This time, they offer to stop payment on the check, to which I agree immediately. I am told to expect an email within 3-5 business days and that the rep will " personally '' follow up. None of that ever happens.
On XX/XX/XXXX, I contact them yet again and am finally told that the check has already been cashed. After some back and forth where they repeatedly insist that I check with my " friends and family '' about the missing check, I am even provided with a copy of the canceled check ( which does not even purport to have my signature on it -- only " pay to the order of
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Venmo froze my account on XX/XX/2023. The email I got said a card was flagged that I just ordered the night before for my daughter. Which wasnt even processed yet. I finally get a hold of someone and they made me upload MY ID. They said it would take XXXX days to get it unfrozen. Well I have got no email like they promised. Its been 11 days now. I call today and the lady is now expanding the days. They still cant explain why they froze it in the first place. I am starting to feel they do this to steal the money. Either they take it and cant pay it back. Or make it so hard to get your account unfrozen that they just keep your money. I dont see why it takes XXXX days to unfreeze an account and give an explanation on why they even did it in the first place.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A