Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: A {$1000.00} payment was made from my PayPal account to someone I did not know. I don't know how this happened. I called PayPal to let them know this was unauthorized, and they said they could not prove it was unauthorized because they could not show any unusual login activity. They apparently determine " usual '' login activity based on repeated logins, so all they really determined was that the hackers waited a while before executing the transaction.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I was using XXXX for drop shipping, my complaint is about PayPal. They told me I'm not able to do business with them even though I've sent them proof of my business with XXXX. They had me wait XXXX for my customers funds and I was forced to close my store. This all occurred over the past 2 years.
Company Response:
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ate at these restaurants and left a tip, my brother works at both places and he stated that the tip I left on the card they did not get. I did file a complaint today with the company
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: This complaint is with regards to my paypal account under the email address XXXX. Paypal initiated a chargeback and debited my paypal account in the amount of {$1400.00} plus charged me a fee of {$15.00} for the chargeback. I had provided information in the form of a signed document from the purchaser that he does not dispute the charge of {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to his XXXX card ending in XXXX. Yet, Paypal has refused to acknowledge the soundness of this explicit confirmation and has not replied to my communication to them asking for steps needed on my behalf to uphold this authorized charge. I am attaching the document signed by the cardholder affirming that he does not dispute the said charge. Thank you
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received a email that said it was PayPal stating that someone had tried to charge XXXX to my account. And to call this numberXXXX. When I did that when everything went south. It end up coasting me XXXX XXXX XXXX XXXX XXXX. Had to change my banking information. They hacked in to my computer XXXX. It bad. Picture of my driver license.
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I paid for a service today XX/XX/23 {$220.00} via PayPal for ethical hacking account recovery. The service provider lead me to believe they were assisting me but after multiple requests for more money to be submitted, I determined I was being scammed. I filed a dispute with XXXX but they denied it because I authorized the transaction. I requested a refund via the service provider as he guaranteed recovery and have gotten no response. I have all correspondence between myself and said scammer.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal XXXX XXXX, I am writing to you with regards to the recent blocking and limitation imposed on my newly created PayPal account. I am reaching out to address this matter and provide additional information to help clarify any concerns or misunderstandings that may have led to the action taken. Firstly, I want to emphasize that I am a new user on the PayPal platform and have not yet had the opportunity to engage in any transactions or activities that would violate PayPal 's terms and policies. As a newcomer, I am committed to using the platform responsibly and abiding by all the rules and regulations set forth by PayPal. I kindly request a thorough review of my account to understand the specific reasons behind the block and limitation. It is crucial for me to gain insight into any potential issues in order to rectify them promptly. I am willing to cooperate fully and provide any necessary information or documentation to verify my identity and resolve this matter as swiftly as possible. Furthermore, I would like to assure you of the utmost importance I place on security and compliance. I understand that PayPal has implemented robust measures to protect its users, and I appreciate the efforts made to maintain a safe environment for all transactions. I am fully committed to adhering to PayPal 's policies and guidelines and aim to build a trustworthy and long-lasting relationship with your platform. Please use my registered email address associated with the blocked account, XXXX, as the primary means of communication for any updates or further instructions regarding this appeal. Thank you for your attention to this matter. I sincerely hope for a fair assessment of my account and a swift resolution to the current situation. Should you require any additional information or have any questions, please do not hesitate to contact me. I appreciate your time and assistance in this matter. Yours sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Dear CFPB Team, I am writing this letter to file a formal complaint against PayPal for their unfair and unjust treatment towards me as a user of their platform. The purpose of this complaint is to bring to your attention the egregious actions taken by PayPal, including closing multiple disputes in my favor, confirming receipt of echecks from the merchant, sharing timelines for payments on more than one occasion, but subsequently limiting my account and refusing to refund the disputes to my credit cards. Despite having written proof from several PayPal agents in the Messaging Center, along with multiple supervisors/managers over the phone acknowledging the validity of my disputes and ruling in my favor, they have unjustly withheld the funds from my credit cards, leading to unwarranted financial hardships including thousands of dollars in interest fees and unneeded stress in an already chaotic life. This refusal to return the disputed amounts to my credit cards is not only ethically questionable, but also in violation of PayPal 's own policies and the Consumer Financial Protection Bureau 's guidelines. During my most recent call ( XX/XX/XXXX ), an agent and supervisor both refused to share which organization ( s ) is/are responsible for overseeing them as a financial institution. Instead, they insisted that I write a letter ( no phone number and no email address available ) to the Legal Department while refusing to accept my requests to escalate this situation to a higher level within the organization. After numerous attempts to resolve this matter with PayPal directly through their customer support channels, the responses continue to be evasive, and I have not received a satisfactory resolution to my complaint. Their lack of transparency and unwillingness to address my concerns have left me with no other option but to seek assistance from an external regulatory authority, such as the Consumer Financial Protection Bureau. Sometime after the most recent message assuring me that the disputes were closed in my favor ( XX/XX/XXXX ) and would post to my credit cards in 3-5 business days, PayPal abruptly placed limitations on my account without any warning or explanation. This limitation has severely restricted my ability to use the platform for essential transactions and access my disputed funds. Despite numerous attempts to reach out to PayPal 's customer support, I have received only generic and unhelpful responses, with no resolution or clear reasons for the account limitation. Prior to the account limitation, I had initiated several disputes regarding purchases from a merchant that was unable to fill and ship my orders on my PayPal account. To my dismay, PayPal initially sided with me on these disputes and closed them in my favor. However, instead of promptly refunding the disputed amounts to my credit cards, PayPal instead placed a limitation on my account and offered no clarity pertaining to the limitation, exacerbating the financial strain. The final straw was the supervisor on XX/XX/XXXX telling me they would be happy to release the funds to my credit card company, but are unwilling to offer any actionable insights to the consumer with a 20+ year PayPal account. PayPal 's actions have been unjust, unfair, and contrary to the principles of transparency and consumer protection. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against PayPal to ensure fair treatment of its users and compliance with relevant regulations. I will happily share any supporting documentation requested, including transaction records, communication with PayPal customer support, and any other relevant evidence, to substantiate my complaint. Best.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have opened and closed XXXX different PayPal accounts because I have not received a debit card from PayPal for my accounts. After asking asking around on social media ( XXXX, XXXX, etc. ) I discovered that PayPal doesnt send customers debit cards for their accounts unless they add at least {$100.00} from their bank accounts to their PayPal XXXX. That is what XXXX is saying. And when I call PayPal customer support about my debit card they always lie and tell me I didnt put my apartment address on my account or my home mailbox didnt have my name on it or something like that as their excuse.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A