Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I can see I have a few PayPal accounts with debt owing and I did not create these PayPal accounts
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Hello, my name is XXXX XXXX. Email : XXXX Please release my money it has been over 3 months and all disputes have been resolved. Please also restore my business account since I only sell my own XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: PayPal said I tried to send money with a card ending in XXXX. The person I spoke to was XXXX. They said if denied they won't reattempt. However they tried several times. Now PayPal was accessing my savings account. I tried to dispute the transaction etc. PayPal denied me. The bank told me to erase my savings account. Only reason the savings account was on file was to transfer my money from the app. Only way to access a savings account is with autopay.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to inform you about a distressing incident involving a scam by an international online seller on PayPal. Despite being scammed, PayPal has not taken any action to investigate or deactivate the seller 's account. I had no opportunity to recover my money as the transaction was completed before any action could be taken. The seller 's PayPal accounts, XXXX and XXXX, are still active, posing a risk to others. I paid to Paypal account : XXXX first and then he requested more money from me through XXXX. The fraudulent transaction occurred with a seller who claimed to be a clothes and bags manufacturer based in XXXX. They offered complimentary goods for a marketing event, with the requirement of covering the shipping fee. I paid {$130.00} for the shipping fee, assuming it was reasonable given the origin in XXXX. However, after the payment, the seller requested additional funds. I refused, asked for a refund, and the seller blocked all communication. I contacted PayPal for assistance, but they were unable to help. Similarly, my bank couldn't assist as the payment was made directly from my checking account. I'm concerned that the seller will continue scamming others, while PayPal has taken no action to terminate their accounts or address the refund issue.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I bought something from a merchant in XXXX and used Paypal to submit the payment, on XX/XX/XXXX in the amount of {$1700.00}. Months later, in XX/XX/XXXX, after there were issues with the merchant delivering the products I tried to dispute the funds sent via Paypal, who claimed they can not since it is after XXXX days. I then proceeded to dispute the charge through my bank, XXXX, who initiated a chargeback for lack of delivery of goods. After about a week or so I was able to resolve the issue with delivery and after I received the goods I contacted XXXX to resolve and cancel the chargeback. I received a letter from XXXX on XX/XX/XXXX that the chargeback was cancelled. However, it is almost a month from cancelling the chargeback and PayPal still has not sent the money to the merchant. I contacted Paypal through their messaging service on XX/XX/XXXX, and XX/XX/XXXX, and sent them the letter confirming the cancellation of dispute but they claimed there is nothing they can do and it is a " back office '' that deals with this and it takes time. I called chase again on XX/XX/XXXX and they confirmed that they notified Paypal of the reversal of the chargeback and all paypal needs to do is forward thgis information to their bank to receive the funds, which they may or may not have done. Nonetheless, they are still pursuing my vendor/ merchant to recover the " disputed '' funds and it is affecting my relationship with him greatly
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Attempted to withdraw funds from my PayPal account to my bank account. Transfers typically take 3-5 business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. PayPal Transaction ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I was a first time user with the venmo company. So I opened a venmo account and I had to submit a front and back copy of my driver 's license to receive the direct deposit information, I submitted the front and back copy of my driver 's license my account was reinstated and I received my direct deposit information which I submitted to my school to send me a refund. In the user agreement it said nothing about I had to be lower than any specific amount to receive a direct deposit so the school sent me a total of {$1200.00}. Then more is saying because of the following On XX/XX/2023, these tools identified your Account as potentially high risk. In this case, our internal security system identified that your recent Payment was for an amount significantly higher than previous payments you received. Historically, this type of activity carries a higher-than-average risk of fraud and can be indicative of potentially unauthorized account access. ) This is why my account has been frozen and my funds is being placed on hold for 180 days. The issue I'm having with the response that they gave me is because they never said in their user agreement that they were going to compare my incoming or outgoing transactions to determine whether something was wrong but because they said that they had took notice of the amount that I received from my school to be an amount higher than I usually receive is an issue because I've never received any money on this venmo account for them to compare to this was my first and only transaction on this account so when they froze my account I submitted the same front and back copy of the driver 's license that they received the first time when I opened the account to receive my direct deposit information but this time they said that it wasn't legible so that's why they're holding my funds for 180 days which I don't believe is fair or right. I am requesting that my funds either be open for me to remove them from the account or that venmo reverse the {$1200.00} back to my school ASAP.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I received {$700.00} from my employer, XXXX XXXX, via my Pay Pal account. When I attempted to transfer these funds to my personal checking account at XXXX XXXX, Pay Pal issued a message that I had been overdrawn on my account. The Transaction ID was XXXX. At no point in time have I ever been overdrawn on my account. I called Pay Pal and they transferred me to a collections agency, called XXXX, which informed me that someone had used my Pay Pal account without my authorization to make a purchase in early XX/XX/2023, even though I have never conducted a purchase with my pay pal account. Pay Pal is clearly engaging in financial fraud by retaining my paycheck. I need these funds to pay vital bills for food and shelter. I plead with the New York Attorney General 's office to compel Pay Pal to enable me to transfer my funds of {$700.00} which were sent to me on XX/XX/2023.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Purchased product from XXXX with Venmo debit XXXX on XX/XX/23 XXXX charges.. {$360.00}, {$63.00}. Did not receive any shipping info on order, XXXX was not cooperative in communication so informed them i would be contacting Venmo about fraud claim as I suspected fraud. Venmo opened 2 claims on XX/XX/23. The account resolution dept stated they offer vendor 50 days to respond. I tried contacting XXXX directly stating they shipped me product i asked them to cancel and i returned it to so why wont they issue credit? They told me they couldnt assist me and to go to Venmo. After following up with Venmo they are stating they need another 50 days to investigate the {$63.00} dollar claim and 2 more days on the {$360.00} claim. I asked to speak to account resolution dept @ Venmo they will not speak to me directly. I receive emails that appear to be bot generated aaking for survey responce. I asked to speak with their legal team and again no cooperation. I told Venmo I wished to close my account and again no cooperation due to open claims. Both XXXX and Venmo refuse to return/ credit me for the merchandise purchased. I bank with XXXX which is linked to this account. They resolve things fairly efficiently. I have never seem such reteric and incompetence from Venmo and XXXX. XXXX help me resolve thia issue
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other service problem
Subissue:
Consumer Complaint: Dear CFPB Representative, I am writing to file a complaint and seek assistance regarding the unjust closure of my PayPal account, and I kindly request your help in investigating this matter. I am deeply puzzled and disappointed by this situation, and I hope that the CFPB can assist me in resolving this issue. On XX/XX/2023, I received a notification from PayPal informing me that my account had been closed. However, the notification did not provide any specific explanation or reason for the closure. As a long-term user of PayPal, I have never violated their terms of use or engaged in any improper activities. Therefore, I am extremely confused as to the reasons behind the closure of my account. I have attempted to contact PayPal through their customer support channels, but unfortunately, I have not received any detailed explanation or resolution regarding the closure of my account. This has left me feeling very frustrated, as I rely on PayPal for online transactions and financial activities. As a consumer, I believe that I have the right to fair and transparent treatment, including in situations involving account closures. I trust that the CFPB, as an independent agency dedicated to protecting consumer rights, can assist me in investigating this matter and engaging in discussions with PayPal to find a resolution. In this letter, I sincerely request that the CFPB take the following actions : Investigate the reasons behind the closure of my PayPal account and request PayPal to provide relevant explanations and evidence. Exert pressure on PayPal to handle my appeal fairly and reconsider their decision to close my account. Provide any necessary legal or regulatory support to ensure that my rights are protected and that I am treated fairly. I believe that CFPB 's intervention and investigation will help resolve this issue, and I hope for a prompt handling of my application. I am willing to provide any additional documentation or evidence to support my complaint. I look forward to the support and assistance of the CFPB, and I hope for a timely resolution to this matter. Thank you for your attention to this complaint. Sincerely, XXXX XXXX Paypal account : XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A