Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Paypal reference number : XXXX Paypal blocked my activity for no reason. I use paypal to simply receive and send money to my friends. I have been a customer since XXXX and yesterday they blocked my account and my money. Paypal reference number : XXXX This is their message : You can no longer use PayPal. After reviewing your account, we have decided to restrict it permanently, as it presents potential risks. As a result, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money on your PayPal balance, we will suspend it for up to 180 days. After that, we'll send you an email telling you how to access your money. I didn't do anything wrong, I just want to use my paypal like my friends do. Now I can't and they can : (
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I was sent {$600.00} on Venmo. The person sent me the money right in front of my eyes. We were standing right next to each other and he verbally agreed to send me the money. Later, he filed a dispute with Venmo claiming it was not an authorized transaction. Venmo gave him the money back with no evidence or proof whatsoever. They did not give me a chance to respond to the dispute and now they expect me to pay them. So essentially any user of Venmo could lie and say they want their money back, and Venmo will steal it from the account of their users. This company is unsafe and should not be allowed to operate if they take money out of people 's accounts with no evidence to do so. It is not safe for consumers.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have funds put on hold in my PayPal account for almost a month. I've called their customer support and messaged them ( see the screen shots ) multiple times to release the funds. They mention that its an internal issue, but without any updates or explanation of when the funds will be released. The funds will be put on hold for almost a month now without any information or updates on when the funds will be released or when this issue will be addressed.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I created my PayPal account two weeks ago hoping that I can use it as payment method for my clients whom I give my service as their child 's tutor or as a writer for their formal requirements in school such as essays and editorials. I usually pay by them once I'm done doing my task and approved by them. I received my payment once a week it's not big it was only range from XXXX $ - XXXX $ so I'm confused why PayPal accused me of sending " illegal files '' which I'm not doing it. I only do formal essay, editorial and tutoring. And now my newly created account was permanently limited because of accusations that I didn't even do once. I can't even send or widthraw my hard earn money from Paypal. That little money I earn from writings and tutoring helps me a lot in my daily bills and it's my only source of income as of now. Right now I didn't know what to do cus it affects me a lot, PayPal accusations without any proof makes my source of income end.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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: I paid XXXX XXXX XXXX for a premium website. XX/XX/2022 XXXX XXXX timetable was 30 days for a website. In XXXX, they stop talking to me on the phone and email. I inform PAY-PAL, about two after the call to Pay-Pal XXXX XXXX, called on the phone and email about draft, them would be sending me and they did, but it was bad.it had more quesstions.. after the draft, they stop talking to me I inform PAY-PAL PAY=PAL telling me didn't follow the right steps this a lie
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On this date, I received an email from PayPal to verify that the funds requested. I signed on immediately to " deny/decline '' and then it said to contact PayPal. I did. I went through the recording, and selected " unauthorized '' - I received an agent who I could barely understand. He said my PayPal account was hacked. He tried to download software as part of the process and when I asked to explain, he got upset. He wanted to my check my account to see it was charged and I was not about to check any accounts while I was online and then run a virus/security check. He kept pushing me to do it. He yelled at me. I told him I feel like he was part of a scam and hang up. I accessed from different browser and device - called - same argumentative demeaning people. So I tried their chatbot. It does appear that the charge was declined and not charged to my associated account. I then tried to close my account and they keep stonewalling me. Someone deposited {$5.00} and it says I need to claim but to do that, I need associate an account ( I deleted them ). I am not going to do that knowing my account was hacked and give hackers info to other accounts. The staff got really upset and rude. It looks like my account was not charged for the erroneous charges ( the one that was attached to my PayPal ) - I just want to close my account and they won't let me.
Company Response:
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX ( Venmo ) XX/XX/XXXX, XXXXXXXX XXXX CDT Dear XXXX XXXX, My name is XXXX with PayPal 's Office of Executive Escalations. Your outreach regarding PayPals Venmo product was forwarded to me so that I can fully address your concerns. I regret the frustration and difficulty you experienced with the suspension on your Venmo account. I understand how this would be a cause for concern and I appreciate you bringing it to our attention. On XX/XX/XXXX, you created a Venmo account ( Account ) at which time you agreed to Venmo 's user agreement ( User Agreement ). On XX/XX/XXXX, you received a direct deposit in the amount of {$670.00} for unemployment benefits. In order to prevent fraud and help ensure the safety of the Venmo system, Venmo routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. Specifically, Venmo identified risk associated with the unemployment benefits you received from the state of Louisiana. Pursuant to the Restricted Activities section of the User Agreement, In connection with your use of our websites, your Venmo account, the Venmo services, or in the course of your interactions with us, other customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) As such, to maintain the security of our network, Venmo suspended your Account as permitted under the Holds and Limitations section of the User Agreement. Venmo notified you of this action via email and requested that you provide your government issued photo ID to verify your identity. On that same day, you provided the requested documentation to Venmo. On XX/XX/XXXX, Venmo completed their review of your Account, and determined we were unable to mitigate the risk associated with your Account. As a result, Venmo decided to cease offering our services to you as permitted under the Restricted Activities section of the User Agreement. We notified you of this action through an alert prominently placed on your Account 's overview page. On that same date, you were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access any remaining funds. On XX/XX/XXXX, Venmo conducted an additional review of your Account and determined that we would be unable to release the remaining balance at this time. Basically there was a {$670.00} unemployment check that was accidenlty depositied into this account, from my then spouse, XXXX XXXX XXXX from the state of Louisiana. I sent all documentation his and mine, social security cards, bank statements, info from unemployment, identification cards etc. We still have not received any of the other {$6000.00} that is in the account.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX at XXXXXXXX XXXX central time I was paid XXXX dollars through venmo. All I did was try to transfer the money they have froze the account. Took almost 8 days to get a response from support they asked for verification that I gave. 2 days later I can't get a response and my account is still froze and they are still holding the funds. I feel like this is a tactic to hold as long as possible to collect interest on the funds.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Customer Support, I am writing to express my concern and seek a re-investigation into the recent permanent limitation placed on my PayPal account ( associated email : XXXX ). I was taken aback by the abrupt action taken, as I firmly believe there may be a misunderstanding or an error involved in this decision. I am unable to discern any violation of the PayPal policies on my part that would necessitate such a severe sanction. I am a diligent user and have always adhered to the rules and guidelines outlined by PayPal. To this end, I kindly request your team to revisit the circumstances surrounding this decision, and if possible, provide me with a detailed explanation about the specific actions or activities that have led to this account limitation. I am prepared to provide any additional information or evidence that may be required during this process. I understand that PayPal 's efforts to maintain a secure and trustworthy environment may sometimes necessitate strict measures. However, in this instance, I strongly feel that the permanent limitation on my account may have been imposed due to an inadvertent mistake. As a long-standing and committed user of PayPal services XXXX I place great value in the security and convenience that PayPal provides XXXX The sudden and unexpected limitation on my account has caused considerable inconvenience and has interrupted my personal and professional transactions. Therefore, I respectfully request that you review the decision and consider lifting the limitation on my account if it is found that there has been an error. I look forward to your understanding and prompt action in this matter. Thank you in advance for your time and consideration. I eagerly await your response. Yours sincerely, [ XXXX XXXX ]
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: By trade I, XXXX XXXX am a XXXX XXXX XXXX I recently signed up for Paypal in XX/XX/ in order to use its services for the storing and selling of Bitcoin. I initially sent XXXX BTC to the PayPal wallet which was received on XX/XX/XXXX at XXXX XXXX, then sold it in the Paypal wallet on XXXX XXXX XXXX XXXX receiving an amount of {$1200.00} after Paypal fees and then on the same day transferred it to my bank account. Initially things were going well but then things started to take a turn for the worse after I sent XXXX XXXX to the PayPal wallet which was received on XX/XX/XXXX at XXXXXXXX XXXX then sold it in the Paypal wallet on XX/XX/XXXX at XXXX receiving an amount of {$4300.00} after Paypal fees and then on the same day transferred it to my bank account. While my first two transactions were successfully transferred to my XXXX XXXX XXXX XXXX account listed on file, PayPal decided to put limitations on my account that kept me from being able to withdraw money from my Paypal account since they wanted me to verify my identity. This led to me having multiple calls with Paypal customer service representatives including managers regarding my situation. I was completely transparent with them explaining to them that I was a self-employed day trader that did NOT have nor owned a business and explained how I was using the Bitcoin wallet feature to sell my crypto and send it to my Credit Union . I then further asked if it would be better for me to register my account as a business account in order to show that I wanted to comply with Paypal 's terms and conditions in order to keep further problems from arising. The manager told me that the business account does NOT have access to a cryptocurrency wallet unlike the personal/consumer account and that it would be fine for me to continue using my account in its current conditions after I sent in the necessary proofs. Over the multiple calls that I had, NOT a single person, including managers said anything about how what I was doing would not be in compliance to the PayPal user agreement /terms and conditions of usage. Due to the specific information needed to prove my identity, I was not able to get all the information requested until XX/XX/XXXX but knowing this in advance I called Paypal and asked the rep to put a note on the account that I would be able to provide the final piece of information needed in XXXX. Then comes XX/XX/XXXX, I call over to Paypal and got a rep in the limitations department. I explained to the rep my situation and that I had the final piece of information needed to prove my identity. The customer representative then said that I did NOT need to send in anything else, that they could look me up in public records and then removed the last limitation from my account while I am on the phone. Being a bit suspicious about this, I then asked the customer representative if there is any turnaround time such as waiting a day or two before using my PayPal account to avoid another potential problem. The customer representative tells me that the limitation has been removed in real time and that I am free to use the PayPal account with none of the limitations I previously had immediately. I confirm this by logging into my account on the PayPal website and seeing that the banner that was around the top of the page telling me about the limitations had been removed. In my excitement that I finally could use my Paypal account again for Crypto after three weeks of waiting, I then sent XXXX BTC to the PayPal wallet which was received on XX/XX/XXXX at XXXX, then sold it in the Paypal wallet on XXXX XXXX, receiving an amount of {$5300.00} after PayPal fees and then on the same day transferred it to my bank account. So, I didn't think too much about this until I received an email from Paypal later in the day on XX/XX/XXXX saying " You can no longer do business with PayPal '' stating that I broke the user agreement but failing to provide an explanation of how I broke it in the email. In addition to that, Paypal also denied my recent request to withdraw {$5300.00} from my own account without my consent and then limitations were permanently put on my account to keep me from being able to send, receive or withdraw money from my account and that my funds would be held for 180 days. So, I called up Paypal in regards to this requesting a supervisor. The customer service representative advises me that there were still limitations on the account even after I was told previously that they were no longer any limitations on my account and that I broke the user agreement without explaining how I broke the user agreement. I explained the situation to them and they said that this would be escalated to the back office and that someone would contact me in five days time. I advised them if no one contacted me within that time-frame that I would consider taking legal action for Paypal illegally holding and preventing me from withdrawing my money from my account. Five days go by and I receive no emails and no one has attempted to contact me via phone call regarding the matter. I then on XX/XX/XXXX call in to speak with a manager. I explained the situation to the customer service representative who then promptly brings the supervisor XXXX ( Unsure if that's how he spells his name or not ) on the phone. After looking thru the various notes and hearing the explanation of the rep, XXXX explained that this was escalated to the back office, they still held to their decision to refuse to do business with me and that there was nothing he could do to get the money returned to me until after the 180 days had passed. I then advised XXXX that this was unacceptable and that I would be pursuing legal action against Paypal for illegally holding money in my account that does not belong to them. After doing some research on the subject, seeing that this is not the first time that this has happened in regards to Paypal and that a class action lawsuit recently resolved in XXXX of XXXX regarding this exact same issue.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A