Date Received: 2023-06-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My email is XXXX I was sent XXXX from a buyer on XX/XX/XXXX from a car purchase and paypal is refusing to let me use my own funds in my own account for no reason I just opened the account not too long ago and have done nothing wrong they will not let me touch my own money in my own account.
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I identified XXXX unauthorized transactions for XXXX XXXX for {$10.00}, on XX/XX/XXXX and XX/XX/2023, under my PayPal account. I had no memory of these transactions, so I suspected they were unauthorized. I filed a claim with PayPal, and they got back to me told me that I authorized the charges, which was not true. I know this because I have not used XXXX in around XXXX years, and I had contacted them - they had no record of anything under my name or email address for this purchase. With this information, I attempted to escalate the issue with PayPal, requesting the documents they used to come to this decision and they denied my claim once again, this time putting words in my mouth, stating : " You previously indicated that you authorized this payment agreement but youre unhappy with the terms of your agreement. As a result, were unable to consider this to be an unauthorized payment. " When I clearly stated in an email : " My claim was denied for unauthorized activity because you all are saying there's no evidence of it and that it's my purchase that I'm just unhappy with. That's just not true. '' They also additionally did not provide the documentation that they used, as promised. I attempted to escalate the issue further over the phone, and came to a dead end again. When I had explicitly stated :
Company Response:
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: PayPal makes duplicate charges on my method of payment card after online transactions. Paypal authorization hold remains on account despite transactions posted and cleared. Paypal is double dipping by withdrawing the transaction amount while simultaneously placing an indefinite authorization hold on my available funds essentially freexing my account and sitting on my money. This is all in concert with XXXX purchases and XXXX XXXX XXXX checking account and credit cards.
Company Response:
State: NM
Zip: 87107
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX stating that I owe PayPal a {$30.00} debt as of XX/XX/23. I don't have a debt on my PayPal and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from PayPal but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. A photo of the letter is attached.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I started to receive emails claiming that I've joined XXXX XXXX I did not ) and that I " added a debit card to my XXXX account '' ( I did not ). Upon contacting the XXXX, no useful response was provided. Shortly thereafter, I started to receive emails that payments are being made from the XXXX account ( which, again, I never agreed to open nor did I authorize ANYTHING to do with XXXX ). At this point it seems that XXXX and/or PayPay ( who owns XXXX XXXX have fradulently opened an account using my information and are allowing fraudulent transactions to proceed without any way for me to stop them ( without providing them with even more information ).
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX when I tried to transfer part of my direct deposit from work to pay a bill through VENMO and it would not allow me to do so. I got an email stating my account was temporarily restricted. I use Venmo for paying bills, I use it for daily purchases such as food and shopping because they offer rewards back on spends, I use it for my direct deposit and transfers to friends or payments from friends as well as for my art business and those transactions. I contacted VENMO and then received an email on Sunday, XX/XX/XXXX, XXXX XXXX EDT Hello XXXX, We have reviewed your account and believe you are engaging in one or more restricted activities as described in the Venmo User Agreement. Specifically, that your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties or other liability to Venmo, other users, or third parties. For that reason, future abuse may result in closure of your account and your Venmo Card. I responded : How so? Any dispute I have ever made with Venmo is a legit dispute and to question my legitimacy is actually very disheartening. I have used you for years and it seems as though maybe you dont deserve me as a customer anymore. They would not give me any answers when I called and sent chats through their app which I have copies of but the app allowed me to transfer my money from my account to my bank, XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX I received an email stating they have now froze my account and need proof of my identification government ID, so I did. I tried to contact them many times just to get a run around but was promised my account would be unfrozen after 7 days for them to look at it as protocol. In the meantime I set my work direct deposit up with XXXX XXXX instead since I was not sure how long this would take and I needed to get paid so I can pay my bills. My new direct deposit did not have enough leeway to route to XXXX XXXX and instead it still proceeded to attempt the deposit to my VENMO acct. I contacted VENMO yesterday with my employer HR rep on the line to try and get my direct deposit returned to XXXX, my employer. They told me they will not reject it and once my account is unfrozen only then will I receive my funds they are holding of {$2400.00} plus I already had {$200.00} visible in my VENMO sitting and am unable to transfer it to my bank or pull out. My employer said they can not send me my money until VENMO rejects the deposit and sends it back. Today XX/XX/XXXX I received an email from VENMO Hello XXXX, Thank you for sending us your ID. My name is XXXX, and your account has been escalated to me. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Regards, XXXX XXXX. Account Specialist | Venmo I replied What part of this agreement did I breach? Do I not have a right to that information? What is the purpose for holding my money for 180 days? What is going to happen to my direct deposit that has been sitting waiting to be deposited? I spoke with your team yesterday and they told me I would have access to my my direct deposit of {$2400.00} once you unfreeze my account. So now that the account will not be unfrozen, you need to return my direct deposit back to XXXX so they can handle my funds safety and properly. If this does not happen by the end of this week I will be getting my attorney involved because at this point you are stealing from me. There has been no response. Bills are due and I have no access to my money. I have lost my Venmo card several times in the past few years. I have made a few purchase disputes as well. Please help!
Company Response:
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hi my name is XXXX XXXX and I am messaging you because paypal keeps calling, me because i have an overdue balance of {$1600.00} and i have emailed them plenty of times to let them know I can not make that full amount of the payment and the reason the amount is that much is because this person decided to put that amount of money on my paypal account and then she wanted a refund and i do not have that type of money I have a dead end job and I am a single mom of XXXX kids so if there is anyway to remove this amount off my account please do if not I can only make monthly payments but I shouldn't have to because it was not my fault she should have never gave me that money in the first place if she wanted it back I'm just saying.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a Venmo account that I lost access to due to my purse being stolen with my phone and debit cards in it, so I reported it to Venmo so that they would close it, thinking the account was closed, I opened a new account, deposited XXXX with no problem until I tried purchasing then I was informed my account was frozen due to identity verification issue so I sent them a picture of me holding my driver 's license. Then instead of resolving the issue I get another email stating my account is now closed because I broke user agreement that they are going to hold my funds for 180 days it has been over 180 days and they are telling me they are going to hold my funds longer, no reason given and not to reply to email.
Company Response:
State: TX
Zip: 78214
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation imposed on my PayPal account, under the email address XXXX. I firmly believe that this limitation has been placed on my account due to a misunderstanding or mistake, as I have not violated any PayPal policies or engaged in any unauthorized activities. Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user without any previous incidents. It is with great surprise and concern that I received the notification about the permanent limitation on my account. I have always adhered to PayPal 's terms of service and have maintained a clear understanding of the policies outlined by your esteemed organization. I kindly request that you reconsider and re-evaluate my case thoroughly. I urge you to conduct a comprehensive investigation into the circumstances that led to the imposition of this limitation. I am confident that a review of my account activities will reveal no violation of PayPal 's policies, as I have consistently conducted legitimate and legal transactions within the framework of the service. In light of the above, I respectfully request that you restore full access to my PayPal account. I understand that mistakes can occur, and I am hopeful that this limitation is the result of an oversight or misinterpretation. I believe in the fairness and integrity of PayPal 's processes and trust that my account will receive the attention it deserves. I kindly ask you to review my case diligently and provide me with a prompt response regarding the outcome of your investigation. I am eager to resolve this matter as soon as possible, as the limitations placed on my account have caused significant inconvenience and disruption to my personal and financial affairs. I appreciate your attention to this matter and thank you for your understanding. I remain confident that PayPal will reevaluate my case with the utmost fairness and rectify this situation accordingly. I look forward to a positive resolution and the restoration of my PayPal account. Should you require any further information or documents to assist in your investigation, please do not hesitate to contact me at the provided email address or phone number. I am more than willing to cooperate fully and provide any necessary evidence to support my claim. Thank you for your time and consideration. I eagerly await your response. Yours sincerely, [ XXXX XXXX ]
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I received a fake text from Phone number -> XXXX ( XXXX ) XXXX Thank you! for choosing PayPal_Inc Your payment for {$540.00} successfully confirmed. ( XXXX ID : # XXXX ) To cancel or Report- XXXX
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A