Date Received: 2023-12-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Had an unauthorized charge through PayPal. Called the company and got redirected to open my bank account and they removed almost all our money from our accounts. Was showing my account got credited a wrong amount and I had to pay them back.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2023. I received a mail from PayPal saying they are unable to continue processing payments for me and my account is permanently limited due to me violating some of their policies and that they will hold any money stored on my account for 180 days. My business provides a service to different brands where products are tested to give the brands positive or negative feedback and what they can do better, payments were received through PayPal. After looking several hours and asking for help to my accountant we couldn't see where I violated one of their policies, their policies talk about selling and participating in illegal acts such as selling drugs and guns which my business has nothing to do with this. After trying to contact PayPal several times for an explanation every single time was the same '' We can't disclose the reason ''. I also told them I could send any type of legal documents to verify my Identity but they were all responded with the same email saying this is a final decision. By PayPal doing this my whole business comes to a complete halt due to a mistake on their part of accusing me of violating their policies or making wrong assumptions. I have called several times and talked to different Managers and the last one told me '' The same answer you got on the mail is the same I am going to give you, the decision is final ''. I thought I was not under what can be considered a High-risk user since I have never received a claim/chargeback from any of my clients, I do not violate any of their policies. Today XXXX XXXX I received an answer from them saying I actually was targeted as a " High Risk User " due to some " potentially fraudulent funds ". In the close to one year of my business operating, I have never received a Claim nor a Chargeback. I am open to talk to PayPal and prove that my funds are not fraudulent also I can provide any type of documentation/receipt from client and I am also able to prove each and every single transaction/funds received for what the order was paid for, but PayPal never asked for this kind of information, matter of fact they didn't even gave me a chance to prove I am not involved in any fraudulent business.
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: A fraudulent website was set up to purchase goods. I have reached out to the seller of those goods by email and by phone and all forms of communication are disconnected. As a result, I filed a dispute with PayPal in order to receive a refund for lack of goods and services being delivered. PayPal withdrew the money from my account but refuses to refund it, saying the transaction was a cash transaction. As I have shown PayPal through documentation, the transaction was not a cash transaction and was for an electronic purchase of goods. Apparently the scammer set up the website to show it as a XXXX purchase once the item was purchased. This was not what was listed on the website but is how it was transacted through PayPal. This should be refunded and protected under PayPals purchase protection. I have contacted them no less than 5 times to work through their dispute service and have requested multiple times for documentation as to why it is being denied and it simply states being denied because it does not qualify for purchaser protection. Today on XXXX, I spoke with a manager at PayPal who is now saying the purchase was denied because it was alcohol and thats not covered with their protection. So I attached the list of prohibited items which does not include alcohol. This is also the only individual that has stated that its not protected, the previous 4 people I spoke with said nothing about that, which you can see in their responses. I am requesting a formal response on XX/XX/27 as to why it is not being honored. The employee I spoke with was XXXX with identification XXXX
Company Response:
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: -Received collection notice on XX/XX/XXXX2023 for {$4000.00} -Debt is connected to a PayPal account that was opened fraudulently in my name -Contacted PayPal on XX/XX/XXXX23 who opened a case and put hold on account. PayPal claimed they would contact me back within 72 hours and have yet to do so -Contacted XXXX XXXX XXXX ( debt collector ) who returned debt back to PayPal XXXX -Filed police report with local Police Department on XX/XX/XXXX23 -Contacted PayPal on XX/XX/XXXX23 who refused to share information on who at PayPal was handing the fraud case, and turned me towards local police department for investigation. Contacted local police department on XX/XX/XXXX23 who said they would not investigate and no ability to contact PayPal PayPal allowed someone to open an account in my name without checking my identity or credit. PayPal then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.
Company Response:
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, I would like to extend my gratitude for your continued attention to my matter in addition to my formal complaint ( XXXX ). I am aware of the Consumer Financial Protection Bureau 's affiliation with the XXXX XXXX XXXX XXXX ( XXXX ), a network encompassing more than 50 regulatory agencies worldwide. On XX/XX/2023, I received a message from PayPal titled " Acknowledgement of Your Recent Complaint. '' I promptly logged into my PayPal account to review the communication. Subsequently, on XX/XX/2023, I received an email from PayPal titled " Your PayPal Funds Are Eligible for Withdrawal. '' Attempting to withdraw funds, I encountered difficulties adding my bank card due to my PayPal account 's permanent limitation. Furthermore, my efforts to link a bank account were unsuccessful as the system only accepted information for US bank accounts, which I do not possess. Despite reaching out to PayPal customer support on the same day for resolution, I have yet to receive any response. It is crucial to note that my only available means to move funds from my PayPal account is by sending funds to another PayPal user or utilizing the balance for online purchases. In addition to the response from XXXX XXXX XXXX XXXX XXXX XXXX, I have explored various legal options centered around legal agreements. Unfortunately, no dispute options or relevant information have been found to aid in resolving the permanent limitation on my account. I emphasize that I am a XXXX XXXX and registered my PayPal account here in XXXX XXXX. When logging into the PayPal website, all PayPal Help Center information pertains exclusively to PayPal Inc. I propose that PayPal directs my case to the PayPal Account Limitations department using my PayPal email address ( XXXX ). This step would enable PayPal to review my account and involve the Section Department, as suggested by a PayPal customer support representative who mentioned that the decision to permanently limit my account was made by this department. Alternatively, forwarding my matter to any relevant department that can provide assistance would be appreciated. Please note that I contacted XXXX approximately 1-2 months ago but did not receive any response. I strongly believe that the decision affecting my account and the challenges I am currently facing with PayPal are unjust. For additional clarity, I have attached relevant documents to this email. Thank you for your prompt attention to this matter.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Was contacted XX/XX/21 about needing a payment through PayPal for a vendor from a hacked account After emailing back and forth I sent {$750.00}. I later learned this email account had been hacked. I have records of the emails transactions and payment
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I have an account with PayPal. This account is active and has been in good standing for many years. I am currently traveling in XXXX for XXXX weeks, and while I am here, I decided to get a local XXXX card with a local number. In this country, mobile numbers are also enabled with a digital wallet to facilitate easy cashless payments. This service, XXXX XXXX supports transfers from XXXXXXXX XXXX accounts ( or debit cards ) via XXXX ( a PayPal service ) to digital wallets such as XXXX. On XX/XX/2023, I made a transfer attempt in the amount of US {$100.00}. I attempted to send the funds from my PayPal account to my XXXX account. I receive a confirmation that the funds transfer was successfully completed. However, a few days later, I received notice from PayPal that my transaction was cancelled. There was no explanation. I was told to contact XXXX support. When I called the number, there was no staff available as it was outside of business hours for their call center, which works on XXXX time. I then decided to email the support center at the address I found in the communication I received. They responded that I should call instead. I tried it again, but still no one was availableafter all it is XXXX XXXX, so it is reasonable to assume that their staff are enjoying the holiday. On XX/XX/XXXX, I attempted to do another transfer, but the PayPal app prevented me from completing it, and directed me to contact support. Again, I tried to call, but there was no staff available as it was in the wee hours of the morning XXXX time. So, again, I sent another email. The gents who replied did not attempt to understand my problem or did not try to help. I asked my partner, who is traveling with me, to send me funds to my XXXX account from his PayPal account . He, too, received a reply from PayPal that his transaction was being cancelled. We are honest, law-abiding citizens of the United States with accounts in good standing. Why do I feel like we are being suspected of engaging in illegal activities and being prevented from using the services that PayPal has marketed as availableand failing to provide support and resolution?! This does not strike me as fair treatment. It seems to me that they blocked the phone number associated with my XXXX account from receiving funds through its payment/funds transfer network.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, my PayPal account is XXXX. I am outlining a series of concerning issues related to a recent transaction facilitated through their platform. The details of this matter are as follows : I had placed an order for XXXX XXXX XXXX on from a company that was in business called XXXX. I paid the merchant through PayPal for the total amount of {$10000.00} in XXXX XXXX. The product was being advertised as medium-sized. However, upon their arrival 2 months later. I was dismayed to find that the items were significantly smaller than described, indicating a blatant discrepancy between the product and its initially provided description. I immediately contacted the seller and tried to resolve this matter. The seller apparently passed away an no one was able to contact me regarding this order. I was going back and forth with the shipping department for quite some time trying to figure out while the family handled the passing. Complicating matters, I made payments for this order in two separate installments. Subsequently, PayPal initiated two distinct claims for this transaction. To my astonishment, one of these claims was approved, while the other was unjustly denied. Even though the return shipping information that I provided shows delivered PayPal only gave me a partial refund. Approving one claim however denied the second claim/installment for the total amount of {$5200.00}. PayPal said the seller had said that I send a empty box however the shipping information I provided clearly shows that there was XXXX in the package I sent. Each item I bought weighted approximately XXXX pounds each. It is crucial to emphasize that the denial of the latter claim appears to be a mistake, as mentioned PayPal said they wouldnt be insuring me in this case leaving with a partial refund. I was only credited {$4200.00} while the other claim regarding the same installment for {$5200.00} was denied. This lead me to file an appeal to rectify this situation. Regrettably, my appeal was met with further denial, and I firmly believe this decision was made in error or due to an oversight on PayPal 's part. Importantly, I have taken appropriate measures by returning the items to the seller, supported by concrete shipping information confirming their successful receipt by the seller. I am submitting this complaint with the Consumer Financial Protection Bureau to request a thorough investigation into these matters and to seek appropriate resolution. It is imperative that PayPal addresses these issues promptly and in accordance with consumer protection regulations. I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring fair practices in the financial sector, and I trust that your intervention will contribute to the resolution of this matter. Thank you for your attention and assistance. Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 93630
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 My father-in-law sent me a payment of {$1000.00} which he did on the Venmo app he asked me to create an account and so I did. I received the payment on Venmo from my father-in-law and the following day on XX/XX/2023 I was notified by Venmo that my account was temporarily frozen due to suspicious activity until I could provide some Identification which I immediately did. A few days later I was notified by Venmo that my account was permanently closed and that my funds will be held for 180 days. This is a deceptive practice they are conducting because I'm not the only XXXX whom this has happened to it is very common with Venmo. I want my money back immediately, they have stolen it under the guise of " violating user agreement terms '' which I did not.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: ( Account under XXXX ) PayPal fraudulently withdrew funds from my bank account for an online order, even though the last page as well as an agent from the company confirmed that the order did not go through. I then disputed the charge with Paypal under I paid another way but my PayPal account was also charged with PayPal with detailed information and supporting documentation that a XXXX XXXX XXXX could figure out that I was double charged and PayPal was the one that didnt belong charging my account. But after everything I sent them, they had the nerve to respond and request a document showing that the item was paid for using another payment method. So I sent the documents to them AGAIN, and they actually had the audacity to close my dispute, stating that the transaction was processed correctly So, in a nutshell, PayPal knew that the merchant never billed them for the order, but they still took the funds from my account anyway, and will not give them back. They are frauds.. Scam artists. And this is a serious case of consumer fraud. This is worse than consumer fraud. They straight up stole my money and they need to be punished Funny thing is, they apparently think Im going to just let this go and not report it and they wont have to return the funds as well as not get in trouble. lol
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A