Date Received: 2023-05-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. " You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is related to my 2 previous cases with CFPB. XX/XX/XXXX, transferred {$52000.00} from PayPal to XXXX XXXX ( XXXX XXXX ), via ACH transfer ( not via Wire ) XX/XX/XXXX, XXXX XXXX shows the inbound transfer and interest began accruing XX/XX/XXXX, XXXX XXXX online interface shows a {$52000.00} Payment Reversal. From XX/XX/XXXX through XX/XX/XXXX, I have been contacting both banks repeatedly to find this lost money. Both banks verbally have been pointing the finger at each other I grabbed XXXX FDIC certificate number, and filed a case with XXXX ( email attached below ). Today, XX/XX/XXXX, Ive FINALLY received a response from XXXX XXXX ( XXXX attached ) XXXX XXXX claims PayPal did an ACH debit on XX/XX/XXXX for the full transaction amount. This was never authorized by me. As of today, PayPal still doesnt know where the money is. PayPal appears to be part of The XXXX XXXX, FDIC XXXX # XXXX XXXX XXXX responded to Office of the Comptroller of the Currency, Case Number XXXX on XX/XX/2023 XXXX XXXX claims in the attached document PayPal debited XXXX XXXX on XX/XX/XXXX, with transaction trace number XXXX.
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: 4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them.
Company Response:
State: NJ
Zip: 078XX
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 was result of identity theft
Consumer Complaint: In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and PayPal stated that it was too late since the money was already taken out of my account. PayPal then drains my account and I had to end up closing my bank account connected to PayPal due to fraud activity. PayPal has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/2023 and told I need to respond my XX/XX/2023. I also can not login with my information on PayPal. I have changed my password and I am still unable to get into this account.
Company Response:
State: OH
Zip: 449XX
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: 2023-05-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Hello, XXXX XXXX XXXX, I can't add anew bank withdrawal balance to my XXXX account. I have called the customer service representative many times, but the problem has not been resolved. Please help me, thank you! " I am now linked with a new bank, prompting that mobile phone verification is required, but the verification page does not display my mobile phone number, so I can not complete the mobile phone verification and the new bank can not be linked ''
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX call center so if you did contact them immediately, they might not be open to help you.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, my sister said a Venmo representative would be calling because she needed help with her account. There was money transferred to my venmo account from her. The alleged Venmo representative called and asked take amounts from that money and transfer to individuals with my sister line in the memo. After about 40 minutes on the phone with them, my husband called my sister and said I was still on the phone with Venmo and she said to hang up because she thinks it was a scam. So, I immediately got off the phone and filed disputes with Venmo to stop the transactions via each transaction as well as called them. Dispute Date Dispute Id External Payment ID Denied Appealed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX They then denied them on XX/XX/XXXX and I appealed them back to them on XX/XX/XXXX. I also sent them another email on XX/XX/XXXX. Then on XX/XX/XXXX, I received an email stating I do not sufficient funds to cover a disputed case. I then replied back to them again on XX/XX/XXXX stating this was again this was fraud that was immediately disputed and they needed to clear it out. They replied on XX/XX/XXXX asking for information, I then replied back to them on XX/XX/XXXX with the following : Do you know the recipient of the transaction? : No Did you contact the recipient for this transaction? : No Was your device lost, stolen, or out of your possession at the time of the transaction? : No Do you currently have possession of your device? : Yes Did you ever give anyone permission to use your account or device? : No Did you already dispute this transaction with your bank? : My sister and I both notified you all as soon as we were scammed by someone pretending to be from Venmo. We both asked you not to transfer funds and explained what happened. We both have separate cases. Those charges were all disputed within minutes to Venmo as the bank. No goods or services were exchanged. These were all fraudulent. They replied on XX/XX/XXXX with a denial. On XX/XX/XXXX, was my latest appealed and asked for escalation on venmo request # XXXX that denied and have not heard anything back. I even resent it on XX/XX/XXXX to XXXX ' XXXX ; XXXX and still have not heard anything back.
Company Response:
State: OK
Zip: 74014
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/XXXX my Paypal account was closed without any warning. I had done nothing wrong. All of my transactions were either sending money to a company for a payment of goods or services or receiving/sending money to a friend. Both types of transactions are what Paypal terms and conditions state that their accounts are used for. I had a refund from a diving company in XXXX that amounts to {$240.00} on XX/XX/XXXX. This is sitting in the digital Paypal wallet. Paypal will not let me withdraw my refund. I request that my refund be transferred to my linked bank ASAP. This is my request. The email address associated with my Paypal account is XXXX.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Dear reader, I hope you are doing well. The subject of my complaint is " PayPal Holding {$600.00} and Refusing to Send to Recipient or Cancel Payment. '' On XX/XX/2023, I initiated a friends-and-family payment on PayPal to my partner and roommate PERSON A for {$600.00} with the note PERSON B the cleaner only takes XXXX!! ", which PayPal flagged for review and still has not sent to the intended recipient PERSON A as of XX/XX/2023, over 2 months later. The reason PayPal has not completed the payment is because I accidentally mentioned another individuals name in the note with the payment ( PERSON B ), and PayPal now demands the birthdate of that unrelated individual who is not associated with the payment and is not receiving the money. I do not have that individual ( PERSON B ) s birthdate and I am unable to provide that information. PERSON A and I have a multi-year history of sending one another money using PayPal due to our history as partners and roommates. With this particular transaction, I accidentally copied another persons name ( PERSON B ) into the message associated with the payment. Since the payment was initiated, PayPal has refused to complete the payment or cancel it because On XX/XX/2023, you sent a payment for the amount of {$600.00} for " PERSON B the cleaner only takes XXXX!!. '' Please provide the following information : The date of birth for PERSON B... This hold can not be removed until PayPal receives the requested information that will enable us to ensure our compliance with our regulatory obligations. Over the past two months, I have tried collaborating with PayPal in multiple ways to resolve this issue. I have tried collaborating with PayPal to resolve this issue by offering to provide the intended recipients birth date ( PERSON A ) since he already has a PayPal account and has previously provided PayPal with his Personal Identifiable Information ( PII ). PayPal informed me that would not work. I have also tried to collaborate with PayPal by offering that PayPal simply cancel the payment and refund me. I have requested that PayPal explain what regulatory obligations require them to obtain the birth date and PII of an unrelated individual who may not hold an account with PayPal, and PayPal refused to give rationale or even the name of the regulation they may be supporting. I have told PayPal multiple times that the individual whose birth date they are demanding is not associated with the payment and is not receiving the payment. I can not provide PayPal with the PII and birth date of this individual, who is not associated with the payment. I have asked PayPal to provide more information on why that individuals PII is required for the payment to complete and PayPal is unable to answer. Although PayPal claims the only impact on my account is that I am unable to close my account, the other impact is that PayPal has effectively stolen {$600.00} from me and refuses to send that payment to the intended recipient or return it to me. I believe a fair resolution to this complaint would be for PayPal to cancel the payment and refund me the {$600.00}, or for PayPal to complete the review and send the payment of {$600.00} to PERSON A ( the intended recipient ).
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paypal insists I owe them XXXX. A purchase was made with XXXX for this amount but it was cancelled. XXXX issued a refund to my PayPal credit account. XXXX inadvertently also issued a credit to my XXXXXXXX XXXX which has since been reversed. A copy of the XXXX XXXX transactions related to this issue is attached. My XXXX XXXX is being charged for the XXXX mistake and paypal is also trying to collect this money from me.
Company Response:
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A