Date Received: 2023-05-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: PayPal refuses to refund money taken from by bank account via ACH for a purchase that was cancelled same day of purchase with both PayPal and the seller XXXX XXXX. PayPal is trying to contort the narrative that I attempted to use a PayPal credit that was denied. As a result they took money via bank ACH. Here is the problem with that lie and misinformation. The purchase was made XX/XX/XXXX online at the XXXX XXXX website. I choose the payment via payment in 4 via my XXXX XXXX. Its the method I always use. When I realized the full amount, I immediately called PayPal. They were closed. Their online chat bot referred my to the portal. I checked cancel agreement. A few hours later when they opened, I called an cancelled on the telephone. Then I called the seller XXXX XXXX. I cancelled twice. First with a rep, and then a manager. The manager confirmed the cancellation. I then called PayPal to confirm. PayPal told me I was good. But the money was from my debit card. That was rarely use my debit card. Its always XXXX XXXX due to their buyers protection. I underscored with PayPal the order was CANCELED. Much to my chagrin, the next day the took money via ACH from my bank. I filed multiple disputes with PayPal. I even had the seller CONFIRM the order was cancelled, never shipped, and never delivered. Yet papal continues to play games refunding {$1300.00} to my account. I even have an email from the seller confirming the refund and cancellation. Moreover, I have an email from a PayPal rep named XXXX. He confirmed the seller had until XX/XX/XXXX. At that point PayPal would refund. Its XX/XX/XXXX, and PayPal has now asked until XX/XX/XXXX. Unacceptable. Their new supervisor XXXX has twisted the narrative to say I wanted to use a PayPal seller credit ( of which there is ZERO credit available ) to make a {$1300.00} purchase? Thats preposterous and a lie. I wanted the purchase from my XXXX XXXX with pay in 4 option. They CONVENIENTLY obviated that payment option because they knew XXXX had buyers protection where debit cards rarely have this. As of XX/XX/XXXX, I have sent XXXX the sellers email confirming the refund and cancellation. PayPal also has the RECORDING of their own rep XXXX saying the dispute would be closed by XX/XX/XXXX and my money refunded XXXX has engaged in predatory and bad business practices. I am demanding my {$1300.00} refunded ASAP
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PayPal permanently restricted my account and has been holding my funds for over 2 years after saying to me over the phone 2 years ago that my funds will be held for 180 days & that I would receive an email on instructions on how to remove my funds its been 2 years going onto 3 soon & PayPal agents still cant help me out. Still no emails or further information?? Its XXXX dollars they are holding
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Support Team, I am writing to appeal the recent blocking and limitation placed on my newly registered PayPal account. I believe there may have been a misunderstanding or mistake in the assessment of my account, and I kindly request a thorough review of the situation. As a new user, I am eager to utilize the services provided by PayPal and follow all the rules and regulations outlined by the platform. However, I was surprised to find my account blocked and limited without any prior warning or explanation. I assure you that I have not engaged in any activity that violates PayPal 's terms of service or poses a risk to the security of the platform. I understand the importance of maintaining a secure environment for all users, and I am committed to upholding the integrity of PayPal. I kindly request you to provide specific details regarding the reasons for the account blockage and limitation. Additionally, I would appreciate any guidance or instructions on the steps I need to take to resolve this matter and regain full access to my account. Please note that the email address associated with the blocked account is XXXX. I kindly ask you to communicate any updates, requests for information, or further instructions regarding the appeal process through this email address. I am more than willing to provide any necessary documents, information, or clarification to verify my identity and address any concerns that may have led to the account blockage and limitation. I value the services provided by PayPal and would like the opportunity to continue using the platform for my financial needs. Thank you for your prompt attention to this appeal. I trust that the matter will be resolved in a fair and timely manner. Should you require any additional information or have any further questions, please do not hesitate to contact me. I appreciate your understanding and assistance in rectifying this issue. I look forward to a positive resolution and being able to resume using my PayPal account. Yours sincerely, XXXX XXXX
Company Response:
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the XXXX of XX/XX/2023, I awoke to check my emails at XXXX XXXX of which I noticed that my friend had sent {$900.00} as a payment through PayPal to pay in advance for her daughter 's art classes. As I followed the link in the email to XXXXXXXX XXXX website, there was a statement at the top of the main page in red that stated, " You have money on hold. Add your tax ID by XX/XX/2023 to end the tax ID hold and avoid 24 % IRS back up withholding ''. I did not know that my friend was going to send {$900.00} via PayPal, since I see this person every week and therefore, I wanted to refund her the money, so that she could pay me through another method. So, I clicked the button to refund the money thinking that it would merely send the money back to the sender, but instead PayPal took the money directly from my checking account in my own personal bank to refund the full amount of {$900.00}, which left my personal banking account in arrears. This transaction caused my Bank to charge an overdraft fee of {$36.00}. After learning of this action against my own personal bank account, I immediately called PayPal and spoke to an associate and since the call was being recorded, I began to use my own voice recorder during the middle of the conversation, so that I would have proof of the type of communication that I was dealing with. I thought that the issue would have been easily resolved, since all I wanted to do was close my account and have PayPal refund my money, but that did not happen. When the initial conversation did not lend itself to any resolution, I decided to hang up and call again to speak to another associate at PayPal. The conversation, although a little more amicable, did not lend any beneficial results for my issue. All of the associates that I spoke with stated that there was no one in any authority that could help me reestablish the money that was taken out of my personal banking account in a fraudulent manner. I did not have money to deposit at the time, so I received some money from a friend and took it to my bank the next day to stop the fire storm of overdraft fees that I would have been charged each day. for the next 60 days from waiting for the money to be refunded by PayPal. If money was sent into PayPal 's system, then PayPal should send the money back from its own system when a refund is issued. This is not the case with my claim. Instead, PayPal removed money from my personal checking account in order to pay a refund to the individual who sent a payment of {$900.00}. Two more transactions went through Paypal 's system an into my personal account in the amounts of {$100.00} and ~ {$30.00} without any holds. A third transaction came into Paypal and is being held with fees taken out and was ~ {$60.00}. It is picking and choosing what passes and what doesn't. PayPal 's faulty system of refunding money is at fault and restitution for damages needs to be made in regards to this situation. I have already notified the XXXX XXXX XXXX and received a response from Paypal 's Executive Escalations. They refuse to release funds from my account until I give them more personal information and I refuse. I do not have to send more information if I am going to close my account. Extortion is being used as a vice against the People, and withholding personal funds is fraud and theft.
Company Response:
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have a paypal claim for {$270.00} with a banking service ( seller 's bank ) XXXX. I have provided all documents asked for. They refuse to issue a provisional credit, or address that paypals policy is NO MATTER WHAT THE TRANSACTION ISSUE. if a dispute is longer then 10 days, a provisional credit WILL BE given. They've taken 2 smaller disputes I had and provisional credited those, but keep re-directing the question of they're regulation E 10 day policy. My accounts XXXX years old. So it does not give them 20 days, as stated on there policy 's. When I ask about the provisional credit for transaction amount {$270.00}. I was lied to by one supervisor. Swearing he was the best in his department and he'd go ahead and grant the provisional credit that day. That was XXXX XX/XX/2023It's now day 12 and still nothing. Supervisor i spoke to on XXXX said there was no note of approved provisional credit, and at this stage of claim, the merchant has 15 days to respond. I repeatedly asked about the 10 day provisional credit regulation E policy on there policy page, and rep kept repeating that the merchant has 15 days, and that it very well might state that on there website, but not for this case. She wasn't sure why, but assured me ide have a resolution soon.
Company Response:
State: NC
Zip: 28461
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly registered PayPal account. I would like to bring to your attention the fact that I am a new user on your platform and have not engaged in any activities that could have violated PayPal 's terms and policies. I understand that PayPal has strict security measures in place to protect its users, and I appreciate your efforts in ensuring a safe environment for online transactions. However, I believe there may have been a misunderstanding or an error in the assessment of my account. I kindly request you to review my account and provide me with the specific reasons for the blockage and limitation. As a new user, I have not had the opportunity to make any transactions or perform any actions that could raise concerns. I am committed to abiding by PayPal 's rules and regulations and would like to resolve this matter promptly. I am more than willing to provide any additional information or documentation that may be required to verify my identity and regain full access to my account. Please let me know the necessary steps I need to take to rectify this situation. Thank you for your attention to this matter. I appreciate your prompt assistance in resolving the issue and allowing me to fully utilize the PayPal services. Please feel free to contact me if you require any further information. Yours sincerely, XXXX XXXX E-mail : XXXX XXXX
Company Response:
State: KY
Zip: 42718
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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 express my deep concern and discontent regarding the permanent limitation that has been imposed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account due to a mistake or misunderstanding, as I have not violated any PayPal policies or engaged in any fraudulent activities. Firstly, I would like to emphasize that I have been a loyal and active PayPal user for [ insert duration of usage ], and I have always adhered to the terms and conditions set forth by PayPal. I have regularly used my PayPal account for both personal and business transactions, ensuring compliance with all applicable laws and regulations. Consequently, I am perplexed as to why my account has been permanently limited without any apparent reason or prior warning. Secondly, I have thoroughly reviewed PayPal 's policies and guidelines, and I can confidently assert that I have not violated any of them. I have always conducted my transactions in an honest and transparent manner, maintaining the highest standards of integrity. It is crucial to emphasize that I have never engaged in activities such as money laundering, fraud, or any form of unauthorized use of the PayPal platform. Therefore, I am perplexed and deeply concerned about the permanent limitation imposed on my account. In light of the above, I kindly request that PayPal undertake a comprehensive re-investigation into my case to rectify this matter. I strongly believe that there has been a mistake or misunderstanding that has led to the permanent limitation on my account. I would greatly appreciate it if PayPal could thoroughly review the transaction history and account activity associated with my account. I am confident that such an investigation will reveal no wrongdoing on my part and support my claim for account restoration. I understand the importance of maintaining a secure and reliable platform for all PayPal users, and I fully support PayPal 's efforts in this regard. However, I sincerely believe that my account has been wrongly targeted, leading to this unwarranted limitation. I kindly request your prompt attention to this matter and a fair and impartial reconsideration of my case. In conclusion, I respectfully request that PayPal re-evaluate my case, taking into account the aforementioned points. I am confident that a thorough investigation will confirm my compliance with PayPal policies and justify the restoration of my account. I am eagerly looking forward to a positive resolution and a reinstatement of my PayPal account to resume using your platform for my personal and business transactions. Thank you for your time and attention. I kindly request that you acknowledge receipt of this complaint and provide me with an update on the progress of my case at your earliest convenience. I can be reached at the email address or phone number provided above. Yours sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Paypal reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. I am a customer since 2018 and yesterday they blocked my account and my money. Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. After studying your account, we have decided to restrict it permanently, as it presents potential risks. Therefore, 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 in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money. I have familiy, my account paypal it's important for me. Every day i receive money from paypal. I have nothing problem before. I'm not criminal. You can check my historic paypal. My customers so happy.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Reference number : XXXX XXXX XXXX XXXX XXXX XXXX I really don't know what to do. I just ask you to unlock the account and return the money my customer or release my money to me. 1. Issue the refund to my customer or release the funds so that they are available in my account, as I can not refund as the account is blocked. 2. Reimburse the customer who has paid almost XXXX usd because he has just opened a dispute and I can't reimburse him because the account is blocked. So what can I do? Just refund the customer who wants the money back. The money is blocked on my account and he wants to lodge a complaint. 3. I have a family and I don't want to end up in prison because the customer wants his money back. Pay him back or unblock my account so that I can pay him back. He opened a dispute on paypal but my account is blocked so I can't issue the refund. 4. Help me solve this situation, I can't sleep. Let 's be human, I'm not a criminal I just want the money to be released or for you to refund the customer who paid. Reference number : XXXX XXXX XXXX XXXX XXXX XXXX I really don't know what to do. File number XXXX XXXX XXXX XXXX USD Amount in dispute XXXX USD Transaction date XX/XX/2023 Buyer 's name XXXX XXXX Transaction no. : XXXX
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Thanks for your response but I have total of {$150.00} that your Debit Card Disputes Dept. Still owes me on my account as well as {$5.00} from a merchant refund. Please understand that this money was asked to be released by the merchants back into my account. I need you deposit my funds into my balance to make transfer out to my debit card. I did nothing wrong for you to hold my money & request you release the account limitation today to access my funds and that the Back Office regard the letters sent to service.paypal.com that were sent with my Disputes. This matter is not resolved until all my funds are received. Please contact me at XXXX XXXX XXXX XXXX XXXX that these funds are recovered. Your office knew I was XXXX and these funds were for my medical expenses they can not be on held 180 days I am XXXX. I need an executive response by phone to release and transfer my refunds owed today to my debit card like the agent allowed me to do on Monday. Please call soon.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A