Date Received: 2023-05-25
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Customer Support, I am writing to you to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation has been imposed in error, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. I kindly request that you re-evaluate my case and restore my account, allowing me to resume using PayPal 's services. To the best of my knowledge, I have always complied with PayPal 's terms and conditions since I opened my account. I have used it responsibly for various transactions, including personal payments and online purchases. I have always strived to maintain a positive and trustworthy relationship with PayPal, and I am genuinely surprised by the permanent limitation imposed on my account. I would like to emphasize that I have not participated in any prohibited activities, such as fraudulent transactions, unauthorized access, or any form of malicious activity. I have consistently adhered to PayPal 's policies and guidelines, conducting my transactions in a legitimate and ethical manner. It is my sincere belief that my account has been mistakenly flagged for violation, leading to the unjust restriction. Given the circumstances, I kindly request that PayPal undertake a thorough re-evaluation of my case. I implore you to conduct a comprehensive investigation into my account activity, including the specific reasons that led to the permanent limitation. I am confident that upon review, you will find no evidence of any wrongdoing on my part. Therefore, I humbly request that you consider reinstating my PayPal account, allowing me to continue utilizing your platform with the same level of trust and confidence as before. For your reference, the email address associated with my PayPal account is XXXX. I kindly request that all correspondence regarding this appeal be directed to the provided email address, as it is the primary method of contact associated with my account. I would like to express my utmost appreciation for your attention to this matter and your prompt consideration of my appeal. I have always valued PayPal as a trusted and reliable financial platform, and I sincerely hope that this misunderstanding can be rectified. I am eager to resolve this issue amicably and look forward to a favorable response from PayPal. Thank you for your time and understanding. Sincerely, [ XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Based on online posting and Venmo 's Purchase Protection program guarantee, I made a purchase for US {$62.00} from a Venmo account associated with XXXX XXXX. The Venmo ID for the account is @ XXXX. However, the goods were not delivered. The contact number for the person is XXXX ( XXXX ) XXXX. The person initially communicated but ghosted after the amount was transferred and payment was confirmed. A dispute ticket was raised with Venmo.
Company Response:
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I contacted Venmo customer service several times in XXXX, XXXX and XXXX to report to then that someone spoofed my number and got my email accounts and opened 2 Venmo accounts in my name from what I was told by Venmo. I dont think they ever shut these accounts down and I want to file a complaint and have the accounts shut down
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: In early XXXX of XXXX I purchased a refurbished kitchen appliance from a website for the price of {$64.00}. The merchandise was never delivered to me, I do not have the name of the seller ; website and email address have completely vanished from the Internet after I threatened to file a Police report. I reported the charge as fraudulent to XXXX. I had XXXX options to pay for the merchandise, XXXX was XXXX that I have never heard of, the other one was PayPal. I do not have a PayPal account, but I was able to use PayPal as a guest, and my XXXX XXXX was charged on XX/XX/XXXX. For PayPal I have used my eMail address XXXX. as well as my phone number XXXX. XXXX cancelled the card ending in XXXX for safety reasons, reversed the charge on XX/XX/XXXX, and a new card ending in XXXX was issued. I had considered the case closed. XXXX determined that no fraud was committed, and the charge of {$64.00} was made permanent. I started making calls to Discover that same day, I had to tell the story to several different agents and still was told that this charge is not considered fraud, since I authorized a payment. That I had never received my merchandise did not seem to matter, but at least XXXX of the agents gave me a little bit more information and told me PayPal had provided them with a XXXX tracking number, which indicated that my merchandise was delivered on XX/XX/XXXX. The tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. I went to my local XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ), talked to clerk XXXX, he was able to confirm that this was not a package meant for me, but a XXXX. package ( postage {$4.00} ) which was delivered on XX/XX/XXXX, to XXXX XXXX XXXX in XXXX XXXX, OH ( I live on XXXX XXXX XXXX in XXXX XXXX, OH, but the XXXX cities share the same ZIP Code ). My merchandise would have been about XXXX. XXXX opinion was that the merchant had fished a tracking number, provided PayPal with it, they took it as valid and provided XXXX with the information that a package with that tracking number was delivered. With that information I contacted PayPal. Using the information from my XXXX statement PAYPAL XXXX XXXX CA. An agent was able to find the dispute with XXXX within a few seconds, that it was closed as not fraudulent since the merchant had provided a USPS tracking number as proof of shipping. We discussed the case in detail, and he agreed that it is considered fraud when a seller provides a false tracking number to make the buyer believe he has shipped merchandise, but he also admitted that it is nearly impossible to verify all information they get from merchants, there are simply too many claims like this. PayPal has the case reopened and escalated, and I was supposed to hear from them by XX/XX/XXXX, and that it is very likely that the charge would be reversed in my favor. That did not happen, and I called PayPal again on XX/XX/XXXX. The agent told me to get in touch with XXXX again and request a chargeback, and that PayPal would not be able to help me, but the agent provided me with their internal case number : XXXX XXXX their internal case number used between them and XXXX : XXXX. I filed a chargeback request with XXXX that same day, also filed a complaint with the CFPB ( case # XXXX ), XXXX denied my request as well as my CFPB complaint and closed the case again on XX/XX/XXXX, after telling me the day before on XX/XX/XXXX, that Discover needed more time to investigate. I am aware that XXXX might not be required to do a chargeback, but PayPal is, therefore I request a refund of my payment in the amount of {$64.00}. The last agent I talked to indicated that even she could not read the merchants name, as all she was seeing are XXXX symbols, but she would mark his account as suspicious.
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: PayPal has decided my account is at risk. So, they have decided to part ways with me while they hold my money hostage for 180 days. I am XXXX and live on a limited fixed income. A PayPal rep said she cant find out why. She put me through to her supervisor and she hung up on me. This is just wrong because I didnt do anything to warrant such. I use their service for XXXX and refunds, rebates offers. Thats it. I need to know why I am being treated this way. Maybe, if I identify as XXXX or some XXXX XXXX, I will get help from them. Such a disgusting, disgraceful so-called American company.
Company Response:
State: NC
Zip: 286XX
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: Account permanently limited and my funds of {$590.00} are locked in the account for 180 days. I would like the money released sooner if possible. I do not think I broke any terms and conditions.
Company Response:
State: IA
Zip: 505XX
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: I have {$1900.00} in my paypal.com account received on XX/XX/2023 from XXXX and can not withdraw it. I logged into my PayPal.com account to withdraw the funds on XX/XX/2023 and found that the account was being " permanently limited ''. I called to find out what happened and they told me nothing stating that if they told me then I would find ways around it and to read the terms and conditions on prohibited activity. I have done nothing wrong. I have used Paypal in accordance to the law. I use it to buy stuff. There is nothing unusual in what I have been buying for several years now. I was told that I needed to read the terms and conditions, I did, and I did nothing wrong and Paypal will not tell me what they say I did wrong. Paypal is wrong. I DID NOTHING WRONG and do not understand and want to know exactly what is going on. I have permanently lost the ability to have a PayPal account for no reason at all. They are just making up stuff. And I WANT ALL MY MONEY IN MY ACCOUNT TO BE TRANSFERRED IMMEDIATELY TO ME. Paypal is doing something very fishy and they need to be held accountable and I need to get my money NOW. They are illegally holding my money for no valid reason, using some excuse that there was prohibited activity. There was no prohibited activity as I have done nothing wrong. And they won't tell me anything either. They tell me I violated their policy. They are wrong! And they are wrongly holding my money. And they won't give it back. I want my money released immediately. -- -- - I received an email from Paypal.com on XX/XX/XXXX stating the following exactly : 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 XXXX, 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.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PayPal continuously refuses to close my account when asked while charging multiple random amounts to my account using payments that dont show a merchant code, and deleting the transactions afterwards.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I lost my Venmo debit card. There were fraudulent and unauthorized transactions made. Venmo said they will investigate this and did not do a thorough investigation. They claimed a pin number was used when no one has access to my pin number. I then myself contacted all the merchants where fraudulent transactions occurred, and they all told me it was not a pin number used when my card was used. It was a signature-based transaction. Upon reviewing Venmos terms and conditions all fraudulent transaction should be refunded to my account along with freezing my card. This never was done by Venmo and Im asking for assistance. Venmo representative, then tells me to get documentation from the merchant which the merchant is unable to give me. They will only be able to provide it to Venmo. This is a tack of Venmo terms and condition said they should do.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: XXXXAttempted an Instant transfer to my bank account from my Venmo wallet in the amount of {$500.00} During this time the transaction did not arrive. The Venmo customer service representative said it was an issue with my bank. After explaining that I had spoken with my bank and verified no transaction was attempted I was told my case was being sent to the Account team. The representative stated the Account team did not take calls or e-mails but I would receive word in 6-8 business days. XXXXReceived refund for Instant Transfer fee in the amount of {$34.00} after calling Venmo customer service. In the mean time dozens of e-mails and messages have been sent. I have been sent to different customer service workers each time. At times they stated they would need to speak to the Engineering team to resolve the issue and promised I would be updated. The response never came and the subsequent e-mails ignored large portions of my questions about options for a resolution. Customer service has refused to engage with me or provide a timeline for the return of my money or an explanation of the issue. The e-mails are available should you wish to see them.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A