Date Received: 2023-05-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I was sent {$4000.00} via friends and family I then opened the PayPal account as soon as I accepted the money they immediately limited my account wanted my id after uploading before I could even complete it they permanently limited my account. Said funds would be available after 180 days they sent me messages via the message center with the date XX/XX/2023 my funds would be available. XX/XX/XXXX they refuse to release my funds still are telling me no information available. I just want my money
Company Response:
State: KY
Zip: 425XX
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 an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Venmo account and verified my identity right away. My uncle sent me some money to help with my rent. He sent the money as product and services but later that day contacted Venmo to ask it be changed to the friends or family method. I also contacted Venmo to change it so I could have access to the funds. Venmo replied back with an email telling me I violated the ToS and that I can no longer use the service and have to wait 180 days to get my money. It's the only transaction on my account. Because Venmo did this I have been evicted from my home. I did nothing wrong for them to do this and the domino effect it had on me was devistating.
Company Response:
State: MS
Zip: 39305
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: Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed as a result of a mistake, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. First and foremost, I would like to emphasize that I have been a loyal and responsible user of PayPal. Throughout my usage, I have maintained a strong commitment to complying with all the terms and conditions set forth by PayPal. I have always conducted my transactions in a lawful and ethical manner, respecting the platform 's policies and guidelines. Upon discovering that my account has been permanently limited, I thoroughly reviewed my recent activities to understand the reason behind this decision. To the best of my knowledge, I have not engaged in any prohibited activities, such as fraud, money laundering, or any other actions that could potentially compromise the integrity of PayPal 's services. I have always strived to maintain a positive reputation and have not received any complaints or disputes against my account. Considering the aforementioned points, I kindly request PayPal to re-investigate my case in detail and reconsider the permanent limitation imposed on my account. I believe that there may have been an error or misunderstanding leading to this decision, and I am confident that a thorough review will reveal my adherence to PayPal 's policies. Moreover, I understand that PayPal values its customers and aims to provide them with a secure and reliable platform for online transactions. As a loyal user, I kindly request the opportunity to present any additional information or evidence that may aid in the reevaluation of my account 's status. I am fully committed to cooperating with PayPal throughout this process and providing any necessary documentation to support my case. For your convenience, the email address associated with my PayPal account is XXXX. I kindly request that all further communication regarding this matter be directed to this email address. I appreciate your prompt attention to this appeal and hope for a fair and favorable resolution. Thank you for your time and consideration. I remain hopeful that PayPal will recognize my dedication to your platform and restore my account, allowing me to resume using PayPal 's services for my financial needs. Yours sincerely, [ XXXX XXXX ]
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: Last year I had sold a gaming console to someone from XXXX XXXX who made a new fraudulent and then paid me through Venmo. After which they did a charge back on that credit card. Venmo then sided with that invidual who has a fake account and used a fake identity to do this to scam me out of {$750.00}. Venmo took that funds from my account, sent it to the other person, and then froze my account without much investigation or thought. This happened on XX/XX/XXXX of XXXX. I tried many times to call Venmo and reach out to their support without much avail. The person 's Venmo name and their real name dont add up. If you go into that person 's account you can see that they have no history or friends, nor is their identity verified. I had my account since Venmo first came around and I have over XXXX friends on there and my identity is verified. I've been a customer of Venmo for a very long time. My account is verified I have had many transactions on there over the course of the last decade or so.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I SAW A XXXX XXXX OF A FRIEND OF MINE AND SHE WAS SELLING SOME STUFF SO I MESSAGED HER. WELL IT WASN'T HER I WAS MESSAGING. I DID NOT HAVE HER PHONE NUMBER TO ACTUALLY CALL HER SO I JUST MESSAGED HER. I WANTED TO PURCHASE A WASHER AND DRYER AND A GOLF CART SO I SENT HER MONEY THAT SHE HAD ASKED FOR AS A DEPOSIT. BUT SHE KEPT TELLING ME IT WASN'T WORKING AND IT HADN'T CAME OUT OF MY ACCOUNT YET SO I THOUGHT SHE WAS BEING SERIOUS ... WHEN I SENT MORE IT ENDED UP HER GETTING DOUBLE. SHE GAVE ME AN ADDRESS AND MY DAD AND I WENT TO GET THE PURCHASED ITEMS AND I LOOKED IT UP ON HAR.COM AND IT WAS A GOOD ADDRESS, BUT WHEN WE GOT THERE IT WAS AN OLD ABANDONED LOOKING HOUSE. I AM SO STRESSED OUT AND THIS PERSON OR PERSONS HAVE MADE MY LIFE SO MISERABLE RIGHT NOW. I HAVE NEVER HAD THIS HAPPEN AND HOPE NO ONE EVER HAS TO DEAL WITH THIS. I HAVE REACHED OUT TO VENMO, PAYPAL, AND CASH APP, BECAUSE SHE STOLE MONEY FROM ME FROM EACH OF THESE. I AM SO STUPID TO HAVE BELIEVED THIS. I HAVE NO MONEY TO BUY GROCERIES FOR MY FAMILY RIGHT NOW BECASUE I HAVE MESSED UP. ALL PURCHASES HAPPENED ON XX/XX/XXXX. VENMO- {$800.00} PAYPAL- {$300.00} CASH APP- {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL- {$1600.00}
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Complaint Against PayPal Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding a recent incident that has resulted in significant financial loss, inconvenience, and emotional distress. I believe that PayPal 's handling of the situation has been unfair and contrary to their own policies. On XX/XX/2023, I engaged in a transaction on XXXX where I sold XXXX XXXX through their peer-to-peer program to a buyer named XXXX for XXXX USD. The payment was processed via PayPal, and once the payment was confirmed, I promptly released the XXXX to the buyer 's account. Regrettably, two days later, the buyer filed a claim with PayPal, alleging fraudulent activity and demanding a refund. I immediately provided compelling evidence to refute the claim, including verifying that the buyer 's name matched the individual I sold to and highlighting XXXX 's stringent XXXX verification requirements. Initially, PayPal cited non-delivery as the basis for ruling against me, but later altered their reasoning, asserting that XXXX does not qualify for seller protection. It is essential to note that PayPal 's seller protection agreement does not explicitly exclude XXXX from eligibility. I have clearly communicated this fact to PayPal and provided concrete evidence, such as screenshots and emails from XXXX, confirming the successful delivery of the XXXX to the buyer 's account. Despite my diligent efforts and the supporting evidence I provided, PayPal sided with the buyer and refunded the funds. The buyer initiated five separate transactions, each with a unique transaction ID : - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX PayPal 's explanations for ruling against me have been inconsistent and contradictory. I have exhausted all available channels to address this issue, including multiple attempts to contact PayPal 's customer support. Although they briefly reopened the cases for review, the outcome remained unfavorable, and PayPal failed to provide a clear justification for their final decision. This entire experience has caused me significant frustration, financial hardship, and emotional distress. I am seeking your assistance and intervention in this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this case and urge PayPal to reconsider their decision, rectify the situation, and reimburse the funds that were unjustly refunded to the buyer. I have full confidence that the Consumer Financial Protection Bureau will prioritize the protection of consumer rights and ensure a fair and equitable resolution. Thank you for your attention to this matter. I eagerly await your prompt response and support in resolving this dispute. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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 regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been made in error, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. Firstly, I would like to emphasize that I have been a loyal PayPal customer for [ number of years/months ] and have always conducted my transactions in accordance with your terms and conditions. I have never been involved in any fraudulent activities, nor have I violated any of PayPal 's policies. It is disheartening to find my account permanently limited without any explanation or opportunity to rectify any perceived issues. Given my adherence to PayPal 's policies and my clean track record, I kindly request that PayPal re-investigate my case thoroughly. I believe that there may have been a misunderstanding or an error in the decision to permanently limit my account. I urge you to carefully review my account activity and transactions, as I am confident that you will find no evidence of any policy violations or suspicious behavior. Furthermore, I would greatly appreciate it if you could restore my PayPal account if the re-investigation reveals that the initial limitation was indeed unwarranted. As a long-standing customer, I value the convenience and security that PayPal provides XXXX and I would like to continue utilizing your services for my online financial transactions. I understand that PayPal prioritizes the safety and security of its users, and I commend your efforts in maintaining a trusted platform. However, I respectfully request that you reconsider the permanent limitation imposed on my account and restore it to its original functionality, allowing me to resume my normal activities on PayPal. I have attached any relevant documents or evidence that may assist in the re-investigation of my case. If there are any additional materials or information that you require, please do not hesitate to contact me at the provided email address or phone number. I sincerely hope that PayPal will give due consideration to my appeal and undertake a comprehensive review of my account. I trust in PayPal 's commitment to fairness and rectifying any erroneous actions, and I eagerly await a favorable resolution to this matter. Thank you for your attention to this complaint, and I look forward to your prompt response. Yours sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Customer Support, I am writing to submit a formal complaint and appeal against the permanent limitation that was recently placed on my PayPal account. I firmly believe that this limitation has been erroneously imposed and I would like to request a thorough re-evaluation of my case in order to rectify this situation. Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or engaged in any activities that would warrant such a severe action against my account. I have always conducted my transactions within the boundaries of PayPal 's terms of service and adhered to the guidelines set forth by the platform. Therefore, it is my belief that this limitation is a result of an error or misunderstanding. Given the importance of my PayPal account for my personal and professional financial activities, I kindly request PayPal to undertake a comprehensive investigation into my case. I would greatly appreciate it if the relevant department could review the details of my account, transaction history, and any associated activities, with the aim of identifying any misunderstandings or errors that may have led to this unjust limitation. Furthermore, I kindly request PayPal to restore my account access and remove the permanent limitation if the investigation determines that my account has been unfairly restricted. I have relied on PayPal as a trusted and secure platform for conducting my financial transactions, and the permanent limitation has caused significant inconvenience and disruption to my daily operations. For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate any updates or resolutions to this email address to ensure timely correspondence. I would appreciate your prompt attention to this matter and a timely response regarding the progress of the re-evaluation of my case. I trust in PayPal 's commitment to fairness and accountability, and I sincerely hope that this issue can be resolved to reinstate my access to the platform. Thank you for your attention to this matter. Yours sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: PayPal. Someone sent me {$1100.00} USD on XX/XX/XXXX. PayPal had a problem with their system and it was converting some accounts to GBP. My account was affected and the money is still showing up as GBP. When it converts to USD, the amount is lower than what was sent and there are conversion fees. I live in the United States. The person transferring the money to me lives in the United States of America. Additionally, PayPal somehow changed my currency to GBP so I had to talk numerous hours on the phone with them trying to get them to change it back to USD. I have NEVER, EVER used anything except USD for my transactions, whether sending or receiving! I have spent countless hours on the phone with them, used the chat feature with them, and have several e-mail communications with them. It is now XX/XX/2023. This has been going on since XX/XX/XXXX when I tried to access my money. They need to change the transaction back to USD, which is what is was sent as, in the amount of {$1100.00}, with no fees charged. It is their mistake. I don't even know if they have their algorithm straightened out or not yet. I am attaching a document that reflects only part of my communications with them.
Company Response:
State: MI
Zip: 49006
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I opened some claims in PayPal ( XXXX XXXX XXXX & XXXX XX/XX/XXXX ) against a XXXX seller selling me counterfeit sterling silver. I submitted the documents and other additional evidence to back my claim. I even attached a document from a coin shop to back my claim. The cases ended up closing in the seller 's favor because I voided my purchase protection by doing acid tests on some of the items. I did not know this would void my case. I thought I was doing the right thing by testing SOME of these items to prove my claim. Instead, the seller will get away with scamming their customers. Only XXXX of the XXXX claims I filled were closed in my favor because I did not initially upload the videos of me acid testing the items. I was not required to sent the items back for those closed cases. All of these cases are the exact same. But since I decided to attach more information I thought would help me, I get shut down instead. Now I will never get my thousands of dollars refunded to be because of a XXXX PayPal policy. They ones I did test were not significantly damaged. Some of the items had the plating peeling off. They recommended me to contact my financial institution to do a chargeback, but they do not have a coverage period of 180 like PayPal. I feel so defeated. I have over 100 " sterling silver '' items from this seller and I only tested maybe 20. I also have no problem sending the items back, but the seller was being shady. Here is the formal complaint I put in the PayPal resolution center : " Seller is harassing me about sending the items back. They claimed they will test the items upon receipt and will test the items to verify if it's solid sterling silver. I am not against sending the items back, but I don't trust them anymore. I'm worried they will test the items and lie and say they're solid sterling silver. Then I would lose the money for counterfeit sterling and shipping fee. XXXX of the necklaces I received from them came with a certificate ( in XXXX ), but I tested those and they're also not sterling silver. This shows they ( or their supplier ) can not be trusted. They also showed a screenshot of their sales claiming their silver to be " higher than 92.5 %. '' The address provided was also very vague. I tried to verify the address with them, but they brushed me off and told me to send them back. They were also inconsistent with their solution. First they offered a refund to simply send the items back. They also said they will cover the shipping cost, then changed their mind later. Then, they said they will only refund me when they test the silver. If they tested to be real silver ( which it's not ), then I would not get a refund for the items or the shipping cost. Even after I brought this to their attention back in XXXX, they are still selling " sterling silver XXXX '' on their lives. I highly doubt they get these items tested. I have already tested and verified the items are not sterling silver ( XXXX ). They are not sterling silver at all or are only sterling silver plated. That does not qualify the jewelry to be marked XXXX, and that is fraud. The jewelry store, antique shop, and coin shop also agreed they're not sterling silver. I couldn't test every single piece because there's over 100 items, and they all require destructive testing. I didn't want to damage all of them just in case I have to send them back. One of the rings even fooled an antique shop owner. She did the basic nitric acid scratch test and tested it to be real silver. I took the same ring to the coin shop owner. He scratched the sterling silver plating off and tested it with his nitric acid. The acid turned a bluish green color to indicate it was nickle, not sterling silver. He examined the other jewelry I brought to him, and he agrees it's all counterfeit. I am simply following the advice of paypal representatives, and they're accusing me of wasting their time. They also worried about getting in trouble with PayPal because of the disputes and were willing to refund me to stay quiet. I'm pretty sure they're not the only sellers on XXXX selling counterfeit sterling silver jewelry. The XXXX market is flooded with these items. Buyers on XXXX are even complaining about it. The only reason I found out these items were not genuine sterling silver was because of a local jeweler. He randomly tested one of the rings I was wearing from the seller and found it was counterfeit. This led me to investigate this situation. This entire situation is shady, and I don't trust them anymore. I had a good relationship with these sellers initially, but now I'm disappointed. I also know another former customer of theirs that also had issues with them. They also didn't ship an item I paid for back in XXXX. '' This is some of the information I provided that I though would help my case but were used against me. Video Evidence XXXX : XXXX Conversation Screenshots XXXX : XXXX Photo evidence XXXX : XXXX Proof seller sold items as sterling silver XXXX : XXXX
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A