Date Received: 2023-05-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: While on holiday around the XXXX of XX/XX/XXXX I noticed some fraudulent transactions occuring on my payroll card ( Which i had never received ) on the dates of the XXXX to the XXXX of XX/XX/XXXX. I found out how to submit a fraud claim when i arrive home from vacation on the XXXX of XX/XX/XXXX and immediately Submitted a claim and the appropriate forms. On not receiving any feedback for a few weeks, I began to make a phone call to the Paypal and other financial service providers they would point me to. I was routinely told that I had been mailed correspondence and each time i protested the use of regular mail, As I do not trust regular mail. After a few weeks of these routine phone calls, around the middle of XXXX, I was informed during a call that a cheque had been mailed to me via regular mail. On reiterating my concerns with regular mail and my readiness to incur additional charges to use a service like XXXX, I was informed that that would be arranged when the XXXX either expired or was claimed. It has now been more than 5 months and I have yet to receive any mail or correspondence regarding my claim.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: To whom it may concern. My full name matching my passport and ID is XXXX XXXX. I live in XXXX, XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at XXXX On XX/XX/2023 I was permanently limited from PayPal, for absolutely no reason. The day before that, I was asked to verify my bank statement and passport or ID, which I successfully did. A few hours after, my account got permanently limited with the message below : " You can no longer use PayPal ( Ref ID - XXXX ) " They stated that I got permanently limited due to a User Agreement violation, however they were never able to state which specific violation was breached, no matter how many times I asked them. The first agent that I contacted, told me that the reason I was permanently limited was due to my passport being expired. I was surprised, and I apologized for this inconvenience. I kindly offered to provide any other documents that are up to date such as my XXXX passport or ID. I provided my ID and my latest bank statement of my linked bank account, which shows proof of my address. They stated that they forwarded my request to the relevant department, and that it would take up to 72 hours for them to examine it. Weirdly enough, not even 10 minutes after, they rejected my appeal. Even though, I did nothing other than follow their instructions and made sure that every single document is up to date. They stated that my complaint was forwarded to the relevant office. I kindly asked them for the reference number or ID of my forwarded complaint, they have failed to provide this, even though I made it clear to them and requested for the reference number for over five times, with no response from them. My available balance is XXXX EUR, and this whole balance is solely a payment from my cousin. It is unacceptable for them to state that I will have to wait for 180 days to accept a single payment from my cousin, not only that but they do not even state the reason! I believe that I should be eligible of withdrawing my balance, as they have no stated reason behind this limitation. I want to clarify that this is the first time that I verify my information to this app. I am not even registered for more than 5 months and this is the kind of treatment that I get from them. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will review that I am not a seller and I am solely using my personal account to accept payments from friends and family. I never had any chargebacks. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power. Simply because we agreed to their ToS and policies when signing up, it does not give them the right to enforce whatever the term they want with no explanation, with no DUE process and without proving the user guilty. They never allowed me to explain whether my activity is in violation of their user agreement. They are taking advantage of a consumer by including in an agreement terms or conditions that are harsh, oppressive and excessively one-sided so as to be unconscionable. Thank you for your time in looking into this matter.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: This complaint is against PayPal Inc . I selected the PayPal payment option when paying my electric bill and setup the payment to be made using a credit card that was in my PayPal " wallet. '' PayPal attempted to process the payment against my credit card, but the credit card issuer initially denied the transaction over concern about fraud and immediately contacted me via text message to confirm if this was a valid transaction. I responded that it was a valid transaction and they indicated that it would be approved on the next attempt. However, instead of denying the transaction, PayPal instead and without my permission processed the transaction against my checking account which is also part of my PayPal wallet. I contacted PayPal seeking clarification as to why this transaction was processed against an account that I had not selected or intended for use on this transaction. They indicated that when a credit card is denied they will process the transaction against other accounts and that there is no option for the customer to prevent this. This is a convenient choice by PayPal because the transaction is now processed against a checking account rather than a credit card and PayPal profits from avoiding the credit card processing fees which would have otherwise been required if the transaction was processed as the customer intended. This is a " dark pattern '' that PayPal has created which works to their financial interest at the expense of ordinary users. I note that the issue is not that PayPal has a " fall back '' account feature, but rather it is the fact that they refuse to allow customers to disable this feature so that payments are only processed against the intended payment method.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have XXXX days with XXXX transactions before my account can be closed. XXXX days have elapsed since my last contact with them and I am still unable to close the account. Reference previous complaint from XX/XX/2022. I continue to get monthly statements although my account is XXXX and I am unable to log in.
Company Response:
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Team, I am writing to appeal the suspension of my PayPal account which was recently banned shortly after I registered for it. As a first-time user, I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. I have not had the opportunity to use my PayPal account yet, therefore, I am confused as to why my account was suspended immediately after registration. I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. My account E-mail is XXXX Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. My working E-mail is XXXX Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered with the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/23 I was trying to sign into my XXXX XXXX XXXX. The TV requested my password which I forgot. Instead it gave an option to sign in through my mobile device or go to XXXX Enter the following code. There was a phone number listed as I was still having trouble so I called thinking I'm dealing with XXXX, I was asked to down load an app called XXXX the person on the phone said they needed to verify it was me and proceeded to update my debit card as it was expired. Then they had me purchase a couple game card but said it would be refunded, they needed to verify it was me. long story as they proceed to have issues on refunding and had me try other ways to refund me the money with Venmo with the amount of XXXX to XXXX XXXX, son come into the room and realized I was being scammed and had me hang up the phone. We called Venmo to stop the transaction but they said they cant. I have tried to contact the person called XXXX XXXX but there is no account now on Venmo to get my money back. I went to my bank on XX/XX/23 and filed ' a complaint, my Credit union also filed a complaint with Internet Crime Complaint Center. I was able to get the money back from the game cards. I did not have the XXXX in my account and now I owe the bank XXXX for over drafts. I do have transcripts and emails from Venmo so I'm filing a complaint as I was scammed.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/23 I received a notification from, what I thought was Paypal, regarding a transaction on my account for a purchase that wasn't mine. I contacted the fictious company, and they hacked my phone and was able to get into my Venmo account and PayPal account. I reported this to my bank and they were able to stop the transactions for both. Venmo dismissed the balance but PayPal wants me to pay the balance. Please help. Thank you.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I'm filing this complaint against PayPal for unresolved and outstanding issues regarding Fraudulent activity made on my PayPal account. I was disputing a fraudulent seller ( XXXX ) on PayPal whom withdrew funds using PayPal and provided no goods or services. I ordered a {$55.00} electric shaving razor my PayPal account was drawn for the transaction and I received no product and/or shipment or service. I reached out to the seller to no avail. My emails were ignored and the contact phone numbers were disconnected. I sent a series of emails to PayPal to dispute the seller as fraudulent. And was told that because I filed a dispute with the credit/debit card XXXX Bank that I would be required to work with that credit entity solely until the dispute is resolved. Because PayPal provided guaranteed payment protection and refunds due to fraud... I contacted requesting that the cancellation of the initial claim with XXXX ( as communicated through PayPal ) shall not proceed. However upon contacting PayPal regarding the issue and escalating the issue with the XXXX XXXX XXXX. PayPal determined 'falsely ' that the XXXX Bank dispute was still pending an outcome which is not true. The XXXX Bank claim is resolved and the PayPal dispute and claim should proceed as requested. PayPal provided a 'false narrative ' and did not correctly address the issue and/or read correctly the information submitted to them. Again I provided the disposition of the claim made through XXXX Bank to PayPal. I'm requesting as I requested earlier Payment protection due to fraud. And a refund of the payment made through PayPal of {$55.00}... PayPal would not take responsibility. -A total lack of resolve on the part of PayPal XXXX Total ignorance and lack thereof of responsibility. The complaint written to the XXXX XXXX XXXX was beyond warranted and the matter was/is still 'unresolved ' ... PayPal should have addressed these issues as they occured. This is not customer ( support ) service at all. What it is is bad/poor customer support ( if you can call it that at all ) ... services that are inadequate for anyone 's use. PayPal is solely responsible for the Fraudulent illegal activity ... and instead of resolving the issue ( s ) is protecting the use of Fraud and Fraudulent activities... This is illegal! And is 'Against the Law '. ( PayPal loses over XXXX XXXX XXXX dollars every year to Fraud ) On XX/XX/XXXX I received a notice via PayPal that read the following ... " Please contact your financial institution ... '' -You will need to contact your financial institution or credit card company directly for additional information and final resolution regarding the disputed transaction. If you want to cancel that claim you will also need to contact your financial institution directly ( clicking Cancel case in the PayPal Resolution Center won't cancel the claim with your financial institution ). This implies that Paypal can not continue until the claim is cancelled. Why would they ( Paypal ) be providing me the above statement...? The claim with XXXX Bank was never processed there was no dispute or claim. PayPal claims they can not continue or decide this case ... because a claim was processed with another institution. This is 'not ' true! No claim was ever processed. On XX/XX/XXXX I contacted PayPal with the following ... 'Im in the process of cancelling the claim with XXXX Bank XXXX Please provide re-assurance that once completed I'll have refund protection through PayPal. I want to check to make sure... Thanks for all you do. ' I did not receive an immediate response so I contacted again the following day XX/XX/XXXX.... Please provide the information I'm requesting. If I cancel my claim with XXXX Bank... may I continue with my disputed claim filed through PayPal? Or may I have to re-file? Please respond with the information I'm requesting as this is a time sensitive matter. Paypal ignored and/or refused to respond to the above letters. They provided no acknowledgement and no reason for there failure. I contacted again on XXXX... Please continue with the case filed against XXXX... The dispute filed with XXXX XXXX Bank has been dis-continued. Therefore, there is no longer a conflict of interest. Again please continue with my initial complaint filed against XXXX. Again the letter was ignored and not responded to. I received 'zero ' communication not one letter of acknowledgement to the above three letters. I did not receive a response from PayPal until I filed a complaint with the XXXX XXXX XXXX. No response was received by the XXXX XXXX XXXX till after XX/XX/XXXX ...? I wrote ... 'All information sent and received by the Bureau is open to public scrutiny ... And released as Public Information '. I advise that you respond to Complaint # XXXX in kind with the XXXX XXXX XXXX. They were a 'Failure to Respond '. It's obvious to me that something is seriously wrong with PayPal. Why did they refuse to respond? And why did it take them so long to respond? - '' This is a time sensitive matter. " -? Again PayPal claims they can not continue with the case because a claim has been processed by another institution. No claim was ever processed. You can verify this information by contacting XXXX Bank -no claim was ever processed. PayPal is a failure for providing inadequate customer service and implicit in protecting the use of fraud and fraudulent activities- PayPal 's failure to communicate is the direct result for/of these issues. PayPal needs to take responsibility. And acknowledge there wrongs. I am owed a refund on my PayPal account due to fraudulent activity. Sincerely, XXXX XXXX XXXX XXXX enclosure
Company Response:
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A