Date Received: 2023-04-03
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/XXXX, I discovered fraudulent charges on my XXXX XXXX XXXX XXXX card totaling {$1600.00}. I contacted the number on the back of the card, and they provided me with the forms I needed to dispute each of the charges. XX/XX/XXXX, the completed forms were emailed to the address provided. XX/XX/XXXX I requested a confirmation receipt that the forms had been received. In XXXX, I received a response that my claims were being denied because it was determined that I had approved of the transactions. XX/XX/XXXX email to XXXX, follow-up to a phone conversation in which he asked me to email a summary of the situation I have been seeking restitution regarding this since XX/XX/XXXX. My initial claims submitted were denied, stating that based on their review I authorized these transactions. I can assure you I DID NOT authorize ANY of the attached transactions totally {$1600.00} The letter also states that I have the right to request the documentation they relied on in making the decision to deny my claim. I have contacted the number they referenced in their letter to me, XXXX, on numerous occasions to no avail. XX/XX/XXXX reply from XXXX thanking me for the information. Told the documents have been sent to the bank for a review and to expect a delayed response due to the holiday season. XX/XX/XXXX reached out to XXXX via email to request any updates XX/XX/XXXX email response from XXXX, there has been no response on the banks end, he was escalated the matter to his superior. XX/XX/XXXX email from XXXX, the team members finally managed to get a hold with the bank, they are now reviewing the case. XX/XX/XXXX reached out via email to XXXX to request any updates XX/XX/XXXX reached out to the bank via chat, chatted with XXXX in customer support. XX/XX/XXXX XXXX send email summarizing our chat, he made a follow up to the dispute team in order for a final resolution to be issued in my case. He will be in touch once updates are received from the team. XX/XX/XXXX reached out via email to XXXX requested the status. Requested a name of a person that I could speak to. XX/XX/XXXX XXXX replied via email that there was not any new information on the result of my case, as the last note on the file says that we will need to abide by the disputes teams original decision of the dispute. Another follow up to the team was make. He suggested I attempt to make a police report regarding this matter. XX/XX/XXXX reached out to XXXX via email that police directed me to work with the issuing bank, which I have been attempting for 7 month. Once again requested to have the information on what basis they made the decision that I approved of these purchases as the letter I received stated I had the right to request this information. It has been requested repeatedly and never received. Once again, I requested the name and contact information of whom this matter has been elevated to. XX/XX/XXXX email from XXXX, once again suggesting a police report as he was still awaiting communication back from the bank.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo froze my account for no reason. I have {$3000.00} in my balance and I cant do anything with it. They asked for my ID, which I had already sent them. I resent the ID and now they refuse to answer me. This company refuses to unfreeze accounts.
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I have made a purchase with XXXX for a total of $ XXXX. The transaction moved from XXXX to Paypal to my credit card XXXX Canada. I canceled the purchase within 48 hours which meant I was meant to receive a 100 % of the money. I canceled directly with XXXX. I saw a charge reversal on my credit card except for an amount of $ XXXX so I discputed it with my credit card company. I received a refund and with that it should have been done. A few months later Paypal took money from my account for around {$600.00} CAD ( I no longer have access so I don't know the exact amount ), because they claimed that I received 2 refunds for that total amount. I continued by sending them proof of credit card details showing I never received more than a cancellation reversal. They haven't accepted it, and never showed me proof that they have sent money to my financial institute like they claimed. They not only took a paycheck from me, they also froze my account and sent the left over to collection which is hurting my credit score. I have sent them 2 proofs showing that I have never received more money. It has been almost a year and Paypal have never gave me support as a client, and have made it extremely difficult to escalate and find a solution. I would appreciate support on this. I know my accounts are Canadian, but Paypal is an American company, and I am not sure who else can help me with this. Thank you for any support you can provide.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried several times to resolve this and finally made a complaint to CFPB. Pay Pal called me and I spent another hour trying to resolve the issue. They told me that my account was verified after they were able to enter the TIN number, but they still couldn't release the funds on hold on their end. I still have almost XXXX of my funds " On hold ''. When I log into my account I get the same message that I still need to enter my TIN # and it still won't accept the number. NOTHING was resolved from my prior CFPB complaint.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Hello, I want to file a complaint against PayPal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have tried to reason with the company since XX/XX/2023 to XX/XX/2023 with no resolution. The Details : The company decided to permanently limit my account with no reason or explanation I use the account mainly to pay vendors ( i.e. XXXX, XXXX, XXXXXXXX XXXX, etc. ) I have never used their services to operate a business I have sent and received money for an occasion sale of a used/personal item or service on rare occasions as I have the last 19 years The company started to offer XXXX services as of XXXX, I invested some money to XXXX using their services. The Issue : Theres about {$1700.00} worth of cryptocurrency invested in my PayPal account that is locked up. I am unable to sell in an event that crypto starts to devalue ( due to volatility, especially in these times ). Moreover, based on research on various forums such as reddit, there is a likelihood that PayPal wont be returning my money after their excessive and abusive 180 day holding period on funds. Please, I would appreciate some assistance in this matter. I would like my funds to be returned to me as soon as possible. Their reasoning to hold funds is for chargebacks or issues with my buyers. This is entirely false because I do not operate a business or sell as mentioned above. The company has refused to acknowledge this. Examples of others going through the same : https : XXXX https : XXXX https : XXXX Screenshot of my PayPal Account XXXX : https : XXXX Youll see I merely use their services to pay vendors. I do not sell. I would like some assistance in this matter. It is very frustrating to realize my money is potentially lost, and I am still in disbelief this is coming from a legitimate company. Had I known PayPal to be unfair, unprofessional, and inconsiderate, I would have not invested crypto with them to begin with.
Company Response:
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My account email address is XXXX. Firstly, I would like to express my deep concern regarding this limitation as I have not violated any PayPal policy. I have always complied with the terms and conditions of PayPal and have never been involved in any fraudulent activities or violated any policies. I am confident that this limitation has been placed on my account as a mistake. I strongly believe that my account has been mistakenly flagged for a violation, and I would like to request PayPal to re-investigate my case. I am willing to provide any necessary information and documentation to support my appeal. I would appreciate it if PayPal could restore my account as soon as possible, as this has caused me significant inconvenience and financial hardship. I understand that PayPal has a responsibility to protect its users and prevent any fraudulent activities, but I assure you that my account has always been used for legitimate transactions. In conclusion, I respectfully request that PayPal review my case and consider reinstating my account. Thank you for your time and attention to this matter.
Company Response:
State: OR
Zip: 97321
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Reference ID : XXXX Since XX/XX/2023 my account was frozen with message " Your account access is temporarily limited ''. I have tried to contact PayPal customer service many times and I they don't provide any information about why my account is frozen. I have also never received any emails related to the case and emails that I was promised by PayPal customer service, with explanation why PayPal is holding funds.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Venmo apparently suspended my account the same hour i opened it. I was also never sent an email informing me that my account was suspended i had only found out because i tried to transfer money to my bank i have literally one transaction ( THE ONLY TRANSACTION ) and it was from my neighbor i contacted venmo but they said that my situation should be handled by a " account specialist '' but i have NOT been contacted and my money is sitting here and i have bills to pay. Please XXXX XXXX XXXX XXXX XXXX look into this company.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX, {$460.00} was fraudulently transferred out of my checking account by Venmo. The unauthorized transfer was to a vendor I hadn't used in over a year. After reporting the incident to Venmo, they froze my account, which prevented the vendor from sending the funds back to me. Although Venmo recovered the funds from the vendor, they have kept my account in a suspended/frozen status, and they will not permit me to transfer the funds back to my checking account. I've contacted them several times by e-mail and phone. They are insisting I send a photo of a Govt ID and a " selfie ''. I have told them I will not provide them with additional personally identifying information as their platform is obviously not secure. This type of information can facilitate additional fraudulent activity. I want them to unfreeze my account so that I can transfer my funds back to my checking account and permanently close this Venmo account.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/23 my Hyperwallet was hacked into. I wasn't able to check email until XXXX but I got an email at XXXX that there was a new login and at XXXX I got two emails, one was a transfer request confirmation for {$6200.00} and the second email was also at XXXX and was to Track my payment " Your {$6200.00} USD payment has been processed and is on its way to your debit card ( XXXX '' This is NOT my debit card number. I did not authorize anyone to access my account. I saw the emails when i logged into my email account at XXXX and immediately called XXXX ( the company that i am an independent XXXX with and that pays my monthly commission via XXXX/Hyperwallet XXXX XXXX support told me to contact Hyperwallet and the only way to do it is via chat/email. I emailed Hyperwallet and started an email chain that went on for a couple of days w/ XXXX from customer support After looking into the issue, she said they tried to get the money back but couldn't and that there was nothing else they could do to get my SIX THOUSAND + dollars back. They said someone got into my account and changed the payment to their own debit card and took all of my money out. I have since contacted PayPal ( owns Hyperwallet ) and they said there is nothing they can do. I also reported this to my local police dept ( XXXX XXXX PD ), the FBI 's IC3 dept, and need to contact the XXXX XXXX XXXX as well.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A