Date Received: 2023-03-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a {$6000.00} payment to the wrong person on Paypal who had the same name as the person that I was trying to pay. Although she was a friend, I didn't think that anyone would have the same name as her because her last name is uncommon. So I sent the money to a different person by accident. Her name was XXXX XXXX. I sent the money to that person. The person I sent it to has the same exact name. However when I spoke to my friend, she told me that she uses XXXX XXXX . So, same name, but with XXXX added. Paypal refuses to intentionally not help me to get the payment back. Just because I authorized the payment doesn't meant that it went to the right person. It wasn't the right person and mistakes do happen. If Paypal chooses to do business this way when an honest mistake is made, and they don't wan na help, then they shouldn't be in business then. Paypal made the decision that since I authorized the payment that there was nothing they could do. In the past, when you could prove that you made a mistake, they would investigate and reverse the situation for a refund and make sure that it got to the right person. But ever since Paypal was bought out from under XXXX XXXX, Paypal has been a pain to deal with. Not only is Paypal unfair, they have been extremely unethical to deal with. I'm truly disappointed that they are refusing to reverse this and help the {$6000.00} to get to the right person when I had no intention of sending a payment like that to the wrong person. So now I am out of {$12000.00} at the moment because I still had to pay the right XXXX XXXX ( with XXXX ) the money still. I don't have that type of money to give away to anyone. I'm contacting my credit union today. This is ridiculous!
Company Response:
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD?
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received mail from USPS from XXXX XXXX XXXX XXXX about the following : Creditor : PayPal , Inc . Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. I have reached out to Paypal directly and they do not have any account number listed presently or in the past. I currently have an account with Paypal and it is in good standing.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a fraud complaint against PayPal Inc. PayPal INC. is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Ph. ( XXXX ) XXXX & ( XXXX ) XXXX Defendant has a money transmitter license in Washington State that is current and renewed through XXXX. PayPal INC. is subject to regulation by the Washington Department of Financial Institutions. ( XXXX ) On XX/XX/XXXX, while checking my PayPal account, I found an unauthorized charge in the amount of {$9.00} dated XXXX the XXXX, XXXX. I checked my bank account and found that the bank completed the transaction on the XXXX of XX/XX/XXXX ( Exhibit # 1 Page 2 ). ( XXXX ) I then filed an unauthorized charge claim with PayPal ; at XXXX XXXX, XX/XX/XXXX, I received a fraudulent email from PayPal ( Exhibit 1 Page 3 ) acknowledging receipt of a claim with a transaction ID that is different from the transaction ID in the XX/XX/XXXX authorization : Exhibit # 1 Page 3 represents acknowledgement of a claim with transaction ID # XXXX and Exhibit 1 Page 8 represents the fraudulent authorization with transaction ID # XXXX ; both transaction IDs are for the same {$9.00} unauthorized charge that the Bank completed on XX/XX/XXXX. The email is fraudulent because the transaction ID number in the claim acknowledgement email is different from the transaction ID in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. ( XXXX ) One minute after receiving the fraudulent claim acknowledgement email in exhibit 1 page 3, I received another email from PayPal forcing me to change my password ( Exhibit 1 Page 4 ). ( XXXX ) At XXXX XXXX, XX/XX/XXXX, only four hours after sending the confirmation of their receipt of the unauthorized charge claim in exhibit 1 page 3, PayPal sent me another fraudulent email saying they denied the unauthorized charge claim ( Exhibit 1 Page 5 ). Both emails are fraudulent because the transaction ID number in the claim acknowledgement email in Exhibit 1 Page 3 and the denial of same in Exhibit 1 Page 5 are for a transaction ID ( # XXXX ) that is different from the transaction ID ( # XXXX ) in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. ( XXXX ) At XXXX XXXX, XX/XX/XXXX, PayPal sent me another fraudulent email including a fraudulent XXXX tracking claiming that XXXX shipped me something ( Exhibit 1 Page 6 ) ; this is fraudulent because I didnt buy anything from XXXX and I wasnt expecting any shipments from XXXX XXXX The email contained a fraudulent tracking number which, according to XXXX website, doesnt exist ( Exhibit 1 Page 7 ). The email is also fraudulent because I didnt purchase any merchandise from XXXX or any other seller for that dollar amount on XX/XX/XXXX. There are two more fraudulent features about this email : ( i ) Its title says more information about your shipment when there was never any email sent before it about any shipments corresponding to this unauthorized charge ( ii ) in legitimate purchases, it is the seller not PAYPAL that sends customers the tracking number but in that case PAYPAL took it upon itself to provide the tracking information without any communication from any seller prior to that about purchase or shipment related to the XX/XX/XXXX unauthorized charge. ( XXXX ) When I checked the XXXX tracking that PayPal provided in XXXX parcels and packages, I get a message saying that the tracking number is not found ( Exhibit 1 Page 7 ). ( XXXX ) I never received any shipments from XXXX or PayPal with this very strange tracking. I didnt order anything from XXXX or anybody for {$9.00} on that date nor did I authorize this payment. Neither PayPal nor any seller sent any information about a purchase for that amount on XX/XX/XXXX. PayPal never mentioned anywhere in its multiple fraudulent emails what the merchandise is. ( XXXX ) I searched my email for any communication about a transaction dated XX/XX/XXXX ; I found no communications from XXXX about any purchase on XX/XX/XXXX. I didnt buy anything from anybody on XX/XX/XXXX, XXXX the amount of {$9.00} and I didnt authorize a {$9.00} payment to anybody on XX/XX/XXXX. I found a fraudulent authorization email from PayPal that doesnt have a corresponding purchase notification form XXXX or any other seller ; the fraudulent XXXX of XX/XX/XXXX email from PAYPAL just says that a payment was authorized ; in it, PAYPAL doesnt mention the reason for or the amount of the authorization ( Exhibit XXXX Page XXXX ). ( XXXX ) When you compare Exhibit 1 Page 2 which represents what the charge looked like in my bank account to the authorization sent to me ( Exhibit 1 Page 8 ) about the same charge on XX/XX/XXXX, you see that the information that PAYPAL gave the Bank regarding the XXXX of XX/XX/XXXX charge is very different from what they emailed me on XX/XX/XXXX, XXXX the authorization ; the authorization email sent to me doesnt indicate the mount of or the reason for the authorization and doesnt mention any merchandise ; however, the charge to the bank indicated a specific amount and mentioned a merchandise. ( XXXX ) None of the fraudulent emails that PayPal sent me ( Exhibit 1 Pages 3,5, 6 & 8 & 11 ) say what the merchandise is. ( XXXX ) The transaction ID, # XXXX, in the XX/XX/XXXX XXXXauthorization email from PayPal ( Exhibit # 1 Page 8 ) is different from the transaction ID, # XXXX, PayPal sent me in its acknowledgement of the claim contesting the same XXXX of XXXX unauthorized charge ( Exhibit 1Page 3 ). ( XXXX ) PayPal sent me another fraudulent email on XX/XX/XXXX, entitled Your PayPal case : XXXX case denied ; that email is fraudulent because ( i ) in it, they say that they denied a claim with an ID # XXXX ( Exhibit XXXX Page XXXX ) which, is different from the claim ID ( XXXX ) in the acknowledgement ( Exhibit XXXX Page XXXX ) ; ( ii ) they assigned the claim the ID # XXXX which is different from the one they assigned it when they denied it on XX/XX/XXXX ( # XXXX ) ; ( iii ) it is also fraudulent because the two claim numbers XXXX & XXXX were assigned to a transaction with ID with # XXXX which is not the transaction ID of the unauthorized charge that Plaintiff filed the unauthorized charge claim about ; the charge authorization that was sent to me on XX/XX/XXXX had transaction ID # XXXX ; ( iv ) it is also fraudulent because they assigned transaction ID # XXXX two claim IDs : One on XXXX of XX/XX/XXXX ( # XXXX ) and a different one on XX/XX/XXXX ( # XXXX ) even though no appeal could have been possibly undertaken because it was not an option on PayPal website; ( v ) it is also fraudulent because in Exhibit 1 Page 10 that is dated XX/XX/XXXX you can see that the case was already closed on the XXXX of XX/XX/XXXX.
Company Response:
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PayPal ( PP ) notified me via email I had a negative balance of {$5000.00} with no explanation. I attempted to get information via PP customer service chat and was denied any information. I called PayPal Credit ( PPCredit ) days later guessing they may have information. They could see the transaction amount, but saw nothing wrong. They forwarded me back to PP Investigations and Regulatory Dep saying they couldnt fix the issue and only PP could. PP Investigations told me I was refunded twice for a dispute. One by the merchant and one by PPCredit. He refused to assist me in having the account fixed property and instructed me to pay or contact PPCredit. He was rude, I lost my temper and asked for a manager. XXXX XXXX was similarly no help. She claimed there was no way to speak with PPCredit to mediate a better solution and claimed she didnt have a supervisor or anyone to escalate to issue to. I called PPCredit back and shared what I was told by PP. They explained to me after a review of my account and a conference with their manager that PP had made an error and needs to solve the issue with the merchant, not apply a negative balance and not restrict my account. Their position was that PP needs to follow the proper policies and not make it my fault. I called PP back and shared this information. The customer service agent said my dispute with the vendor was denied originally because the merchant sent a refund on their own on XXXX XXXX therefore PP had made a mistake issuing a second refund. I was forwarded to speak with PP Chargebacks department which unfortunately was Investigations again. I was run around in circles again by XXXX XXXX. I explained I was being unfairly bounced back and forth between PP and PPCredit and that they needed to contact each other and get on the same page to properly adjust my PPCredit account. She told me she was going to put me on a three way call with PPCredit, but it was a lie to attempt to get me to admit to something I was never denying in the first place and then began talking in circles again. I lost my temper regarding the lie. After requesting a manager I was hung up on. I later decided to give PP Credit another try. After explaining the entire situation again the account specialist reviewed my situation saw that there was an accounting mistake made and explained he was going to conference with an accounting department to fix the issue retrospectively to XX/XX/XXXX. When he returned he explained Accounting wouldnt help after all and suggested I initiate a dispute with PP online resolution center. So yet again I was being bounced around with no real results. I got him to admit he was an offshore third party contractor paid to be an account specialist for PP Credit and not an actual employee, but he could connect me to an onshore representative who actually works for PP Credit. I was transferred and spoke to a very unhelpful, rude representative. He transferred me to a supervisor as he was no assistance and stated the problem could only be addressed by PP. His manager claimed that she started a dispute to the back office team and it would take 1 to 2 billing cycles. She stated there was no one else I could escalate to and I ended the conversation. Every representative claimed they couldnt solve the problem and I needed to call the other company. Its clear together, these customer services are designed to only discourage customers and create and attritional response from the customer to force PPs agenda. My PayPal and PayPal Credit accounts have been restricted and PP keeps sending emails for debt collection. PayPal Credit needs to adjust the account retroactively at the time their error was made and reestablish my account as it should look and cancel their request to PP to aggressively collect. This isnt the first time funds have been inappropriately applied from the PP Credit to my PP account. Id like to be contacted by PP Corporate and or XXXX XXXX who owns PP Credit at this point, since customer service agents are unable to affect an appropriate outcome.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I signed up for a Venmo account because I needed to send my sister money! The transaction was denied every time! It states numerous places on Venmos website, on its app and a simple XXXX search, that you can use Venmo without having to verify your identity but have limitations on your account that verified members dont. I was sending {$100.00} it was nothing huge and it was denied! I reached out as to why and was rile to try again and then an email came saying my Venmo account was frozen because they needed to verify my identity. It states that a payment over {$300.00} a withdraw over {$1000.00} or to hold a balance in Venmo would require to when your id verified. I was sending {$100.00} and not meeting any of those thresholds so based off the information that they provide, I wouldnt need to do that. They asked for a copy of my license, i responded back that I didnt need to provide it, because no transaction I did or tried met the criteria! I attached the articles to the email and sent it and they wont even acknowledge it. This isnt the first time Venmo has been misleading with consumers
Company Response:
State: NV
Zip: 89503
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo has completely deactivated my account and refuses to give me a reason why or reopen my account. This has caused issues as it was my primary peer-to-peer application when paying friends or family. Recently I attempted to sign up again only to be told that my account was permanently deactivated for violating Venmo 's terms of service. However, Venmo was unable or unwilling to tell me which term I violated. I went through the terms of service with an attorney and I can verify that I have never violated any of the terms of service.
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: What happened was I received some direct deposits from the US government for my Covid 19 relief funds since my family was greatly affected by the pandemic. But immediately I received the money, PayPal limited my account. Telling me that Ive violated their terms. Since then I have tried to talk to them complain to them that this money is life changing and my family is going through crises and I need that money. They made things worse. They permanently limited the account telling me they can no longer support my account. I understood because I was told that I will receive an email in 180 days after in order to withdraw my money. I had patience and waited for 180 days and yes I received the email after that Covid hit me again I had to be quarantined it was only after I came back home I realized PayPal had sent me that email. So I logged back into the closed account to try to withdraw my money. I was never able to withdraw. I contacted them and the only thing PayPal could tell me was they will email me when its available for withdrawal I tried to explain to the customer support that hey look Ive already received that email and I still cant withdraw. They will just disregard my messages and at a point were not replying to my messages or calls. And now here I am still having over {$10000.00} in my account and I can not even withdraw the money from it.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Paypal permanently suspended my account by claiming that I violated their " terms of use. '' However, the terms of use are very clear, and I violated none of them. I was given a numerical code to use when calling in, but the employee who answered told me that the reason for my permanent suspension was " classified. '' At that moment, my end of the conversation was cut off, leaving the employee to ask, " Hello? Are you there? Hello? '' until he hung up. It is imperative Paypal clearly state all reasons -- including political -- for suspending accounts, leaving the owners in limbo, and damaging their financial reputation. My Paypal suspension apparently set off a chain reaction. Following in Paypal 's footsteps, XXXX XXXX and Venmo banned me. I had to confirm my identity in person to the IRS. No explanation given. Then my bank XXXX XXXX requested that I go in personally and confirm my identity. At XXXX XXXX, the branch manager told me off the record that the bank was " being pressured '' to drop me, but since I've been a customer for 40+ years, my accounts and credit card were safe. This all started with Paypal. If they are going to try and ruin users over politics, they need to admit it up front.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hi, since XX/XX/2023, I have been trying to move my Bitcoin holdings out of Paypal and they do not let me transfer it. I have contacted them several times through message center and several phone calls and still can not transfer out my Bitcoin out. They always lie and say, wait couple of weeks, wait couple of weeks. It has been about 3 months and still no resolve. They do not even try to help me with this issue. Please help, it is over {$8000.00} in Bitcoin that they hold without my consent!
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A