Date Received: 2023-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I sent my roommate rent on Venmo for {$1400.00}. Unfortunately, I was scammed trying to sell a bedframe and later that day I requested to have the {$1400.00} sent back to me until I had the funds since my account went to the negatives. My roommate sent XXXX payments back to me, on XX/XX/XXXX for {$250.00}, and on XX/XX/XXXX for {$1200.00} totaling the {$1400.00}. On XX/XX/XXXX, I sent my roommate back {$1000.00} to cover rent and I ended up paying the other {$400.00} in cash to him. Venmo is saying I owe them {$1400.00} since they covered the {$1400.00} sent to my roommate on the XXXX when my account did not have the funds. However, my roommate did not keep the money he sent the {$1400.00} back. On the XXXX when I sent the {$1000.00} venmo acknowledged I had the funds and it was debited from my account. Therefore, if the {$1000.00} that I paid for rent was taken from my account, why would I suddenly owe an additional {$1400.00} for rent again and not just {$400.00} if anything? Since the {$1000.00} Should have and would have been applied to the original {$1400.00} I sent. I understand the funds were sent from venmo when I did not have the sufficient funds. However, the money was sent back to my account and they debited it before I had it. I pay {$1400.00} for rent, they debited {$1000.00} for that month for my rent and acknowledged it went through. I can not afford to pay the equivalent of 2 months rent because Venmo thinks I owe them {$1400.00}. Therefore, to summarize : {$1400.00} was sent to my roommate, and that same day that same {$1400.00} was sent back meaning my roommate that day received {$0.00}. Venmo claims they sent my roommate the {$1400.00} and that I must pay them back because he has it. 5 days later, {$1000.00} was sent back to my roommate to cover rent, why not take that {$1000.00} as part of the debt they claim I have? By venmo asking for a payment of {$1400.00} that would literally be stealing my money as {$1000.00} was already sent back and covered. However, I do not owe them anything BECAUSE MY ROOMATE SENT IT BACK THAT SAME DAY MEANING HE NEVER HAD THEIR {$1400.00} THEY CLAIM TO HAVE. Please help I am desperate at this point as I can not afford to pay a debt that I DO NOT OWE.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I transferred {$2500.00} to my Paypal account on XX/XX/07. On the same day, I attempted to transfer it. PayPal instantly put the transfer on hold and asked for my picture and driver 's license number and myself. After waiting 24 hours to the minute the transfer was then denied. I attempted to transfer out again and all funds were placed on hold and they won't give me access to any of the money in my Paypal account.
Company Response:
State: WI
Zip: 538XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have {$50.00} in my venmo account, they blocked my account and scammed my money.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX 2023, i uploaded the required documents to add a bank account to transfer money in Venmo to my bank via chatting with XXXX XXXX ( a Venmo chat representative ). On XXXX 2023, Venmo email me that my account is suspended. I replied to that email and did what the email said and Venmo did not respond at all by email or call. On XXXX, I decided I wait enough already and chat with Venmo rep and no help provided to solve the suspended account. I asked for a reason why my account is suspended and no reason provided. I called, email, chat and no help from venmo to solve this accound suspended. I can not close account either. I need help transfer the {$30.00} out of the Venmo account to my bank or Venmo can send me a {$30.00} check. This is a simple problem that can be solve quickly. thank XXXX XXXX phone XXXX email XXXX XXXX
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My name is XXXX XXXX I am a PayPal customer with email address XXXX PayPal limited my account and asked for ID, bank statement and proof of address which I submitted with case Reference ID : XXXX But they have not reinstated my account. I need this to be resolved
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was in XXXX XXXX, LA from XX/XX/23 to XX/XX/23. On XX/XX/23, I was robbed of my cell phone, and I had no access to the phone this entire day. During this time, the user was able to log into my Cell Phone, and use my Venmo to send XXXX separate transactions, XXXX for {$1900.00} to a XXXX XXXX, and another for {$850.00} to a XXXX XXXX. Since I was not in possession of my phone at this time, I did not authorize either of these transactions to occur. I discovered these transactions on XXXX, when I went to buy another phone to find that these fraudulent transactions had taken place while the stolen phone was in another person 's possession. I have spoken to Venmo Customer Support to understand what happened, and I was told that both of these transactions were disputed, resulting the {$1900.00} dispute being closed, and the other {$850.00} dispute being ongoing in investigation. I was instructed by Venmo to follow up with the Dispute email to explain my situation and what had happened. Venmo is claiming that I owe {$1800.00} back to them as a result of the {$1900.00} fraudulent charge, with the {$850.00} charge still pending. I have never used Venmo to send someone more than {$500.00} in my entire time of using Venmo. Additionally, whomever did rob me of my cell phone also was somehow able to use XXXX XXXX to send out XXXX different fraudulent transactions from my XXXX XXXX debit card that was stored in the XXXX XXXX, each for less than {$250.00}. I have submitted a fraudulent claim with XXXX XXXX and I am awaiting their response on this matter. I do not expect Venmo to refund these charges, for historically Venmo customer service does not side with users who experience fraudulence like this. I have had XXXX XXXX place a freeze/hold on any collections that come from Venmo in XXXX future. I do not {$1800.00} to cover this fraudulent charge, even if I wanted to pay this off regardless of the Venmo Dispute outcome.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Over XXXX XXXX dollars was transfered out of my Venmo account in XX/XX/2022 by someone claiming they were me. VENMO never took any action to save guard my account. Just over XXXX in instant transfer and around XXXX in standard transfer was taken. The XXXX instant transfer was returned to my Venmo Balance but is still locked. I can not transfer to my XXXX account which has always been linked. The remaining XXXX standard transfer remains unaccounted for and last time I spoke with Venmo customer service back in XX/XX/2022 and recently this year, they said they were working on it. They told me to email them at XXXX which I have done numerous times. They have never responded. Venmo is acting very irresponsible and I believe this may be an inside job
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear XXXX XXXX, In reference to Consumer Financial Protection Bureau Complaint No : XXXX, I hereby respond as follows : I hope this email finds you well. I am writing to inform you that PayPal Risk has completed their unauthorized review under the assumption of stolen identity, and I have received the outcome of the case. I am pleased to inform you that the case has been decided in my favor. As I have been proven innocent, I would like to kindly request that my PayPal account be fully restored, including the balance that was taken as a second recovery. I assure you that I will now be using my PayPal account from my true location and will not be using any anonymizing proxy service. I am currently in the jurisdiction of the XXXX XXXX, and as such, I am accessing my PayPal account from the corresponding jurisdiction. I am also open to providing my passport for verification purposes. Additionally, I would like to inform you that any previous documents received under my PayPal account ( s ) were unauthorized, and I was not the one who submitted them. For your reference, I have attached my valid driver 's license with this complaint. I have also email you on the email provided but I am yet to receive a response, therefore I am making this complaint. I appreciate your prompt attention to this matter and your help in restoring my PayPal account. If you require any further information or documentation from me, please do not hesitate to ask. Thank you for your assistance. Best regards, XXXX XXXX
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/2023, XXXX XXXX sent me a Venmo in the amount of XXXX. I tried to instant transfer it to my bank in order to pay rent. Instant transfer was declined for some reason but standard transfer was available with a date of XX/XX/2023 given as the date to transfer to my bank by 2 different agents. Neither agent could tell me why the amount was on hold. I called on Monday and was told the same thing. I called today and was advised an additional 5 days may be needed before the funds would be released. This was never disclosed previously. Transcripts of all conversations were provided to me. XXXX XXXX Venmos me all the time as she is my rep payee for my XXXX funds. These are federal funds. Theyve never been held before and no reason was given as to why now. This is adverse action against me as a Medicare recipient. Additionally, Im incurring XXXX in late fees for being late with rent because of Venmo. I was told I could not escalate and no one knew who regulated Venmo. Id like the policy to be clearer, reasons for holding xfer past the 3 day window to be provided and any fees to transfer these funds be waived. The escalation policy should also be reviewed. My bank is XXXX XXXX. XXXX XXXX is XXXX XXXX and my name is on that account as well. Im being adversely affected. Funds couldve easily been verified. Please respond asap. Id also like a letter be sent to my rental company regarding this issue and for Venmo to refund any fees I incur for being late on rent. Thank you.
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: PayPal ( PP ) -ignores my chosen preferred pymt methodXXXX. Chooses their own methods w/out telling me/allowing me option to confirm=approve/deny. PP has charged my bank acct W {$0.00} bal= NSF fees, time/troubles. XXXX chosen & set as preferred pymt method ; PP ignored. PP recently incorrectly charged my credit line ; XXXX ignored. PP refusing to remove XXXX. PREVIOUS to approved XXXX, I deleted XXXX from my PP acct & demanded many times for PP do the same ; they have refused. They made false statements that card is same as XXXX ; its not= or charges would be going thru all ok to XXXX. Last purchase, PP incorrectly applied to credit line. That order had many items that I had to cancel & reorder, entering XXXX manually=I lost 1 % cashback & much time. Currently Im suffering negative effects from rent pymt tried making on 3rd, due 1st ; pymt Ive repeatedly made to son- same last name- in PP for a long time now, in addition to numerous other transactions between us. PPs decision was to deny pymt the first few attempts, claiming a security risk situation. Eventually allowed the pymt but failed to inform me it would be as a check ; never allowed me option to approve/deny. Check still being processed= very late= troubles for both me & son ; situation I could have just gone to bank on 3rd & got cash for son, if I had known what PP decided to do on their own beforehand! PP sent me reply : PP says they base the selection of final PP chosen funding source mostly on a predictive model based program called smart hierarchy where the pymt funding source defaults to one that is based on previous funding option behavior ; therefore PP says they can't provide a customer with knowledge of a definitive final pymt method. VERY WRONG of PayPal to be SO ARROGANT about MY paypal acct, pymts & money. Where my purchases are charged to should be ONLY MY choice, not PayPals decision or ability to change w/out notifying me first & receiving my approval or denial! How can such a huge " business entity '' be so customer unfriendly? PayPal is one of the worst ever companies that provide any form of intelligent informed or easily accessed customer service! Their computerized phone system makes it pretty much impossible to get anyone to help. The customer service employees reply with answers that are pretty much as inaccurate as the computerized phone and online help assistant. I have fought unsuccessfully with PayPal for about a month and still my problems were never fixed, never correctly or intelligently addressed, always blamed to be something other than PayPals glitch, which it is ; Paypal ignored my preferred payment choices and choose their own without informing me or allowing me to approve or deny. They have cost me endless amount of time, anger, stress and financial loses in various transactions. Without my permission they have sent a charge to my {$0.00} balance bank account. I have a late rent payment out there floating around with extra late fees now because they did not allow a usual and often long time performed transfer of funds this month saying what I was requesting was a security risk which I fought unsuccessfully. I was to my son with the same last name even. They ended up doing the pymt as a check after a few denials but never told me they were doing a check, never gave me the option to cancel and deny and if they did I could have gotten the cash and paid it right away! They won't remove a very old mastercard from my acct. They won't link & allow me to use a new mastercard which I've set as my preferred pymt method. They ignore it an choose on their own without notification a different way to charge my purchases. I'm losing 1 % cashback due to their errors & I can't get it fixed with them. Their wallet and my wallet are two different things ; they should be the same. I say my issues are A-B-C : they ignore those issues and give me answers D-E-F! They are awful! Use other payment sources! Venmo or XXXX? NOT PAYPAL! I HAVE BEEN FIGHTING UNSUCCESSFULLY WITH PAYPAL FOR ABOUT A MONTH NONSTOP AND I AM TIRED OF FIGHTING THEM AND GETTING NO WHERE WITH NO RESULTS OR INTELLIGENT HELP
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A