Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had a paypal account for multiple years, using their debit card option for the same amount of time. Using mostly for things like online shopping, convenience stores, gas, etc. I make the same type of purchases at the same places religiously. I've never had problems with my account, so I decided to have my financial aid for school deposited into the account. I'm just a student, I don't work, so this aid would be my means of living for the next few months. The financial aid was deposited on XX/XX/2023. I made a few of my usual transactions, nothing out of the ordinary, then after trying to make a transaction I was shocked to see it declined. This was not more than 2 days later, on XX/XX/2023. Quickly realizing my account was marked " limited '' I immediately called customer service to try and sort this out. Customer service tells me not to worry, it will get handled swiftly, and tells me she doesn't even know why it was limited but tells me it will be handled asap. The customer service agent then tells me I can still use my card at the store, and I confirm what I'm hearing is correct 3 times with her, and each time she insists that I can use it. I test her claims at the gas station just to be declined at the pump. I decide to give it two days, as the notice on my limitation tells me I will hear from them about this limitation on my account within 2 days. But, I did not hear back. XX/XX/2023 XXXX message paypal support through their message support feature. The agent tells me it is limited because of a transaction. Which transaction, she doesn't know. I tell her I can supply her with any information they could possibly need for me to confirm my identity and confirm I made any transaction. I offered my updated drivers license I offered proof of address I offered standing in front of my ID to confirm its me sending it. She says they don't need any information from me and gives me the usual script of not to worry. XX/XX/2023, I message again and again they tell me to " give it a couple more days it's just a matter of time ''. I am basically begging them to let me confirm my identity or if theres a transaction in question let me prove whatever it is they need to give me access to my funds. Still, the answer is no. It's now XX/XX/XXXX. I can't transfer my funds, I can't close my account, I can't use any of my money to buy textbooks I need for class which will result in me having to drop my classes and ruin an entire semesters worth of time. I can't buy groceries, gas, fix my car which just broke down, paying my school registration fees, virtual products I need for my classes, nothing.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Hello Consumer Financial Protection Bureau, my PayPal account balance of XXXX can not be linked to the bank to withdraw cash. I have contacted PayPal customer service representatives many times, and the problem has not been resolved. Please help me, thank you
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: i am delivery man who takes orders and deliver them with payment on my paypal and other account app i got this charge back from a women who made a payment for her fiancee and now they all trying to steal back from me which paypal had to put my account on overdraft and took away some of my money saying i cant use paypal anymore why cant they confirm payment before ever sending and why would they charge back please i need my paypal accout restored and money back thank you.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will see from the attached screenshot at XXXX XXXX EST ( XXXX Central Time ), they have deactivated live chat, though they falsely claim that it is still available.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Good day, can you please help me regarding my problem? when I open my email address i received a message from paypal saying that XXXX XXXX Jumpstart your business with PayPal Let 's grow your business together Welcome to PayPal! We're excited to help you start accepting payments with your new PayPal business account. Just click the button below to complete the last few steps to set up your account Prior to receiving that email on XX/XX/2023, at XXXX XXXX, PayPal had placed my customer 's funds on hold. However, when I checked my PayPal account, I saw that PayPal had released the payments from my client and was prepared to withdraw them. later after XXXX ago i just received a message from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' XXXX believed this to be a system error. I have a solid selling history and XXXX disputes because I completed all of my selling deals. My Paypal account is properly verified and has no open cases. I use it for commercial purposes so that customers can pay me via my website 's Paypal check out. When I called customer service about my issue, they claimed that my account and those of others had been automatically banned by a system. Help us to fix this problem, please.Also, could you kindly review and recover my account so I can continue to use it for business.To assist me in resolving this issue, I am prepared to give all necessary paperwork, including images of my financial transactions and the website where funds originated.Please lend a hand, as My Paypal account was absolutely necessary. Hopefully, I can rely on you for this. Thank You so much.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Good day, Could you kindly assist me with my PayPal account? I regularly use my PayPal account to offer XXXX XXXX XXXX XXXX XXXX. I accept payments from clients using the PayPal checkout button on my website, which is connected to my PayPal. I also withdraw money from my account once per day once the transaction is over. I just got a notice from Paypal when I opened my email address, indicating " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .I assumed that this was a system error. As a result of finishing all of my XXXX XXXX, I have a strong selling history and no issues. There are no pending cases on my verified PayPal account. I use it for business purposes so that clients can pay me using the PayPal checkout on my website. When I called customer service about my problem, they said that a system had automatically blocked my account and those of others. Please assist us in resolving this issue. In addition, would you kindly review and restore my account so that I may continue to use it for business? I am prepared to provide all necessary documentation, including screenshots of my financial transactions and the website where the funds originated. Please lend a hand as My Paypal account was crucial. I'm hoping I can count on you for this. I really appreciate it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: happy day Please could you help me with my PayPal account? I frequently XXXX XXXX XXXX XXXX XXXX XXXX through my PayPal account. Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. I also make a daily withdrawal from my account after the transaction. When I opened my inbox, I just received a notification from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .This was a system error, I thought. I've completed every selling deal I've started, so I have a good track record and no problems. In relation to my verified PayPal account, there are no open cases. I utilize it professionally so that customers can pay me through the PayPal checkout on my website. Customer care informed me that a system had automatically blocked my account and those of others when I called with my issue. Please help us to solve this problem. Please examine and restore my account as well so that I can continue to use it for business. I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. Help would be appreciated as My Paypal account was essential. Hopefully, I can rely on you for this. I'm incredibly grateful for it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I contacted PayPal to disable the feature that lets you log into your account with just a text code & they refused. I said what happens if I lose my phone, someone can get into the phone by say an easy password, no password or weak phone security. They said you need to call us. I said, no, just disable that feature & allow for use of a password only. They said they could/would not change this for me. I believe they are operating in a very dangerous manner, exposing millions of users to potential theft this way. My account was connected to multiple bank accounts & a credit card.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: A customer made a payment on XXXX. The payment was received. It was a contractually obligated payment for rent and deposit. XXXX the tenant disputed the charges. I called and the tenant claimed they didn't dispute the charges. The money was removed from my account and given to the tenant with no authorization from account holder. I messaged and called Venmo and they said it's already done. They do not have that authority to steal money from my account to give to someone. This is fraud. They won't resolve it. So now I'm here asking for consumer protection.
Company Response:
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XXXX XXXX XXXX my account was permanently limited by Paypal, the reason given was " due to potential risk. '' XX/XX/XXXX at XXXX, I sent a message through Paypal 's official XXXX page. After going through the automated chat system, the XXXX XXXX stated, " I've placed your message into the queue and an agent will respond back as soon as possible! '' Never heard a response from an agent, as of XX/XX/2023. XXXX XXXX XXXX XXXX, I XXXX and sent a direct message to XXXX XXXXPayPal 's XXXX account. I was able to chat with an agent, given the initials XXXX, but when I asked why my account was permanently limited, I was just told to refer to my original notification that it was permanently limited " due to potential risk. '' I was not told what the potential risk was and that the permanent limitation was something they " would be unable to change, '' and I would be able to withdraw my account funds after 180 days.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A