Date Received: 2023-01-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Started XX/XX/2022 I bought one game for my son then they continued to take up to XXXX plus from my venmo which in turn moved over to my checking account causing me to over draw and get checks returned making me up to almost XXXX in the negative I have disputed everything with venmo they stated once all the disputes were done they would take care of what my bank fees and amounts were I called my bank asked to put a hold on my account was told that it wasnt possible to do venmo still has not resolved the issue after turning my documents in 2 times regulation e I should be covered on both parties please help
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
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 am filing this complaint against PayPal and XXXX XXXX XXXX for not resolving going after a merchant that agreed to and said they would refund me {$39.00} charged by XXXX XXXX on XXXX XXXX, 2022. Here is what happened, in XXXX, I was looking for online resume services and came across one that had a {$1.00} loo-see trial period. It was set-up like most of these trail offers with what I call ambush business plan where the customer has to make the effort to cancel the account after the trial period - otherwise they automatically charged the following month subscription fee. I tried charging the {$1.00} to my XXXX XXXX XXXX debt card several times and the website kept denying saying I didn't have the funds available in my checking account ( untrue ) at the website suggestion, that if I had a Paypal account that I try charging threw that. Well I did have a PayPal account but I had no cash just sitting as a balance, rather I had it linked to - guess what my XXXX XXXX XXXX debit card, AND, miraculously even though it was using the exact same debit card- the charge went through. I checked out the service, didn't like and cancelled it. So I thought, but because I that debit card still linked in my PayPal account, when the resume company charged through PayPal but linked to and the money withdrawn immediately from my XXXX XXXX checking account- I realized that the resume company was trying to pull a fast one. I contacted PayPal and through them I had direct access to the merchant and sent them a cease and desist email saying I had cancelled during the trial period- and that they needed to close my account and refund that first month subscription charge of {$39.00}. I sent several emails, and when I heard nothing back from the merchant. I opened a charge-back dispute through PayPal. Shortly after initiating XXXX with PayPal, I heard from the merchant and they said they had cancelled the Subscription and would refund the {$39.00} BUT, because I had started a charge back through PayPal, I would need to cancel that first and supply proof that I had closed out dispute with PayPal and send them this cancellation. When I was doing as asked, PayPal had a warning alert issued at my request to cancel or close out my charge-back dispute, that in doing so, would NOT be able to revisit this and dispute again. I thought that was probably not true legally but given that the vendor had communicated these instructions with the message center in PayPal- it was ( and still is ) there for all to see ; 1. that they would issue back my {$39.00} 2. that they had told me to expedite refund to cancel dispute with PayPal. So I immediately sent the cancellation proof to the merchant and asked them to expedite refund as promised if I supplied proof of this. That was three months ago, and they never answered me again despite numerous attempts. Since PayPal had stated that I couldn't revisit the dispute, I then went to XXXX XXXX XXXX and opened a charge-back inquiry under the REASON CODE-CREDIT NEVER RECEIVED. I gave XXXX XXXX all the communications and timeline of events- they issued a temporary credit while they investigated and then to my dismay, they reversed the credit saying that PayPal ( the charge went through them ) responded saying it was a legitimate charge. HELLO I had included in my dispute ( side-stepping the legitamacy of the charge which it was NOT ) and showing the correspondence from merchant saying they would issue a credit- the dipute now was credit ( that was promised by merchant ) never received. XXXX XXXX didn't seem to care that the charge back was based on the promised credit never processed, and the back up for that, an instead was focused on the fact that PayPal said this was a legitimate charge. So back to PayPal I went and they are saying that they only acted as a third party processor of the charge and that they were NOT involved in this dispute AT ALL, and that I had to take this up with my cc XXXX XXXX XXXX. I tried telling PayPal that it was their response to having gone to my bank and them opening the dispute back to PayPal and because PayPal said - NOTHING ABOUT THE FACT that they had in their own message center - the correspondence from merchant they would issue a credit - and that was supposed to be what XXXX XXXX was investigating- where was the promised credit? And so the loop goes on and I am demanding that either PayPal issue the credit and charge back their vendor, or Green Dot bank properly credit my account user the reason code ( they have the original merchant email stating they would. .... Please dear XXXX someone credit me back this money!
Company Response:
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: This complaint was previously filed with PayPal and the CFPB per Complaint ID XXXX. When PayPal replied to the complaint with a non-sequitur, the CFPB improperly closed the complaint. This demonstrates a deficiency in the CFPB consumer reporting system. The substance of the first complaint which remains unresolved is that the PayPal software platform permits unlimited numbers of pre-authorized invoices to be submitted for payment to user accounts with no recourse for users to report the pre-authorized invoices as fraudulent. In my case, XXXX such invoices were submitted for " XXXX XXXX '' when I did not engage any such company. Although I tried to report these invoices as fraudulent to PayPal using their Resolution Center, by calling customer service, and through their Chat Assistance, no support was provided. When I filed a complaint with the CFPB, PayPal responded with instructions to report the fraud using their Resolution Center. This is a non-sequitur because, as the information I provide pursuant to this complaint will demonstrate via attachments, the Resolution Center does not permit the reporting of pre-authorized invoices. When I tried to mitigate the impending fraud by removing payment methods stored with PayPal, I received a message that as long as inovices remained outstanding I was required to leave a payment method on file, nor was I permitted to close my PayPal consumer account.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a dispute with Paypal for unauthorized transaction on because my card was stolen. I was told I would hear back from them within 9 days. Later I was told that the dispute was closed in my favor. I never received the funds for the dispute, and I also requested credits. I called Paypal XX/XX/22 and they transferred me around for almost 2 hrs and then proceeded to hang up on me without solving my issue or crediting me. Paypal has not followed the billing error procedures. If Paypal can not make this right I want the pursue arbitration for breach of contract and breach of warranty.
Company Response:
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other service problem
Subissue:
Consumer Complaint: PayPal Inc . Refusal to close my account. Stating technical issue. Closed PayPal credit account XX/XX/2022 until present and my account with PayPal is still active. Spent a total of over 10 hours on the phone with PayPal with them stating a different reason on several occasions as to why they refuse to close my account. Can not get a straight answer. Have an email from them stating they would close my account within 5 to 7 days ... .they account remains open.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear XXXX XXXX : PayPal has held funds provided to me by my customer via credit card since XX/XX/XXXX. There were XXXX invoices paid by my customer totalling {$30000.00}. PayPal shows that the funds are available to me, but when I try to transfer them to my bank account, it says " Something has gone wrong ''. They have sent me numerous messages which they said needed to be resolved to release payment. So far, I have provided my photo ID, a Bank statement, information about my business, my vendor/supplier information oand contracts, my business license, proof of order fulfillment and tracking, information about my transactions, invoices from my vendors, expalanations of activity change. And after all of this they are now asking to speak with my customer, who is a XXXX XXXX company. I sent them a note on XX/XX/XXXX saying that this was unprofessional and I did not want them doing this to my customer. On XX/XX/XXXX, they said funds might be held for up to XXXX weeks and would be released on XX/XX/XXXX. On XX/XX/XXXX, they said, funds would be released on XX/XX/XXXX. Then they said their back office would release in XXXX to 5 days, but they are still refusing to release the funds. Please advise how to proceed, as I Iam a small business owner. I have paid all of my vendors for these purchases, but am not getting the funds that are owed to me. Sincerely, XXXX XXXX - XXXX # XXXX - XXXX
Company Response:
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. "
Company Response:
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i received this paper on XX/XX/XXXX, i assume the paper was written on XX/XX/XXXX since that is the date the paper has on it. the amount of debt theyre asking for is {$220.00}, it says as of XX/XX/XXXX, you owed : {$150.00} then additional debits applied to your account : {$65.00} which totals {$220.00}, i have no idea what this debt is for as i have never sent or received money on paypal, i never use online payments so this has to be a mistake, i have no idea what this is about and i want them to stop bothering me.
Company Response:
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They are trying to hold my money for 180 days it's mine i have been trying to tell them let me have my money an i will close the account
Company Response:
State: KY
Zip: 413XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On the XXXX of XX/XX/2022, my PayPal account was permanently restricted. The reason listed was a change in business model or your business model was considered risky. I have not done anything to my account that would justify this. After some research I discovered this phenomenon is caused when PayPal is opened with a XXXX active. Due to my personal security, I keep a XXXX on my phone, and made the mistake of not turning it off before opening PayPal, which likely flagged my account.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A