Date Received: 2022-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance ( {$9000.00} USD ) and took my hard earned money under the Transaction ID : XXXX. ( please find attached the screenshot of the transaction ) Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX th 2022 I accidentally sent the money to the wrong person. It was {$400.00}. And the company paypal has fail-safes for this exact problem and within minutes I followed those steps. And luckily the person I sent this too answered my call and cancelled the transaction and refunded the money back to me almost immediately.. Now this is what PayPal directs you to do. So I figured I would get my XXXX money ( I had no XXXX this year, I literally had to feed my family peanut butter sandwiches for XXXX dinner ) PayPal said my refund would be available on XXXX XXXX the {$400.00}. Now I even asked them on their website why does it take 3 days to get my money refunded to me on an accidental transaction. Their response was that I have to wait for th e-check to clear, which confused me. Because it was a PayPal to PayPal transaction so I dont understand why the y would have to wait for their own check to clear? So I wait til XX/XX/XXXX and than it says the refund was pushed back to XXXX XXXX. After XXXX. I was heartbroken how can I tell my family that XXXX is cancelled. I wondered if this was personal because I feel I was discriminated against by PayPal not long ago, within the past 12 months I wrote an email to PayPal that my next step was to get a lawyer and file a discrimination suit against them but than they released my funds to me. But I did not say anything or contact them, I waited patiently thru XXXX for the XXXX th to come. On the XXXX I went on their website and saw on the XXXX nd of XXXX they cancelled the refund, no notification whatsoever. They told me to wait til the XXXX th to get my my my money back. But they silentl cancelled it. I called them on the XXXX th to be lied to and told the other party involved cancelled the refund and than got on with a manager who told us there is no one above him that we could talk to. Not one question o had was answered they told no refund thats it because the other party was in the negative which should not have mattered cause it was cancelled. Why would they wait 14 days to tell me this cause the manager stated clearly on the recorded line that, as soon as I accidentally sent the money I was never going to get it back cause she was in the negative. If that is the case than why 14 days to tell me this
Company Response:
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: I disputed a charge with my financial institution over a month ago because an XXXX driver tried to scam me out of {$150.00} for a fraudulent cleaning fee. XXXX canceled the fraudulent charge and my bank canceled the dispute. I have been trying since XX/XX/XXXX ( it is now XX/XX/XXXX ) to try to get my XXXX XXXXXXXX out of my Venmo account so that I can pay my bills with no resolution. I have provided the necessary paperwork and my financial institution has contacted them directly multiple times. They will not tell me when I will be able to access my money and have suspended my account. I was a victim of fraud and Venmo is doing nothing to resolve this. I have submitted many support tickets with no resolution. I have been unable to purchase XXXX gifts or pay my medical bills due to this.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: PayPal account ( XXXX ) I have XXXX in my PayPal account. On XX/XX/XXXX, Suddenly my account has been permanently limited. I did not receive no email or any communication stating my account was limited or why. I called and was told that all I needed to do was upload documents ( id and bank statements ) after that I called and was told i had an old account with a negative balance and needed to pay that balance. I had funds transferred from this account to that account to cover that negative balance on XX/XX/XXXX and was told that I will have access to my funds within XXXX XXXX. I called today XX/XX/XXXX and was told that I am limited due to transactions ( i verified that I was sending money to myself as I was having issues with withdrawals ), and they told me still that I had to wait 180 days to have access to MY MONEY!!!!! I am at risk of XXXX and this is unfair. There's no way that they need to hold on to XXXX for 6 months. I have not ever received and mails regarding any communication Ive had with them. I believe they are attempting to steal my money. Please help me resolve this issue.
Company Response:
State: PA
Zip: 18505
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PayPal is refusing to close my open accounts. I have this odd feeling that we me being homeless that certain accounts that I lost access to as a result of my telephone number with XXXX not being able to be recovered or ported resulted in my inability to recover these accounts due to XXXX. All attempts to engage corporate to close any accounts in my name have been met with shenanigans as well as acts of avoiding contact. They fail to establish a good time to reach me and instead engage in acts that mirror someone doing the least amount of work to contact me while leaving my accounts in play. I want all accounts in my name closed. They are requiring an excessive amount of information in order to close the account and are in my opinion abusive.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Have XXXX cards with Venmo. Was unable to regain access due to XXXX as a result of my XXXX phone services being disconnected due to XXXX Venmo was unable to authenticate the account as I did not have access to this phone number and as a result I was unable to close the accounts.
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: hello paypal. i need you help me to enable the option for withdraw the money. Everytime i get the option for withdraw my money the system is place over and over a new limitation on my account and is already pass 180 days. PLEASE HELP TO RESOLVE THOS LIMITATION : XXXX OVER 10 MONTHS XXXX XXXX XXXX Just help me to enable the option for me be avalible to withdraw my money please. this situation is fustrated.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am a private citizen who does not hold a job, nor have a career, nor own a business. I was a first-time user of Venmo. My friend, ( the person whose services I needed ) only dealt with Venmo or check, and this person was a verified merchant of Venmo. I had a bad feeling about getting started w/Venmo but swallowed my fears and went ahead and signed up. On XX/XX/22, I paid my person in advance for their services. On XX/XX/22, my need for this person did not materialize and my friend kindly reimbursed me my {$100.00} back. That same day, I recd an e-mail fm Venmo ( XX/XX/22 ) at XXXXXXXX XXXX XXXXXXXX, telling me I had the refund. In this e-mail was a blue elongated oval button stating : Transfer to your bank account, which I could have clicked on. Underneath that button there was NOT another button that stated the following in it but what was written underneath the blue Transfer to your bank... button were the words : Or save your balance for future payments with friends through Venmo! Therefore, rather than hassle with putting that money back into my personal bank acct., I thought it would be okay just to have it stay in my Venmo acct., because I knew there would be reason to use my friends services again. ( Just because I had to cancel my transaction didnt mean I wouldnt need them in the future. ) At XXXXXXXX XXXX XXXXXXXX the following day, XX/XX/22, I recd a disturbing e-mail from Venmo, informing me my acct. had been FROZEN!!! The only explanation ( if you can call it that ) was this : Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. There was no first warning!! It just went right into FROZEN, when it was going to allow me the day before to transfer my funds back into my personal bank acct.!! Venmo will not tell me what I did wrong. I am now being told that in order to unfreeze my Venmo acct, -- -not that I can have my funds, mind you.. .but just to unfreeze -- -- I must prove who I am, via Govm't. issued ID, when I did not need this to sign up for Venmo, nor did I need it to make the initial transaction from my personal bank. I have read many, MANY similar complaints in this area, by filers on Consumer Financial Protection Board, ( CFPB ) so we know this mandate is common. ( And I argue the same as this person >>>CFPB Complaint # XXXX : If they needed to verify my ID, why didn't they do that when I first signed up for Venmo? ) Upon reading this disturbing e-mail on XX/XX/22, I first attempted to call into Venmo Customer Serv. that same day, XX/XX/22, and the person I was talking to ( " XXXX '' ) I could not understand. I then both e-mailed Venmo from my personal e-mail acct., and also through their website contact form, asking what Id done wrong. I then called in again to ( XXXX ) XXXX and spoke with XXXX. I could understand him somewhat better than XXXX. XXXX stated that as much as he would like to help, this was handled by another dept. that had no contact by phone. He did acknowledge, however, that he could see my e-mail, and could see that it had been auto-replied to. XXXX told me that the company had between 7-10 business days by which to contact me back but tried to assure me that it may not take that long. I found the Venmo User agreement on the internet and it states, as far as refunds, this : Refunds When you buy something from an authorized merchant using Venmo and the transaction is ultimately refunded, the money will be sent back to you. Money may not always be refunded to the payment method originally used. https : //venmo.com/legal/us-user-agreement/ ( But it also doesnt state here that your money will not be returned!! ) Why is my account frozen? AGAIN : It wasnt even 24 hours from when I got the XXXX XXXX e-mail, on XX/XX/22, that I could transfer those funds to my personal bank acct., to XXXX XXXX the next day, XX/XX/22, whereby Venmo froze my acct.!!! The evening I signed up for Venmo, I was taking screen shots as I was going along, and I was never presented with any Terms of Service. I am uncomfortable having to produce my Drivers License to a company that is not reputable, at this point. And in CFPB case # XXXX, THAT person acquiesced and gave this information to Venmo writing, I submitted the documentation asked of me. And then frighteningly, he goes on to write : Two weeks later I received an email from Venmo that they had permanently XXXX my account. And another CFPB complaint ( XXXX ) stated : I turned in my ID like they requested but they still have not released my funds and are saying that it could be over a month before they even get back to me. So what good would it do me to give in to Venmos unreasonable demand ( s ), then, if, as I STRONGLY suspect, I were to possibly end up the same way as these poor people did? And as far as trusting Venmo with this information, another CFPB complaint ( XXXX ) XXXX stated : I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. And thats EXACTLY how I FEEL AS WELL!!! Venmo HAS been dishonest and HAS now shown impropriety and I do NOT trust them, at this point. If they had required I give them my D. License right away, I would have had nothing to do w/this company. And I love what CFPB # XXXX wrote ( as I can BIG-TIME relate!!! ) : I have no ability to remedy this situation and continue to be told that someone will reach out to help me solve this issue, still waiting for that to happen. Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen within a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues within 24 hours. I would agree with the last 2 sentences and would also add that I can get into my Venmo acct. today but before I can, it VERIFIES ME through MY CELL PHONE FIRST!!! ( See screen shot fm XX/XX/22, last p. of my attachment, which shows the code I inputted there, after being sent this via my cell phone... proving I can still get into my acct.!! ) And this is AFTER I go through yet another level of security by putting my e-mail address in their little block ( which I used to sign up for this account. ) Lastly, unbelievably, I was bothered AFTER all of this, to engage in a survey, e-mailed to me by Venmo!! Hey ( my inserted e-mail address!! ) How are we doing? XXXX XXXX XXXX ( NOT GOOD!!!! I did not, and could not, fill it out. ) The last e-mail I received from Venmo, on XX/XX/22, from " XXXX XXXX ( Team Venmo ), '' stated : " Hi XXXX While we appreciate your interest in using Venmo, we are unable to confirm that you are the owner of this Venmo account. As a result, we will not be able to unfreeze your Venmo account at this time. If you wish that we review this case again, you will need to provide us with a copy or picture of your valid US government-issued ID showing your legal name. You can submit that information using our Document Upload Form, linked here : https : //help.venmo.com/hc/en-us/requests/new? XXXX XXXX XXXX XXXX XXXX XXXX Even though, evidently, this was their 'response, ' I have still waited their stated/requested ten ( 10 ) business days that I was told on XX/XX/22, by XXXX ( XXXX ) they needed and I am now filing this Complaint on XX/XX/22, asking for CFPBs help. Today, I am also going to e-mail them this exact complaint, to their 2 e-mail addresses I have : XXXX and XXXX. As resolution, I am requesting that 1. ) my Venmo account be UNFROZEN in order for me to 2. ) access it -- -- in order for me to 3. ) retrieve my {$100.00} ( to then place it in my PERSONAL NON-VENMO bank account ).
Company Response:
State: TN
Zip: 37172
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX I chatted with an agent about my card and unauthorized transactions. The agent started a dispute process and asked me was the charges she was disputing unauthorized I told her yes. Today XX/XX/XXXX I received an email saying my dispute was denied. So I looked into it and seen that put transactions on the list that was not suppose to be disputed at all. They are very unorganized and purposely denying a claim. If you read over the chat I did not put the 2 claims into the disputing transactions. I want my claim reopened
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I used PayPal to buy a purse online from a company that used PayPal as an option. I used paypal specifically because of the.protection offered and trusted vustomer base they have. The website appears to have been fraufulant. Paypal released the funds to the company and denied my claim that they are fraud and i havent received tracking number or confirmation emails. When i was denied paypal said i.could ask additional questions via email, which i did and now i am getting no replies. The amount was {$52.00} on XX/XX/19. The funds were immidiately released to the seller names XXXX XXXX selling under a XXXX XXXX I triednto.rectify with the seller XXXX PayPal and received no reply, tried to email the website 2 times and PayPal 2 times now, nobody is replying. I want a refund for my money because i have not received what I bought. My moneynwas stolen usingbthis " safe '' form of payment.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A