Date Received: 2022-12-17
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: Someone gained access to my Paypal account and made 4 fraudulent transactions sending money to email addresses we know nothing about for a total of {$130.00}. We have contacted PayPal several times and keep getting the same response from them with no reversal of these transactions or any other information " We have completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. '' We've tried reaching out to PayPal again getting the same arbitrary or no response. We believe this entity is still actively trying to access our account.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This all started when I got a collection notice from XXXX XXXX XXXX XXXX about a Paypal debt of {$1200.00}. I don't have a Paypal account or use Paypal. I submitted a CFPB Complaint about this collection agency. In response to the complaint they said they are working on behalf of Paypal , Inc and that it is possible that I am a victim of of fraud or identity theft, they said they would cease all collection activity. The advised me to call Paypal to address the concerns of identity theft. I called Paypal on XX/XX/22, I gave them the account number on the collection notice and they said they opened an investigation ticket # PT - XXXX and said it would take ten days. I called back on XX/XX/22 the representative said the ticket was done incorrectly and closed, the representative said a supervisor would have call me back, I gave them my phone number, but no one ever called me back. I am concerned about someone creating and using an account in using my name and address. Paypal is being very irresponsible with this issue. The account and debt are not mine and Paypal needs to do something about this fraud.
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recently found that I have been getting a monthly charge on my paypal account from XXXX going back two years. I was unaware of these charges as the charge name said XXXX and I confused it with a different subscription I had been using. I tried contacting XXXX and they told me there is nothing they can do and I need to dispute it with paypal. I told them they can look up my account and see that I never used their service but they said it didnt matter. I tried to dispute the charge with paypal and they responded that there was nothing they can do either.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have been using paypal service for all my online business since XXXX, I have not had a serious problem until XXXX. XXXX. XXXX when my transaction hit XXXX which is the maximum the account can transact per month. I was then requested to provide proof of fulfillment, proof purchase from supplier, information about how my business works and then asked a to give more information about 7 transactions that were flagged out. I was able to provide all that, on the morning of XXXX. XXXX I was asked to provide more information concerning 3 of recent transactions to my account. I provided the information, about 7hrs later I received an email saying that my account has been limited permanently. This put me in a lot of distress since paypal is my primary payment method for my customers. Also the money held has inconvenienced my business as well as my family since we depend on that.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal is now fining their consumers whose points of view they disagree with. I in no way want anything to do with such a company. I have tried to close my account but they will not let me close it. This is tied to my bank account. I no longer want to use their services. I went through all the steps to close my account, but they would not close it. I called to find out why and they said that it's because I have a PayPal credit card so I can't close it. This puts me in a situation where my credit score would take a detrimental hit in length of credit history. In this, I am being penalized for no longer using their services. Is this even legal, and how?
Company Response:
State: OH
Zip: 44011
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I reported to Venmo that my account had fraudulent activity and received an email in the middle of the night and I was told my account was frozen and I needed to send in a copy of my ID again. I did this just to get a response saying thank you for sending that but we are closing your account due to fraudulent activity. The said they were closing my account they have not closed it and still keeps accepting funds I was told IF I can get my money back it would be in 180 days and they still havent closed my account. I have emails as proof they stated they were going to close it and the have it open with me not being able to access anything. I have told them and was told the account would b closed and they wont respond back to me now
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I transferred {$150.00} XXXX ( {$110.00} ) to a friend via Paypal using my credit card. The listed fees for such a transaction are 5 % of the transaction ( min {$0.00}, max {$5.00} USD ) I was charged a fee of {$8.00} USD ( $ XXXX ). 5 % of the transaction is {$5.00} USD, over the max of {$5.00} and well below the {$8.00} USD charged. There is no explanation for the fee but the terms of Paypal 's website are quite clear. It is a small amount we are talking about but if they are over-charging people on the regular, this is fraud.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/XXXX, my PayPal account was permanently locked with {$38.00} in pending funds. I called PayPal customer service, and they could not provide a reason for the lockout or any support in remedying the issue. To my knowledge, there is no behavior on my account that should have caused this. My PayPal account reads, " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a Paypal customer for years and am a victim of a cyber attack. The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. I am the only authorized user of this account. I have not authorized these transactions. Based on our review, we found this transaction is consistent with your PayPal payment history. I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? Based on our review, we found this transaction is consistent with your PayPal history. To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question.
Company Response:
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am owed {$220.00} from my Venmo account that they all of sudden closed my account and are claiming I broke their rules and now theyre keeping all my money because of high risk liability. I did nothing illegal and I am just upset because been emailing and calling for over a month and they refuse to tell me anything due to protection they claim. They make me feel like I am a huge bad guy kingpin and treat me like a criminal when all I am is a single dad. Need help getting my money returned
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A