Date Received: 2022-11-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Paypal said that there would be a XXXX hour hold while they reviewed my transaction for security purposes on XX/XX/2022. The confirmation email said the money would be available for my recipient " on or before XX/XX/2022. '' Today is XX/XX/XXXX. The money is still not available for my recipient. Paypal debited my account- {$2000.00} on XX/XX/2022. I can not get in touch with a live person at Paypal
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had several fruadulent charges on my paypal account. Paypal has not correctly resolved my disputes and are in the act of making me pay for charges that were all unauthorized. I have had to re open XXXX recent disputes due to the charge back from paypal. I believe paypal is purposely taking there time and bullying me into not being able to use my account. The following charges I have investigated myself and are fraudulent and paypal is still investigating the charges. XXXX {$38.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$21.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$23.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$33.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$25.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$240.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$68.00} USD Unauthorized transactionXXXX XXXXXXXX, XXXX XXXXXXXX {$14.00} USD Unauthorized transactionXXXX XXXX XXXX
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a fraudulent request for payment in my PayPal account and via email from PayPal which additionally contains a scammer 's phone number to dispute the transaction. I tried to report to PayPal and they provide no mechanism to do so and are thus not taking necessary actions to prevent the use of their systems in this type of fraud. PayPal is allowing their systems to be used for fraud and scams and provide no reporting mechanism or follow up. I tried to contact them via chat and it is a loop with no way to report. I additionally tried following their FAQ to report and it errored out since my account was not directly accessed. Here is the text of the email from service@paypal.com XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent you a money request NOTE FROM XXXX XXXX : quote You Paid {$480.00}. XXXX XXXX XXXX XXXXXXXX thanks For Using PAYPAL, If you have not approved this Order and need this to be Stopped then Put a Dispute on this now XXXX XXXXXXXX quote Payment request details Transaction ID XXXX ( redacted ) Transaction date XX/XX/2022 Amount requested {$480.00} USD
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: the short of this is PayPal has a XXXX account that I closed at the end of XXXX or the beginning of XXXX just before I left the country to live in XXXX XXXX in XXXX of XXXX as still active. On XX/XX/XXXX, I discovered that this account was not closed!? Details of this I won't go into here. To me, it is not relevant but if you need that information you can ask. I have contacted PayPal several times including calling what XXXX shows as the corporate offices ' number of ( XXXX ) XXXX and attempted to get them to close the account, and delete it but they refuse to do so. They have told me they could go in and remove the limitations and delete the account but they won't do it. They claim there are limitations on the account, put there by PayPal and they claim that they " Can't close or delete the account until those limitations are lifted '' but they refuse to lift them and remove the account and the information that they want to lift them I don't have all of it anymore as I am not in the XXXX and do not have that bank account or live at the same address or know what they were. For the last 5 years, I have been under the impression that this account was closed as I closed because Paypal said the account was a XXXX account and when I moved to XXXX XXXX I would need to create another account from the country I moved to, and now I find out it was never closed, or so they claim? There is no reason for them to refuse to remove the account know? They have said they could remove the limits and delete it they won't. They're refusing to do it and I would like some help in getting past the people on the phone to higher-ups to get this account that should not exist removed from their system.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello cfpb, I hope you're all doing well, I'm contacting you because recently I'm having a problem in my PayPal Account which they sent me an email just today XXXX XXXX saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. '' But in my case I didn't do anything that broke PayPal rules and user agreement as the money I received " XXXX $ '' on XXXX XXXX was from XXXX of my friends to help in my hospital expenses as I'm sick no and another payment in the same day XXXX $ which was from another friend so I tried to withdraw my money from PayPal but suddenly I received today the email that I didn't even expected because I've been using PayPal for a long time now without any problem so I called their customer support but they said they can't do anything and they didn't give me any explanations about why my account limited for 180 days and I can not transfer money to my bank account till after this period but I told them that I really need my money now to pay my hospital expenses but they didn't care although I didn't do anything illegal through my PayPal account and my informations are 100 % real but I don't agree with this decision so I want my account to be restored so I will be able to get my money as soon as possible Thanks.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: [ XXXX ] Your Venmo account has been suspended, because we've detected suspicious activity on Venmo your account. Recovery your Venmo account immediately by click link bellow : https : XXXX Please take action on your account within 48 hours to avoid permanent suspension. Best Regards, Venmo. Inc
Company Response:
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a branded email from PayPal saying that I had transferred funds to purchase XXXX and in order to dispute the claim I called the customer service number in the email. When I called, the representative pretending to be associated with Paypal/XXXX said that my security had been breached and that he needed to run a security check in order to cancel the transaction. When doing that he said that my XXXX address had been compromised and that there was suspicious activity dating back to the beginning of the month including illegal purchases in several other countries. Insisting that he was associated with PayPal ( an accredited bank ), he said that in order to cancel these and ensure new security we needed to go through a process with PayPal, XXXX, and Venmo since they're owned by PayPal. I was told that because I had not done an identity verification with PayPal, that was why I had been hacked. He had me download an app on my phone so that he could guide me through the process by seeing what was on my screen, including personal information, account details, my ID, passwords, and the amount of money in my bank accounts. He said that we needed to transfer money to his Supervisor of the PayPal Security Branch, and insisted that the money was coming from him as a PayPal representative and that it would not be coming out of my account. It did, in fact, come out of my account. Through the XXXX money transfer app, he had me send {$1800.00} to the supervisor in order to get account verification and justified the amount by explaining it as a way of validating the account limit so that if someone in the future tried to hack or breach that limit, PayPal ( him ) would have already put some measures in place to prevent it. After that transaction went through ( instantly ) he said we had to do the same thing through venmo and had to send the same amount of money to someone in my venmo transaction history. ( She, thankfully, was able to send the funds back to me. ) He also called her pretending to be Venmo/PayPal support and tried to go through this same process with her saying that she needed to send money to a random person on Venmo in order to move through this process. Next, when I began to insist that I needed to be refunded for the initial transaction on XXXX, the PayPal representative transferred me to another branch for refunds. But first, before getting to the final refund step, insisted that I needed to complete the internet security steps in the process which involved driving to a PayPal XXXX XXXX in a warehouse 200 miles away. I insisted that I would not be doing so and said we needed to skip that step in the process and refund my money from the XXXX transfer. He refused, said that there was a process in place for a reason, said it would be impossible and refused to go any further if I would not comply with this step. And now through this fraudulent scam, Ive lost {$1800.00}. I tried taking steps through both XXXX and XXXX but neither was willing to help. XXXX said theres nothing they can do and XXXX says that they can't get involved in disputes between senders and recipients. Please advise on how I can further dispute this transaction and regain my money.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Hello, My name is XXXX XXXX and I've been a PayPal ( PayPal email : XXXX ) user for XXXX plus years at this point, and have been using it as my main payment processor. Earlier this year ( XXXX of XXXX ) PayPal limited my account for the first time and requested that I provide them with in depth transaction details, business information, explain the nature of my business which I did and within next few days my PayPal Account was UNLIMITED and returned to its original state. ( Screenshot will be attached below )! 6 Months after that ( on XXXX XX/XX/XXXX ) PayPal permanently limited my account once again without any option to appeal it at all. I've tried reaching out through support and e-mails provided to me without any success, I've only been provided template responses ever since, with them refusing to disclose reasoning behind the limitation. I'm the owner of a XXXX XXXX XXXX ( XXXX XXXX XXXX ) which provides its clients with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which entirely complies with PayPal 's Policy and Users Agreement. ( Business Registration and Info will be attached below ) I've been using PayPal as my main payment processor since I started my Online Business ( back in XXXX ) and my operations never shifted, since day one I've been providing the same exact service to all of my clients and some of them have been paying me through PayPal for years which says enough about my business practices. I've got a legal entity registered under my name in my Country of XXXX ( Legal Documentation Provided Below ), I'm managing a Legal Business Operation and my business produces on average over XXXX Transactions Per Year with a Chargeback rate of under 0,01 %, and it's been like that for XXXX plus years. With PayPal 's most recent actions they froze XXXXXXXX XXXX of my available balance, money can't be sent, withdrawn or used in any shape or form. This is an illegal action since you've already reviewed my account a few months ago and everything was fine. So if you already want to part ways with my business you have to allow me to withdraw funds that were on the balance when you initially asked me for my business details 5 months ago. Since obviously according to you everything was fine back then. You are only legally allowed to freeze funds that were made after that period and your review. I'm really looking forward to being able to work this out with PayPal and provide them with any sort of evidence they might need since all of my products and services are 100 % legal and don't break any sort of XXXX. If PayPal keeps on ignoring my requests like they did until now i'll be more then happy to proceed Legal Action against them and Contact Legal Entities responsible for paypal 's practices! Best Regards
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have been trying to close my PayPal account for several months. When I first encountered this problem, I called PayPal, sat on hold for a long time, and then I was told that I didn't have an active credit card associated with my account. So, I updated the card information. After that, I tried to cancel again. The first step in this process is clearing your account of any money that may be in it. I chose the check in the mail option. That didn't work -- I got an error message. I called PayPal, sat on another long hold, and once I spoke to their outsourced tech support, I was told that I would be transferred to the legal compliance department. Another long hold ensued. And, truth be told, I hung up. I couldn't help thinking that PayPal was trying to blow me off. Well, this morning, I made another attempt to clear my account of any money that may be in it. Again, I chose the check in the mail option. Got the same error message that popped up during my two previous attempts. I took a screenshot and am sharing it with this message. Now, I'm not asking PayPal to send a huge amount of money. That isn't the point. The point is that I'm trying to get the {$11.00} that is rightfully mine out of PayPal. Can you help me do this?
Company Response:
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX, XXXX informing me of a debt collection attempt on a non-existent PayPal credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with PayPal. On XX/XX/XXXX, I received another collection notice from the same company for a different PayPal account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with PayPal and that this is fraud. I also verified with PayPal that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different PayPal account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate PayPal accounts, which they are not according to PayPal.
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A