Date Received: 2022-11-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: They cancelled my account I had XXXX dollars in my account XXXX
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal permanently limited/locked my account on XX/XX/22, even though I had uploaded my driver license for verification. In the notification I received, without any details or explanations, PayPal just claimed it was due to potential risk. However, I only used my account to make some small transfers in my household recently. The service fees were also charged by PayPal for each transaction. After ID submission for verification, I did not see any potential risk on my account. I called the customer service and the representatives said they could not help on resolving this issue. I am sure I did not do any fraud and can provide any document for verification purpose. Since my PayPal account has been used widely in my daily life, this wrong permanent limitation has caused me a lot of inconvenience.
Company Response:
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Ok..I 've been dealing with trying to get my Venmo account unfrozen because they will not give me my stimulus!!! I have verified my i.d . but they will not give me access or let me transfer my money. I have XXXX XXXX XXXX that those Venmo XXXX will not give me access to and I just want my stimulus help!!!
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Hello. My name is XXXX XXXX and I have been a PayPal customer since XXXX. Last week I got a limitation on my US business PayPal account XXXX The reason of limitation described in email is as follow : " After a review, we decided to permanently limit your account as we detected activity on this account that is in violation of our buyer protection policies. '' In XXXX I started my own business. I created my first business PayPal account XXXX to my XXXX XXXX XXXX I have an XXXX XXXX for XXXX XXXX XXXX ) with several hundreds of XXXX XXXX. My XXXX is XXXX XXXX XXXX XXXX XXXXy. To XXXX XXXX XXXX it is necessary to register an account, download XXXX XXXX XXXX, install it and run on XXXX. On a game website there is a page which allows you to buy virtual currency ( points ) using PayPal. There are several options available to purchase ( XXXX ). When you click the desired option, the website redirects to the PayPal payment page. After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values ( iXXXX XXXX Each user authentication in game is logged to my records system as well as all purchases in the in-game store so I am able to check and prove that the player logged to the game and spent purchased virtual currency on game values. I have had this XXXX XXXX since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is XXXX of the most popular among current games ( especially in games on mobile phones ). I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. On my XXXX PayPal account I passed all PayPal verifications ( I had about XXXX different checks from PayPal ) and used it for several months. I had XXXX completed orders ( XXXX, XXXX ) and a good seller reputation. I have worked closely with PayPal support to improve my customers ' experience as requested by the PayPal staff. My record system is designed to show PayPal my XXXX XXXX as clearly as possible. And not to put a shadow of doubt about the fulfillment of my orders. Everything was going great but in XXXX of XXXX PayPal stopped working in XXXX because of the XXXX XXXX to XXXX and I can not use my account XXXX anymore. Due to these circumstances I relocated to another XXXX and spent my next months to create a XXXX company. I have come this long and hard way in order to continue working with PayPal. After that I registered this PayPal account XXXX. I continued working with PayPal with my new account. But after 2 weeks I got account limitation. I tried to contact PayPal support to get an explanation of my limitation but 3 times got just the same message that their decision is final and " PayPal reserves the right to close any account reported to be involved in possible fraudulent or high-risk behaviour ''. Once again, I carefully read the PayPal rules and made sure that I did not violate anything and my business was not involved in any kind of fraud. Considering that my XXXX XXXX not involved in any kind of fraud, and is also quite popular in the XXXX XXXX segment, and also on the basis that I have already passed all the necessary checks and have extensive experience and a large number of completed orders on my previous paypal account, I believe that I have a chance to be a PayPal XXXX and run my absolutely legal business with PayPal. I am always open to cooperation and ready to provide all the necessary documents and evidence. If you still consider my XXXX XXXX as risky, then I am ready to have some kind of restrictive measures, such as freezing funds for a while after receiving payment from the buyer. If something needs to be changed in XXXX XXXX I am ready for that too. I have been a PayPal customer for a very long time, my journey starts from the time when I was an XXXX XXXX Receiving a restriction in the form of the inability to conduct any of my business with PayPal is a real tragedy for me. I have made a lot of efforts to work with PayPal and I hope that our cooperation will not stop there. Best Regards, XXXX XXXX.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am not receiving my money in my checking account from winnings I purportedly received from my online cash games. I was receiving notices on my online checking account that I was receiving " Uncatagorized '' items but those would just disappear. XXXX customer service representatives didn't know what " Uncategorized '' meant either. I bank with XXXX XXXX XXXX at their XXXX branch at XXXX XXXX XXXX, XXXX, FL XXXX and their Fraud Center phone number is XXXX. I understand that XXXX has been communicating with PayPal regarding my winnings. I cashout from my online games with PayPal and their customer service department is XXXX and their email address is XXXX. Their corporate offices are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal receives the money from these online games and then PayPal then sends the money to my checking account. I don't know where the disconnect is happening that's preventing me from receiving my money. The games signifyonline in the games cashout sites that the money was sent to PayPal. My PayPal account is XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is my third complaint request. The company never intended to return our money even after all these attempts to reach them, PayPal, or XXXX. Previous Complaint XXXX. Below is the information already submitted in closed complaint XXXX. We are now requesting you investigate PayPal. Per XXXX, PayPal was supposed to refund the restocking fee of {$200.00} to XXXX XXXXXXXX XXXX XXXXXXXX PayPal account, and the balance to my account of {$4400.00}. Paypal sent the full refund to Another Company : XXXX XXXXXXXX XXXX XXXXXXXX. We did not have any association with this company and refused to pull it back and refund us. To date we have not received anything from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has also informed us that XXXX XXXX XXXX XXXX is not them and they have no association with them, and XXXX XXXXXXXX XXXX XXXX has not been in business in years. And we are trying to find out what options we have. We were told PayPal does not have a statute of limitations on refunds. Can you please review this issue with PayPal for the full amount of {$4600.00} or even the less of the restocking fee of {$200.00} leaving our refund to be {$4400.00}? The PayPal account is under XXXX XXXX XXXX. The email is XXXX. I am hoping you can help me in recouping my funds from PayPal. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and PayPal shows no transfer back to XXXX or my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in anyone 's favor. PayPal advised they had ruled in ours but because we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been ongoing since XX/XX/2021 and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part, Paypal should refund {$200.00} for a restocking fee to seller XXXX XXXXXXXX XXXX XXXX and the remainder of the {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}, PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/2021 and they no longer have our money and that XXXX Has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the seller. In speaking with the seller they advised that their Bank is still in Deficit the full amount. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything else please contact me. Previous Complaint details : I am hoping you can help assist me in recouping my funds from Pay Pal / XXXX. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to XXXX and Pay Pal shows no transfer back to XXXX or to my account. We had a XXXX way call with XXXX and PayPal and at the time XXXX had not ruled in any one 's favor. PayPal advised they had ruled in ours, but because we we had a dispute with XXXX they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. We were told that XXXX came to the conclusion on their part PayPal should refund {$200.00} for a restocking fee to seller XXXX XXXX and XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. PayPal stated ( XXXX rep and myself in a conference call ) that they returned all the money to XXXX on XX/XX/XXXX, and they no longer have our money and that XXXX has it and needed to disburse it back to the card balance. We were advised that XXXX had not received the funds and that PayPal had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. I am attaching documentation from XXXX, as well as the conversation between XXXX XXXX and XXXX and I. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have tried for over three weeks to close my account at PayPal. I keep getting and error message that there is a computer problem. When I contact the company, they ask for reasons I'm closing the account. They are stalling and refusing to close my account for PR reasons only. There latest excuse is that my account is being reviewed and it may take 30 days to close my account. This is just another excuse. I want my PayPal account closed now!
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Starting XX/XX/XXXX, I began the process of trying to close my PayPal account. They have access to sensitive financial data such as bank accounts with routing numbers. At first, I was told I could not close my account because it was " linked '' to Venmo. I called Venmo customer service, and they confirmed that there was no link, and had never been a link to PayPal. I forwarded this information to PayPal and they started telling me it was some kind of unspecified system error that was keeping them from closing my account. I tried continuing to contact them for 2 weeks, and would either get the Venmo account link excuse, or the unspecified error excuse. After 2 weeks, I just flat out deleted my Venmo account since PayPal is their parent company. After deleting the Venmo account, PayPal still refused to close my account. I waited another 2 weeks ( it has been 22 days since I've been trying to close the account ) and I've contacted them nearly every day. They are holding the account hostage and not giving me any additional information about what the issue is that is keeping them from being able to close the account. From a quick internet search, it sounds like they are doing this to a significant number of their customers, and they have a lot of people angry over some XXXX language change. They appear to be holding customer accounts hostage because they do not want to lose account numbers over this issue. I'm hoping a CFPB complaint will help me to finally close my account with PayPal.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from XXXX XXXX XXXX claiming I owe {$420.00} to PayPal , Inc . This is not my debt I've never made any such charges and I always pay Paypal instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with PayPal and I never made a charge in that amount. This is a scam and/or identity theft.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/XXXX I received an unsolicited invoice via PayPal from an individual named XXXX XXXX in the amount of {$210.00}. This was alarming for two reasons : 1. I did not have any previous interactions with this person, and 2. The item description was for the purchase of a " compact pistol '' - here is the full description on the invoice : " Note from XXXX XXXX On XX/XX/XXXX You Purchased a Compact Pistol With PayPal Credit of USD XXXX. XXXX The First Emi Of amount Is deducted From Your Bank Account We have yet to receive payment from you of XXXX. XXXX in respect of our XXXX ID # XXXX which was due for payment on XX/XX/XXXX.. Kindly request you to clear the invoice. We look forward to more productive associations in the future. Please let me know if you have any questions. : XXXX ( XXXX ) XXXX '' I immediately contacted PayPal 's customer service to report what was happening, and at no time during this initial phone call was it indicated that this would negatively impact my PayPal account. In fact, it was alluded that what had happened was an illegal phishing scam and that my account was protected. As my checking account ( XXXX ) on file with PayPal as well as the Credit Card attached to said account were not charged, I was content that nothing amiss had occurred. I was instructed as to how to cancel the invoice and assumed this was resolved. I attempted to make a small purchase the following day, and could not do-so. I had wrongly assumed this was an issue with the website ( XXXX ) and continued to try purchasing said item. It finally occurred to me something might be amiss on my PayPal account, so I logged in - there was no communication informing me of anything being amiss from PayPal, and I could not find any unusual issues explaining why I was unable to make a payment ( I had a small balance that I should have been able to use as well ). I made numerous calls to customer service, and each representative I spoke with assured me they could not find any issues within my account, nor notations indicating why my account was suddenly unusable. I was constantly assured that " someone would be in touch '', and that never materialized. I eventually received a service representative that was willing to inform me that an " account limitation '' had been placed upon my account, however they were unable/unwilling to offer details. This was the first representative that sent a follow-up email when they said they would - I received that email on XX/XX/XXXX. I was assured within this email that my account status had been forwarded to their Security and Investigations Team, so my hope for resolution was ignited. I was wrong. I began to eliminate my usage of PayPal on various websites - I no longer felt safe with this company due to their lack of transparency and response to my very basic questions. I received my " Billing agreement cancelation '' emails from several platforms on XX/XX/XXXX. I attempted to communicate with PayPal on XX/XX/XXXX about the account issue several times via phone and the " message center '' on PayPal 's website. I can not see any of those interactions now, as I believe they delete them within 90 days. I was never sent the promised transcript of any conversations with Customer Service. The next time I heard from PayPal regarding my account was on XX/XX/XXXX when they informed me that I was now allowed to withdraw any funds I had in my account. I did this immediately. I also attempted to close my account and was redirected on the website so many times, I gave up. I have just recently decided to try and close my account again- it really is time-consuming so I have to wait until there are lulls in my life- and was again, unable to do-so. I am filing this complaint as I do not believe I will get a resolution from PayPal. Please help me. I want to be free of PayPal and I believe that PayPal has violated my consumer rights.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A