Date Received: 2022-09-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: PayPal erroneously changed my personal account to Business in XX/XX/2022 and proceeded to charge me transactions fees for " Goods/Services '' despite the transactions being between " Friends and Family ''. I approached them twice and they give XXXX reasons that they can't refund fees that their system created. Its about a {$100.00} which is a lot to me ... See the history of transactions and the online chat I had with them for the 2nd time.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sold a XXXX XXXX to XXXX XXXX, his XXXX, and his XXXX, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating XXXX XXXX, his XXXX, and himself were on board with the purchase, so I reported an XXXX form. I have not heard anything back regarding my filing of the XXXX form. I have also filed a complaint with XXXX XXXX. I have video footage of the meetup with the XXXX who came to pick it up, and pictures of the chat logs. I am on limited income and XXXX due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the XXXX limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. Reference # XXXX
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hello I would like to file a complaint against paypal. They put a hold on our account for XXXX days. They would not release the money to us after telling me several times in phone calls it would be available to me come XXXX. Well a month ago we noticed they just took our money and told us they it is due to them for whatever reason. NO company what so ever should be taking hard earned money from other people. We have done nothing wrong and its not right for institutions to just take peoples money and think its ok. I do know that paypal has done this to tons of people. We did a post on paypal on XXXX and i can send a screenshot but you would be surprised at the likes and shares it got. we have over XXXX shares and we have had tons of people come to us about them doing the same thing. I figured i would try filing a complaint here first and see what can be done because again it is not ok for any company to just steal peoples money and take advantage of people. if you think we did something wrong then block us from your service and never let us use it again but it is NEVER OK to take someone elses money.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sending money to someone on paypal when all of a sudden they put my account on hold for no reason I went back and forth with them for 1week trying to verify my documents and after handing in all the correct documents when I checked my paypal to check if my account was of hold it said my account is now banned for 180days. My account is banned for 180 days with the money I was supposed to send someone a whole week and a half ago they money is still on the account I just want to get it out so I can send the person their money and I do not want to wait 180 days I really need my account back this week if possible I can not wait 180 days at all not even half of that my email to my paypal is XXXX and my name is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 XXXX ( XXXX XXXX ) transferred {$60.00} to XXXX XXXX on Venmo. I was unaware she had closed her Venmo account. The {$60.00} was withdrawn from my bank XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I requested a refund from Venmo and they said XXXX XXXX had to send them an email confirming she closed account. She did that and was told email not sufficient. On XX/XX/2022 she spent 2 hours on the phone with various Venmo Reps trying to unlock her account but was unable to do so. She was switched may times and got extremely frustrated and the rep hung up on her. She made 5 calls. She got an email saying someone would contact her in 24 hours. No one did. They withdrew my money and are not giving it to the recipient nor are they refunding it to me. I can't imagine I am the first person in this position. Date Description Type Amount Balance Posted XX/XX/2022 VENMO PAYMENT External Withdrawal {$60.00}
Company Response:
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX I received and email for a job offer for XXXX XXXX XXXX, following a short interview via the app called " Wire '' which is an encrypted messenger app I was sent a letter explaining I was accepted to work for them. Subsequently after they sent me more information regarding the offer and position along with details for hours and pay scale etc, in that message they included information regarding the devices that would be needed to preform this job and how they would send a check for {$2300.00} to help with obtaining said devices - Furthermore, the individual spoken to said a down payment of XXXX would needed to help with this and the money from the XXXX check would be deducted to pay for the equipment. Upon going to the bank on XX/XX/XXXX it was determined that the check that was emailed to me was not only fraudulent but would have taken that amount from my account. I contacted Venmo and XXXX XXXX on the same day to stop the transaction or have the money pulled back from the Venmo account that it was sent to considering the offer was fake and no merchandise was ever purchased let alone received thus no service was ever really provided and there would be no grounds for payment to be allowed. XXXX XXXX XXXX was aware of these scam applications as well including the names being used. Venmo refused to assist me with any information or resolution for the matter stating it would need law enforcement to be involved, XXXX XXXX XXXX doesn't allow for any reimbursement for scammed clients either according to the individual who I spoke to on XXXX. I had placed a scam report on XXXX and contacted my local law enforcement regarding this issue and have a case number as well
Company Response:
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a {$10000.00} payment to my contractor for work in my home by Paypal. The money was immediately deducted from my account. As of today, XXXX XXXX is still unable to retrieve or collect the money. Paypal told him to cancel his business account, and open a personal account. I am unable to cancel the payment, or recall the money. Transaction Transaction ID : XXXX I spoke to their customer service representative, and even escalated to a supervisor, but they will not return my money, and the recipient still can not access the money.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds. Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am filing a complaint against PayPal and XXXX as there was some fraudulent activity on my account. I have provided adequate information and many hours trying to explain the issue and sent them proof. They do not want to leave me acknowledge the fraud and cancel the debt as several other agencies have done. My wallet and phone were stolen on Friday, XX/XX/XXXX in XXXX, TN. There were fraudulent charges on my credit card and money transfers through Venmo, PayPal and XXXX which were connected to my XXXX XXXX XXXX checking account. All of the companies and agencies have acknowledged the fraud except PayPal, so they keep harassing saying that I have a negative {$1200.00} balance. After many hours and submitting multiple documents, I have realized that I need to file a complaint as they will not leave me alone. So here are all the charges and how it got resolved with other companies. The {$200.00} charged to my credit card was cancelled once I made them aware of the fraud. Since I did not have insurance on my XXXX which was less than 1 year old, I had to buy a new {$900.00} phone. All of the money stolen from my XXXX XXXX XXXX was put back into my account, but it just took a while. I will break down charges and how it was resolved. There was a {$700.00} charge to my Venmo account but since that was done by adding my stolen bank card, it was easy to see the fraud, so my bank put back the next day. The XXXX charges of {$2200.00} in two transactions of {$1000.00}, and {$1200.00} took a while but finally at the end of XXXX the bank approved the fraud claim and put the money into my new bank account. It took around 20 hours with multiple calls, providing the fraud department with all information compiled info, and an appeal where I submitted the police report that I filed and a receipt from my cell phone carrier ( XXXX ) that I had to buy a phone out of my own pocket. Finally, there is {$1200.00} in PayPal charges in three amounts of {$700.00}, {$300.00}, and {$200.00} also on the same night that the other fraud occurred. Since I notified my bank the same day of the fraud, they were able to see the fraud and put the PayPal money back into my account. We also transferred all the remaining money into a new account. I also informed PayPal that the charges were fraud but they on three different times in XXXX tried to get that money. It shows three attempted PayPal charges one day and then it gets reversed by the bank within a day or two. On XX/XX/XXXX, PayPal even sent me an email recognizing that there was suspicious activity on my account but that did not stop them from trying to get the money from my bank account. I made another call to PayPal in XXXX reminding them that the transactions were fraud, but they said it is like my normal activity and just insufficient funds. I told them the bank has a case and I have a filed police report about the theft and fraud charges, but PayPal did not care. At the end of XXXX after XXXX XXXX XXXX put the stolen XXXX money back into my account, I called PayPal again to try to resolve these fraudulent charges so I could feel like everything is wrapped up. After over 3 hours on the phone and being transferred to 4 different representatives that they did not want to resolve anything but just wasting my time. They said I made the charges as it was authorized by my fingerprint for transaction which I do not even have that as an option on my PayPal account, another rep told me it was done in XXXX and I reminded him that I live in XXXX, and the last rep told to contact the criminals that stole that money and ask them to put it back. How absurd that he proposed that I reach out to the deviant that did fraudulent on my account and put the money back. I realized that this was useless. Also, PayPal said they are sending my email to XXXX to collect the money. I have been made whole by XXXX XXXX XXXX, but I do not want PayPal, XXXX to contact me about owing them a fraudulent debt and it somehow show up on my credit report. If you need more info or clarification, please contact me. Also, I have provided some documents that I have received showing how the fraud claims have reached a fair resolution by other companies. I think between the bank, phone calls, and online changing all my logins and passwords that I have probably spent over 50 hours over the last 3 months trying to resolve this and make everything related to me safe and secure. It just seems crazy that the XXXX Police Dept, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Venmo have all acknowledged the theft and fraud but PayPal no matter what information or amount of time that I have given them will ever recognize the truth. This is obviously a corrupt business practice which is why I am filing this complaint.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I'm previously a PayPal user who received a account limitation email on XX/XX/XXXX stating " I can no longer do business with PayPal '' and " my funds will be held for up to 180 days from the limitation ''. PayPal later contacted me on XX/XX/XXXX ( by email ) notifying me my funds were now eligible for withdrawal, the problem now is when I attempt to add my current bank account to proceed with the withdrawal I get denied. I get the following error message " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot of this issue. I have tried adding multiple bank accounts to no avail and I have attempted to contact PayPal support ( which I have done for years ) and I get ignored. UPDATE : In the latest response I received ( Thanks in part to the CFPB ) PayPal claimed they made an adjustment which will allow me to add my bank account and withdraw my funds. They also stated this adjustment will expire on XX/XX/XXXX. I am obviously here making this claim because the adjustment they claimed they made did nothing with helping me add the bank. I now need further assistance.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A