Date Received: 2022-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PayPal account was disabled last year and I still have the slightest idea of why spoken with someone in customer service XX/XX/XXXX of last year and was informed my account would be disabled for 180 days. Well it been over the amount of time I was told the account would be on hold called again on XX/XX/XXXX and was told my account would be handled by the resolution department within 24-48 hours and once everything was done my {$360.00} would be deposited into my current account with XXXX XXXX and its been past 24-48 hours since last conversation with PayPal.
Company Response:
State: LA
Zip: 71107
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My venmo account was frozen and I was notified via email that I had to submit proof of identity. After sending a picture of my license ( front and back ), my account was permanently deactivated. They will not provide me with a valid reason as to why ; however, it seems suspicious that they requested a copy of my ID prior to permanently deactivating my account.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to XXXX Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit reports.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: Two separate transactions on my Paypal account that are unable to be cancelled. The first is in the amount of {$12.00}, the second is for the amount of {$28.00}. There is no option to refund these payments. The services I was purchasing were not provided and the sellers immediately blocked all forms of communication.
Company Response:
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: A purchase was made through PayPal on XX/XX/2022. The seller never shipped the item and when i attempted to follow up, the web page is no longer available. I haev ent numerous emails but have gotten no response.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear Sir or Ma'am, I am reaching out to file a complaint about PayPal. My funds are being held at {$3400.00}. I have utilized the chat options via the app on several occasions with no success. No one has responded. I called the PayPal credit card line to reach an actual person. Upon this action, I was held for over an hour, an agent finally answered only to disconnect the call after I provided the tracking information provided by the buyer. PayPal has received its fee of {$700.00} yet my funds remain on hold even after the buyer updated the shipping information via the PayPal app. My funds should not have to be held as the buyer has been in communication with PayPal reporting no issues. I have recorded phone call conversations as well as photos for documentation of all my many attempts to speak to an agent for a resolution.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 while checking my email, I found a notice from Pay Pal. It related that I had made a purchase thru PayPal. I knew that I had not done so. I have called PayPal and spoke with a agent by the name of XXXX XXXX.I reported the problem to him and he then checked what had occurred. He informed me that a account had been opened using my name, social security number. The account is with XXXXXXXX XXXX XXXX with a {$10000.00} credit available.The card had been used to make a {$1800.00} purchase. I again informed him that I had not done this.The reference # is XXXX and the phone number is XXXX for PayPal. The agent told me that he was transferring me to the Senior Security Manager, by the name of XXXX XXXX. Upon speaking with her, she said that her ID # is XXXX. She then said that I needed to go to a XXXX XXXX and obtain a PayPal blocking card. Then she asked me if my bank debit card ended in XXXX, I said yes. Then I asked her how she got my debt card Bank and my debit card numbers. She would not relate to how. I then became suspicious and I hung up my phone.
Company Response:
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: O n Thursday XX/XX/2022 I received an email from PayPal that I have an invoice for {$560.00} USD from a digital currency company called XXXX. I did not participate in any transaction with XXXX and did not make any purchases of digital currency. I canceled the invoice through paypay.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/22, I made a purchase at a sneaker business named XXXX XXXX which used PayPal as a payment option. My payment for {$220.00} USD came in the form of {$170.00} USD from my existing PayPal wallet balance and {$56.00} USD from my checking account. PayPal had always been a preferred payment method for me as they have amplified marketing around their buyer payment protection, going as far as to have large fonted advertisements stating " Protection you need, peace of mind you deserve '' which gave me confidence in purchasing from this seller in the event that there were any issues as PayPal would make things right with me, the consumer. Furthermore, PayPal very clearly states that I'm protected if my order does not arrive as reflected in Item 2 on the following site ( https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security. ) Given my purchase was a pre-order, I was not expecting to receive it immediately. On XX/XX/22 I received a note from the merchant directly that their business was going into receivership and that the business would be dissolved. Given my receipt from PayPal stated that I have 180 days from the date of the transaction to open a dispute in the Resolution Center should I have an issue, I Immediately went to their website to raise a claim and saw that my dispute should take approximately 30 days. A dispute was raised with case XXXX XXXX Over the course of the dispute, PayPal did not kept me up to date, and continued to push out their resolution date. On two occasions, where it was noted to me that resolution should take place within a week or so, the date has come and gone with no resolution from PayPal. On XX/XX/22, PayPal provided me with an update to let me know that my case was denied citing that my purchase was ineligible for purchase protection. The specific reason for ineligiblity was because PayPal cited that these items were intended for resale. To be clear, this single pair of shoes was for my specific personal enjoyment and not any type of after-market profiting and for PayPal to make that assumption is offensive, unwarranted and also a way of cheating honest consumers by finding a loophole. In the past few weeks, court filings have come out against the merchant where it has been deemed that they were in fact a veiled Ponzi scheme now being investigated by the FBI. In reaching out to the receiver of the dissolved business, as well as reviewing court filings made by them, their response has been, " The Receiver has determined that no refunds will be made at this time and no orders will be fulfilled. '' What is further disturbing, PayPal has drawn out the duration of these dispute investigations to the point that my bank no longer gave me an option to file a Reg. E dispute, something which I believe PayPal knowingly did with intent to avoid the obligation of paying these funds. In hindsight, I cant help but feel that PayPal engaged in predatory practices by steering me into a payment product with which they feel they do not have to abide by their own warranties and protections.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: In response to previous CFPB complaint XXXX, Paypal refused to provided the basic relief requested unless I contacted the executive escalation office. A representative called twice the day the response was sent to CFPB. The first time no message was left. The 2nd the caller stated in voicemail that Paypal would follow up in writing. Paypal never provided me their response. In initially reviewing the response on the CFPB sie, the email address they required me to contact them through was cut off. I did not realize that a pdf of the entire response ( which, again, was never sent to me ) was attached. Upon locating the email address I have attempted multiple times to contact Paypal as they directed. They have not responded. It appears their previous response was not made in good faith and they do not seem to have any intention of doing what they should have to begin with. Multiple attempts to call back the number used by the executive escalation office funnels to the main " customer service '' center. Not that they provide any service And representatives there repeatedly and hostilely claim to be unable to put me in contact in any way with the executive office. Similar responses were received attempting to use social media to get the communication promised.
Company Response:
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A