Date Received: 2023-12-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Many months ago I created a paypal fundraiser https : XXXX as soon as I have received donations my account was frozen and paypal send an email that I can get my funds in 120 days! THE TIME IS OVER! UNTILL TODAY I CANT WITHDRAW MY FUNDS I GET AN ERROR SAYING THERE IS NOTHING TO WITHDRAW!!!!! THEY STOLE THOUSANDS OF DOLLARS FROM ME!
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: My friend sent me an amount of {$1100.00} on XX/XX/XXXX in Paypal. It was a Paypal to Paypal transaction. It was my friend 's first time to transfer funds to another Paypal account. She mistakenly sent it under " Sale of Goods '' instead of selecting " Family and Friends '' which I believe made the fund to be put on hold. I already requested to release the money because we will use it to pay important bills and hospital bills but they didn't provide us any further help about our issue. We understand that there's a policy but we did not do any illegal activity. We got our money working from out remote clients as a virtual assistant. We just wanted the money to be released right away and do better next time in terms of sending funds. We want to complain about it because it's not fair to hold our money for 21-180 days just because my friend just didn't know how to navigate the online app.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I am writing to formally file a complaint against PayPal concerning the unjust restriction of my account and the subsequent freezing of funds.On XX/XX/23, I received an email notification from PayPal stating that my account had been restricted due to alleged violations of their policies. According to their communication, these accusations include Violating terms of agreement. I would like to emphasize that I strongly believe these accusations are false and without merit. As a responsible PayPal user for 1 year, I have consistently adhered to their terms and policies, and I have never encountered any previous issues or violations. The sudden and unjust restriction of my account has left me perplexed and distressed. Furthermore, the restriction of my account has led to the freezing of {$600.00} dollars, a significant portion of which is vital for my financial well-being. I am currently facing unemployment, and the availability of these funds is crucial for navigating through this challenging period.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: The PayPal sales and collection service portal has retained our funds, which were obtained from the sale of an event in the month of XXXX and XXXX. We began sales on XX/XX/XXXX with its paypal collection system linked to our online ticket sales website called XXXX The event took place on XX/XX/2023, Paypal charged all transactions and froze the money without any explanation. Several reports have been raised in their callcenter without giving us a valid or favorable response, and the only solution they present to us is to wait longer for the funds to be released. Days after the event, disputes began to appear, which are normal in this type of event, but of the 42 cases in dispute they only represent a small percentage and in which that percentage of money remains in reserve, with no explanation given. 100 % of the funds and those withheld. The total funds withheld are {>= $1,000,000} XXXX We understand this part in that only a percentage is left in reserve to resolve disputes ( {$100000.00} XXXX ) but not the total funds, which are clean and without disputes. Even the disputes have no claims by the customer only appeared in our paypal account which are held. Our disagreement is because 100 % of our sales are being withheld, which generates uncertainty and problems with our suppliers. And as mentioned above, Paypal 's answer is what should we wait and wait for longer. In Paypal 's Policies it mentions that the customer has 21 days to mention whether they are satisfied with the sale, and 32 business days have already passed since the first sales transaction and the funds are still being held. Another point that can not be accepted is that when I contact their call center, they never have a supervisor or manager to deal with major problems, in addition they cut off the calls and never make a call back, the waiting times for attention. They are getting longer and longer and I feel like I am being blocked by them from being able to connect the call. More than 30 calls have been made to their call center, sometimes with friendly people, other times arrogant, others lying that they will release the funds in 5 days, which has never happened, and in general no one solves our problem.
Company Response:
State:
Zip: 580XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Our company is XXXX XXXX and we are an ecommerce business serving the spa and salon equipment XXXX. On XX/XX/XXXX at XXXX XXXX EDT, we processed a payment through PayPal with Transaction ID : XXXX for a gross amount of {$270.00}. XXXX XXXX then fulfilled and delivered the order accordingly which is evidenced by the two tracking documents attached herein to this complaint. The two, third-party tracking documents are from XXXX and USPS. Then, on or about XX/XX/, the client apparently filed a chargeback with their credit card for items not received which triggered PayPal dispute XXXX for the PayPal account of XXXX XXXX. Since PayPal does not permit communication between the card issuers bank and the merchant and/or the merchants bank, PayPal requested that XXXX XXXX provide evidence that we did, in fact, deliver the items to which we presented the aforementioned tracking documents. At this point, due to the fact that PayPal hides their communication with cardholders/card issuers banks, I dont have any documentational evidence of what occurred but, due to the fact that PayPal then subsequently decided their side of the PayPal dispute in favor of the buyer and against XXXX XXXX, it is safe to assume that they did this as a reaction to the cardholders bank first deciding the chargeback in the buyers favor. This response from PayPal was inappropriate and goes against their own seller protection rules which I have attached herein to this complaint and which I will go over briefly here. Under their protected transactions paragraph ( the document of which is attached herein and which was pdf printed from PayPals website on XX/XX/XXXX ), they indicate that : We cover physical goods that are sold and shipped with proof of delivery from within the United States to buyers around the globe. We also cover intangible items ( digital items and services ) subject to the Intangible Goods Additional Requirements below within the United States to buyers around the globe. To help ensure youre protected, provide compelling evidence to show the item was delivered or the purchase order was fulfilled. XXXX met these and all of the other requirements pertinent to PayPals seller protection documents and original transaction, which I have attached a screenshot of herein, was seller protection eligible. Therefore, Paypal should be obligated to follow their own rules, refund XXXX the full {$260.00} net amount of the original Transaction ID : XXXX as well as the {$30.00} dispute fee inasmuch as this should have never been a dispute that XXXX XXXX lost as XXXX XXXX followed all of PayPals Seller Protection Rules to ensure that the transaction was protected against this type of charge. As a side note, it appears that PayPal subsequently ( and maybe fraudulently? ) then labeled the dispute as a Missing refund or credit dispute which appears to have no relevance to the actual item not received nature of this dispute. It is our guess that PayPal labeled the dispute in this way to avoid having us make the very contention we are making now which is that this should have been 100 % covered by seller protection due to the fact that it was a complaint for item not received. There is, additionally, a note at the top of the dispute which states that Your buyer reported that they didn't receive a refund you agreed to. XXXX XXXX never agreed to any refund for the transaction which is the matter of this dispute and we request that PayPal provide any evidence of XXXX XXXX agreeing to a refund and, subsequently, to explain why this note is on the dispute report if there is no evidence of such a refund agreement. Finally, it is our guess that PayPal did all of this because they decided that they didnt want to cover item not received chargebacks from credit card companies which turn into item not received disputes in PayPal . However, the cant just change they rules as they go along and nowhere in their seller protection documents is a distinction made between item not received chargebacks through credit card issuers and item not received disputes through PayPal. Seller protection simply, and clearly, is supposed to cover all eligible transactions for item not received. Please note that we have attached relevant documents including documents which reference the transaction, the dispute, PayPals seller protection documents as well as the tracking documents which prove that the items were, in fact, delivered.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone took out a bunch of lines of PayPal credit and applied for a XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My name is XXXX XXXX Was payment Transactions refunded ID XXXX for XXXX everytime I contact yall support yall cant help me because I dont remember the payment email I used please help me.
Company Response:
State: PA
Zip: 17057
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Paypal recently sent a letter informing me of changes to their user agreement, and by doing nothing that these new terms and conditions would be automatically implemented on the dates in the letter that ranged between XX/XX/XXXX and XX/XX/XXXX. They state in their letter an opt out provision that requires the closure of the account. I called on XX/XX/XXXX at XXXX pm and spoke with their customer service representative and told them I do not consent to their unilateral alteration of the terms and conditions, and thus would like to keep the current contracts governing our relationship in place, or close the account. They refused to do either, despite the letter which indicates that remedy as PayPal well knows they must receive either direct or implied concent to unilaterally alter the agreement that governs the relationship between them and their user. Paypal does not have a choice here without being in violation of contract law. I have requested to opt out of the changes, they have a remedy of closing the account if I do not concent, and now refuse to do either. A violation of their legal responsibilities as well as given their own opt out provision, which they are not allowing me to exercise, a violation of the covenant of good faith and fair dealing. To be clear, I am opting out of the changes on both my personal and business account with PayPal associated with the email addresses XXXX and XXXX.
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I reported an unauthorized transaction to PayPal and my personal bank ( XXXX ) and the transaction was refunded to my bank. PayPal however maintains that I have a negative balance ( the disputed amount ) and refuses to close my PayPal account and protect me from further unauthorized transactions until I pay the disputed amount!
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Hello, I need help to enable the withdraw option again due to is being block for a new limitation that was place. And it's over 6 months since I received the email. My email is XXXX I need help with this situation please I called and somebody told me that the new limitation is blocking withdraw option and can be enable for executive from paypal.. please need help.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A