PAYPAL HOLDINGS, INC


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"Products" offered by PAYPAL HOLDINGS, INC with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Other mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card

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Complaint ID: 5851774

Date Received: 2022-08-06

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them.

Company Response:

State: OH

Zip: 45011

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5851773

Date Received: 2022-08-06

Issue: Confusing or missing disclosures

Subissue:

Consumer Complaint: I started a Venmo account about XXXX years ago. Over the years I had made a total of five to six transactions on the platform to friends and family. Last year I tried to send money to a friend and a notification popped up that my account was frozen. At the time I didnt think much of it because I figured it had to be a simple fix. At first I came to the conclusion that it must have been related to the new debit card I got and that I had forgot to change it in the platform. When I tired to unfreeze my account using their online portal I learned it had little to do with my card and they transferred me to another department as my account being frozen required a different team. That team explained to me that I have violated their user agreement and that my account has been permanently deactivated. The company would not share with me any reason why due to what they state as a matter of security. Now I am left with a deactivated account for a problem I am unaware of and that I can not fix.

Company Response:

State: PA

Zip: 17815

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5851772

Date Received: 2022-08-06

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I opened up an account with venmo on XX/XX/2022 and had money transferred to my account the day I opened it and within 2 hours or so my account was temporarily frozen without any explanation as to why I talked to venmo on several occasions via email and phone yet I got no real answers so on XX/XX/XXXX I noticed some discrepancies on my account and pointed this out to venmo hoping this would resolve there original issue however it did not in fact it only made matters worse because even though ID been clearly hacked by some unknown person which at first venmo agreed with that as well suddenly though they decided that they didn't believe I was the rightful owner of my account and asked for a copy of my state ID and me taking a selfie holding my ID which I gladly did so on numerous occasions I even sent them a video of me holding my ID and my social security card and all 3 debit cards Ive got linked to my venmo account however I still got nothing back from them other then my ID was expired which it is not they said its in black and white which it clearly is not its in full color and they said its being obstructed visually in some way which it Wasnt whatsoever Ive sent them copies 9 seperate times both with just my ID and me holding my ID and yet they still haven t unfrozen my account and now have suspended it as well which took place on my XXXX 2022 and yet again told me nothing as to why my account is now not only temporarily frozen but suspended as well Ive gotten a few emails from venmo stating that they are very sorry about the delays but that I should just be patient and cooperate with the venmo specialists working on my case and that's basically all they ever say there's never any real communication between me and venmo 's specialists they literally are now just placating me and have no real intention of ever releasing my funds to me I believe and im now about to loose my home because the money that there holding was for my rent and since they have frozen/suspended my account I cant access my rightful funds to pay my back rent and am terrified that I may loose my home and will be XXXX so please if someone could help me figure this out and talk with venmo on my behalf to get this resolved ASAP ID be so very grateful ... thank you

Company Response:

State: WA

Zip: 992XX

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5851120

Date Received: 2022-08-07

Issue: Other transaction problem

Subissue:

Consumer Complaint: I contacted Venmo about a transaction that was sent to the wrong account due a malfunction with the app ( and refused to troubleshoot the issue with the app ). The payment which was labelled rent was directed to an ex-roommate who left on bad terms. I contacted Venmo who instructed me to have him call them to return the funds. He did so but Venmo had extracted the funds for a debt that he owed them. They refused to do anything about returning the funds when he informed them to return them to me. The amount was {$1800.00} and they have tried to place the burden on the receiver when they have acknowledged that he wasn't supposed to receive the funds. This is also reflected in my Venmo history with two payments to my landlord once a month. I have submitted a police report and a report to the FTC about the issue. We did exactly as Venmo instructed and refused to return the funds to pay off the person 's debt. I am now having to scramble to find a means to pay my rent while Venmo refuses to process the refund even after having the person they told me to contact to contact them and approve the payment back to me.

Company Response:

State: TX

Zip: 78723

Submitted Via: Web

Date Sent: 2022-08-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5850498

Date Received: 2022-08-06

Issue: Fraud or scam

Subissue:

Consumer Complaint: On XX/XX/22 I had my client send me money through my Venmo. The amount was for {$930.00} and it cleared from her checking account. I sent {$330.00} to my checking account and then attempted to send {$300.00} to another venmo account holder and Venmo froze my account. I have gone back and forth with various customer service specialists and their supervisors everyday since then. I was told that it was most likely frozen because I needed to provide more information to verify my identity ( which I did immediately ) I was told it would take 7-10 business days for the reason why it was frozen in the first place to be determined and my account be unfrozen. It has been 16 business days and I still have {$600.00} in my Venmo that they refuse to allow my to transfer out. The only live customer reps that I have access to speaking to claim they have no way to communicate with the other department who handles this and therefore nothing that they can do. I now believe that Venmo or some 3rd party is scamming me and has stolen my money. I dont know what else to do. This has cost me a huge job that I was supposed to complete because the money sent to me is being unjustly held and my customer has since filed complaints and her Venmo account is now frozen as well. I dont know what else to do in this situation

Company Response:

State: NY

Zip: 12553

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5850290

Date Received: 2022-08-06

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have received phone calls and correspondence from a collections company XXXX XXXX XXXX XXXX ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( PayPal ) with that email and have confirmed that with PayPal. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.

Company Response:

State: FL

Zip: 321XX

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5849251

Date Received: 2022-08-05

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I loaned a friends son money for food in the amount of {$250.00} XX/XX/2022. On XX/XX/XXXX a repayment was sent to me money to pay me back in XXXX separate transactions. The person I loaned the money to is XXXX XXXX. On XX/XX/2022 I received via VENMO {$50.00} and {$100.00} and {$100.00}. ( The name XXXX XXXX was the sender in my transaction list ) to repay the loan. On XX/XX/XXXX a XXXX XXXX disputed the transactions and VENMO, with out my knowledge or consent or even asking me took the money from my account and sent it to someone. ( I don't know because their are XXXX names and XXXX of them are fictitious made up by XXXX. I immediately contacted VENMO as soon as I noticed, because they never informed me,. I was told initially since it was a chargeback I would have to wait up to 75 Days to get a resolution. after almost 85 days, numerous phone calls, being placed on hold for an hour at a time, hung up on, " disconnected '' apologized to and lied to I received an email on XX/XX/2022. This email said the bank sided with the sender and I am not getting my money back. At that moment I requested an investigation, was told it would be escalated I would get a response in XXXX to XXXX hours. XXXX week later after emailing every day and calling. I was basically told the same this that it was being investigated and to just wait. Now that we are at almost 4 months since the initial fraud happened and my money dissappeared. I have hundreds of hours into my attempt to resolve this but they keep telling me the dept handling this has no phones so all I can do is email and wait for a reply. with in XXXX to 2 days. This never happens. They are giving me a complete runaround. I am a good customer. Can't believe they have avoided an investigation. With three names on one transaction not including mine. ( XXXX of which, I don't even know. ) How is this acceptable??? I want my {$250.00} back immediately. Plus I would like {$500.00} extra from my time and my stress. Please help me get this fraud dealt with!! Since XXXX I have been demanding an investigation of fraud and I have been ignored and given the run around.

Company Response:

State: MA

Zip: 013XX

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5848760

Date Received: 2022-08-06

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: This is the second time I have an issue with PayPal not following up on a fraudulent vendor. This one is new and just starting to scam people so PayPal will have hundreds of claims in the next few weeks. There is a website XXXX that is advertising exceptional pricing in their catalog of items. I was not aware of it until after my transaction that came after i XXXX the XXXX XXXX I was trying to purchase at a savings of nearly 40 %. I placed an item on hold in the cart as I was researching and comparing models. I received a reminder from XXXX reminding me the special offer was about to expire so I opened the link to pay and this took me directly to PayPal. At this time, you think you are paying this company but it actually processes the payment as a transfer, only you do not see this until after you complete the transaction. Then you see that the money went to a XXXX XXXX and an email of XXXX Then, Paypal responds the transaction is not covered by their Purchase Protection and you are basically " XXXX '' ... PLEASE HELP!!!

Company Response:

State: NM

Zip: 875XX

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5848661

Date Received: 2022-08-05

Issue: Money was not available when promised

Subissue:

Consumer Complaint: On this date I received a {$400.00} Cash payment from a friend to my Paypal Account. They were charged a fee to send it to me, and then I was told I would have a fee to pull it out. And so I agreed to all of that- which put me at {$370.00}, and I said yes. All afternoon the transfer of the CASH to my bank account was DECLINED. I have called them more than 4 times, and I am put on hold or disconnected, and they REFUSE TO HAVE SOMEONE CALL ME OR DISCUSS ANY OF THIS WITH ME, AND I AM NOW LATE PAYING SOME BILLS THAT WERE DUE TODAY BECAUSE THEY ARE HOLDING MY CASH. ISN'T IT ILLEGAL TO HAVE ZERO CUSTOMER SERVICE AND HOLD MY CASH FROM ME??? I AM LIVID UPSET!

Company Response:

State: TX

Zip: 77433

Submitted Via: Web

Date Sent: 2022-08-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5848163

Date Received: 2022-08-05

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Someone used my maiden name to open up a fraudulent credit card. XXXX XXXX XXXX is trying to collect a debt of XXXX from a fraudulent PayPal account. XX/XX/20XXXX XXXX

Company Response:

State: TN

Zip: 38119

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.