Date Received: 2023-11-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Dear Sir/Madam, I am writing to express my grievance against PayPal regarding their handling of a fraudulent transaction on my account, which has led to significant financial loss and distress. This complaint highlights PayPal 's failure to conduct a thorough investigation into the fraudulent activities involving my account. Incident Overview : On XX/XX/XXXX, I inadvertently contacted a fraudulent tech support line, assuming it was PayPal 's official customer service. During a desktop sharing session, under deceptive pretenses, I was tricked into sharing my debit card information. This led to unauthorized transactions : {$980.00} transferred into my PayPal account, with {$890.00} subsequently sent to XXXX XXXX XXXX. Additionally, {$1800.00} was illicitly withdrawn from my bank account into PayPal. I detected the fraud, immediately ceased the session, and reported the incident to PayPal. I was informed by PayPal that they were able to freeze the transaction and will not release it to XXXX XXXX XXXX until a thorough investigation is concluded. Inadequate Investigation by PayPal : Despite my immediate action and a dispute case ( Case ID : XXXX ), PayPal concluded on XX/XX/XXXX that the transactions were consistent with my payment history. This finding is grossly erroneous. I have never engaged in any transactions with XXXX XXXX XXXX. Had PayPal conducted a proper investigation, they would have likely discovered that XXXX XXXX XXXX 's account was potentially created on the day of the fraudulent activity. Furthermore, the account likely received numerous incoming transactions, some of which may have been disputed. Such patterns are clear indicators of fraudulent activity, which PayPal seemingly overlooked. Impact and Request for Resolution : This situation has resulted in a financial loss of {$890.00}, including the {$890.00} sent to XXXX XXXX XXXX and a {$4.00} transaction fee. The lack of a comprehensive investigation by PayPal has caused me significant emotional distress and eroded my trust in their services. I am seeking a full refund of the said amount and demand a detailed explanation from PayPal regarding the lax nature of their investigation. I also request the Consumer Financial Protection Bureau to scrutinize PayPal 's practices in handling such fraud cases. It is essential to ensure that PayPal and similar institutions have robust mechanisms to protect consumers from similar frauds in the future. The handling of my case by PayPal has highlighted serious deficiencies in their fraud detection and customer protection protocols. This incident underscores the need for more stringent regulatory oversight in the digital finance sector to safeguard consumer interests. Thank you for considering my complaint. I am prepared to provide any additional information or documentation necessary to assist in this matter. I look forward to a prompt and effective resolution. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Was paid by a customer for a deposit on home for renovations. The deposit was placed on a hold and I was told that it exceeds the maximum amount of money incoming capped out at {$500.00} for a month for a business which is absurd and refuses to release the money to make available to satisfy not only the customer but my needs as a business owner. This particular company is PayPal and offers no solutions other than I have to wait 21 days to get money that I need immediately to satisfy the customer and get materials to help with a service not goods. The customer service rep and their help site only says to provide tracking information which is not necessary considering I offer services not good. This puts me at risk for legal action from the customer and also future customers of PayPal
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Hello, I am reaching out regarding PayPal Inc . I once was an account holder with this company until recently. The month of XX/XX/ my account was permanently limited, by the automated system per the details provided to me by the company call center representatives. I currently have funds still in my account and per the company I must wait 180 days to access what is rightfully mine. I am seeking help to get the company to release my funds to my back immediately due to me not having the means to allow anyone or any company to hold my money without permitted access. I am currently experiencing financial hardships which my {$750.00} would make a huge difference to me and my family right now. I can't wait 180 days to access my money, for any company to expect that this is acceptable is absurd. I have spoken with the proper channels within the company and was advised there was nothing they could do to over-ride the system autogenerated decisions. There are not any outstanding claims or anything on my account and I have properly verified my identity numerous of times. I am in desperate need of my money and would appreciate to have access to it. I am not pleased with the decision that PayPal no longer doing business with me, but what can I do. To say I would appreciate my money today is an absolute understatement. Please help me. I am a single mother of XXXX and XXXX is around the corner and my children deserves to be happy on that day just like everyone else.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX XXXX XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US XXXX In this letter, I gave 30 days notice for Pay Pal Pay In 4 to respond and provide me with the information that I requested. Additionally, I requested that Pay Pal Pay In 4 cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that Pay Pal Pay In 4 cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Pay Pal Pay In 4 continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. Pay Pal Pay In 4 has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, I have received zero correspondence from Pay Pal Pay In 4 in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXXXXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXXXXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXXXXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Pay Pal Pay In 4 et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Pay Pal Pay In 4 et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Pay Pal Pay In 4 et. al. 1. Pay Pal Pay In 4 et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Pay Pal Pay In 4 et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Pay Pal Pay In 4 et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXXXXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Pay Pal Pay In 4 et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Pay Pal Pay In 4 et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Pay Pal Pay In 4 et. al. authority to collect the alleged debt : whether Pay Pal Pay In 4 et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Pay Pal Pay In 4 et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Pay Pal Pay In 4 et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Pay Pal Pay In 4 et. al. XXXX XXXX gives notice that : Pay Pal Pay In 4 et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Pay Pal Pay In 4 et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Pay Pal Pay In 4 et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for XXXX XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this 27 day of XXXX XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or about XXXX XXXX XXXX denied my wire transfer when I talked to approximately 7-8 different people on the phone to restore my funds that was frauded. This business was very very rude, however the conversation ended with one of the employees hanging up on me. I don't have any money to waste I definitely learned from this but to have a bank I trusted with my money to deny and talk to me crazy like that hurts for real.
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX my PayPal account was compromised and someone bought crypto with my bank account. I notified my bank filed dispute they reverse it. They told me notify PayPal file dispute which I did but PayPal refused do anything try say legitimate charge and wont let me do anything about it
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Upon checking my Paypal account on XX/XX/24, I found my entire account balance of {$31000.00} had been transferred to an unknown XXXX XXXX XXXX account without my knowledge or consent. Paypal claim concluded this was consistent with my history, in spite of this XXXX XXXX account being added and deleted in my account. I have never transferred to XXXX XXXX before, nor do I have consistent transfer of this magnitude and my balance has NEVER been transferred to XXXX prior to this transaction.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2023 I received a call from Pay pal asking me to pay a balance on my checking account because it was over drawn by for {$570.00}. after continuing the conversation with the representative he explained that their were requests for charge backs from some people who had sent me money using pay pal services. i explained to pay pal that all transactions were completed in person and not through pay pal. but pay pal was used to send me the money. i also explained that who ever requested the charge backs was trying to scam me out of money. i asked pay pal was any proof of wrong doings on my behalf sent to them, they said no so i asked why was money taken from my account, i was not given any direct answer to that question. i asked why was i not called immediately once some one put in a claim against me, i again was giving no direct answer to that question, so pay pal has basically took money from my account and given it to scammers and is now trying to stick me with the bill.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A