Date Received: 2022-07-25
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Nature of Dispute : On or about XX/XX/2021, I sold to a long-time customer a Model XXXX XXXX XXXX XXXX for {$2600.00}. This customer paid for this revolver using PayPal, depositing the money into my PayPal account. I subsequently learned, having received an e-mail from PayPal on XX/XX/2021, that my account, and thus my access to these funds, was being " permanently limited, '' i.e. my access to same was denied. It is my understanding that this limitation was put in place based on the determination by Pay Pal that this transaction, involving the sale of this Model XXXX XXXX XXXX Revolver, violated PayPal 's User Agreement and Acceptable Use Policy. Specifically, I was advised that the transaction violated the specific provision in the Acceptable Use Policy that prohibited " the sale of ammunition, firearms, or firearm parts or accessories. '' But, the XXXX XXXX XXXX XXXX XXXX is not a " firearm '' as that term has legal connotations. While the XXXX XXXX XXXX XXXX XXXX XXXX have been at one point a firearm in the true meaning of the word, back in XXXX and during the Civil War, it has no capability of being a firearm now. It is not operational, nor is there any ammunition available for same. Its value is in its historical significance. It is a historical antiquity with significant value in that regard. But it has no value as a firearm simply because it can not operate as one. Rather, it constitutes an " antique firearm The federal government agrees. In 26 U.S.C Section 5845 ( g ), the term " antique firearm '' means " any firearm. .. using fixed ammunition manufactured in or before XXXX, for which ammunition is no longer manufactured in the United States and is not readily available in the ordinary channels of commercial trade. '' 26 U.S.C. Section 5845 ( g ). An antique firearm is specifically excluded from the Gun Control Act. See 18 U.S.C Sections 921 ( a ) ( 3 ) and ( 16 ). Thus, this transaction did not involve the sale of a " firearm '' but rather the sale of an " antique firearm. '' Indeed, 26 U.S.C Section 5845 ( a ) specifically states, " [ t ] he term 'firearm ' shall not include an 'antique firearm ' or any device Which, although designed as a weapon, the Secretary finds by reason of the date of its manufacture, value, design, and other characteristics is primarily a collector 's item and is not likely to be used as a weapon. This XXXX XXXX XXXX XXXX XXXX was manufactured before XXXX ( in XXXX in fact ), is inoperable, and holds no value beyond its historical value to a collector. As such, its sale was not and is not prohibited by the User Agreement or Acceptable Use Policy. Although the purchase price of this revolver was {$2600.00}, I had at the time of the transaction other money in my PayPal account from other activities and transactions, which had no connection to this transaction in question, and had never been " questioned '' by PayPal. Indeed, at the time of the permanent limitation placed on my account, the account had a value of {$12000.00}. I was subsequently informed in XXXX of XXXX, following the 180-day hold period, that the entire sum had been claimed by PayPal as XXXX damages caused by Acceptable Use Policy violation. ''
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a user of the Venmo mobile payment system. I was using the system in connection with my role as a XXXX for the senior graduation party ( referred to as " XXXX '' for XXXX XXXX XXXX ) at my son 's high school. Many of the parents were sending me money for the party via Venmo, and I, in turn, was sending it on to the treasurer of the event whose Venmo account is @ XXXX. On XX/XX/2022 ( the night of the party ), at XXXX XXXX, an unauthorized transaction from my Venmo account in the amount of {$1000.00} was sent to @ XXXX with the notation of " XXXX ''. I noticed this unauthorized transaction on the morning of XX/XX/XXXX, and immediately contacted Venmo. I was advised by Venmo that my account would be frozen ( which it was and has been ) and they would research the situation and get back to me with a resolution. Despite emails to the contrary, nobody from Venmo followed up with me. As such, my husband called Customer Service on my behalf, on or about XX/XX/2022 and again made Venmo aware of the situation. A provisional credit of {$1000.00} was issued ( properly ) at that time, though the access to my account ( and thus the credit ) remained frozen. Shortly thereafter, and with no explanation or discussion with me or anyone else to my knowledge, Venmo concluded its inquiry, determined that the transaction was not unauthorized, and took back the provisional credit. There was a reference to " documentation '' used in making its determination, but all that was provided was a screen shot of transactions ( which I have attached ). I note that @ XXXX did not show up as a Venmo account on XX/XX/XXXX when I discovered the transfer, nor do I believe has it been accessible since that time ( suggesting that it was a fraudulent account ). I have continued to try to resolve the issue with Venmo, have made them aware of their obligations under Regulation E and the Consumer Finance Protection Act and in response, all that I have received is form responses from " Team Venmo '' suggesting that I file a police report and other reasons that they can not research the matter or return the money taken from my account by a fraudster. Clearly they have information on @ XXXX that I do not, and it should have been as easy as investigating that account for fraudulent activity, but instead, Venmo has not complied with its obligations under federal law and instead given me the run around. I am still out the {$1000.00} as of course I needed to make good to the treasurer and remit the funds that I received properly from parents. Thank you for your anticipated cooperation. XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: When transferring money from my checking account ( XXXX ) to Venmo using their mobile app, Venmo had given me an error and said the bank information was not available. When I tried again on my computer a few hours later, I was able to use my checkings account to send/receive money, but then my account became Suspended due to " Your activity is in violation of the Venmo Content Standard. '' Now I am unable to transfer the money from the Venmo balance to my bank, leaving the money stuck in a frozen account. I've spoken to their customer support and escalation teams, but they are not providing me a reason for my account being frozen, nor are they providing any resolutions for me. Checking online for help, I saw that Venmo doesn't unfreeze some of these accounts until 6-18 months later. However, I do not want that money to be stuck inside the account just because of their system not working properly.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I want to close my Paypal account and delete my banking information from that site. They will not allow me to do either one unless I supply my social security number and a copy of my social security card. I have had no activity I this account for over a year. I am unwilling to supply this information because of identity theft concerns. I have had repeated communication with Paypal about this and they refuse to close my Paypal account and delete my banking information. I simply want my account closed. I had over 8 communications with Paypal between XX/XX/XXXX and XX/XX/XXXX and they would noclose the account.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I got a limitation on my business PayPal account XXXX. The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. I want PayPal to lift all limitations on my account. My case ID is XXXX I have attached a file to show how payments are processed on my website.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PayPal email : XXXX My account with PayPal was in good standing for several years, until it was suddenly closed by them with no explanation as to why. Initially I was told that I would receive my funds 180 days after they permanently limited my account, however this was a lie, as it has long surpassed 180 days and yet I have not received a penny.
Company Response:
State: OK
Zip: 73521
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted by PayPal on XXXX telling me there has been unusual activity on my account. I told them I have PayPal account but I never use it. I was told someone had sent XXXX laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm XXXX XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from PayPal saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from PayPal for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
Company Response:
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX, author, editor, and publisher. XX/XX/2022- XXXX XXXX ( no relation to me ) is a referral to my company for an editing project for her chapter in an upcoming compilation, on. She called to request my rate for the project. I quoted {$400.00}, and she agreed, stating that she wanted the edits tracked. XX/XX/2022 XXXX XXXX sent the chapter she wanted me to edit. I sent a PayPal invoice for {$400.00} payable upfront, non-refundable, to her at XXXX. She paid the invoice upon receipt of the invoice. I logged into my account to confirm her payment. PayPal payment of {$400.00} minus {$14.00} fees totaled {$380.00}. I began editing immediately and working into the early morning of XX/XX/2022. XX/XX/2022 I sent two files to XXXX XXXX, one with the tracked changes and one clean completed file. Both are attached ). XX/XX/2022 I received confirmation that the client was happy with my work and transferred the money from PayPal to my bank account. XX/XX/2022 I received an email from PayPal XXXX that XXXX XXXX claimed that she never authorized this payment and is filing a dispute [ XXXX ID XXXX XXXX XXXX {$400.00} ; Date : XX/XX/2022 ]. They credited my account for {$400.00} and requested that I repay the money. XX/XX/2022 I called XXXX XXXX to ask why she filed a dispute and learned that she did not. She was happy with my work, and the payment had cleared her bank with no issues. I responded to PayPal that I did the job, and the client did not file this dispute. PayPal said any further action was for me to take up with the client. XXXX called PayPal to inform them that she did not file any conflict and that PayPal would not speak to her. XX/XX/2022 XXXX texted again that she did not have any luck convincing PayPal that she did not file any dispute and again confirmed that everything had cleared her bank without issue. She sent the attached confirmation from her bank. With no further recourse, I called XXXX XXXX for advice on how to handle this issue against my business and reputation, as PayPal was my primary invoicing tool for my work, and this false credit impacts future client payments on my account. XX/XX/2022 - Since XXXX XXXX and I are both XXXX XXXX clients ; they explained that they would have to refer the issue to an outside attorney in their network. Accordingly, they referred me to an attorney, with who I left a voicemail with his office. XX/XX/2022 The attorney told me to send him the details in an email. He sent a demand letter to PayPal XXXX XXXX and instructed me to upload it online into my account as a response to this dispute. XX/XX/2022 PayPal responded by adding a {$15.00} fee to the outstanding credit balance for referring the issue to a lawyer. I called the lawyer for further advice. He told me I was not his client and that I should direct any other legal advice to XXXX XXXX. XX/XX/2022 I called XXXX XXXX and was referred to a 2nd lawyer, who neglected to inform me that he was too busy to address my issue. I didnt realize this until I called, left several messages, and got a response from him on XX/XX/2022, XXXX XXXX Apologies for the delay. Regards. ***According to the CFPB.gov site, the debt collector generally must stop contacting you and must contact the attorney instead. PayPal sent emails to me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, requesting me to resolve the negative balance, and when they did not send emails, they sent texts to my phone. XXXX XXXX I called XXXX XXXX again and was again referred to a 3rd lawyer. I called, left messages, and on XX/XX/2022, this lawyer asked where I lived and what the issue was, didnt wait for the complete answer, and kindly let me know that he is older, not familiar with PayPal or any of their practices, and cant help me. '' XX/XX/2022 PayPal transferred my account to a collection Agency, XXXX XXXX XXXX XXXX. XX/XX/2022 I received a collection notice from XXXX XXXX XXXX XXXX. I have checked the box that I dispute that this is not my debt and am sending a certified letter to them to cease contacting me and alert the credit bureaus that this is not my debt. Since receiving the collection letter, I have been referred to a 4th lawyer, feel very upset that my business has suffered a loss of clients, and learned from many of my peers that PayPal has routinely targeted XXXX entrepreneurs in this same thing to them as well. Therefore, I've decided that I need your help.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo services froze my account on XX/XX/2021 with a balance of XXXX left in it I have contacted them on numerous occasions they will not tell me why or how my account was frozen so I decided to wait their 180 that their policly says to wait. After waiting their 180 days I tried to contact them again and they just repeated what they said the first time. Now it has been well over their 180 days that their own policy says its been over a year and they still refuse to let me transfer my money out and close my account I think ive waiting long enough...
Company Response:
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My PayPal account was block on XX/XX/2021, and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its almost a year now Ive not been able to transfer my funds. I have {$450.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A