Date Received: 2023-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: There was a post on XXXX selling a {$1500.00} car. I messaged the account as it was a friend of my mom 's. They wanted a {$300.00} down-payment. I sent the money on Paypal on XX/XX/2023. Paypal doesn't offer a cancel button when I found out it was a hacked account posting the listing.
Company Response:
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
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 I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US XXXX In this letter, I gave 30 days notice for Pay Pal XXXX In XXXX 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 XXXX 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 XXXX. 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 XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX XXXX XXXX XXXX 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 XXXX 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. XXXX. 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 XXXX XXXX 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 ( XXXX ) 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 Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] 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: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
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 I, XXXX XXXX , requested debt validation via certified mail on XX/XX/XXXX to : Pay Pal Pay In XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX, US . 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 XXXXXXXX XXXX XXXX, 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 XXXXXXXX XXXX XXXX XXXX intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXXXXXX XXXX XXXX XXXX hereby gives notice, as XXXX XXXX XXXX XXXX, has always given notice, in order that XXXXXXXX XXXX XXXX XXXX can make arrangements to pay an obligation which XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX does dispute part of, or ALL of the Pay Pal Pay In 4 et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX 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 XXXX XXXX gave ample notice stating XXXXXXXX XXXX XXXX XXXX was exercising XXXXXXXX XXXX XXXX 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 XXXX 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 Subscribed To And Sworn To Before XXXX [ Titus 1:2 ] this XXXX XXXX XXXX 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: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: My name is XXXX XXXX, and I am reaching out to file a complaint against PayPal Inc. regarding the unlawful suspension of my account and a six-month restriction on my funds access. This action by PayPal has caused me significant financial inconvenience. Since the suspension of my account, I have been unable to access {$900.00}, which rightfully belongs to me. I have carefully reviewed all the PayPal terms and conditions and am confident that I have not violated any of them. Despite my numerous attempts to contact PayPal to resolve this issue, I have not been provided with any explanation or support. This action by PayPal has severely complicated my financial situation as I was relying on these funds for my daily expenses and commitments. Being denied access to my own money without any lawful justification is unacceptable and demands immediate intervention. I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in regaining access to my account and funds. I also request an investigation into PayPal 's practices to prevent similar incidents with other customers in the future. my paypal email adress XXXX XXXX Sincerely, XXXX XXXX
Company Response:
State: MS
Zip: 395XX
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: 2023-11-28
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 , requested debt validation via certified mail on XXXX XXXX 2023 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 XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX 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 XXXX 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 XXXX XXXX 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 Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] this XXXX day of XXXX 2023. 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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My wife transferred {$500.00} USD to my paypal account on Sunday XX/XX/2023 via an e-check. The ACH transaction cleared my wife 's bank account on Monday, XX/XX/XXXX deducting the full {$500.00} out. Today is XX/XX/2023 and paypal is still claiming the transaction hasn't clear even though I have proof it cleared on the XXXX. When I asked paypal to provide me with a disclaimer or terms and condition that stated it would take this long for my account to be credited on an e-check, they could not provide it. My concern is how many people is paypal doing this to ( holding funds after it's cleared the bank ) that benefits their interest ( interest revenue ) rather than processing these timely for the benefit of their customers? Why aren't they warning people about this in a disclaimer prior to accepting an e-check transfer?
Company Response:
State: WI
Zip: 54016
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I'm a victim of a card skimmer that was at XX/XX/11 on XXXX XXXX in XXXX California. In less than 24 hours my case was closed as saying the transaction at XXXX on XX/XX/XXXX for {$160.00} was authorized when it was most definitely not. After quickly closing my case there should be a way to appeal the case but that option is not available. There are a lot of unauthorized transactions that keep getting denied even after uploading my Identity theft report from the FTC. This is unacceptable and I will start a class action lawsuit if I must become I'm not the only one who is getting unfair treatment.
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for XXXX years. It is currently active and within the last months have charged purchases through XXXX and others which are charged to my credit card. Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. After I entered my email address ( which it uses as the account ID ) and before I entered my password, it sent a confirmation code to me email account which I received and successfully entered. I entered my password. THEN, it now demands that I give them my cell phone " Mobile '' number and will not log me in without it. This web page does NOT provide an option to skip it. I am stuck. They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. They have NO need for it. This is a violation of privacy. And what if one does not have a cell phone number? Permanently locked out. FURTHER, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' Note that is " IF '' which means it is OPTIONAL. So they are violating their own terms.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I used my Venmo account to send {$200.00} dollars to my sister. During the transaction on my smartphone, the Venmo application initially rejected the {$200.00} transfer due to insufficient funds in the bank account linked to my Venmo account. I confirmed I had sufficient funds in my bank account, XXXX, and I proceeded to once more send the funds through Venmo. On the second attempt, the funds were sent to my sister. My sister received {$200.00} dollars, and I thought all was good. I later checked my bank account and noticed Venmo had deducted from my XXXX account a total of {$400.00}. There were two deductions from my account of {$200.00}. This would have been fine if my sister had received {$400.00} because she could have sent the funds back. However, she only received {$200.00}. This was confirmed via the transaction history on my Venmo account and my sisters. Our Venmo transaction history indicated only one transfer of funds for {$200.00} had occurred between our Venmo account. I contact XXXX to confirm if two transactions had actually posted to my account. XXXX confirmed and provided the trace numbers for each transaction. I filed a dispute with Venmo who initially issued a credit of {$200.00} to my account, and I let them know what the issue was. In reviewing my dispute, Venmo did not acknowledge the fact that they had deducted {$400.00} in total from my bank account but their platform was only showing {$200.00} was deducted/transferred. In their investigation of my clam they asked my sister if she had received {$400.00} which she answered as no. She, as we had already determined, only received {$200.00}. Based on her response, Venmo determined that my dispute was not valid and attempted to deduct the {$200.00} from my bank account which was unsuccessful due to security features enabled on my account. Since Venmo was unable to deduct the funds from my account they placed a hold on my Venmo account and gave me a negative {$200.00} balance. I am now unable to use my Venmo account for payment transfers and services that I would normally use to settle tabs with friends. Further, funds that I do receive, that are rightfully mine, have been withheld by Venmo.
Company Response:
State: CA
Zip: 93277
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: 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 XXXX 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. Reference number : XXXX PAYPAL : XXXX XXXX
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A