Date Received: 2022-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX the IRS issued a XXXX informing me that they were proposing changes to my XXXX tax return in the amount of {$71000.00} as a result of a Form 1099-K filed by PayPal under my social security number. I do not have a business account with PayPal, have never used PayPal as a source of revenue, never received this particularly income, nor did I ever receive a 1099-K from PayPal in XXXX proving that they issued this 1099-K with errant information. This notice informed me that the IRS would be assessing {$22000.00} in taxes owed, penalties, and interest. I followed the necessary steps prescribed by the IRS to report the fraudulent use of my identity and SSN and to dispute this proposed change to my XXXX income. I received a notice issued XX/XX/XXXX by the IRS indicating that they had received all the necessary information and would be looking into my claim. I then received a Notice of Deficiency less than 2 weeks later on XX/XX/XXXX. In addition to disputing this reassessment of my XXXX income with the IRS, I also reached out to PayPal in every way that I was able for help. On or about XX/XX/XXXX I contacted them through their PayPal Assistant, an online chat program. After several messages back and forth and a phone call with a gentleman in a foreign call center routed through XXXX, XXXX who identified himself " XXXX '' I provided a scanned copy of this initial IRS document through the PayPal Assistant Messenger. I received the following message in response : " Thank you for responding back -- -- -- - and providing that information. I will forward this to our tax operation that someone used your SSN and you dont know those transaction it may just take 3-5 business days just wait for our email notification in regards with the update or the result of the review. '' I never heard back from anyone at PayPal. On XX/XX/XXXX ( 80 days after my previous contact ) I reached back out to PayPal through their online PayPal Assistant to ask for help regarding this fraudulent use of my identity. I received a reply from an individual named " XXXX '' with the following : " Hi -- -- -- -, not to worry I have raised a ticket and escalated this with our specialists team so that they will review and update you the outcome via email within XXXX hours. XXXX XXXX - XXXX '' " The ticket id for your reference is : XXXX. So, I suggest you to please wait for the update and keep on checking your emails as well. XXXX XXXX - XXXX '' Later that day, I received the following communication through the PayPal assistant. " Dear -- -- -- - -- -- -- -, Thank you for contacting PayPal about the IRS letter you received in the mail. Protecting your personal information is our top priority. We are unable to locate the business account associated with your personal information, please send us a copy of IRS " Notice of Deficiency '' you received in the mail for further review. You can email the form to XXXX. Be sure to include your name and email address as they appear on your PayPal account. For detailed information on how we collect, store, use and protect your personal information, please read our Privacy Statement. You can find the Privacy Statement by clicking the Security link on any PayPal webpage. Please let us know if you have any additional questions. Sincerely, XXXX PayPal Compliance Department PayPal Please do not reply to this email address as it's not monitored and we will not receive your response. You can get in touch with us by clicking " Contact '' at the bottom of any PayPal page. '' I responded as instructed emailing the address provided with a scanned copy of the official IRS Notice of Deficiency. For the record, this is the second copy of an official IRS document PayPal with sensitive information such as my SSN has asked me to provide through an internet portal and an email address respectively. In this email, I informed " XXXX '' to the full nature of my problem and asked that he or someone from his office contact me directly so that I might receive an update regarding my request. After receiving no confirmation from anyone in PayPal 's Compliance Office that they had in fact received my email, I reached out again through their PayPal Assistant portal. I asked the representative identified as " XXXX '' to please pass a message to the compliance department on my behalf. In this message I requested the compliance department to respond to my email by XXXX on XX/XX/XXXX. Also, in this message I informed them that due to the urgency of my issue with the IRS and their previous record of ignoring my request for help I would file an official complaint with the CFPB if I did not hear from them. " XXXX, '' unaware of the message that I received from XXXX asked for a screenshot of the message. After sending her a screenshot of the message, I received the following : " -- -- -- -, not to worry as I see the issue with your account is resolved. Please do not worry about the emails which you have received. Feel free to reply whenever you're ready and we'll reply as soon as we can. XXXX XXXX - XXXX '' This message would indicate to me that less that 24 hours later PayPal has marked my issue " resolved '' without notifying me of ever even receiving my initial complaint. They have made no effort to communicate with me their findings or their plans to resolve my complaint. After receiving this message and no confirmation that " XXXX '' would pass my request to the Compliance Office I notified the company that I would file this complaint with you immediately.
Company Response:
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. It is clear to anyone that what they are doing is wrong.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Problem with customer service
Subissue:
Consumer Complaint: My PayPal account has been closed without a clear reason that shows the violated policy After my friend sent a small amount of money to my wallet
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Problem adding money
Subissue:
Consumer Complaint: I am trying to send money to another Venmo user and it will not allow for over a week now. Four attempts to resolve with Venmo they are useless... .keep responding with " packaged '' responses that they are not at fault and I should just use another form of payment. This is how they run a business and keep customers? Disgraceful. They have wasted time and money for me and refuse to fix the problem and be help accountable. Something needs to be done!
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My name is XXXX XXXX, and a card linked to my Paypal card number ending in XXXX that I don't know about Paypal told me is under my name and under XXXX Bank. Still, I want y'all to verify if it is under my name and under that bank or tell me the person 's name and what bank it is under ; my PayPal account email is XXXX.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I purchased a {$5.00} book on the XXXX XXXX XXXX as Paypal was offering {$10.00} to everyone who spent {$5.00} on the XXXX XXXX I purchased the book and sent Paypal copies of the receipt ( which was paid for via Paypal ), they have yet to reply nor credit me the {$10.00}. 1 month ago I filed a complaint here against this same company for not allowing me to use my venmo account on a day I needed it, they company refused to provide any remedy and denied accountability, again. Today I am writing to illuminate petty harassments of the company, in their choices to ignore my correspondence and fulfill their obligations to their claims.
Company Response:
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I purchased an item through Paypal almost a year ago through a vendor XXXX. After receiving the product, I realized the item was not what was on the website or as described. I was also informed by a professional beautician that the hair purchased was snot " human hair '' as described on their website. This company after filing the Complaint reached out to me, I informed them of the issue and they were going back and forth. I reached out to Paypal via phone several times the issues were never solved and I never heard anything back from Paypal or the merchant it has been over a year now. I spent over 300 hundred dollars on this product, again it has been a year, I was scammed and all of PayPal. I disputed withing the time request within the 180 days and I never got a notification or follow-up, I feel like Paypal sent the merchant to talk me out of my refund, and neither of the parties has responded to this day. It has. back and forth and when I call Paypal I am told it is river 180 days, meanwhile this dispute was filled months ago. It has been XXXX. I can not even use this product. I use Paypal to protect me from things like this and still, I was scammed and Paypal refuses to help. It has been a nightmare.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: In XX/XX/2021 my account with Paypal was shut down for unknown reasons while I had a balance of {$2400.00} left in my account with them. As per the shutdown, Paypal told me they would hold the funds for 180 days ( which itself is crazy and very inconvenient ) and that after that time, an email would be sent to me with instructions on how to retrieve my funds. After 180 days, I NEVER received the email and to this day, I am still unable to retrieve my funds. This is a very horrible way to run a business. This is money that Paypal is choosing to hold without any merit at what appears to be, indefinitely. I want my money back!
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 using PayPal credit I made a purchase in the amount of {$1400.00}. Upon receiving the purchase receipt, I identified that PayPal charged my bank account. I contacted my bank to stop the payment because I do not have that amount of cash available for thar purchase. I then proceeded to contact PayPal who informed me that the reason why it was put thru on my bank was because the credit limit on my PayPal credit account was not sufficient, and that the system assumes that it is okay to use a second funding source without notifying me by providing me an adverse action notice and or giving me the option to proceed with the purchase. I contacted PayPal on XX/XX/2022 who advised me to contact the merchant directly for a refund, after numerous failed attempts to get refunded from merchant I opened a dispute with PayPal XXXX XXXX who until this day XX/XX/2022 have not given me a resolution and instead I received a collection letter from a debt collector. PayPal unfair and deceptive practices are a violation to my consumer rights to fair and honest dealing it is causing negative credit reporting, financial distress and negatively impacting me, my finances and my credit..
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/2002 PayPal decided to permanently limit my account ( locking me out ). they stated that i can no longer use PayPal. keeping me from transferring my money from my account. I have gone through their steps to contact them, click here then click here and then click again. it then takes you full circle right back to beginning steps, I have tried to find out why account was locked but can not get a response from them.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A