Date Received: 2022-05-20
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: So I had my XXXX balance transfered to my venmo account, I'd done it before no problem. I have my XXXX XXXX linked to my venmo debit card, so when I make a payment they withdrawl it from my link card if there's no balance on my account. We'll I had tried to make a purchase on my XXXX and it said it was declined, I knew I had money in my venmo account so I tried it again, declined again. Irritated I went on the venmo app to try and figure out the problem. My trouble shooting kept taking to the same reason, that my account m ay be frozen. I contacted venmo and sure enough my account had been frozen. I asked why, they told me that they had sent me an email and that I needed to resolve the issue via email. I waited and waited and never got an email so I contacted venmo again. I told them that my account had been frozen and I need to resovel whatever issue to have my account un froze. That I never got an email telling me about my frozen account and or how I could remedy the issue. The person I spoke to was helpful she had me verified some stuff and was able to resend the email the they had supposedly sent again. I verified my identity and was told I would be contacted in a few days. So I waited, I finials got an email from them with stated that I had violated there user agreement and that my account would be deactivated and that the money on my account would be held for up to 180 day should they decide to return my money. Wait, what? Should they decide to return my money, it's my freaking money, XXXX? I asked them why their decision was to deactivat my account, what had i done? The gave me no reason. That was not acceptable, so I contacted them a couple more times once to ask them to expedite the release of my funds and another to speak to the mgr or whoever I needed to speak to get my $ released. They said they could not release my $ and I was to refer to the refund and charge back section of there user agreement. Idk, but they stole my money and there's nothing I can do about it is basically what there telling. That's messed up!
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my freelancing. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business ( online martial arts tutorial ) since XX/XX/2022. My PayPal account : XXXX has stucked funds in it worth of {$110.00} US dollars that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. For identity verification, I attached my valid ID. Please see attachments.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is the cause of Paypal not understanding how to issue temporary credit and retrieve it in a manner that does not cause issues with consumer protection at other financial institutions. To start, I have to give the full story from start to finish as to how paypal managed to negate my consumer protection at XXXX. My paypal account is XXXX Phone # XXXX My XXXX Claims filed are XXXX XXXX XXXX XXXX Mainly concerned about case ending in XXXX. On XX/XX/XXXX, I purchased XXXX XXXX XXXX with XXXX of storage billed in XXXX amounts of {$1700.00}. I returned the XXXX phones as the incorrect storage models were given ( XXXX ). I patiently waited for the XXXX to return the XXXX phones until they had an issue with the delivery. The item was never updated after " in-transit status had been given '' You may see this on XXXX yourself. XXXX is the tracking number from the label XXXX provided for the return. I contacted XXXX XXXX several times trying to resolve this situation. They stated they would provide replacement XXXX. They were never issued. I called one last time and they stated my best chance was to call XXXX and have them open a claim for the missing package. I contacted XXXX trace dept. and they said they can not pursue a claim as they have a freight agreement between XXXX and XXXX that prevents such. I even recieved a physical letter stating such by XXXX which I can upload. I contacted Paypal and filed XXXX claims with them for both amounts of {$1700.00} for the XXXX XXXX This is because XXXX bills the phones separately. For both claims, I provided Paypal the Shipping label that XXXX provided for the return, I provided the tracking number by XXXX stating the return had be made, but due to XXXX issues that XXXX had to pursue their agreement with XXXX in order to make a claim. The first case XXXX was denied due to Paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' Yes the return could not be finalized aforementioned reasons... The XXXX Paypal case of XXXX, On XX/XX/XXXX, I recieved a message stating that they would look into this and issued a Provisional Credit. Their credit was issued as a Refund under my Bank statement. First, this is a major issue. If a refund is issued to my financial institution and I lose the case with paypal, that means I would not be able to pursue it with my Bank XXXX. because they will see the merchant refunded my money and can not dispute the transaction any further. As expect on XX/XX/XXXX they denied my case XXXX XXXX paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' They did not contact me or call me to provide them any details they may have been concerned about as I elaborated best I could, but they refused to provide best effort. On XX/XX/XXXX, Paypal attempted to rebill me for {$1700.00} from my debit card on file. I did not allow this, because if I were to dispute the transaction it would be with Paypal themselves and not XXXX. Therefore Paypal billed me via account balance on Paypal. This caused weeks of headache, trying to explain to my Financial institution that Paypal issued a temporary credit and NOT a refund, but due to XXXX inability to label the transaction as a Temporary credit, XXXX could not provide me an consumer protection. I called paypal Multiple times and they stated I would have to reach out to XXXX to have them contact their dispute department. I asked them for e-mail, address information that XXXX could use to contact their department. They stated that since they are a back office, they can not provide any contact information. So to sum it up, I can not pursue a dispute with XXXX because Paypal issued a temporary credit as a refund, Refused to understand my situation with the claim, Then completely invalidated my consumer protection because XXXX saw that Paypal Issued a refund in the amount of {$1700.00} for the original transaction placed on XX/XX/XXXX. Then attempted to rebill me for that amount, as stated, if I let paypal bill me, I couldn't pursue a dispute via my financial institutions as it is a " debt '' that paypal is recollecting and not something the XXXX XXXX XXXX has any control over. The provided documentation attached are as follows. XXXX Issuance of Temp Credit.pdf - Shows where paypal issued " Temporary Credit '' XXXX Case Denial.pdf - Paypal denying my case for " invalid tracking '' XXXX notice of debit.pdf - Notice of paypal Rebill for the " refund '' they sent me XXXX - My personal bank statement detailing Paypal 's inability to label the transaction as a Temporary credit for the amount of {$1700.00} on XX/XX/XXXX XXXX XXXX XXXX - Tracking that is verifiable XXXX Return Label.pdf - XXXX return label for the XXXX XXXX XXXX Declined Transactions.pdf - The attempt to rebill me, which they actually reference it is a reversal of temporary credit, but they could do that for the issuance??? Account Activity Paypal Case.pdf - Note how Paypal labels it as a refund reversal? How is this not a breach of consumer protection.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was asked by a friend to download VENMO to receive funds from him, so I did so, my friend then sent me the funds, but when I tried to get the funds VENMO had frozen the account, mind you I was broken down at XXXX with XXXX grandchildren in the car a XXXX, XXXX, I had just opened the account what could have gone wrong, I parked the car and proceeded to retrieve my money to no avail, the one CSR told me it would be investigated but that it could take up to 7 days to correct, if I hadn't needed that money I wouldn't have downloaded this XXXX app, Sincerely XXXX XXXX, XXXX, XXXX.
Company Response:
State: FL
Zip: 33852
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I believe that it was a mistake to close/permanently limiting my paypal account. I am using my paypal account for trading as my way of helping the children to provide their needs in their school materials and expenses. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God Bless. For Identity verification, I attached my Valid ID. Please see attachment.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have been a PayPal user for a while only for me to receive payment on faithful Sunday and PayPal asked for some documents of which I presented but only for me to see that my account has been permanently blocked and my fund held for 180 days
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had access to my email after some time and saw a mail from PayPal dated XX/XX/2022, that my account has been permanently limited. When I logged into the account, I saw that it was true my account has been limited. I seem not to Understand why my account could be limited cause I don't usually use the account often and demand for explanation and in the same vain Call for its reactivation. My account is full verified and I can say for sure poises no threat nor in violation.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a paypal debit card. I live in XXXX XXXX, XXXX. due to typhoon odette, around XX/XX/2021, the city suffered a city wide blackout, fuel shortage, and telecom blackout. I went to an ATM at XXXX XXXX to attempt to obtain cash to pay for food. hundreds of people were in line at the atms. I went into the mall, and found an atm I frequently used, there was no line. I attempted to withdraw XXXX XXXX ( {$200.00} ). the machine did not dispense any money, nor did it give an error. I kept the receipt. immediately, I made a 2nd attempt. it gave an error for transaction denied or otherwise. no money was disbursed. I did not receive any money from this transaction. when we had electricity again, I borrowed a cell based internet device and disputed the error online with paypal. there is no option for 'did not receive cash ', so I selected something similar. I wrote i the small box that I did not receive the money. paypal did not investigate whether i received the money. they only investigated if the dollar amount for the transaction at paypal matched the dollar amount at the bank, what I requested. they did not investigate my claim that the funds were not disbursed, clearly written by me in the dispute. there is no way to appeal, the chat / contact system did not allow me to speak to a person or leave a message. paypal did not disclose to me in accordance with 1005.11 ( c ) ( 4 ) that I had a right to request the documents used in making the decision. I do not have any of the documents used in making the decision. I wrote letter to paypal XX/XX/XXXX which was not responded to. I chatted with them online and they refused to assist me, and gave a false reason. they merely state that the atm was reported to be functional, which is clearly a lie, because the city was in the middle of a city wide blackout, and gas stations were closed, they had no way of putting cash in the atms because there was no fuel for any vehicle to deliver the cash. all stores were closed. there was power at the mall where the atm was located, but all the stores were closed. I did not receive the money. I demand a full refund of {$200.00}.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got a text message in my XXXX saying that " VenmoAlert : You recently attached your checking account to Venmo for a transaction of {$720.00}. Contact Customer Care XXXX if not initiated by you. I called the number and they got access to my banking account.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A