Date Received: 2022-05-16
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 My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes.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: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have a personal account in PayPal from XXXX I deal with it on a daily basis until XXXX PayPal upgraded my account to Premium I have an account manager and follow up on my account periodically UntiXXXX XXXX month XXXX My PayPal closed my account and it was XXXX XXXX dollars I contacted them a lot to understand the issue and explained the reason to me, but they did not give me any clear information and they told me that I should go to any other bank to deal with it And they told me that the money will be withdrawn to my bank account 180 days after closing the account 170 days have passed and then all my balance was deducted and the money was transferred to the benefit of Paypal Without any right, they take your money I called them a lot but they don't get any response or response unfortunately
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/XXXX, my PayPal accounts were permanently limited with the statement that " we found potential risk associated with it. '' This frustratingly vague statement has led to a year and a half of aggravation with PayPal and I think the story should be made public so that PayPal can be held to account for their various misbehaviors in this matter in some form or another. I initially embarked on the complaints process with PayPal having virtually no visibility into why I was even banned in the first place ( mistakenly believing it was an issue with my Venmo account ). It required an arbitration proceeding with PayPal to discover any of the facts surrounding my dismissal from the platform, and I believe that those facts are important to the public discourse and why I'm including them here. In the process of that arbitration, PayPal ( by virtue of a sworn declaration ) stated that I was banned on XX/XX/XXXX for " two transactions that occurred in XXXX of XXXX. '' They stated that these transactions violated their " Acceptable Use Policy '' which states ( in part ) as follows : " [ A user ] may not use the PayPal service for activities that ... violate any law, statute, ordinance or regulation [ or ] relate to transactions involving ( a ) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, ( b ) drug paraphernalia, ( c ) cigarettes, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, XXXX, XXXX or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, firearms, or certain firearm parts or accessories, or ( k ) certain weapons or knives regulated under applicable law. '' I was, at the time, engaged in a relationship with a woman in the XXXX and I can only guess that they allege this violated either the " items that are considered obscene '' or " certain XXXX oriented materials or services '' aspects, but those items are themselves very broad and very vague so that no user can reasonably note the scope of those terms at the time of agreement without some guidance being provided by PayPal themselves ; it doesn't matter, as the arbitrator dismissed the case without having PayPal divulge anything more that " two transactions in XXXX of XXXX. '' In any event, the fact that users have to play guessing games after the fact to understand what PayPal considers to be a violation of their Acceptable Use Policy is, at the very best, a massive failure on the part of PayPal to properly communicate the scope of their own rules so that customers understand what they are agreeing to. For example, " the promotion of hate, XXXX, XXXX or other forms of intolerance '' has been used to ban public figures like XXXX XXXX from their platform for conduct that, in its most favorable light to PayPal, took place off of their platform. This kind of conduct, especially given PayPal 's size in the market place, is predatory and the fact that they can make these determinations at their sole discretion without having to account for those decisions in any manner at all makes it even more so. In my case, they attempted to scare the arbitrator off the question of the underlying merits by arguing that the Bank Secrecy Act barred their revealing the reasons ( and were successful in doing so ), but the Bank Secrecy Act only bars PayPal from revealing whether a suspicious activity report was filed ( or providing information that reveals whether one was or wasn't filed ). They have perverted the scope of that act to serve as a giant shield behind which they can act in any predatory manner they see fit, and again, because their terms are so vague that consumers do not appreciate the one-sidedness of the agreement they're making at the time they open their PayPal account XXXX this behavior makes PayPal 's contract all the more unconscionable to consumers. This delay in action ( from XXXX of XXXX to XXXX of XXXX ) is especially troubling because the account, by PayPal 's own User Agreement, should have been flagged as a dormant account and closed. As stated in the User Agreement, " [ i ] f you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Cash Account to your primary address ... '' The account had been dormant with a {$0.00} balance for 934 days at the time of the limitation, well in excess of the twXXXX year threshold for dormancy. I also had another older account that, at the time of the limitation, had been dormant for over 7 years and again, they failed to close the account as dormant. They stated in the arbitration that the dormancy of the account had nothing to do with the limitation, but it also begs the question of why the accounts were allowed to stay open given their dormant status, and why a dormant account was used as the basis for a permanent limitation. They have refused to answer that complaint, but again this highlights the predatory nature of their services. In addressing the delay, PayPal argued to the arbitrator that " any length of time is of no import '' but that statement violates public policy. The User Agreement is governed by Delaware law, and under Delaware common law, contract parties may not agree to circumvent any statute that is made in the public interests, such as a statute of limitations. They argued ( and the arbitrator agreed ) that their contract allows them to do so, which means that at least under one arbitrator 's view, PayPal 's contract as written allows them unlimited time to identify and act on alleged breaches of the contract. This is in clear violation of Delaware public policy and again, consumers do not understand when they enter into agreement with PayPal that they are effectively signing away their rights to even something as basic as a statute of limitations. Also in addressing the delay, PayPal argued in the arbitration that the XXXX of XXXX transactions " over time revealed themselves to be specific acceptable use policy violations '' but again that statement makes absolutely no sense, for several reasons. First, they state that they perform routine security scans to ensure compliance with the User Agreement. That account was dormant, so they had the complete set of transactions for over two and a half years and presumably performed their routine security scans over that time, and determined the use was acceptable use at the time. Second, as stated the account was itself dormant and should have been closed according to PayPal 's own contract, so why were they seeking to investigate a dormant account that should have been closed in the first place? Third, given that the account I had currently been using was not engaged in any such transactions, given the extreme length of time involved, and given that PayPal routinely allows other users to provide additional information to " mitigate the risk '' they find, the fact that I wasn't ever allowed to do so makes their determination seem arbitrary and inconsistent with the treatment other users receive. Which leads me to the final matter. I could simply walk away from PayPal, and would love to do so, but here 's the best bit : when they permanently limit your account, they will no longer allow you to close that account. The account that was dormant for over 7 years and wasn't closed now can not be closed. The account that was dormant for around XXXX and a half years and wasn't closed now can not be closed. The account that I requested PayPal close on XX/XX/XXXX in a phone call that they failed to close also now can not be closed. So a user that gets permanently limited is now *forced* to remain a PayPal customer in perpetuity against their will, and the best part is that the only way to inform PayPal you do not agree to updates to their policies is by closing your account, which I now can not even do. Their contract now literally forces me to agree to all updates from now until presumably the end of time ( unless they close my accounts for me, which again they've so far refused to do ) without any avenue for expressing my disagreement, and again that's a one-sidedness that consumers do not appreciate at the time they agree to the User Agreement. PayPal 's conduct in the treatment of my accounts has been predatory and their stubbornness in addressing my complaints, and even going to the great lengths to argue in arbitration for positions that violate clear public policy, goes to show that their contract is so one-sided for consumers as to be oppressive, and should be updated to make clear to consumers how much power PayPal is being granted.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Last XX/XX/XXXX I jus received this email from PayPal I've been using this account since mid last year. After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of unapproved file sharing services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds. If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Im getting daily emails and text messages stating that my PayPal account is at risk. I dont have a PayPal account and I never have I can send you photos of text message and the number attached I dont open your follow the link I just took a snapshot of it on my phone.
Company Response:
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021, I received {$50.00} for a lamp that a woman purchased from me. Her son picked it up the same day without issues. After a week she started complaining that the lamp took out her entire apartments fuses and that it is faulty. I claimed that the lamp had been working fine and literally plugged out and gave it to her son. I told her, I can take back the lamp and replace it with another that I also had ( I was selling both, she just needed one ). She started claiming that me and my wife are scary people and she wouldnt want to deal with us and is scared to meet us. I told her, she doesnt have to meet us, she can drop the lamp off with my buildings front desk and we will reverse the transaction. She kept insisting meeting at the police station which I didnt want to have to deal with ( she could throw a tantrum and wed have no way to defend ourselves and it didnt seem worth for {$50.00} ). So we said if she cant return it the way she picked it up, we cant reverse the money to her. She has paid me through Venmo on XX/XX/2021. On XX/XX/XXXX I noticed that XXXX dollar had been deducted from my account by Venmo. I tried to reach them in any which way possible to see how they could conduct a transaction on my behalf without my consent. After reviewing the case they told me that Venmo is meant for friends and family who trust each other to transfer money between. This should also apply to the woman who made this claim and based on her account of events, Venmo shouldnt also have the right to reverse this transaction without my consent. I have raised 2 dispute cases with Venmo and each time they told me I was in the wrong.
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I believe that it was a mistake to close/permanently unable my PayPal account XXXX I am using my Paypal account for my online business/jobs - Encoding tasks and accounting consultation of selected companies since 2021. My Paypal accounts ' funds, XXXX and XXXXXXXX XXXX XXXX have been stuck in it that I have to withdraw asap for emergency purposes. Thru your benevolence, I am hoping that I will get back my account and be able to withdraw my funds. Thank you and Godbless. For Identity verification, I attached my Valid ID. Please see the attachment.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have been using PayPal for few years now until recently they decided to permanently limit my account for 180 days with some dollars in it. They later asked me for documents to verify my identity of which i sent and they sent me an email that they have approved my documents. Surprisingly enough they did not lift my ban because I can not transact. It was very unfair limitation and I needed the money urgently.
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Last XX/XX/2022 PayPal permanently close my account. I believe that it was a mistake to close my account because I am using it for online business ( Selling stories, typing jobs ) to sustain our financial needs especially my son because I'm a single mom. My PayPal account ( XXXX ) has a stucked funds in it that I have to withdraw asap for my son 's XXXX birthday and other emergency purposes. I am hoping that you could help me to get back my account and able to withdraw my money. Thank you so much and God Bless. Kindly see attached file for verification
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
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 XXXX XXXX XXXX since XXXX. My paypal account : ( XXXX ) has stucked funds in it that I have to withdraw asap for emergency purposes. I am very hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. For Identity verification, I attached my Valid ID. Please see the attachment. Here are the details of my transactions : XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$170.00} USD - {$1.00} - {$170.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$170.00} USD - {$1.00} - {$170.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX XXXXXXXX XXXX XXXX CompletedShipped Completed {$7.00} USD - {$0.00} {$6.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$79.00} USD - {$0.00} - {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$79.00} USD - {$0.00} - {$79.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$83.00} USD - {$3.00} {$79.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed- {$11.00} USD - {$0.00} - {$12.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$11.00} USD - {$0.00} - {$12.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$12.00} USD - {$0.00} {$12.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$89.00} USD - {$4.00} {$85.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XX/XX/XXXX Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Denied- {$72.00} USD - {$0.00} - {$73.00} XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$76.00} USD - {$3.00} {$73.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment from XXXX XXXX CompletedShipped Completed {$79.00} USD - {$3.00} {$75.00} XXXX XX/XX/XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XX/XX/XXXX i Transfer ( Credit ) to XXXX XXXX Balance Completed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX i Transfer ( Debit ) from U.S. Dollar Balance Completed- {$66.00} USD {$0.00} - {$66.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$69.00} USD - {$3.00} {$66.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$16.00} USD {$0.00} - {$16.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$17.00} USD - {$1.00} {$16.00} XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$46.00} USD {$0.00} - {$46.00} XXXX XXXX XXXX Payment from XXXX XXXX Shipped {$34.00} USD - {$1.00} {$33.00} XXXX XXXX XXXX Payment from CompletedShipped Completed {$48.00} USD - {$2.00} {$46.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$87.00} USD {$0.00} - {$87.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$14.00} USD - {$0.00} {$13.00} XXXX XXXX XXXX Payment to XXXX XXXX XXXX XXXX- {$3.00} USD {$0.00} - {$3.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bill To XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$76.00} USD - {$3.00} {$73.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$66.00} USD {$0.00} - {$66.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$41.00} USD - {$2.00} {$39.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$27.00} USD - {$1.00} {$26.00} XXXX XXXX XXXX Instant Withdraw to Debit Card Completed XXXX PHP XXXX XXXX XXXX XXXX XXXX XXXX Transfer ( Credit ) to XXXX XXXX Balance Completed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transfer ( Debit ) from U.S. Dollar Balance Completed- {$31.00} USD {$0.00} - {$31.00} XXXX XXXX XXXX Payment from XXXX XXXX CompletedShipped Completed {$14.00} USD - {$0.00} {$13.00}
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A