Date Received: 2022-05-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: A buyer purchased {$120.00} worth of XXXX XXXX cookies from me and paid for them via Venmo on XX/XX/2022. The cookies were delivered to the buyer on XX/XX/2022. On XX/XX/2022, Venmo received a notification that the buyer did not make the charge and was issued the {$120.00} back. This put a freeze on my Venmo account as the money was already transferred out of my Venmo account and into my bank account. I questioned the buyer as to why she disputed the charge, and she informed me that her boyfriend went into their joint account and fraudulently disputed the charge because he was upset with her about a custody dispute. She informed me that she was trying to work with her bank to have the issue resolved, but she did nothing. She stated that she had to go to her bank in XXXX in person to sign paperwork in order to address this, which I believe is a lie. I don't believe she's at all attempted to resolve this. I've tried to work with Venmo to have my account unlocked since the dispute needs to be with the buyer, not with me. I've supplied evidence in the form of screenshots of my conversation with the buyer outlining her asking for my Venmo account information, paying for the cookies, proving we met for me to deliver the cookies to her, and her admitting the chargeback was fraudulent. Venmo will not unfreeze the account because they say they've tried to dispute it with the buyer 's bank, but the bank is in favor of the buyer and there is nothing more than can do. I don't believe they've even reviewed the evidence I've provided and Venmo will not put me in contact with the individual who supposedly reviewed everything to explain how they came to the determination that I am in the wrong. I am attaching the screenshots of my conversation with the buyer and below outlines where the evidence can be found in this document. On page XXXX of the PDF, it shows the buyer asking for my Venmo information which I provided to her. She also indicates that she paid the {$120.00} and I confirmed I received the payment On pages XXXX of the PDF, it shows the buyer and I speaking about dropping off the cookies. She confirms her address and also states that she is " coming outside '' to meet me and that she sees my car on page XXXX indicating I showed up and delivered her cookies. On pages XXXX of the PDF, I ask the buyer about the dispute for {$120.00}. When I asked her why she is disputing the charge she responded that she " didn't [ p ] ut it in. '' On page XXXX of the PDF, she states that her " ex called [ her ] bank and [ p ] ut a freeze on some of [ her ] transactions '' and that she is " trying to contact the bank. '' She goes on to say that she is working with her bank and on page XXXX of the PDF says she needs to " go down to XXXX for [ her ] bank to talk to them and sign papers to try and get this fixed. '' This proves that the chargeback was, in fact, fraudulent. On page XXXX of the PDF, I've included a screenshot of my Venmo account indicating that she made the {$120.00} payment and marked it as " cookies '' indicating she was fully aware of what she was paying for.
Company Response:
State: PA
Zip: 18062
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. ( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. I receive the email stating I can not withdraw my money ever.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Ive been using my paypal account for selling " XXXX '' on XXXX. I used it for my payment method. But suddenly, My paypal has been permanently limited for no reason. I believe it was a mistake. So I am writing this to consumerfinance to help me escalate this on Paypal. my paypal email : XXXX Please see attached files.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made on-line purchase of TV on XXXX XXXXXXXX XXXX Since the vendorXXXX XXXX, is not well-known, I choose pay it through the Paypal ( Transaction ID : XXXX ). Once the payment was made, I had bad feeling because no confirmation or schedule delivery email was received. I contacted Paypal to cancel the payment but was told the transaction is not ineligible purchase protection. There is no warming or option of selecting such protection when I made purchase. I made purchase based on assumption of big company like Paypal would block fraud. As of today, no any response from XXXX and contact email. The seller didn't make any attempt to deliver the goods. It is a fraud and swindler. I tried to alert the Paypal. Its response is that the case is closed. I would like bring your attention to Paypal covered swindlers and am wondering how many victims out there.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal closed my account after I had just received money from XXXX. They asked for proof of Identity and I sent my National Identification card and a copy of my bank statement. I have tried to contact them but they are always answering with the bot. Now I have finished making the client XXXX design but my payment is being held by Paypal and they refuse to respond even after I have tried all means to contact them
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I opened paypal so that i be using it pay my bills,. I used it only XXXX times but later limited me from using it.. I Don't know why that happened
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal once again closed/permanently limited my account for no valid reason ( a day ago ) ..Tried to submit some valid documents but they just declined and suddenly blocked my account. Many times tried to ask or beg to reopen or atleast to release my money inside the account ( everything the stories i told to them ) but no sense at all ... Those little money just i worked hard for some online transactions so i won't see anything wrong with that..My PayPal account : XXXX. Thanks and regards..
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON XX/XX/XXXX, I recd a msg supposedly from XXXX, who I have never used or signed up for that they dectected unauthorized activity. they wanted me to use http : XXXX to contact them. I did not respond. On XX/XX/XXXX I recd another msg from pay-pal, same msg, same email address. Today, I recd a msg. from paypal.com same msg and telling me to take the steps requested. this address is XXXX. As I stated, I dont use paypal but the last four digits are part of my Social Security #/ I am sure this is another scam and haven't responded to it. I have also in the past reported false claims of the same nature supposedly from XXXX.
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I bought a spare part for a car on XXXX with a tracking number that was delivered but I did not receive anything. I opened a dispute on XXXX, XXXX decided it in favor of the seller. I dont agree with this nonsense, since the seller is responsible for the delivery and the seller must open a dispute with the delivery company or request insurance. Then I decided to open a dispute on PayPal, since I paid with a credit card, PayPal closes the dispute in favor of the seller, referring to the tracking number that the spare part was delivered and ignoring that I indicate that I do not receive anything!!! I demand my money back. XXXX Item not received Closed {$430.00} USD XX/XX/2022 XX/XX/2022 2022
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A