Date Received: 2022-04-15
Issue: Received a loan you didn't apply for
Subissue:
Consumer Complaint: Apparently in XXXX, I opened a PayPal account and as of XX/XX/XXXX I owed XXXX XXXX XXXX XXXX is the debt collector. I have disputed it and a police report was made I definitely did not or ever have used PayPal. XXXX XXXX asked questions. the address, email and phone number are not mine but my XXXX was a match
Company Response:
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I used PayPal to send money to XXXX XXXX at XXXX XXXX XXXX. I looked up XXXX account and sent the {$900.00} dollars using PayPal accessing my bank account for an ACH transfer. I called XXXX and asled if he received the money and was informed he did not. I contacted PayPal and was told the XXXX I sent the money to was the wrong XXXX XXXX, the money went to XXXX. PayPasl said I would need to request a stop payment form my bank XXXX and Paypal will notify XXXX to refund the funds. I contacted XXXX and paid for the stop payment, the ACH was refunded and I thought the was resolved. Once PayPal was notified of the stop payment and the money was not sent, paypal used my XXXX credit card on file and paid XXXX XXXX I sent Paypal a dispute and they denied both claims.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: Around XX/XX/XXXX, I was looking to buy a XXXX account to play XXXX XXXX, and I found a person online who was selling their account. I messaged them on discord and we started talking about how the transaction would go, like the cost of the account, the payment method, and what I would be buying. About a week after we first met, we actually went through with it, and I paid {$400.00} through a supposed middleman, which I later realized was an impersonator. The seller pretended to have issues with the account and basically said that we'd have to wait an extra day or two to finish the transaction. I didn't think much of it and agreed. A few hours later, they said that they had gotten more stuff on the account and wanted to add more money to the transaction, and after a few hours of wheedling, I agreed because I thought I had already paid for the middleman so I wanted to just get it over with. At this point they essentially just ghosted me, and stopped responding. It was around here I realized that the middleman they had found was most likely just them on an alternate account. I tried to get a refund through paypal since that was the payment method, but PayPal doesn't have any protection against scams if you use the friends and family option, which is what I had used to pay. I then filed a complaint for the first half of the transaction, which was approved, but I forgot to open a complaint for the second one and am currently waiting for a response for it. The only proof I have are the transactions I made on paypal, and the discord chat logs, which I have attached as my proof.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
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: XX/XX/2022, {$790.00} I disputed a charge that was originally cancelled and got charged again for {$790.00} since then I filed a dispute with my bank as well as sent out a message to the seller who since blocked me on all of her platform. Paypal sided with the seller when its clearly i got scammed by the seller. This purchase was a educational group where you pay a subscription to enroll and I am not in the group which i paid for.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Good day! I'm from the XXXX and a freelancer. I've been using Paypal for XXXX years and now, they're suddenly closing my account saying I'm engaged in selling XXXX content/materials which I'm not aware of. I've only been using Paypal to purchase games or for receiving salary from my US employer ( I'm working remotely ). I'm not sure if this complaint should go here, I just want to give it a try and make an appeal. I've asked them for the specific transaction they're flagging, but they keep saying that they can't provide further detail. I know you can help me out as this payment method is important to me for all my transactions as a freelancer. Thank you!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
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: This is quite complicated. It is better if you read it with the pictures attached, so I prepared a small webpage ( but I will still include just the text below this link ) : XXXX XXXX XXXXXXXX/PaypalXXXX ****************************************************************************************** In early XXXX I purchased a XXXX XXXX from XXXX. When it was time to pay, I clicked on their Paypal payment button and it guided me to several ways to pay. I chose. So when I changed over to XXXX I selected a XXXX and when it came time to pay, I clicked on their Paypal payment button. I expected XXXX to be as good as XXXX and allow me to choose HOW I WANTED to pay, but all XXXX broke loose! Instead of allowing me to choose which credit card I wanted to pay with, ( as XXXX did ) they automatically paid it with my XXXX XXXX XXXX account. WHICH I HAD DISCONTINUED AS A PAYMENT OPTION!!! ( I would have previously taken XXXX XXXX OFF OF PAYPAL, but Paypal requires a bank account to be listed and Paypal would NOT let me take XXXX XXXX oFF! - so XXXX XXXX was left on Paypal- BUT I NEVER EXPECTED PAYPAL TO AUTOMATICALLY TRY TO GET MONEY FROM IT!!!! ) As soon as I realized that they were charging the XXXX bill to my unusable XXXX XXXX account, I hurriedly CALLED PAYPAL but they are very difficult to get on the line, with a typical wait of an hour ( they probably have the worst Customer Service in the world )! So I hung up and I opened my XXXX account and I went ahead and PAID MY XXXX BILL WITH MY XXXX XXXX CREDIT CARD. Then I got back on the phone and after a long wait, I said to the Paypal woman, " Since there's no money in the XXXX XXXX account, I paid Freelancer with my XXXX XXXX Credit Card. You need to change the NOT PAID to PAID. She told me that she couldn't do that, because with an automatic payment, if the Paypal customer has inadequate funds, PAYPAL ITSELF GOES AHEAD AND PAYS THE FEE! SO XXXX HAS ALREADY BEEN PAID NOT ONLY BY YOUR CREDIT CARD BUT BY PAYPAL : THERE'S A DOUBLE PAYMENT AT XXXX! '' She told me I needed to contact XXXX and have them REFUND THE MONEY THAT PAYPAL HAD PAID THEM. She said my Paypal account would continue to show a negative unpaid balance until this money was refunded. Once refunded, that would settle the issue. WHICH IS LOGICAL... This took me the next 3 weeks or so to get XXXX to REFUND THE MONEY BACK INTO MY PAYPAL ACCOUNT. ( Freelancer.com is also a MESS TO WORK WITH!!! This is the 4th big problem I've had with XXXX! Years ago, I'd go to pay for a XXXX and their button would do nothing. So I thought I hadn't paid, or it hadn't processed, so I'd click the button a 2nd or 3rd time. Then found out that it was charging me TWO TIMES FOR THE SAME TRANSACTION. THEN I'D HAVE A XXXX OF A TIME GETTING MY MONEY BACK FROM PAYPAL!!! ) On XX/XX/XXXX, I finally saw the REFUND FROM XXXX concerning this latest nightmare : [ REFUND Picture goes here ] Logically, since XXXX WAS PAID ( FROM ME BY XXXX XXXX, WHICH I CAN PROVE IF YOU REQUIRE EVIDENCE THAT IT WAS PAID- BUT I HAVE NOT PROVIDED IN THIS LETTER ) AND SINCE PAYPAL NOW HAD AND HAS THE {$200.00} USD IN MY PAYPAL ACCOUNT, you would think the issue is over. But after a week of seeing that my account was still in the negative ( they had not taken the money!!! ) and after receiving an email that I owe an unpaid balance of {$200.00}, I called Paypal and after a long wait, I explained to the rep that the money is there : get it and change the amount unpaid to paid. ( Note : over the last 2 months I have called Paypal probably a dozen times about this, so I can not remember each conversation exactly. ) But these reps hee-haw around, acting like they can not do anything. Several times I have been put on long holds, as they supposedly transferred me to someone who could resolve it, and at least a couple times THAT person would also put me on a long cellphone hold as they again transferred me to someone else who was supposed to resolve the issue! No one at Paypal wants ( OR CAN??? ) take the money that XXXX has refunded ( SEE THE EVIDENCE ABOVE ) and finally after sending me many emails reminding me that I have an unpaid balance, and after several phone calls, they told me that my account had been turned over to COLLECTIONS. At last, I thought, I can get it settled! But the collections rep was also very firm and committed to getting me to pay an ADDITIONAL {$200.00} BESIDES THE {$200.00} THAT IS ALREADY THERE!!! ( AT THIS POINT I STARTED WONDERING IF SOMEONE AT PAYPAL HAS EMBEZZELED THAT MONEY??? THAT IS MY REFUND ( OR RATHER PAYPAL 'S REFUND FROM XXXX???? ) The REFUND shows that it is there, that it WAS REFUNDED- BUT PAYPAL SEEMS TO IGNORE IT!!! After arguing with the Paypal Collections ( who I thought would resolve all of this ) I asked for their phone number XXXX and I tried talking to the rep 's supervisor ( if I recall correctly? ) But that person also was unworkable and firm in trying to get me to pay an additional {$200.00} ( 1- I had already paid {$200.00} to XXXX ; and 2- I didn't and don't currently have an extra {$200.00} to pay it a second time ; and 3- several reps have told me if I pay it - THEN THEY WILL REFUND THE {$200.00} THAT THEY CAN SEE IS IN MY ACCOUNT BACK TO ME!!! ( ( ( ( TALK ABOUT IDIOTIC!!!!!! They expect me to pay them with money that is already there, and then they will pay me back the {$200.00} that I ahve sent to them!!! ) ) ) ) I have repeateDly trieD to finD a smart person at Paypal to logically take the REFUND THAT IS THERE. I can find no one at Paypal with XXXX on them... They continue to insist that I pay it again, and they continue to send me email after email stating that I have an unpaid transaction that needs to be paid. About a month ago I decided to call Paypal again. This time the rep told me that the " REFUND FROM XXXX '' had been paid to me. I told her that there is no {$200.00} record in either my XXXX XXXX account OR in my XXXX XXXX account. She was NOT disbelieving and hard to work with as the other previous reps had been. She was polite and really tried to solve my problem and said she would put a " TRACE '' on what happened to the money REFUND and that Paypal would contact me and let me know what happened to that {$200.00} REFUND that they say they've refunded back to me... THAT WAS OVER A MONTH AGO. I HAVE NEVER HEARD ANYTHING ABOUT THAT " TRACE '' But I continue to receive harassing emails saying I have an unpaid balance that needs to be paid by me. When will this Paypal idiotic nightmare be resolved? Can you help or do anything to help this to get resolved? Are they going to ruin my credit rating? Or have they already diminished my credit? sincerely, XXXX XX/XX/2022 XXXX XXX-XXX-XXXX
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the Venmo receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with Venmo but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through Venmo and they knew Venmo wouldnt help me. Now on XXXX website is says, Dont worry we have your back! That payments are protected!
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: They refuse to help me get my money. They will not allow me the ability to transfer the money nor close my account. I want my money plus interest every day They delay this.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have a balance in my paypal account and I want to transfer it into my bank account, but paypal keeps telling me there's a problem and they can't complete the transaction, without saying what's the problem. I tried its online assistant, but no such topic at all and not allowed to type this problem. I even can't find their email address to report this problem and their phone customer service was terrible. I just want to withdraw my money, if there is a problem, please indicate what's the problem, rather than just repeating 'there is a problem like an XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Paid a friend a bill for {$300.00} through PayPal, got a notification several days later that the bank denied the payment when they tried to collect. I tried it again and also called the bank which assured me there was no problem on their end, however the same thing happened another two times. Also sat on hold for a half hour with no answer. The other day I get a letter in the mail from a collection agency for the {$300.00}. I was livid, so I contacted PayPal again because it wasn't accepting my bank account or debit card. I was finally able to request money from myself for lack of a better term to add to my negative balance and pay it off. Today I have discovered they have not only charged me for that, but they have charged me an additional payment of {$300.00}. I have filed a dispute with XXXX XXXX. I feel that somebody from PayPal needs to get back to me on this because this has been unacceptable.
Company Response:
State: NH
Zip: 03038
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A