Date Received: 2022-02-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022, I sent a friend {$1000.00} using PayPal. PayPal decided it was suspicious activity and put a freeze on my friend 's account. I asked my friend to refund the money and I would try a wire transfer through my bank instead. My friend was unable to initiate a refund. When PayPal puts a freeze on an account they take away the option to refund a payment. They asked my friend to provide several documents to prove legitimacy and decided they did not like what was provided and permanently closed my friend 's account on XX/XX/2022. Instead of sending the {$1000.00} back to me as the originator, PayPal has simply kept the money. I have called several times and only gotten automatic voice messages without ever reaching an actual person. I have left them messages and their response was my friend must provide the documentation to clear their account. They refused to initiate a refund and said that was not possible. They literally have {$1000.00} of my money that never reached the intended recipient and instead of returning it to me, the sender, they are keeping it. I don't know how this is even legal.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe PayPal {$120.00}, reference # XXXX, acct # XXXX. The " debt '' was submitted by XXXX XXXX XXXX XXXX. I went out to PayPal and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used PayPal for in the past XXXX years ). They show no other outstanding payment issues. Attached is a photo of the letter referenced above. Please advise regarding next steps to handle this fraudulent claim. XXXX XXXX
Company Response:
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a letter in the mail from XXXX XXXX XXXX XXXX. It says I owe {$910.00} It says the creditor is Paypal. It gave some long weird acct number This is definitely false. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/XXXX, I promptly caught an unauthorized fraudulent charge on my PayPal XXXX ( Virtual credit card number ) and it was subsequently dropped by the fraudulent vendor and never charged ( see attached Ex 3 ). The PayPal agent suggested I delete the PayPal XXXX and he reassured me that it would be reissued and recovered in my account which was also stated in an email I received from PayPal ( see attached Ex 1 ) Furthermore, on XX/XX/XXXX the PayPal XXXX button reappeared on my phone app but when I clicked on it to reinstate my PayPal XXXX it went into a loop. ( see attached Ex 2 ) Unfortunately PayPal 's overseas customer service agents can't help me and this is why I'm filing a complaint. They messaged that I have to establish a relationship to get a PayPal XXXX but I have already had one for a while and have been an active customer since XXXX! They told me and sent an email in writing that I can reinstate the PayPal XXXX but are not honoring their word! ( see attached Ex1 ). Furthermore, the PayPal XXXX consumer rights are ambiguous and totally unclear. How can they recommend me to delete my PayPal XXXX and yet be unwilling to reinstate it? That is in effect punishing consumers for doing the right thing! All I want is my PayPal XXXX functionality reinstated so I can get a new PayPal XXXX number. .
Company Response:
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have an account in PayPal. On XX/XX/XXXX I decided to pay with my PayPal account, for service ( airplane tickets ) provided an online travel agency, the amount of XXXX USD ( XXXX EUR ). The transaction is registered in PayPal under number XXXX. To complete the transaction PayPal used my available balance ( XXXX USD ) and the difference ( XXXX USD ) was withdrawn from a credit card ( ending in XXXX ), which I have not authorized PayPal to use. On XX/XX/XXXX, I have added the card ( ending in XXXX ) that was valid thru XX/XX/XXXX to my PayPal account. When the card validity expired, I have not taken any actions to renew the details of the card in PayPal, and to grant authorization for using the new card that is valid thru XX/XX/XXXX. Anyway, the renewed card was used by PayPal in transaction XXXX. According to the PayPal 's User Agreement effective from XX/XX/XXXX ( attached in the present complaint, also available on the following URL XXXX XXXX XXXX ), at the time the old card had expired, the following terms applied to linking and unlinking credit cards to a PayPal account XXXX ********* Link or Unlink a Payment Method You can link or unlink a credit card, debit card or a bank account to your PayPal account as a payment method. Please keep your payment method information current ( i.e. credit card number and expiration date ). If this information changes, we may update it using information and third party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your payment method from your PayPal account. If we update your payment method, we will keep any preference setting attached to such payment method. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. ********* According to this agreement, PayPal may only update the credit card number and the expiration date. It is not stated that PayPal may update the card security code ( CSC ) of the card, which is necessary for verification and making online transactions with the respective card. Also according to this agreement, I, as an user, may choose to confirm the ( updated ) card, so that PayPal can verify that the card is valid. I have never confirmed the updated card details with PayPal. Furthermore, on XX/XX/XXXX I received an email from PayPal ( attached in the present complaint ) with the following information : ********* We noticed that your card ending in XXXX is about to expire. Please update the expiry date and card security code ( XXXX ) as soon as possible so that you can continue using it with your PayPal account. Be sure to activate your new card with your bank first. ********* As seen from the email, I was requested to update the XXXX in order to continue using the card with my PayPal account. Not following the instructions from the email should have made the usage of the card with my PayPal account discontinued. As mentioned above, I have never taken any actions in order to confirm or verify the renewed card that is valid thru XX/XX/XXXX. I consider the usage of the renewed card ending in XXXX ( valid thru XX/XX/XXXX ), in transaction XXXX, as unauthorized usage by PayPal. As the available balance on my PayPal account was not sufficient to cover the transaction amount in full, PayPal should have either declined the transaction, or prompted me to provide and authorize a payment method to be charged for the difference ( XXXX USD ). PayPal should not have charged the card ( ending in XXXX ) without my authorization under any conditions. I reached PayPal before the transaction got confirmed, but they told me that they can not reverse the transaction. On XX/XX/XXXX, I have contacted the issuing bank with request to reverse the transaction. I have tried several times to submit a complaint for the unauthorized usage of my card by using the form in their site, but after completing all the steps, I have not received any confirmation that the submission was successful. I also wrote them an email to address XXXX, but I received an automatic reply that my email will not be answered.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have been an account holder with PayPal.com for more than 5 years, and had NO MAJOR ISSUES until recently. On XX/XX/2022, I had a larger-than-usual payment made to my account. By the way I was treated, and by the amount of the documentation I sent. one would think I had stolen this money, or it was earned illegally!! It stated on the transaction summary that there would be a hold until all documents were sent to verify the information, and who I was! I not only had to send my driver 's license, an other identification, I also had to send a picture and a receipt of goods I sold!!!!! This is an invasion of privacy!!!! They should've looked at the senders information, and saw that it was from a jeweler/pawnbroker!!!!!!! I was treated as a XXXX who stole it!!!!! I has to fight like crazy to get this hold released -- I had to deal with countless customer service agents who anything but helpful -- how about they were deliberately antagonizing!!! I was finally able to reach someone in the escalations department to help release this hold!!!! I even filed a XXXXXXXX complaint, which wasn't all that helpful either!!! I was told this wouldn't happen in the future, but it has again, and now, it's even worse!!!! On XX/XX/XXXX, I received a check from " XXXX '', that was deposited into my account, and ready for immediate transfer, or so I thought. When I did the immediate transfer, the transaction details state that the transaction was pending until XX/XX/XXXX!!!!! It was supposed to be in my bank account within minutes, and I was told no more long holds!!!!!!!! Again, more run-around from Customer Service and the so-called Managers!!!!!! Yesterday morning, I sold an item, and the customer sent the money to my PAYPAL ACCOUNT. Those funds were to be on hold until the item was confirmed delivered-which would only be for several days-up to 7 days. Now, the funds are on hold til XX/XX/XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I need my money, and should have it after the item is delivered and confirmed delivered!!!!!!!!!!!!!! Otherwise, it's abuse and starvation!!!!!!
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: For a couple of months, I have been unable to log into my PayPal account due to this company now demanding that I provide them a mobile phone number. This is something that is not possible, and therefore I am blocked from using the account altogether. My lass successful login attempt was on XX/XX/XXXX.
All attempts to contact them through the website require a login, and therefore are not usable for any kind of communication. On XX/XX/XXXX, I sent a message to their email address " XXXX '' demanding that they either fix my account so that it does not require a phone number, or close it altogether. This demand was ignored. Here is a redacted log entry from this attempt : XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/2022, I received an email from PayPal that I was transferred {$70.00}. The email gave me the options of an " Instant Transfer '' for a fee of 1 % or a " Standard Transfer '' for a {$0.00} fee. When logged in to my PayPal account, PayPal did a bait-and-switch on fees. The " Instant Transfer '' fee is 1.5 % and the " Standard Transfer '' fee is {$0.00}. This is the second complaint on this matter. Back in XX/XX/2022, PayPal promised the CFPB to fix the issue. PayPal has not fixed the issue. The CFPB needs to inquire with PayPal on how many emails and communications go out to consumer showing a 1 % " Instant Transfer '' fee while charging 1.5 % on their website. This could amount to millions of extra dollars PayPal is receiving as a bait-and-switch tactic on consumers.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On Sunday XX/XX/XXXX my Venmo account with {$4000.00} saved in it was frozen for no apparent reason. I had made a payment which I thought would be taken out of my Venmo balance, however it didnt. I then tried to transfer money to my bank to cover the cost of payment. At that time my account froze. I need this account, I needed these funds for payments and bills. I have contacted numerous times, I have been hung up, I have been told they have no idea. My ID had been verified already. I have now been in limbo for 4 days with zero response. I just dont understand what has happened and how they can make it to where I can not use my own money. I am able to transfer my funds out to my personal bank account. My money that I needed is frozen. I do not owe Venmo anything and the only response I have gotten is only an account specialist can help and they will contact you with in 2-3 days. This was on Sunday.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened an account on XX/XX/XXXX with venmo and I deposited {$200.00} and then immediately after that they said they had to close my account and would hold my money for up to 180 days for no reason and I just want my money and they can disheve whatever the XXXX is wrong with you wherever the sun don't shine cuz I really don't give a XXXX
Company Response:
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A