Date Received: 2022-02-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. I am stuck and need help from the consumer financial protection bureau. Atleast PayPal should give me a date when they will be able to allow me to withdraw the funds. This is the last warning I am giving to PayPal else I am a tech guy and I know How to pull money out of PayPal illegally later I wont be responsible for paypals deed Its been approx 400 days and PayPal is XXXX.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Venmo denied my request for the unauthorized access. I'm requesting to review the materials they used to determine the case. It's been over a month since my request and they still haven't provided me any materials. My account number is XXXX XXXX
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem adding money
Subissue:
Consumer Complaint: Paypal finally gave me a provisional credit I transferred the funds electronically to my XXXX Bank account on an immediate transfer and then since I am also having problems with XXXX bank and money disappearing I transferred it to my XXXX account as I am going to use them as my new bank. I did try to transfer the funds directly to my XXXX XXXX account and it was denied. A few days later it was saying ( I do have screen shots and screen videos ) that I had a XXXX deficient balance in my XXXX account. The whole time that the money was in XXXX XXXX it was saying that there was available balance and then a hold of 3k and it went down to 2k. I wrote a complaint about this just an hour before this one. Now XXXX XXXX has informed me that the funds did not come through and they just deleted the money from my account all together. This violates numerous laws and rules of banking.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, at approximately XXXX. EST, I received several alerts from XXXX ( a company of PayPal ) suggesting that I had submitted a money transfer. Since I have never used XXXX nor ever submitted any money transfer I immediately reported to XXXX via XXXX that the following transactions were fraudulent and not authorized by me. Those transactions were as follows : 1. Transaction ID : XXXX, Amount : {$130.00} 2. Transaction ID : XXXX ; Amount {$130.00} 3. Transaction ID : XXXX ; Amount {$170.00} Since I reported this as fraudulent at XXXX XXXX XXXX immediately I did not believe that any money would be withdrawn from my account. By XXXXXXXX XXXX I discovered that those charges were withdrawn from my bank account. I immediately notified my bank of the fraudulent activity and they processed a stop payment. Thereafter, I received several emails from XXXX reflecting that I " owed '' a debt. I notified them on XX/XX/XXXX, that those transactions were fraudulent, but continued to received payment requests between XX/XX/XXXX through XX/XX/XXXX. I received notice on XX/XX/XXXX or XXXX that they denied my claim based upon " account history '' however, I requested evidence of this account history ( since I never opened a XXXX account ) and XXXX responded on XX/XX/XXXX, that XXXX could not provide details of the fraudulent transactions without a law enforcement agency. Please note, the original denial by XXXX occurred without anyone ever responding via email or phone call to discuss the facts. Approximately two weeks later, it was discovered that our home computer system had been hacked since the same hacker used my credit card to make payments on some account. It should be noted that because these transactions were from PayPal, they ultimately resolved these fraudulent claims in my favor because they recognized that the reason that the " history '' appeared to be legitimate was because the hacker broke into my computer system and it appeared as if the individual were in my home THEY WERE NOT. Therefore, I filed an identify theft report on XX/XX/XXXX, with the government and I also filed a complaint with the Better Business Bureau. Once I filed my complaint with the XXXX, the company sent responses wherein they continued to deny that the transactions were authorized and notified me that I could contact their executive offices. I did that on XX/XX/XXXX, to an individual named XXXX, wherein I provided a detailed response and evidence showing that my account had been hacked, but received no response from this. On XX/XX/XXXX, I received a response from XXXX through XXXX yet again was denying my claim since they believed it to be accurate. On XX/XX/XXXX, I provided a response via XXXX to XXXX and directly to the executives offices to an individual named XXXX yet again explaining that the authorized transactions appeared legitimate due to a hack and not because I authorized same. I also provided evidence regarding same. On XX/XX/XXXX, I also sent a follow-up identity theft report to the XXXX offices and still received no reply. On XX/XX/XXXX, I received yet another response from XXXX via XXXX saying they denied my claim after doing extensive research, but yet again they have never once either emailed or called me to discuss this matter, or explained how the evidence I provided does not support that the transactions were authorized by me. I also responded via XXXX expressing my dissatisfaction with the response. I did not authorize these transactions since the evidence I've provided proves that a hacker gained access to my computer/home network and used the IP address that XXXX claims is " proof '' that I authorized these transactions, when in fact that is not true. I am filing this claim since the identity theft website indicated that this was an appropriate next step and since this company is contending that this debt is valid and that they will notify collections since they believe same to be a valid debt. This is NOT a valid debt. If you research this company you will see that these type of fraudulent transactions happen frequently and they quickly " deny '' the claims leaving the consumer responsible for their inept actions. Had XXXX simply not allowed the transactions not to go through when I originally notified them of this fraud, no money would have exchanged hands and this would not be a problem. However, they failed to do so. I will fight these charges through every legal means possible since I will not be held responsible for something I did not do primarily because if I do not then the individual that hacked my computer and then ultimately my PayPal account ( since I never had XXXX ) would be able to get away with this dangerous behavior. XXXX denying my claims is resulting in the perpetuation of fraud and they too must be stopped. I am attaching several documents which have been provided to XXXX via XXXX and directly to their executive offices for consideration.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo wont let me use my account anymore. Whenever I try to pay somebody it gives me a vague error " There was an issue with your payment please try again later '' What originally happened is I had an issue with my bank account where I didn't have enough funds to clear a payment. Since then Venmo won't let me make a payment or delete my bank account. Today I tried to make a payment using my newly added chase credit card - denied. I tried readding my bank account ending in XXXX and it was also denied from verification. The two trial deposits I entered are XXXX and XXXX. They are now saying " Unable to verify bank account '' and that the two deposits are incorrect. Venmo, I am kindly requesting a more detailed explanation as to why my account is locked right now, something beyond your typical " for security purposes '' vague explanation. If you do not unblock my account, then consider this my official request to delete ALL my data and information from your databases pursuant to the California Privacy Act. If you won't let me use your services anymore, AND you won't give me an explanation or time line as to when I will be able to use my account anymore, then there is simply no reason for you to keep my information on file. Previously I tried to delete my bank account information thru the app, but I noticed your app was designed in a way to not let me easily delete my bank account information. I had to call in and wait on hold for a very long time before a representative was able to delete it. No reasonable person would find this behavior acceptable. Venmo, please provide a thorough explanation as to what is going on with my account and do not hide under the blanket excuse of security. Thank you
Company Response:
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$31.00} to *rgergree XXXX. On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$46.00} to *rgergree XXXX. I called PAYPAL ON XX/XX/XXXX. I was told someone named XXXX XXXX used my account to pay funds to himself using my account. I told them I do not know XXXX XXXX and did not authorize any payment. PAYPAL also disclosed that another email was set up that was not my email. My email is XXXX, the email used was XXXX. I received an email from PAYPAL dated Sat. XXXX XXXX with CASE ID XXXX. The email stated the transactions were denied. The transaction ID # XXXX and transaction ID XXXX. I called PAYPAL to find out when I would receive the refund since the email stated the Transactions were denied. PAYPAL stated that meant the refund was denied. PAYPAL stated that they had contacted my bank and that my bank authorized these transactions. I requested proof, PAYPAL could not provide proof, I requested PAYPAL stay on the line to speak with my bank on a XXXX way call, I got my bank on the phone, PAYPAL hung up.
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I received a message from XXXX with PayPal XXXX Office of Executive Escalations. It states that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. As far as I know I only received payments from the graphic designs I made to my clients. Transaction ID 's : XXXX from Sir XXXX XXXX and XXXX from XXXX XXXX. Which is now on hold. Attached here are their orders and invoices.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Money was taken from your bank account on the wrong day or for the wrong amount
Subissue:
Consumer Complaint: At the end of XX/XX/XXXX I saw a notice in my PayPal XXXX XXXX account that read as follows, " PayPal Direct Deposit NEW! If you're an XXXX seller, you can set up PayPal Direct Deposit to make sure your XXXX sales are included in your future loan eligibility and enable automatic payments with a percentage of your XXXX sales. '' This announcement is still up on the PayPal XXXX XXXX home page.Between XXXX and XXXX I completed 5 loans with PayPal XXXX XXXX that totaled {$9000.00}. By XXXX my PayPal sales had declined from using different payment platforms in my 4 online stores and I didn't qualify for a new loan. Seeing this NEW program being offered in XX/XX/XXXX, and wanting to requalify for PayPal XXXX XXXX, I switched from having my XXXX sales deposited in my credit union checking account as I had done for12 years to having them deposited in my PayPal account. My first XXXX sales deposit to PayPal was on XX/XX/XXXX. On XX/XX/XXXX I contacted PayPal XXXX XXXX customer support to find out why I had not qualified for a XXXX XXXX loan. In the previous year I had had over {$22000.00} in sales through my PayPal account, which far exceeds the {$15000.00} yearly sales minimum requirement. Customer support told me that there was a " technical problem '' and that my XXXX sales were not being counted towards my eligibility to qualify for a capital loan! I was shocked. To this day PayPal XXXX XXXX has the announcement on their home page soliciting XXXX sellers to deposit ALL our sales into PayPal. I have been doing just that for over a year now and yet they were NOT counting them towards my eligibility.They said they would look into it. I called a few days later on XX/XX/XXXX and they were still looking into it. I waited two weeks and called on XX/XX/XXXX and spoke to a supervisor named XXXX. He said that they were still looking into it and couldn't help me. He pulled up my records and said he could see that I SHOULD qualify for a loan but that there was still a " technical problem. '' He couldn't tell me why my XXXX sales were not being counted towards my loan eligibility and he couldn't offer a patch or any other form of relief. At this point I felt I was being deceived and I contacted the Oregon State Attorney General and filledout a consumer complaint form. I called PayPal XXXX XXXX again on XX/XX/XXXX and XX/XX/XXXX and there is still a " technical problem '' that prevents my eligibility. I called again on XX/XX/XXXX and they were still working on it. I called PayPal 's main contact number on XX/XX/XXXX to see if someone at the head office could help me since XXXX XXXX was not doing anything. While their customer support seemed genuinely more concerned they ultimately just connected me back to the same people at XXXX XXXX and nothing had changed. Finally, on XX/XX/XXXX I went to the XXXX XXXX web page and it said, " Your business could be eligible for another PayPal XXXX XXXX loan. Approved loans are funded in minutes and there's no credit check. '' The five other times I got this message in the past I was approved and offered 3 different loan options to choose from. While filling out the simple two page form that asked me to verify my identity and what I wanted the loan form, I received a phone call from XXXX at PayPal XXXX XXXX. He had called to tell me that the problem should be fixed. I told him that it was allowing me to apply. I hit the apply button and within one minute I received a rejection notice. I was still on the phone with XXXX the supervisor at XXXX XXXX. He pulled up my rejection and gave me immediate feedback. He said my sales for the year were sufficient and that I had no chargebacks or refunds that would flag me for rejection. He said my rejection apparently was because my sales were down for a month during the holidays when I was sick and unable to work, even though they were up by 20 % for the year. He noted that my PayPal sales had tripled in XXXX over XXXX. They told me I qualify in EVERY way except for the " fluctuation '' of a bad month and that I can try again in a few months. I've had FIVE of these loans in the past and paid them all off in 6 to 12 months. This feels like fraud and deception. The ONLY reason I started depositing my XXXX sales money in PayPal instead of my checking account was to qualify for these XXXX XXXX which I had easily been approved for in the past. They took 5 weeks from my initial inquiry into why I wasn't qualifying to even make the website offer me the option of applying and then when it finally did I was immediately rejected. I have been repeatedly told by supervisors at XXXX XXXX that my overall yearly sales qualify me as they have in the past but that technical problems have kept me from getting a loan and that no human intervention ontheir part can help me! I've attached screenshots that show the following informationfrom XX/XX/XXXX to XX/XX/XXXX : my XXXX PayPal Payments Standard total is {$6200.00}, my XXXX sales depositedto PayPal are {$13000.00}, andmy PayPal account shows my total sales are {$22000.00} ( there are another {$3000.00} in sales that I directly invoiced through PayPal or were received there and initiated by customers ). I have also attached images that show their solicitation to XXXX sellers to deposit our sales with PayPal to be eligible for these loans along with the screen shots of them saying I COULD be eligible ( finally! ), the two pages that solicit basic info but don't even ask how much I may want to be loaned, and then the rejection notice. I am furious with PayPal and feel that they have been fraudulent in their efforts to get me and other XXXX sellers to deposit our XXXX sales money with them in the hope of being eligible for loans that they will never give us. I hope that the CFPB can give me some relief. I look forward to any help you can give in this situation.
Company Response:
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Been using PayPal for some time now and my account got limited permanently for no reason and my funds are now on hold for 180 days according to PayPal I tried to contact them but all I am getting is an automatic response I deal only with trusted sellers and I already updated my account with all legal documents And they are not even telling me the reason why I got suspended.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text from a friend that I was on a list to receive a grant from the XXXX XXXX XXXXn and he received or said he received money from them. It turns out it wasnt my friend I texted back-and-forth with him and it was not him. XXXX XXXX the grant. XXXX XXXX XXXX XXXX texted me to send {$1000.00} handling fees before I could get the money that was supposed to be delivered from XXXX. Her number is XXXX. I tried to send her {$500.00} and she said it didnt go through but it did. And then I tried to send it to another person named XXXX XXXX XXXX. That was sent from PayPal the other was from XXXX at my XXXX XXXX bank. I called and froze my accounts at XXXX and the other companies. I filed a police report. I got off of PayPal XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A