Date Received: 2022-02-02
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I transfers a total of {$2000.00} by way of two {$1000.00} transactions on XX/XX/2021. On XX/XX/2021, the funds cleared my back and was placed in my PayPal account balance. In the same day, PayPal put a restriction on my account to where XXXX cant access my hard earned money and stated that I must wait 180 days to have access to the funds In my Paypal account. My bank rep contacted PayPal to resolve the matter letting paypal know that the funds are legitimate but still no success. I called several times and was asked to submit documents such as bank statement and I'd but still my account was still restricted. The case number in regards to this issue is : ( Ref ID - XXXX ) which was provided by PayPal! PayPal makes it virtually impossible to appeal or review the decisions made by them concerning your account and the money held hostage by them.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I am reaching out to file a complaint against PayPal. I made a purchase through PayPal on XX/XX/2021 for a transaction totaling {$1100.00}. When the item did arrive, it was in detestable condition and significantly not as described. There were numerous missing parts and the parts that did arrive were severely damaged. I immediately reached out to the merchant to report the problem. The effort was futile as the merchant either failed to respond or were hostile and uncooperative when they did respond. Having exhausted all reasonable efforts to find an amicable solution and convinced that I may be a victim of a scam, I resorted to filing a dispute with PayPal. As a consumer, I use PayPal because of PayPal 's Buyer Protection ( aka Purchase Protection Program ), which promises to have my back. In the event of an issue with a transaction, such as where the merchandise was defective/damaged or not as described, PayPal would have my back and look after my interest, and assist me in getting a refund for the transaction if appropriate. PayPal 's promotional and marketing materials across the web and every marketable medium are filled with this promise. PayPal 's Buyer Protection is the biggest selling point for me and the only reason why I have a PayPal account at all. Accordingly, I filed a dispute with PayPal regarding this transaction and believed that as the situation was so clear-cut, the decision would be simple and straightforward. Unfortunately, this was not to be the case. After the case of a month, PayPal jerked me around, fed me misinformation, lies, and did everything possible avoid having to resolve this dispute. I must have been a dozen communication attempts with PayPal in my efforts to resolve this matter and get the refund rightfully due to me and each time the PayPal would tell me something different. When I raised this discrepancy, each representative would claim that the previous representative had been wrong and the information given was incorrect, and that the information he/she was providing me was the correct one. Throughout this nightmarish process, PayPal was making me jump through one hoop after another, doing everything they can to get me to close the case and accept the loss, and the entire process was incompetence on top of incompetence. Furthermore, it appeared that PayPal was doing everything it can to side with the Merchant, working off the assumption that the Merchant is innocent until proven otherwise and that myself, the Buyer, is " guilty '' from the start and has full burden to proof everything. After reviewing I am reaching out to file a complaint against PayPal. I made a purchase through PayPal on XX/XX/2021 for a transaction totaling {$1100.00}. When the item did arrive, it was in detestable condition and significantly not as described. There were numerous missing parts and the parts that did arrive were severely damaged. I immediately reached out to the merchant to report the problem. The effort was futile as the merchant either failed to respond or were hostile and uncooperative when they did respond. Having exhausted all reasonable efforts to find an amicable solution and convinced that I may be a victim of a scam, I resorted to filing a dispute with PayPal. As a consumer, I use PayPal because of PayPal 's Buyer Protection ( aka Purchase Protection Program ), which promises to have my back. In the event of an issue with a transaction, such as where the merchandise was defective/damaged or not as described, PayPal would have my back and look after my interest, and assist me in getting a refund for the transaction if appropriate. PayPal 's promotional and marketing materials across the web and every marketable medium are filled with this promise. PayPal 's Buyer Protection is the biggest selling point for me and the only reason why I have a PayPal account at all. Accordingly, I filed a dispute with PayPal regarding this transaction and believed that as the situation was so clear-cut, the decision would be simple and straightforward. Unfortunately, this was not to be the case. After the case of a month, PayPal jerked me around, fed me misinformation, lies, and did everything possible avoid having to resolve this dispute. I must have been a dozen communication attempts with PayPal in my efforts to resolve this matter and get the refund rightfully due to me and each time the PayPal would tell me something different. When I raised this discrepancy, each representative would claim that the previous representative had been wrong and the information given was incorrect, and that the information he/she was providing me was the correct one. Throughout this nightmarish process, PayPal was making me jump through one hoop after another, doing everything they can to get me to close the case and accept the loss, and the entire process was incompetence on top of incompetence. The entire process clearly indicated that PayPal was doing everything it can to side with the Merchant, working off the assumption that the Merchant is innocent until proven otherwise and that myself, the Buyer, is considered " guilty '' from the start and has full burden to proof any wrongdoing. After reviewing PayPal 's Buyer Protection more closely, the wording and policy is immensely weighted in favor of the Merchant and against the Consumer with incredibly unfair and Merchant-friendly requirements like, in the event the Consumer was a victim of a scam and receives materially different, damaged, or defective merchandise, the Consumer is compelled by PayPal to arrange to ship the item back to the Merchant, at the Consumer 's expense, before a refund can even be considered. To add insult to injury, the Consumer is expected to pay for signature confirmation of delivery to make sure the Merchant received the merchandise, even though the Merchant didn't originally ship with signature confirmation. All this expense, inconvenience, and hassle would be paid for by the Consumer, with no possibility of being reimbursed, all so the Merchant who intended to the scam the Consumer can get their merchandise back. Throughout this process, all the Merchant has to do is provide proof that the item was delivered to the Consumer. I have provided all documentation requested and jumped through one hoop after another one at PayPal 's behest. Unfortunately, after weeks of dallying, lying, and misleading me, and after one representative after another telling me on recorded lines that my claim is all but assured to be closed in my favor, and that I should expect my refund any day now because I've provided all documentations requested, I have now been notified that my case has been rejected and closed in the Merchant 's favor. This is the reason for this complaint. I respectfully ask that the CFPB uses its full authority to look into this matter on my behalf and hold PayPal accountable for its duty to its customers. I respectfully ask that the CFPB uses its full authority to demand that my refund totaling {$1100.00} in processed in full and promptly. Thank you in advance.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
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 what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX to do to associate the tracking which I used to the return label tracking which they had sent. XXXX has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Case Description : XXXX XXXX seized by PayPal date that seized funds : XX/XX/2020 many time they are said it is damages cover of XXXX violation ( XXXX USD for each violation ) but no details about that violations.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason. 6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. thanks,
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I placed an order through a XXXX XXXX for clothing from XXXX XXXX. I received items but they were not the items that I ordered. I tried to look up the company but could not find a website or any information for them. I paid through Pay Pal so I opened a dispute. They said I could receive a refund if I send the items back and pay for the shipping myself. The problem is, the items totaled {$160.00} and the shipping cost estimate is {$270.00}. Pay Pal said there is nothing they can do. I feel like Pay Pal has misled me to believe that they would offer me buyer protection in the event I did not receive my items. The only way they will refund my money is if I spend more than the items cost to ship it back. XXXX XXXX has no website, no contact information and they never sent me a receipt of my order. This company should also be investigated for scamming customers out of their orders and not providing a receipt.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Did a XXXX grocery order to pick up. Done many prior and never had this issue before. Usually they do a pre auth then after I pick up order the pre auth becomes the charge. No issues. Well yesterday XX/XX/2022 i did an order and I used paypal to pay because I did not have my debit card on me. My payment type was still using my bank debit card. Pre ath showed on account like usual. Went picked up items didnt think anything of it until I get a bake alert for overdrawn account. Turns out paypal charged my debit card without releasing the pre auth. So now I'm overdrawn and have no way to get any money for gas etc ... instead of the XXXX I had for groceries I am getting charged XXXX. I never was informed that I need to have double the purchase amount in my account to cover the pre auth? Called bank and they said paypal has a hold on the XXXX pre auth until XX/XX/XXXX. So XXXX days in the negetive with other small XXXX purchases etc already coming out. Im gon na have massive overdraft fees on top of not able to go to work or appointments because I was counting on the remaining XXXX in my account to cover me. Trued contacting paypal but its a joke to actually get a response without XXXX hour wait. How come the pre auth doesn't remove after purchase. There us no reason for it!!! I swear paypal does these things to earn interest off other peoples money.
Company Response:
State: WA
Zip: 98292
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/22 Venmo froze my account. On XX/XX/22 I replied to their email and asked if there is anything I can do to unfreeze my account ( e.g., update password ). on XX/XX/22 they said my account is permanently restricted. I have had ~10 emails and 3 phone calls and they have not identified what violation of terms of service I did. I asked them for arbitration, as that is the only recourse listed in their terms of service. They declined. Venmo is a peer to peer money transfer service - every transaction has two parties. They have not ( to my best knowledge ) restrict the accounts of any of my counterparties ( friends ). Therefore they are alleging that something is different about me than about others. The only reason I can think of is that I am from XXXX originally, as in my online research I found that paypal- the parent company - is facing a lawsuit for doing this exact thing ( suspending accounts without explanation ) of other people with linguistically XXXX names.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of XXXX I received a collections letter from XXXX XXXX regarding a bill of {$840.00}. The collection was sent by PayPal, with charges from XX/XX/XXXX and XXXX XXXX. There were XXXX different charges amounting to the {$840.00}. I've only used paypal for small charges and money transfer between friends. I am able to provide a copy of all paypal charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to PayPal and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with XXXX The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. I have an excellent credit score and refuse to allow paypal to destroy it. This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. XXXX for having the driver drop the package off in the middle of the street without obtaining my signature. asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A