Date Received: 2022-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to you for assistance in getting a refund from PayPal. The PayPal XXXX # is XXXX. The case was closed in the favor of the seller. Here are the details on the transaction. On XX/XX/XXXX, I did a transaction through PayPal to purchase a XXXX XXXX camera via XXXX in the amount of {$800.00} ( PayPal transaction # XXXX ). The sellers name was XXXX and her email address is XXXX. A few days later I was notified by her that her XXXX account was shut down and that she preferred to do the transaction directly through PayPal. ( At that time PayPal did refund the money back to me because the XXXX transaction was cancelled ). As I stated, the seller reached and wanted to still do the transaction, but through PayPal ( Exhibit One ). I got suspicious, but she ensured me that the transaction would be safe because it was being done via PayPal and that she would send over an invoice for the camera. Based on what I read on the PayPal site, I felt protected because it stated I could file a claim if the item purchased was never delivered or what was described. Feeling better, on XX/XX/XXXX I asked the seller to submit an invoice via PayPal to buy the camera. ( Exhibit Two ). On XX/XX/XXXX I received the PayPal invoice from the seller, but I noticed it was in the name of another person - XXXX XXXX XXXX ( Exhibit XXXX ). Her email address is : XXXX. I told the seller I needed an explanation for the discrepancy. She replied that this person was her aunt and that everything would be ok ( Exhibit Four ). Once again, feeling that PayPal would protect me in this, I felt ok. On XX/XX/XXXX, the seller sent over some additional pictures of the camera and an email reassuring me that everything would be ok ( Exhibits Five and Six ). I then made the payment of {$800.00} for the camera via PayPal. I received the UPS tracking information via PayPal for the camera. The tracking number was XXXX. On XX/XX/XXXX, per UPS, the package was delivered, but it was NOT to my house. I will refer you to Exhibit A, in which I ask a UPS representative through an online chat if my house was the intended destination. You can see based on the response from XXXX XXXX, neither my name or address were on the package. Based on the email I received from UPS, a person by the name of XXXX XXXX was the recipient. When I didn't get the package I immediately contacted UPS to open an investigation as to the whereabouts of it. From what I can see online, that investigation is still opened. I immediately contacted the seller and the person on the PayPal account where I sent the money. They replied back that they would look into it and get back in touch with me with an answer. On XX/XX/XXXX, I told them they had until XXXX PM EST to resolve the issue or I would file a claim with PayPal. On XX/XX/XXXX, I received notice through PayPal that another package was being shipped to my address with the UPS tracking number of XXXX with a delivery date of XX/XX/XXXX. Once again, when the package did not arrive, I contacted UPS online and was informed by XXXX XXXX ( Exhibit B ) that I was neither the recipient or that my address was the destination for the package. Since I had not received, nor was I the recipient of either package, I submitted a claim with PayPal on XX/XX/XXXX. During that time I submitted the same information that I am providing to you. As I close, a couple of things to consider. First of all, when you contact UPS, they will not provide who the recipient is or what address is on the package. What they will tell you is that you are not the recipient or the address is different then what you provide. As you can see in my two online chats with UPS, they confirmed my address was NOT on those two packages. I made the assumption that PayPal would contact UPS to validate the information that was told to me, but it appears they did not. Secondly, the camera I bought was a very expensive one. If you look it up online, it goes for anywhere between {$4000.00} - {$5000.00}. I highly doubt that if the first package was not received, that the seller would have a spare one around to send me. Remember, this is an individual, not a company that I was buying from. Looking back on the whole thing, I should have realized that it was probably too good to be true. However, I based my buying decision on the information from the PayPal website notating that I would be protected in the event that the package did not show up.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope all is well I just want to start off by saying thank you very much for allowing me to use PayPal pay in 4. I been trying to pay my Pay in 4 but it hasnt been showing up on the website for me to pay luxurybrandholdings inc. {$90.00} and I been checking it everyday other day. I decided to call and they advised that Im in collecting, I pay all my bills. I havent ever been in collections in my life, I dont appreciate this because if I would of saw it, I would of definitely paid it. Im glad I decided to call PayPal because if I didnt I would of never knew about it because I was assuming I paid it in full since I couldnt see it no more on the website or got any call or anything in the mail about it. I have no problem paying it and I would like to pay it. It better not be on my credit with the credit bureaus because I been trying to pay it and I assumed it was paid because I didnt see it or hear anything about it. Please fix this issue with your website and allow me to paid this in full. If anything is reported to the credit bureaus it needs to be removed ASAP possible because this was not my fault at all because again if I would of saw it, I would of paid it. I dont mind paying it now. Can you please make sure Im able to use the PayPal pay in 4 in the future because this isnt not my fault at all and also I should not be charged a late fee. I also have XXXX myself my baby and my son so please be understanding of that as well too but again it was not on your website to pay I check all my accounts including yours every other day and I pay my bills on time. Thank you very much for your time, I look forward to resolving this issue but please fix your website cant pay for something you dont see and I definitely been checking as well I need to be able to use the PayPal pay in 4 in the future because this isnt my fault. Have a wonderful day and please continue to be safe.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/2022, in response to a computer ad, sent {$100.00} by paypal as deposit for delivery of a puppy..was to be delivered the following day with cash on delivery ... not delivered ... numerous calls during the day asking for more money to be sent by Paypal ... Paypal transaction ID XXXX ... to XXXX XXXX... we did not pay any more and no delivery..they have not responded.
Company Response:
State: NY
Zip: 13045
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I made a one-time donation of {$25.00} to an XXXX XXXX organization on XXXX through XXXX. I printed the receipt which states in black and white : ONE-TIME donation. I did this donation through my Paypal account. I noticed a few months later that Paypal had additionally withdrawn $ XXXX for the months of XXXX and XX/XX/2021 to XX/XX/XXXX - COMPLETELY UNAUTHORIZED BY ME! I disputed the total of {$50.00} that had been taken from my Paypal money and transferred to XX/XX/XXXX with Paypal several times and they insist they did nothing wrong - I disputed further with Better Business Bureau - twice, and both times they refuse a refund. I have conveyed copies of the receipt I mentioned above to both Paypal and BBB. I do not understand how I can make a donation - never seeing an option to make it recurring and having NEVER indicated that I wanted it to be recurring- and printing the receipt which actually states " ONE-TIME '' FOR " HOW OFTEN '' the donation is made. Isn't it illegal to mishandle MY MONEY by Paypal in this way? If you can not help can you tell me what financial regulation agency I can appeal to that regulates Paypal 's handling of people 's money? Thank you
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I requested a debit card from Paypal one and a half months ago, they sent it immediately but I never received it, have made them numerous calls but to no avail. Whenever I call Paypal I have to wait several minutes and they ask irrelevant several questions and have no answer to my problems. Plus they also do not have expedited or overnight shipping. I hope CFPB can resolve this issue.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: HELLO, PAYPAL TOLD ME THAT MY ACCOUNT IS READY FOR WITHDRAW MY FUNDS BUT THE SYSTEM JUST PLACE ANOTHER LIMITATION IN MY ACCOUNT AND BLOCKED ME THE OPTION FOR GET MY MONEY. THIS LIMITATION IS ASK ME ABOUT BUSSNEES DOCUMENT. I REPORTED THAT I NEVER HAD BUSSINESS ACCOUNT WITH PAYPAL, I DONT KNOW WHY IS ASK ME FOR DOCUMENT, MY ACCOUNT IS PERSONAL, AND IT WAS ALREDY LIMITED PERMANENT. I WOULD LIKE GET HELP FOR RESOLVE THE PROBLEM. MY EMAIL IS XXXX PayPal account. ( Ref ID XXXX ) THE LAST ONE ( Id. de XXXX : XXXX ) You can no longer do business with PayPal ( Ref ID XXXX XXXX ) YOU SHOULD FIX YOUR SYSTEM, IF THE ACCOUNT IS PEMANENT LIMITE, WHY STILL ADD MORE LIMITATION IN THE ACCOUNT.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I received a Venmo user ID to purchase event tickets from someone I became connected to via an online message board. I sent a portion of the purchase price to the Venmo user ID at XXXX. After about 3 hours, the seller still had not emailed me the tickets I was purchasing, so I decided I did not want to move forward with this transaction. I was still communicating with the seller via a messenging app, and I let the user know that I was going to stop payment. I tried to find options on the Venmo app and website that could provide me some help/protection in this scenario. The app redirected me to their FAQ webpage, which was not specific enough for my situation. The app offered a way to connect via email, however I needed a more immediate response. The preferred method of communication seemed to be via an automated robot, " Venmo Chatbot. '' This chatbot seemed to only pull in the same answers from the FAQ page, none of which were helpful to my situation. I was looking for an obvious way to " stop payment '' or " dispute payment '' or " hold payment '', and Venmo offers none of these options. The best information I could find via the FAQ was that if any payment is made in error ( for any reason, including a typo ), the only recourse is for the sender to request money be sent back from the receiver. This seems highly unrealistic in a scamming situation. Without any immediate way to interrupt the payment and notify Venmo of this potential scam, I called my banking institution and put a " stop payment '' on the amount of my purchase. I disconnected my checking account from my Venmo account. I blocked the user. I never received any inquiry from Venmo as to why I initiated these steps ( disconnecting forms of payment from my account ). After 5 days without any communication, Venmo emailed me to let me know that they went ahead and paid the receiver, on my behalf, since I had " inadequate funds '' in my account. They took my Venmo balance, {$95.00}, and now they say I owe them the remaining balance. My complaint is that Venmo is not doing enough to protect senders and receivers from possible fraud/scams. As a 3rd party payment platform, why would Venmo enter into a disputed negotiation on either side of the sender or receiver, without knowing the details of the transaction? Why was there no attempt to contact me to ask why I had suddenly disconnected my checking account after 3+ years of uninterrupted service, BEFORE making a payment that I had very clearly tried to stop? It remained very hard to get a human on the phone using the Venmo Customer Service line, and I received very little information about how my case would be handled, and when I could expect follow up. I did contact the person I had sent money to, per Venmo 's suggestion, and asked that they refund my money since they never provided the good ( event tickets ) that they had promised me. I received no response. I'm attaching screenshots of the other user 's profile, which suspiciously indicates this account may have been set up the very same day that I sent money. Did Venmo initiate a transfer to an account that wasn't set up yet? The app did not prompt me for the user 's last 4 phone digits, which is usually a security feature for people you pay who are new or not in contacts. As a " neutral '' payment platform, Venmo 's standards and practices seem to highly favor the receiver of funds, giving senders no practical way to immediately stop/pause/dispute payments that are made in error.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Please see the attached screen shots of a financial institution that was added to my account without my knowledge or authority. XXXX XXXX XXXX does not belong to me or to anyone that I know. As you can see in the screen shot and on my account, XXXX is unverified. XXXX XXXX XXXX is my account attached to my debit card which is my only and default account. My account was compromised and another financial institution was added to my account as the default. Please see below the transactions totaling {$380.00} that were transferred to XXXX XXXX XXXX all in the month of XXXX. As you can see before XXXX, my transfers went to the appropriate default financial institution which is XXXX XXXX XXXX. I have not removed the XXXX XXXX XXXX until after Venmo further investigates the unauthorized access to my account and my money is recovered. Venmo customer service continues to send me responses stating that there was no unauthorized transactions and went on to state that I added the 2nd bank account and transferred the money to it. In so many words accusing me of fraud. I requested a supervisors and a call back with no response. Thanks, XXXX XXXX
Company Response:
State: KY
Zip: 40014
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal Closed My Account For No Reason And Will Not Help Me With Getting It Back. I'm Not Sure If This Is Some Mistake As I Assume It Has To Be. I wanted to withdraw my PayPal balance, so i went to the PayPal app, i login and wanted to withdraw my available balance from my PayPal app. I receive an error message that PayPal app isn't functioning for now that i should go my site browser to login my PayPal account. I went to site browser, i couldn't login, immediately i received a message from PayPal that i should change my password that they spotted something unusual, immediately i reset my password and login my PayPal account, then after 12min i received a message from PayPal that my account has been permanently Limited, and i can no longer use PayPal XXXX I feel this isn't fair at all that my account got Permanently Limited just because i login PayPal from my PayPal app. This Is Really Going To Affect Me a Great Deal As PayPal Is My Only Means Of Receiving Payment For My Business. My Email Link To My PayPal Is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/22 - Venmo request to upload ID, along with Bank Statement. XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name. If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. We appreciate your cooperation and look forward to hearing back from you. Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. XX/XX/22 - Emails sent demanding funds immediately released to bank account. Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. Best, XXXX XXXX XXXX Venmo
Company Response:
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A