Date Received: 2022-01-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: Paypal charged me transaction fee. In XXXX separate transactions today ( Wednesday, XX/XX/2022 ), one for {$20.00} and another for {$120.00}, there are fees charged. but in the PayPal website, the fee is waived if sent from bank account and that's what I did. Apparently I received the fees because I had selected the transaction as a Goods and Services. This is a new feature. Awhile back, there was no Goods and Services. The main problem is the website used Goods and Services selection as the default and there's no clear instruction to the consumer that they need to change it to Send as a Friend in order to not get charged with a fee. I shouldn't have been charged with the fees because the transactions went to a XXXX XXXX and from a XXXX XXXX not to and from another country. Per the website, fee is waived for a bank to bank transaction within the US. The website user interface is clearly using the default in order to intentionally charge consumers ( the user ) a transaction fee. This is not user-friendly for consumers. The website should default to None and mark the box as red in order for the consumer to be reminded to select the proper transaction type like Send to a Friend, especially if the user is trying to avoid paying any fees, before the user can continue with the transaction ( XXXX ). PayPal rep on the phone also said she was going to email me in order to get a refund for the fees. I have never received her email, so that's not a good customer service.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX approximately, I received a phone call from the " XXXX XXXX XXXX. '' They sent me a email as well with a letter saying that the person talking was with XXXX. His ID number and phone number as well. Claiming that someone was trying to purchase an 1000 dollar XXXX on my account. I'd been contacted 3 times previously about the same thing so I felt ok letting him on my laptop remotely. After a minute he tells me that XXXX is going to help secure my wifi and put a firewall up. But had to be purchased by me. I turned him down and he said that he would have someone provide the funds from XXXX. I gave him my XXXX account number so he could put money in the account. In XXXX minutes there was 1000.00 dollars on the account. I was to use my PayPal XXXX to purchase gift cards in order to purchase the firewall. Then XXXX would install it. So I purchased XXXX card for 500 dollars on one afternoon and purchased another one the next day. Gave the pin code to the guy who was calling me every half hour. The next day he calls and says he needs into my XXXX account he does this remotely on my laptop. He orders another gift card telling me that it should cover the 1500 firewall. Then PayPal is trying to get the money back never saying what's going on. I ignore it as this guy said he would cover it. A couple of days go by and PayPal is requesting the account be corrected. After getting the last gift cards pin I never heard from XXXX XXXX again. I wrote an text to PayPal explaining this situation but never heard back from them. The whole thing was a scam and I'm the victim except why would PayPal credit the funds. Allow me to purchase goods. Then claim I owed 1100 dollars. Apparently they accepted funds then whomever put the funds on my account were refunded the money after it was used to get the gift cards. Double the funds the crooks used to initiate the scam. That seems to be a problem for their own system. I completed my end of the transaction.500 dollars in and a 500 gift card returned to the scammer. I received nothing from the transfer. Not one cent. I even lost money as at the same time I loaded 30 dollars on PayPal card for XXXX use. That money was taken. I'm XXXX XXXX XXXX XXXX man who didn't think it was going to be a good thing. But didn't expect it. I waited a bit to get my laptop checked and found records on the laptop that the were spying on my laptop for awhile. A couple of weeks. So I can provide that documentation after I contact my computer technician who did the forensics. Anyways any comments about the policy 's of PayPal to let me use the funds then demand them back, I don't know about that. The persons who put the funds on I'd never met or even spoke with. They should still be there at PayPal account. I blocked them from the account but they should be there. Thoughts? XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Accessed PayPal through XXXX XXXX XXXX website to make a large donation. With no reason whatsoever the payment was made to another charity altogether- XXXX XXXX XXXX. This is a {$5000.00} donation that was given to the wrong company- and it was PayPals fault entirely. As soon as the transaction was done and we saw it was to the wrong charity- we called and asked them to stop it. They could or would not. They opened a case but then denied it and left to us to contact charity to get money returned. Utterly frustrating and they have taken over payment for so many charities. I will never use them again.
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I Listed a guitar for sale on XXXX market place for XXXX no Shipping local pickup XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX offered me XXXX additional plus transfer fees to ship the guitar through receiving the payment through PayPal He received the guitar in the picture right down to the serial number and opened a case with PayPal that should have never been opened XXXX XXXX SENT THE MONEY PERSONALLY witch is not covered by PayPal He then got His credit card company to pay him XXXX and refused to send the guitar He did not want? Back to me and refused contact with me kept His money and the guitar PayPal closed the case in my favor then turned the amount over to their collection agency and placed the entire amount on my credit report and began collection process with me for XXXX I talked withe several PayPal employees and filed a case and PayPal refused to see this as fraudulent activity the case no is XXXX they closed this in my favor I have the screen shots of PayPal closing the case in my favor
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As noted in the police report, Venmo has severe security issues. First, once I logged into Venmo and log in information will keep for a long time, which means anyone can use the account to transfer money in the next couple of weeks as long as they have access to the cell phone. They won't be asked for any log in information. Second, there is no extra security added to verify the transaction, such as password, or transfer code. Those security issues means as long as people can access to the device, they can transfer any balance into their account. As I disputed, the following transfers were unauthorized since I lost control of my cell phone. However Venmo team denied my dispute indicated those transactions were made with the same device. Considering the severe security issues for Venmo, they have no solid ground claiming the same device represents authorized transactions! Additionally, I've reported the case to the police and its very clear the police consider those transfers as fraud, as indicated in the report. So the Venmo team is more expertise than the police to understand the situation and define those transactions as legitimate and authorized? XXXX Type Status From To Amount ( total ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$2300.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$990.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$490.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$100.00} )
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received an e-mail from PayPal that XXXX # XXXX had been accepted in the amount of {$840.00}. I have no PayPal account nor had I made an order. I called the number listed in the e-mail, XXXX XXXX XXXX to cancel the spurious order. I was connected to a man named XXXX at XXXX. First I found out that my XXXX ( formerly XXXX XXXX XXXX ) credit card was used to fund the PayPal account and pay for a laptop. That credit card account is locked plus an old credit card number was used which expired this month. So no charges went through. He then said that a little earlier, someone used my XXXX debit card to open and fund some investment account for {$600.00}. That card had expired at the beginning of XXXX and my new debit card had a very different number. So no charges went through to my bank account. Most times when using a credit or debit card for payment, you have to enter the expiration date but apparently PayPal did not do that. XXXX said he would give me ( electronically ) a {$50.00} XXXX gift card because of the problems. XXXX rejected it and I let XXXX know. He said he would resend the order plus one for {$200.00}. Both of those were rejected and XXXX called me worrying that I was falling for a scam that asked for prepaid cards. This kept going on until XXXX said I would have to open a new XXXX account because my original account was basically shut down. By doing that, I lost {$30.00} in gift card value that was already stored in my account. Somehow it became an XXXX XXXX account which I had no use for. I spent an hour or more everyday on the phone with XXXX trying to resolved this mess. I discovered last Saturday that there was a pending charge to my bank account for {$50.00}. It wasn't until this morning, XX/XX/2022, that I found out that XXXX charged my account that amount of money. I contacted XXXX and he said he would refund that money. However, then a charge for a XXXX card and account appeared in my bank account. I also got an e-mail that PayPal had ordered a 1 year subscription to XXXX XXXX XXXX using a company called XXXX XXXX for {$99.00}. I have no interest in that service and certainly didn't order it. Instead of anything being resolved, the mess just keeps growing. Last week, XXXX was supposed to red flag my credit and debit cards so nothing could be charged to them. Today he explained that someone else had removed those flags which allowed these other unwanted and unordered charges. I also want any shipping information for the laptop that was collected in hopes of identifying who stole my financial information and was using it so I can turn it into the police for possible prosecution.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal account was compromised XX/XX/XXXX, unauthorized user made 3 purchases to XXXX. Called next morning to open case since unable to report online and case was opened. Saw payment/shipping confirmation and immediately opened duplicate case online on XX/XX/XXXX. Was able to get refunded on those 2 transactions. Waited patiently for 3rd ( payment/shipping confirmation on XXXX ) because email noted a case already existed. However, it seems that the phone call did not cover all transactions as noted and required filing 3rd case online. 3rd case case was denied. Noted " Consistent with PayPal purchase history ''. Yet I have never purchased from this vendor before, let alone purchase apparel or footware online. The only consistency from prior history was the previous unauthorized transactions from the prior day from the same vendor, on the same items, to the same address. Paypal claim notes " After checking the activity from XXXX XXXX 2021 I can see good log ins from Consistent IP ''. However the issue occured on XX/XX/XXXX and payment was confirmed XXXX when vendor shipped product. PayPal is ignoring the the most relevant point in the case, which is payment authorization date, not payment confirmation date.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal limited my account and I don't know what I have done wrong. I used my account for 3 years and now they just sent me an email regarding of my account that has been permanent limited.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it.
Company Response:
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX of this year, I attempted to use Venmo to complete a payment that would be covered by its recently created payment protection program. Prior to conducting the transaction I made sure to read the details of the service because I am extra cautious about online transactions and the potential for fraud. The seller had posted a listing on XXXX XXXX and had a profile with a number of indicators that would suggest they were a regular person ( friends, actual pictures, not created recently, etc. ). The transaction amount was also small enough, {$65.00}, that it would not be a tremendous loss. While completing the payment, I was careful to toggle the purchase feature on and saw the green shield icon with a checkmark indicating that my purchase would be covered if I did not receive the item purchased as it was described. The seller communicated to be that they had received the payment and would ship after the XXXX XXXX holiday ; however, they're accounts on Venmo and XXXX became inactive and/or un-viewable. I reached out to Venmo to utilize what I had assumed would be a straight forward process of refunding funds that should have been frozen until I received and inspected the item ; however, the agent I was connected with claimed that I had not enabled purchase protection. I was absolutely shocked because I was very deliberately intending to use this feature for this transaction. The agent refused to provide a representative identification number and claimed I'd get an email transcript and follow up. I explained to her that I wanted this issue escalated to both the software department because I am confident that a log of app button presses would show that I selected the option. I also asked that it be escalated to her manager due to her unwillingness to provide information that I could use to identify her within the company while resolving this issue. Thirdly, I asked for it to be escalated to someone who could handle fraudulent transactions. She claimed it could only be escalated to one person at a time. From there, I received and responded to several generic emails that seemed to ignore my specific complaints that the app functionality was not working or that scammers were exploring a glitch with eliminating the purchase protection. I also mentioned that my next step would be to reach out to the CFPB and/or related local agencies/authorities. Venmo did not refund my money and said some action, that they could not specify, might be taken against the person who did not follow through on the transaction. In this instance Venmo is perpetrating financial fraud through a vague and ambiguous purchase protection service that does not seem to work and which they refuse to clearly support. It also seems that even if a consumer were to fail to properly enable the protection service, it is a poorly defined and implemented financial product ( it sounds like they charge the seller ) that lacks clear confirmation before purchases are made. Please help stop Venmo from benefiting from fraudulent activity.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A