Date Received: 2021-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. I am a XXXX XXXX and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me.
Company Response:
State: MD
Zip: 21012
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX MAIL ORDER VICTIM!! I purchased a dress online from a XXXX clothing website for {$49.00} using my paypal wallet. After waiting almost 2 months, I was the victim of a bait and switch scam where a merchant from XXXX sent me a cheap replacement ( underwear ) instead of the dress thar I had ordered. I complained directly to paypal based upon their Money Back Guarantee. The merchant, upon contact from paypal, stated that they would refund me the purchase price only if I ship the replacement back to XXXX. The shipping costs would require a further investment of more funds which is a " no win '' situation for me.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: PAYPAL READ THE DOCUMENT ATTACHED AND PLEASE DONT MAKE A LETTER COPY PASTE LIKE A BOT OR ROBOT. I MADE XXXX COMPLAINT BEFORE AND YOU TOLD ME THAT I WILL GET ACCESS TO MY MONEY XX/XX/XXXX WHY YOU MAKE ALL DIFICULT. I M REALLY TIRED ABOUT ALL SITUATION MY ACCOUNT WAS LIMITED, WHY YOUR SYSTEM STILL ADDING MORE LIMITATION AND ASKING FOR DOCUMENT. I CALLED MANY TIMES AND TEXT MANY TIME I DINT GET HELP. i sent many email explain my situation and nobody help or do somenthint for help ME XXXX I JUST WANT YOU DO THE SAME YOU SAID YOU WILL DO NOW
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: paypal has permanently restricted my account from being used. I received an email stating i can no longer do business with them on XX/XX/2021. I called paypal to, once again, take my account restriction off. Paypal had just placed it on restriction and then removed the restriction as everything was satisfactory. When i called paypal, they wouldn't even confirm that my account was restricted or say anything but in 6 months that I would receive an email with instructions on how to get my money back. After several calls, I gave up. I already couldn't withdraw rent and was told I had to move. I also ended up losing the job due to having to move and now I couldn't even get paid for work through paypal, which is why I opened my account in the first place. So six months later, i try to transfer out of Paypal and didn't have any luck. I called Paypal and asked what was the hofd-up. once again they said that they would want me to wait longer. And i have waited long enough finally. My whole life ( lately ) has failed from Paypal since. I need some serious counseling from the damages paypal caused my family and me. We lost out on opportunities from having that money. we are still recovering. It's still affecting my situation. Im not sure what to do, nor how to do ANYTHING anymore. i know i can't trust banks. i dont know how to act with any businesses because i now know they can do this to a person, and will do it and not have to tell you a thing and there's nothing you can do about it, because there is no paypal bank. I have lost almost everything and am most likely to get a divorce before this is over.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: In XXXX of last year when my husband 's XXXX came through we needed a spot to deposit it. I chose my PayPal account. When the money was deposited the account was frozen. I contacted PayPal and they told me that my account was under review and would be that way for a standard 180 days. They have since opened new reviews extending that deadline. We are now at almost a year later and they are still holding the account XXXX. There is over {$9000.00} in the account, mostly XXXX money, and it's time they released their hold of it.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have XXXX USD in my balance and I can't either withdraw it either transfer it, it's been now more than 4 months.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I processed a purchase with a seller through Paypal, 2 hours later, the seller refunded the purchase because the order form has not been filled out correctly. The seller has issued refunds numerous times with other clients and paypal has always processed the refund the way it was received. However, paypal changed their default refund method to echeck which apparently takes 7-10 business days to clear the sellers bank and up to 30 days to be refunded to my account. I contacted paypal immediately when I noticed the refund was not processed right away. I have messaged them every day since XX/XX/XXXX and the seller has messaged them as well. They refuse to issue the refund immediately and hide behind this excuse. They get to hold on to my money for possibly a month a mower and make money off of me. Their representatives have lied about when the funds would be issued back to my account. I was told it would be on the XXXX and they told the seller that as well. The funds are still not in my account and they are back to saying it could take up to 30 days. Because of their size, they think that no one can fight them or do anything to hold them accountable for their deceiving business practices.
Company Response:
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/31, I was in contact with a person selling a ticket to the XXXX XXXX game in XXXX. After texting and talking on the phone for a few hours, we agreed that I would send him half of the money ( {$600.00} ) for the ticket then he would send it before I sent the remaining {$600.00}. After I sent the money he blocked my number and blocked me on PayPal. I reported the transaction to both PayPal and my bank ( XXXX XXXX ) and they both denied the claim stating it would be a loss to them.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I listed a XXXX XXXX for sale at {$850.00} on XXXX XXXX. A buyer contacted me and offered to pay for the item using Venmo. I didnt have much experience with Venmo but I knew it was owned by XXXX which is a federally regulated bank. I went to Venmos website to check their policy on payment refunds and it clearly stated that payments could not be reversed once sent without the recipients approval. When you call Venmo support, it clearly states on the recorded message that payments can not be reversed once completed without the recipients approval. The buyer came to my house on Thursday XX/XX/XXXX and we performed the transaction in front of my ring video doorbell. He verified that he was the buyer who contacted me on XXXX and I confirmed the payment had been completed with Venmo via email and the Venmo app. I initiated a transfer of the funds to my bank account. I gave him the XXXX afterward. Four days later on Sunday XX/XX/XXXX, I received a message from Venmo that the transfer was flagged for review. I tried calling them but their offices were closed and so I responded via email asking for further information. I did not receive any reply and called Venmo on the following day Monday XX/XX/XXXX. I checked the app for an update and it said they had refunded the buyer without having made any attempt to contact me for details. When I reached them via phone, they asked me for details like my drivers license and a photo. The call was disconnected shortly after I provided these details and I couldnt get a hold of a representative as the offices were closed when I tried again. Further requests for an update via email went unanswered. I called again today XX/XX/XXXX and they failed to provide any information about what happened with the payment. They stated an account representative would review my claim and respond by email. I feel that Venmo has a legal obligation to complete this transaction. Venmo is a federally regulated money-transfer service that makes certain claims about how their service operates which are deceptive. The way they handle payments is a recipe for fraud. I took reasonable precautions to check how their service operated with respect to refunds and they were inaccurately described on their website and phone support. Venmo should be held liable to refund the money the withheld from my account. If there is anything you can do to help, it would be greatly appreciated.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I contacted PayPal to submit a complaint about a particular seller. After over 90 minutes of back and forth, PayPal refused to officially chronicle any form of complaint. First, they said the seller had done nothing wrong so they would not note a complaint about the seller. I then accepted this was their policy. However, then I asked to submit a complaint regarding the fact that they refuse to even accept any complaints regarding a seller 's particular transaction practices. This is where the second and most important issue is : they refused to even chronicle a complaint about their own ( PayPal 's ) consumer practices. Even though I was talking to a PayPal agent, they refused to take this feedback or complaint and directed to me to the " feedback '' section of their site which I could not find after searching around their own site for about 20 minutes. Even searching the keyword " feedback '' on their help page did not pull anything up. I am submitting this complaint because a financial institution making it extremely difficult, if not impossible, to register complaints is essentially committing an unethical practice since it will be unable to produce any consumer records in the event of a governmental audit. I suspect this is probably why they make submitting complaints about the institution itself so difficult.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A