Date Received: 2021-09-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hi CFPB, My full name matching my passport XXXX XXXX XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com it stole all my moneys XXXX. im XXXX, i play in the XXXX XXXX and i give my XXXX XXXX XXXX to friends in the XXXX XXXX, i XXXX items in the XXXX XXXX XXXX and i XXXX it to my XXXX in the XXXX, the XXXX XXXX me by Paypal bank, because Paypal monopolize the market in the internet and she is dominant 70 % of buyers online work with it, she is good with buyers but sellers like me not, she punish them harshly, this is 4 years I work with paypal and I know it, she dont protect digital product, the probleme why paypal Ban my first account is : I give my service to 100 customers, and one of this customers is scammer he do dispute he says to paypal I dont receive my physical product and paypal give him back the money and Ban me, its bad to paypal ban me, 1 bad man Ban my account!!!! we can't receive payment by bank transfer ( you need to waiting 10 days to receive your money ) or other service, we have just Paypal in the internet to receive the money quickly, i live with this service with my family, I don't know why paypal block my accounts, she told me : after 180 days you can withdraw your money, im waiting 180 days, but i fund Paypal took all my money : XXXX, its not good to took money people, she take the money by force and you can't do anything, pls help me to get my money back, im poor and i have just this money for living, i invest it to buy items in the game and sell it, im a good man ; im not a hacker or scamer, i want just to live with peace, Paypal told me after XXXX you get your money, this is what I want, to give me my money from my accounts Paypal, it passed 180 days and I dont have any dispute or problem with customers, so give me my money XXXX. Its my investement and my profite, -PayPal transferred my whole balance and took my hard earned money, Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. - XXXX, I support my family and gather to get married and buy a house. - This all my accounts Paypal : XXXX / XXXX/ XXXX / XXXX/ and this is the account of my sister of mother, I used it with her consent : XXXX, total is XXXX - They steal my money in the month 7. -I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I sold 3 items to 2 different people on XXXX on XX/XX/21. Paypal has NOT sent the money to me, there is a hold for NO apparent reason. I think they are keeping it to get the " float '' on it.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PayPal placed a Limitation on my account onXX/XX/XXXX due to fraud. On that day I spoke to a Supervisor- XXXXi- She escalated by case. On Friday XX/XX/XXXX I received a message stating that you partially removed some limitation, however I can not tell what those are. I still have no access to my funds. No responses from my daily messages to PayPal. I have attached the documents requested by XXXX again. The package for XXXX XXXX was delivered on XXXX. As you can see there was a note included, showing her satisfaction- The RISK of a chargeback is no existent. The other is the REFUNDS-UNKNOWN- XXXX XXXX are payment from a Delivery/XXXX XXXX- XXXX XXXX XXXX. This is how they pay in their instant payout feature to a debit card. These are not charge backs. I would also like to add that I have had over XXXX sales in my XXXX store with no charge backs at all. If you need documentation of that please let me know. This account is all my funds in the world. I have not been able to purchase gas or buy food for my family. As you can see the deposit that came in last week was my Federal Child Tax refunds and payment from another XXXX XXXX I work to make extra money for my family since I am a single mother.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Paypal has restricted my account and won't let me close it until I provide a photo ID, proof of address ( utility bill ) and a copy of bank statement. I have been a customer of theirs for over 20 years and have lived in the same house for the last 9 years. I have used my account in XXXX and in XXXX. In XXXX we made 2 normal transactions ( a donation and a purchase ) with other people. Apparently one of those in the eyes of Paypal was questionable. The donation was {$50.00} and the purchase of a custom piece of clothing was {$280.00}. I talked to a customer service rep and then escalated to a supervisor. They won't allow me to even close my account without providing the documentation. They also told me I can't escalate any further and that nobody can overturn it as it a system feature. Furthermore, if I don't provide the information they are asking for I won't have access to my money to use or close the account until 180 days. This is absolutely ridiculous that they can hold my money hostage. I feel they are doing this because I don't use the account as much as I once did. They have had no problem taking my fees for the last 20+ years but now that I don't use it as much, they are making it tougher on me.
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal is fraudulently locking me out of my own account. When I tried to log in, the bogus phone verification page pops up and it does not work at all. Seems to me, they do this in order to lock people out of their account so hopefully they can keep the money in the account.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Reference From Paypal : ID : XXXXAccount permanently limited XXXX XXXX received a letter from Paypal stating that I can no longer use my paypal account for no reason and paypal is holding my money USD XXXX up to 180 days or 6 months. I would like a fair resolution of this issue. I'm only using paypal for sending and receiving funds from my relatives abroad and salaries for my online jobs and I can see no excessive risk associated with my activities. Paypal must restore my access and must not hold my money as I need it asap. Please reinstate my paypal account. My email address is : XXXX. Thanks.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a PayPal negative balance. Forwarded each email to XXXX as site instructed. No transaction matching the debt has occurred on the PayPal account. Response from PayPal : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. In each instance the PayPal account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. XXXX XX/XX/2021, letter received from XXXX XXXX XXXX XXXX claiming to represent Creditor : PayPal , Inc. Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse.
Company Response:
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX, I need to transfer my money from my PayPal balance to my XXXX debit card to pay for my XXXX tuition ( XXXX XXXX XXXX XXXX ). But PayPal set limitations on my account, so I can not transfer money to the debit card. I call PayPal ( China ), and they let me wait and try next week. After a week, I try to transfer my money, but their system still set limitations, I can only withdraw $ XXXX from PayPal balance to my XXXX debit card. But my tuition fee is over {$14000.00}. ( The evidence of the call is in XXXX ) On XX/XX/XXXX ( XXXX EDT ) I call PayPal American help center ( I use my phone number XXXX ) to find a way to solve this problem. They suggest I create a USA PayPal account and transfer money from my Chinese PayPal account to my USA PayPal account, and then the limitation problem would be solved and they told me the fees would be XXXX %. They suggest I transfer my money to a PayPal US account. Under their suggestion, I create a USA PayPal account ( XXXX EDT ) add my debit card to PayPal ( XXXX EDT ) and transfer {$22000.00} from my Chinese account to my U.S. PayPal account ( XXXX EDT ), however, they charged me a {$1000.00} fee, because their system identifies my action as a payment. Their system didnt show me a {$1000.00} fee in the entire process, or I will stop the transaction. ( The evidence of the call is in XXXX, the email evidence is in XXXX, XXXX, XXXX ) This transfer fee is {$1000.00} fee ( 4.39 % ) because the PayPal system thought this is a payment and I'm selling goods from China to the USA. And my American PayPal account had also been frozen by PayPal. On XX/XX/XXXX, ( XXXX EDT ), I report this error to PayPal America ( I use my phone number XXXX call them ), their agent recorded my case and promise me that Ill get back all the money and including my fees ( {$1000.00} ), but my account is on hold, and they should restore my account, then when I click the refund button, I can get all my money back to my account including my fees. ( The evidence of the call is in XXXX and XXXX ) After two weeks wait, my account is still on hold, so on XX/XX/XXXX I call PayPal American againI use my phone number XXXX call them, and make a video record when I calling PayPal American, they also promise if I follow their instruction and refund the money, I will get all my money back. On XX/XX/XXXX the hold on my account is moved. But PayPal refuses to cancel the transaction, refuse to refund all my money, they said the fee ( {$1000.00} ) is already charged, they can not refund the fee. They can only compensate me {$100.00} credit to my PayPal account. ( The most important evidence is in XXXX )
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from a company called XXXX XXXX XXXX stating that they would obtain a judgement against me if I did not pay money to them for a collection account for PayPal within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 1 ) Ive never had a credit account with PayPal and when I called the number listed I was on hold for 2 hours on three separate occasions. This is harassment and a bullying tactic and I want this to STOP!
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A