Date Received: 2021-08-21
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I help operate a small water district that collects money for the water used - suffice to say we are a legitimate business, collecting money for legitimate purposes. We wanted to allow customers to pay using a credit card, so we created a business account with PayPal over 2 months ago. After some sales ( around {$6000.00} in total XXXX PayPal has completely shut down my account and froze all my funds. Right now there are hundreds of subscribed customers that are unable to benefit from our services because of this situation. We called customer service and they could give no further info or reason why we were suspended. I finally had enough and I am coming to the Consumer Finance Protection Bureau ( CFPB ) site to file a complaint. Please let me know of any documents or information you may require.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
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: On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal.
Company Response:
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: This morning I woke up to a notice that I had received a payment from someone via Paypal in the amount of {$4500.00}. While this payment was due, the payor was not authorized to make the payment to me via Paypal, and as such, the moment I saw the payment, I immediately refunded the full {$4500.00} to the person that had paid me. However, PayPal is charging ME a fee of {$130.00} for the {$4500.00} payment, which again, has been refunded. I submitted a request for Paypal to refund the fee, and they replied that their policy is to deny all fee refunds as of 2019. This is dumbfounding ; how in the world can they possibly charge one customer an exorbitant fee for another customer 's error??? As I've said, I've returned this person 's {$4500.00} ; all I want is the {$130.00} back -- which as far as I'm concerned PayPal stole from my account. I did not authorize or request this payment, I do not sell any goods or services on XXXX or via Paypal at all. This fee should be refunded. Thank you for your help with this matter.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: As of today, XX/XX/XXXX, I have called PayPal twice prior in regards to a surprise account limitation. There is over {$600.00} in my account at this time. I run a small business and provide a garbage hauling service for people who need items hauled away. The first time I called, XX/XX/XXXX, I was told a case would be opened and I would receive more information in 48-72 hours. I called back XX/XX/XXXX to ask about the case status and the person I spoke with told me they did not see a pending case open and would open one at that point. Both times I tried to get an explanation for why my account was limited and neither person could give me any sort of answer and simply said there was a violation of term and agreements. I have been a PayPal customer for over 10 years with no issues or warnings. XX/XX/XXXX I received a link to upload my drivers license and have had zero communication from PayPal once again. I called the number ( XXXX ) XXXX XXXX on XX/XX/XXXX @ XXXX XXXX EST ( 15 DAYS AFTER I WAS TOLD I WOULD GET A REPLY ) and was put on hold with an expected wait time of 12-18 minutes. What PayPal is doing here is immoral and Illegal. You are stealing my money and hiding behind thousands of words of legal mumbo jumbo that no one reads. XXXX ( a person with a thick hard to understand accent ) was the customer rep that called back at XXXX XXXX EST XX/XX/XXXX. He asked for and explanation for a transaction the occurred on XX/XX/XXXX from XXXX XXXX I explained that I had already told the person on XX/XX/XXXX that it was a service for hauling garbage away. I was put on hold at XXXX EST. XXXX then told me that in 30 minutes my account would be back in good standing. Since the limitation was being reversed. This reversal would have occurred at XXXX XXXX EST XX/XX/XXXX. The evening of XX/XX/XXXX the account is still limited. This company is full of crooks and bold liars willing to do anything to get me off the phone. Called back XX/XX/XXXX @ XXXX XXXX EST and back on hold. The person I spoke with, XXXX ( also had a difficult to understand accent ), asked me the exact same questions I was asked XX/XX/XXXX, XXXX, and XX/XX/XXXX and told me that there was no way that the account limitation would be lifted ( Complete opposite of what I was told the day before by XXXX ). So clearly the person I spoke with on XX/XX/XXXX was another liar just trying to deflect me. She constantly apologized for herself and PayPal and told me that she would escalate the case. I told her I didnt want any apologies and wanted to talk to her supervisor. And this point I heard laughing and talking in the background. She put me on hold as I waited for a supervisor for 10 minutes after that the line rang for another 10 minutes until I finally hung up. I have done nothing wrong and this company is hiding behind call centers and legal jargon. At this point I want the balance of the account back plus damages for all the time spent and headache I have endured speaking with this criminals.
Company Response:
State: IN
Zip: 47905
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: For some time now I have a financial account with the PayPal company. Recently I was informed by the company that my account is permanently limited which means that I can't use the account anymore. The reason listed for this decision was " activity in your account thats inconsistent with our User Agreement ''. I feel that this decision was made by mistake, all my account information is correct and I never missed a payment on PayPal loan.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 Venmo deducted my account - {$1200.00}. I had to report fraud on my Venmo account through my bank. Bank agreed and gave me my money back. Venmo then decided to deduct that money and leave me owing money with a negative balance. Within that timeframe I received {$300.00} total from friends/family and that amount was used towards paying the money back Reached out to support. They investigated and closed case. Wont respond any further. I want the - {$1000.00} amount cleared to {$0.00} and my {$300.00} returned to me in my account.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I received a total of {$13000.00} from a family member. This money was for my school tuition. On XX/XX/2020 the money was transferred to a bank account through PayPal in which I do not own. I immediately called PayPal, filed a dispute, and was denied. Showed proof that it wasnt my bank account and someone else transferred it, not me. PayPal is of no help and refuses to refund my money because of their lack of security and investigation. PayPal is a SCAM company who doesnt care about their consumers.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XX/XX/2021 PayPal has decided to close my account with an available balance of {$8100.00} The email sent to me stated : " After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal. What happens to your account balance? If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities like settling cases from your buyers, responding to chargebacks and helping you avoid financial losses. As we initiate the closure, we must oversee the appropriate movement of funds in your account. If your account balance is below XXXX, you'll have to settle the amount owed on your account to avoid further action. How will the process work? Our first review will calculate our exposure and can result in any of the 3 different outcomes mentioned. After each review, excess funds will be released for withdrawal. Well communicate the outcome of the reviews to you. We'll release the entire remaining balance to you for withdrawal. If you choose not to withdraw the funds at that point, we reserve the right to re-coup any funds at the next review ; or We'll release a part of your remaining balance to you. If this is the case, we'll inform you about how much funds can be withdrawn. We'll then conduct another review ; or We won't release any funds to you if we deem our exposure to be greater than or equal to your available balance. Your account may be reviewed multiple times ; for up to 180 days from the date of this email. If there are funds in your account at day 180, it will be made available for withdrawal at that point. '' On XXXX XX/XX/2021 PayPal sent me an email stating : " We're holding funds in reserve to cover any possible account liabilities because of your account limitation. We'll review your account monthly and release your funds between 30 and 180 days. You can see the details of these funds when you log in to your PayPal account. Click Pending Balance from the Account Overview. You have funds available to withdraw. You can transfer this directly to your bank account. Reserve Amount {$820.00} USD Release Amount {$7300.00} USD To access released funds, log in to your account to make a withdrawal. You can withdraw funds to your bank account. If you have a negative balance because of a limitation, we may try to cover the negative balance from the reserve amount. '' I did not withdraw the money because I was sure that there will be no chargebacks, so I could withdraw all of my money at once {$8100.00} 180 days have passed on XXXX XX/XX/2021 and I have logged into my PayPal account and my available balance was {$0.00} Without any warnings, PayPal took all of my money. I have tried to settle this with them multiple times but they are not cooperating. All they are saying is that I have violated their AUP policy, which btw states that if I violate it they may debit my PayPal account up to {$2500.00} USD. Instead, they took all of my available balance {$8100.00}
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made an online purchase using Venmo that turned out to be a scam. I contact Venmo after exhausting my attempts to contact the seller ( purchased carbon handle bars, mounting stem ) and was told Venmo transactions should only be completed with people you know and trust. They offer no protections and refused to close the scammers account. Through research this person XXXX XXXX XXXX XXXX is actively scamming people and Venmo is aiding these scams by not address their clients feedback. I plan to discontinue my use of this service but don't want others to fall victim to the same scam because Venmo allows fraud/scams to occur on their network. Luckily it was only {$150.00} but could be much worse with not safeguards or consumer protections. I hope their executive enjoy their nice bonus made of of my hard earned dollars that were stolen from me.
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A