Date Received: 2021-07-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I had the following chat. The broken link is still on the page and still broken. ... Would you like to send this conversation to a customer support agent? We typically respond within a few hours. XXXX XXXX - PayPal Assistant Yes XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. XXXX XXXX - PayPal Assistant I messaged you last night. But it seems you threw away the question. https : //www.paypal.com/us/smarthelp/topic/NONPROFITS_AND_DONATIONS won't load. You link to it from https : //www.paypal.comXXXX Please fix the link and send me the FAQ. Hello? XXXX XXXX So angry now. It's been almost an hour. Hello? You link to it from hundreds of pages, e.g. https : //www.paypal.comXXXX Hello? This is absurd. I'm looking for clarification on the " *Some partners may charge fees on donations made through their platforms. See FAQ for details. '' sentence - are banks/VISA/MC such 'partners '? XXXX XXXX Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. XXXX Thank you for contacting PayPal, my name is XXXX. When it days XXXX its describing sites like XXXX that uses PayPal to receive donations but XXXX will take a percentage of the funds collected before they are sent over to PayPal. XXXX XXXX - XXXX This conversation has been closed.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Paypal announced today that they are partnering up with the infamous known " XXXX '' organization that has been known to be XXXX XXXX in their ways of treating people who are known to stand against the criticism of XXXX - in a move that would ban people the use of the paypal system based on their political view.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 I was scammed out of making a Purchase of product from someone using Venmo. I normally dont use Venmo to purchase something like this but the person said this was the only way. Well come to find out, this person took my {$310.00} and then proceeded to relist the same item again, scamming more people out of the money also. I have contacted Venmo multiple times who refuses to do anything. Stating that goods and services is against their agreement so they are refusing to assist at all. Even when I ask them to look into that persons account to view the fraud/scam transactions they act like nothing can be done and that im stuck with this. I have disputed this transaction through my credit card also but they are also saying due to Venmo 's rules that I am stuck with this. I dont care about anything else, I just want my money back for this. They can gladly cancel my account if they wish to. As I will not be using Venmo ever again.
Company Response:
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Multiple MasterCard credit cards received in the mail from Venmo that I didnt apply to. I requested Venmo provide me with information on wether or not this is a glitch in their system or if it truly appears there is criminal activity. Venmo did not respond. They did close the credit card accounts but that is it. I received twelve credit cards with different account numbers on them. All with the same name except one has a different name. At no point did I ever applying for the Venmo Credit Card, nor did I authorize them or XXXX XXXX to share my Venmo account and personal information.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: {$6200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. I handle business for my company for several months utilizing paypal with no issues. At one point my supplier was late sending a product shipment. This cause many people to file complaints. As the products came in a shipped them out ( with tracking ) asap, but many were late. About 160 days or so prior to XX/XX/2020 my account was put on hold and I was told I had to wait 180 days to receive my funds. On XX/XX/2020 Paypal neglected to follow through with their original promise and deducted EVERYTHING from my account to credit themselves, unjustifiably. I contacted them on multiple occasion and have yet to receive a valid explanation as to why they took my funds and caused my business to fail in the promise
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021 I initiated a transaction with another user in PayPal. The transaction amount was {$2500.00}. I had the user refund the money through the PayPal interface. The balance of the transaction that was from my PayPal account was refunded but the remaining {$2400.00} was not refunded back to my account. Since the initial transaction I have worked with PayPal and my bank to get the refunded money ( {$2400.00} ) back into my checking account. PayPal keeps saying the card issuer has to find the money but the bank has traced all the IDs provided by PayPal and concluded that PayPal issued and then recalled the refund. PayPal keeps saying it is a hold on the money and the bank has to release the hold. The bank, XXXX XXXX, has provided PayPal with confirmation that the money is not on hold nor was it refunded to my account on several occasions now. The bank even provided a contact in the executive office for PayPal to confer with in regards to this issue. It has been over 4 months now since the transaction and PayPal has not made any headway on this much less resolved the whole issue. A previous CFPB complaint ( XXXX-XXXX ) was submitted for XXXX XXXX to confirm that all actions that could be taken were taken on their part. The bank has confirmed there are no further actions they can take and that PayPal is responsible and liable for this transaction.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal permanently Limit My account For No Reason And I'm Facing Financial issues And I didn't do Anything Wrong And they hold my money 180 Days for no reason. And I need That Money Urgently Because I'm A Facing Financial Problem Due To Corona. Please I want Money. My PayPal Email- XXXX Thank you!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX and XXXX as well as unknown telephone numbers. Fake email accounts have been open under my name as well. I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. I have not received any response from XXXX and they are failing at complying with this identity theft investigation. Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear CFPB, Below is the chronology of the case 1. I bought product from merchant in installment payment without time limit. The invoice worth {$2700.00} USD. Invoice attached here. For your information, invoice is paypal invoice. I paid in total {$1200.00} months ago and i have no idea that PayPal did not count the invoice as buyer protection but only count each payment made for 180days buyer protection. 2. Before pay the remaining balance of the invoice {$1500.00}. I contacted seller in XXXX. Why XXXX? Because XXXX is the only place we communicate as i dont have her XXXX number nor her mobile number. Seller online but did not response to me. I tried XXXX call as well but ignored. And then, i tried to contact her via XXXX pretend to ask about one of her listings and replied immediately. Attached XXXX inbox and XXXX response from seller. Therefore, it can safely concluded that seller avoid me purposely. 3. Something sounds not right for me so i decided to open case of previous {$1200.00} payments and found out already passed time limit. Because i trust PayPal i paid the remaining balance of {$1500.00} through PayPal invoice in order to open the case despite the fact that seller ran with my {$1200.00}. With a hope that PayPal can investigate this to its roots. 4. As you can see, balance paid by XX/XX/XXXX and i fill a dispute right away. Normally it takes 7 days before i can escalate it to a claim. But because i called PayPal. And told the whole story also provide black on white evidences. PayPal cs escalate for me because i told PayPal cs that in the invoice there is terms and conditions made by seller saying that in any events if buyer change mind there is 5 % restocking fee and the rest of the amount that already paid will be converted to a store credit. I told PayPal cs previously i will honor the terms and conditions made by seller for 5 % restocking fee but i refuse store credit because sellee is not selling anymore for the past half year. So store credit is no point. How to buy from someone who doesnt sell for half year already? 5. Because seller avoid me after took my money i decided to cancel the transaction because i dont want problems. Shipping from usa to XXXX as shown in invoice is {$160.00}. In case items received broken/incomplete PayPal only cover shipping refunds at maximum {$20.00}. And in this pandemic situation, you can also browse news XXXX is the epicenter of covid 19 in XXXX. I wont jeopardize myself to go to post office/shipping carrier with a risk to be exposed in covid. 6. I never fight for 5 % cancellation fee mentioned in terms and condition of PayPal invoice but seller has shown unethical business practice because case escalated to prevent her to ship the items but yet she still ship it. 7. I raised my concern to PayPal and PayPal said i can refuse package from XXXX. Paypal will take care for me. But in this pandemic everyone needs money and i have conscience so i stop the shipment while still in USA. If i refuse the package after arrived in XXXX seller will loss another {$160.00} shipping cost back from XXXX to USA. Im being considerate here and try to save money and trouble for everyone but this is what i get in return. 8. All calls i made to PayPal usa are recorded. I called PayPal on XXXX XX/XX/2021 to ask why case estimate pushed back to XXXX XX/XX/2021 and PayPal cs keep assuring me to wait until XXXX XX/XX/2021 PayPal promised i will get full refund of {$2700.00} invoice value if seller still not respond. And when i called PayPal XXXX XX/XX/2021 PayPal also assures me if within a day seller still not response to PayPal case will be closed in my favor. But all are empty promises. Fortunately i record all the call as precautions. 9. Paypal emailed me on XXXX 2021 stated that PayPal has credited temporary provision refund to me but it doesnt reflected in my credit card. Therefore, yesterday i called PayPal. PayPal cs admitted its a mistake and never credit any refunds to me. What kind of mistake is this? Is this mistake acceptable for a big company like PayPal? Attached the email from PayPal. 10. PayPal cs asked me to confirm with XXXX. If package confirm returned successfully and received by seller. I already provide statement from XXXX upper management specialist confirmed that seller has received back her package on XXXX XX/XX/2021. If PayPal wants to confirm the legitimate email from XXXX. PayPal is free to call and confirm with XXXX rather than keep me hanging and keep dragging me? Its such a huge amount of money. I would not pay {$1500.00} and makes me sink even deeper risking loosing {$2700.00}. 11. I would like to clarify regarding seller statement on the case. First, seller excuse not to reply me because i change my XXXX name so she doesnt know me. Its total lie. Regardless what ame i changed into, the XXXX has the message logs between me and her. She can scroll and find out who im. Or else, if shes lazy to screenshot she can ask me who im. And if she doesnt reply because she doesnt know me why she replies in XXXX to a stranger who ask for her item availability? Second seller accused me to block her from XXXX. Attached the screenshot of the message in XXXX of seller asked why i block her. My questions are if i block her how come i receive her message? And the funniest thing is, She has thousands dollar of my money why would i block her? Shouldn't be the other way around? 12. Attached here the copy of XXXX label, airway and commercial invoice filled by the seller that i received from XXXX XXXX. As shown the package value written by the seller is {$2700.00}. It match the total value of the PayPal invoice billed to me. Its undeniable evidence prove that i never receive any items in the PayPal invoice before. Therefore as recorded on my call with PayPal. Paypal will refund me total of full amount of the invoice {$2700.00}. Please crosscheck the commercial invoice with XXXX to confirm if the commercial invoice sent to me by XXXX that i attached here is a correct commercial invoice seller provided to XXXX. 13. Paypal change case filled on XXXX XXXX yesterday from item not received to item significantly different. How come PayPal justify its actions? Item returned to seller not even out from USA yet. Merchant can use it against me by saying im a liar. How come i claimed item significantly different if i never see it at all? 14. After that i immediately call PayPal and make a complaint about this. PayPal then change back the case to item not received. But its back to square one. Back to first step of dispute. Exactly the first step at XXXX XX/XX/2021 the first time i filled the case. Its dragging, twisting and just unjustifiable. 15. PAYPAL refuse to be responsible for their merchant invoice issued to me with excuse that its not an invoice eventhough the invoice has PayPal head logo on it. Paypal CS also asked me to provide additional information such as XXXX confirmation stating that seller already received her package back and send it to XXXX but yesterday when i spoke to the dispute specialist she said its wrong information as inbox not monitored but PayPal cs told me kust ignore the auto reply email because they will still add the additional documents. After that the specialist ask me to attach the additional information to paypal.com/il/uploaddoc. I did uploaded but she said she dont see any documents uploaded after that she asked me send to XXXX but then i also receive an auto response asked me to login and leave message. 16. I have reached out to upper management through XXXX but all of them no response and some of them read my message but ignore me. Attached the XXXX messages. 17. Paypal refuses to provide me full refund of the total invoice of {$2700.00}, despite there is a black on white evidence which is commercial invoice seller provided to XXXX for the value of package that match the total invoice of {$2700.00} and cornered me saying that i keep bringing the value of invoice. I would like to ask CFPB which seller in conscious mind will send buyer a package with product valued at {$2700.00} when buyer only paid for {$1500.00}? 18. Paypal stated that {$1500.00} i paid not through invoice. When in PayPal APP shown clearly its paid through PayPal invoice. I dont know why every PayPal agent even specialist always say different from another and always try to escape from responsibility by asking me who is the agent that provide me such information 19. PayPal cs promised me that PayPal will go through this case and will provide me FULL REFUND OF THE TOTAL INVOICE OF {$2700.00}. Because proven that the value of the package match the value of the total invoice.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
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: XX/XX/XXXX - Purchased a XXXX XXXX XXXX Autograph Authentic Star # XXXX Card from merchant for {$17000.00} using a XXXX credit card via XXXX. XX/XX/XXXX - Card was received and I had suspicions that the item was fake. I attempted to contact the merchant many times and he was non-responsive via email, phone, XXXX and XXXX XX/XX/XXXX - Started a dispute with XXXX. I called PayPal as well and they said I had to work through my dispute with XXXX. Paypal flat ourt refused to assist with any buyer protection and there was no option on there website to do so. XXXX to XX/XX/XXXX - Spoke to over a dozen XXXX reps, spent over 6 hours on the phone, made 30+ phone calls and uploaded 20 + documents. XXXX has provided conflicting advice many times, including whether I should return the card or not. Ultimately, they told me not to return the card and I still have the fake item in my possession. They told me to get an independent authenticator to verify the item was fake and send it with my dispute. I paid over {$100.00} to get this done in XX/XX/XXXX and the authenticator confirmed 100 % the item was fake. I did every single thing that XXXX told me to do and was denied at every turn. XX/XX/XXXX, I filed a Police Report with the XXXX, Florida Police Department. On XX/XX/XXXX, XXXX from XXXX called for the third time to again tell me my dispute was declined. They misstated that the item was purchased on XXXX. This was a direct purchase from a merchant, not purchased on XXXX. After this entire XXXX month experience, I can only conclude XXXX is the most fraudulent, dishonest and incompetent credit card provided in the United States. PayPal provided no help at all and denied me every single time I called. PayPal wouldn't even let me file a complaint.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A