PAYPAL HOLDINGS, INC


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"Products" offered by PAYPAL HOLDINGS, INC with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Other mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card

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Complaint ID: 4504651

Date Received: 2021-06-30

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I'm hoping I am in the right place. On XX/XX/2021, I sent my niece {$200.00} via PayPal as a wedding gift. My niece never received it. After looking, it appears i misspelled email address. She uses her college email address and i put a ". '' between her first and last name when no ". '' was needed. Email address i sent to is not a working email address. I tried sending a test email to it and it came back as undeliverable almost immediately. I have contacted PayPal a couple of times and they tell me to contact my debit card issuer as that was where money was withdrawn from. I contacted my debit card issuer, XXXX XXXX XXXX, and they said that should an issue for Paypal to resolve, which I agree with. I have received absolutely no help from Paypal. I get the same canned message from their support team

Company Response:

State: UT

Zip: 84404

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503805

Date Received: 2021-06-30

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: PayPal is enabling a company in XXXX to systematically defraud US consumers my manipulating the dispute process PayPal established. the company, who advertises through XXXX, only accepts PayPal payments. They claim to be American based companies and then delay chipping on products for over a month. They advertise one product and then ship another or ship never ship the purchased products. When a dispute is filed with PayPal the companies require the products be shipped to the XXXX with a cost of over {$190.00} per shipment which prevents any resolution of the problem. I have encountered this problem 3 times with PayPal over the past year with companies that had different names ; however, when I disputed the purchases through PayPal, the return address for all three companies was the same address. Below is the response I received through a PayPal Dispute : You've received a new message sent you a message in response to your request. We encourage you to respond to as soon as possible to resolve your issue. Here 's the seller 's message for you : Dear Customer, We're sorry that you're not satisfied with the package you received. According to our company 's return policy, we can refund you, but there are two conditions. 1. You need to return the original package, please send the tracking number and the picture of your returned package ( show the return address ) 2. Once we received the package and checked if the product is in good condition, we will refund you as soon as possible. You can return to the address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PayPal is enabling systematic fraud by a company in XXXX. They are aware they are doing it and are not taking any step to protect the American Consumer. There are three charges that all had problems and all had the same return shipping address. 1st charge was resolved by escalated PayPal dispute. 2nd charge : {$68.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX charge : {$85.00} to XXXX XXXX, XXXX on XX/XX/XXXX While different companies, the return address provided in the dispute was exactly the same meaning they are from companies for some other fraudulent business. If you go back in my dispute history, you will see yet another dispute where I ordered a hammock that advertised supporting 400 lbs, but was shipped a flimsy hammock that only supported 200 lbs and was useless to me. That dispute was resolved in my favor after escalated disputes. It was the same company. PayPal is allowing a fraudulent company to defraud US consumers and is doing nothing to prevent that. Do the math ... I purchased 2 electric vests ( {$68.00} XXXX. They did not work. I disputed with merchant, they said to ship back to main land XXXX for a cost of over {$190.00}. {$190.00} - {$68.00} = a loss of {$120.00} to return a product that did not work. Your company supports that. I purchased 2 hammock stands that go in a hitch that came with 2 hammocks ( {$85.00} XXXX. They only shipped the hammocks and the hitch inserts. They said they were not shipping them and I could return the hammocks for a refund. IT WAS THE SAME ADDRESS FROM THE IN MAINLAND XXXX. Different company name, same return address, same {$190.00} to return the {$85.00} product. This time they advertised one product and never shipped it. {$190.00} - {$85.00} = loss of {$100.00}. Once again, your company supports this fraudulent company. This is not a one off product dispute, but systematic fraud that PayPal is enabling by defending fraudsters in XXXX and allowing theft to American consumers. Your company advertises protections for consumers but fails to uphold those policies. Fraud prevention Contact us if anything seems suspicious so we can help you protect yourself from fraudulent charges against your account. We'll never ask for sensitive information in an email. Dispute resolution If there's a problem with a transaction, we'll put a hold on the funds until the issue is resolved. We investigate and stay involved every step of the way. Purchase protection around the globe Buy or sell around the globe. We process 25 currencies in over 200 markets to make sending, spending, and selling simple and secure. PayPal Dispute # 1 : XXXX PayPal Dispute # 2 : XXXX XXXX CASE # : XXXX

Company Response:

State: VA

Zip: 230XX

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503773

Date Received: 2021-06-30

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I had a recent bank transfer to my bank, however the routing numbers were changed on my bank account but I forgot to update it on PayPal, therefore I never got the money even though paypal completed it. I already removed the bank account with the old routing number but PayPal says they can not reverse it. I have no idea who has my money, because my bank that was supposed to receive it never got it. My bank account number is the same but routing number got changed. Transaction ID : XXXX My banks routing number was changed, but the account number ending in XXXX is the same. That is why the funds never got transferred. I contacted my bank and they said that either PayPal can return the funds back to PayPal or cancel the transfer. My bank never got anything. So, I do not know where the {$67.00} went. Account email : XXXX XXXX

Company Response:

State: NC

Zip: 27519

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503767

Date Received: 2021-06-30

Issue: Identity theft protection or other monitoring services

Subissue: Problem canceling credit monitoring or identify theft protection service

Consumer Complaint: On XX/XX/30 I tried to pay an invoice I received through XXXX when I reset my password because I was unable to access this account, I found out the account was in somebody else name with fake address and dont know what else fake info used. XXXX let someone else use my email to access my account without a minimum security step.

Company Response:

State: NY

Zip: 106XX

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503747

Date Received: 2021-06-30

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: Hello! I used PayPal as a place for my tiny business and XXXX streaming! My account was permanently limited and when I called them they told me there was no reason for it and to make another account and it should be fine! I then continued to make another account and that one was also limited so I made a business account called PayPal and they reassured me everything looked great on the account and not to worry and it was permanently banned AGAIN when I called I talked to a supervisor and they said they could do nothing and wouldnt give me a reason to why they banned my account and said it was irreversible! PayPal was a huge part of my life as silly as that sounds but I needed it for donations and other transactions

Company Response:

State: NJ

Zip: 078XX

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503737

Date Received: 2021-06-30

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: Over 2 weeks ago my Venmo account was suspended with no warning or reason. I deleted this and made a new account. 2 clients of mine sent me money totalling {$500.00}, and as soon as I tried to transfer this, my account was once again suspended. It has now been over 2 weeks and I have not been able to access my {$500.00}. I have reached out to Venmo via phone and email to no avail. I seem to be getting sent in a circle where " the next person will surely be able to help me '' if only I comply with the things they request. I have proven my identity, gone to my bank for a statement to prove ownership of my bank account, I have called and been denied to speak to a supervisor. I have sent numerous emails. All to no avail. It seems at this point they are using this account closure as means to keep my money, totalling {$500.00}. This money is how I pay my rent and with the 1st approaching I will surely be in quite a large financial and personal housing crisis due to this entire scam.

Company Response:

State: CA

Zip: 95648

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503505

Date Received: 2021-06-30

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: I opened a PayPal account for a way to have money direct deposited to me. And was successful. But after receiving those funds PayPal limited my account. I tried to provide the information they asked for but they then sent me a message saying I was no longer able to use PayPal. And now they dont give me the ability to provide any info and they also are holding XXXX $ of my money Numerous phone calls and messages and no resolution. Please help. XXXX XXXX

Company Response:

State: OH

Zip: 44305

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503365

Date Received: 2021-06-30

Issue: Problem adding money

Subissue:

Consumer Complaint: Hi im XXXX XXXX from XXXX, im new user of this paypal i already sent my ID but my fault are i dont have any card to verify, i need this paypal for my work XXXX XXXX, but suddenly limitted account and i will wait for 180days to widraw my balance, please need help to consider my account if possible, cause i need this for my financial problem, i promise to open a mastercard for validation of account, this is my paypal email XXXX thanks in advance, XXXX

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4503107

Date Received: 2021-06-30

Issue: Fraud or scam

Subissue:

Consumer Complaint: On XX/XX/XXXX, I initiated a purchase through an online add for a discounted XXXX. I used my PayPal account to process the payment. Immediately upon the transaction being done, I received an email confirmation showing that my payment had been made to a personal email address and not the company I thought I was transacting with. This is a clear case of Fraud, where the user has set up a pfishing site that is a near exact copy of the actual site. Fraudulent website located here. XXXX XXXX XXXX Website is misrepresenting XXXX XXXX XXXX Payment was made via paypal and immediately misdirected to an email address that is clearly not XXXX. The issue was immediately reported to paypal so that you could prevent the fraud transaction from being cleared. I open case XXXX, which was closed systematically today without resolution. I have attempted to correspond with PayPal and instead I am being sent a redirect email from them directing me back to their website. Here is the email address that payment was redirect to : XXXX Please contact me for additional details.

Company Response:

State: LA

Zip: 71111

Submitted Via: Web

Date Sent: 2021-06-30

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4502265

Date Received: 2021-06-29

Issue: Managing, opening, or closing your mobile wallet account

Subissue:

Consumer Complaint: paypal suddenly hold my money. they did it before but i already answered and complied with all their questions and needed documents but they did it again! once again i answered all their questions and attach legal document like my bank statement but i still didn't get response

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-06-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.