Date Received: 2023-10-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: I bought a receiver from XXXX using PayPal. My preferred payment method was set for PayPal Credit. PayPal tried to take money from my bank account instead. I did not have enough money in that account so I stopped Payment. PayPal then had a choice to make. They could use my PayPal Credit account, which had plenty of credit available on it for the receiver or they could use my regular PayPal account which had a balance of {$0.00}. In their wisdom, they chose the PayPal account with {$0.00}. They paid the merchant {$570.00}, which caused my account balance to plummet to - {$570.00}. Now they want me to pay them back. I originally asked them to use my credit account because I didn't have the cash to buy the receiver. I still don't have the cash and I don't know where PayPal thinks it's going to come from. I can't give what I don't have. I complained to the Ohio Attorney General. PayPal 's response was that my bank was my preferred method of payment ; and that I chose to use my bank account with under {$100.00} in it to pay for a receiver that cost over {$500.00}. I'm afraid that, unlike PayPal, I understand that I can't pay for something when I don't have the money unless I use credit. This response from PayPal was also the first time they said my bank account was my preferred payment method. I have been communicating with PayPal for over a month about this and not one other person has told me that. Those who chose to tell me said that my PayPal Credit account was what I had chosen as my preferred payment method. So PayPal 's response to the Attorney General included false information. I'm afraid that they will change their records at PayPal to match their lies and there will be nothing I can do about it. They have lost all of my trust.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have been trying to get there answer to where my money has been placed. I received a {$1100.00} refund XX/XX/2023 from a vendor. Prior to receiving the email I told Paypal employees multiple times that I no longer have the original payment method ( because my XXXX XXXX account was closed ) but I was told that there is nothing that can be done and that my closed account will send me a check for the amount. The refund was issued but I never received a check for it. For months I have been trying to locate the funds but I can't seem to get an answer. Every time I contact Paypal they either say that they dont have the money, or hang up the phone whilst transferring me. This week they closed my Paypal account, which I am guessing is because they don't want me to have access to their customer service in hopes that I " forget '' about my disappeared money.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX PayPal Holdings , Inc. PayPal Reference : XXXX XXXX have been using PayPal without any problems for years. However, my son, XXXX XXXX asked me for help money-wise, {$2000.00}. XXXX did not have XXXX or PayPal so I asked XXXX to get XXXX or the other so I XXXX transfer money to him. On XX/XX/XXXX, XXXX informed me he had a PayPal app. I told XXXX I would send him {$25.00} to see if it would transfer properly, and it did. The PayPal transaction is # XXXX. Up to this point, I had no contact with XXXX XXXX 's name. On XX/XX/XXXX, I sent {$2000.00} to XXXX using PayPal and my debit card to XXXX, PayPal Transaction # XXXX. XXXX did not receive the money. When I checked with PayPal and filed a complaint, I noticed XXXX new contacts I did not know about, for a total of XXXX contacts for XXXX XXXX : XXXX ) XXXX XXXX backgroundXXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; XXXX ) XXXX XXXX background, XXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; and XXXX ) a blue circle with an icon in the middle of it ( do not know what it represents ), and XXXX XXXX below the circle. The PayPal XXXX informed me the {$2000.00} went to the email XXXX my son XXXX informed me that he has never had any XXXX email address. First and foremost how did XXXX unauthorized XXXX XXXX contact icons get added to my PayPal page if XXXX nor I requested or put them there? In my opinion, PayPal was hacked and this person who performed the hack put these XXXX false XXXX XXXX contacts on my PayPal account and does, has, or had an email address of XXXX and received my {$2000.00}. If those XXXX unauthorized contacts were not hacked into my account, then my {$2000.00} would have transferred to my son, XXXX as did the {$25.00} I sent him on XX/XX/XXXX. Secondly, PayPal informed me that the messages in their message box would be available to me for 3 years as of XX/XX/XXXX. I have not been able to access the message box nor print the messages I had with the PayPal XXXX on XX/XX/XXXX, XXXX. When the PayPal XXXX was asked by me how can I print our conversation, I was informed that they would send me an email with a copy of our conversation, which I have not received as of XX/XX/XXXX. I believe that my {$2000.00} should be returned to my debit card since the money was sent to my son XXXX XXXX who had received {$25.00} in a test run on XX/XX/XXXX, and I did not add, or have knowledge of the hacked contacts added to my account. XXXX XXXX XXXX XXXX ( XXXX ) XXXX cc : Consumer Financial Protection Bureau XXXX Bank Colorado BBB XXXX Colorado
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I used my XXXX credit card on PayPal and sent a payment of {$280.00} to the wrong person in error. When I realized that I did not identify the name of the person it was sent to, I immediately contacted Paypal to advise them of the error and requested them to reverse the charge before it went through as It was still showing as " pending ''. PayPal denied my request and stated that they felt the charge was " valid '' and advised me to attempt to contact the person directly and request them to reverse the charge and/or refund me the monies I sent in error. I attempted to contact the person on Sunday XX/XX/2023 with the contact number they had listed on the PayPal transaction information listed within the transaction information. After several attempts, they finally responded to me via text message and informed me that they would not reverse the charge and/or refund me, and told me they wanted me to file a dispute with PayPal. I told them I had attempted to file a dispute with PayPal and they had denied my request, and that I would be filing a dispute with my bank XXXX and their response was " that would be best ma'am ''. I contacted Paypal again on Monday XX/XX/2023 hoping to resolve the matter one more time before I filed a dispute with my bank XXXX, and spoke to someone in customer service who said they would attempt to contact the person directly via telephone. They placed me on hold and attempted to call them. After several minutes the agent got back on the phone and said the person did not answer the phone so they committed to send them an email and would continue to try to contact them via telephone. The agent also advised me to file a dispute with my bank XXXX and that they would " cooperate and help as much as possible. They also told me they would be back in touch with me regarding this matter. I have not heard back from PayPal to date. Since I had no other communication from PayPal, I took their advice and filed a dispute with XXXX on Tuesday, XX/XX/2023. XXXX followed up with me for additional information by sending me a request for " additional information '' via my " inbox '' on my XXXX account regarding my complaint. I immediately sent them an explanation of what had occurred, as well as evidence of the XXXX text messages I had received from the person whom I had sent funds to in error which stated that I should file a dispute with my bank. I uploaded the information via their online portal which is used to submit documents to the bank. On XX/XX/2023 I received a notice from XXXX via my online " inbox '' on my XXXX account advising me that they had determined the transaction to be valid and stated the following " A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction ( s ) was not received. Based on the existing information in our records, there is insufficient evidence to support your claim ''. This is false. I honored their request and sent them an explanation as they requested as well as what information I was able to obtain from the individual that I sent the funds to in error. Upon discussion with XXXX CEO office they informed me that they do not have the " authority '' to issue me a credit and it would fall under Pay Pals authority or ability to do so based on the type of transfer being a money transfer. They also stated the error resolution is solely Pay Pals responsibility to take action on. I have not been able to contact the person whom the funds were sent to and no monies have been refunded back to my Paypal account or XXXX credit card. The person has failed to respond to any additional request attempts and has blocked my number and will not respond to any further communication from me. PayPal has not been in contact with me and if fact would not take any action to assist me and I have had to contact them multiple times and keep getting the run around.
Company Response:
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XXXX XXXX XXXX I attempted to transfer a balance stored in Venmo to my checking account. I had a balance of {$1400.00} at the time, and since I am an international student and do not have an SSN, Venmo only allowed me to transfer {$990.00}, and I was not able to use the instant transfer feature which has a faster arrival time. So I had to initiate a standard transfer for {$990.00}. Venmo gave an estimated arrival time of XX/XX/. However, on XXXX XXXX the money still had not arrived. I tried to contact Venmo to find out why, but they simply told me that the money was " pending review '' and did not give me any reason as to when my money would be in my account. As I am an international student with no job or means of support, this money is very important to me. I will not be able to cover my living expenses. I feel that Venmo 's unexplained delay in transferring the money has caused me a great deal of distress and is unethical for a company to do so. Therefore, I would like to seek help. Thank you.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Hi, Im talking about the Venmo app. First off about two or three years ago they suspended my old account ( email XXXX ) with $ XXXX dollars in it with no explanation at all and said to check my email to Un-Suspend my account but I never received that email to this day! So my other account that I was forced to make I had to sign out of to check my old one, once I tried to log back in to my current account it wouldnt let me ( same glitched happened on my suspended account when I tried ) and I looked it up and it seems to be issue thats been happening for at least 2 MONTHS! And nobody seems to have solution not Venmo or people online. This is app is how I received my money recently since its one of the few debit cards I own I NEED my Account/money back!
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I am writing to file a formal complaint against PayPal regarding the unjust and unexplained limitation of my account, which has persisted for over three months. Despite my unwavering adherence to all PayPal policies and regulations, my account remains inaccessible. I kindly request that PayPal takes immediate action to either restore my account to its full functionality or grant me temporary access to submit all the necessary documents and proofs required to address the limitations. I want to reiterate that I have not violated any PayPal policies or engaged in any unauthorized activities. I have a strong desire to continue conducting legitimate business with PayPal. It is within my rights to have access to this service and I will not tolerate an extended denial of access without due cause. If PayPal remains unresponsive and does not take prompt action to address this issue, I will have no choice but to escalate this matter by filing a complaint against PayPal with the Internet Crime Complaint Center ( IC3 ) and seeking legal recourse in a court of law. It is imperative that this matter is resolved with the utmost urgency and fairness, as my ability to engage in legitimate business transactions has been unjustly restricted without warning. I eagerly await your immediate response to this pressing issue. Sincerely,
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Users have reported instances where their funds were locked without any clear explanation, leading to immense frustration and financial distress. In my case, I became entangled in a web of miscommunication and negligence, resulting in freezing my accounts due to Venmo mixing my personal and business accounts. Unaware of the app 's policy of only allowing one account per user, I encountered a password issue in one of my 3 accounts I have, and was unable to access the account that was primarily being used before I creat the other 2. Unfortunately, one of my clients sent money to that inaccessible account. I have explained that Im facing an extremely hard financial situation. Unable to afford even basic necessities after the passing of my mother. Being said I received a payment from one of my clients only to discover that my accounts had been frozen due to a debit of {$420.00} on my business account, a transaction that was not made by me but by my ex-boyfriend, whom I, unfortunately, trusted during a difficult time when I had to leave for XXXX to take care of my mother. I have sent numerous emails explaining the situation and have made it abundantly clear that I am aware of the potential consequences if the funds are not recovered from my ex-boyfriend since it was under my name, I was of course found responsible for the debit. However, I have informed Venmo that I am currently consulting with my lawyer to investigate the possibility of other unauthorized transactions made by him as for example on my XXXX XXXX XXXX account. M Despite these facts, the response time from Venmo has been sluggish, taking an average of 3-4 days to receive a repetitive and unhelpful response that does not address the issue at hand while Im desperately in need of my frozen funds to buy food. But still nothing about resolving my issue and try to work on it. I have made it clear that I am struggling financially and offered to pay in installments, as I simply can not afford to make a full payment all once. I am desperate for assistance and have made it clear that the money in my account from my client is crucial for purchasing basic necessities like food. All I am requesting is for Venmo to unfreeze my account immediately and understand that I own a limited liability company ( LLC ), which by law separates my personal and business finances, which seems to understand that any issues or liabilities, arising from my business are not my personal responsibility, they are not allowed to freeze my personal account because of a debit on my business profile. I never said I would not pay, but only ask some time until my lawyers investigation is over. I kindly request your intervention in this matter, as I believe Venmo 's actions warrant further resolution into my matter and really expect a positive resolution that respects my rights as a customer. And Im also open to discuss anything that I might have said in this complaint that is not valid or uncertain, which I believe is nothing to be questioned since Im under my rights as a consumer, but If Venmo fails to rectify this situation promptly, I will have no choice but to take legal action against them. As an owner limited liability corporation, I expect Venmo to respect the legal separation between my personal and business finances. Their negligence and lack of accountability are unacceptable, and I will not hesitate to involve the appropriate authorities to ensure justice is served. Best, XXXX XXXX
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo- opened the account in XXXX. Used it for the first time on XX/XX/XXXX. My sister sent me XXXX and they didn't let me transfer my money. Better yet they didn't even refund her money back. I committed no crime. Nor did I violate anything and they haven't even given me a reason to deactivate my account and hold my funds 180 days.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: My XXXX check was deposited XX/XX/2023. These funds was put on hold and no valid explanation as to why. I explained to numerous supervisors that this was a government XXXX check and to this date I still have not had access to my funds
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A