Date Received: 2021-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from XXXX XXXX XXXX XXXX stating I owed a debtor {$630.00} and named PayPal, Inc as the creditor. While I have a regular PayPal account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a PayPal credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My issue is with PAYPAL and VENMO. I recently opened a business account with PAYPAL because I started a new business. I got the necessary tax ID and made it a legit company because I want to to it the right way. I used PAYPAL to accept payments and to purchase business related items. A couple times I had customers state they had not PAYPAL account and they would like to use VENMO. I allowed that and would then create an invoice and transfer those funds to PAYPAL and settle the invoice. The email came from PAYPAL and then VENMO stating I was no longer able to use either service. VENMO just said they reviewed my activity and decided to discontinue my use of their service ... PERMANANTLY. PAYPAL send a second email stating that they found I violated a user terms. Here is part of their message " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of ammunition, firearms, or firearm parts or accessories. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. '' Where it says " Specifically, the sale of ammunition, firearms, or firearm parts or accessories '' is where the issue lies. I sell one thing. There are several styles of that one thing and none of them are ammunition, firearms, or firearm parts or accessories. I sell knives. Hand made " EDC '' ( every day carry ) pocket knives and kitchen knives. Clearly NOT ammunition, firearms, firearm parts or accessories. There is a section that speaks to knives but it is a bit unclear and what I get from their policy is that they can not be illegal knives. Here is the only line I can find regarding selling knives " or ( k ) certain weapons or knives regulated under applicable law. '' When I contacted PAYPAL via chat, their BOT says there are no agents available. This is during their operating hours even. So they are avoiding my need to understand the problem. I called on the phone and got a nice lady who verified I was banned from PAYPAL. I tried to explain that the reason they gave for banning me was not accurate and my displeasure with being banned without being given a chance to explain or defend myself. She was not able to help me. She said " Maybe it was a combat knife? '' I explained that I don't sell " Combat knives ''. I sell legal pocket knives and kitchen knives. She continued to say she couldn't help me. I asked to speak with a supervisor and she put me on hold for 5 minutes, came back and explained she was transferring me to a supervisor but that I should be aware of what to expect when I talk to said supervisor. She said " I'll transfer you to the supervisor but just know the outcome will not change. '' WOW, so even though PAYPAL IS WRONG in this case, it doesn't matter, you can never use PAYPAL again. I ended up on hold for 20 more minutes and was disconnected and never got the chance to speak to that supervisor. Using PAYPAL is risky. They have my money and will not give it to me for 180 days. I even had transferred money from my bank account a couple days before this happened and boy they let it go through ... but no, I can't have it back. Sounds shady and scummy as a business to handle issues like this. Even if they let me back ( Which they won't ) I will never use paypal again. Not to purchase anything or accept payment from anyone. Too risky. SAME WITH VENMO. They won't even tell me what they think I did wrong to violate their terms. I tried several times on email to get an explanation and they only said they determined my activities were in violation. What a scam. I've attached my website " About '' statement so you can see I don't sell weapons. I sell tools.
Company Response:
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: PayPal froze my account over 6. months ago and told me they were holding my funds for 180 days in case of charge backs well it's been well over 180 days and they still refuse to release my funds from XXXX XXXX
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I requested a refund for a purchase made with Paypal. Paypal stated that they refunded the amount to my credit card. That amount has never appeared. I have called Paypal and my bank. My bank has no record of the money and Paypal has stated that they returned the money. I have been hung up on by Paypal in an attempt to contact them. Paypal states that it refunded on XX/XX/2021 for an amount of XXXX. I have no amount credited to my account.
Company Response:
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal close my account for no reason and not helping.me to getting to back up.im.not surr if this is some mistake as assume it has to be im not be able to get help from them for a months.but its just remembered i can file a report on here as i feel.they not doing ther job properly and its effecting me a great deal as i used paypal quite.my email link to paypal.is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. XXXX. The order was cancelled by the vendor on XX/XX/XXXX. XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... I am filing this complaint. Documentation of all of the above is attached.
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXXXXXX XXXX
Company Response:
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal close my account and i want try get back. They talk about fraud or dispute activity and i already scan my account is not any dispute or chargeback activity. i sent all my personal information for have a verify account but that not help me with paypal. in this case if paypal do not want me restore my account, i request let me get access to my money. or tell me when i will be avalible for withdraw my funds. My email is XXXX XXXX
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I received my claims to my Paypal account and it got closed for no reason i have to wait 180 days for it to be restored. We barely can eat.. Please help me resolve my issue
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A