Date Received: 2023-10-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: PayPal closed my account for violation of it's terms but have no example and will not reinstate my account or give me any reason why they will not. I have not purchased it sold any goods that would have violated the ToS.
Company Response:
State: GA
Zip: 30813
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had been using PayPal.com for XXXX XXXX XXXX for several years. After some problems in XX/XX/XXXX, I stopped using PayPal.com and began using XXXX. I had forgotten to close my PayPal account. In the last week, I have been receiving several calls from PayPal/Potential Scam and they never left a message. Yesterday, XX/XX/XXXX, I received a text message that reads : PayPal : Action needed on your account. Please go to XXXX XXXX XXXX or call us at XXXX. Reply STOP to stop text messages. I looked at PayPal and discovered the payments I was owing were all payments that I paid with a new card, after I was scammed at my bank. I then called this number in the text and told them the fees PayPal was asking for were already paid. The person I was talking to kept asking for the last 4 digits of my Social Security card. I finally hung up the call. I have received confimation that these payments have all been made, but they are not showing up on my bank account. I told the bank about this and am going over later this afternoon to explain more to them. XXXX XXXX
Company Response:
State: CO
Zip: 80126
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: Other transaction problem
Subissue:
Consumer Complaint: My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX I have used the XXXX card through them for months with no problems. Somebody changed the routing numbers from XXXX to XXXXXXXX XXXX which also is connected with XXXX. XXXX sent a deposit to XXXX numbers on XXXX XXXX. They did proceeded to send a fraud alert email on XXXX XXXX. Never contacted me about the change to my account. I changed the numbers back to the correct ones. XXXX sent an email this time to make sure I had changed numbers. I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. Called XXXX customer service and was told it would be sent back as the account didn't have my name. Numerous calls and emails later, I started talking with XXXX. XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. XXXX now tells me the money has went to PayPal XXXX XXXX. So, I have now been emailing PayPal about the money going to a PayPal XXXX XXXX account. They saying they are doing an investigation. But they have the information at their fingertips and are not giving me any information. I want whoever did this caught and prosecuted to the fullest extend of the law. I have basically closed all my accounts with PayPal over this and just thankful my banking information wasn't on XXXX.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX, I was making a purchase for a laptop on XXXX and using PayPal as a payment method. My preferred method of payment selected through PayPal is always a credit card, NEVER my checking account. The amount for the laptop was far greater than the amount I had in my checking account, so it wouldnt have even made sense for me to attempt the purchase directly from my bank. Each time I make a PayPal purchase, I confirm that the payment selected through PayPal is a credit card, never an ACH transaction. Long story short, XXXX system kept automatically flagging my purchase as suspicious and canceling my order, so I kept attempting the purchase, each time confirming the correct PayPal payment method via a credit card. I could see where the payment amounts were being credited back to my credit card because of the automatic cancellation of my orders. However, the day following the attempted purchases, my bank account reflected a negative balance, which was shocking because I am always careful of my transactions and always know exactly how much I have in my account. I am never in a negative balance. Upon investigating, I saw almost a {$2500.00} payment ( the same amount as the laptop ) as INSTANT TRANSFER PAYPAL in my recent transactions on my checking account. It looked as if I had directly sent money to someone, which really concerned me. I called PayPal for assistance in figuring out what was going on, and they were no help whatsoever. The agent kept giving me details about refunds to my credit card on file, and I had to repeat myself 5-6 times that the issue was with my checking account and real funds being withdrawn from my bank. I was told Id be given a call back. I called my bank and put a debit freeze on my account, thinking some third-party scammer had hacked into PayPal or something. Later on, PayPal called me back and confirmed that they had initiated the transaction because they fronted the funds when one of my credit transactions didnt go through so they attempted to pull the funds from my checking account to cover the fronted funds they provided, but then they reassured me that the same amount would be returned and credited back to me in a couple days. Once the funds were credited back to my account a couple days later, I contacted my bank and lifted the debit freeze, thinking that all was back to normal. However, this morning I received an automated email from PayPal with the following message : You recently attempted to transfer funds from your bank account. Your bank has declined the funds transfer because your account did not have sufficient funds available. We will automatically re-attempt this transfer in 3 business days. Please fund your bank account immediately to ensure this transaction can be completed. So I called PayPal again to confirm that they were indeed going to attempt to pull the funds again because there was no need to do that since my purchases kept getting canceled and never even went through. The agent told me there is nothing they can do about it and the funds will be debited from my account again. I said that I would like to speak to a supervisor or someone who can cancel the transaction and prevent this from happening all over again, and then I proceeded to wait ten minutes on hold only to be told that they couldnt reach a supervisor so Id have to wait for a call back. This left me feeling very uneasy, and I felt I could not trust PayPal at all, so I called my bank and asked them to close my checking account and issue a new one to prevent further unauthorized debits from PayPal. I feel that this company is operating fraudulently and can not be trusted. Again, I never visually or expressly authorized PayPal to withdraw funds from my checking account, and every attempted purchase through PayPal had a credit card selected, not my checking account. If the payment through the credit card failed to go through, PayPal should not be fronting money and then automatically pulling real funds from their customers checking accounts to cover that. There is a reason customers are choosing to pay with credit cards versus paying with their checking accounts, and usually this is because the item being purchased isnt something they have real funds with which to pay for it just yet. This kind of incident should never have happened, and PayPal should be ashamed of their business practices as well as their atrocious customer service. I am concerned for other customers that may have their funds withdrawn from their accounts via unauthorized debits conducted by PayPal.
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I reported unauthorized transactions and they provided refunds on all but one transaction. They claim the withdrawal was made face to face with a merchant that I dont know who or where they are. I have repeatedly told them that. As soon as I couldn't find my card, I cancelled, changed my password and pin and enabled fingerprint on my account. They deceived me by telling me multiple times I would receive refund and that appeals were filed and they have done neither.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I call PayPal to confirm account but they said they dont have account. XXXX XXXX XXXX XXXX said someone use my social security open account.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I requested {$7.00} to borrow from my brother on Venmo. My brother sent it to me. I had an outstanding Venmo Credit Card fee due. Venmo automatically charged {$7.00} when they saw cash. Transaction ending in XXXX. I just won a $ XXXX {$9.00} XXXX default judgment against the XXXX XXXX XXXX XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: Account was made using my identity and financial information. Account was closed because of this. But refuse to reimburse
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/23 I noticed a large sum of money being withdrawn from my bank account to my PayPal account ( I never find this, I just make small purchases from sellers that debits my bank ). I decided to look back and going as far back as XX/XX/23 there were multiple smaller withdraws with a grand total of {$6600.00}. I contacted PayPal the same day I was made aware for dispute as well as my bank. I canceled my debit card and my bank did determine there was fraud but PayPal argued against that claim and the money reversed by my bank to me, PayPal is holding me liable and my account is in the negative ( - {$3300.00} ). The primary email was changed on my account so I was not receiving notifications of account activity, and XXXX new funding sources were added without my knowledge or approval and do not belong to me. I requested from PayPals claim dispute dept on XX/XX/23 and again XX/XX/23 for the results of their investigation where they found that I had authorized any transactions and have yet to receive a response. Customer service says that there was not an email added however I have screenshot proof of another agent acknowledging there was, and that it did not belong to me. PayPal is refusing to acknowledge any dispute because it is outside of a 90 day window and they determined there was nothing looking suspicious in my activity. I told them That I reported the activity the same day I found out ( see Regulation E, Electronic Funds Transfer Act Sec. 1005.6 ) but was told everything was authorized because it is my account. I was also notified that I was affected in PayPals recent data breach where this was likely the root of the problem and ultimately responsible. I sent a demand letter as well on XX/XX/23 to settle this but they refused to acknowledge this.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have not been able to access billing for my Pay Pal account with XXXX XXXX. I received a paper bill on my account yesterday. I attempted to sign in on internet and it says we are not able to confirm it is you. I almost fell over when I saw the balance was up to {$240.00}. So I called the number on the billing. I asked for the amounts charged and found three transactions totaling approximately {$50.00} at best. I asked for the fees to be removed and they went thru the approval system too get one for {$41.00} removed at that time I then asked for the customer service representative or a phone number to contact them. I was told they didnt have access to that. She stated I would have to call the bank So again I asked for contact information and she was not able to provide it. I told her that I believed these fees had been limited by a recent law. She then said I am not able to access that information. She then asked me for payment in full and I offered a {$50.00} payment. She accepted and it was processed. She then said if I paid the balance by XX/XX/XXXX there would not be any fees added. I told her I would be contacting consumer credit and will find out if this is a legal practice. To charge four times the balance in late fees. Then would make the payments if found to be wrong. {$41.00} dollars monthly on a {$50.00} charge for five months is absolute consumer XXXX. Please advise.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A