Date Received: 2021-04-28
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 provide service from the United States, my store 's shipping times are exceptional at 3-5 days, and I had 0 outstanding disputes or complaints. 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 affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2021through As an investment, I purchased XXXX and XXXX crypto currencies from PayPal to be held in my account. On XX/XX/XXXX, several fraudulent activities occurred in my PayPal account. These activities involved : ( 1 ) the unauthorized fraudulent sale of XXXX and XXXX from my PayPal account ; ( 2 ) the introduction of a XXXX XXXX Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) three bogus changes of my address involving three different states ; ( 4 ) the remotely purchased XXXX using this XXXX XXXX Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXX XXXX Debit card only 30 minutes after it had been added to my account! On XX/XX/XXXX, after the fraudulent sale of the cryptos and the three transfers out of my account, the only remaining CASH in my account was {$280.00}. This did not include remaining XXXX in my account. After an earlier appeal to the Consumer Protection website, of PayPals denial of these unauthorized transactions, PayPal on XX/XX/XXXX, finally acknowledged the unauthorized fraudulent transactions, and they reimbursed the monetary transfers out of my account of {$800.00}, {$2000.00}, and {$1900.00}, MINUS THE FEES OF {$100.00}!. This amounted to a {$4700.00} credit. On XX/XX/XXXX there was another entry for a XXXX sale refund??? of {$2000.00}. which was reversed the following day on XX/XX/XXXX. These two self-canceling transactions make no sense, because there was never a XXXX refund transaction to start with. After crediting my account on the XXXX, two days later on XX/XX/XXXX, PayPal did a reversal and subtracted {$3100.00} from my account, plus an additional {$2000.00}, for a total {$5100.00}. This means that PayPal removed {$380.00} MORE than they replaced, which also took out the cash balance in my account! On XX/XX/XXXX, I received an email from PayPal at XXXX XXXX ( the middle of the night ) regarding my latest dispute, stating that they had tried to call me for more information on the XXXX prior to this XXXX XXXX email, stating that they were unable to locate the transaction. I received no phone calls from them in those early morning hours. Their email also encouraged me to work with the seller to find a resolution! They WERE the " seller ''! This was a form letter like all the rest of the correspondence I have received from PayPal, which ignored that the fraud had taken place. See the attached PayPal correspondence. To review : on XX/XX/XXXX XXXX XXXX ( XXXX ) was fraudulently sold in my account and the proceeds of {$1900.00}, after fees, was transferred out of my account on a XXXXXXXX XXXX Debit card that had just been fraudulently added to my account. Next, XXXX XXXX ( XXXX ) was fraudulently sold in my account, with the proceeds of {$3000.00}, after fees. Of this amount, two transfers of {$800.00} and {$2000.00} were transferred out of my account using this same fraudulently added Visa Debit card, amounting to three cash withdrawals totaling {$4700.00} after fees. Cash remaining in the account after these fraudulent transfers was {$280.00}. After PayPal 's removal of credited funds, they also removed this remaining balance. PayPals accounting is a mess and they only respond with non-relevant form letters, not having reviewed any of the material that I have provided. I simply want the XXXX XXXX ( XXXX ) and the XXXX XXXX ( XXXX ) replaced that was fraudulently sold from my account! This was intended to be an investment. The following is the previous complaint XXXX # XXXX XXXX that I filed with the Consumer Protection Bureau on XX/XX/XXXX. All relevant support material accompanied that complaint : XX/XX/XXXX This complaint is about PayPal. On XX/XX/XXXX, several fraudulent activities occurred in my PayPal account. These activities involved : ( 1 ) the fraudulent sale of my XXXX and XXXX in my PayPal account ; ( 2 ) the introduction of a XXXXXXXX XXXX Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) the following purchase of XXXX with this XXXXXXXX XXXX Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXXXXXX XXXX Debit card only 30 minutes after it had been added to my account! I have used PayPal for some time for merchant purchases, to limit exposure to my credit card information.. Recently PayPal began marketing XXXX and XXXX so I made purchases on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Prior to these purchases, I held NO asset balance with PayPal. Only 14 days later from my last purchase, the above fraudulent activities occurred on XX/XX/XXXX. I have attached support material regarding my multiple claims. In addition to the previous fraudulent activities, the perpetrators of the fraud made three fake address changes, involving three different states. It appears that the fraudsters KNEW that cryptocurrencies were in my account, as demonstrated by their final purchase of the XXXX and the timing of the fraud. They also knew that the Two Stage Authentication, which PayPal claimed was in force on my account since XX/XX/XXXX was, in fact, NOT ACTIVATED, and as a result was vulnerable. If the Two Stage Authentication was active, my account could not even be logged into without receiving an activation code via my cell phone. The evening of the fraud, when I called PayPal using my cell phone to report the fraud and reset my login password, was the FIRST TIME that an authentication texted code was required to access my account. PayPal claims that a texted code was sent to my smartphone allowing the fraud, but that is NOT THE CASE! I sent PayPal a picture of my cellphone texts from the XX/XX/XXXX time frame, and it shows that NO CODE WAS SENT ( see attached )! A texted code was NEVER REQUIRED to access my account, prior to the night of the fraud when I reported it and requested a password reset. I then requested the account be locked down. My many appeals to PayPal have resulted in the same form letter response. On the night of the fraud I responded to PayPal 's emails, that the address changes were bogus, but on XX/XX/XXXX when I called XXXX to renew an appeal, the bogus addresses were STILL SHOWN ON MY ACCOUNT. I called XX/XX/XXXX where the XXXX XXXX Debit card was issued, and was told that no record of my name or social security number was registered at their bank, and the actual owner of the XXXX card would not be divulged, and to report the incident to the government fraud site. PayPal made no attempt to track this card 's owner, but just blamed me. PayPal did not send me authentication codes prior to the fraud. They merely sent notifications of changes to my account via email, requesting me to notify PayPal immediately if I did not initiate the changes myself. I did not see the emails regarding the fraudulent changes until the evening of XX/XX/XXXX, AFTER THE FRAUD HAD TAKEN PLACE. I did not authorize the fraudulent changes using the two stage authentication code as PayPal claims, because it had not been activated on my account. PayPal was negligent in safeguarding my account and accepts no responsibility in their lack of oversight. If two stage authentication was active, this fraud could not have taken place. Supporting documentations is attached. Replace the XXXX and XXXX crypto currencies that were sold, with which the proceeds were transferred out of the account. I should not be charged for the fees involved in these transactions. Your " investigations ' are a sham and only determine which standardized form letter to send the victim which l determines that they are responsible for a breach. Pursue the ownership of the Visa Debit card that was added to my account and identify and prosecute the perpetrators who surely make fraud their profession. Actually investigate this and other similar frauds and prosecute the perpetrators who probably have preyed on your other account holders by sharing and working with federal agencies to make this fraud less lucrative. If automated procedures can not be exempt from fraudulent activity, then they should not be automated!
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: My client I work for asked me to answer a call from XXXX to verify her Venmo! I trusted her and answered the call, the man had me on the phone over an hour and had me do a fake transfer to my clients venmo, meanwhile asked me to download an app that I assume give him complete access to all my apps on my cell phone! He withdrew {$1200.00} and left me with {$74.00} to my name! I knew something wasnt right the whole time but I trusted my client and assumed this was a legit call! My I opened a fraud case with my bank and they assured me theyd get my money back to me! Well they denied my claim! Id never give a stranger that kind of money or any kind of money! Im a single mom and now I cant even afford my bills! Not to mention the XXXX thats set in due to being so harshly scammed!
Company Response:
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
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
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Started a new business just 5 days ago. I decided to use Paypal as a Payment Merchant. I had few order shipping 's to XXXX almost {$350.00}. 2 days ago, PayPal limitized my account and asked for the documents verification. I have sent them the Resident Identity Card with my Company Incorporation Letter and Purchase invoice. Yesterday received 2 emails from Paypal, the first one states that they have locked my account and hold my money for 180 days due to the potential risk involved in the items I am selling. And the second email I have received stated that partially limitations have been removed however I shall be unable to use the PayPal account and the balance will be on Hold for next 180 days. This is my 5 days Business Journey with this XXXX XXXX. The most interesting fact is that I am selling the computer accessories, digital goods like softwares and also helping customers for the marketing campaigns, so what was the potential risk involved? Tried reaching the customer services team through international calls and the XXXX chat option and have wasted almost 6 hours but no response. I don't want to have business with this XXXX XXXX but they have no right for holding my funds for 180 days without a proper reason. My registered email with Paypal is ( XXXX ).
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I have an account with Venmo. They advertise that you can " get your paycheck up to two days early '' by using direct deposit to your Venmo account. I fell for this an allocated {$1300.00} of my pay to go directly to my venmo debit account. On XX/XX/21, I attempted to transfer these funds to my bank account using their instant transfer feature. The transfer was declined repeatedly and they suggested that I use their " regular transfer '' which takes " 1-3 business days ''. In effect, instead of getting my funds 2 days early, I would get my funds 3 days late. I then went to an ATM to withdraw money from my Venmo debit card. The daily limit is {$400.00}. It was declined by the card issuer ( per the message on the XXXX XXXX ATM screen ). Venmo still debited my account for these funds. I called the ATM operator and on the same day they sent the funds back to my Venmo account via the XXXX XXXX. Venmo has yet to credit my account with these funds. I have a ticket opened with XXXX XXXX ( though they have done their part ), and with Venmo ( I haven't heard from any human there ). I have used instant chat, email, and phone..with no success. I feel that Venmo is misleading in their advertising, and intentionally has no frontline support that can do anything but spout their " canned responses ''
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Venmo is insisting I owe for an unauthorized charge. Venmo complaint ID XXXX for transaction XXXX XX/XX/21. They stated that my claim was denied XX/XX/21, but they did not explain why I would he responsible for an unauthorized charge.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/XXXX my brother in XXXX XXXX XXXX XXXX sent me XXXX US dollars from his PayPal account XXXX to my PayPal account XXXX. I have been a member of PayPal since XXXX. PayPal refused to release my money and said they would freeze my account for 180 days. I tried to call them but there is no reachable phone number. I can only talk to them via Chat. I only get canned responses from the Chat. They said they would freeze my account for 180 days and that I could not nothing about it. My name is XXXX XXXX XXXX. I have attached my US passport of proof my identity.
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
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 assumed it has to be. I have not been able to get 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 use PayPal quiet frequently
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear sir, I am from XXXX and was selling XXXX branded herbal products on XXXX and receiving payments for every order from paypal same like many other competitors of my are doing still without any issue. but suddenly after having smooth business i received an email from paypal that my account is restricted and i can no longer use it and my amount of XXXX $ blocked for 180days. After having conversation with company they said you can not sell herbals but actually i was selling it on XXXX and XXXX allows to sell herbals and paypal is just playing role payment XXXX for XXXX sellers in XXXX. i asked them if it was against the policy then it should not be allowed from day 1 when i started it and after running it sucessfully and having good business more than 1.5years they blocked my paypal account and hold money for 180 days but now before 10days of completion of 180 days lockin period i received a message from paypal saying you will not get any money back due to damage caused to paypal XXXX They had scammed me of XXXX $ of my after enjoying commission fee from my business for more than 1 year. my contact id and paypal id is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A