Date Received: 2021-04-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal closed my account for no reason one day and wont help me to get it back, I am losing hope from them, because that payment is really important for me and my family, especially during the covid-19, as we can not work and still need to pay bills. Paypal told me I can withdraw the balance after 180days. But I noticed a total amount of $ 8,357.49USD ( through two separate transfer to paypal XXXX 7969.63usd on XX/XX/2020, and the other amount of XXXXthe same day ) has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them but they can not provide any useful information to me about this. So I file a report to CFPB and wish to get this issue resolved, the email I used for my paypal is XXXX.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal closed my account for no reason and wish not help me to get it back, I thought that was a mistake, but I can not do anything about it. Anyway, I can not get help from them, and I was informed that I can withdraw the balance after 180days. However, I noticed the total amount of $ 8,623.39USD has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them, but they told me they can not tell me too many details about that. I feel like I can get help from CFPB, so I file a report here. I think you can handle this for me properly. I used paypal frequently, the only thing I want to do now is to get the money back from paypal to my account, and withdraw the balance. The email used for my paypal is XXXX.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal says told me they can not do business with me anymore and the balance on my account will be on hold for 180 days, then I can withdraw the paypal balance. However, I saw the money on my account disappeared, in the recent activity, there is a transaction done by paypal without my authorization, on XXXX XXXX, 2021, XXXXUSD was transferred to paypal XXXX saying about some damages caused, while they can not explain that to me when I called. paypal took the money from me and I do not have any idea about this transaction. Why they took the money from me? I was trying to reach them for help, but they can not support me. Thats why I decided to file a report here and I wish I can get the money back. The email linke to my paypal is XXXX.
Company Response:
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, one day, when I was checking my paypal account, I saw NONE balance. Thus, I checked the paypal balance and I was shocked to see a transaction that posted by paypal, the note saysXXXX XXXX XXXXXXXX, paypal posting on XX/XX/2021 to paypal XXXX it is paid with paypal cash plus balance. well, paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not support me. The line is busy, and they can not tell me what exactly happened, cause the information the paypal agent who I spoke to can only access limited information about that payment transaction. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.
Company Response:
State: AR
Zip: 71854
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have been using PayPal services for about a year. Never had problems or charge backs associated with my account. Recently I had some payments go into my account for things I sold. There were standard external holds placed on the payments which is normal. My account was at the time restricted for the 3rd or 4th time demanding I turn in bank statements and business information ect ... The holds on payments are usually released after 21 days and proof of delivery. Three days before a payment was to be released, before it had been delivered, PayPal releases 5 payments into my account which set off an alert in there system according to them and the took the balance of $ XXXX and put it in a reserve in case of disputes or returns. This all happened within minutes. They then started telling me lies about who placed the hold on my account blaming another company and refused to tell me why they did so. After a few weeks of false statements and avoiding my concerns, a customer service agent admitted that the holds were in fact PayPal holds but refused to give me an honest answer why they released the holds early. It is also unheard of for them to release a rather large payment before the item was delivered. They told me many times they didn't have control over the external holds. About 5 days ago another customer service agent then told me that they did release the payments and then held the payments to set up the reserve. The money was never available contradicting the emails I received stating that it was available. The large payment for the item that was not delivered yet was also an item that a refund had been requested for 3 times and was ignored by PayPal. I believe state and federal law say if a return is requested it must be given within 10 days of the request. This is a brief explanation of the events and there is much more about the unfair, unethical and I believe to be illegal actions of PayPal. This was a malicious group of events to take/hold my money. This is there true business model. They take or hold users money to either invest it or lend it to other users. They do little vetting when users sign up to verify there business or identity so users can engage in transactions and acquire balances just so they have a reason to hold the money in the future multiple times. And if you don't provide satisfactory proof of the requests, they may keep the money for 6 months or indefinitely. They are not transparent at all about when and why they may take your money. Like I mentioned above, I never had problems with my account. No charge backs or disputes, I had received payments before of equal amounts with no problems so they had no reason to assume there was risk for my account as they claimed there was. I am sure there have been hundreds if not thousands of users this has happened to in the past. When I contacted the corporate officers I got not one single response. Customer service purposely makes it hard to contact them. When you do through the message system they hand you off to a different agent after every message you send so you have to go through the whole explanation again and again about your concerns. You get absolutely no help. I was willing to try some form of resolution process with escalations department but they only make the same false statements. After telling them they are violating the law by not issuing the refund, they have stopped replying to my messages and emails completely. How a company has gotten away with this for so long is beyond me. There is complaint after complaint after complaint all over the internet and it only gets worse with time. Consumers are not being protected from unethical activities and the horrible code of business conduct they have set up at PayPal. It is a toxic environment for all. They probably pay next to nothing in taxes for the amount of revenue they generate. They provide little benefit to our society besides what little services they offer. I can only hope that someday the world business model will change because its killing us all.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I WAS TOLD BY A LIVE REPRESENTATIVE ON THE PHONE ABOUT 3 MONTHS AGO THAT IN MY NOTES ON MY ACCOUNT THAT IT SAID MY BALANCE WAS TO BE REVIEWED AFTER THE 180 DAY HOLD PERIOD WAS UP AND MY ACCOUNT SHOULD BE PLACED ON THE ADDITIONAL 180 DAY HOLD DUE TO MY ATTITUDE WITH THE FIRST REPRESENTATIVE THAT I SPOKE WITH WHEN MY ACCOUNT FIRST BECOME LIMITED. WHEN SPEAKING WITH SUPERVISOR RIGHT AFTER I SPOKE WITH HER ... HE ASSURED ME THAT SHE HAD MADE A MISTAKE AND THAT HE DIDN'T SEE ANYTHING LIKE THAT ON MY ACCOUNT NOTES ... BUT WEIRDLY ENOUGH ... .I HAVE NOW BEEN TOLD MY ACCOUNT WILL REMAIN ON HOLD FOR UP TO AN ADDITIONAL 180 DAYS. On the PayPal app there is an advertisement that states " Use direct deposit for government & payroll payments '' and since I had started receiving PUA unemployment payments, I decided it would be easier to just have it deposited into my paypal account, so I signed up for the required account to do so. No where does it say in those " user terms and agreements '' that you're not allowed to get retropay or backpay, and since you have to sign up for a paypal plus account they should be FULLY aware that these things tend to happen when you are getting payments through unemployment. On XXXX XXXX, XXXX and XXXX XXXX - {$300.00} was deposited and another deposit on XXXX XXXX of {$180.00} was deposited from Ohio Department of Job and Family Services from Unemployment. It clearly states who the sender is and obviously it's not fraudulent transactions seeing how it also states its a deposit from a federal bank. Also I want to add there was only 4 other transactions from that month and the most recent one before those payments was a week before this. On XXXX XXXX XXXX, I received messages from PayPal stating that my account was limited and that I needed to prove my identity in order to continue using PayPal, which I did. Then I got an message stating that PayPal was no longer letting me use their services because of suspicious activity. I do know that in PayPal terms and agreements that I agreed to allow them to hold my money for ANY given reason at ANY given time for 180 days. And as long as there is no disputes from anybody at all, they would release my balance to me but they were no longer offering services to me. On XX/XX/XXXX was 180 days. No disputes were filed against me and nobody wanted a refund from me because I don't do any buying or selling through PayPal which I tried to explain but got no where saying anything to any of the representatives or the supervisors. One of my more recent conversations with an agent, maybe 3 months ago, she told tell me that on XX/XX/XXXX that my account was marked for another limitation to be set for my account on that exact day, that I was suppose to have my funds released to me. When speaking with the supervisor he assured me that she had made a mistake but low and behold. I contacted PayPal and requested my money and PayPal still hasn't released my money from my account balance. There is nothing suspicious on my account and PayPal can't even tell me why they shut down my account ... They keep saying its internal and they can't disclose that information. I can't talk to anybody higher up through the phone support because supervisors is as high as it goes. I was told it was " suspicious activity '' on my account that made them permanently limit my account but I don't see what is suspicious about getting retropay or back pay from unemployment. I just want my money issued to me so I don't lose my place to live or anything like that due to them STILL holding my money. I feel like with it being offered on the app to get those direct deposited and then limit my account and hold my funds until wheneven they want to because of them deposits ... that would not be something they should advertise on the app or website. Because obviously they know these type of things happened. I also can't have them reissue the payment back to ODJFS because they said my account is restricted and they are refusing to do that. IF PAYPAL is holding my money due to " security reasons '' that they can not disclose to me like a government facility or court order, then that would be unemployment that would be wanting the money back so they would be able to issue a refund to ODJFS because its federal money and I wouldn't be going through all this in the first place. You can't advertise things like that if you are going to turn around and hold my funds due to too many deposits or suspicious activities. Also I should have my funds available for me to withdraw at this point because in the user terms and agreements it also states that it would only be held for 180 days UNLESS certain things apply such as someone opening a dispute for a refund or other things. I was also told by 3 different supervisors that after 180 days, my funds would be available and that I would receive an email about how to go about getting my money ... .So why is my money not available and why are you guys now telling me you have to hold on to it for longer and you don't know how long it will be. There is a whole website called screwpaypal.com due to the ABSURD things your company does and causes. I will submit this daily and I will be contacting PayPal daily until this is solved. I also signed up for my PayPal account in XXXX of XXXX and I believe the user terms and agreements is update and modified and changed atleast once a month... So I would also like to see a copy of the user terms and agreements from XXXX XXXX. Isn't paypal CONSTANTLY updating the terms and conditions due to all the lawsuits that are happening to PAYPAL
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
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: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
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:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: paypal put a permanently limitation on my paypal account without a reason, and they won't help me to reinstate my account. Anyway, they told me that I can withdraw the balance after 180days limitation passed. I found that the balance on my account was gone. Based on the record in my recent activities, it says there is a amount of {$1600.00} has been transferred to paypal due to so called damages caused. Well, I contacted paypal for help, but no one can tell me the exact reason behind all this. I didn't receive any notification about this transfer, and this transaction didn't get my approval and authorization. I feel this is illegal and that's why I report this to you, and wish you can help me out. The email linked to my PayPal is XXXX.
Company Response:
State: IA
Zip: 527XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/2021, the amount of XXXX usd has been taken by paypal from my account. I has been informed by paypal that I can withdraw the balance after my account has been limited for 180days. I have been waiting all the time. I logged in my account and want to check status of the account, however, I found my money was gone!!!!! I earned the money by myself, that is mine! why paypal can ignore the LAW and took money from others without a reason, without a notification. It seems I was not the only one who suffered this, because I found some posts from others about similar issue. I wish I can get help from you, and get the money back to me. thanks! the email linked to my paypal is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A