Date Received: 2021-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was notified by PayPal, via email that my account would be permanently limited and that If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. On, XX/XX/XXXX I received and email that they had reversed a credit of {$1100.00}, essentially stealing my money. Upon contacting them they give no answers to why, just that I have violated terms. No specific terms are pointed out and when led to read the terms again I can not find any terms that I have violated.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: 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 XXXX Visa Debit card to my account, which was used to transfer funds out of my account ; ( 3 ) the following purchase of bitcoin with this XXXX Visa Debit card, with the funds that had been fraudulently transferred out of my account ; ( 4 ) and finally the removal of the XXXX Visa 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 initially sent to my smartphone and used by me to allow the fraud to take place, but that is NOT THE CASE! I sent PayPal a picture of my cellphone text messages 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 XXXX where the XXXX Visa 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, these fraudulent activities could not have taken place. Supporting documentation is attached.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: So Im trying to use PayPal for XXXX so I can sell and I recently just opened it up. and one day out of nowhere they permanently banned me. So I got in touch with them over the phone today and the person I talked to said there team went over it and had suspicious activities and I can get the funds out within 180 days and kept giving me the same vague answer. Now I did have a account that I made when I was 14 under age and when I turned 18 I got back with them and talked about verifying the account and he got back with me and said I cant use that one why I dont know but he said I can make another one on a different email so thats what I did. And it all looked good until last week I got a alert that said the account was limited for suspicious activitysand no real answer. Now I did put the bank that I use and have access to and use constantly its under my fathers name because I turned 18 last XXXX and I have had access to the account sense XXXX of last. year and I can provide proof that I do have access to the account. My email is XXXX and the account is under XXXX my number is ( XXXX ) XXXX BTW I have another video that shows the agent saying I can make another
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/2020 I received an email from PayPal stating that my account was currently limited and that i had to take some steps to resolve the issue. I completed such steps and everything was fine. On XX/XX/2020 I received an email from pay-pal stating that my account is permanently banned and that after 180 days any money on my account will be released. There is over XXXX on my account that was supposed to be used during this pandemic. No Pay-Pal representative has told me any reasons to why they limitation was placed on my account in the first place. My account had been limited since XXXX. its been over 180 days and my money has not been released. pay-pal representatives state that an email will be sent to me and I haven't received one yet. They say that anything else after that is out of their control but I believe that is false. I was told a deadline on when my funds will be released and it is past due. My email linked to my Pay-Pal account is XXXX. This situation has dealt a great tragedy. I just want to remove my funds and discontinue the use of pay-pal services. Any help from you guys will be greatly appreciated.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was Charged {$160.00} on XX/XX/XXXX by XXXX XXXX and still have not received my products I ordered. I disputed the charges with PayPal and PayPal closed my case without resolving.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
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: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
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: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal hold my account for about months ( XXXX ) 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 month 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: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
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: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal hold my funds. Apparently they decided to permanently limit my account and i wasnt able to use their platform anymore and will held my balance for up to 180 days.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A