Date Received: 2023-10-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/ at around XXXX XXXX, I received an email from PayPal stating that XXXX XXXX sent me {$27.00} ( XXXX XXXX XXXX. That same day, around XXXX XXXX I received another email from PayPal stating that XXXX XXXX had started a conversation ( see XXXX ). I joined that conversation, where she stated that she sent that money by mistake and I told her that I could refund it minus the fee that PayPal does not refund ( and to which I never agreed on, that fee for this transaction was {$0.00} ), which came to a total of {$26.00} ( {$27.00} - {$0.00}, see XXXX ). In that same conversation she noted that this was okay. At around XXXX XXXX, i received an email from PayPal that a dispute that been opened for the {$0.00} ( see XXXX ). This sounded like a contradictory statement made by XXXX XXXX on the conversation she had opened. Furthermore, when viewing the complaint itself ( see XXXX ), she mentioned that the issue was " Item not received ''. I never sold XXXX XXXX any goods and prior to this encounter, I had never met her. She sent money to the wrong account, asked me to return it, and I returned it, minus the fee charged by PayPal ( deceptive practices ). There is no reason why I need to pay out of my own pocket for the mistakes of others. The appropriate thing to do, like all other financial systems, is to refund both, the money and fees, thus PayPal deceptive practices which attempt to rob people from their hard earned money. I attempted to contact PayPal via phone ( twice ) and left messages on their chat line, but all attempts were unanswered. On XXXX XXXX XXXX I submitted information about the dispute, mentioning the same information found on XXXX and received an email that they had received my information ( see XXXX ). On XXXX XXXX XXXX I received an email that from PayPal with the title " We've decided in the buyer 's favor '' and deducted the {$0.00}, leaving my account XXXX XXXX. This is an unfair practice, especially since I never asked for any money, the sender agreed to the partial refund ( due to the unfair PayPal fee charge ), and I have to pay out of pocket for this? I would like a refund as well as an investigation into these unfair PayPal practices.
Company Response:
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I discovered fraudulent charges on my PayPal account totaling {$1100.00} from XXXX. I filed a claim with PayPal regarding these fraudulent charges at approximately XXXX on XX/XX/XXXX That claim # is Case # XXXX At approximately XXXX on XX/XX/XXXX I get a response from PayPal stating " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history ''. I haven't ordered from XXXX in years so there is no history of XXXX orders in 3 years. Secondly, I've never ordered thousands of dollars in products from XXXX so their conclusion is inconsistent with my purchase history. PayPal violated and dishonored their own fraud protection policies. It's also clear there needs to be a wide scale investigation into PayPal 's dealings and partnerships, especially with XXXX and other companies. As I was conducting research, I was shocked at the number of people who'd experienced this same and were forced to pay fraudulent charges on their PayPal account. PayPal is also violating the Electronic Fund Transfer Act Regulation E, which protects consumers from fraudulent charges. Furthermore, in their own written PayPal has minimized the issue as being " unfamiliar transactions '' and " a disputed payment ''. This is not the first time I've filed a claim for fraudulent charges on my PayPal account. On XX/XX/XXXX I filed claim XXXX XXXX which they dismissed and denied as fraudulent charges. I was told to contact the company and take up the issue with the company. The company would not comply. I reached out to XXXX to file a fraud claim. Though PayPal denied they were fraudulent charges and is forcing me to continue paying these fraudulent charges, XXXX has frozen my account claiming a chargeback has been processed. This is obviously untrue as PayPal did not refund me for those fraudulent charges. So I'm unable to file a fraud claim with XXXX. Furthermore, XXXX referred me back to PayPal to take up the issue with PayPal. PayPal claimed to have done a thorough investigation into the matter and state since the address is the same, there is no indication of fraud. However, if a thorough investigation was completed by PayPal, there should have been informed uncovered regarding package interceptions, as outlined in this article linked below. https : XXXX PayPal 's written statement is proof they are unaware of this issue and serves as proof there was no thorough investigation. PayPal has made it clear that I am responsible for paying fraudulent charges due to PayPal 's pay in 4 plan and that my card will be charged. This requirement of paying fraudulent charges is a consumer rights violation. Furthermore, PayPal has prevented me from removing my debit cards from PayPal 's site, in order to protect myself from further fraudulent charges. Again, violating their own consumer fraud protection policies and violating consumer rights. At this point PayPal has caused unnecessary stress and exacerbated my medically established diagnosis of XXXX XXXX This has caused me to begin treatments to address this.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: my account was closed with false information and they denied my appeal and i want them to be forthcoming on what exactly happened they also asked for bank statements and i know they cant do that cause they do not have any form of XXXX on there. I am not XXXX XXXX
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I have recently sold a used phone on a platform on XXXX XXXX XXXX XXXX on XX/XX/2023. The total amount was {$1000.00} due to me via PayPal. PayPal flagged my entire account on XX/XX/2023, saying that it required " more information about my business ''. They have asked me to upload a copy of my id, where I get my " stock '' from with receipts, where I store my " stock '', and how my business works. I have promptly sent in all the documents by XX/XX/2023. I have also included the shipping information for the item, as requested. On XX/XX/2023, just within XXXX hours, they have decided that my account was in violation of their terms and services, without any explanation on why that is or any proof that I have violated any of their listed banned activities. I have tried emailing them through multiple email address, tried calling them, and tried using their own website to " resolve '' this issue, but it seems as though they want to keep my money for 180 days or longer, if ever.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Identity Theft Victim. An unknown person used and obtained credentials on Paypal using linked credit Cards to bypass the system, create an account, and make purchases totaling {$3500.00}. My only account on PayPal is XXXX. Someone stole my info from PayPal and got access to my cards on their system. Terrible service to have your cards on. I would like my money refunded from the hacker 's account. I have already filed a police report and spoken to PayPal but their customer service team does not speak English and will not help me solve the issue. These transactions are unauthorized.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/XXXX I added a XXXX card to my PayPal wallet and sent money to a friend, as I have done many times previously. I am a secondary user/cardholder on said XXXX card . On XX/XX/XXXX several transactions were attempted on my XXXX card ( these were recurring monthly charges ) I had forgotten to change the primary card on my account so the XXXX card was still set as my primary payment method. There wasn't enough money on my XXXX account to cover the charge and because it was still linked to my PayPal, the recurring transaction then attempted to pull the funds from my PayPal account. This transaction was also declined because I had no funds in my PayPal account. XX/XX/XXXX I was sent an email from PayPal asked to provide documents to prove the cards I linked to my account belonged to me and to provide proof of identity. On XX/XX/XXXX I submitted the requested proof in the form of account/transaction summaries that included my name, address, card info etc that clearly showed the accounts i had linked to my PayPal were in fact, mine. PayPal responded on XX/XX/XXXX stating that my information was being reviewed. Then On XX/XX/XXXX I got an email from PayPal saying my account was permanently limited due to violation of their terms and " suspected '' ( PayPals wording, not mine '' ) risk. I dispute this, all cards linked to my PayPal account are in my name only and/or I am an authorized secondary account holder/cardholder/user. I provided proof of account ownership to PayPal as requested however they only allow 2 documents to be submitted in a response to their request. I included a note in my response that said I will send proof of account ownership of all the cards on my account if necessary. On XX/XX/XXXX I emailed the Executive Office at PayPal and explained my situation. I asked for the limitation to be removed and if that was not possible that the money that remained in the account be refunded to me via paper check and my account be closed. I received a response on XX/XX/XXXX that did not resolve my problem and offered no further explanation of their reasoning for my account limitation. On XX/XX/XXXX I emailed the executive office again and have yet to hear back. On XX/XX/XXXX I filed a complaint with the XXXX that ultimately did not resolve the problem with PayPal. I have a balance of {$31.00} in my PayPal account, that I can't access because my account was limited without warrant - I did not violate any terms nor have I ever engaged in risky behavior while using PayPals services or any money services, for that matter.
Company Response:
State: WA
Zip: 98901
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received a refund from my school on XX/XX/22. Venmo has locked and restricted my account everyday since to the extent I have only been able to access my money 2 or 3 times. I have told them repeatedly that all I wanted was the ability to transfer my money out of their bank. So now Im only able to score my balance and put money in.
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid a seller through PayPal, there was an ad on XXXX for what she was selling and said to contact her number to pay through PayPal so I did and then her account was gone and I couldnt message her through anything. And didnt receive anything I paid for so I got scammed and I dont know what to do.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023 my PayPal account was hacked and {$3900.00} was removed from my linked XXXX XXXX account. I contacted XXXX XXXX and they found that none of the charges were authorized by me. PayPal seems to think I am responsible for {$1400.00} that was loaded onto PayPal Mastercards at 3 different XXXX. PayPal has not been helpful in investigating the charges. The XXXX XXXX claim # is XXXX. The PayPal reference # is XXXX.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I received a payment of {$1000.00} through PayPal from the Clinton Presidential Library. I specifically declined to receive an immediate transfer of the money so that I could avoid the service fee. Nonetheless, PayPal only transferred {$1000.00}? I followed PayPal 's appeal process through two rounds but was never provided with any information about why the reduced the amount or denied my appeals. I specifically rejected the immediate transfer option. I thought that the process was pretty deceptive since I could see that they kept trying to get me to accept the fee but I never did. I imagine this is a recurring problem with PayPal 's service.
Company Response:
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A