Date Received: 2021-02-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My Paypal account ( as well as my fiance 's ( same address ) ) was banned as a result of a dispute related to a funds loading issue in-store at XXXX XXXX that took place on XX/XX/XXXX and XX/XX/XXXX. We used the " in-store barcode load '' function offered by PayPal to load money into PayPal at the cash register at XXXX XXXX in XXXX, MA. However, on both days listed above, two {$500.00} loads failed to process for two of the PayPal accounts. This resulted in a shortage of {$2000.00} total ( {$1000.00} in one account, and {$1000.00} in the other ), since even though the money was never deposited into 2 of the 5 PayPal accounts each day ( the fifth account belonged to my brother, and my fiance and I had two each -- a business and a personal, within the PayPal terms and conditions ), the charges to my credit cards still posted from XXXX XXXX. Since this is a third-party service through XXXX XXXX, but used by PayPal and transacted by XXXX XXXX, I initially tried to resolve this with XXXX XXXX, but they did not have any cash overrage at the register and could not trace the missing funds and stated the transaction posted successfully on their end. This took place in-store on XX/XX/XXXX with a conversation with the front-end manager, who said they would still look into it with their corporate team but never had a follow-up from them at this stage. That physical store location is permanently closed now. Then, I tried to resolve the issue with PayPal, by contacting them via their Message Center ( since I was unsuccessful at getting ahold of anyone via phone ). This conversation took place in the first week of XX/XX/XXXX ( see transcript attached ), but also provided no results because I was told to contact the store again. I believe this is when my account was initially and erroneously flagged for " fraudulent activity '' or " risk ''. I then tried to call XXXX XXXX, the third-party processor for this type of transaction, but could not get ahold of a representative over the phone or via any other means, who handles this type of issue. I attempted an email discussion with XXXX XXXX on XX/XX/XXXX, but it provided no results since they were " unable to research the claim ''. I was out of the country in XXXX from the last week of XXXX until XX/XX/XXXX. Upon checking my PayPal account status, after inquiring about the issue of the missing funds to XXXX XXXX, XXXX XXXX and PayPal, I received a notification on all 5 accounts that were loaded with funds at the register at XXXX XXXX, stating that we could no longer use those PayPal accounts -- they had been permanently limited. There was no fraudulent use associated with the accounts, and the accounts were abided by the Terms and Conditions and monthly loading limits ( {$5000.00} for each account ). PayPal closed all 5 accounts on XX/XX/XXXX. One of the 5 closure emails sent on this date is attached. I have no doubt this was related to the missing funds inquiry and my persistence to trace back the missing money. As a last resort, with many weeks having gone by since the missing funds, I submitted a chargeback to my credit card on XX/XX/XXXX. The chargeback was declined by XXXX on XX/XX/XXXX ( see attached ) because XXXX XXXX initially ruled the purchase as " gift cards '' that were " non-refundable '', and stated they were " activated successfully '' despite the evidence that they did not post to the PayPal accounts. I called the Accounts Receivable department at XXXX XXXX, and worked with an employee on their corporate team and forwarded her the dispute documentation on XX/XX/XXXX. After further research on her end, she concluded that I was in fact entitled to the refund of the missing PayPal funds. Office Depot agreed to refund my credit card {$2000.00} on XX/XX/XXXX ( see attached credit card statement ). In the meantime, with the previous 5 accounts disabled by PayPal, I was using 4 new accounts since I had thought Paypal only disabled the previous accounts due to what they erroneously assumed was fraudulent activity on those accounts. Immediately following the refund from XXXX XXXX, PayPal decided to close all 4 of those accounts, likely as retaliation because XXXX XXXX was trying to collect the missing funds from PayPal which they had paid out to me for the refund, on XX/XX/XXXX. Both rounds of account closure were not only unwarranted but unfair. Not only was I missing a large amount of money ( {$2000.00} ), but PayPal decided this was " fraudulent '' on my part. Additionally, when PayPal decided to close my accounts, two accounts had funds still in them. I have tried numerous times to withdraw the funds, which are valid and my own and not a result of fraudulent behavior, and PayPal refuses citing that they will not refund them for 180 days and only if they find they aren't " owed '' the money in damages. Here are the sums withheld in the missing accounts : Account 1 : {$500.00} Account 2 : {$3000.00}
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My PayPal account was permanently limted 6 months ago paypal said to me that I would recive my money within 180 days it has now been 184 days and they just give new excuses every single day I are tried many times with them but nothing works they just keep lying to them My PayPal email adress is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My PayPal account was closed for no reason as soon as I received a payment then they locked and and closed my account permanently and said I would have to wait 180 days I want my money released to me now I have not went against any of there guidelines and would like my money released and Ive tried for weeks to get it released So I contacted yall because they are not doing there job right the email linked to my PayPal is XXXX XXXX
Company Response:
State: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Basically I received money from unemployment through direct deposit and they permanently closed my account I went through there resolution process and tried to call but was on hold for hours I sent them all the information they requested to verify my account and got no reply please help me be able to access my account funds I have kids and rely on that money to keep a roof over there heads please XXXX XXXX
Company Response:
State: CO
Zip: 813XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account for no reason and will not help me recover it. I haven't gotten help from them for months, but I just remembered that I can submit a report here because I think they are not doing a good job, and because I often use PayPal, this has a big impact on me. My email link to my PayPal is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I purchased an item on via PayPal on XX/XX/21 for $ XXXX. When on the pop up screen I noticed I was unable to chose my payment option. I then went to PayPal to check the status of my account. Everything seemed ok UNTIL I tried to add a bank account. I requested customer assistance. I have been blocked from messaging the company. I tried calling PayPal, they are NOT answering their phones. You can not message them via email, they will not answer their phones, their website is malfunctioning, and their automated system is having issues. They have blocked any effective form of communication. They have control of my money but I have NO access to remedy any issue with my account.
Company Response:
State: OK
Zip: 74403
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
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 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: 92251
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have tryed calling only to have the computer refuse my call and left messages thru my paypal and not one reply. I am talking aboiut Paypal and a refund from XXXX XXXX XXXX I am trying to get out of paypal thats allready been refunded to me thru paypal. There inaction and puting a hold on a refund and claiming it is a sale when I dont sell is all intentional and wrong. I am so sick of Paypal and just need to pickup a refund and not be harrased by there workers. I am ready to file a complaint with Minnesota Attorney General as there out oif line.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal permanently limited my account due to false reason which is " sale of unapproved file sharing services ''. All I am doing is Bitcoin trading with XXXX. They did not conduct proper check on my account before they do that.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is regarding XXXX with-holding a transaction fee when it suppose to be reversing or refunding a transaction that was beyond my control. The sender happens to send me money as a business, when I am not nor did I register as a business. On XX/XX/21, a person sent me money for {$510.00}, which XXXX charges a 3 % fee of {$15.00} because they sent it as a business and not to a friend. XXXX did NOT offer me any option to reject the transaction and therefore allow the payment to be received, and I got {$500.00}. I then issue a refund, in thinking that the transaction would be reversed, and {$500.00} would be taken out, but instead when the refund completed, XXXX took out {$510.00} from my account and withheld the fee of 3 % - {$15.00} There needs to be consumer protection since XXXX did not give me any option to reject a transaction if they already intend to hold the 3 % fee and not fully reversing the transaction. No notice was given. More regulation is needed since I made many attempts to get an answer and to help me dispute this, but I'm unsuccessful due to their excuse that it's Covid. This is just blatant robbery since I had no control of sending/receiving the money.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A