Date Received: 2021-02-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: i have a paypal account and I've been a customer for several years now IM having some major issues with this service paypal. my account was limited and restricted back in XXXX of XXXX and i was told that i cant be given any information about the limitation or restriction. i was then told i have to read the policy in which states i will be able to withdrawal my funds after 180 days I've been in contact with PayPal over 20 different times regarding this issue since then. i spoke with PayPal XXXX of XXXX and was told that the date that i can access my funds is XXXX XXXX XXXX. When that day came i was still restricted and my account was still limited where i couldn't retrieve my funds that i was told I could receive. i spoke with XXXX a customer service representative and was told that i would receive a special email from the back office team that i would have to attach a bank account in order to extract my funds. I spoke with XXXX and she created a ticket in which the back office was suppose to fix the issue reference ID XXXX when i called again to check the status of the correction that was supposed to be made i was then told by XXXX employee id XXXX that there was an additional restriction added to a restricted and limited account which makes no sense .I tried to reach several supervisors and none could help me or give me information regarding my account i was promised that my account would be okay to withdrawal my funds once the email was sent no email was sent and I've been calling everyday to fix this issue to receive my money can you all please reach out to this company and resolve this issue thank you its not allowing me to make any transactions or add my bank account to receive my funds
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: To whom it may concern : As the only computer literate in our family, Paypal is the only virtual wallet account where I could get my income from XXXX. However, as soon as I created my paypal account, paypal have put limit on it making my account prohibited from sending and receiving any money. I have talked about this with them but they poorly responded with what I can do regarding about this. At this point I think they are not doing their job very well. After a week, I received an email from then saying I can no longer use paypal for no reason at all. I am worried because they only not closed my account but also hold my money ( XXXX $ ) for 180 days. They did not even state if they ensure I will get my money. I hope this complaint finds you well as this is my only source of income.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: ISSUE : I'm unable to login into my account ever since I changed mobile phone numbers. The way they are set up - which NO other financial company does - you can not get help AT ALL unless you can authenticate into their system. Problem is, when you CAN NOT authenticate because of their poorly designed and flawed authentication system, YOU ARE LOCKED OUT. Goodnight! You're done, son! STEPS TO DUPLICATE 1. Change your mobile number with your mobile provider. You have no way of knowing in advance which number you will be assigned in your new area code, so it's not like you can give PayPal advanced notice or log into their system and add the new number while you still have the old one. It doesn't work that way. 2. Go to to paypal.com. 2. Enter your login credentials ( username and password ). 3. It accepts it, but wants to further verify your identity by sending a one-time code to your mobile phone. It lists the last three digits of your OLD number. 4. Obviously, you can't have it text your old number - it's now out of service ; so, click on the link below the " Continue '' button that reads, " Having trouble logging in? ". 5. It returns a screen that reads, " Quick security check. We just need some additional info to confirm it's you. Receive a text. Mobile [ it AGAIN lists your old mobile number showing the first digit of its area code and, this time, the last four digits of your old number. 6. At this point, you are done son. You have NO OTHER OPTIONS. No WAY TO LOGIN. They have you trapped in an endless, vain, and fruitless loop. 7. Okay, go ahead and try to call them. Once you get through the menu, it tells you that you can not speak to anyone. It tells you that you must first log into your account and use the Help Center. Yep. NOW ONTO MY RANT WITH MY NIGHTMARISH EXPERIENCE TRYING TO RESOLVE THIS ISSUE : They are REALLY THAT XXXX AND INCOMPETENT. I am not a mean person. I try to be nice and courteous with everyone. I'm really patient. They have successfully brought me to the edge of sanity, figuratively speaking. You have ZERO RECOURSE for help ; so, what are you to think? Yep. They are incompetent XXXX and they really aren't interested in helping you. They want your money. They do not care about customer service quality. Not one bit. Even the people of the phone in their credit dept show by their words and actions that they aren't willing to go the extra mile to help a valued customer ( okay, I guess I'm NOT valued by them ... but neither are you, really ). If I had been in their shoes, I would have taken my information and I would have hunted down the right people who had the power to solve my problem. Nope. Didn't care. I have tried EVERY back door I could to speak to a LIVE person willing to help me, including their credit division. They wouldn't help me. I've tried for a year now. The stress this has caused has been IMMENSE. Someone else, now, has my mobile number. They could actually get into my account. So, ironically, what they " call '' a security feature turns out to make a customer VERY INSECURE. Now, a gal in the credit dept said that I can click on " Having trouble logging in '' - and when it presents my old mobile number - I can click on an option to add another one. NOPE!!!!!!!!!! I was told to wait a few days and try again. NOPE!!!!!!! Meanwhile, I'm bebound and I'm in TERRIBLE BACK PAIN. This is TOO MUCH! My wife and parents are witnesses to the stress and trauma this has caused me. I should be able to access my account!!!!! I just want to close it at this point. My experience with PayPal has been SO BAD, that I NEVER, EVER want to deal with that incompetent company again. Honestly, at times, I felt like I was going to have a nervous breakdown because PayPal does not give a customer ANY WAY to resolve the issue - even to close the account - unless you can login. I'm not alone based on what I see online. I'm a techy guy. I have 30+ years in the XXXX and XXXX XXXX. I'm no XXXX when it comes to using technology. I've tried clearing browser caches, changing browsers, using their mobile app .... EVERYTHING. Then, a week ago, I received an email statement from PayPal ( which started this whole stressful ordeal when I got notifications from my bank of charges from PayPal that I did not recognize - kept coming for months with new charges ), they had a link in the message saying " Having troubles logging in? ". I tried it out of desparation - hoping that the company would finally get its act together and FIX their ridiculously flawed system. And, to my great surprise and incredible joy (!!!!! ), it offered me an opportunity to add another mobile number to my account. Mind you, it didn't log me in - it simply prompted me AFTER I provided my correct login credentials ( which always works ... it's the " security feature '' that wants to send a code to my old mobile number that always XXXX me ). However, my joy and exhultation ( literally ) was short lived. After it accepted and verified my " new '' mobile number ( which, by this time, I've had for a year now ) - rather than logging me into my account - it brought me to the login screen!!! Okay, I thought, this won't be a problem now because they have my new mobile number AND they verified it. Nope. Their incompetency just continues to go to lower depths. After successfully providing my login credentials, it wanted to verify me with a code sent to ... .. guess what (? ) .... MY OLD MOBILE NUMBER. It gave me NO OPTION to use the NEW number they had ALREADY ACCEPTED FROM ME just a few minutes ago. Oh my gosh!!! If this weren't happening to me, I would think this was a lie. But, no, it's my life with PayPal and my worst experience ever with a company 's technology. Man, I just want to close the account. Can't. I can't successfully get into my account so that I can use their Help tool. Oh, and by the way, YES!!!! I did send an email to their support email. I get their useless automated email telling me to log into my account and then get help from their Help Center. Really, it's that XXXX. I'm sorry, but these guys are XXXX. I'm shocked they've been able to remain in business. They need to fire whoever is in charge of their online experience and the person over customer service. AWFUL!!!! NIGHTMARE!!!! I'm not lying. It really is THAT BAD.
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: someone used all my information two purchase two XXXX XXXX tickets. two tickets in XXXX XXXX XXXX and they are asking to pay back something i never authorized i provided a police report to this company i have provided a notarized affidavit this was identity theft i have provided a identify report, yet they want me to pay for something i never did and they continue to call me and send me letters about debt thats not mine
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal is permanent limitation on my account without reason and my paypal id is XXXX and this one is registered on XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
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: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal has refused to close a business account I opened for a business I did not end up starting in 2014. They are requesting bank documents from the business that are no longer available and making it unnecessarily difficult to close the account at my request.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I recently received a letter from a company called XXXX XXXX XXXX in regards to a {$440.00} overdraft I have on a paypal account. I found this very strange, as I had previously been informed by a paypal representative through a phone call that they wouldn't pursue a debt collector and that the debt wouldn't affect my credit score. The letter says that I have 30 days to pay off this debt or it will be put permanently on my record, and tells me to pay it through a site called XXXX. I found it weird that it wasn't asking me to do this through paypal in any capacity, and upon further investigation, I'm starting to believe that this is a scam. here are a few reasons why : Firstly, the site XXXX isn't the site of ACI ; it's XXXX. That site even has it's own section to arrange payment. Secondly, the letter claims that the company is based in XXXX, New York, but the letter seemed to have been sent from XXXX, Texas. I've encountered scams before and one of the textbook signs of them being fish is inconsistencies with addresses. That puts this letter under suspect. In addition, there have been numerous forum posts on here mentioning letters like these seemingly from the same source with the same site attached, and most of them point to this as being part of the same scam. I'm starting to believe that's the case here as well, but since those posts also confirmed that XXXX XXXXXXXX XXXX IS PayPals collection agency, I don't want to ignore this only for it to actually be legit. I dont take lightly to the threat of my credit being negatively impacted especially when confirmed by PayPal that my credit would not be affected, especially because I should not owe this debt. I was scammed out of an item I was selling on XXXX. I am sending a copy of the following to the ACI office as well. Personal information is redacted. To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( date of letter XXXX. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 10 ( ten ) days from the date listed above, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUSTi be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/XXXX at XXXX I received a email from PayPal stating I can no longer use PayPal. Without any explanation of why and I have a balance on my PayPal account that I can not get access to. I have been a customer of PayPal for almost 3 years. I have never had a problem with my account. So for me to wake up to a limited account is very disturbing. My account has been limited due to suspicion.I have documents to show that its legit and funds sent to the PayPal owner is legal. My funds are now on hold.I am highly disappointed. I provided proof of payment and identity.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased a poncho/sweater from XXXX ( a/k/a XXXX ), advertised via the XXXX ( " XXXX '' ) Platform. XXXX displays an American Flag, which to the buyer, seems to be a Made in America company. The sweater is defective. On XX/XX/XXXX, I reached out to PayPal, as the payment transferred via PayPal. I included pictures of the condition of the sweater after one ( 1 ) hour of wear ( the sweater was not washed or altered ). PayPal denied my dispute, as PayPal stated : We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. What transpired : Via an XXXX Advertised platform, I purchased a sweater from XXXX. After approximately one ( 1 ) hour of wear, the sweater, shed profusely all over my clothing, hair, car, and the restaurant chair. Embarrassed, I reached out to XXXX. The charge displays on my credit card statement as XX/XX/XXXX-PayPal XXXX XXXX CA. Despite voluminous pleas for assistance, reporting the defective merchandise, and several requests for a return label, XXXX would not provide a return label. Below are XXXX Responses : On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$5.00} to keep the defective sweater. On XX/XX/XXXX at XXXX, via XXXX , XXXX offered me {$15.00} to keep the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$15.00} to keep the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$10.00} for me to keep the defective sweater. I again requested a return address to send back the defective sweater. On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$18.00} for me to keep the defective sweater. Is This A Deceptive Trade Practice? : On XX/XX/XXXX at XXXX, XXXX instructs me to use a sweater de-baller or wash it to reduce the shed of the sweater. I requested a return address to send back the defective sweater. Though I did neither ( de-ball or wash the defective sweater ), on XX/XX/XXXX at XXXX XXXX, XXXX states : All return/exchanged items must be returned in their original condition : unworn, unwashed with all tags attached. The above is, in my opinion, a Deceptive trade practice with the intent to trick/victimize honest consumers. For why would a merchant instruct a consumer to wash an item, then two ( 2 ) days later warn that if the merchandise is washed that it could not be returned? As mentioned earlier, I never washed the sweater, and after eleven ( 11 ) emails with a request for a return address ( via XXXX and my secondary email ) ; three ( 3 ) emails with a request for a return address via my primary email ; and five ( 5 ) XXXX back-and-forth XXXX messages, XXXX has not responded with 1 ) a return label ; or, 2 ) their return address ( Of note is that they purport themselves as a US business, and the tracking starts out of XXXX, NY ; however, there is no Company address listed on their Website. ) PayPal denied the request to refund the {$48.00} transaction.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A