Date Received: 2021-01-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing PayPal services.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is the response to the companies response for case # XXXX with my responses in parenthesis. ( No way to highlight or color on this site ) Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPals user agreement ( User Agreement ). ( Anything to do with my complaint of not being able to contact you to fix the problems I am having? If I have not participated with any of these agreements please spell them out. If you are trying to say you can do whatever you want as far as not giving me proper access to my funds I doubt you will be able to do that. You may be asking for some real trouble with that one. Which is where this is heading if you do not start helping me fix these issues and get access to my funds other than buying things using paypal or my paypal debit card. ) On XX/XX/XXXX, you provided your XXXX XXXX savings account ( Savings Account ) to PayPal to use as a funding source and for withdrawals ; that same date, PayPal sent two small deposits to your Savings Account to complete the confirmation process. On XX/XX/XXXX, you provided your XXXX XXXX checking account ( Checking Account ) to PayPal to use as a funding source and for withdrawals. ( I need a compete transaction listing so I can research this. ) It is important to note that the deposits sent to your Savings Account were never verified with PayPal ; consequently, we could not confirm ownership of your Savings Account. You will not be able to use your Savings Account with your Account as a funding source until you complete this process. ( I already stated what the problem was with that and why I couldnt complete it. It is you webpage problem. Why did you ignore that part? Quit trying to act like I am the problem with any of this. ) On XX/XX/XXXX, you removed your Checking Account from your Account. On XX/XX/XXXX, you began attempting to re-add your Checking Account to your Account ; however, your attempts were declined by PayPals internal security model. While we recognize this can be a frustrating experience, this security system helps uphold the safety and integrity of the PayPal community and is intended functionality. Our internal security model takes into account multiple factors to assess potential risk associated with transactions or account changes. In this case, the risk factors considered include : Your Account was accessed from locations inconsistent with any address known ( by PayPal ) to be associated with you. ( Where are these locations you are claiming I am using for accessing, and what accounts exactly, from? I am at my same location every time I access or attempt to access any of my bank or paypal accounts. ) The only banks active on your Account were your unverified Savings Account and a prepaid bank account. ( You just stated that no accts were associated with my acct as the checking acct was removed. Now you talk of another acct. What is this prepaid bank account? I dont even know what a prepaid bank account is ) Your Account has a P.O. box listed as the primary address ; this prevents us from completing certain verification steps. ( what account? ) Between XX/XX/XXXX and XX/XX/XXXX, you contacted PayPal Customer Support via chat and requested that PayPal allow you to link your Checking Account to your Account. At this time, a Customer Support representative offered to complete a security verification step to link your Checking Account ; however, you did not respond, which caused the chat session to automatically close on XX/XX/XXXX. ( I am not to be the one that adjusts 100 % of my life for your chat system. I waited hours the first day and no one ever responded. I finally closed the page after about 12 hours and shut off my pc. The next day you sent me an email that you were responding and to go to the chat. I did and again there was no one there and went through the same kind of experience. The next day the same notification and I went there with no one available, but I did give some info on what they problem was. I waited and made my complaints to the cfpb over this as I cant keep playing these disgusting, disrespectful games with your chat. I have stated what is wrong and as far as I know they have not been fixed. When that ever is contact me on that issue. You go all over the place and never take care of my actual problem. I gave up on using the paypal system as it was completely unacceptable and nearly useless to me so I moved on to using an agency that you will likely respond to. If this kind of communication is used instead of proper communication I have a feeling someone will be stepping in and requiring proper customer service. Nearly every other company I deal with can supply proper phone service, the virus scam is no excuse for most of this. I dont even want to know how much money your company revenues are, I know it is pretty massive and certainly allows enough to run customer service. Open up a bubble center with workers that live there so they can provide service, stop using excuses. ) Upon receipt of your complaint, PayPal conducted a full review of your Account and confirmed that your Account activity had remained consistent before, during, and after your attempts to link your Checking Account. Therefore, on XX/XX/XXXX, PayPal added your Checking Account to your Account to be used as a funding source and for withdrawals. ( I never authorized this. I was attempting but never actually completed it so you have improperly added that account. ) It is important to note that effective XX/XX/XXXX, PayPal and XXXX became separate entities ; and PayPal is no longer owned by XXXX. In reference to your complaint regarding XXXX requirement that you use PayPal to accept funds from XXXX sales, we recommend that you contact XXXX Customer Service at XXXX. ( And you should tell XXXX you do not want to do business with them as they are forcing us to use a service making you dislike. Do you want that? Dont just tell me what to do, I and multitudes of others have expressed our displeasure with the situation already and continue to. This kind of garbage is just another reason we do not like your company. ) Due to COVID-19 and limited staffing for safety precautions, you were unable to speak with a PayPal representative regarding your concerns. We apologize for this experience, but we can assure you that we are still committed to providing world class customer service. At this time, we can be reached via email or chat. We appreciate your understanding. ( This paypal answer goes all over the place with things that have little to do with my problem and nothing helping me get access to CS like I need. A big waste of time, but I guess someone gets paid to use their time for this and add to wasting my time. This company still has not given me a way to contact them to fix these problems. Not one that is there when I am not there. What is the exact answer to that? I have stated my problems in their chat and never received a full answer to how to fix that. I want to know this system will work before I link any accounts as will also need to be able to remove them shortly after. How do I know if I link and acct that I will not have a problem delinking my acct? A company that will not help me access my funds should be trusted with accessing other funds of mine? I do not trust paypal. No pal of mine. I also need a compete transaction listing so I can research this. Since I can not contact them properly and am not going to keep trying and wasting time like I did before I need this to start with. I need a way to remove my money from paypal and I do not want to be adding any accounts other than the one that I specify and authorize. I do not want paypal having any other info about me or my accounts. I do not trust them at all. This lengthy response that may have inaccuracies is more proof of why I dont. They do not act normal at all. Spend all of this and my time instead of just offering proper CS. I need this fixed so I have a way to remove some of my funds from my account and do not want to do this back and forth. I have already spent way too much time working on this. Could have probably been done a long time ago. )
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear Madam/Sir, Hi, In XXXX XXXX, I sent {$300.00} CAD to Mr. XXXX XXXX XXXX [ I forwarded the verification ], but this amount was sent to another person, whose name is XXXX XXXX [ You can find the picture in the attachment. ] I have no idea who he is, and how this amount sent to him?! So it shouldn't be my fault because I did not use any e-Mail addresses. I just used Mr. XXXX 's phone number in order to send money. Money was sent to another person, whom I don't know, and PayPal is responsible about this problem. That person might be PayPal user [ I even sent him an e-Mail, but he did not respond me ], so you can find him by transition ID or his information in your data bank. Please help me to refund money. It's {$250.00} and I can not afford to send it again because of the mistake I never made. Thank you. Best, XXXX XXXX
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Funds in my Venmo account were being transferred to a XXXX XXXX account that was not mine. From XX/XX/XXXX to XX/XX/XXXX, XXXX deposits for the sum of {$21000.00} were made into the XXXX account which is NOT mine. It appears that someone hacked my Venmo account and changed the bank from my XXXX XXXXXXXX XXXX to their XXXX XXXX. On XX/XX/XXXX the Venmo account somehow returned to my XXXX XXXXXXXX XXXX account. I have filed a case with Venmo on XX/XX/XXXX. I've not heard anything from them on the issue todate. I have reported the case to the XXXX, XXXX XXXX Police Dept. I have filed with the Ohio Attorney General 's office, Internet Crime Complaint Center, my personal attorney, my accontant. I have also changed every password on accounts and established Identity Theft Service and accquired a pin for my taxes.
Company Response:
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account no reason at all and will not help me get it back up and going Im not sure if its a mistake as I assume it has to be I have not been able to get help from then for months but I just realized i could file a report on here as I feel they are not doing there job properly in its affecting me during this pandemic covid 19 And it has been more a 180 days my email is linked to my paypal is XXXX XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: An online banking Service VENMO has received money on my behalf but will not release the money to me claiming the account was frozen due to suspicious activity, however the only activity I attempted was to retrieve the money. Continued contact with VENMO included their request for bank statement and drivers license which was supplied to them, but they still will not release the money sent to me. I am charging VENMO with THEFT
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Venmo won't give me my money back. I need a refund for these items On the XX/XX/21 {$3.00} {$5.00} {$29.00} {$2.00} {$34.00} {$4.00} XX/XX/21 {$8.00} {$2.00} {$55.00} {$2.00} {$12.00} {$80.00} XX/XX/21 {$78.00} XX/XX/21 {$78.00} XX/XX/21 {$90.00} XX/XX/21 {$100.00} XX/XX/21 {$200.00} XX/XX/21 {$100.00} XX/XX/21 {$9.00} XX/XX/21 {$73.00} {$54.00} XXXX XXXX account XX/XX/21 {$100.00} XX/XX/21 {$83.00} I want the all the refund sent to me in a check sent to my address.been asking for it they been putting it off. I want the refund I am asking for asap
Company Response:
State: HI
Zip: 96701
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I am writing to advise you of Paypals breach of its own buyer protection policies and its unfair and deceptive business practices. I recently utilized Paypal when purchasing three shirts from XXXX ( also known as XXXX ) on XX/XX/XXXX for a total of {$64.00}. On Mokicons own website it states that processing of orders usually takes 1-4 business days ( while some items may need 6-9 business days ). We will send you an email if the processing time takes longer than expected and that Shipment takes 7-15 business days to arrive. On XX/XX/XXXX and XX/XX/XXXX I emailed the seller as the tracking number they provided ( USPS XXXX ) hadnt been updated in days. At no time did the seller mention any issues with my order. On XX/XX/XXXX I received the order, however only one of three shirts was received. I emailed the seller and their response was that the other two items were out of stock and will restock in about 8 days. On XX/XX/XXXX, I advised the seller that was unacceptable and requested a refund for the two shirt I did not receive ( which would be {$37.00} ). That same day the seller responded, ignoring my refund request and said It needs to wait 7 days. We will ship to you once available. On that same day I responded that I do not want the items and I wanted my money back. The seller did not respond further. On XX/XX/XXXX, I filed a dispute via Paypal ( case XXXX ). As part of my dispute, I uploaded copies of the emails between myself and the seller, showing that the seller admitted to now shipping two of my items and that my repeated requests for a refund had been ignored. On XX/XX/XXXX the seller responded via the Paypal resolution center with the tracking number, USPS XXXX XXXX the tracking number for the one item I did receive ). I responded that same day once again stating that I wanted a refund. On XX/XX/XXXX, the seller added another tracking number, which as of today still shows as Shipment information received XXXX XXXX. At that time I requested PayPal escalate my complaint. On XX/XX/XXXX I received notification from Paypal that they denied my claim because we received shipment tracking from the merchant confirming that the merchandise was delivered. Given that the only tracking information the seller provided which showed anything was delivered was USPS XXXX, which I admitted I did receive and contained one shirt, I am not sure how Paypal decided that this meant that the other two shirts were delivered since the other tracking number provided was never delivered. I contacted Paypal again and asked that they refund my money and reopen this case. I was told by PayPal representative XXXX that as my dispute was Item not received and not significantly not as described that they closed the case in the sellers favor. As if that excuses PayPals lack of common sense or investigation. On XX/XX/XXXX Paypal representative XXXX told me that I would have to fill out a form with the Internet Crime Bureau of the FBI. She said once I completed the form you will want to come back to this Message and attach that to our conservation or send it to us via email at XXXX. We will then attach that to the Claim and get that money for you. I found the idea of having to contact the FBI regarding a refund dispute ludicrous and told her so, but I did it anyway. I emailed the form to XXXX on XX/XX/XXXX. I then received a generic response back from PayPal about opening a PayPal account, so I went back into the PayPal chat and also uploaded the form there. I was then told by PayPal representative XXXX that I needed to log into the resolution center and upload the form there. When I tell you that I was livid, that does not begin to explain how I felt. I have jumped through every hoop Paypal has asked and I have had enough. I didnt want to fill out the FBI form but I did. I submitted it as instructed by XXXX, and now Im being told I have to do more? I requested a supervisor and spoke with XXXX and XXXX, who also wouldnt refund my money. I asked that my complaint be forwarded to Paypals Executive Escalation team and my request was refused. Per Paypals user agreement : Step 1 : Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller 's PayPal account until the dispute is resolved or closed. Step 2 : Escalate the dispute to a claim for reimbursement within 20 days after opening the dispute, if you and the seller are unable to come to an agreement, or we will automatically close the dispute. You can escalate the dispute to a claim for reimbursement through the Resolution Center. The seller or PayPal may also escalate the dispute to a claim at this point. PayPal may ask you to wait at least 7 days from the transaction date to escalate the dispute. Step 3 : Respond to PayPals requests for documentation or other information, after you, the seller or PayPal escalates your dispute to a claim for reimbursement. PayPal may require you to provide receipts, third party evaluations, police reports or other documents that PayPal specifies. You must respond to these requests in a timely manner as requested in our correspondence with you. Nowhere in this agreement does it state that I must upload a form to the Resolution Center before my claim can be resolved. It only states that I must respond. I responded to PayPals extensive requests. I emailed the form submitted to the FBI and added it to the chat. PayPal has this documentation and instead of processing it, insists on asking me to jump through another hoop in order to delay processing my refund, when had PayPal actually investigated my initial claim properly, this wouldnt be an issue at all. Per Paypals terms PayPal may communicate with you about your PayPal account and the PayPal services electronically as described in our Electronic Communications Delivery Policy. You will be considered to have received a communication from us, if its delivered electronically, 24 hours after the time we post it to our website or email it to you. If PayPal considers a communication received by a user once its delivered electronically to the user, then a communication sent by a user to PayPal should be deemed received once it is delivered electronically to PayPal. PayPal is in breach of their own user agreement which states that When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPals Purchase Protection program. When applicable, PayPals Purchase Protection program entitles you to reimbursement for the full purchase price of the item PayPals Purchase Protection program may apply when you encounter these specific problems with a transaction : You didnt receive your item from a seller ( referred to as an Item Not Received claim ), or You received an item, but the item isnt what you ordered ( referred to as a Significantly Not as Described claim ). PayPal is engaging in deceptive and fraudulent business practices by holding itself up to be a service that provides Protection you can count on when it has proven that it provides no protection, or protection you will have to fight tooth and nail for ( see https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? XXXX XXXX XXXX XXXX XXXX ) At this point in time, the seller has earned money for items it never sent and PayPal has earned a fee on these items , however, I, as the consumer have been damaged in the amount of {$37.00} plus the hours of time that I have had to spend explaining to incompetent PayPal employees why a refund should be issued to me.
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal put my account in a permanently limited state without telling the reason why and they are not responding to any of my emails. I closed my account a few years ago and then reopened it a few weeks ago with my bank debit card. They then put it in a limited state and asked for personal information, once I did they lifted the limitation. I then made a request for the Paypal debit card to be mailed to me and changed my registered mailing address as I moved recently. They then told me that my account was permanently limited for 180 days and they're holding my money. When I tried to send them a message the messaging center auto responded that there are no agents available and to call back during business hours even though I called around noon. My account is frozen and they're not responding to my email and their phone number just automatically hangs up on you. As you can see by the screenshots attached their automated system is telling me they're close and to message them during business hours. While I am messaging during business hours.
Company Response:
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have 4 Gift Cards with a {$50.00} value each that were given to me from a friend as a gift. I tried to use them but they have no money on them. I was told the law says money can not expire or be taken but they were deactivated and drained of the money over time. They were from Paypal XXXX XXXX and were XXXX XXXX XXXX Gift Cards. I will attach both the original order to my friend from when he bought them a few years ago and my photo copy off all four printed out Gift Cards I called both XXXX XXXX who was nice and tried to look them up but showed no money on them. I called both XXXX XXXX and XXXX XXXX Customer Service which said the same thing. They were sold by Paypal XXXX gifts so nothing surprises me about Paypal and their common issues. I talked to someone there who blamed XXXX XXXX and said to call them which doe not work. Paypal needs to PAY ME. The cards were purchased in 2015 and given to me that year also are are supposed to never expire.
Company Response:
State: MN
Zip: 55316
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A