Date Received: 2023-10-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: my account has been working perfect without any issues. I never been associate with any fraudulent activity. i never been associate with any chargeback. Now i received the notification that my account has been permanently suspended. XXXX XXXX XXXX : XXXX I would like to PayPal review my account there is not issue with my account, and i don't think it should have this decision without any explanation. i hope please get help about this issue to be resolved or if PayPal needs more information about my account, please try to ask me and i will be able to clarify any information.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX paypal completely limited my account. They gave no reason and still wont give me a reason as to why they are holding almost XXXX of my money. This money was the proceeds of the sale of my mothers home, she passed away on XX/XX/2021. This has too be illegal on so many levels. Paypal has not asked me for any information or documentation on this issue and yet they say they did an investigation on my account? They told me in an email today that they will not release my money until XX/XX/XXXX? How is this fair or Moral? I just cant fathom that a company in the USA is allowed to do this to honest people???????
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX made a transaction from his XXXX card to his PayPal then got a NOTIFICATION ABOUT NEED SOME MORE DETAILS. XXXX answered the questions. PayPal says YOU ARE HIGH RISK. XXXX wanted more answers. PayPal says THEY DO NOT HAVE TO GO INTO DETAILS. XXXX says WHAT WENT WRONG I CAN NOT USE PAYPAL. PayPal answers with the same REPLY. And XXXX says WE HAVE THE RIGHT TO REFUSE ANYBODIES BUSINESS. How did PayPal decide to refuse XXXX ' business... It must be XXXX XXXX because someone in high rank position ONLY can refuse business. XXXX had great XXXX anguish because the refuse business excuse. IT HAS TO BE A FAKE REASON. XXXX can not use PayPal like the OWNER says that, and XXXX has to get off of XXXX too. I DO NOT LIKE HIM.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: XX/XX/23 We transferred my XXXX $ payment into my Venmo account. We couldnt transfer it into my main cash app account ( the card I have on file ) when Ive never had this problem before. XX/XX/23 we call them and they tell us 1-3 business days. From that point we are expecting it today XX/XX/23 the money failed to hit our account it tried to deposit the amount. XXXX $ then declined AGAIN, a second time. We call and they tell us another three business days or itll be here XX/XX/XXXX. We needed our money and got no actual response on what happens if it doesnt allow the transaction to complete again? Their site says they can hold money for 180 days. This is not okay. They claimed it was suspicious activity but I verified the account I wanted funds transferred too on the phone the day of the XX/XX/23
Company Response:
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had paypal balance of {$25.00} and a prepaid card from XXXX of {$50.00}. I was attemtping to buy something above the price of the prepaid card and Paypal wasn't allowing me to split the payment between my balance and the prepaid card the only way I could afford it so I transferred {$25.00} from my PayPal balance to the Prepaid Card. It ended up being {$24.00} to the prepaid card after Paypal transfer fees. On XXXX it shows the same amount as a purchase and it was deducted from my account and also from my paypal account. Both companies are pointing the fingers at each other and not understanding the situation. I filed a dispute with Paypal and it was denied they told me the money was sent I filed a dispute with XXXX and they told me it takes up to 90 days and I'm sorry I'm not waiting that long. I lived on a fixed income and {$50.00} nearly that I've lost is a lot of money to me. I don't know who's fault it is its just pointing fingers on my paypal account it shows the money transfer from the Paypal balance to the XXXX prepaid but on the XXXX website it shows a purchase from Paypal. This has to be some sort of major screw up or potential fraud on their behalf. If the card isn't loadable it shouldn't allow you to attempt to load it and outright deny it. But instead of that it deducted the money from both ends. The companies of course are playing XXXX not understanding what I'm explaining with no help at all.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: It all began when my debit card with PayPal declined for {$6.00} when I knew I should of have around {$700.00} in my account. About the same hour I'm getting notifications on XX/XX/XXXX that an address was added to my PayPal, a debit card I didn't recognize, and then a email address. Then they were all removed which I took screenshots bc I thought it was unbelievable bc I keep two factor authentication turned on all of my accounts so PayPal couldn't deny what was happening to my account and money. Here is a list of what fraud went on. The date, merchant, and amount ; {$34.00} rockwallet ( XXXX transactions ), XXXXXXXX XXXX XXXX ( XXXX ) merchant not stated, XXXX apleclothing.com, XXXX transfer out to unknown person name XXXX, error of XXXX transferred to unknown card. Currently they have credited my account back for the reported transactions however I can not touch my money for 180 days and it states permanently I can not ever have PayPal services again. I called and asked why I'm being punished by reporting fraud. They couldn't give me an answer and sent me a link to their terms and conditions. I submitted all of the proof I had showing someone got access to my account. It didn't matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX we are struggling to eat, he didn't get a gift or nothing from me. That's where all my deposits go to and I have no access to any other account or money.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.
Company Response:
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Dear PayPal Customer Support, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. First and foremost, I want to emphasize that I have always strived to abide by PayPal 's policies and guidelines diligently. I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. This situation has left me perplexed and distressed. I kindly request that PayPal conducts a thorough re-evaluation of my account 's limitation. I believe that upon further investigation, it will become evident that there has been no violation of PayPal 's policies from my end. I am committed to resolving any issues or concerns that may have led to this decision, and I am willing to provide any necessary documentation or information to support this appeal. My PayPal account has been an essential tool for me in managing my finances and conducting online transactions. Losing access to it has caused significant inconvenience, and I would like to see a fair resolution that restores my account 's functionality. I understand that PayPal 's primary concern is to maintain the security and integrity of its platform. However, I respectfully request that you give me the opportunity to clarify any misunderstandings and rectify any potential issues that may have led to this unfortunate situation. I appreciate your attention to this matter and kindly ask that you expedite the review process to minimize any further disruption to my financial activities. Please feel free to contact me at XXXX if you require any additional information or clarification. Thank you for your understanding and cooperation. I look forward to a prompt and positive resolution of this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Call Recordings Attached, history with PayPal attached, and offer that I was denied for that I meant the requirements for. On XXXX XX/XX/XXXX I applied for PayPal Working XXXX XXXX for small businesses. The requirement are as follows : To be eligible to apply for PayPal Working XXXX, you must ( I met this advertisement ) : -Have a PayPal Business or XXXX account for XXXX days or more -Process at least {$20000.00} in annual PayPal sales if you have a XXXX account or at least {$15000.00} in annual PayPal sales if you have a Business PayPal account XXXX - Pay off any existing PayPal Working XXXX XXXX I applied and I was denied even though I mean and superseded the requirements. - I have had a PayPal business account for three years - I have processed more than {$20000.00} in annual PayPal sales and more than {$15000.00} - I have a Business PayPal account - I do not currently have a loan with Paypal at all. I spoke to the representatives from PayPal customer care over the phone on XX/XX/XXXX and XX/XX/XXXX. The representatives said even though I meet all requirements they were still not able to extend the loan to me. I called to find out why asked why ( we record our calls for quality as well ) : 1. The first representative ( XXXX said on XX/XX/XXXX ) said : " You met the minimal to apply, but its declining you because the way the sales are coming in and because you don't have a lot of unique transactions and then goes on to say because my income is different every month even though is met the annual requirements. '' - He then said you are welcomed me to apply to another business loan PayPal Business Loan : This loan had harsher requirements that I would not meet or be able to get approve for or would be very hard on my business. PayPal Business Loan Requirements compared to the loan above : - Lesser loan amount to be approved for. - Weekly repayment terms. - Higher Interest Rates -Harder to get approved for because it had a credit check -Higher annual sales revenue of {$33000.00} required -Longer wait time to be funded -Longer time required as an account Holder. PayPal is directly violating the following as defined by CFPB : -12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) ( please see ) XXXX Special purpose credit programs. - 12 CFR Part 1002 ( Regulation B ) 1002.6 Rules concerning evaluation of applications. ( please see ) ( b ) Specific rules concerning use of information. * Cited from PayPal Working XXXX FAQ : Apply with Bank or other Account Info : ( screenshot attached ) I see an option to share my business bank account information when applying for PayPal Working XXXX. What is this? Your PayPal Working XXXX loan decision and offer are primarily based on your businesss PayPal account activity, including the sales you process through your PayPal account. However, we understand that you may process significant sales outside PayPal. If you choose to share your business bank account information when you apply for PayPal Working XXXX, and if your application is approved, you XXXX receive a higher loan offer based on the additional sales you process in your bank account. * My experience on both calls : Went I applied for this loan the option to provide my Quickbooks account or additional revenue details was never made available to me ( during the loan process or after when I called ) and I let them know this is where the the majority of my income comes from, yet it is available to certain applicants, but not to me. I called again on XX/XX/XXXX and tried to get answers again. 2nd Representative : The system wants to predict sales and he said I also ask to go to the more traditional loans with higher interest rates and a credit check. Supervisor Call ( XXXX XXXX on this day XX/XX/XXXX : Said it was a temporary decline it could change and asked if I saw anything about adding a bank. ( I did not see it ). She too offer the other loan with the higher interest rate and credit requirements. Please listen to the calls and review cited information and thank you.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I transferred {$1600.00} from my PayPal account to my bank. The transfer was recorded by my bank on XX/XX/XXXX but on XX/XX/XXXX this transfer was automatically reversed by the bank due to an account number discrepancy that prevented the bank from accepting the transfer. This can be seen in the attached screenshot from my bank records. The funds have not been returned to my PayPal account nor have they been credited to my bank account. At this time, these funds are missing. I have used the facilities provided by PayPal to resolve this issue. I opened a case with PayPal on XX/XX/XXXX. That case number is XXXX XXXX My case and subsequent appeal has been denied as PayPal has determined that the initial transfer transaction appears to have been completed successfully. On XXXX XXXX, XXXX I obtained the XXXX reversal transaction trace ID from my bank. That number is XXXX. That same day, XX/XX/XXXX, I provided PayPal with this information with the request that they trace the transfer to determine what has happened with the funds. It appears that PayPal did not take investigative action with respect to the additional information I provided nor did I receive any correspondence or contact from PayPal to further clarify the specifics of my case. The additional information I provided was specifically related to the trace number ( # XXXX ) provided by my bank to facilitate research of my banks reversal transaction transferring funds back to PayPal. Funds which have not yet been credited back to my PayPal account. With regard to submitting issues to PayPal through their on-line facilities, I am limited to reporting problems related to transactions initiated from my PayPal account however, my issue is with a bank reversal transaction initiated by my bank. I have no way of identifying this type of transaction from within PayPal 's resolution center. Additionally, I only had one opportunity to appeal or dispute PayPal 's determination and there are no other ways to escalate my case that I have found.
Company Response:
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A