Date Received: 2021-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. The following inquiries are impermissible : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XXXX 3. XXXX, XX/XX/XXXX 4. XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX/ XXXX, XXXX XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX- XXXX XXXX, XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX - XXXX XXXX, XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX, XX/XX/XXXX Please remove these inquiries from my credit report immediately. Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. Thank you for your prompt assistance with this matter. Sincerely XXXX
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This Complaint is against the Financial Bank Institution PayPal, which is supposedly a 3rd party funds transaction company for XXXX Back on XX/XX/XXXX - I sold an item on XXXX, paypal said sent me an email that they had the funds and for me to ship it. So I purchased the USPS shipper through XXXX and boxed it up and shipped it to the buyer at his requested address on XX/XX/XXXX. Since I purchased the shipper through XXXX it automatically uploaded the USPS Tracking number immediately onto the XXXX site where the Buyer and Seller were emailed a copy that the item was shipped. The buyer lived relatively close within 50 miles so it should have been delivered within a day or two. I emailed the buyer that I could only put a tracer on it and USPS never responded, so I did two more times without a response, I suggested to him to go to his Post Office a couple of blocks from his house and talk with the Post Master to find the package it was delivered to there are that was the last tracking to that address - so it had to be there. But I guess he figured it was easier for me just to pay {$700.00} + out of my own pocket and take the hit. Sellers on XXXX can not get paid until an item is delivered, so I tracked it through the USPS a few days later as the seller did, it showed tracking progress to the buyer 's local Post Office within a couple of blocks from his house but the tracking stopped - this went on for a month or so and USPS never delivered it. The buyer elected Not to pay the extra couple dollars for Postal Insurance, so I could not put in a Claim - it was up to the buyer. Since paypal was holding the buyer 's money is basically an escrow account, the buyer put in a claim that he didn't receive the product and he wanted the money refunded. Him being too cheap to buy the insurance that would have protected him from a shipping loss, he expected me to take the total loss off {$700.00} + the {$40.00} of shipping I had to pay. So first he put a claim into XXXX, and they investigated it and ruled that the seller packaged it up and provided tracking # and shipped per his instruction with no shipping insurance. So after that pay pal released the money to my account, and then before I could transfer it out - they put another hold on my funds because the buyer then put in a claim to pay pal. So then they had to do an investigation which eventually came up with some outcome that XXXX did that I the seller did everything by the book. So then the buyer put in a claim to his bank that funded his money to pay pal. I had to do several follow-ups with XXXX & paypal, on the Sellers Guarantee below? " PayPal Seller Protection covers you in the event of claims, chargebacks, or reversals that are a result of unauthorized purchases or items your buyer didn't receive. ... With PayPal Seller Protection, you may be covered for the full amount of all eligible transactions. '' This all took months - and finally, pay pal, XXXX, and his bank all came to the same conclusion that I shipped as per his instructions, USPS lost it and he would have to take it up with them. So XX/XX/XXXX pay pal again released my funds most of it, they didn't pay for the {$40.00} of shipping, I was tired of the runaround and just withdrew the remaining. So today XX/XX/XXXX - paypal sends me the email below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your buyer 's financial institution has informed us that the following case has been decided in the buyer 's favor. Here are the case details : Case ID : XXXX Buyer 's name : XXXX XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$720.00} USD Disputed amount : {$720.00} USD {$720.00} USD has been debited from your PayPal account because of the following reason ( s ) : We were unable to verify the delivery information you provided. In addition, you have been debited a {$20.00} USD chargeback fee. We understand that you may not have been expecting this chargeback. If this debit has made your PayPal account balance to go negative, please log in to your PayPal account and add money to your balance. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our Business Resource Center. Thanks, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- So, again paypal is been beyond unscrupulous with their business practices, taking and adding money and charges at will - they are Not following their own published policies on - exactly what transpired. So just like the buyer too cheap to buy insurance in case something happens, that is what insurance is for, and pay pal same thing if they ended up refunding the buyers money that is on them, again I did everything to the letter + this falls under Pay Pals guarantee as well as XXXX - yet they are trying to collect money from me and if I don't pay that they will report it to all 3 Credit Bureaus that I'm not paying my bills - ruining my perfect credit rating
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX was taken from my PayPal account wrongfully using my debit card. PayPal had seemed my case not unauthorized, but they are wrong. I would like my XXXX back.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Paypal promoted an offering through XX/XX/XXXX that if users spent $ XXXX at select merchants, they would received a {$25.00} bonus " approximately five ( 5 ) to seven ( 7 ) business days after verification of Eligible Purchases '' Attached, please find that I completed those three purchases on Paypal to XXXX on XXXX. I have yet to receive a bonus despite clearly meeting the requirements. I've attempted to correct this with both twitter and paypal correspondence. On twitter, the response was " I am not able to review a customer 's PayPal account and then discuss any details here due to security and privacy rules, I would not be able to determine a specific reason for why you did not receive a reward '' ; on Paypal help, my inquiry was simply closed without any response at all. Further, Paypal never revealed officially that they reached their stated limit of XXXX offers. However, they promoted this offer as late as XX/XX/XXXX on social media ( see image attached with promotion and timestamp at bottom of phone screen grab ). After reviewing comments on XXXX and on other financial oriented sites, it seems I and perhaps tens of thousands of others were enticed into using paypal by a promotion Paypal XXXX have known had reached its limit but continued to promote anyway. Here is the text of the disclaimer that was in the offer I responded to. *Terms and Conditions Offer Period : Starts at XXXX XXXX Eastern Time ( ET ) on XX/XX/XXXX and ends at XXXX XXXX ET on XX/XX/XXXX ( Offer Period ) Eligible Participant : Open only to residents of any one ( 1 ) of the fifty ( 50 ) United States or the District of Columbia who : ( 1 ) have or open a U.S. personal ( including PayPal, PayPal Cash and PayPal Cash Plus ), premier or business PayPal account ( Valid Account ) ; and ( 2 ) are eighteen ( 18 ) years of age or older ( Eligible Participant ). Reward : Once the steps described below are completed and verified, Eligible Participants will earn the {$25.00} USD cash ( Reward ). Reward will be added to the Eligible Participants Valid Account within approximately five ( 5 ) to seven ( 7 ) business days after verification of Eligible Purchases ( defined below ), but may be available sooner. Rewards are only available to the first XXXX Eligible Participants to successfully redeem the Reward and will no longer be awarded once the limit is reached, as determined by PayPal in its sole discretion. There is a limit of one ( 1 ) Reward per Valid Account. You need to have a PayPal Cash, PayPal Cash Plus, or business PayPal account to have a balance. If you do not have or open one of those accounts, you can only transfer your Reward to your bank account or debit card linked to PayPal. Eligible Purchase ( s ) : Purchases of {$35.00} USD or more made at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX ( including purchases at XXXX XXXX, XXXX XXXX, XXXX XXXX, but excluding XXXX XXXX ) ( collectively, Participating Merchants ) in USD using a Valid Account during the Offer Period ( Eligible Purchase ( s ) ). Eligible Purchases do not include : ( 1 ) send/receive money transactions ( including those marked as a Goods and Services payments ), ( 2 ) charitable donations, ( 3 ) purchases made using PayPal.me ; ( 4 ) PayPal Cash Mastercard, PayPal Cashback Mastercard, PayPal Prepaid Mastercard, PayPal Extras Mastercard, and PayPal Business Debit Mastercard purchases made using the card directly and not through your Valid Account, and ( 5 ) in-store purchases at Participating Retailers. If an Eligible Purchase is returned, refunded, results in a failed capture, or otherwise does not complete during the Offer Period, that Eligible Purchase will not qualify toward earning the Reward. How to Qualify : The are different ways to qualify for this Reward depending on whether the Eligible Participant has an existing Valid Account or opens one during the Offer Period : Eligible Participants with Valid Accounts as of the start of the Offer Period must activate the offer as described in the invitation to participate and, then, make three ( 3 ) Eligible Purchases. Eligible Participants who sign up for Valid Account during the Offer Period must then make three ( 3 ) Eligible Purchases. Signing up for a Valid Account is subject to verification by PayPal. Miscellaneous : Valid Account must remain in good standing from the time of participation through Reward fulfilment to redeem a Reward, as determined in PayPals sole discretion. PayPal may provide an alternate reward of equal value if it is unable for any reason to fulfill the Reward. PayPal reserves the right to cancel, suspend or modify this offer in part or in its entirety at any time without notice, for any reason in its sole discretion. Similar offers may run at the same time ; qualification for this offer does not constitute qualification for any other offer. PayPal is not responsible and/or liable if any e-mail, Reward, Eligible Purchases, or offer-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participants e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without participant giving prior written notice to PayPal. Offer is void where prohibited and if Eligible Purchases are fraudulent, abusive, not completed through legitimate channels, or irregular in any way. Certain offers may not be transferable. Participation is subject to the PayPal User Agreement. Any questions relating to the offer will be resolved in PayPals sole discretion and its decisions related to the offer will be final and binding.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/XXXX my PayPal account was hacked and 2 of my checking account are now compromised! I have XXXX for those account and they have been working with to resolve the recurring charges! The main problem I have no way of contacting PayPal I can't do it through their site but all my info on my PayPal has been changed and my info is gone! A few week back I got an email from PayPal that I added a new email? I tried to contact them abought this and never spoke to anyone! it is now XX/XX/XXXX I have called every day since XX/XX/XXXX except for XXXX and XXXX XXXX 's day! I get hung-up on every call! I have no way of contacting them about canceling everything! the charges keep coming!
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2020 someone stole my idenity ( via a stolen cell phone, that had been stolen earlier in the year ) and used to fraudulently steal considerable amounts of money from my online accounts, and make several unsuccessful theft attempts ( including on my XXXX and XXXX account. ) Specifically Paypal allowed the criminal responsible to make several fraudulent transactions totalling {$1600.00} on my account. I reported this to Paypal on the XXXX XXXX when I discovered the fraud, as well as to my bank ( who were able to prevent the fraudulent ). Since then I have repeatedly told Paypal that I am not responsible for this fraud ( and sent them the associated police reports, attached ), but they continue to attempt to collect the fraudulent amount.
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: PayPal has a very confusing dispute resolution process that invites user error and breakage into resolving transactions through their service. I used PayPal to purchase a subscription service. I only used my PayPal account as the point of sale administrator and used my credit card, linked to the PayPal account, for the funds. I ended up not needing the subscription and received a refund from the merchant. However, there were 2 transactions. One for {$170.00} and one for {$49.00}. The merchant refunded the {$170.00} transaction but did not remember to refund the {$49.00} transaction. I then opened a dispute with PayPal for them to resolve this situation. I then received emails stating that my dispute will close on a certain date as the merchant has not responded. This made me think that i would be refunded. I even called into the IVR, as I could not reach a call center rep, and it stated that if the merchant does not respond that the dispute will be closed. The date came around and I received a message stating that the dispute had been closed and could not be re-opened, yet there was no refund on my PayPal account. I called customer service at PayPal and, after 40min in queue, I reached a rep that stated that I ( the customer ) am supposed to call into PayPal and re-escalate the dispute to a claim when the merchant does not respond. I said I tried all of that prior to opening the dispute. They explained that it was the customer 's responsibility to open a dispute, work with the merchant, then call PayPal to escalate it to a claim. This is confusing and seems to try to get PayPal off the hook to handle these disputes. It also keeps the customer misinformed about the dispute/claim process so once they do try to get an update on progress, it may be too late. I've worked for many financial institutions where these types of practices would be examined by regulators. I would be embarrassed by this process. Wanted to pass along my experience.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: The IRS stimulus was sent to my PayPal. I have proof. The first one went fine. The second one- they wont answer me where it is or why its not posted. Ive verified the info for deposit is correct. The money is missing. The people arent in the United States and give no answers. This isnt just happening to me. Its to many.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sent {$300.00} to my son on XX/XX/2020 through Paypal. My sin never received the money in his account, but it was withdrawn from my bank. I sent another XXXX to him through another email that went through and he received. I have messaged, emailed and written 3 letters to Paypal. I have called Paypal but get a message saying they are too busy and it hangs up. Paypal will only tell me the money was sent, but not where it is. My son has checked both his Paypal and bank accounts and the money was never received by him. I am trying to get the money back, but Paypal has been less than helpful in resolving this issue.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I opened Paypal years ago, I used it to buy things on ebay and what not. Friends would send money and I to them. The problem occurred in XXXX, 2020 when they closed my account and limited it permanently. They stated they were going to hold my money for 180 days. In fact, every account, including a club account that I opened for the treasurer as she didn't know how, they closed that. The problem is that I checked today, XX/XX/XXXX, and it states they transferred the account balances ( over 1K ) to their own accounts. I was told at 180 days they would release the funds to transfer out. This never occurred. They stole the money. I have read multiple people this has occurred with which are friends on XXXX. They never got their money back. I am sick of the tactics Paypal is using to steal people 's money based on some stupid acceptable uses. The only use you can do with Paypal based on their terms is buy using Paypal. I have a business account and I can't even access that account.
Company Response:
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A