Date Received: 2020-12-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I fell for a scam yesterday apparently on XXXX. There was a post to drop if you interested in getting money to comment on your XXXX XXXX or paypal information in the comments. I dropped my email in the comment and I got a XXXX message from someone named XXXX on XXXX. She sent the breakdown and sent {$100.00} and you will receive {$1200.00} in return within a few minutes. The lady I was chatting with on XXXX I believe her name was XXXX and she sent pictures of successfulXXXX XXXX and posts and messages from others that had gotten funds immediately. Well. I sent {$100.00} ( see the transactions below to where the money was sent on paypal ) so I could be blessed with {$1200.00} and that was a process. Then after I sent the money I get this email from XXXX : XXXX XXXXThu, XX/XX/XXXX, XXXX XXXX ( 18 hours ago ) tome {$250.00} is your tax payment fee and thats all you need to pay before your payment hit. And the {$200.00} will be refunded on your payment and youll get {$2000.00} in the next 3min after your payment is confirmed. The {$50.00} deducted is the government tax payment fee I replied back to the XXXX chat saying I did not have {$250.00} like that. So I sent {$50.00}. Then from there the person I was chatting with on XXXX ( XXXX I do believe her name was ) asked for my XXXX login credentials and ID and from there I can not get logged back into my account on XXXX. I have sent emails to the email provided in the paypal see the information below. I got responses back and text messages that they were refunding the money but it has not come to paypal account yet. See attached pictures. I filed a resolution on paypal and it was cancelled and I still have not received any refund back on my {$150.00}. I'd like to know what is going on and how to get this resolved to get my money back. I am on XXXX and I thought it was going to be a real thing but apparently these are people taking advantage of people, especially at the holidays. The paypal email address is saying they are trying to help but I am not seeing any funds coming to my paypal account.. I get an email this morning from the XXXX XXXX with the following emails between them and myself. ( no subject ) Inbox XXXX XXXX XXXX ( 7 hours ago ) tome From company pay we sorry to delay your payment please give us three days you will receive your payment dont be skeptical on this we have system error you will receive paid with {$1200.00} thanks you foryour understanding. XXXX XXXX XXXX ( 4 hours ago ) toXXXX No!! I want my money back of {$150.00}, crazy!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 4 hours ago ) tome We are sorry for delay your paymentwe are still working on it bc there are a lot of payment going onright now, You have to wait till your turn because company make the payment batches by batches youll need to be patience for like four day thanks for yourunderstanding XXXX XXXX XXXX ( 3 hours ago ) toXXXX No, I want a refund of my {$150.00} because this is all a scam!!! Once I gave my XXXX login credentials I got totally locked out of my account. I have no access to my XXXX account!! I'm on XXXX and that was the last of my money!!! The XXXX XXXX is getting reported!! I'm on XXXX and that was the last of my money I sent. I'm very frustrated!!!!! I'm sending you a PayPal request for my {$150.00} refund and if I don't have it soon, you are getting reported. Trying to scam people and at the holiday!!!! Totally insane!!!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You have nothing to lose on it youll got your payment within three dayAccept our Apologize XXXX XXXX XXXX ( 3 hours ago ) toXXXX That is not what I want!!! I want my money back today!!! TODAY!!!! I'm on XXXX and that was the last of my money!!!! I can't tell you how disappointed I am!!! If it's not refunded by XXXXtoday I'm contacting local investigation!!! Scamming people at the holidays and I wonder how many others you scammed!!!! I can't wait three days refund my money of {$150.00} now, today!!!! Or likeI said I'm contacting local investigation. In the meantime you are getting reported to XXXX. XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You just need to understand me clearly on thisYou will get your payment not your actual money we have get the payment ready for you but you need to wait so we can get the payment out for you XXXX XXXX XXXX ( 3 hours ago ) toXXXX This is the last time saying no I am not waiting!!!!! Today, XXXX!!! Point blank, period!!! I'm contacting investigation services!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 3 hours ago ) tome You can contact any body then the company will defend their selfI have tried enough explaining to you XXXX XXXX XXXX ( 3 hours ago ) toXXXX You all don't even come up as a company. Send me links to your website and XXXX page. Bythe way whoever I was communicating with on XXXX about this ( XXXX ) once she took my Id and login in credentials I am locked out of my XXXX. I'm not happy about that either!!! Crazy insane!! Scamming people at the holiday!! XXXX XXXX Sent from XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) toXXXX Please send me your website and XXXX page.Also, send me the name of the lady I was chatting with on XXXX ( XXXX ) XXXX I don't know what these people are up too but conning people to get money from themselves. It's a scam and I would like every possible way to at least get my {$150.00} back, that is all I had and I thought I was really going to be blessing someone but apparently not. I need my money back ASAP. I have bills to pay and things to get. I am on XXXX income and highly upset and frustrated. So I need help.Also, the person I was communicating with on XXXX her name was XXXX -- -I believe whoever she was working with changed my XXXX password, email, and everything that I can not get logged back in on facebook.I don't know what kind of action needs to be done. I want my {$150.00} back with no ifs, ands, buts, maybe, wait 3 days, etc. Again, I am on XXXX and this was the last part of my money for the remainder of the month because I thought I was going to be blessed within five minutes. I want everyone involved in this scam to be under investigationand I want my money back. Transactions not refundedWe have been unable to provide any refund on the transactions listed.XX/XX/XXXXXXXX Sent- $ XXXXTransaction XXXXSeller informationXXXXXX/XX/XXXXXXXX Sent- $ XXXXTransaction XXXXSeller informationXXXX XXXX
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I made a purchase on XX/XX/XXXX for {$69.00} through a vendor ( XXXX XXXX ) that promised ( and still promises ) expedited 3-7 day delivery for customers in the United States and XXXX. I paid for the product through PayPal. After a few days without a product update, I contacted the vendor for a product update, but the email they had provided bounced back. I followed up with PayPal, who opened up a dispute, followed up with the vendor themselves, and promised to automatically resolve the dispute in my favor if I did not receive the product by XX/XX/XXXX. On XX/XX/XXXX, I followed up with PayPal to notify them that I had not received the product and to ensure they resolved the dispute in my favor. Instead, they told me they could not refund the amount I paid because their policy is to wait 20 days after any movement of the product. Between my initial outreach and XX/XX/XXXX, shipping information was made available for the product ( on XX/XX/XXXX ) and so PayPal now said that I had to wait 20 days from XXXX XXXX before I could get a refund. They asked for me to wait an additional 7-8 days ( after XXXX XXXX ), which I did. As of yet, I have not received the product. The 3-7 day expedited shipping is clearly not being provided. PayPal continues to tell me they can not return my funds, despite the fact that the vendor has not provided the product in the promised timeframe, and PayPal has not resolved the dispute in their promised timeframe.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I ordered an advent calendar from the company XXXX for {$43.00} on XXXX, 2020 using PayPal , Transaction XXXX. I have not received the advent calendar and the several attempts to contact the vendor is responded with an obviously bogus tracking number. I had requested my money back and they list a money back gaurantee on there site. The reviews for this company all list the same experience and it is very apparent that it is a scam.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX for an amount owing paypal of {$60.00}. I contacted pay pal because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good day, during the XXXX weekend, the XXXX that me, my wife, and XXXX children ( XXXX, XXXX, and XXXX months old ) worked very hard to figure out how to make a large impact with our XXXX. We figured out a way to make a lot of sales during the week, and were excited about our new found success. During this time, PayPal decided to put a lock on my wifes PayPal account. The reason was that there was an account that I owed money on. I had used PayPal for a previous XXXX, and I owed them as the account went into the negative somehow. I was wrong for not handling the account properly at the time. I was in a bad spot, and my PayPal account had been an added debt on my end and I never heard from them, so the debt definitely slipped out my mind. So when PayPal saw that money was coming in at a faster pace, they held {$7100.00} of our money since XX/XX/XXXX. They felt that theyd found information that linked my account to my wifes account. They froze her funds, that had nothing to do with my old account, and demanded that I pay my debt, before they allow her to use the funds that we had earned during that weekend. We were using that money to finally spread some cheer to our family during a very difficult covid period where we are in California, away from family. They required payment, and we made the payment to the collection agency that they sold my account to. And then this is where the real problems begin. On XX/XX/XXXX, I make my payment to XXXX XXXX. I pay the debt in full, hoping that PayPal will receive information confirming the debt was paid. They will not remove the block on the account. They are using tactics that are completely unfair to hold funds that my family has earned. We emailed the paid in full letter to PayPal because they have said repeatedly that they have not gotten any confirmation from XXXX XXXX. Ive called PayPal many times. Each time, they bounce me around from department to department. They tell me that limitations is the only department that can help me. Then limitations department say that the collections department is the only one that can help me. Each department comes with a hold time of 90 minutes per department, per call, and nobody will help me. I have sent the paid in full form to XXXX and have been confirmed 5 times that it was received by various methods. I have also faxed, and uploaded this form to their systems. They confirm receipt but still do nothing to unlock our account. They have a reputation for having done this to many accounts Ive found. I have had to call and sit on hold so many days and have received little to no assistance. On Monday XX/XX/XXXX, I spoke with a supervisor in the limitations department after the initial operator said they could do nothing to help me. The supervisor received my letter of payment and told me she submitted it to be verified and that in 10 hours, my issue would finally be resolved. And it wasnt. They wont refer to any notes on the account, or previous representatives to get to the bottom of it. Instead they continue to hold our funds hostage, even though the debt has been paid for almost a month. We had a supervisor from collections on XX/XX/XXXX, hang up on me because Id called him Bro. I admit that it should not have been the word choice, but I didnt mean it disrespectfully at all. I was attempting to show that I was human, and trying to have him level with me. He did not like that and XXXX, operator XXXX hung up. And then when he called my wife XXXX back, he attempted to help again by opening a case on the verification process for the form we sent in. When she asked him to speak with a different supervisor as he would not fulfill our request to have the paid debt removed ( he works in the collections department ) he hung up again, citing that we had received 3 strikes. Requesting to speak to someone else is a strike in their culture is a strike. Standing up for yourself when a supervisor at a place you do business with, is a strike against you. This supervisor literally told me that he doesnt have to help me and that by staying on the phone as long as he had was not something he had to do. He may have been having a bad day, and I understand that we were on the phone for a long time, but at that point, I was on the call for 3 hours and 58 minutes. The culture of this company is poor, and we have never been so humiliated in our lives. We wanted nothing more than to have the account reopened as we handled the issue that I created by not having paid my account up. Now they are also saying we have to provide new information on our social, which is fine, other than the service doesnt interrupt over this. We cant even do anything because theyre holding ALL of our funds. As a business, we have been unable to access our funds since XX/XX/XXXX, and are desperate to have the funds released as we paid our debt. I called XXXX XXXX with PayPal XXXX on the line and their supervisor XXXX said that to his knowledge, once a company sells a collection account to them, they no longer have any access or claim to it. Instead, PayPal is using bullying tactics to do all of everything else they want, which prevents them from being accountable. Its 2021, and theyre claiming that they cant even see the payment was cleared. Which shouldnt take two companies 21+ days to confirm. Please help us!
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to PayPal , Inc . I have never used a PayPal account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Dear Sir / Madame, I have had the most horrible experience with Paypal in the past months.I opened an account recently to make a funding to a forex broker thinking this would be a more efficient method than making a wire.I opened and set my account to EUR as primary currency. I linked my debit card and proceeded to make the transaction on XX/XX/XXXX, XXXX All went smoothly without a hitch. I did not see anything out of the ordinary until I got my bank statement. To my horror the transaction to my debit card / bank was in CHF which triggered a conversion with my bank that cost me 4 %. Then that CHF was itself converted by Paypal to EUR to make the payment of XXXX EUR to the broker which itselfcost me another XXXX EUR ( close to 5 % of the total ) .I asked why I was not warned or prompted in any way. I got multiple responses with a number of blatant lies. Some of the lies were " your bank reported your card as a CHF card '', or ( even worse ) " you set it to CHF ''. I checked with my bank and they denied they had anything to do with this nor that they were asked for any info, and I know I certainly can not specify the card currency as I double checked by adding a new card and there was no way to specify currency. When I confronted paypal staff with this they then admitted Paypal set this to CHF just because I live in XXXX. Now that is fine but the problem is Paypal does not notify me when they did that nor was their any warning when initiating or completing the transaction that was invoiced in EUR. There was no warning about conversion rate or cost or anything of the sort.Essentially I wound up with close to XXXX EUR cost in just this one transaction just because Paypal does not bother to warn of this.Even worse now I'm being told that I have to withdraw the EUR in my account ( which was returned by the broker ) as CHF - essentially triggering another 10 % cost of withdrawal.The absurdity of this situation bears no mention and I won't stand for it.I am asking for some sort of abatement / adjustment as none of this was my fault yet I wound up paying for this.I also need some sort of solution for returning my money to my bank in kind. I hold a EUR account and not CHF. And I will not accept another 10 % being taken from my money.I await your response on these 2 matters.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a XXXX days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner/ attorney general office in every district to help me resolve this issue I did nothing wrong. PayPal Reference ID : XXXX
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I would refer to the attached documentation, when able, as I have been as thorough as possible. Even after being as diligent as possible in preparing this complaint, however, I realized I had missed several emails in regards to the dispute involving an unauthorized withdrawal to the PayPal Giving Fund. Thus, I want to make very clear -- I am very confused and very frustrated with the actions of the relevant parties, which provide the basis for this complaint. I have not received even a semi-plausible explanation for how my authorization to donate {$1.00} to a world hunger organization resulted in {$48.00} being deducted from my checking account, during a span of time I needed it most. I have been given different, and conflicting, and arguably suspect, explanations by various representatives of PayPal and, at this point, I am honestly disgusted. Their reputation as far as credibility is non-existent to me as of the date of this letter, although I have been a long-time, loyal, and responsible consumer. As far as who ended up with, and still possesses, my money -- I just don't know. I realized just earlier today that the dispute I opened re the transaction is apparently with the PayPal Giving Fund. I fail to understand how PayPal is unable to resolve a conflict with their own ... with someone associated with their own company 's name. On XXXX/XXXX/2020, a PayPal customer service representative blamed XXXX for the THEFT. On XXXX/XXXX/2020, a credible and extremely helpful XXXX representative dispelled that falsehood. Yesterday, I had my most disappointing, and arguably disturbing, communication with PayPal CS yet. After giving me the run-around for over 10 minutes, this representative insisted {$48.00} was deducted because I had a negative balance in my PayPal account of {$37.00}, due to the XX/XX/2020 XXXX payment apparently never being fulfilled. It is very difficult to provide a complete documentation of all relevant facts, dates, amounts, etc., when the very individuals who claim, who are employed, to " serve '' or help the consumer, are dishonest and/or opaque. The long wait times, and wondering, like yesterday, if a supervisor was actually even available or would ever come to the phone do not help.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A