Date Received: 2020-12-18
Issue: Problem when making payments
Subissue:
Consumer Complaint: I am short on funds this month and used Paypal 's Pay in 4 installment loan to pay for a large purchase that could not be delayed. My first payment of {$69.00} went through without issue on XX/XX/XXXX. The rest of my payments were scheduled 2 weeks apart. I like to control my finances as much as possible instead of letting my money being taken automatically whenever possible. My next payment was scheduled on XX/XX/XXXX. I got my paycheck direct deposit on XX/XX/XXXX and used part of it to manually submit {$69.00} for my second payment.I expected my loan status to show 2 of 4 payments complete but instead it showed 3 of 4 with one remaining. I was charged for an extra payment I did not authorize Paypal to make a seond payment on the XXXX. I spent the next day leaving messages to paypal 's customer service because Live chat was no available. I was repeatedly told it could not be reversed and nothing could be done even though I did nothing wrong. All I want is my {$69.00} back so that I can pay another bill this week. I would then pay the 3rd payment on XX/XX/XXXX as planned. Paypal is forcibly denying that normalcy due to their failure to properly charge me only once. Paypal does not even let me claim a problem with the transaction through thier own Resolution Center. It instead offers me a link to look at the User Agreement. I looked over the agreement but could not find any section that shows Paypal is in the right here, but to contact the Resolution Center if there an issue. The company is sending me in circles in order to fix thier own mistake to give back the moeny they stole from me. I have also disputed this with my bank but have not yet heard a final response from them.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I created my Paypal account on XX/XX/2020, to sell two items I had, on XXXX. My first item sold on the same day XX/XX/2020, I received the payment from the buyer to my Paypal account and I shipped the item the next day via USPS, the buyer received the item and was very pleased with his purchase! The second item sold on XX/XX/2020, and the funds were immediately transferred to my Paypal account, and I shipped the item to the buy the following morning through XXXX and updated the buyer with the shipping status and the tracking number. I understand XXXX and Paypal each have a money hold policy of approximately 30 days. I received an email from Paypal Tuesday XX/XX/2020, saying that I can no longer do business with PayPal along with a reference number, and a brief ( and insufficient ) explanation " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using Paypal ''. I reached out to Paypal customer service via phone this morning XX/XX/2020, to be told by the agent that Paypal was indeed going to be holding on to my funds for at least 180 days. I asked her why, and she couldn't or wouldn't give me any details ; only saying that their security team identified my account as a potential risk. The agent would not allow me to speak with a Supervisor.
Company Response:
State: WI
Zip: 53090
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Other service problem
Subissue:
Consumer Complaint: This is not a duplicate complaint, but I filed a complaint here, requesting to be contacted by PayPal Support. I have attempted multiple times to use their 'Message Us ' option provided on the website, but it does not allow me to ask a specific question, and so there is no way to leave a message there. I could not find an Email address to attempt contact that way. If I call the number provided, no human beings answer, and it is just an automated recording telling me there is nobody to help me, and then hanging up. From what I have gathered fro others, leaving a message on either XXXX, or XXXX, never gets a response. So, I am at a loss of how to contact PayPal Support, if there is any way to reach a live PayPal agent anymore.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: During the XXXX XXXX Friday ( XX/XX/XXXX ) sales, XXXX had a sale for Pro memberships at a discounted price. The website had two options for payment : entering card information into the website itself, or using the Paypal service to complete the transaction. Shortly after adding my Visa Credit Card ending in XXXX, that card was set up as the preferred payment type. The card had the full credit available to cover the {$110.00} USD that was to be charged to that Credit Card. I had assumed that the transaction had processed correctly since I had access to the Pro benefits on the XXXX website, and PayPal had not given me any notice of error charging my Credit Card. I checked my email the following morning, and that is when I noticed the charge had been forced on my Checking account ending in XXXX as an ACH draft, rather than the Credit Card that I had as preferred payment method. I checked the PayPal website, and Transaction ID XXXX showed the Checking account as used for the transaction, yet if I am to visit my Account AutoPay at XXXX : XXXX ( with the last part XXXX being the PayPal Billing ID ), the payment method shows my saved Visa Credit Card ending in XXXX. On XX/XX/XXXX, I contacted Codecademy Support to have this issue rectified. I provided an attachment showing the charge and the AutoPay screen for their transaction, but they told me to contact PayPal directly on XXXX XXXX. I opened Dispute Case ID XXXX on XX/XX/XXXX, with the transaction attachment as well as a PDF copy of my conversation with XXXX. On XX/XX/XXXX, I received an email that PayPal had denied my case. There is no electronic way to see a copy of the documentation we used in the investigation of your case. Because PayPal Messages DO NOT have full date-and-time stamp information that the customer can see on the PayPal website or Mobile Application and there is NO acknowledgement notification that PayPal received the message, and based on time email notification was received and time XXXX XXXX, the first PayPal representative that replied to my message, responded to my message, I finally started a conversation about my issue on or about XX/XX/XXXX via PayPals Message Center. They deny all wrongdoing on their part. Instead, they first deflected the blame to XXXX as [ I ] t might have been the merchants preference when they set up their website. You can contact them to check this out and confirm this. When I provided an attachment with the email reply received on XXXX XXXX, a different PayPal agent by the displayed name of XXXX replied, [ f ] rom reviewing your account and weve reviewed the details of your case, and based on the information we have to date, we have denied your case. This decision was made because our records show that this transaction was processed correctly. This was after XXXX XXXX had agreed that the account was set up correctly however the charge was made to your bank account. I asked to have my issue escalated, and a third PayPal agent with display name of XXXX XXXX denied wrongdoing by PayPal, suggesting that if you feel that this isnt fair for you, I highly recommend that you contact your bank and continue this case directly with them. She also indicated steps to change preferred payment method, and steps to update payment methods for billing agreements ( once again, I had already provided evidence that the transaction should have been processed as I requested and that the Visa Credit Card ending in XXXX was already set up that way for the charges from that merchant ). After asking for my situation to be escalated again, PayPal closed my message chain without notification that communications had been closed on or after XXXX XXXX ( since my last email notification that a message was waiting in the Message Center was XX/XX/XXXX at XXXX XXXX, and my second request for escalation has a time-only stamp of XXXX XXXX ). Thats where the situation stands as of XX/XX/XXXX. I feel deceived and harmed by PayPals decision to : ( a ) fail to provide notice that an error had occurred, if any, during my transaction that would have otherwise allowed me to make a sound financial decision on how to proceed with my transaction ; ( b ) create an ACH draft and collect from an account not assigned for the transaction by assuming authorization from the consumer without explicit consent from the account owner ; ( c ) fail to provide an efficient and accessible method of receiving dispute documents when their only option for disputing transactions on their website is electronic-based ; ( d ) providing a slow, confusing, and unhelpful messaging system as the only method of communication with a representative in order to receive direct feedback on an issue and not providing notification that PayPal had chosen to cease communication with a customer ; and ( e ) ignore evidence provided of PayPal error, dismissing any fault or error, and failing to provide means of communication to a supervisor or escalation method.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. For your immediate attention and compliance XXXX XXXX
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was attempting to transfer money I had in PayPal and ended up calling the number ( XXXX ) XXXX and in the middle of the conversation I was called by another number XXXX and told me to download the app XXXX XXXX and were able to see what I was doing on my phone and reviewed my PayPal account to verify if it was the right account, then told me to go to my bank account and told me to press on " send now money with XXXX '' and wanted me to press on send and wanted me to type this XXXX " XXXX '' and told me to go to my XXXX XXXX account and wanted to see my bank information in XXXX XXXX and later I called the original PayPal number and told me it was a scam from possibly XXXX because they sounded like someone from XXXX and I changed all my information as fast as possible.
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: i was sent money on pay pal XXXXt+hey limited my account and wont let me/ transfer money out until 180 day in the amount of {$1200.00} on XXXX XXXX i have called several times to get funds released but they keep telling me the same thing
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I sold an item through XXXX XXXX global shipping program. Shortly after it was shipped and tracking was provided - the buyer opened a paypal dispute because she changed her mind. The disputed stated item was not received. This dispute was a violation of ebay policy as well as abuse of the paypal dispute process. The item was delivered and XXXX is still holding funds because a dispute is open. The buyer is the only person with the power to move forward and is refusing all routes that would effectively close this and release funds. I've contacted the XXXX XXXX police department and advised this is either fraud or XXXX XXXX. XXXX is unable to act due to a dispute and the transaction has been linked back to XXXX XXXX - through a Paypal Mastercard. I've advised the bank on XXXX yet they are unwilling to provide any information or acknowledge possible abuse of their credit tool. Please step in and regulate the bank accordingly as there is evidence of ill behavior related to an international transaction that traces back to this bank. I've read this complaint on a recorded line to XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Customer Service Senior Manager ) XXXX
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am a retired court reporter. I sold my 'writer ' online and the buyer paid through PayPal . The amount is {$3200.00}. This amount is unique, as most of my PayPal transactions have been for amounts less than {$100.00}. PayPal refuses to release the money! They are 'investigating ' and have interviewed me twice to explain my transactions. I know they have to guard against fraud, but I AM NOT A DRUG DEALER! This delay has been going on since XX/XX/XXXX. My question is, what is PayPal doing with my money in the meantime? I know banks make money on the 'float. '
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A