Date Received: 2020-11-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: A payment of XXXX was deposited into PayPal account and they have denied service to me and are holding my money for 180 days. They gave no reason.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 3. I still have not received any emails or guidance on how to access my balance. 4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer. 5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP.
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account. The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void. PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success. PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active. The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sold a oriental antique rug 10x12 on XXXX. The gentleman was sending the rug as a gift to his cousin, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. He was known as XXXX, Phone # XXXX. He offered me : {$14000.00} for the rug plus {$600.00} for a {$500.00} gift card and {$10.00} for handling. I went out and got the {$500.00} gift card. He wanted me to scratch the back of the card and take photos of the front and back and send the pictures to XXXX. So, I did that and got a pending funds alert saying " Hello, XXXX XXXX XXXX '' XXXX XXXX send you {$15000.00} USD, Payment still on pending. You have a pending fund of {$15000.00} USD from your buyer XXXX XXXX. We would like to inform you again that the payment sent from XXXX XXXX not reflected in you PayPal account due o our terms and policy to confirm the XXXX Gift card of {$500.00} with the receipt and back codes from you so that we would be able to credit your PayPal Account because your money was place on pending by us for security reason. Status of Pending Funds : 95 %, Details of Transaction : Transaction id : XXXX, Transaction Amount : {$15000.00} USD, Case # : XXXX. Special Note : This payment will appear in the Activity section of you PayPal immediately you send us the pictures of the XXXX Gift Card of {$500.00} with the receipts pt and Back Codes from you so as to verify it on our XXXX and release the fund into your PayPal account immediately. We are truly sorry for the inconvenience we may have caused you. We are doing this in order to protect the buyer and the seller for a smooth transactions. I bought a XXXX Gift Card and put {$500.00} on it. They later also wanted me to get a {$200.00} XXXX gift card. When I saw that, I used the XXXX Gift Card for gas. There was {$500.00} on the card. But after I purchased {$14.00} of gas. It said there was a Rem Bal : {$290.00}. I only took {$14.00} off the card. Someone charged {$190.00} on the card. Maybe it was the people at the XXXX. If this service has my money, why aren't they putting my money in my XXXX paypal account? Am I being scammed. They guy that I was texting back and forth at XXXX is in the XXXX and it happened on XXXX, XXXX XXXX. So, was I being scammed. I got a message from XXXX saying XXXX made me an offer which I accepted. He sent me money. The amount we agreed on was {$15000.00}. He used a paypal service : XXXX. I believe I jumped through the hoops. Now, where's my money. I haven't sent out the item.
Company Response:
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud. PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX I purchased online goods from XXXX. I returned the goods via XXXX XXXX XXXX and XXXX on XX/XX/XXXX. XXXX confirmed they received the returns and completely refunded PayPal XX/XX/XXXX. I did not get the PayPal refund so I disputed the billed amounts with PayPal and my credit card, XXXX 's of Delaware. Months later, I still have not received refunds despite sending PayPal and XXXX 's extensive proof including XXXX ' refund receipts dated XX/XX/XXXX complete with PayPal transaction numbers and original transaction data ( attached here ). However, what has happened is : PayPal repeatedly telling me via text and by phone that XXXX 's has the priority to handle the dispute. XXXX sending me a letter saying that PayPal is to handle the dispute. XXXX sending me a letter telling me they can not proceed with the dispute because the seller had a no return XXXX this is even though XXXX XXXX returns and they have confirmed the return and the refunds to me. The XXXX receipts I forwarded to PayPal and XXXX 's included PayPal refund transaction numbers XXXX and XXXX. PayPal has most recently told me ( supervisor XXXX # XXXX that those transaction numbers- even though it is on a refund receipt refer to the original purchase and not the refund. The supervisor XXXX told me to go back to XXXX who has repeatedly told me they refunded me on XX/XX/XXXX with the exact time as shown on the attached receipts ) If PayPal sees a refund receipt from a seller with only an original purchase transaction number why don't they become alarmed and support their customer/me and follow up with the seller to see where the refund might be/concerned about an error? As you all know, a credit card is ultimately charged for PayPal purchases. One has to wonder how many people do not notice they do not get their refund, or do not have the time and skills to follow-through with untangling this type of issue and horrific and confusing customer service. One has to wonder how many other people are having this happen when they pay for goods through PayPal, believing that their transaction and eventual return and any dispute happens safer and more seamlessly, compared to buying with simply their credit card. This inefficiency brings broad and large consumer hardship I am sure. It feels like complete irresponsibility and theft. While I have lots of proof, to avoid your being overwhelmed, I am including the most meaningful claim and complaint evidence. 1. Copies of the XXXX XXXX refund receipts including the PayPal transaction numbers for the receipts XXXX of many communications from PayPal saying XXXX is XXXX charge of the dispute XXXX. XXXX from XXXX 's saying PayPal is in charge of the dispute.
Company Response:
State: MA
Zip: 02445
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2020 i recieved several deposits from unemployment into my paypal account. I immediately requested a transfer of XXXX to a linked account and was denied without reason. i then was only allowed to withdraw $ % XXXX increments from XXXX and my account was limited. i reached out and the limitation was removed and i was assured in 48 hours i could remove my money. OnXXXX XXXX i attempted to transfer my money and again was denied andf told i had to wait another 24 hours. i waited, on XX/XX/XXXX i attempted to transfer again and was denied and could get no answers from anyone. i recieved emails and messages on the 3rdto send in verification of new account linked to my paypal and other documents, this after i had already sent in a pic of me holding my id as requested. Immediately after my account wasd limited permanently and i was informed my money would be held for 180 days, i hacve contacted them repeatedly and was told it was because of too many logins, then too many attempts to transfer my money, now because of possible fraud but they wil give no specifics and are forcing me to leave my money in their control for 180 days. i was also told that this money is no longer eligible for pass thru fdic protection, yet as it was all from eft it most definitely is covered. by claiming it is not they now can simply say the money was mlost and im just out. i want my money transferre3d to my bank as requested and as they are bound to do and have denied my requests from the beginning
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: MY COMPANY HAD SOLD JEWELRY TO AN INDIVIDUAL VIA OUR ONLINE WEBSTORE. WE SHIPPED THEIR ITEM AND THEY RECEIVED EVERYTHING. THE BUYER THEN INITIATED A CHARGEBACK ON THE ITEM WE HAD SHIPPED TO THEM STATING THE ITEM WAS NOT " AS DESCRIBED ''. PAYPAL HAD AUTOMATICALLY SIDED WITH THE BUYER AND WE LOST {$980.00}. IF IN FACT THE BUYER HAD STATED THE ITEM WAS NOT " AS DESCRIBED '' THEN WHY WAS THERE NO OPTION FOR THE BUYER TO SHIP BACK OUR PRODUCT BEFORE THE FUNDS GO BACK TO THE BUYER??? THAT IS ABSOLUTE FRAUD AND PAYPAL DOES NOT PROTECT SELLERS AS THEY STATE ON THEIR AGREEMENT/TERMS. IT IS VERY UNFORTUNATE THAT PAYPAL DOES NOT CARE ABOUT THEIR LEGITIMATE SELLERS WHICH PAY THEIR FEES. YOU GUYS TAKE OUR MONEY FROM FEES AND CHOOSE NOT TO PROTECT SELLERS WHICH GIVES YOU GUYS XXXX AND XXXX OF DOLLARS?? WE DEMAND PAYPAL GET TO THE BOTTOM OF THIS OR WE WILL GET A LAWYER INVOLVED. WE HAD NOT NOTICED THIS TRANSACTION UNTIL WE WENT THROUGH OUR BOOKS RECENTLY. DETAILS OF TRANSACTION : Transaction ID : XXXX Purchase Total {$1100.00} USD Sales Tax {$0.00} USD Shipping Amount {$45.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Discount- {$160.00} USD ( TransactionDiscount ) Gross Amount {$980.00} USD PayPal Fee- {$28.00} USD Net Amount {$950.00} USD Invoice XXXX WE HAD SHIPPED TO VERIFIED AND CONFIRMED ADDRESS AND THE SHIPMENT WAS SIGNED FOR BY THE SCAMMER " PURCHASER ''.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX sent a refund payment to Paypal. On XX/XX/XXXX paypal sent me an email saying that I have money in my paypal account. The amount should be around XXXX, neither organization has specified amount. I've tried to contact them to no avail. My account was closed when I notified them that a transaction was fraudulent after getting an email that a purchase had been made on my account. I contacted them to let them know and they said that the email must have been a scam, then my bank contacted me and I let them know that the transaction was fraudulent. Paypal then deactivated my account and I told them to close it. I have no access to this account now and can not reach them by phone. I've tried the resolution center but it just sends me over to activating an account and adding credit card information. I don't want to add credit card information, I want the money that was sent to them as a refund to me. They sent me a 2020 statement, I checked XXXX and XXXX and there was no money for either month. The money was sent to them on XX/XX/XXXX and they acknowledged on XX/XX/XXXX.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Other service problem
Subissue:
Consumer Complaint: PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. I started taking XXXX for my XXXX XXXX on XX/XX/XXXX. I have been doing XXXX for 4 years through PayPal, and have had 1 chargeback in my four years. On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX sales money, as well as my payments from XXXX XXXX work. All of this money comes from XXXX for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX and XXXX the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. I have contacted the attorney general of each state I have business in, the XXXX XXXX XXXX, and will be taking more public escalated actions if this is not resolved.
Company Response:
State: CO
Zip: 80023
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A