Date Received: 2020-10-08
Issue: Other service problem
Subissue:
Consumer Complaint: Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information. This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages. I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am a XXXX on XXXX. A buyer won an auction in XXXX and was delivered exactly what was promised. A month after product was delivered, she made a claim in XXXX claiming the items arrived damaged. I fought this claim as it was untrue and XXXX closed the claim in my favor. The buyer was unsatisfied with this result and then opened a claim with Paypal for the same reason. I let them know that this was already handled by XXXX and that they determined that the items were undamaged and the case was closed in my favor. I heard nothing back from Paypal for over a month until the product was returned to me unannounced and they forced a refund from my account. I was never informed that they needed more information or that they had instructed the buyer to send the product back. I now have a negative balance in my account that they expect me to pay for an unauthorized return that should have never occurred. The timing of the sale had a lot to do with the price the buyer paid, so their attitude that I can just sell it again and make my money back is an insult.
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sold something using the XXXX website and the buyer purchased the item for me through PayPal which we both have an account. PayPal requires you to upload tracking number and funds are normally available unless they determine them to be held period in this situation because a tracking number was uploaded my phone should have been available one day after the item was delivered. The item was delivered on XX/XX/XXXX which is shown on the PayPal website. I have tried to contact PayPal numerous times including today in which I am still am receiving excuses on why the funds are not available. I have asked them to immediately make the funds available to me and yet they continue to provide excuses. I am asking for the funds to be available and to be provided compensation for damages and time spent on trying to receive my funds.
Company Response:
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sold some XXXX XXXX on XXXX XXXX & the price I sold them for was very inexpensive, {$240.00}. for 12. here 's the exact add. on XX/XX/2020 XXXX XXXX XXXX XXXX. ( 2 ) Matched XXXX XXXX or 2 Matched sets of 6 tubes. ( 12 tubes total ). These were purchased New from XXXX XXXX in New York & were over {$500.00}. They are very strong tubes with low hours which have operated flawlessly. They are {$120.00} for each set of 6 & currently there are 2 set 's are available. here 's the 2 pp payments both the same day & for all 12 tubes 6 + 6 XX/XX/2020 Payment from XXXX XXXX XXXX Completed {$120.00} USD XX/XX/2020 Payment from XXXX XXXX XXXX Reversed {$130.00} USD Now I want to also point out that the buyer could have had an accident & dropped a couple of tubes, I have no idea & Also these went from XXXX XXXX to XXXX in 2 days & there's no ground route that go 's there in 2 days witch means they were on a plane which means the also went through so pressure changes going up & down & thirdly I never said i could guarantee them at all & so although I was trying to help with this I was under no obligation to do anything at al since there was no l. It's all just been paypal forcing me too when frankly I don't have to do anything at all about any of this but paypal wants to make me & their wrong about every last little bit of this. I want to sue them & this is the second time & they should be sued. Now as you can see I offer them in 2 sets of 6. And they sold immediately within an hour of placing the add & this guy, the buyer bought both sets & PayPal was used for the transfer. & I accommodated the buyer by only charging the shipping cost once & sent them all in one priority mail package. Now after the buyer had the tubes for about 4 or 5 days already he started to complain that 2 of the tubes didn't work & he was asking for a refund of {$68.00}. because of this which isn't even an accurate prorate amount based on 6 tubes for {$120.00}. Now I remembered that PayPal had a sellers assurance program & contacted Paypal & ask them to help cover the amount the guy was asking for which at that time was {$68.00}. Now this is where things start going wrong because paypal didn't want to do that! .Instead of PayPal ( & after all the thousands of dollars I've sent & received thru Instead, PayPal did nothing & did nothing for a long time too. They just started holding every thing up and weeks started to go by with nothing being resolved! Which I'm sure aggravated the buyer as well as me & things kept going on with no answer from PayPal Within about another week i called them up again. They didn't say so but they had no intention to pay to resolve anything with buyers assurance but they did say they were just leaving between the buyer & seller to resolve the matter at which time I said I'd offer to give the buyer {$50.00}. to resolve the situation " even though none of this was my fault '' & just offered it to get it over with. I knew all the tubes were working because I had tested them all first before carefully packing them all up & sending them out. PayPal took note of the offer then everything went back to waiting a long time again. Now this time it went on again for a month or longer. As you can see I'm writing about this since the 10 of 12 tubes worked but paypal doesn't seem to be factoring that in at all. And now throughout all this time when i tried to call PayPal back, they wouldn't take my calls & had me blocked, I have seen this tactic before with them too. " THEY ARE CROOKS ''!. & I couldn't find any way to reach them by text or email. Meanwhile this thing is draging on & on One thing that needs to be kept clear is the fact that the guy bought 12 tubes by paying for both sets & this must have happened in shipping. These XXXX 's are very large tubes, not small ones & they are very delicate ones so it's not hard to believe only 10 out of 12 made it there okay. Now PayPal has made me HATE them because of the way they've Manhandled me on all of this because, # 1. the buyer ask for a {$68.00}. refund & then after dragging their feet for over a month when it was finely clear that PayPal wouldn't cover i through seller protection, PayPal has the audacity to advise my buyer to send the 6 tubes back & up the refund amount & request an even larger {$130.00} refund & escalating & exacerbating the situation in doing so. I was appalled by this & they're still not taking notice that 12 tubes was the total & having the guy send 6 back for a larger refund only made me madder. Now i kept checking back online with PayPal because they we're not taking my call. The calls just did not go thru. Finely about a week ago, I found that finely There was a message center that opened up that was not available to use, or for me to use that is anyway. & the first thing said is why won't you take my calls. because this is not something I wanted to type about. And I was furious about that & the fact that they were stalling & now appeared to be ruling against me, I could see that coming. I had cut & pasted what I was texting at that point & I'll be inserting that here now ; TO Paypal : I just want to say that I am outraged by how you shut me down & won't take my call 's while you've allowed this thing to escalate by stalling & stalling making everything worse & worse, meanwhile allowing no communication with me, making out like I'm wrong & like I'm at fault here, when I'm not, its you who is wrong & this all you're fault & I am furious I mean FURIOUS ABOUT IT, I AM MAD AS XXXX AT YOU PEOPLE & /or WHO EVER IT IS OVER THERE AT PAYPAL THAT THINKS THEY HAVE ANY RIGHT TO DO THIS. HOW CAN I DO BUSINESS WITH A COMPANY THAT THINKS THIS KIND OF TREATMENT IS OK, IT'S PATHETIC HOW you're made me type all this out, because you won't allow me to call or be called back, while you've obviously allowed the other guy that privilege & you've obviously sided with him, you people make me sick & THIS WHOLE THING MAKES ME SICK. GO BACK & LOOK AT ALL THE BUSINESS I've DONE THRU PAYPAL ON XXXX & ALL THE MONEY YOU'VE MADE ON ALL OF MY TRANSACTIONS & FROM ALL MY STELLAR WORLD WIDE FEEDBACK THAT'S STILL ON XXXX 'XXXX WEB-SIGHT WHO'S THE YOUNG PUNK OVER THERE DOING THIS TO ME, HUNH, WELL HE NEEDS TO BE FIRED. AS I EXPLAINED, HE DOESN'T KNOW WHAT HE'S DOING, AND I '' M SORRY THE BUYER HAD TROUBLE WITH SOME OF THE TUBES & I WISH HE HADN'T, BUT THERE WAS NO GUARANTEE ON THEM AND IT WAS 12 HE BOUGHT NOT 3 OR 6 & SO 10 ARRIVED IN XXXX, OK OR SOMETHING HAPPENED WHILE HE WAS HANDLING THEM OR SOMETHING BUT 10 OUT OF TWELVE STILL ISN'T BAD & THEY WERE ALL WORKING WHEN THEY LEFT HERE & WHAT PAYPAL HAS DONE TO ME WRONGFULLY, I REALLY DON'T HAVE WORDS TO DESCRIBE, NOT ONES I CAN USE HERE, BUT IT'S CRAZY WHAT YOU'VE DONE HERE & CRAZY THE WAY U GUYS OPERATE & NOW I WANT TO TELL THE WORLD ABOUT IT & EXPOSE THIS & EXPOSE YOU " PAYPAL '' FOR HOW YOU OPERATE, ITS SICK. THESE TUBES SHOULD HAVE COST {$5.00} OR {$600.00} & GO NEW FOR ABOUT A THOUSAND DOLLARS. I RECENTLY ORDERED SOME EVEN MORE EXPENSIVE TUBES THAT I NEEDED 12 OF BUT I BOUGHT 18 SO I HAD SOME EXTRA ONES & SURE ENOUGH A COUPLE WENT OUT ON ME RIGHT AWAY BUT I HAD BOUGHT EXTRA 'S & i JUST GOT OUT A COUPLE OF MY SPARE ONES & FIXED THE PROBLEM ( AND THE POINT IS, THESE WERE BRAND NEW TUBES TOO ) lIKE i SAID i SOLD THESE FOR CHEEP & THEY WERE SOLD THRU XXXX, ... NOT XXXX WHERE THE SELLER IS ALWAYS AT FAULT. & I EVEN GOT A CALL FROM XXXX WHERE THE GUY REMINDED ME THAT THESE WERE USED TUBES & THAT I NEVER SAID THEY WERE GUARANTEED. TUBES ARE EXPENSIVE & VOLATILE & RISKY BUSINESS & NOT FOR SOMEONE ON A SHOE STRING BUDGET. & i WAS TRYING TO HELP OUT & DO WHAT i COULD, BUT THE FACT OF THE MATTER IS THOSE TUBES WERE NOT GUARANTEED AT ALL PERIOD & i SOLD 12 FOR MORE LIKE THE PRICE OF 3 OR MAYBE 4 TUBES. BUT PAYPAL HAS DONE EVERYTHING THEY COULD TO MAKE EVERYTHING WORSE & IS NOW TRYING TO STICK ME WITH THE WHOLE PROBLEM THEY WERE RESPONSIBLE FOR DOUBLING & NOT TAKING CARE OF WITH MY SELLERS PROTECTION IN THE FIRST PLACE. THIS IS ALL YOU'RE FAULT & I'M NOT TAKING IT. PERIOD.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I got approved for a Paypal Credit limit of {$3800.00}, I verified my identity as requested by Paypal, uploaded my driver 's license to approve use of the Paypal account. It was advertised on XXXX sites, and many other sites, to " use Paypal Credit for anything, offering 6 months financing no interest for any purchases ''. So I applied, got approved, and tried to make a simple purchase where Paypal is accepted, and I am unable to use Paypal Credit that I got approved for, it was a simple {$20.00} XXXX purchase. Spoke to Paypal rep, they keep saying that the automated system, may have detected a risk in your purchase and decided to block paypal credit as a payment method. I ask, " risk '' what risk? im making a simple small purchase, of {$20.00}, what risk is your flawed system detecting. Then im thinking its like a credit card company, that may need verification of identity or social security, and every single Paypal representative tells me, once security systems initiates a block, we can not remove it or override it, and we don't know how long the block will stay ''. I'm like how is that possible, every bank would have an override if we can determine there is an error or flaw. They said no, just wait and try the transaction again later, which I did after few days, still same issue. I kept asking how long do i have to wait to use the credit limit i was rightfully granted, they said we don't know. Im thinking, what XXXX system of theirs, detects {$20.00} purchase as risk. They have no right to detect risk, becuase the issuer of Paypal credit is XXXX XXXX, and they are holding the credit line, and they are assuming the risk, Paypal takes zero risk here, so what the XXXX are they talking about? Anyways long story short, no matter hwo long I wait I can never use my paypal credit for any site not even for {$1.00}, just lingering XXXX balance credit card I have. I have XXXX credit score, $ XXXX income, 6 other credit cards, and a house and over 18 years of credit history. Im pretty sure, my history of perfect on time paying credit history would be PROOF that there is no risk with my right to use my credit limit granted to me by XXXX XXXX. XXXX XXXX told me they cant do anything until Paypal system releases the block, which is determined by an automated system, that LITERALLY noone can defy, which is XXXX thing i've ever heard. Everyone knows, even machines can have flaws. There are pages and pages of this same issue with thousands of people, who got approved for paypal credit since 2017. You can read the Community forums of others having same UNLAWFUL issue. ( https : //www.paypal-community.com/t5/PayPal-Credit/PayPal-Credit-Not-working-for-anything/td-p/1179780 ) According to the Credit Cardholders Bill of Rights , no one can deny fairness of use of credit limit, meaning if i have {$3800.00} limit, i'm allowed to use the full {$3800.00} granted to me, it is the Bank that XXXX the risk, not the XXXX company Paypal, my credit history acts as proof that I am credit worthy to use the limit granted to me. the Bank and The Credit Bureaus determine the risk, not the subsidiary company such as Paypal, they clearly have a FLAWED automated system proven by me and many others. and this MUST be fixed. I believe you can take these community forums and research more of these unlawful issues, and I truly believe there can be a class action lawsuit brought against Paypal, for not providing a valid reason for blocking access to granted credit limit, making me have a hard credit inquiry dropping scor eby 4 points, and cant use it at all. EVER!
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Other service problem
Subissue:
Consumer Complaint: I sold some items in XXXX and my Paypal account was credited. I want to transfer that money into my bank account. Paypal requires me to provide my bank login credentials ( userid and password ) in order to make the transfer. Why do I need to provide my login credentials? It is sufficient to provide routing number and my account number. Can you please help me get my money? Thanks.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On or about 4 weeks ago PayPal suspended my two business accounts, one under XXXX XXXX, the other under XXXX XXXX XXXX With no notice or opportunity to correct anything, they just froze my accounts and I can not send money receive money, conduct my web business or anything. I have had customer complaints and have had to try to do work-around in order to stay in business. Covid has hit us hard as well and to have this on top of our financial challenges is rough. I have tried to get a XXXX on the phone to resolve the situation with no success. I can not get a detailed explanation of what policies I am not in compliance with. They have around {$5000.00} tied up for 6 months because they say that is their policy. We sell XXXX XXXX and XXXX XXXX with XXXX XXXX and we sell XXXX XXXX products with XXXX XXXX XXXX All our products are legal. We do not make any excessive medical claims. I would be happy if PayPal would just close my two accounts, send our money to us and we will find another merchant banking solution. Would you please help us resolve this as soon as possible. Sincerely, XXXX XXXX
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Paypal put my account on limitation about 3-4 weeks ago and wanted me to provide proof of money transactions to be mine. I submitted all documents and bank statements that they asked for but they still decided to close my account and hold all my funds for 6 months. I did nothing wrong and dont deserve to be treated like this that is all the money that I have I need it back I have them what they wanted
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened a new Paypal account after Paypal kept using my bank account to pay for transactions and refused to remove it. I opened the new account and received 2 payments. Immediately, Paypal froze the funds after deducting fees and while holding my money ransom, they're now demanding government ID, social security numbers etc. I refuse to provide such sensitive information to an online platform as I do not know what they will do with it or how secure their systems are. I offered to provide proof of shipping but they're refusing to release my money. If they wanted ID and other personal information, they should have requested this before creating the account, before accepting my money and before charging fees. XXXX from customer support now says they will refund the money to the payer. What about the fees they deducted? What about the items that were shipped to the customer? Who compensates me for Paypal 's bait and switch tactics? It's impossible to get through to Paypal 's customer service and I've tried calling and emailing them multiple times. This business 's practices are extremely fraudulent and deceitful. I want my money released as they have already deducted fees and customers have already received their items. It's illegal for a business to take my money on one set of terms, then demand items I never agreed to and now refuse to release my money.
Company Response:
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. Date : XX/XX/2020 Amount : {$380.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A