Date Received: 2020-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I tried to buy a puppy from a breeder website ( XXXX ) in the beginning of XXXX, I sent an inquiry to the owner about a specific puppy named 'XXXX ' the breeder asked for half of the money through paypal ( {$490.00} USD- {$640.00} CAD ) up front and the other half when the puppy arrived. The arrival date of the puppy was supposed to be XX/XX/XXXX, however the breeder messaged me the XXXX saying that the puppy required a special crate and I needed to send him another {$1000.00}. When I refused to send the extra money the breeder called me and confronted me about not sending the money, I continued to refuse and asked for a refund. The breeder promised a refund within seven days ( XX/XX/XXXX ) I still have not received a refund.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: Back in the month of XX/XX/XXXX I got a notice from Pay-Pal stating that my account was at high risk, however shortley later on as years went back I tried to appeal my case to PayPal upper management and the same response came back explaining that I have no right to appeal the decision and that the decision was made in Final. Paypal has been sending notices out to everyone with the same notice as the one I received listed below ... Because I was disputing some XXXX transactions back in XX/XX/XXXX-XX/XX/XXXX from PayPal, Paypal went to the sellers i had a previous long business relatioship with and sided with the sellers on XXXX. This is something that was made definitely an error by PayPal sepcially with all the disputes I was disputing and filling on the PayPal website during the time the disputes I was disputing went on and occured. paypal also told me that because there decision was final without reason or a warning to the issue listed bolow that there business relationship with me parted ways meaning PayPal does not want my business anymore and this is the kind of behavior that i will be hearing from any baking institution companies not just PayPal in connection. I do have some Paypal accounts that are still put on limited restriction but every time i call up paypal to lift my XXXX Paypal account that is put on limited restriction by PayPal and to no avail not a single human rep can fix my Paypal account what so ever. Also PayPal is so simular to other banking companies that deal with international banks to internation customers etc. PayPal is by the worst company ever that anyone should not be using because in the Terms of Use Agreement on the PayPal websites does not state that Paypal has a right to put limited restrictions on anyone 's PayPal account or closing the account down or making it look like the account was entirely closed when its put on Limited Restriction. Also, PayPal has been sending me fake PayPal emails about getting my accounts reinstated but the emails are systematically coming from PayPal even though someone is using my email address to open a new paypal account under a different individual 's name without my concent which PayPal should be cited on entirley in which case is fraud!!! XXXX wrote : Dear XXXX XXXX, Thank you for contacting PayPal regarding your limitation. We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. PayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. To minimize the disruption to your business, you can continue to log in to your account for the next 180 days. * If you have a negative balance, please add money to your account to bring your balance to at least XXXX. ( If you choose not to resolve your negative balance, we may take legal steps to collect the money. ) * Visit the Resolution Center to resolve any outstanding buyer complaints or chargebacks. * If youd like to refund any of your buyers, you can reply to this email with the transaction details. Well send a refund on your behalf using money from your PayPal balance. Heres how to view the status of a buyer complaint : 1. Log in to your PayPal account. 2. Click Resolution Center near the top of the page. 3. Select Open Cases from the drop-down menu next to View. 4. Click Status next to the transaction. After 180 days, well contact you to let you know how to withdraw any money that remains in your PayPal account. You can transfer the balance in your PayPal account to your bank account or ask us to send you a check. ( You cant withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargebacks. ) Yours sincerely, PayPal, an XXXX Company Please don't 'reply ' to this email. We don't monitor this inbox. To get in touch with us, log in to your account and click 'Contact Us ' at the bottom of any page. PayPal XXXX XXXX XXXX XXXX XXXX. & XXXX, XXXX. XXXX en Commandite par Actions Registered Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Copyright XXXX-XXXX PayPal. All rights reserved. Sincere, XXXX XXXX
Company Response:
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal.
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: **BEWARE** VENMO Has horrible customer service!!!!! Venmo requested I forward my DL for verification, I have sent in the requested documents and now Its under review I have {$100.00} I can not access and considering I am living in a hotel right now if I dont get this money I will be on the street with a newborn. THE AGENTS ARE USLESS! They arent willing to help you and they refuse to go above and beyond for a client.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I had my unemployment deposited into paypal. They are holding my money now for 6 months and I'm homeless.they will not answer any form on communication.
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Two unauthorized money transfers were taken through my XXXX which was directly linked to my bank, one in the amount of XXXX dollars and the other XXXX dollars. I filed two disputes for both these transactions, and within about an hour of so of filing each dispute, my claim was denied due to the fact I have sent money to the person who received the funds before. Speaking with a representative from XXXX through chat messaging, I was told that money transfers were under the assumption of them that they were legit transfers. I do not know how this person was able to log into my account to transfer this money, but I absolutely did not authorize them to take any of the disputed funds. I was able to stop payment through the bank on the XXXX and the XXXX is now under investigation through the bank. However due to the stop payment, XXXX now has my balance in the negative and refuses to remedy the situation and want me to pay the negative balance, money which I do not have.
Company Response:
State: VA
Zip: 24141
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open. I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I received a payment on PayPal.com for a product I sold on XXXX. I was instructed to upload the tracking information on the website and 24 hours after deliver the funds would be released to me, almost a week later and multiple emails, phone calls and messages with PayPal and I still don't have my money. I called customer service again and spoke with XXXX ID XXXX and he XXXX he would send me a text but I told him I couldn't get texts and be on the phone and the text expired several minutes later. He said I'd just need to wait, but I told him the website says funds will be released 24 hours after delivery. I ATTEMPTED TO EXPLAIN THAT XXXX, FL IS A SUBURB OF XXXX, but he said the shipping information didn't match the records. I told him I shipped to verified address and he still hasn't release my money! They've had my money and won't release it!!!!
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I made a purchase where the payment was made through PayPal in the amount of XXXX. I have contacted the merchant for a refund because they had not shipped my items or provided accurate shipping information. I also contacted PayPal on XX/XX/2020 where I was informed that the said Merchant MISSINSTYLE had not provided any tracking information to them either. However, PayPal is refusing to issue a refund and wants me to wait until XX/XX/2020 for the merchant to ship the package. I have emails from the merchant refusing to issue a refund stating that it has been shipped and I should wait until I receive it to see if I like the item. Clearly the item has not been shipped but they have received payment, I would like assistance with getting my funds returned since the bank is unable to dispute the charges being that this is a third party purchase. Something I was totally unaware of prior to calling the bank
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: Consider this an addendum, but not duplication of complaint XXXX. The company 's response misrepresents the order of events and occludes the complaint in legal jargon and indirectly related policy. This complaint centers on the misrepresentation to the cfpb of the order events in their response to my original complaint. In the response my transfer to my son is labeled as " Payment 1 '' when in fact it happened after the mistaken transfer, this misrepresents the order of events to shift blame to me, it should in fact be labeled " Payment 2 ''. My son needed financial aid due to income loss during the pandemic. We spoke on the phone and he gave me an email address that I was not very familiar with, leaving out one letter. During the personal transfer the only recipient verification I received was that the email format is valid. There was no validation of who that email represented. During the process of sending personal funds transfer, my son sent a request for funds to me, which I did not see until after the mistaken transaction completed. The " send personal money '' workflow I was in was not interrupted, I was not notified of the request until that mistaken transaction completed. I was not allowed to verify the identity of the actual first transaction, that resulted in a mistaken loss of {$1000.00}. This is a flaw in the workflow and as it is an complete omission from the process, could not trigger an any logical or code based error. ( as referenced in their response ) After the mistaken transaction was completed, and only after, did I send my son {$500.00} based on that request. He clearly was still in financial jeopardy, and I I still needed to provide help. This is in fact transaction # 2 and in their CFPB response they switch the order, and labeled it " Payment 1 '' to bolster their argument. This is incorrect and misrepresentation, they talk about unrelated policy on Consumer to Business transactions, I guess as filler, this is a person to person transaction. They failed to allow me to verify the recipient of the actual " Payment 1 '' to " XXXX XXXX '' ( who is not known to me ), and they do not notify you of incoming payment requests, if you are in a transfer workflow. They then point to their EULA as justification for not meeting basic transactional responsibility. I can imagine no other reputable transaction where I can not verify the recipient of funds, personal or business. This is flaw in workflow design and I should be refunded. This is a failure on their part to provide a necessary, basic mechanism for verification that companies like XXXX and XXXX XXXX provide. I feel their response is dishonest and would like the CFPB to demand an honest response. It's clear from online reviews, discussions with PayPal phone help and their fear of setting precedent of refund -- that this happens regularly. Many people are effected, and I can only imagine the amounts of money involved globally. I also wonder if misrepresenting the order of events to a governmental agency is criminal or not?
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A