Date Received: 2020-08-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I tried to purchase a swimming pool ladder. The vendor was XXXX they were using PayPal as method of payment. The advertised price was XXXX. After providing my credit card information I was given no receipt or tracking number. I them checked my credit card and was charged XXXX. I contacted paypal to report fraud. I also contacted XXXX XXXX to report.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Account was locked XX/XX/XXXX for no logical reason or legitimate suspicion of fraud. I have made multiple attempts to resolve whatever issue took place with PayPal directly and was informed they were not obligated to release any reason for the action and I could possibly access my funds on XX/XX/XXXX. The only transactions are to my wife and my direct deposit from unemployment. {$10000.00} in retroactive unemployment funds are being wrongfully held. I need this money to support my family. I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent/non-existent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Monday morning, XX/XX/XXXX if I am not satisfied with PayPals response to this request to release my funds : XXXX XXXX XXXXDirector, President and Chief Executive Officer XXXX XXXX-Executive Vice President and Chief Business Affairs and Legal Officer XXXX XXXX XXXX XXXX Officer and Executive Vice President, Global Customer Operations XXXX XXXX Risk Officer and XXXX Vice President, Risk and Platforms XXXX XXXX XXXXVice President, Corporate Legal and Secretary XXXX ( for appeals ) XXXX ( for account reviews ) XXXX ( for abuse complaints ) XXXX ( for escalations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, PayPal Legal/Public Relations ) XXXX ( XXXX XXXX, Paypal Complaints ) XXXX ( XXXX XXXX, PayPal President ) XXXX ( XXXX XXXX, CFO PayPal ) XXXX ( PayPal Office of Executive Escalations ) XXXX ( XXXX XXXX, Senior Director Accounts Protection ) XXXX ( XXXX XXXX, Sr. Manager Brand Marketing & Security ) XXXX ( XXXX XXXX, Senior Product Manager Merchant Services ) XXXX ( Let public relations know you are filing complaints ) XXXX ( XXXX XXXX -- Media Relations Contact ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX : XXXX & XXXX & XXXX All complaints will be filed online Monday morning XX/XX/XXXX and written copies will also be sent via certified postal mail. I understand PayPals need for holding funds for chargeback/Dispute purposes, however a review of my account history will reveal no Transactions capable of being a risk. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for any chargeback/Dispute purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Monday, XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. Thank you for your time again in looking into this matter. Claimant identified the following issues : Account Locked, Unemployment Funds held.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020, an unauthorized transaction and hack occurred from PayPal account for the amount of {$2200.00} ; the hacker attempted to use several of my credit cards on my PayPal account, but the charge defaulted to my bank account ; thereby, initially withdrawing the said amount and thereby leaving my account overdrawn. I notified PayPal by automated response of the hack and unauthorized transaction. However, in less than 12 hours, I received an automated notice that the 'case closed ' following the statement that their investigations declared the transaction was 'authorized '. I attempted on several occasions throughout the days to speak to a live PayPal representative to help escalate the Identity Theft and Cyber Security risk to my account, but to no avail. I made a formal Police Report with my local Police Department. I also filed a FBI 'IC3 ' report of the CyberSecurity & Identity Theft. Additionally, I also filed a Federal Trade Commission report of the crime as well. My bank, XXXX XXXX XXXX, then reverse the charge back to PayPal, and PayPal then place the negative balance of {$2200.00} in their In-House Collections department. I reached out to PayPal collections to dispute the charge, but the department refuses to cooperate in an investigation, stating the case is closed and no further action is required ... they just want their money. It appears that PayPal is not taking this Cyber Security Risk and Identity Theft case seriously. I have also had to close several credit cards that were compromised, and I have had to place a Credit Freeze on my 3-Bureau 's credit reports. To date, I still have not been able to speak to a live representative from PayPal to re-open the case and to refund my negative balance. At this point, it is clear that PayPal refuses to cooperate with a thorough investigation.
Company Response:
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a purse from a lady and she never sent the bag only the tracking number and still hasnt been received by XXXX, I was scammed and I just want my money I did dispute the charges through my back but havent been refunded.
Company Response:
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sold counterfeit coins by a XXXX company that operated under several names and was advertized on XXXX and the money was taken in by paypal. I will include police reports and an IC3 form detailing the dollar amounts. PayPal at first offered me a system by which I could get a refund and refunded one of the shipments and then led me on a wild goosechase through there messaging system ( which they said was the only way they could be contacted, so i was never able to talk to a real person although I requested this multiple times. They said they would do it, but then refused. They wanted me to ship the coins back to the counterfeiters at my own expense and wait for a refund from counterfeiters. I refused to do this as it is against the law and two of the coins if real had a {$40000.00} plus value. In addition although I was in contact with paypal daily, reported this to XXXX which was running the ads, the police department, the FBI and the Secret Service, they are still running the ads and operating the same scam.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/30 I found out via email ( in Spanish ) that an electronic transfer was submitted through PayPal. I immediately went to PayPal.com and the first problem was after entering my email address ( username ) everything was in XXXX with no way to convert to XXXX. I found out *after* you log in, you can change the language preference - which, of course, was of no help to me in the moment. I deciphered the foreign language through an external translator, and got what I needed to log-in. I saw a pending {$1000.00} bank transfer from my linked bank account in PayPal with an estimated delivery date of XX/XX/XXXX. The transaction was initiated a couple hours prior. I immediately changed my password and turned on two-factor authentication. I tried to call PayPal, and after several minutes of XXXX prompts I was told " I'm sorry we can not help you over the phone '' and it disconnected. I read through their XXXX how to report unauthorized activity. I went through the directions in the XXXX XXXX. As this is the only transaction in the history, I selected the {$1000.00} ACH transfer and clicked XXXX. I was taken to a page that stated : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' I tried this a couple times to make sure I had everything right ( which I did ) and ultimately have been unable to mark this transaction as unauthorized. Tried to call PayPal again - was also brought to the abrupt disconnect announcement. One last thing, I also tried to change my security questions on PayPal ( on a desktop computer ) and -you guessed it- problems there too. After changing the XXXX questions, it says " Sorry, something went wrong. Please try again. '' So I did. And again. Same problem. So how am I supposed to ensure the same dirtbag doesn't hack into my account again if I can't update the security questions? This is unacceptable for a company of this size and volume. The fraud protection, prevention, and resolution area is completely unprepared or unable to address unauthorized, criminal, and fraudulent activity. I think an investigation needs to occur at the company and in particular the tools and resources they've so poorly designed for the consumer.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: What happened was I called PayPal about a charge I saw for {$440.00} from XXXX. I immediately called PayPal and told them I never authorized any charge from XXXX. They told me I had to take it up with the merchant. I told PayPal I never authorized any charges from the merchant so why would I take it up with them? Anyway PayPal is now basically telling me I owe them {$440.00} and have denied my attempts to have this unauthorized charge reversed.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: A man said that he would sell me an iPad and that I had to pay him via Venmo. We agreed that if I did pay him that he would send my item via mail. He has failed to do that and I have spent my money without receiving any good or service in return. Venmo refuses to help me and has not done anything to help me gain my hard earned money back or get them to ship the item I never received.
Company Response:
State: AZ
Zip: 86001
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020, I saw an ad on XXXX for a folding picnic table. The price was low and while I was pleasantly surprised by this, I figured my purchase would be safe since I was given the option to pay through PayPal ; it is because of this trust in Paypal that I made the purchase, and you will find that my complaint is with PayPal protecting scammers and not holding up to their promise for consumer protection. The total amount for the purchase was {$26.00}. I checked the provided shipping tracking number and it showed the item had arrived from XXXX and had delays in customs, as was to be expected. When I attempted to contact the seller two months later because I had not received my order yet, the link to their website in their confirmation email no longer worked, and for that reason I no longer had the tracking number. I then contacted them through Paypal on XX/XX/2020, and they provided an updated tracking number. This updated tracking number showed that the item had been delivered, but the item that had been delivered ( and that I received ) was a cheap {$10.00} watch ( {$2.00} if you buy it on XXXX ), not a folding picnic table. It is also notable that the envelope in which the watch was shipped had the sender corner torn off ( though through the tracking number on the envelope I was able to backtrack that this was their shipment ). In my conversation with the seller through the PayPal messaging system, I told them that I did not order a watch but rather a folding picnic table, and they said they were sorry and it was a mistake, and that I could return it to them and pay shipping to XXXX myself, or they would offer a 40 % refund. I told them that was not reasonable and I did not order a watch, and I let them know that I would escalate this case with Paypal. I did so, and PayPal notes that when a case is escalated that they will review the messages between the buyer and the seller and make a determination based on what they find. After Paypal 's review, they said that since the tracking number provided showed that [ something ] had been delivered, my case was denied and the case was closed. In the messages with the seller, they never denied that they provided the wrong product, they even admitted this happened. It is clear that PayPal did not review the messages, or worse yet, that they are complicit with scammers ( based on reading comments all over their XXXX page, the latter seems to be the case ). I commented on their XXXX page about my problem and they seemed very polite and helpful in the comments, saying that they wanted to help me and to contact them, but when I messaged them, they replied back once asking for additional information, and they never replied again, even though I sent numerous messages. Unfortunately ( and possibly intentionally ) Paypal 's resolution center will not let me see the messages that took place between me and the seller, all it shows is that the case is denied and closed.
Company Response:
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have a PayPal account and on XX/XX/XXXX my son had his backpay for unemployment deposited into my PayPal. XXXX PayPal accepted this deposit then limit my account so I could not touch this money nor could my son who is also on my PayPal account. They sent me a thing to fill out asking how I got the money what did I sell to get the money they wanted receipts and so on my iD I provided them with what I was able to my ID so on I didn't have a receipt because I didn't sell anything I explained to them it was back pay for unemployment. Well they decided that I could no longer do business with them but I could not close my account and that I would not have access to my funds for 180 days in case if charge backs well I don't sell anything with my PayPal so there is no way of charge backs. This money we waited on for months about to lose everything. And once the money came we couldn't touch it. If it was AGANIST there user aggrement then why did they accept the deposit.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A