Date Received: 2020-08-17
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My account is with Paypal. I was given money for my birthday from a friend from a foreign country, XXXX. Paypal put a hold on it from XX/XX/XXXX until XX/XX/XXXX. It was not explained why they were holding the money, and I had to find out from an external source that it was because they didn't have the money yet since it was coming from overseas. This was not the issue. The issue was that they put a high risk lock on my entire account. There is a mandatory three day hold on all transactions except on purchases from XXXX. I was told this restriction would be removed when the payment was approved XX/XX/XXXX. Paypal representatives told me that I could expedite the process by confirming the transaction. I did. Paypal lied and did not expedite the process. Now that XXXX XXXX has come and gone, they have removed the hold on my friend 's gift, but have not removed the lock. I contacted them when I tried to give my father money for food and gas. I screencapped the entire conversation. We made a very quick exchange. I gave them all the information they needed. They then told me that they would not remove the lock from the account. I have not been given an explanation for the lock. They have closed the case.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On Monday XX/XX/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). A few minutes later another line item popped into my papal account for one XXXX credit. Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. The transactions they allowed unauthorized are XXXX and XXXX. A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: In XXXX my XXXX asked if he could pay his rent using PayPal. To accommodate him I set up a PayPal account and he paid several payments on XX/XX/XXXX. System worked fine. The next month my tenant paid on XX/XX/XXXX. This time the funds were on " hold '' and he has been unable to release the funds. My XXXX says he has done all he can and that Paypal has removed the funds from his account. Paypal doesnt give me the option to speak to anyone, their dispute center says the dispute is with the " sender '' but the sender says they already took his money and he cant do anything else. Paypal is " floating '' the money as they say they will hold it until XX/XX/XXXX. I am put in a particular situation here as technically I have not received the rent therefore I should start legal action against my XXXX. However, my XXXX says he has done all he can and he cant get a hold of a live person at Paypal either. This is a SCAM. I bet if you investigate Paypal you will find that they are floating customers funds illegally to the tune of millions. I have " submitted '' questions and complaints through there messaging center over five times over the last 11 days. How can this be legal?
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: As I own an account with Paypal and his email address is XXXX Paypal requested documents proving my activity, which is selling health and beauty products - and I submitted these documents, which are 100 % correct invoices, but I was surprised that they seized my money, which amounted to {$6200.00}. Unjustly, they didn't even send me one message to inform me of the reason for withdrawing the money. And that was in XXXX They will claim that I violated the usage agreement, but my documents related to my products are all in order, and I have settled all disputes with buyers amicably. Except in some cases, I was surprised that Paypal closed the dispute on his part and returned the money to the buyer and then comes to take compensation for that even though he did not investigate this It confirms the validity of the buyer 's claim
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My unemplyment was deposited with Paypal because I dont have an account. They are holding my funds even after I sent everything they've asked for. They say it'll remain on hold for 180 days. I've sent them more than enough to verify my identity and now they've stopped responding to me. This is very much illegal. My children are suffering thanks to them. I have no means to pay anything and I've told them so.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I found a deal on an espresso machine when searching via XXXX at a website called XXXX. Without thinking about the merchant, I proceeded to purchase, based on the link from XXXX and the site 's checkout via PayPal. I paid for the purchase with a credit card. After completing the purchase, I received two emails - one a quick summary of the transaction and a second saying the transaction was on hold until payment was confirmed. I thought that was puzzling, given that PayPal makes the payment instantly. I sent a response to XXXX two the email address on their website and got a bounce back message. I then went to the website and saw a phone number which I called and it went directly to a generic voicemail box. I finally looked at the address on the site and found it was a XXXX. I felt I was scammed. I immediately sent a message to PayPal. I thought they would help me reverse the charge. I also submitted a dispute, but did not see a reasonable category for the dispute, so I listed 'Other ' ( Case # XXXX ). Despite attempts to message with PayPal and call them, I only received precanned responses hours after I sent the inquiry, and was unable to speak to a phone rep. After a few days on XX/XX/XXXX, I received notice that PayPal denied the dispute saying my " After having reviewed all the details, and based on the information we have to date, we have to deny your case. This decision was made because your billing dispute doesn't match our qualification for a billing dispute. ". I responded asking how they could possibly say that, they reopened the case. On XX/XX/XXXX the 'seller ' sent a XXXX tracking number via PayPal for a package that was delivered that day. Unfortunately, after speaking with XXXX, I was informed the package was not sent to me, nor to my address, nor was it of a weight that matched the item I ordered. It was a XXXX tracking number for a package sent to someone in XXXX XXXX, NY where I live however. I shared this evidence with PayPal again via chat. PayPal again denied the dispute for the same reason on XX/XX/XXXX. Once again, I attempted to state my case and find out how they could deny without speaking to the seller and/or reviewing the claim in any form of detail. One of the reps then told me I needed to change the case type from 'Other ' to 'I never received the item '. I attempted to do that, and in that process apparently cancelled the original case. Needless to say, I had no idea that I could not resubmit the new claim with the appropriate reason code, and PayPal was so slow to respond that I got overzealous. PayPal has since informed me that since I cancelled the case, its proof that I was able to reach a resolution with the seller. I have disputed the transaction with my credit card company and they've informed me that this sort of thing happens far more often than PayPal would like to admit. To be honest having spent my entire career in financial services and particular payments, I was shocked to see that PayPal seemed to have no controls in place to review the seller 's site, particularly after I shared all the issues I posed, nor did they feel it necessary to follow up with XXXX or the seller directly. It seems dangerous to allow them to accept merchant payments on behalf of new sellers who they may not be vetting, if they have no protections in place for consumers. In hindsight, I was XXXX for clicking the buy button, and I clearly was annoyed and frustrated by the PayPal process and lack of human interaction which caused me to cancel the case which had been denied twice. Needless to say, I am hoping PayPal is made aware of their error in this case and helps prevent others from falling for their fraudulent trap and having to deal with such a painful process to recoup their funds from a fraudulent merchant. I've attached the messages from the merchant, as well as the transcripts with PayPal and the two denial emails from PayPal for reference.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: An XX/XX/XXXX account contacted me offering to sell me their account for {$90.00} and I agreed. They asked me to pay via Paypal and set it as friend and family and I did. They then immediately blocked me after receiving the funds. Their XXXX isXX/XX/XXXX and the e-mail address associated with their paypal is XXXX XXXX
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through Paypal using my XXXX XXXX card in the Amount of {$750.00}. My trip was for XX/XX/XXXX. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company XXXX XXXX and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for Paypal to respond. Paypal responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from XXXX saying that my needed to reach out to Paypal because there is nothing they can do. I have since reached out to paypal who has sent be back to XXXX to have them handle the claim and reach back out to them. I contacted XXXX told them Paypal told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact Paypal. I have since reached out to Paypal who has now sent me back to XXXX to have them help me because they are waiting on XXXX to contact them with their decision that they Paypal will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!! I just went on Paypal 's Website and they have closed my case. Without giving me my money back. They took my money and now I feel like I have been SCAMMED. How do you pay for a something you did not get and when you try to get your money back the people who took your money is telling you, you are not supposed to get it back. I have done EVERYTHING I was supposed to do. I cancealled ahead of time, I asked for my money back. Why am I the customer the one that is losing out. PAYPAL owes me my money. They processed this transaction, it is their MERCHANT that took my money. This is unacceptable. I will not stop until I get the rest of my money back. XXXX has issued me {$250.00} out of the {$750.00}. I need my {$500.00} back. In this time where things are rough for everyone ... losing {$500.00} for something I did not get, is beyond wrong. Paypal needs to give me my money. XXXX said they could not honor my claim because Paypal denied it, and Paypal is trying to tell me my case is closed because XXXX denied my claim. How on earth does any of this make sense.
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I started a company and used my PayPal to collect goods and services from customers. They then banned my account on XX/XX/XXXX and when I called they told me that they had no reason to ban my account what so ever. They said and I quote we can not give you specific reasoning to why this account was banned because we dont have one. They then said they are holding the almost {$2000.00} for 6 months. But said that I should make a business account and that I can still use my account that way. I then made one and connected my website to it via XXXX. Immediately once I connected my bank account they put my account under review on XX/XX/XXXX. While I followed every single guideline for PayPal. Then today on XX/XX/XXXX they banned my account again for not one reason at all and am holding my money, around {$7000.00}, for 6 months. They are making money off of my money while I need that money crucially to run my business. They discriminating against me for no reason at all what so ever. They told me I could use my business account but immediately banned it once I had more money in there and found out it was my business. Which this business is legal. I own a XXXX XXXX business where I XXXX XXXX XXXX XXXX XXXX. I have all legal documents to run this business, Tax ID, Kansas Tax number, Kansas State resell certificate, and every other document I can think of. This is getting ridiculous from PayPal as they are holding close to {$10000.00} in 2 accounts that I need now. They accused me of being a liability, but I have NEVER had a customer charge me back or even start a case to charge back. Thank you guys for all the help you will provide me with.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: As of XX/XX/2020, I been cheated on an item I sold through sopposebly PayPal, it was referred to XXXX I mistakingly thought they were saying truth, but they didnt they made me follow instructions on an email, thinking it was PayPal and asked me to buy a XXXX visa gift card of XXXX dlls, I did call XXXX card reporting number they gave me a case number which is XXXX. The person said his name was XXXX XXXX, then he said his name was XXXX, and XXXX he was eventually lying. please help me identify these scammers. They have this phone XXXX ( XXXX XXXX XXXX reach them they say there men but the owner of the phone is a woman ( XXXX )
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A