Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing about account XXXX As I have stated in an earlier complaint this company is ridiculous now because I filed a complaint they are holding my money till the end of the day illegally. This is not legal to do in the United States of America unless the customer agrees ahead of time. I am starting to see that PayPal is acting in a discriminatory way that may constitute racism.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I used the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX app to request {$930.00} USD from my husband through PayPal. My husband accepted the request which transferred the money from his PayPal to my PayPal. Next PayPal automatically transferred {$930.00} to XXXX and it was properly credited to my XXXX account from PayPal on XX/XX/XXXX. ( PayPal Transaction ID : XXXX ). This is how the XXXX XXXX XXXX XXXX is supposed to work. However, in an email correspondence from PayPal on XX/XX/XXXX XXXX from PayPal stated the following. " In XXXX, PayPal had some technical issues where some transactions were duplicated. '' Due to this technical issue, on XX/XX/XXXX the request for {$930.00} was duplicated to my husband 's PayPal account and he responded to the request, thus withdrawing another {$930.00} from his PayPal which was successfully transferred into my PayPal account as verified by PayPal Transaction ID : XXXX. As soon as the money entered my PayPal account it was automatically transferred by PayPal to XXXX under PayPal Transaction ID : XXXX. However, this money never was credited to my XXXX balance. Therefore, I am owed {$930.00}. I contacted PayPal on more occasions than I can count to resolve the issue. Upon review of PayPal 's Office of Executive Escalations in an email on XX/XX/XXXX they stated " PayPal successfully sent the {$930.00} USD payment to your external wallet XXXX ending XXXX. '' I asked PayPal to clarify what this XXXX account was, as it did not match my XXXX account number. PayPal 's response on XX/XX/XXXX stated : " The account ending in XXXX is XXXX. This is an external wallet with XXXX XXXX. PayPal does not own that account and can not provide instructions on how to access it as it would be with XXXX XXXX. '' Upon requesting more information on this account on XX/XX/XXXX PayPal stated : " Due to the privacy and security of our customer accounts we are unable to see the full account number. However the last XXXX are XXXX. '' Followed by the statement " We successfully sent the money to the account mentioned above and we do not have the funds in our possession. '' I then contacted XXXX on various occasions to resolve the issue. XXXX requested the following information : " If you paid with a non-XXXX XXXX online account/third-party vendor or bank/wire transfer, please send a transmittal form, which you can obtain from your financial institution. The transmittal form should include the bank routing and transit numbers as well as the XXXX XXXX account number to which the money was credited. '' When I contacted PayPal to obtain such information their response was : " As PayPal is a payment platform, we do not have a routing number that we can share. We only act as a medium through which transactions can be processed. '' I shared this information with XXXX and I uploaded all the correspondence I received from PayPal to help clarify the issue. Yet, XXXX closed my case XXXX times with no outcome. It seems as though PayPal is passing the burden to XXXX with no clear way to help me resolve the issue, even though they had the funds in the first place. They should be able trace the funds and provide exact information of where funds are going when they leave PayPal possession.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank account was frozen by venmo for no lawful reason i Submitted all the documents they ask for Done everything theyve I asked they will not. Let me speak to anyone that can tell me the reason that my bank was frozen Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They can not Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They refuse to give me the number to the corporate office. They refuse to give me an email address or phone number and anyone I just speak to. They can give me such an information. It was frozen with XX/XX/XXXX. I I have been trying to getthe information since XXXX XXXX XX/XX/XXXX an they keep given me the run around
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I repaired my wife 's bosses roof since the first guy he paid to do it messed it up even more. Well when I finished the banks were closed and he said all he had was venmo he could pay me through that so I downloaded the app and he sent me the {$500.00} went through without a problem but then I tried to link my bank and debit card to get the money out and it said that bank was not accepted so I bought but to transfer to my account in which they said that it would take 24-48 hours to verify my identity and everything so my wife 's cousin said she also had venmo I could send it to her and she would pay XXXX I went to sell my XXXX back and then was notified that it would be 5-7 days before I was paid for the XXXX which every single other platform I ever sold on was instant so after that I got a notice on my account that it had been suspended for suspicious activity. I asked in live chat what it was for and what was suspicious when they took my money in 6 secs to pay for the XXXX but 6 days to pay it back they could not give a a straight answer so the next day i called them only to be told tjay the department of specialist that was handled my case could only be reached by email and had no phone amd that they did not have access to why i was suspended i had to wait for emails that took 3-7 business day for a response each time then i got a email from the so called specialist that my case had been escalated to some other specialist and that they would email me in 7-10 business days. So now I am a week into this with still no answer or reason as to why I can't access my money.
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have been reaching out to Paypal since XX/XX/2023. They asked for a compliance letter a few months before this issue. I provided it to them. I got the approval, all good email. Then out of no where in XXXX my account gets locked. I see a notice saying I need to provide documentation proving we are compliant now because they don't approve of me selling my product online. ( Which we are compliant with the state, so this is annoying to begin with. ) Other wise my funds will remain locked. I had our legal team prepare the official letter and submitted it the beginning of XXXX. Nothing changed with my account 5 days later, so i reached out to them again. I have been contacting this company non stop since. They have a weird glitch going on in the website, saying I have another step to complete, even though it has been completed already. I even had an open tech case with the company, that was closed saying it wasn't a tech problem. Their company needed to " review '' the issue in the backend team. That never seems to do their job I guess. I have attached my record of every convo that I've had with them, including phone calls. There's too many to put down in this box. All of their employees say the same thing basically every time, " We don't know, we will escalate your issue, our back team has to approve this and you should hear back in 5 days. '' They are withholding money ( {$210.00} ) from my business for regulations I am clearly in compliance for. And have zero intent to do anything about it apparently. This is going on almost 4 months now and Im still getting no where any time soon. Its been over a month since they have even tried to contact me.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I opened a PayPal account and used it to pay for different things like XXXX rides, doordash, XXXX, and a few other things. I never kept a balance but I had my debit card linked to my account so when I paid with PayPal they would debit my card. I used my account like this for months. No problems what so ever. Then I sell my buddies dad a track saw. We each drive about an hour to meet up and make the transaction. He ends up forgetting to bring his wallet, so instead of rescheduling and wasting the trip we both made, he asks if I have PayPal. I told him I did so he sent me the money thru PayPal. They immediately put the 21 day hold on the money. Even tho my buddies XXXX called and told them he already had the saw and told them he agreed that he waived his right to dispute the transaction. They lied and told him I already had the money. He knew they were lying and even told them so. They doubled down telling him that I was in possession of the money so he didn't need to worry about it. I called PayPal and asked them why they would tell him that knowing good and well I couldn't touch the money for 21 days. So the XXXX day comes around and I get an email saying that my account was permanently frozen and that my money would be held for 180 days. So I contacted them and asked what it was about and why they waited months of letting me use my account but the second I get a few XXXX dollars in there they decide I did something wrong. They're so full of it. They claimed I violated their user policy by logging in using a VPN or anonymizer app as they call it. Once again they are full of it. I've never logged in using anything like that. They then tell me that they have another account with the same name and address that owes the money. Now by this time I've done verified my identity with them twice while my account was still working. They had no problem with it I let them know that I had my identity stolen and that that isn't my account that owes them money. They never got the social security number for that account tho. Anyone can use a someone else 's name and address and make a PayPal account but they couldn't prove it was me. Because it wasn't my account. So at this point the XXXX or supervisor or whatever sends me an email trying to explain why I can't get my money out for 180 days. Then proceeds to blackmail me saying " well if you were to take care of the account that owes us money we could get your money release to you. So they're blackmailing me to try and get pay off an account I don't own just to get my money back from them. Very unprofessional PayPal. See what PayPal does is when you keep your money in your PayPal account it's earning interests. So by freezing accounts with a couple XXXX dollars in it they are making millions in interest. Because when you sign up you sign away your right to the interest your money is making them. How they are still allowed to do this is beyond me. I guess they make more money stealing people 's money y than they lose in the court cases they keep losing. I want this to be investigated and PayPal to be held accountable.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Subject : Urgent Request to Reinstate My PayPal Account - Unjust Limitation Dear PayPal Support Team, I hope this message finds you well. I am writing to address the recent limitation imposed on my PayPal account and to request its immediate reinstatement. I am currently facing significant difficulties with my business, and this limitation has only exacerbated the situation. Firstly, I would like to clarify that I sell my own brand of bilingual learning toys for children. Each order is diligently shipped with tracking via USPS to ensure transparency and accountability. I have maintained a strong track record of satisfied customers and prompt deliveries. It deeply troubles me that my PayPal account was limited without any apparent reason or warning. I have always complied with PayPal 's policies and have never engaged in any fraudulent or unethical activities. I humbly request clarification on the specific reason behind this limitation so that I may rectify any misunderstandings or address any concerns. My wife and I are devout XXXX, and we are currently facing tremendous financial strain, especially with the impending arrival of our baby. The absence of PayPal as a reliable payment gateway has significantly impacted our ability to sustain our business during these challenging times. I kindly implore the PayPal team to reconsider this limitation and reinstate my account promptly. My intention has always been to provide high-quality educational products and foster a positive learning experience for children. I genuinely believe that my business aligns with PayPal 's values, and I am committed to adhering to all guidelines and policies moving forward. Your understanding and prompt attention to this matter would be immensely appreciated. I sincerely hope for a favorable resolution that allows me to resume my operations and support my growing family. Thank you for your time and consideration. Warm regards, XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Since XX/XX/2023 PayPal Inc has subjected me and my family to emotional duress and undue hardship/XXXX anguish by denying me access to my own funds. On the XXXX of XX/XX/2023 I was involved in a serious XXXX XXXX XXXX that could have easily cost me my life. I was insured by XXXX XXXX XXXX and was issued a digital payment of {$10000.00} ( personal injury protection ). I was presented with XXXX options to receive the funds. Option 1 : Bank transfer- would take XXXX days to complete or option XXXX : have the funds deposited directly to a PayPal account for instant access to the funds. I chose option XXXX and the {$10000.00} was deposited to my PayPal account. I logged into my PayPal account confirmed the {$10000.00} was deposited and upon trying to withdraw my funds I was unable to do so. Since XX/XX/XXXX PayPal has repeatedly and unlawfully restricted me from accessing my own funds. My account was limited over XXXX times and I have sent in every document imaginable to prove my identity from my drivers license to bank statements, my social security card, proof of address etc. I was repeatedly informed that my transactions were being blocked by the internal security system, a security algorithm that PayPal uses to monitor transactions that is capable of making real-time decisions concerning peoples money without the ability to be over-ridden. I have spoken to over XXXX PayPal supervisors and have spoken to every department you can think of from the executive office to the escalations office to the global complaints and advocacy department, I have even reached out to my local media with concerns to this matter. I have spent literally sunrise to sunset on the phone with customer support, on 2 occasions nearly having a nervous breakdown. The record for the longest time spent on the phone with one of there agents was a whopping six hours and 42 minutes. There customer service front line agents are completely incompetent and offer no solution whatsoever outside the the standard " Please allow 24-72 hours before attempting the transaction again '' I have an endless amount of documentation to go along with this complaint and I am prepared to go to whatever length necessary to ensure that PayPal Is held accountable for there actions.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Its a PayPal accountI that I have {$4300.00}. Waited XXXX because they said they hold accounts for XXXX days, called today to get the money transferred and they say they cant transfer this into my account cause my wife has her own PayPal account but share the same bank account, so I go to the bank open a new account and call again and now they tell me that they can not transfer the whole amount try a smaller amount and the charge {$25.00} dollars After they charge 3 % for fees for holding your money for over XXXX days and then after all that my request to transfer my own money to my bank account is denied! How frustrating is this? And I dont know if when I will get my money! This is criminal I dont know how many people they do this to every day, but if this is criminal!
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting the loan
Subissue:
Consumer Complaint: Paypal claims I owe money from a pay in 4 transaction. this happened as a result of me filing a dispute incorrectly with my bank. After a day, I cancelled my dispute with my bank and paypal was refunded the dispute amount. Paypal has no record of the cancelled dispute. I have proof from my bank that the disputed amount was paid. I also was sent to collections and after sending copies of my proof pay pal admitted and apologized for their mistake and I was given proof in an email that my account was flagged incorrectly. I also reported this case to the XXXX and I was able to get a response from paypal. Fast forward a year later I tried applying for a paypal pay in 4 and I was denied credit due to my account being delinquent. They told me that paypal changed their mind about this case. How could they do something like this this is ridiculous. The new representative told me the previous person who said I owed nothing was wrong. I need your help -XXXX
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A