Date Received: 2024-01-07
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: PayPal froze my account permanently on XX/XX/XXXX for no reason. I sent this email to them : To whom it may concern, My name is XXXX XXXX and XXXX a long-time PayPal user who has never violated the User agreement. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. I primarily use my PayPal for personal transactions including my sister, XXXX XXXX XXXX. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : [ XX/XX/XXXX ] : [ {$500.00} ] received from [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] : [ XXXX. XXXX EUR ] sent to [ XXXX XXXX ] [ XX/XX/XXXX ] : [ XXXX XXXX XXXX ] was sent [ {$27.00} ] [ XX/XX/XXXX ] : [ {$210.00} ] sent to [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] : [ {$17.00} ] sent to [ XXXX, XXXX ] None of these violate the User Agreement. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXX and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected XXXX window. Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. Sincerely, XXXX XXXX This is there response : Dear XXXX XXXX, This is XXXX with PayPal 's Office of Global Customer Complaints & Advocacy. I am replying to the concerns you escalated to our office about the permanent restriction on your account. I am sorry I was not able to speak with you about your concerns. I am happy to provide you with information about the restrictions on your PayPal account. I understand how distressing it must have been for you to receive the " You can no longer do business with PayPal '' email, and I apologize for the inconvenience this has caused you. Please allow me to explain further the details of our review. If you would like to speak with me about your concerns or the information below, please reply to this email with the best day and time for me to call you. To prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your PayPal account. We can confirm that the accounts share a combination of the following : SSN, Phone number and Address. On XX/XX/XXXX, PayPal reviewed your account and determined we were unable to mitigate the risk associated with your account. As a result, PayPal decided to place a permanent suspension on your account and no longer provide our services to you as the risk associated with your account is too great. This permanent suspension applies to all current PayPal accounts or any further accounts you may open. Due to the potential risk of chargebacks and other reversals, your remaining balance will be held for up to 180 days from the date the limitation was placed on your account. We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/XXXX, and we will notify you of this via email. If you would like to speak with me about your concerns or the information below, please reply to this email with the best day and time for me to call you. While I understand this may not be the answer you were hoping for, I have thoroughly researched the facts of this matter and can confirm our decision remai ns unchanged and is consistent with PayPal 's User Agreement. I regret that we can no longer offer you PayPal as an option. At this point, you should look into alternative payment processors that may better fit your transaction or business needs. I wish you the best of luck in your future endeavors. Thank you for giving me the opportunity to address your concerns. Please feel free to contact PayPal 's Office of Global Customer Complaints & Advocacy at executiveoffice@paypal.com if you have any additional questions or concerns or if we can be of further assistance. Very sincerely yours, XXXX Ive had this account since early XXXX. Ive had no chargebacks and no fraudulent transactions of any kind. Ive have done continuous business and transactions with people on that account with no trouble.
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sold two phones on XXXX and took payment through paypal from two different individuals In the amount of {$290.00} per phone i sold thus equaling {$580.00} on XX/XX/2024 And PayPal has my money on hold Until the item has been delivered to the buyer. So I did my job in complied with the hold. I uploaded tracking numbers for both phones From XXXX XXXX And they were both delivered the next day on XX/XX/2024 Now PayPal said in their policy. Did they would hold funds for 21 days if I did not do one of the following. Up updating the status of the shipment which I did that. I Uploaded the trucking. And it That With uploading the tracking information and once the item has been confirmed delivered to the buyer, the funds would be released within 24 hours. And they are refusing to let go of my funds and release the hold. So I can access it. For still 21 days even though it was delivered. The very next day my fun should've been released to me within XXXX XXXX after that. So I should've had access to my funds on XX/XX/XXXX. But here it is XX/XX/XXXX. And they are still refusing to release my funds to me whenever I need my funds immediately. But I was willing to comply on I did my job. They're not doing theirs. I do not think this is right or fair or even legal. I don't know all I know is that I need my money and they have it. On hold in, refuse to release it to me until almost the end of XXXX. Even though I've complied and they're policy states that it would be released within 24 hours after confirmed delivery. Please help me.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: Someone hacked my PayPal account. They added their own email as a primary email. Then they added a bank account. Then they initiated a transfer from my bank account to their bank account. I reported to PayPal but PayPal has said there's no unauthorized access, which is ridiculous. It was all done on XXXX XXXX XXXX
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: This started XX/XX/XXXX when my mom was transferring my loan to me in increments instead of all at once. The deposit amounts that she sent & has the transfer receipts for are as stated by PayPal in there first statement that I requested. XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$13.00}. That's a total of {$3100.00}. I began to notice my balance was moving down faster than the orders/transactions I made. So I requested another statement from Paypal sent via email. When I saw the statement I was livid! There are doubles, triples, and even quadruple transactions for XXXX single transaction! There are to many for me to type here but can be seen in the images I have provided. I will share a couple here so you have a better idea. On XX/XX/XXXX Reversal General Authorization Paypal XXXX ( complete ) + {$91.00} XXXX eneral Authorization Paypal XXXX ( complete $ XXXX ) XXXX Acct Hold Paypal XXXX ( Pending $ XXXX ) XXXX ( Pending $ XXXX ) XXXX XXXX ( Pending- {$37.00} ) XXXX Reverse General Authorization XXXX ( complete + {$37.00}, ) XXXX XXXX ( Denied $ XXXX ) XXXX XXXX ( complete $ XXXX ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Pending $ XXXX ) XX/XX/XXXX XXXX Reversal ( complete $ XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Pending $ XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Complete $ XXXX ). These are just XXXX out of the XXXX transactions that are doubled/tripled. I contacted Paypal via PayPal Message Center and on XX/XX/XXXX a gentleman by the name of XXXX sent me a reply saying that he will personally help me with these transactions and found them to be fraudelent. I had left the chat group to take a picture to send to him and when got back to the chat log he had archived the chat so I couldn't send him the image. I tried opening up a new chat session it would continously tell me that Paypal is closed and they would be back XX/XX/XXXX. He then sent me an email stating if the seller cancels the Authorization that they could issue me a refund. He gives me a case number XXXX XXXX XXXX At this point I'm already about 90 % sure there is fraudelent activity going on and PayPal is allowing this criminal behavior or they don't have security protection for there transactions or any financial information. When I looked up the case number it doesn't exist. I've already filed XXXX complaints with the XXXX for all of this. Paypal says that I wasn't charged more than once but all of there bank history reports say other wise. Even without adding in the unauthorized transactions there is still XXXX unaccounted for that should be my remaining balance. In there overview they have my money out more than my money in. And then today when I look half of my deposits are unaccounted for and my transactions have been changed for the 4th time. And for Paypal to deny this just makes them look like complete fools. I dont think they thought someone would pay that much attention but they are dead wrong. This is outrageous and needs to be investigated to the highest priority. My kids had to have a smaller XXXX because somebody was money hungry for there own XXXX needs. It's my money and I'm the one who has to pay it back and I didn't even get to use it. Im not an XXXX and I'm not going to be made out to be one. This money was fraudently taken from me and PayPal altered my financial statements to cover for it.
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello i didn't try to get credit from that company.
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I am writing to address an issue with my account, which currently holds a balance of {$210.00}. Recently, I was requested to upload my National Identification Card for verification purposes, which I promptly did. Despite adhering to the one business day waiting period for processing, my account has unfortunately been limited instead of approved. As a professional working with a registered company, XXXX XXXX, I am concerned about this unexpected limitation. I must understand the specific reasons behind this action. Furthermore, the prompt resolution of this matter is crucial as it directly impacts my financial transactions. Therefore, I request a detailed explanation regarding the limitation of my account and urge for a swift resolution to regain full access to my funds. Your prompt attention to this matter will be greatly appreciated.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had {$4900.00} in my Venmo account which I attempted to send to my primary bank account. Venmo offers an instant transfer but it said my bank was not compatible. I chose to do a standard transfer, which is advertised as XXXX business days, and all over the place there is fine print saying transfers initiated before XXXX XXXX will be credited the next business day and what not. I initiated my transfer on XX/XX/XXXX around XXXX and it said scheduled to be completed on XX/XX/XXXX. That was 3 days ago and I havent even gotten an update. The thing still says scheduled to be completed on the XXXX, and on the mobile app it says it was completed on the XXXX. Ive been on the phone with customer service and they provide zero answers.
Company Response:
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted PayPal re a purchase I made from XXXX on XX/XX/XXXX in the amount of {$360.00} through them. Of that {$360.00}, on XXXX at XXXX, I set up a partial return with the company in question. The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. This was provided to PayPal. The items were sent Via XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/, XXXX at the warehouse in XXXX XXXX XXXX the address provided by XXXX XXXX Further, PayPal continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from PayPal. PayPal denies this, even though that information was provided to them. PayPal requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. Said information was provided multiple times. Despite that, they closed my case in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but PayPal refuses to further investigate despite XXXX has given them in writing that the refund of {$230.00} will be coming from PayPal as XXXX already refunded PayPal.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account was recently closed with Venmo and all of my life savings are in this account I can not pay rent Im currently being evicted for not paying rent due to me not having access to my funds they unlocked it and I tried to transfer money out then they locked it again I cant understand the reason for this I just wish to receive my funds without getting legal council involved
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My XXXX Paypal autopay did not go through ( even though I received a message saying it did ), I was then charged a late fee. No one can explain why the autopay failed ( another account used the same exact information and worked fine ). 1. I was told the late fee would be reversed -- it has not yet been reversed. 2. autopay is only on the date due, so there's no way to avoid a late fee if it " mysteriously '' doesn't go through. 3. This seems like a scam to accumulate late fees.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A