Date Received: 2023-09-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please!
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX my phone was stolen, and 4 fraudulent transactions were done through my Paypal account. These were non authorized and fraud transactions that I never initiated. The funds were taken out of my linked XXXX XXXX account, the transactions totalled over {$6000.00}. I called both my bank and Paypal to report these transactions as unauthorized and fraudulent. My bank recognized these transactions as fraudulent reversed the pending transactions, but Paypal on the other hand is saying that those transactions were authorized ( even though I never did them myself and my phone was stolen ) now I have a negative balance of {$4500.00}, and Paypal is stating that I must pay back this amount. I even submitted a police report about the incidents that occurred during my travel in XXXX, XXXX XXXX. I have appealed this case 3 times and they never solve this situation. I just don't understand how 4 different big transactions went through, when I have never sent money to that person before nor I've ever transferred those amounts of money. I didn't even have enough money on my bank account and these transactions put it in an overdraft state. These are my lifetime savings and I can't afford to pay this back nor I should be required to, because these are fraudulent transactions. I need to report this bad business practice. It's just not fair.
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a negative paypal balance of XXXX . stopped using paypal for awhile check the account maybe a week or 2 later and my new owed balance was XXXX XXXX .I then received a debt colletion letter in the mail from paypal of XXXX XXXX XX/XX/XXXX. I believe this debt to be wrong I dont even know how I could accumulate this amount owed on paypal and would like to dispute it.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I attempted to transfer {$7.00} ( as shown as my available balance ) from PayPal to PayPal Credit as a payment. I received a confirmation email shortly afterwards. On XX/XX/XXXX, I received an email from PayPal stating that my payment has been " returned '' without any exact reason and said I'd be " charged a return check fee of up to {$27.00}. '' Now the transaction doesn't even appear in my PayPal activities and they have stolen the {$7.00} as it doesn't appear anywhere now. When I attempt to resolve the issue with PayPal, their " Customer Service '' is non existent. I waited over *4 HOURSXXXX on hold with no answer. This is an unacceptable way to conduct financial transactions.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX ) On XX/XX/XXXX, they debited me XXXX euros for an email program in XXXX that I use. Paid with ( XXXX XXXX XXXX XXXX ) {$23.00} on XX/XX/2023 Exchange rate {$23.00} USD = XXXX EUR XXXX USD = XXXX XXXX XXXX XXXX XXXXXXXX XXXX. payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase details Purchase amount XXXX EUR Total XXXX ) the XXXX euros came up to XXXX, as you can see. From their own account. Then they debited me for the same service {$23.00} ( not in euros, but in dollars. ) there was no money in the account. So now I am negative {$23.00} XXXX ) then they went ahead this morning and charged on my other debit card ( XXXX ) {$23.00} So I have paid 3 times for the same service The attachement in red is PayPal And the attachment in black is from XXXX As you can see I am paying three time for the same service. XXXX is saying PayPal direct debited them. They have nothing to do with it
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On the evening of XX/XX/XXXX I notice two charges to my debt card made through PayPal that I did not make. I called the bank but it was too late to stop the payments from being taken from my account. I filled out fraud report to paypal on XX/XX/XXXX and they claimed that I made the charges and they would do nothing to help me get my money back in the amount of {$990.00} and {$400.00}. This charge was to a company in XXXX.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was contacted by what a I thought was Paypal about a charge by a hacker of a payment of {$1200.00} that was made on my Paypal account. I did not have a Paypal account, but Paypal told me that the hacker had creacted one in my name. I was sent to a page to claim a refund and this page contained the bank information to for the refund. This is where Paypal ( the real hacker ) to withdraw {$27000.00} from my account.
Company Response:
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On several occasions, I have asked them when is my funds going to be available. I requested that I had bills that needed to be paid. Currently, my phone in off. I am 3 months behind in rent, need my storage unit to be paid, XXXX XXXX renewal. I couldn't pay for my car to be fixed so I had to let it go. Information that I provided on XX/XX/XXXX, I will submit a copy. Today, XX/XX/11, I sent to their email on XXXX. Since my funds on low I was unable to print out those emails to put on PDF 's. I will be evicted at the end of this month.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Venmo randomly locked me out of my account with no reason. When talking to their support, I am told that they can not see a reason why the account was locked and that they will need to escalate. When asked for timeline I am told 7 to 10 business days, but that is an unacceptable amount of time to be locked out of access to my money with no reason. When asking for a number for the escalation team, I am told there is no way for a consumer to speak with them. I must wait for their email, and each response will be an additional 7 to 10 business days. No warning, no reason given, and no access to funds stored. This is criminal activity and should be punished as such.
Company Response:
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I have originally complained about my transaction which occurred on, On XX/XX/2023, and received payment by invoice from a tenant that I have residing in my home. I chose PAYPAL as a way of tracking my income and providing my tenants with proof of rental payments. I have had my PAYPAL account for quite some time and have never had an issue sending or receiving money, ever! Now, that I have chosen to use the services that they offer businesses such as invoicing, my account is shut down permanently and {$620.00} is being held hostage for 180 days. Even after speaking to several " Supervisors '' one of which explained that she had taken down enough information explaining the transaction and its purpose, and would " escalate '' my issue to the " backend '' department for review and that my funds would be made available for withdrawal by the next day, which would be XX/XX/2023. On XX/XX/2023, I checked the status of my account to find that my account had been closed, and my money would be held hostage for 180 days. There is no recourse of action, there is no " specific '' reason given to explain why my account has been restricted and my money is being kept hostage. My funds and transactions are easily verifiable as not being a fraud, and PAYPAL neglects to validate any claim of fraud as they are accusing me of. They are keeping my money presenting hardships with my finances. Ironically, PAYPAL identified other accounts in my name with alleged limited account access, and supposedly negative balance. There are no negative account balances on none of my accounts. I only have a personal account and a business account. My personal account isn't limited, or restricted nor does it have a negative balance as this company is alleging. PAYPAL NEVER sent any notification as they claim. PAYPAY is an unethical company with unfair, biased operational standards. I am requesting that my funds be immediately released to me. There are too many ways to verify money from the sender, and the reason. A simple phone call to the party who sent me the money could have avoided this. PAYPAL is now holding my money in their account to gain interest. I should have a right to know where my money is and what is being done with it. I have no way of knowing what is going on with my money. I am going to follow this complaint up with a small claims matter in my city as well. I will be taking PAYPAL to court due to the hardships they are causing me. PAYPAL provides lies and generic reasons why they are holding my money. They have not provided any evidence to support their lie about me having a negative balance. I have access to this other account, and there is no negative balance. I should not have to wait 6 months for my funds. I will also contact social media, news, and any other agency that will help me fight this crook of a company. I want to have my money returned to me so I can eliminate all contact with PAYPAL. I am also going to file a police report against PAYPAL as well, and I am planning on suing this company.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A