Date Received: 2023-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a debt collection letter from XXXX XXXX XXXX XXXX for {$110.00} for PayPal. XXXX ) I logged into PayPal and currently have a positive balance. XXXX ) I do not recognize this debt. XXXX ) I can not actually log-in to XXXX XXXX XXXX XXXX. I have tried the letter ID they gave me. I have tried last name, and last XXXX. Nothing has worked. XXXX ) The website references a page with a signature, I think I've only received the XXXX page of a correspondence. I believe this is a badly orchestrated scam. XXXX ) Just realized they also sent it to Washington, DE not Washington XXXX DC.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: The payment was made with my credit card thru PayPal and the merchant refunded the money back to me due to no products not available and the PayPal debited from merchant bank account but PayPal not refund money to my credit card they are holding for no reason. My name is XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$2000.00}
Company Response:
State: TX
Zip: 76244
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a problem with the transaction, whereas tracking was added after the alleged delivery, but the item was never delivered nor received from the shipping company. An attempt was made to contact the seller via the item 's webpage and PayPal account email, with no reply. Attempts to contact PayPal directly have been impossible in writing, as the email associated with XXXX is not accessible. USPS states, " Your parcel, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was scanned as delivered. I consulted with the carrier and retraced their steps to find your parcel. The carrier was unable to locate your parcel. I also conducted a physical search of the XXXX post office. I can only conclude that your parcel was misappropriated by a third party. You can avail yourself of the claim tools located at USPS.COM under the claim tab. I would also suggest contacting the shipper for a possible resolution. '' A refund is in order. ''
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I attempted to purchase a camera from a seller using Paypal. I communicated with the seller through XXXX XXXX, where we discussed details for the trransaction. The seller agreed to ship the camera for a total cost of {$1200.00}. I sent the payment as a XXXX & XXXX payment on Paypal. Once completed, the seller asked me for a screenshot of my verification, since the payment was pending. Afterward, the seller agreed to ship the item on XXXX, XX/XX/2023. The night of Thursday, XX/XX/2023, at approximately XXXX XXXX XXXX I recieve a potentially suspicious email from Paypal saying that I had made a dispute against the vendor of the camera for a total refund of {$1.00}. I did not initiate this, and the vendor fraudulently impersonated my identity to accomplish this. I did not click on any links within the email and instead went to my desktop computer to verify within my Paypal account what was going on. There was in fact a dispute made on my behalf. I immediately try and call Paypal, but they do not have live support at this hour of the day, unlike many other financial institutions. There was nothing I could intuitively do through their automated voice menus. I had to wait until the morning of Saturday, XX/XX/2023, to call and navigate through voice menus to get to a human representative. I explained them my issue, and after being put on hold, they said that they can see the dispute was submitted via the automated phone service, and that they would have to escalate this internally, and gave me a new ticket number for my case. However, I received no confirmation of the ticket in email, my account still shows the fraudulent dispute, and I am unable to re-dispute because of XXXX system. My identity was stolen and a fraudulent charge was forced to stick onto my account because of XXXX policy, which do not allow for disputes to be reopened, which provides a vector of attack for scammers and fraudsters. Paypal fraud support states that their system makes it impossible to reopen it once closed and ended up drafting me a letter to send to the bank stating that it is indeed a scam and they do not have the ability to now initiate the true dispute on their end as it is a limitation with their dispute system. You cant really do much to prevent it since their call in system is less secure than online. You can have XXXX factor authentication, passkey, all set up; but all the scammer needs to do is call PayPal by phone to get around this.
Company Response:
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: To whom it may concern, I got an email from XXXX XXXX XXXX XXXX who mentioned I owe " debt '' with PayPal. The XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I sold points/miles to the agent XXXX and I would like to get dollar from him. However, XXXX didn't have enough dollar. Therefore he found XXXX XXXX ( PayPal user : XXXX XXXX and XXXX XXXX ) to exchange currency through PayPal. In other words, the triangle transaction was that I gave XXXX points and XXXX gave XXXX XXXX, and XXXX gave my USD. On XX/XX/2022, a review occurred to my PayPal account, I made an inquiry of XXXX and found XXXX used credit card to make purchase through PayPal. I felt of concern because I was aware that this is a high risk transactoon and might trigger alerm of PayPal. Later on the same day, the review was lifted and I felt everything might be okay. On XX/XX/XXXX, two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by the PayPal account " XXXX XXXX XXXX and on XX/XX/XXXX another two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by " XXXX XXXX ''. At beginning, it seemed that XXXX tried to help while all the emails I drafted for him and asked his help to send to PayPal, and he always found find excuse to delay. I felt he maliciously eacaped from his liability and at the same time, it was very difficult to reach PayPal when my PayPal account was banned. I firmly believe I don't owe any single penny from PayPal. Thank you. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I add my card from XXXX XXXX to PayPal and for show pay, show pay is scan code, that you user in variety of store That PayPal indoors and you can user the code with there indoor er, well I make a couple of purchase with the scan code show pay, to be exact about for purchases, on the fifth purchase there system was block my card and my purchases was coming up decline. I don't understand why.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds.
Company Response:
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I am unable to log into my Venmo account via the browser on both mobile and desktop. Whenever I try to log in I get an OAuth2 error. I am also unable to link my Venmo account to budgeting services like XXXX XXXX, which is interfering with my ability to understand my full financial situation on a day to day basis. I tried contacting Venmo support via their online email from so they could help with this issue on XXXX. I got an automated response from them telling me that they would get back to me within 24hrs. However, its been several days and they still have not contacted me and Im still unable to access my account.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: There has been an ongoing issue, where I am unable to log into my account to access my funds. I can not seem to get in contact with Venmo regarding this issue. My login credentials are correct and still it is not working and they will not respond my inquiry.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/2023, PayPal decided to limit or restrict both of my accounts permanently, even after providing the requested identity verification documents and reasoning of funds transferred. PayPal accepted my funds coming from my bank account just fine to then block me immediately when I attempted to move them out of PayPal, essentially creating a free loan for them of {$7100.00}, as they put a hold on it for XXXX days without any alternatives or paths to resolution. This includes my multiple requests to simply return the money to exactly where it came from, as they have no rights to keep my money for that extended period of time. Their reasoning is due to high risk of fraud for this activity ( despite me proving otherwise that these are legitimate funds and not fraud ) and that they come from legitimate sources from accounts I personally own. They stated I also used a proxy anonymizer, which I replied I don't even know what that is and that the only thing I can think of is XXXXXXXX XXXX XXXX being enabled, which comes by default with XXXX and XXXX products like XXXX, XXXX, etc. Other than that, I did not use a VPN with PayPal or even have a VPN set up at this time. The other reason raised was having XXXX PayPal accounts with similar information, and I explained XXXX was intended for personal use and another for my sole prop business. However, never really ended up working that way and both are now showing as personal after their statuses were downgraded/changed, but they were at XXXX point different types so that is why there are XXXX right now. Happy to close XXXX of them, of course, since I do not need XXXX personal accounts. Additionally, I explained the funds I own came from my XXXX XXXX account under my name, and those aren't funds where any claims, chargebacks, refunds, or disputes at all can be brought up against it because these are not purchases or transactions related in any way to goods or services. They are solely personal money movement. This already refutes their reasoning to hold funds for XXXX days due to those same reasons that are not valid in this case. XXXX XXXX also confirmed to me via phone that PayPal is the XXXX responsible here because XXXX already sent those funds to PayPal and there is nothing for XXXX to do here because they now sit with PayPal who is holding those funds without due cause. They said PayPal needs to release those funds on their side, as XXXX XXXX already did their part in successfully sending the verified funds. Despite my attempts, PayPal just continues to send copy paste scripts stating the same thing that my account has been permanently limited and that it is final, and that no money can move in any direction for XXXX days, which is completely unfair and unreasonable in this case, and shows they took no care to understand this case or work with me for a resolution. If you look online, this is a common fishy PayPal practice of decades, and many small business and individuals have been affected harshly for doing normal activities and using services as intended, in the end affecting the livelihoods of many in the U.S. and around the world by holding essential funds that could save and protect businesses and human lives.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A