Date Received: 2021-07-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: PayPal.com limited my 3 accounts without prior notice in XX/XX/2021 and held {$22000.00} USD total balance for 180 days. PayPal support promised several times that they will release my funds after the 180 days pass. PayPal acted in bad faith and stole my hard earned money under the false claim of nonexistent damage. There was never any damage and PayPal took random arbitrary amounts to empty my balances through an obvious automated process at the 170 day from the initial account limitation for each account. I'm just offering social media marketing and management services. I never used any copyrighted material to promote my business and have never broken XXXX. All accounts legit and matching my passport. Transactions Details : - Account 1 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 2 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 3 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD )
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PayPal did not send me the letter that was attached in this complaint and Im XX/XX/XXXX they did not let me withdrawal the funds out of my account. The payment for {$36.00} for slots was made to me by a friend of mine for a slotting fee for his cow at the fair that I paid cash for. He was paying me back. This is really troublesome to me that the money that was held in my account by PayPal for 180 days Is then processed into PayPals bank account and taken. In my eyes as its my money this is PayPal Stealing and taking my money. How can they control that, say you abused the system without doing the proper research to see that yes it says slots but its not casino slots its a fee for slotting at the fair for my good friends Cow. This is super frustrating,
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I bought crypto-currency through PayPal a few months ago. For no reason and without ANY explanation, PayPal discontinued my account. I read through the User Agreements and didn't violate one single word of it. They informed me I have 180 days to withdraw money and transfer it. However, I do not want to sell my cryto investments, but they will not transfer it into another cyrpto wallet. They are forcing me to sell my investments when I do not want to sell right now. It's a violation of my ability to trade on the open market and forcing me into an action with my investment that I personally do not want to take.
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear CFPB, Below is the chronology of the case 1. I bought product from merchant in installment payment without time limit. The invoice worth {$2700.00} USD. Invoice attached here. For your information, invoice is paypal invoice. I paid in total {$1200.00} months ago and i have no idea that PayPal did not count the invoice as buyer protection but only count each payment made for 180days buyer protection. 2. Before pay the remaining balance of the invoice {$1500.00}. I contacted seller in XXXX. Why XXXX? Because XXXX is the only place we communicate as i dont have her XXXX number nor her mobile number. Seller online but did not response to me. I tried XXXX call as well but ignored. And then, i tried to contact her via XXXX pretend to ask about one of her listings and replied immediately. Attached XXXX inbox and XXXX response from seller. Therefore, it can safely concluded that seller avoid me purposely. 3. Something sounds not right for me so i decided to open case of previous {$1200.00} payments and found out already passed time limit. Because i trust PayPal i paid the remaining balance of {$1500.00} through PayPal invoice in order to open the case despite the fact that seller ran with my {$1200.00}. With a hope that PayPal can investigate this to its roots. 4. As you can see, balance paid by XX/XX/XXXX and i fill a dispute right away. Normally it takes 7 days before i can escalate it to a claim. But because i called PayPal. And told the whole story also provide XXXX XXXX XXXX evidences. PayPal cs escalate for me because i told PayPal cs that in the invoice there is terms and conditions made by seller saying that in any events if buyer change mind there is 5 % restocking fee and the rest of the amount that already paid will be converted to a store credit. I told PayPal cs previously i will honor the terms and conditions made by seller for 5 % restocking fee but i refuse store credit because sellee is not selling anymore for the past half year. So store credit is no point. How to buy from someone who doesnt sell for half year already? 5. Because seller avoid me after took my money i decided to cancel the transaction because i dont want problems. Shipping from usa to XXXX as shown in invoice is {$160.00}. In case items received broken/incomplete PayPal only cover shipping refunds at maximum {$20.00}. And in this pandemic situation, you can also browse news XXXX is the epicenter of covid 19 in XXXX. I wont jeopardize myself to go to post office/shipping carrier with a risk to be exposed in covid. 6. I never fight for 5 % cancellation fee mentioned in terms and condition of PayPal invoice but seller has shown unethical business practice because case escalated to prevent her to ship the items but yet she still ship it. 7. I raised my concern to PayPal and PayPal said i can refuse package from XXXX. Paypal will take care for me. But in this pandemic everyone needs money and i have conscience so i stop the shipment while still in USA. If i refuse the package after arrived in XXXX seller will loss another {$160.00} shipping cost back from XXXX to USA. Im being considerate here and try to save money and trouble for everyone but this is what i get in return. 8. All calls i made to PayPal usa are recorded. I called PayPal on XX/XX/XXXX1 to ask why case estimate pushed back to XX/XX/XXXX and PayPal cs keep assuring me to wait until XX/XX/XXXX PayPal promised i will get full refund of {$2700.00} invoice value if seller still not respond. And when i called PayPal XX/XX/XXXX PayPal also assures me if within a day seller still not response to PayPal case will be closed in my favor. But all are empty promi ses. Fortunately i record all the call as precautions. 9. Paypal emailed me on XX/XX/XXXX stated that PayPal has credited temporary provision refund to me but it doesnt reflected in my credit card. Therefore, yesterday i called PayPal. PayPal cs admitted its a mistake and never credit any refunds to me. What kind of mistake is this? Is this mistake acceptable for a big company like PayPal? Attached the email from PayPal. 10. PayPal cs asked me to confirm with XXXX. If package confirm returned successfully and received by seller. I already provide statement from XXXX upper management specialist confirmed that seller has received back her package on XX/XX/XXXX. If PayPal wants to confirm the legitimate email from XXXX. PayPal is free to call and confirm with XXXX rather than keep me hanging and keep dragging me? Its such a huge amount of money. I would not pay {$1500.00} and makes me sink even deeper risking loosing {$2700.00}. 11. I would like to clarify regarding seller statement on the case. First, seller excuse not to reply me because i change my XXXX name so she doesnt know me. Its total lie. Regardless what ame i changed into, the XXXX has the message logs between me and her. She can scroll and find out who im. Or else, if shes lazy to screenshot she can ask me who im. And if she doesnt reply because she doesnt know me why she replies in XXXX to a stranger who ask for her item availability? Second seller accused me to block her from XXXX. Attached the screenshot of the message in XXXX of seller asked why i block her. My questions are if i block her how come i receive her message? And the funniest thing is, She has XXXX dollar of my money why would i block her? Shouldn't be the other way around? 12. Attached here the copy of XXXX label, airway and commercial invoice filled by the seller that i received from XXXX XXXX. As shown the package value written by the seller is {$2700.00}. It match the total value of the PayPal invoice billed to me. Its undeniable evidence prove that i never receive any items in the PayPal invoice before. Therefore as recorded on my call with PayPal. Paypal will refund me total of full amount of the invoice {$2700.00}. Please crosscheck the commercial invoice with XXXX to confirm if the commercial invoice sent to me by XXXX that i attached here is a correct commercial invoice seller provided to XXXX. 13. Paypal change case filled on XX/XX/XXXX yesterday from item not received to item significantly different. How come PayPal justify its actions? Item returned to seller not even out from USA yet. Merchant can use it against me by saying im a liar. How come i claimed item significantly different if i never see it at all? 14. After that i immediately call PayPal and make a complaint about this. PayPal then change back the case to item not received. But its back to square one. Back to first step of dispute. Exactly the first step at XXXX XX/XX/2021 the first time i filled the case. Its dragging, twisting and just unjustifiable. 15. PAYPAL refuse to be responsible for their merchant invoice issued to me with excuse that its not an invoice eventhough the invoice has PayPal head logo on it. Paypal CS also asked me to provide additional information such as XXXX confirmation stating that seller already received her package back and send it to XXXX but yesterday when i spoke to the dispute specialist she said its wrong information as inbox not monitored but PayPal cs told me kust ignore the auto reply email because they will still add the additional documents. After that the specialist ask me to attach the additional information to paypal.com/il/uploaddoc. I did uploaded but she said she dont see any documents uploaded after that she asked me send to XXXX but then i also receive an auto response asked me to login and leave message. 16. I have reached out to upper management through XXXX but all of them no response and some of them read my message but ignore me. Attached the XXXX messages. 17. Paypal refuses to provide me full refund of the total invoice of {$2700.00}, despite there is a XXXX XXXX XXXX evidence which is commercial invoice seller provided to XXXX for the value of package that match the total invoice of {$2700.00} and cornered me saying that i keep bringing the value of invoice. I would like to ask CFPB which seller in conscious mind will send buyer a package with product valued at {$2700.00} when buyer only paid for {$1500.00}? 18. Paypal stated that {$1500.00} i paid not through invoice. When in PayPal APP shown clearly its paid through PayPal invoice. I dont know why every PayPal agent even specialist always say different from another and always try to escape from responsibility by asking me who is the agent that provide me such information 19. PayPal cs promised me that PayPal will go through this case and will provide me FULL REFUND OF THE TOTAL INVOICE OF {$2700.00}. Because proven that the value of the package match the value of the total invoice.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a personal Venmo account which I barely even use and when I do, I use it to pay back friends etc.. like EVERYONE! Venmo locked my account saying I'm in violation of their policy. Almost certainly a mistake on their end which is bad enough but what is unacceptable is I'm unable to speak with anyone about it at Venmo. Venmo 's response on a {$500.00} transaction that they declined ( said I cancelled but that is untrue ) is it may take up to 30 days to return the {$500.00} to my account. PLUS Venmo froze the additional funds I had previously transferred to Venmo from my back account holding these funds hostage without cause. The effect is Venmo has locked up {$1300.00} in funds on their mistakes with insufficient measures in place to address. Only response from Venmo beyond the above is they will contact me in 5-6 days additional business days ; meaning it could be as long 12 actual days before they even RESPOND!!! much less resolve. Venmo gets away with this because they hide behind one-sided arbitration clauses which hopefully will be illegal soon.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I opened PayPal case XXXX on XX/XX/2021 against a fraudulent transaction from XXXX where merchandise was purchased and incorrect delivered. On XX/XX/2021, PayPal incorrectly denied my claim after I had provided ample evidence that the merchant failed to honor their contract : the merchandise was purchased with XXXX Int'l Priority shipping to arrive within days, but the merchant sent it with economy shipping to arrive months late to an address I had moved away from and was no longer living in and had no intent of returning to, fraudulently pocketing the change. I attest under penalty of perjury that this is true to the best of my knowledge. Evidence consists of screenshots ( proving delivery time, and proving the merchant had allegedly acquiesced to a refund ). Verbatim text of paypal dispute originally submitted is attached. [ please redact all attachments and this sentence when publishing this complaint online, thank you ]
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been a target of a scam. I, at the request of an XXXX agent ( XXXX XXXX ), was asked to help transfer payments from buyers to the accounts of sellers whose Paypal accounts were not working. I was given a commission to help pay for the transfer costs. Having a past relationship with this agent, I agreed on a short-term basis to help out. I did not realize that both the buyers and sellers were either fake or stolen accounts until the buyers were requesting their money back. I then contacted XXXX XXXX about this and he guaranteed me he would get the sellers to reverse the payments. After this did not happen, I then put in a dispute on the payments to help repay back the buyers, in which he began to threaten me. It was not until the dispute to XXXX that his accomplices started threatening me. I have filed a case with the Federal Trade Commission to investigate this scam case : Report # XXXX. All the money I received, were not held in my account, but passed on to the sellers accounts. I have included the text messages between XXXX XXXX and I along with a record of the FTC report submission and any emails that are pertinent to the case. XXXX XXXX
Company Response:
State: IN
Zip: 46818
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Yesterday, XX/XX/21, I found the promotional rate for the Venmo Credit Card on their website ( XXXX XXXX XXXXXXXX ) They are advertising double cash back for the remainder of the year if you apply before XX/XX/XXXX. I followed the steps on the webpage in order to apply, but was not allowed to apply. Today, I attempted again. The help section in the app directed me to call XXXX XXXX, at XXXX. I spoke to two representatives there and they told me that I needed to speak to Venmo because I wasn't even able to apply. They gave me the number for Venmo, and I spoke to a representative and his supervisor, and they told me that I can't apply, and that the application isn't even available for their employees. I told them that is not correct, and they should not be advertising a credit card, and then not allowing people to apply.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
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: I prepaid for a car rental on the XXXX website. When i arrived at the XXXX store to pickup the representative stated that they did not accept reservations that have paypal cards. She said she would have to create a new one which i paid with my XXXX XXXX card and that i would need to contact customer service and they would refund the original charge. I have now contacted the customer service line 4 times and requested a supervisor. They have not refunded my charges so i have been charged now twice for this car rental. Each time i spoke to them they stated they are submitting the refund and i would receive it within 7-10 days. To this day i only received a credit for one day that i added on. They provided me two refund confirmation numbers XXXX and then the next call they gave me XXXX. I have also reached out via social media. If it's not resolved I will open a complaint with the CFPB. I have attached the final receipt paid with XXXX card and initial reservation. Paypal has not accepted any of the 4 attempts to submit a dispute online. The website says there is an error and i am unable to reach anyone. This charge was on XX/XX/XXXX for {$330.00}
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Purchased a product ( electronic floor cleaner ) from seller on internet. United States Postal Service confirmed something was delivered from seller but not to my address. USPS acknowledged that I was scamed as the seller used another tracking number and address. I filed complaint with PayPal and they said they could not refund the money ( XXXX ) because the product was delivered. USPS said that PayPal does not verify addresses from internet sellers and they often experience this type of scam.
Company Response:
State: IL
Zip: 61115
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A