Date Received: 2020-07-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: In mid-XX/XX/XXXXXXXX XXXX XXXX started selling various new and used items on the popular website XXXX. As part of selling on the aforementioned website, XXXX XXXX XXXX was forced into using Paypal Inc. as a payment processor. ( The term forced is used here due to the fact that there is no other viable payment processor that is offered as AND to a seller on XXXX. ) On both sites the appropriate accounts were set up and operated by XXXX XXXX XXXX At various times both ( emphasis added ) organizations required verification of different aspects attributes of XXXX XXXX XXXX Normal ( and successful ) startup occurred by which XXXX XXXX XXXX was operating and running viable accounts on XXXX and Paypal.com. For nearly 6 months business proceeded well. Over 150 sales were successfully completed without issue. Many of the aforementioned sales came with encouraging feedback from the customers on ebay.com platform. This positive feedback is shared and stored on XXXX as well as paypal.com. Abruptly in midXX/XX/XXXX, without warning, notice, or any other kind of commination, Paypal inc severly limited XXXX XXXX XXXX account. The result of such was that XXXX XXXX XXXX was no longer able to sell and conduct commerce on the XXXX platform. Business came to halt, and again it should be noted that this occurred without notice and without warning. Numerous requests to Paypal Inc as to what the issues were went without answer or even a reply. When a reply was given it often did not give any answers or solutions as to resolving what the issues were. Soonthereafter, Paypal Inc informed XXXX XXXX XXXX that it intendted to drop XXXX XXXX XXXX as a customer. 9 ( see attachment ) The concern of this correspondence pertains to the following issue. After deciding to no longer do business with XXXX XXXX, PAYPAL INC, PUT AN IMMEIDATE BLOCK/ HOLD ON ALL FUNDS IN XXXX XXXX XXXX. Therefore, XXXX XXXX does not have access to the funds that are in their account. Paypal Inc. claims ( see attachment ) that they will hold all money for 180 days to reduce the risk of chargebacks and thus potential liability. Various state and federal laws and regulations do allow for such a 180 day hold. Such hold practices are based upon where reasonability is key and potential risk is thwarted. The current hold on XXXX XXXX funds are inappropriate and need to be removed and released because it is not reasonable that Paypal Inc. Is in any type of risk of chargeback. Through the several hundreds of sales that were put through this payment processor from XXXX XXXX there has never been a chargeback or any other type of erroneous billing errors from XXXX XXXX XXXX end. furthermore, many of the sales that were used to fund XXXX XXXX account have received positive reviews from such buyers. Furthermore, such aforementioned holds are not appropriate due to the fact that much of the money in thge account was derived from sales that have dated more than XXXX. Paypal Inc arbitrarily has chosen a 180 day benchmark for when they have claimed funds will be released. They refuse to tell me when such time frame has started or will end. ( In fact I have not been able to have Paypal Inc give me such exact dates in writing. ) All funding in XXXX XXXX XXXX account with Paypal Inc was derived from sales on XXXX. Many of the sales that XXXX XXXX XXXX had on XXXX occurred more than six months ago, therefore there is no risk of chargeback with said sales. It is demanded that Paypal Inc release the funds that are in XXXX XXXX XXXX account.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Paypal is not safe as it says it should be. I have a transaction amount of {$23.00} dollars and {$20.00} dollars. I try to reach out to them to file for fraud, was unreachable. I had to rely on help center which was a confusing site for me to file for fraud. I wanted my account to be safe and locked. No options were there as well. I want assistance via phone but they can not help at this time thats what they say when u call me. Im afraid of having my account getting hack, getting my money.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2020 I used PayPal to pay {$130.00} for XXXX XXXX feet wide Patio umbrellas. I received an item worth less than XXXX us dollar, eye glass cleaner by XXXX XXXX. I contacted the company XXXX XXXX, got no response. I contacted PayPal to dispute the charges as outlined in their buyers protection. PayPal has given me the run around on this issue. I included to PayPal the original invoice that shows I ordered large outdoor Patio Umbrellas, I included pictures of item received, XXXX XXXX. PayPal sent me another email on XX/XX/2020 that they needed more information, When I logged onto my PayPal account it said I needed to respond with more documentations by XX/XX/2020! .. It just seems I am getting the run around with PayPal now. I gave PayPal all the documents again and included the new report to the FBI online scam complaint also. This will be my 3rd time I have bought items online and used PayPal as the money service that it was part of a scam. So far in each of these times it seems PayPal 's buyers protection did not work in my favor or helped me. It just seems PayPal protection is just words.
Company Response:
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I transferred {$8300.00} to my bank account and i saw that someone changed my banking information. there was no was to call the company so i messaged them. they said the account was changed in 2015. i never noticed the change because i was hardly using the service at that time. they said there is nothing that they can do for me. I dont have any idea who this account belongs to. transaction number is XXXX and the case number is XXXX
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX, I tried creating a Venmo account in XXXX of XXXX for the first time. I was told I already had an account associated with my phone number. I sent an email in and got a return email stating I needed to send in my id and phone statement. I did that and got a response stating because of an issue on XX/XX/XXXX I will not be able to open an account. This is as a result of fraud. I have never had a Venmo account in my life. My bank account, social security number, credit cards were all compromised. This history does not belong to me!
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have been trying for 16 days to get access to money paid to me through PayPal ( PP ). PP is not doing live customer service. I have asked to talk to a supervisor and was told it would be " a long time before a supervisor would be in contact '' with me. The only way to get assistance is through messaging. I receive a message, usually once a day, coming in sometime in the afternoon. Each time it is a different person. It appears that none of them read the thread as I get conflicting instructions and information, each time. I am not able to access my money without linking my bank, but the system rejects me when I get to ( what I think ) is the last step of linking, which is adding my phone number. I have added my phone number into my account so why it is not able to access it or accept it is beyond me. Samples of advice I have been given : " After reviewing and validating your account, our system is not allowing this bank to be added on your account. Our system runs security check considering a variety of factors. For the meantime, please consider linking a different bank or perhaps you may try to link a card that you can use to withdraw your money. '' I bank with the largest bank in the U.S., so this is absurd. I am given instructions that ignore my statements about the error I receive. If it a complete joke. I am not able to transfer my money, nor get a check sent to me.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received another letter from XXXX XXXX, XXXX dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my PayPal account. I do NOT have a PayPal account. I have received previous letters in XXXX and contacted PayPal to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.
Company Response:
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020, someone accessed my Paypal account and made repeated withdrawals from my balance and by transfering money from my bank account into the Paypal account. Below, I will list each transaction number and amount. On XX/XX/2020, I reported this to Paypal, in a message of course, since they will not answer any calls. I explained there was only XXXX transaction for the entire month of XXXX that was not a fraudulent charge. I tried to follow the instructions on the website for reporting each transaction but the website would not allow me to do what the instructions said. Since XX/XX/2020, I have had every one of my the cases that were opened closed and currently, there has been nothing handled on any of the transactions except the one valid transaction, which was on XX/XX/2020 when my Mom, XXXX XXXX, sent me {$160.00}. They refunded the {$160.00} to my Mom. I have done everything I can to resolve this. Every time they close a case, it is not longer visable and I can not even get a case number to tell them what case was closed. At least the last time I was smarter and saved it when I first received a reply. I will also list it below. In every message, they say to allow 10 days. Once it is closed, you have to start over and that gives them another 10 days. I had fees to pay for college and am supposed to graduate in a week but now I have no money to pay my bill and will not be able to get my transcripts or receive my degree until long after everyone else does. I have a job offer but without my transcripts, they have to move on to another person. Here is the information for transactions that are not mine : XX/XX/2020 XXXX {$360.00} transfer from my bank account XX/XX/2020 XXXX {$90.00} Instant transfer using card XX/XX/2020 XXXX {$50.00} Instant transfer using card XX/XX/2020 XXXX {$45.00} Instant transfer using card XX/XX/2020 XXXX {$35.00} Instant transfer using card XX/XX/2020 XXXX {$32.00} Instant transfer using card XX/XX/2020 XXXX {$31.00} Instant transfer using card XX/XX/2020 XXXX {$29.00} Instant transfer using card XX/XX/2020 XXXX {$23.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$4.00} Instant transfer using card XX/XX/2020 XXXX {$23.00} Instant transfer using card XX/XX/2020 XXXX {$400.00} transfer from my bank account XX/XX/2020 XXXX {$31.00} Instant transfer using card XX/XX/2020 XXXX {$30.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$21.00} Instant transfer using card XX/XX/2020 XXXX {$20.00} Instant transfer using card XX/XX/2020 XXXX {$14.00} Instant transfer using card XX/XX/2020 XXXX {$150.00} Instant transfer using card XX/XX/2020 XXXX {$100.00} Instant transfer using card XX/XX/2020 XXXX {$150.00} Instant transfer using card XX/XX/2020 XXXX {$430.00} Money received XX/XX/2020 XXXX {$200.00} Instant transfer using card XX/XX/2020 XXXX {$230.00} Instant transfer using card Reference # for case closed without resolving : XXXX The last message I got from PayPal said they did not think that any of the transactions were fraudulent and they thought that all of these were mine. I have spent hours trying to contact them with information. I have asked for supervisor to call me and actually had a reply from them at one point saying to leave my telephone line open for the next 24 to 72 hours so someone could call me. I need help resolving this. My email address is XXXX and this is what I was told is used for account numbers or to identify my account. Please let me know if you have any other questions.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had made a purchase on XXXX. I need to file a dispute to this transaction because the seller posted a miss leading description of the item. Ive been trying to contact PayPal all weekend and still have not spoken to a single person yet. Theyre managing and controlling my money yet they make themselves inaccessible? How could you allow this to happen? PayPal is handling billions of dollars of other peoples money but they wont provide customer service. I contacted PayPal via telephone yesterday several times and each time it disconnected me and told me that a telephone agent was not available and to go through chat. I tried to chat feature. I sent my message they responded back many hours later. Obviously Im not gon na sit glued to my computer all day because PayPal wants to take advantage of its customers and not provide telephone support. I saw their response an hour after they made their comment and replied back. About 18 hours later I get my next response from PayPal. How the XXXX are they allowed to control my money without being regulated and they set the rules? How are they not forced by laws and regulations to provide telephone or face-to-face customer service even during COVID-19? Ill tell you exactly what PayPal is thinking The more difficult they make it for us to contact them when we have a problem means PayPal has to release if you were funds back to customers and doesnt get to keep as much for their own wallets. How can you allow this to happen?
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased an item for about {$100.00} using Paypal as that was the only way seller accepted payment. Turns out the seller was a scammer, he never sent me the item I paid for, he never responded to any of my many attempts to contact him by phone or email, he diconnected his phone, he opened up an identical scam on another web page again using Paypal. Paypal made it very difficult and time consuming for me to get a refund. Paypal send me a tracking number for the item and said that was proof the item was sent and I would likely not get a refund. Paypal never followed up to investigate the tracking number and to learn from the shipper that the item was never sent to me, that the item weighted less than 2 pounds rather than the 50 pounds it weighted, that the item was never sent by the seller. Paypal refused to speak to me on the phone after numerous attempts to contact them, Paypal did not respond to my questions asked on their chat line ( the only method allowed to contact them ), Paypal dragged the case on for weeks with no refund, Paypal finally offered a refund and the reopneed the case the next day. Paypal told me to get documents from the shipper when they did not exist. I felt Paypal was working only in the interests of the seller. Paypal customer service is non existent and they would not send me transcripts of all my contacts which had to go through them. After dozens of chat contacts, hours on the phone with no success, I finally got a refund but they still refused all efforts to learn more about the case. No wonder scammers seem to prefer to go through Paypal. I was never assigned a case number, the tracking number was XXXX and merchant was XXXX Paypal told me to contact their legal department if I had any issues with them. They had no effective or responsive customer service and left the customer totally out of the loop.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A