Date Received: 2020-07-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: In retribution to a complaint filed with the CFPB and XXXX related to one of my business accounts, today, with no change/activity in account status Paypal has closed my XXXX XXXX account. This account has been limited previously, most recently when my other XXXX account was limited. I have always complied with Paypal 's requests, provided valid information, and paid a significant amount of money in fees to this horrible company. Today I received an email that stated that Paypal has decided to close my account without warning and their standard " terms of use ''. This is a clear move to punish me based on my other complaint and should be handled as such. They have now made it impossible to transact on multiple other services due to their unilateral bad faith and retribution.
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a customer on Paypal and he paid me on Paypal then I shipped him his item. After that he opened a " not as described '' dispute on XX/XX/2020 Case ID XXXX and {$5400.00}. after a long story we ( buyer and me ) came to an agreement. Buyer called his financial institution ( XXXX XXXX ) and closed the case my favor ( seller favor ), So in order to make sure that he is telling the truth I called to XXXX XXXX myself and they told me the case has been closed in my favor and Paypal has been notified since XX/XX/XXXX. today is XX/XX/2020 I contacted paypal so many times and they say they have not gotten any update. I'm sure paypal isn't honest with me and it's keeping my money illegally
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On the evening of XX/XX/XXXX, I purchased an item online using PayPal as means of payment. This is the first time I have ever used PayPal account. On XX/XX/XXXX, PayPal transferred {$39.00} from my bank account then immediately sent me an email stating there was unusual activity on my account and immediately locked me out of my PayPal account. All efforts to resolve the issue have been futile. My attempts to call PayPal regarding the problem have been futile. I have sent numerous emails to PayPal trying to resolve the issue and demanding a refund back to the same bank account they withdrew the money from. I keep getting messages about unusual activity on my account and to login to my account but it is impossible to login. I wrote to PayPal through regular mail on XX/XX/XXXX requesting a refund and for some one to contact me. PayPal has ignored my requests for a refund or any effort to a resolution.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Here is a brief timeline of events that I can access on the Venmo app. In short, two unauthorized devices accessed my account, resulting in a series of transactions that led to a net loss of {$890.00} from my account. Venmo 's user agreement protects me from unauthorized transactions, yet upon filing reports, Venmo freezes my account for a nebulous breach of their user agreement ( the reason is, of course, not disclosed, just like their investigation results ). - XX/XX/XXXX : A random stranger sent me two transactions of {$500.00} each. I did not notice this until later. - XX/XX/XXXX : 4 transactions totalling {$1800.00} were sent to a different stranger, who somehow got on my friends list. I also did not notice this until later. - XX/XX/XXXX : I attempt to use Venmo, and find it frozen. I talk to customer service via Venmo app to dispute the transactions and they inform me they have put an account specialist on it. - XX/XX/XXXX : I am informed via e-mail that my Venmo account requires verification with my photo ID. I provide it to them via their website, as instructed. - XX/XX/XXXX : An account specialist contacts me, who informs me they have reviewed my account activity and has denied my claim. Included in that email is that they are willing to review it if I provide them with additional information. I do what investigating I can ( which is limited because they refuse to help at all unless it is with an official police investigation ) and email him back with the following information : - I point out the specific transactions I wish to dispute again. - I give out logical explanations on why none of the subjects make any sense ( topics such as medicine for parents, birthdays, sisters ) and offer to provide documentation supporting my reasoning. - I ask that they check up on the locations/background of the two strangers, and tell them where I have lived for basically the past 20 years and offer to give them access to my social media and phone contacts so they can make sure I have no connection with them. - Venmo has a tab on the app showing " Remembered Devices, '' which shows generally the location and type of device that it remembers. I notice two devices from random locations added to that list, one from GA on XX/XX/XXXX and another from TX on XX/XX/XXXX. On both of those days, I am in XXXX, and I offer to provide proof of that. I have never traveled to either of those locations ( except maybe passing through GA long ago ). In addition, the only device I have ever sent money from is my one phone, though I have accessed Venmo from a couple of computers before. -XX/XX/XXXX : A different account specialist contacts me, telling me they have permanently frozen my account. I attempt to talk to a supervisor, escalate it, or reopen this case, but am given a canned response about how it can no longer be escalated and he considers the matter closed. In the process, I inform this account specialist that I am in the midst of talking to the other account specialist, but this one informs me the previous account specialist also already denied my claim. ***After sending MANY follow up requests for the rest of XXXX, giving ample time of about a week for responses, including requests for information about how to secure my accounts and information about the case, which were all ignored by the account specialist until I followed up on social media, I finally got two responses, each time prompted by social media requests. This shows blatant disregard for their consumers ' identity safety, but I digress*** - XX/XX/XXXX : All of my questions were ignored, and the only thing that was sent to me was referring me to tell the police to file for additional information online. ( This account specialist wants me to tell the police how to investigate a case? ) I immediately reply with my questions once again. *** I move to social media to prod for a response after two weeks, and also send an additional email on XX/XX/XXXX XXXX - XX/XX/XXXX : The account specialist once again ignores my question about how to secure my account and what information was accessed by the fraud occurring to my account. He finally responds that he denied my claim. The reference ticket for this exasperating chain of email was # XXXX with XXXXXX/XX/XXXX The other reference ticket freezing my account was # XXXX with XXXX XXXX. I have provided attached screenshots from the Venmo app, showing the unauthorized devices. For as long as I have had Venmo, I have lived in North Carolina, and all of the devices I used with it reflect that. There are also a series of 6 screenshots showing the unauthorized transactions individually, as well as 2 screenshots from my feed which shows them mostly consecutively. I have attached a screenshot of the scammer account 's friends, which are basically non-existent. The other scammer has no friends. Both of them have basically zero transactions besides the unauthorized transactions that I can see. These are clearly scammer accounts.
Company Response:
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sent some money to XXXX XXXX back in XXXX in three transactions for some products I never got, after trying to work with this seller to get these products the seller blocks me. I then dispute the charges with Paypal who says the charges are legit and that nothing needs to be done. Paypal has also on many occasions allowed people to hack my account and do harm to me, and to my friends.
Company Response:
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XXXX I made a purchase with XXXXXXXX using my Venmo card. I received an email this morning XXXX, stating that my account was frozen, due to insufficient funds for my purchase of {$11.00}. I traced it back to the XXXX purchase. I contacted Venmo customer support and was informed that I AM responsible for the declined purchase, even though the funds were in my account at the time of purchase. I was informed that normally after 8 days of a held payment, that Venmo refunds the amount, WITHOUT cancelling the purchase, and WITHOUT informing the consumer. I'd like to mention that it was 3days they held it before returning it to me instead of the 8 ) .nSo I inadvertently spent the payment I was unaware was " returned ''. *There is nothing in my transactions that even shows the purchase now, nevermind the return* Customer service told me I'm still responsible for the transaction even tho I wasn't wrong, and that my account will remain frozen ( and unable to close ) until I repay them for THEIR mistake. I was repeatedly informed that this was a final decision, and basically they can do whatever they want. I have unlinked my banks from Venmo, and am so upset that this is falling to me, who was unaware anything was wrong in the first place. I'm attaching my transcript with customer support. She agrees with me completely, but says the responsibility falls on me anyways. Thank you for your time and help in this matter, XXXX XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Letter dated XX/XX/2020 states I have a debt to PayPal, inc sent to XXXX XXXX XXXX, XXXX to collect. I logged into the site provided with the XXXX XXXX number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent PayPal account. I should not be responsible for this.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. My mailbox XXXX XXXX
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. My mailbox XXXX XXXX
Company Response:
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. My mailbox XXXX XXXX
Company Response:
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A