Date Received: 2020-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello - This is a rejoinder to the earlier case that had been filed with CFPB regarding my ACH transaction limitation via Paypal withdrawing funds from XXXX XXXX Account. The details of the earlier case filed with CFPB under the reference number XXXX There were two entities involved in the Transaction. One being XXXX XXXX XXXX XXXX and the other being Paypal. This is a transaction involving my XXXX XXXX XXXX XXXX and Paypal. I had registered on Paypal my XXXX XXXX Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by Paypal from my XXXX XXXX XXXX account. Subsequently i logged a incident with XXXX XXXX and Paypal on the same day. Later on XX/XX/XXXX XXXX XXXX XXXX credited this amount back into my bank account, so did Paypal on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to paypal Instead of enabling the process the ACH freeze had been put on my account. Had logged a ticket with CFPB to which XXXX XXXX responded stating that they had not imposed any ACH restriction on my account. I had to do my own research by calling XXXX XXXX XXXX post XX/XX/2020. XXXX which, i learnt that it was Paypal which had imposed this ACH restriction on my account. On XX/XX/XXXX I called up Paypal was able to refund the excess amount of USD XXXX via my DEBIT as Paypal had not enabled my Banking channel for the excess balance lying in my account. XXXX companies do not have the same set of rules that are being imposed on the banks. The fundamental question is on how did Paypal as a payment service provider allow a third party to withdraw funds without any adequate checks and balance. There is no two factor authentication mechanism in place to avoid such a fraudulent or unknown charge at Paypal 's end. Regulator 's need to take time out and protect ordinary Americans from such financial frauds from taking place.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing this complaint in respect to fraudulent activities carried out by PayPal in regards to my account. In XX/XX/XXXX, I cancelled my XXXX credit card ending number XXXX and I never updated my new XXXX credit card details ending number XXXX to my Paypal account. To make clear, I NEVER gave my new credit card information to PayPal. Additionally, I NEVER gave authorization for PayPal to use my credit card which I never gave to PayPal. However, PayPal fraudulently and unlawfully found my new XXXX card details and linked it to my account and charged an amount of {$4100.00} on XX/XX/XXXX. Thereafter, I again cancelled my new credit card on XX/XX/XXXX and I found on XX/XX/XXXX, PayPal again linked that second new XXXX card ending number XXXX. In fact, PayPal linked the new XXXX ( which I have not even activated ) only TWO DAYS after it was issued. Again for the second time, PayPal is trying to use a card which I NEVER gave authorization to use. This is fraud on the part of PayPal and it is illegal and it has engaged in criminal conduct which I am making this complaint referral both Federally and in the State of California due to violations of both State and Federal Law. Furthermore, PayPal did not impartially look at XXXX improper billing practices because XXXX is a subsidiary of XXXX. Thus, PayPal is not and did not conduct an impartial fair investigation with XXXX due to the fact that both companies have the same ownership. However, for your information, I will dispute all the invoices from XX/XX/XXXX to XX/XX/XXXX with XXXX in a separate matter. However, this particular letter is dealing with the fraudulent use of my credit card which I did not give authorization for PayPal to use.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: Someone sent this XXXX dude on my paypal XXXX twice and now its gone from my account. I didnt not athorize this payment and would like my money back.
Company Response:
State: KY
Zip: 40351
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: ginal Message -- -- -- -- -- From : XXXX. XXXX XXXX XXXX To : XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Fwd : Your PayPal case : XXXX case denied -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX XXXX To : XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Fwd : Your PayPal case : XXXX case denied To whom it may concern, I have filed complaints with FTC, police report , and XXXX complaint and PayPal complaints to explain I never authorized nor received any goods from this person. It is illegal to take monies and render no goods. My daughter whom has a XXXX XXXX is the only one whom had access to my card. She opened a XXXX account trying to buy an XXXX XXXX video game console. This seller began messaging her stating he was a teen who was bullied too and understood her was her new friend. That she could buy the XXXX XXXX with special apps on it and he'll mail it after she sends the money first. He promised to sell her XXXX XXXX and told her how to add my debit card to PayPal. Then told her how to send the money first to his email with PayPal. After that he will send her an XXXX XXXX with apps in the mail but once money was sent she messaged him ask when will she get it by mail and if they can play the game together as friends on XXXX XXXX. He then laughed called her XXXX and joked she's a XXXX that he got her to believe him and he just took mommys money and can wipe out the account if he wants. He stated she is XXXX for believing he was ever her friend. She was excited and crying hysterically mommy im sorry I just wanted to be cool she said. After this XXXX says she checked and the account she went to but he was gone. After trying to email him begging him to refund. He called her a XXXX, XXXX and made fun of her again stating she is so XXXX to give a stranger her mom 's card number. Immediately I call the police, then FTC online report, XXXX and then pay pal. I have not wronged anyone and can't believe if I recieved no goods and don't authorize paypal still can allow this person to commit a crime punishable by law and deny my claim to stop this fraud from another country!! The account says AUD I live in the US where this is very illegal. I'm calling the police again and this time XXXX and FTC to update that PayPal refuses to refund my money knowing I was stolen from by international scammer. I'm in awe and deeply hurt that law is not being respected in my case. I am requesting a full refund please again. PayPal to reopen case or send to CEO of PayPal to adjust this correctly. Once again it's legal to take money with no goods rendered. Respectfully, XXXX. XXXX XXXX Your PayPal case : XXXX case denied -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX To : XXXX. XXXX XXXX XXXX Date : XX/XX/2020 at XXXX XXXX Subject : Your PayPal case : XXXX case denied Hello XXXX XXXX , We received the case ( s ) you filed on XX/XX/2020. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, NE XXXX We're sorry for any problems you may have experienced with the transaction ( s ). Transaction information : Dispute Case ID : XXXX Transaction Amount : {$110.00} AUD Dispute Amount : {$100.00} AUD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thanks, PayPal
Company Response:
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had a charge for a recurring service with XXXX XXXX ( XXXX Texas ). After the park had stopped operation due to health concerns and regulations, the merchant continued to charge my account. Prior to the park closing, as well as after, I repeatedly tried to get the merchant to stop charging my card. I never ( as of XX/XX/2020 ) received a response from all of the given options to contact them. I then reached out to their online national chat support and was told that the parks are responsible for, and manage all memberships, and that national chat support can not. After a couple of class action lawsuits were filed XXXX XXXX set up an automated system to 'pause ' account until the parks re-open. That has paused the account going forward as a temporary solution. I requested Venmo to investigate the matter as I was no longer authorizing the merchant to charge my card. Venmo then requested more information all of which I sent as a reply to the email as was requested. They declined the complaint citing the requested additional information was never provided. I reached out to them again stating I did provide the information. They asked me to upload it a different way to re-evaluate. They then requested 'more ' information again most if not all was repeated questions with different wording. I sent that as well though. Again I was told I did not reply and the case was again declined. I reached out a third time and again was asked to upload the information a different way. I received confirmation they had received it and that the team would reply within 3 business days. I have received no response from either the person that forwarded the information to nor the 'team ' and it has now been over 3 days. I started this process with the actual date of XX/XX/2020 as the case opening and have yet to get either a reasonable and justifiable explanation as to why they feel XXXX XXXX was correct to charge the card, or a chargeback to the merchant. I have now requested an update from Venmo as well but feel that the roundabout information and claims that Venmo has made are improper to say the least. I would appreciate any support that can be provided regarding this matter with either the CFPB or the merchants involved.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On or about XX/XX/2020 I notified PayPal of a dispute I was having with a Seller who failed to provide the services for which I paid {$3000.00}. PayPal opened up a dispute case and requested a response from the Seller. On or about XX/XX/2020, PayPal decided in the Seller 's favor and closed my case. That same day I contacted PayPal asking them to reopen my case and to give me an opportunity to submit documentation supporting my case. PayPal had told me they would request documentation but never did before closing my dispute case. PayPal has not responded to my concern.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a kids water table from XXXX on XX/XX/20 and paid a total of {$52.00}, including shipping, via PayPal. After not receiving any order confirmations, shipping notifications or the product, I contacted the seller on XX/XX/20 via the Contact Us link on their site. No response. On XX/XX/20, I sent an email. Still no reply. On XX/XX/20, I logged into my PayPal account to find out how to cancel the payment. Thats when I noticed that the transaction showed a shipped status and XXXX tracking number, so I went to the XXXX site to track it. The tracking status showed the package had been delivered on XX/XX/20, but I had never received it. We have been at home under quarantine, so there was no way we missed a package that size that I had been waiting for. I submitted a lost package claim, assuming it had been delivered to the wrong house. I then noticed that the shipping info showed the package weight as 0.8lb, which I found suspicious. The water table by itself was about 12lbs, plus it came with accessories. At this point, I did a XXXX search for XXXX scam and ironically one of the search results was a thread on the PayPal Community page with hundreds of complaints about this company. Countless stories of people who have been defrauded out of their money, and PayPal continues to allow it. They have been put on notice many times and refuse to address the issue. https : //www.paypal-community.com/XXXX I immediately started my claim with PayPal, explaining all of these details. On XX/XX/20, I received an email from PayPal stating that my claim was being denied because they received tracking from the merchant confirming that the merchandise was delivered. Even more irony that on my daughters birthday, I was denied a refund for the birthday gift that never arrived. Whats even more insulting is that PayPal makes it clear that there is no appeals process and they make follow-up nearly impossible. I am livid that the so-called investigator had the nerve to state the merchandise was confirmed delivered when clearly the item that was supposedly shipped does not match up with the item I purchased. If a 0.8lb item was delivered on XX/XX/XXXX, it was probably thrown on the table into a pile of random mail. Ultimately, if it wasnt something I recognized or expected, it would have been thrown away with the rest of the junk mail. By XX/XX/20, I would not have been able to make a connection between something like that and the large vibrant toy I ordered. Today ( XX/XX/20 ), I went back to the XXXX site to check the status of their claim, but it showed the search had been canceled. I called customer service to ask what that meant. They informed me that the shipper had requested the investigation be canceled. Again, suspicious! Any legitimate seller would actually communicate with their customer and would want to find out what happened to the product. In this case, they already know, because they never shipped it! So, of course I couldnt let it go. I studied the tracking info some more. XXXX XXXX XXXX XXXX XXXX sounded expensive, so I decided to find out how much it would actually cost to ship the item I ordered. I pulled up the products package dimensions from the manufactures website and plugged them into the shipping calculator on XXXX site. It would cost approximately {$360.00} to ship that item via that method.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Irs stimulus check deposited on XX/XX/XXXX to my PayPal mastercard debit card and it has yet shown up in my account.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX, I received an email from Paypal letting me know I was being mailed a debit card to provide instant access to my Paypal account. As I almost never use Paypal, I assumed this was a scam and quickly dismissed the email. Two days ago, on XX/XX/XXXX, I received a follow up email letting me know that they had just mailed me a card. Angry, and confused, I researched online and found that others, dating back to 2019 have complained about this same issue. Not once did I give any sort of confirmation, or even hint, that this was something I was interested in. I am disgusted, and scared, that a company can open a debit card line in my name, opening myself up to fraud and potential hacking. I reached out first by phone, but their complaint department is closed due to Covid, so followed up online where all I was directed to was a mailing address for their legal headquarters in XXXX XXXX. I am writing this message in hopes others aren't targeted by this and potentially change how ever it is that they are allowed to do this, which I feel should be illegal.
Company Response:
State: CA
Zip: 910XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A