Date Received: 2020-04-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: 1.Paypal/ XXXX bases decisions for approval for the Paycheck protection program ( CAREs ACT ) on personal credit even though the Act, SPECIFICALLY does not allow for this. 2. PayPal / XXXX Initaially denied ALL applications for businesses applying for PPP program based on their income, lower income business requesting lower price loan generate less fees for PayPal so they denied these low profit margin loans initially automatically only minutes after application 3.payaplXXXX XXXX made no good faith assessment whether the client is acceptable to apply under the program and failed to check the identity and credit worthiness Of applicants under the PPP program. Misleading denial letters and false Information supplies by PayPal indicates they processed applications as required by law when they infact DID NOT, and merely sent denial letters for a variety of reason such as unable to verify identity, credit score too low, and many other baseless reasons I applied for the PPP program with PayPal however they immediately kick back my application and send me a denial letter. They are screening loans based on the price they would make and also using personal credit as a basis for decision ( which is expressway forbidden by the CARES act ), and when those two methods fail they simply state they couldnt verify your identity or your document is incomplete. This is a pattern of favoritism and discrimination against lower income loan applicants to a program which is federally funded and guaranteed.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: PayPal authorized a three year auto-renewal to a magazine subscription. When I disputed the transaction, they supported the merchant and paid the debit. I explained that the auto renewal was from three years ago and is automatically put on the account. The magazine did not notify me of the auto renewal prior to debiting my account. I was not aware it was on auto-renewal. It was my understanding that PayPal protected their customers from deceptive activity as any merchant can say the account was on auto renewal. They provided me no evidence I agreed to the auto-renewal, but gave me a PO box to write to if I wanted it. Now I have to send another written request to gain access to their evidence?!
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sent money through paypal XXXX was the total.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem adding money
Subissue:
Consumer Complaint: On XX/XX/XXXX, I tried to use my PayPal to cash a check mobilly. PayPal has partnered with XXXX money services to perform these tasks. I entered into my secure PayPal app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from XXXX with the PayPal logo that they were ready to deposit the money into my PayPal, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure PayPal app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called PayPal, who told me they could do nothing and to call XXXX. I called XXXX and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check XXXX sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, PayPal will do nothing and XXXX is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. XXXX should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.
Company Response:
State: CA
Zip: 95945
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal limited my account for insufficient reasons. I sold three items this month on XXXX and the only payment option is Paypal. I received payments from buyers and can not touch the funds because of an account limitation that is baseless and unfounded. To " lift '' the limitation, Paypal asked me to verify my identify using four different methods. I completed three out of four, the fourth one is impossible to complete on my end and has zero to do with proving one 's identity. They insist I jump through impossible hoops to get my money, which is an insignificant amount to begin with! These are hard times, and I sold personal assets to make some spare change and Paypal is holding it, why? I appreciate any help, thank you.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX around XXXX XXXX an ad was posted on XXXX for a switch bundle for {$210.00} under the account name XXXX XXXX. I showed interest in the product and they asked if I could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after I had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from depop. I am now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. I have reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX XXXX to file a claim on a fraudulent transaction.
Company Response:
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Paypal fails to properly police the retailers that use its service as a pay provider. Complaints are not handled promptly during possible fraud. Paypal fails to properly police the retailers that use its service as a pay provider. Complaints are not handled promptly during possible fraud. On XXXX I made an online purchase from a retailer, XXXX using XXXX purporting to sell reborn dolls. I only found out after paypal sent payment to XXXX that the seller called XXXX XXXX XXXX XXXX was not from alaska, usa making reborn dolls and was not named XXXX XXXX XXXX XXXX XXXX XXXX, but actually used the name XXXX which is also a false businessness and after researching this business they are a fradulent business out of XXXX, XXXX which also runs under the name of XXXX XXXX XXXX XXXX XXXX Once I realized I had been scammed, I immediately tried to call the numbers, one of 5 they offer on 5 different sites with different names then I disputed the charge with paypal which was {$110.00} total which paypal already sent to the fradulent seller with the paypal email of XXXX @ XXXX. Paypal after being told the seller was fradulent refused to refund my money even though only a few hours had passed and the fradulent seller 's emails all bounce back and all their numbers are fradulent! All phone numbers for the company are registered VOIP numbers in the US and not to their location in XXXX. I also did some online searches and found the business to be fraudulent as well as numerous XXXX complaints. Most complaints suggested they also used Paypal for payment and that all had issues with Paypal making refund. I tried to initiate a compliant thru Paypal hours after the purchase through resolution center to avoid loss and harm and they refused to refund me. Paypal has been aware that this retailer has been using their service improperly and perhaps fraudulently for six months or longer. They had not shut-down the seller nor expedited the complaints and ask for refund. Had I been able to speak with someone at Paypal, and expedite the claim, then perhaps I could have received a refund. Unfortunately Paypal makes any complaint cumbersome to initiate and immediately refused my refund. Paypal receives remuneration from the seller and its rules favor the seller even when clearly consistent complaints and possible fraud should have been detected. Its impossible to chat, contact, add supporting documents, or get additional assistance thru email from Paypal. Had Paypal took the responsibility to review the business information, and done further due diligence on this fradulent seller and their fradulent website ( s ), others would not have been taken advantage and neither would I. Paypal has an obligation to protect a consumer and not immediately refuse to refund money when they knew the seller was fradulent when they are given proof by a person! Account ID : XXXX - Transaction ID I tried to call paypal and was hung up on four times, contacted them by email to XXXX and each time I get an automated response, tried to contact them on XXXX to let them know I was scammed, my money taken out of my paypal plus account and I never recieved the items I thought I was purchasing and their so called customer service people tell you to submit a document to them and then they completely ignore you when you do. There is no way to get from this company with online ecommerce fraud and online website fraud! Then when you make a negative yet honest post to their XXXX page trying to seek help, they just keep deleting it ( they did this 15 times and I have proof ) which is in direct violation of the consumer protection law. Congress unanimously passed the Consumer Review Fairness Act to protect people 's ability to share in any forum their honest opinions about a business ' products, services, or conduct. Some companies had been using contract provisions - including their online terms and conditions - to threaten to sue consumers or penalize them financially for posting negative reviews or complaints. The new law makes that illegal! Any company that blocks an honest review no matter how negative on any forum is in violation of the law.
Company Response:
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Can't use venmo can't add a new card
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased a round-trip flight ticket from XXXX through paypal. The amount is XXXX. However, the returned flight was cancelled finally by XXXX XXXX. On XX/XX/XXXX, the XXXX XXXX refunded the ticket price {$200.00} to XXXX. After that, I phoned XXXX to refund the money to me. They did not. This is part of the fraud. They promised that they would refund me but they did not. Also I paid for something I can not have. On XX/XX/XXXX, I opened a case to dispute half of the total ticket price ( {$220.00} ) since the flight was cancelled. Case number is XXXX. On XX/XX/XXXX. paypal sent me an email to claim that " We changed your case reason for XXXX ''. On XX/XX/XXXX, the case was denied by paypal. I contacted them for the reason. The representive XXXX indicated that the reason for losing the case is due to the wrong filling reason. So it is totally a trap or a game. I changed your reason for filing and I denied your case due to the wrong reason. As we all know, each transcation could be claimed twice and Great! one has gone. I can not understand why and I need explaination, Or this is the fraud. Paypal helps other sellers to take my money and keeps playing a key role in this fraud. The following is the chat. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Thanks. I really cound not understand your decision. The money was sent back by XXXX XXXX to the passenger. They took my money. XXXX XXXX In this case, it does look like the claim was switched from a Non-Receipt claim to a Not as Described claim, which this wouldn't fall under. That is why the claim was denied. My option would be to have us refile this under a Credit Not Processed claim since this is regarding a cancelled flight. XXXX XXXX XXXX I did not do it. you did it XXXX XXXX I do apologize for any confusion. I'll go ahead and get it refiled under the appropriate reason code. XXXX XXXX XXXX Hello XXXX XXXX XXXX Thanks for contacting us about your case. Based on the information we received we are changing the reason for filing this case. You submitted your claim because your item or service was significantly different than originally described. We will continue to investigate your case and we'll let you know if we need any further information. Transaction details : Dispute Case ID : XXXX Transaction Amount : {$440.00} USD Dispute Amount : {$220.00} USD Transaction ID : XXXX I reported that I did not have the item or service but you changed it. Really thanks for your help. XXXX XXXX Alright, so now that the dispute has been refiled and escalated, the seller has 10 days to reply to us with a valid explanation or a refund authorization. If they don't respond, you will be eligible for a full refund on the 11th day. For now the best thing to do would be to keep an eye on your emails and we'll reach out to you as soon as we have any updates for you. Until then, is there anything further we can assist you with, XXXX? XXXX XXXX XXXX I do not have any further questions. Is there anything that I should submit for the case? Thanks for your help and understanding. XXXX XXXX At this time, no, if we need anything else, we'll reach out to you by email. It was my pleasure assisting you today, XXXX. I'm glad I could get you on track towards a resolution. Thank you for taking the time to contact us! We do truly value you and I hope that you have an excellent rest of your day. If you have any questions down the line, please feel free to contact us! It looks like you may have stepped away from our conversation. That's okay! Please check any previous messages and if you need to reply, well connect your message to the next available Customer Support Team Member if the previous Team Member is not available. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On the same day, the representive re-submitted the case for me. On XX/XX/XXXX, anohter representive changed the case reason again. The reason for the 2nd claim was not sent by myself but by the representive XXXX. On XX/XX/XXXX, paypal denied my case again since they thought the service has been rendered. However the flight was cancelled. The key points make me think I was treated unflair are : 1. Why paypal changed my case reason again and again. Also the change make me lose the 1st claim directly. 2. When the 2nd claim was denied, I contacted paypal again. I pointed that the flight was cancelled and there is no way that the service could be provided. However, they did not take any explain and just want to deny the case. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Regardless of the flight being canceled, we are going to deny the case and appeal. You will need to work with your bank or the merchant on getting this refunded. XXXX XXXX XXXX I still can not understand. Even if you want to deny the case, you need to provide me a reason. XXXX XXXX This is a credit not process claim meaning the seller promised a refund but never issued one. The services were rendered by the merchant which is why we are denying this claim and appeal. I have provided reasoning on this but you are not liking the information I am providing. We are not going to reopen this case or reverse the funds back to you. Please work with your merchant or contact your bank. XXXX XXXX XXXX The services were rendered? How you told me you need to contact 2 parties. I just wonder how you know that the service has been rendered XXXX XXXX I have told you information was uploaded by the seller in reference to what was provided. XXXX XXXX XXXX OK if I can send you the proof that the service did not rendered. XXXX XXXX We will not use this proof for the case as we are denying the appeal. XXXX XXXX XXXX Will you accept it now? No one contact and ask whether I got the service OK The service did not been delivered. even if I can prove you are wrong and you will not receive it? XXXX XXXX We are not seeking any information for this claim as we are going to deny the appeal. Please work with the merchant on getting this refunded. If you have issues doing this then you can work with your bank on disputing it which is why I mentioned both. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Finally I do think this transcation is a fraud since the seller promised my refund on XX/XX/XXXX but I did not have any refund now. Also they have different excuse and different decision for each email. Paypal as a money service provider, did not follow the guideline from DOT to provide refund for the cancelled flight and also support the seller to steal money from the customers. Also as the finally chat with XXXX, the representive, the information was uncleared. He told me that they took the evidence from seller that the service was rendered. However, I already sent him the evidence to paypal - a receipt from XXXX XXXX to show the refund due to cancelled flight. Paypal did not hold its responsiblity to protect the customer 's wallet. I can not understand my experience. I do think that paypal, or some employees in paypal, did a heavy discriminative, unreasonable and illegal decision on my case. Until now, I have attached a screenshot to show how many emails I have sent to XXXX for the refund. Paypal did nothing on it.
Company Response:
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I notified Paypal of an authorized charge on XX/XX/2020 of {$1900.00}. I contacted Paypal, notified them immediately, also blocked all Paypal charges from my financial institution immediately. They did not block the payment and now saying I owe them {$1900.00}. No way to login as they locked my account and only way to message is by logging in. I tried calling and emailing numerous and no replies.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A