Date Received: 2020-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: If I could give PAYPAL A NEGATIVE 0 I would ... I have been a PayPal user for a very long time and have never had any problems with them at all as a buyer. Due to Covid-19 I decided to start selling items on XXXX for extra cash to support my family ( I am a mother of small children ) and everything was going well all up until PayPal decided to limit my account with over {$5000.00} inside. At first it was only a temporary limit ( so they claimed ) until I could provide them with all of the documents they requested which was a picture of my ID and proof of fulfillment to my customers. I provided PayPal with all of these documents and waited a few days for them to reply thinking that everything would be okay just to receive another email asking for more documents such as my Social Security Card and Invoices from my supplier for proof that I am paying for the items that I am selling on XXXX. Shouldn't XXXX be worried about things like this? Anyway I replied to that email as well with a picture of my social security card and the invoices from my supplier and waited a few more days for them to reply back again. This second email from PayPal had me completely ( heart broken and devastated ) FOR NO REASON AT ALL they said my account had been permanently limited and I could no longer due business with PayPal in the future and that they will be holding any available funds in my account for 180 days. This is completely insane and fraudulent, how they are able to continuously do this to people and get away with it. I worked hard everyday to earn that money and they are keeping it away from me for no reason at all. If there were any problems with my account why didn't they inform of this before? The problem only came in once I tried to withdraw the funds from PayPal and add them to my own bank account. I DO NOT CARE TO DO BUSINESS OR HAVE ANY ACCOUNT WITH PAYPAL EVER AGAIN BUT I WOULD LIKE FOR THEM TO RELEASE MY FUNDS. The {$5500.00} that I worked my XXXX off everyday for and earned is what I want because it belongs to me not PayPal and they shouldn't have any rights at all to hold it for 180 days. This is ridiculous I do not and would not ever recommend PayPal services to anyone. I have moved on to another marketplace which I am happy with and XXXX also allows me to continue to sell. I can not believe PayPal is doing this to hundreds of people and nothing is being done about it.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On, around, or before XX/XX/XXXX, I received an email from PayPal stating that my password has been changed. Being that I have no logged into this account in well over 6 months, I know for certain that it was not me, nor did I grant anyone access to make any changes to this account whatsoever. Being that I have completed the " Fraud Victim Affidavit '' due to my identity being used in and or on other platforms without my authorization, this type of occurrence may have transpired due to the access of all my accounts, emails, messages, passwords, contact information, etc. being in the hands of an unknown person.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have been operating business as usual but I have had a higher transaction volume and amount. The account was asked to provide more info to verify, fine I did that. Minutes later, it had to be automated my account was closed. Now I have to await up to 180 days for the money. MY customers have paid for orders, I have inventory to buy. MY family is now being effected, I am being effected, my business, wellbeing, mental health. I need my money so I can continue to earn money and do business. I have upset customers now and it Is because someone is holding MY money.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2018, I tried to transfer {$2500.00} to my friend, XXXX XXXX, through PayPal. Transaction ID XXXX PayPal locked her account and now the money is just stuck in her fund. She can not refund it to me because the exchange rate made it XXXX XXXX lower than the original amount I sent her. We have tried everything with PayPal to get them to release the funds ; it's been over a year and still nothing. At this point, she just wants to refund the money to me through PayPal and be done with it.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Other service problem
Subissue:
Consumer Complaint: paypal is refusing me service based on my race, ethnicity and origin. In XXXX I tried to add money to my paypal account and the transaction was not allowed by paypal. so I called paypal the same day and asked why my attempt to add {$500.00} using the add cash at a store feature via XXXX. the customer service rep, whom was not in the US, stated we flagged your account because XXXX people in the US normally don't send as much money as you have recently. In response, I said I wanted to speak to a supervisor in the US and was refused. Today, I again tried to add money at a XXXX and the transaction was not honored. Paypal outsources its customer service to foreign countries which agents make racist remarks and engages in practices that are aimed at depriving US citizens access to its services based on an individuals race. For the last 30 days I have tried to add money to my paypal account at a XXXX and paypal has refused my transactions atleast 15 times, including today XX/XX/2020
Company Response:
State: KS
Zip: 66605
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, an individual caused a {$240.00} wire transfer to me via our respective PayPal accounts, after I sent her a " Request '' for the funds. Neither she nor I are in business and the transaction was purely personal, as I was in need of funds. The transfer was completed on XX/XX/XXXX, under confirmation/transaction ID # XXXX. Immediately thereafter, I received an email alert from PayPal informing me of the successful transfer ; but also informing me that an " up to 21 day hold '' would be placed on the funds. PayPal immediately deducted its {$7.00} fee. When I inquired as to the reason for the hold, I could not speak to a live person, but only a " virtual agent. '' As an aside, this was only me second ( and VERY FINAL ) transaction with the same individual. The first transfer was without incident, with no undue delay. However, with regard to the transaction at issue, I was told that PayPal needed to hold the funds as a policy, to ensure that there were sufficient funds in my account in the event " the buyer ''??? had an issue with the goods that I was " selling. '' Again, the transaction was entirely personal and involved no business of hers or mine. I was then instructed to direct the woman to log into her own PayPal account and report that " the goods were delivered '' or " services received '' which she did. An hour later, I received an email indicating that " your funds are available ; '' however, when I transferred the funds to my bank, a message appeared, " Transfer Pending '' and further, that the transfer would take XXXX hours. Again, vis-a-vis my first PayPal transaction, the transfer was immediate. I believe there is sufficient evidence that PayPal 's " hold '' policy is nothing more than an unlawful attempt to earn interest on " held '' funds -- -- funds that should not be held at all. Imagine if PayPal had XXXX other " customers '' like me? That would mean that PayPal would be earning interest on {$240000.00}, for 21 days, without paying its " lenders/customers '' for the use of the customer 's funds. This MUST be a crime. Section 1962 ( c ) of the RICO Act makes it " unlawful for any person employed by or associated with any enterprise engaged in... interstate... commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise 's affairs through a pattern of racketeering activity. '' Subsection ( d ) criminalizes a conspiracy to violate one of the other subsections of 1962. Section 1964 ( c ) allows a private party, who has been injured in his property from a RICO violation, to sue for damages. To state a RICO claim, a plaintiff must show " ( 1 ) conduct ( 2 ) of an enterprise ( 3 ) through a pattern ( 4 ) of racketeering activity. '' Sedima, S.P.R.L. v. Imrex Co., Inc., 473 U.S. 479, 496, 105 S.Ct. 3275, 87 L.Ed.2d 346 ( 1985 ) ( footnote omitted ). By this legal standard, PayPal is clearly violating the RICO statute, as well as the Missouri Merchandising Practices Act ( " MMPA '' ) and several other statutory and common law torts. Please investigate this practice. PayPal 's own internal message board is replete with similar horror stories. Does anyone care?
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Paypal accused me that I owe them money from another Paypal Account that was opened fraudulently the negative balance was {$440.00} I'm a victim of Identity theft!!! I filed a Identity theft complaint to the Federal Trade Commision included is the fraudulent claim Paypal Account was opened in my name. I also contacted the Consumer Financial Protection Bureau about the Fraudulent account and how you withheld money from my account without my consent due to Identity theft. I forwarded all my documents to my lawyer, If the limitations and my money isn't released expeditiously I will sue PayPal and take Paypal to court. This is not a threat or intimidation tactic to gain access to my MONEY. Looking forward to hearing from you and this issue will be resolved without legal action!
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My computer was hacked and someone went into my XXXX and made 2 purchases that come out of my personal checking account and also went into my paypal and sent themselves XXXX also out of my personal checking account. Both XXXX and Paypal was linked to my personal checking account. Whomever done this also done 2 transactions off of one of my credit cards. XXXX is actually what alerted me by email that someone might have hacked my account and they shut down my account immediately. They stopped all purchases and automatically refunded transactions I have not been able to speak with them not once but they knew this was not me and shut it down immediately and refunded the transaction. I immediately called my personal bank because I have XXXX and Paypal charges and I disputed them and they automatically removed them because they also knew this was not me. Well immediately the morning of XX/XX/20 when I discovered this I automatically completed and unauthorized transaction with Paypal. They denied this due like transactions and stated this was not unauthorized. The person that completed this sent themselves XXXX out of my personal checking account why would paypal not wait until funds were authorized before sending money but I am guessing they did not. I was contacted on XX/XX/20 concerning negative balance because my bank returned payment and I have appealed this 3 times and they keep denying. I have all proof this was not me I can send whatever needed but when talking to someone on message center due to can not talk to anyone one by phone you ask them what they possibly will need to prove this and I am getting nowhere. I have money in savings in my paypal account and now that they have my account showing XXXX negative I can not even get that out. Which I am not to much worried about the savings I need to have this fixed on the charge for XXXX this transaction was in no way me and I need help to get this removed from account. I have attached a copy of the transaction with Paypal, the denials from Paypal, Proof from my bank, Proof from my credit card, email from XXXX alerting me of fraudulent activity and I am also attaching a letter that I sent to Paypal XX/XX/20.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Paypal is telling me that I have a debt of {$32.00}. They never sent me any emails about this. They simply said that they sent an email that my bank account was not going through. I never received a single noticed that I had a debt. I thought that I updated my account. I called in today. They said they sent it to a debt collection agency. I never received notice from paypal that I had a debt in the first place. No way I could have paid a debt I didn't know I had.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Message Center New ACTIVE XXXX XXXX Customer Support Yes, I understand that it is a direct deposit. Messages are available in the Message Center for 90 days from the day originally sent. If you would like a copy of any messages prior to that timeframe, please contact us. PayPal Virtual AgentXXXX XXXX Hi! I'm PayPal 's Virtual Agent. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. If I can't help, I'll transfer your message to an agent. XXXX XXXX XXXX Where are the Stimulus funds should be deposited by now PayPal Virtual AgentXXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please type need more help ''. What is Funds Now and how does it work? What is FDIC insurance and how does it work? How do I set up Direct Deposit to receive the economic impact payment in my account with PayPal? XXXX XXXX XXXX Need more help PayPal Virtual AgentXXXX XXXX I can transfer this conversation to an agent. The estimated response time is a few hours. Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. After I transfer the conversation, you can close the window and come back to it when its convenient for you. When we respond, well send you a notification with a link to the Message Center where you can reply. Would you like to transfer this conversation to an agent? XXXX XXXX XXXX Yes PayPal Virtual AgentXXXX XXXX Please send us a detailed message below and an agent will respond as soon as possible. If you have a related transaction ID, date, and amount, please include it here. XXXX XXXX XXXX Stimulus checks have been released whats the hold up You are now connected to XXXX XXXX XXXX Thank you for contacting PayPal. My name is XXXX and Ill be assisting you with your concern today. If you already set up Direct Deposit to send your latest tax return to your PayPal Cash Plus account, and you don't have a negative balance on your account, you don't need to take any action. To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account. If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number. It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX I have full knowledge the stimulus is there, I hope PayPal is paying interest to millions of Americans that use this service to receive direct deposit. Besides the fact that its actually against FDIC regulation. You are now connected to XXXX XXXX XXXX Hi My name is XXXX and I'm going to help you! Please give me 2 minutes while I review your previous conversation. To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account. If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number. Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX You already know I have an account and card. PayPal is i paypal is dead wrong for having people wait unnecessarily out of pure greed and negligence hope theres an investigation and PayPal goes to top of list Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX XXXX XXXX XXXX XXXX Wheres the money????!!!! You are now connected to XXXX XXXX XXXX Hi XXXX Do you have reference ID for the deposit made to you by Stimulus? It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. Our agent will respond to your message within an hour. XXXX XXXX XXXX Ref id? Its direct deposit I plan to file a complaint with the FDIC its against the law to NOT deposit funds when theyve been there since last week actually XXXX XXXX XXXX The DOJ also needs to know about this You are now connected to XXXX XXXX XXXX XXXX???? XXXX XXXX expecting any such deposits will have to setup direct deposits with IRS by providing them PayPal Account and routing number. It will take 3 to 5 business days for the deposits to appear. Any additional question https : //www.irs.gov/coronavirus/economic-impact-payment-information-center XXXX XXXX XXXX I expect funds to be available no later than open of business XXXX XXXX CST XXXX XXXX Please refer to the above website XXXX XXXX XXXX Already did that If you notice the FIRST screen shot has my account number What? XXXX XXXX Then it will take 3 to 5 business days for the deposits to appear XXXX XXXX XXXX So PayPal has no answer? ITS DIRECT DEPOSIT Why will it take an additional 3-5 business days DIRECT DEPOSIT XXXX XXXX Please allow me 2-3 minutes while I check XXXX XXXX XXXX Its NOT a check Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. XXXX XXXX Yes, I understand that it is a direct deposit. XXXX XXXX XXXX So it is DIRECTLY deposited
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A