Date Received: 2020-04-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On or about XX/XX/2020 I filed a dispute with Paypal about one of their merchants. I provided Paypal with massive amounts of information supporting my claim. They took well over 10 days to respond to my dispute without reviewing my documents and decided to close it. I appealed it and they came back with another closed case. Their reason was I chose the wrong dispute reason. I tried to change the reason and Paypal only gave me one option to choose and I chose it. After having done that It took them less than 10 hours to close the case permanently. I called and they have no customer service agents, I even sent a message through their online message portal and I have gotten nothing back from them regarding my dispute. What happened was on XX/XX/2020 I purchased a service from one of their merchants in the amount of XXXX. On XX/XX/XXXX the merchant canceled the service and did not return my funds. I contacted Paypal about it and they have not been willing to work with me at all. I can speak to no one, chat with no one, I have contacted the merchant and they are non responsive as well. PayPal is supposed to be a safe and secure way to pay for items and I have taken advantage of by their merchant with no resolve from them. I am contacting CFPB for help in this matter as Paypal had neglected their oath as a responsible party in this matter. Paypal gets a cut of the money I extended their merchant I am just trying to get my funds back. That is all seems like extortion. Please help!
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. I rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . I am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. Well its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. I need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi, On XX/XX/2020, I sent money via " friends and family '' using PayPal 's service to someone who turned out to be engaging in fraudulent conduct. This person was believed to be associated with my sister 's church and I was transferring money for tickets to a XXXX conference. After sending the funds, I was provided with a link that would not work for the tickets I had paid for. The name on the person 's PayPal account was also different than the person I believed I was purchasing the tickets from. I immediately contacted PayPal when I realized that I had been scammed and they told me they couldn't help me as it was a " friends and family '' transaction. They suggested that I contact my bank, which I did and put and stop payment on the funds coming out of my checking account. The funds were only briefly taken out, but then returned to my checking account. I then filed a dispute with PayPal as my PayPal account was showing a negative balance. PayPal claims to have reviewed by account and has closed the case. They are permitting this individual to scam other people. I would like assistance in crediting my PayPal account, but most importantly, I would like to have this person stopped as PayPal hasn't done anything to prevent it from happening again to someone else. As you can see in the messenger thread I've attached, the person providing the tickets was " XXXX XXXX '' but the name on the PayPal account is " XXXX XXXX. '' The person took themselves off XXXX XXXX shortly after the event occurred and I was unable to reach out to them. I have made XXXX aware and have also filed a complaint through the FBI 's Internet Crime department just yesterday.
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2020, I received a letter from PayPal, dated XX/XX/XXXX, stating that I was automatically being signed up for a credit card and that it would be sent unless I opted out via there website. As far as I know, it is illegal for someone to issue a credit card in your name without your consent. What if I didn't get the letter, or not in time? If this is not illegal - it should be. I'm sure I'm one of millions who received the same letter. This must stop. Please stop them from doing this.
Company Response:
State: WA
Zip: 98155
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, this happened XX/XX/2020 for {$100.00}. This was a transaction through pay pal. I was making a transaction with this guy over discord. This was about BTC which he seemed promising, to where he even provided vouchers saying that hes a valued seller. As time went by he started getting less patient with the time we had to wait for the transaction to happen. This started to seem sketch but the gullible person Iam I just went along with it. Next thing I know as soon as the money gets into his account he blocks me ... I then took this up with pay pal. Pay pal tells me that they cant help me in any way due to the fact it was sent over as family and friends. ( This guy that was selling me BTC said how it doesnt matter if I put family and friends, itll go through faster. ) I have proof that this guy just took my money and ran off and I believe with that information pay pal should most definitely help in some way with that information. The conversation was lengthy as he tried to keep me occupied but if more photos are needed I will gladly provide them!
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I used the PayPal service through the seller of an apparel product. I did not receive the merchandise until 3 weeks later. When I received it, of course it was nothing like it. The online store was in the US but the shipment was from XXXX. I contacted the seller via email, no response, via phone no response, when I went to the website it was taken down. I alerted paypal of this incident they opened a dispute, then sided with the seller because the seller claimed they sent it. I opened it up again they rejected it because they needed more information. Finally after the 3rd time trying to dispute this, this is when I got an email from the seller and they said it was an accidental mistake and that if I could just ship back the contents they would give me a refund, however they wanted me to cover the shipping cost. It was their mistake. It costs {$50.00} to ship it to XXXX. the value of the product was for {$XXXX} to which as of this posting I still have not recovered. Paypal says I must reply with a tracking number or they will close the case and side with the seller. they expect me to pay for shipping on a fraudulent seller instead of handling it with the seller instead of me. I fail miserably to understand how correction of fraud on the sellers part constitutes loss of money on my part. Here are the number of disputes : XXXX Other Closed XXXX XXXXUSDXXXXr XXXX, 2020 Case Resolution Decided in seller 's favour XXXX OtherClosed XXXX XXXXUSDXXXX XXXX , 2020 Case Resolution Decided in seller 's favour XXXX Item not as described Need Seller Response {$110.00} USD XX/XX/2020 XX/XX/2020
Company Response:
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. I clicked to accept the {$1.00}. At XXXX XXXX the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. As I told Venmo, they are " incompetent AT BEST. '' Please help.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On Wednesday XXXX XXXX a payment was made via PayPal from XXXX XXXX from his stored PayPal balance to my account under XXXX. The payment was made in error, was not requested. He tried to cancel the payment and was told via email that I had to reject the payment. I have NOT accepted the funds and according to PayPal online support my only option is to refund the money less an XXXX $ fee they automatically charged. I have tried with three different agents to cancel the transaction as a whole and restore the balance to the senders account. They are trying to force me to accept the funds because it was completed despite showing as pending. The transaction ID is : XXXX. According to the sender its still showing pending on his end. If I wait 30 days the transaction will automatically cancel and return funds to sender less the fee. PayPal will not waived the fee despite it being an errant transaction. I will NOT accept the funds as I believe this will void my ability to fight their policy. I have NOT accepted any terms and conditions to automatically receive funds and they have not provided me proof of it either.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom it may concern, My name is XXXX XXXX I currently hold an account with the paypal On XX/XX/XXXX I checked my paypal account and it said i was negative - {$300.00} I called paypal up and spoke to an agent she advised me that on the XXXX of XXXX paypal received a withdrawal from a consumer stating someone bought a product from me, I had advised the consultant I don't own a business to have sold any product to anyone I then advised her I wanted to dispute this transaction and she advised she would look into it for me About a couple weeks after this I tried to use my paypal card and noticed my account had been blocked, I reached out to paypal and was advised I could only contact then via live chat due to the corona pandemic, they were investigating my account and needed the accurate documentation in order to get my account up and running again, which included a statement of my chime card which is attached to my paypal, reset my password, photo ID, and a copy of my credit card, which I had advised them on many occasions I did not have one, they also advised me as soon as I uploaded all the necessary information they would unlock my account As of XX/XX/XXXX I had spoken with an agent named XXXX who advised me the {$300.00} had been placed back in my account and I was no longer negative, I also asked him when i would have access to my {$110.00} he advised me as soon as I uploaded a bank statement from XXXX my account I will be good to go Today XX/XX/XXXX I went into my paypal and had seen my account was yet again - {$300.00} and my hard earned money was sent to ( XXXX XXXX ) I have been on there live chat system since XXXX to XXXX i spoke with XXXX from the Limitations Department he advised me ( There isn't protection for a payment that is received as a personal payment. We can not control the fact when a payment is sent to you and the merchant or the individual chose to dispute then we stop it. The merchant did contact her financial institution directly not PayPal to dispute the transaction. It shows that you received the payment from XXXX and " XXXX disputed the transaction with her financial institution. However ; It show that you lost the case was against your paypal account. ) I also recieved an email from paypal advising Hello XXXX XXXX, Your buyer 's financial institution has informed us that the following case has been decided in the buyer 's favor. Here are the case details : Case ID : XXXX Buyer 's name : XXXX XXXXXXXX XXXX email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$300.00} USD Disputed amount : {$300.00} USD We understand that you may not have been expecting this chargeback. If this debit has made your PayPal account balance to go negative, please log in to your PayPal account and add money to your balance. Thank you for your patience during this process. We appreciate your business. You can find additional information and tips about buying and selling safely on our XXXX XXXX XXXX. Thanks, While on live chat I had advised paypal agent XXXX and advised him on what happened he did not care what I had to say, I advised him if i could speak to someone else a supervisor or a senior to get this resolved as I advised him I had an illegal transaction came out of my account in XX/XX/XXXX and now in XX/XX/XXXX I have the same people who stole money out of my account request a refund and in total i have lost {$600.00} to scammers, XXXX advised me he would keep the thread open and if I had any more questions he would assist me, i sent at least 5 massive paragraphs and got no reply I have done my own research about this case, on XX/XX/XXXX the transaction come up as a negative - {$300.00} and then in XXXX the status was changed to + {$300.00} from XXXX which makes paypal think that the person put the funds back in my account which did not happen at all then, on XX/XX/XXXX I seen an amount for - {$520.00} from XXXX XXXX for flights and accommodation and I had seen a credit card added to my account which I kept advising paypal that is not my credit card and how do i go about removing it, as earlier that day I changed my password as I felt my account had been hacked, now XX/XX/XXXX the account is sitting again - {$300.00} again and I find this whole situation completely frustrating that no one has even bothered to investigate any of this and have straight away sided with the scammer and given them {$600.00} in total I feel compliance and my privacy has been completely broken and don't have any trust in banks In the time that all this occurred I had my family and friends and clients from all over the world send me money to assist me in this pandemic XXXX deposits while my account was negative XX/XX/XXXX $ 15+, from XXXX XXXX XXXX on the same day the XXXX of XXXX a $ XXXX from XXXX XXXX , then XX/XX/XXXX for $ 65+ XXXX XXXX which was added to the negative Deposits from friends during epidemic XX/XX/XXXX XXXX XXXX sent me {$55.00} and XXXX XXXX for {$3.00} XXXX of XXXX XXXX XXXX for {$25.00} Paypal cash card transfer XX/XX/XXXX paypal cash card {$20.00} then {$8.00} from th paypal cash card on the same day {$240.00} in total was deposited in my account to help me out with the pandemic, I have lost {$840.00} in a blink of an eye and I'm seeking justice In the time that this has all occured my phone has been d/c due to not having access to my paypal during a pandemic If someone can pplease reach out to me either by my number XXXX XXXX XXXX XXXX if my number is still d/c due to paypal not allowing me access to my account please email on either XXXX or XXXX Thank You Kindly Have a Blessed Day XXXX
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a purchase on XX/XX/XXXX for {$45.00} for a bathroom cabinet. I used Paypal to make this purchase. The seller uploaded tracking information a day later showing that the item had shipped out. I never received this item and the seller does not respond to any emails. The seller uploaded tracking information for XXXX XXXX. This tracking number indeed shows delivered. However, after speaking with XXXX this tracking number IS NOT for an item sent from this seller, nor was it shipped to me, or my address. I have opened up a dispute with paypal as well as having the dispute reopened and as long as the seller provides the same tracking number that XXXX says is not valid they continue to close the case in the seller 's favor. I provided the documentation from XXXX showing that tracking number is for an item not delivered to me they still close the case and no refund provided. attached is the document from ups THIS IS NOT THE PACKAGE that I paid for. paypal dispute id : XXXX
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A