Date Received: 2020-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hi, I have been denied for my car lease that is up 2 weeks ago, I have leased with XXXX XXXX XXXX / XXXX XXXX for 19 years and this is my 6th lease. I have had tier one approval - never had to even fill a credit app out and suddenly I go to turn it in and release as always I was told by the same dealership I have gotten all my cars from I wasnt even pre approved and they were in shock. XXXX has a huge program for loyalty and so I pulled my credit reports and was in utter shock that I have a hard inquiry from you. I have as you know and I have been more time then I ever have on something and I have reached out to you, I have sent emails to your exec committee, I got stalked out of nowhere from some firm that you know of and if you have all of this documented you know exactly what took place and for me to honestly take one more second and write some long email Im instead attaching documentation and you do your job. That company as I told you called me and said they are a boutique firm that partners with you, Paypal and I owe an obscene amount of money and I cant tell you how beyond in shock I was when you owe me over 3K. I told them I do not have a Paypal card. I dont and never have. I have a pay pal account that I havent logged in to since probably 2013 that you use if you buy something online or sell and I couldnt even tell you where to log in or how as I said its a little pay pal account the world has. I told this place I do not have a credit card. I HAD A PREPAID card that I closed in XXXX over a year ago, have the card to this day closed it with you by logging in and said its a fraudulent account because of all of this. Its a prepaid card! You dont do credit checks, you dont do hard or soft inquiries and you told me that, but regardless you dont. I have never opened or owned a credit card from you in my life. You know this, you start having some company contact me and never contact me first? Funny yet sad is that I contacted you first. I myself a normal / lawful person made contact with you when you Are trying to collect something that doesnt exist? And whats worse for you and not me is that not one person replied. You look at my emails ... these are barely 60 % of all documentation I have. Most companies who have real collections want a person to answer the phone and / or call back and people dont return collector calls or rarely yet I called and called and finally decided when your 800 number said they have no clue, then I use your internal email and they dont speak proper English which is what I speak on the phone and make any sense so I looked up people that run your company who should have called me and would assume speak intelligently and I can understand and a few are based in Arizona like 15 minutes away. I said I will come and meet you and bring all of anything I have who wouldnt want that? That company said they have no details other then a credit card I owed money on from years ago. I said for the millionth time I dont have one and I have a pre paid card ... I asked for the manager they literally argues with me ( this random partner ) and repeated themselves and finally I said I will record this call and they got him and he and I spoke for over an hour. I said mail me what you have and he said he didnt have anything and would have to get from you. I said fine do what you do, I have nothing to hide and Im trying to get to the bottom. I start freaking out thinking someone opened a card and charged stuff I couldnt believe what was sent to me XXXX it was some ledger looking thing that had nothing on it. In the mail / I have it and I called you and emailed you and you 100 % said to me you apologize that company should have never called. I closed that horrible pre paid card reported the selection as Fraud, and you sent me three cards with emails weekly saying to activate them -I have them. Something is wrong with your company. I left a messsgd for this XXXX one last time and never heard back but his vmails state he will try again and are blocked so I dont know its a call. Blocked dont come as a ring. Call me back? Doesnt leave a number? You read the attachments and all of this. XXXX
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: To Whom It XXXX Concern, We are a 100 % federally legal and compliant XXXX XXXX XXXX XXXX, who formed in XXXX of XXXX, and have been conducting business online since XXXX. We set up our website via XXXX, and chose PayPal as our payment processor. The name of our company is XXXX XXXX XXXX, and that name appears on the EID paperwork that PayPal asked us to provide to confirm the account. Prior to them freezing our account due to their false accusations that we have violated their XXXX XXXX policy they processed our first 20 payments. After accepting the last 2 payments they placed a hold on our account. Before this hold, we had spoken with PayPals customer support management team on several occasions and not once was anything brought up about our products violating any company policy they had in place. If they felt our company violated any such policies, they could have informed us that they consider XXXX to be a XXXX XXXX instead of the legal XXXX XXXX that it is. Had they done so, we would have sought out a different processor to handle our needs. Per our lawyers guidance, we sell XXXX XXXX to 48 of the 50 United States. Since the passage of the 2018 Farm Bill Act, XXXX is now considered 100 % federally legal so long as it remains compliant under XXXX XXXX XXXX. This account freeze comes at a crucial time, right when the XXXX season is picking up and farmers are starting to purchase the XXXX they plan on XXXX this year. Any holdup hinders our abilities to help them have a successful season. It also hinders our companys ability to succeed and thrive in our first and hardest year. On top of this, we are now facing the COVID-19 pandemic. We would normally have no trouble weathering this situation since we are able to operate out of our private quarters, with minimal outside contact. Now we will be forced to go out in public, risking our own health and wellness, so that we can pay cash and ship at the Post Office. We will have to pay out of pocket to ship these orders since PayPal has seized our funds, including payments for shipping. This issue has caused us to work several extra hours contacting groups such as yours and many others in an attempt to find a resolution. PayPal is essentially halting our business until we can locate another payment processor. In other words, we are struggling to stay afloat. We thank you for your time and efforts and anything you can do to help us in resolving this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are attaching multiple screenshots of our PayPal accounts status, a letter to PayPal and our XXXX dashboard showing payments that were accepted and held. And here is a video link showing that our business documents were accepted : https : XXXX
Company Response:
State: CO
Zip: 80303
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). You can also mail your request to : PayPal , Inc . Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). If you want to send a new money transfer, please log in to your PayPal account to send money. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. Thank you and please let me know if you have any questions.
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other service problem
Subissue:
Consumer Complaint: I was scammed by a person and he took {$100.00} from me saying he would pay it back so he told me to paypal the money to his 'accountant '.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Venmo limited my account and refused to lift the limitation and I still have fund of {$830.00} in my available balance and they are refused to fund me my money.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: PayPal/XXXX told me on XX/XX/XXXX that they cancelled my {$20.00} a month recurring transaction to XXXX ( but they actually cancelled the {$35.00} a month one ). However, I asked them to confirm this on XX/XX/XXXX, and they cancelled my {$20.00} a month transaction too! XXXX then told me she couldn't reinstate the {$35.00} a month donation! XXXX only needed to see the monthly amount transactions and he would have been able to properly cancel the right one and saved us hours of time!
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I set up a PayPal account XXXX and as soon as I received the money in my account {$1500.00} they permanently locked me out during the coronavirus crisis making more stressful to take care of my family telling me I can not recieve my money for 180 days. They told me I had 2 accounts that I owed amounts on and that if I paid then that would restore my account and I would have complete access to my funds {$1200.00} after making accounts current which I did no questions but as soon as I paid the locked me out. If i cant use PayPal then why allow me to make an account verify me and then keep my money. I'm not a seller this was only a transfer ONLY. Legally they are not a bank and can only hold funds up to 21 days by law. Now they wont respond of give me my money nor an explanation. They can not keep anybodys money it is not legal. And with this crisis I should not have to apply for government assistance when I legally have my own money they will not give me. I also have photos of conversation with PayPal telling me if I make old accounts current that they would give me access to my money in that account.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Paypal locked my account and is advising that I will not be able to withdraw my balance for 180 days.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: This morning, XX/XX/2020 at XXXX XXXX, I received a email of a a {$300.00} charge on my PayPal account to XXXX for a gift card receipt. The recipient was named " XXXX XXXX ''. I filed an unauthorized payment dispute with Paypal. I was notified 5 hours later that the charge was determined to be legitimate and the case was closed. When I attempted to contact Paypal over phone, I was unable to reach a live person, and was instead notified to contact them over text. I am currently awaiting further news.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: Venmo has held a {$500.00} transfer and has refused to unlock it or refund the money.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A