PAYPAL HOLDINGS, INC


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"Products" offered by PAYPAL HOLDINGS, INC with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Other mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card

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Complaint ID: 3572484

Date Received: 2020-03-19

Issue: Fraud or scam

Subissue:

Consumer Complaint: On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back. I contacted not to Long ago.

Company Response:

State: CA

Zip: 90019

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3572455

Date Received: 2020-03-19

Issue: Fraud or scam

Subissue:

Consumer Complaint: Company : PayPal. On this.website, I reported a problem with a product that I wasn't satisfied with and wanted a complete refund of {$50.00} because the seller half-assed and didn't follow any of the instructions that I have given them. The case was won in the seller 's favor because I.was n't able to submit evidence right away but now i have proof that this.seller is a.scammer as she traced most of it, didn't give credit to the original artist she traced, and not only.that has the nerve to lowball me. Just so it's clear, my PayPal email isn't the same, please email me by my new current one for details.

Company Response:

State: MS

Zip: 397XX

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3571981

Date Received: 2020-03-19

Issue: Other transaction problem

Subissue:

Consumer Complaint: my account is listed under XXXX It has a negative XXXX balance There is no transaction that matches this balance. I am disputing this is fraud I tried to call and I get referred to debt collector who also can not provide transaction detail Unless you can provide detail I want this credited and any negative credit reporting removed

Company Response:

State: OH

Zip: 44124

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3571922

Date Received: 2020-03-19

Issue: Fraud or scam

Subissue:

Consumer Complaint: PayPal case : Dispute Case ID : XXXX Transaction Amount : {$200.00} USD Dispute Amount : {$200.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020

Company Response:

State: NC

Zip: 27703

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3571921

Date Received: 2020-03-19

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: I contacted PayPal after the website I purchased from didnt match the sellers information on the PayPal sellers info. When I clicked on the sellers information on the PayPal transaction site, the links given by the seller as their info were invalid. I advised PayPal that based on the website info not matching the PayPal sellers info and PayPal sellers info being invalid links that PayPal failed to fulfill their due diligence under BSA-AML regulations. PayPal denied my dispute and I have been unable to retract my monies. The fraudulent information and PayPals standing by the fraud and their failure to know their customer points to PayPal being complicit in defrauding buyers.

Company Response:

State: HI

Zip: 96814

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3571906

Date Received: 2020-03-19

Issue: Unauthorized transactions or other transaction problem

Subissue:

Consumer Complaint: On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one.

Company Response:

State: CA

Zip: 92373

Submitted Via: Web

Date Sent: 2020-03-19

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3569006

Date Received: 2020-03-16

Issue: Problem adding money

Subissue:

Consumer Complaint: PayPal lists the following policy on its website regarding refunds for items processed by PayPal : Link : https : //www.paypal.com/us/smarthelp/article/common-questions-about-issuing-refunds-faq3214 However, PayPal does not apply this policy to XXXX transactions and requires the full balance to be present in PayPal. PayPal will not debit a bank account via an echeck in order to process the refund. Instead, PayPal requires a manual transfer of funds from a bank account in order to process a refund. PayPal customer service hung up when called about this issue.

Company Response:

State: VA

Zip: 23229

Submitted Via: Web

Date Sent: 2020-03-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3568778

Date Received: 2020-03-16

Issue: Confusing or missing disclosures

Subissue:

Consumer Complaint: 1. I'm not sure when Paypal changed its policy, or if they notified users about the policy change. But I am no longer able to connect my Paypal account with my bank accounts since XX/XX/2020. This directly caused me not able to receive incoming deposits sent by others through Paypal. Paypal should explain why I can no longer use all my previously verified bank accounts. And, why I am not able to verify any new bank accounts either. This sudden disruption without any explanation or warning in advance caused me financial loss since I wasn't able to confirm the pending transfer in the amount of {$9.00}, the incoming transfer eventually was returned to the sender automatically 2. I filed a complaint on XXXX XXXX XXXX on XX/XX/2020, when filing, XXXX asked me to provide " contact email " and " account ID associated with the complaint ( PayPal email ) '', I provided both. A month later, XX/XX/2020, Paypal informed me that they can only be contacted from the email address linked to the relevant PayPal account for privacy reasons. Paypal should present the corresponding paragraph from the User Agreement where it says so. Besides, I filed a complaint through XXXX, and it is XXXX who asked me what email address I want to use as the contact method. Does Paypal 's user agreement also have restraints on what email address a third party or a mediating agency should request from consumers? If so, Paypal should present the related page from the user agreement as well. So far Paypal offered zero answers or solutions to either of my questions.

Company Response:

State: MD

Zip: 20879

Submitted Via: Web

Date Sent: 2020-03-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3568746

Date Received: 2020-03-16

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: I went to the computer this morning to try to make a transaction to begin the process of sending web traffic to my websites. ( 4 of them ). The cost was supposed to be $ XXXX/month. All of my credit and debit cards were declined as if they were being blocked by the computer system for suspicion of being fraudulent. I would like to block on the cards lifted so that I can continue to operate my website businesses.

Company Response:

State: TX

Zip: 75230

Submitted Via: Web

Date Sent: 2020-04-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3566853

Date Received: 2020-03-14

Issue: Fraud or scam

Subissue:

Consumer Complaint: XX/XX/2020 at XXXX XXXX I sent {$63.00} to a pay pal account I thought was going to a woman who told me she had electronic XXXX lock in tickets ( a trampoline park in town that does lock ins for certain ages a few times a year ) She said she had a few that she couldn't use. I offered her a price she accepted she told me to send it via pay pal friends and family. I don't use paypal very often so I asked what the difference was. She said none she just like to use that one. I should have trusted my gut but I didn't and sent it via friends and family and didn't know any different this person told me multiple times they were not going to scam me! Then when I sent the money they said oh it will take 2 hours to deposit to their account. And that they were not going to transfer the tickets to me until then .... Then she deleted me from social account we were on to talk to get the tickets to begin with. So NOW I'M OUT {$63.00} and no way to dispute this??? NOT OK!!!!!! She just worked the system and its not ok! I contacted Paypal to try to cancel the transaction and was told to contact the receiver as they were the only ones who could give a refund at this point. I am beyond myself as a working mom of XXXX boys this is not ok! Now my boys don't get to go at all tonight thanks to this persons need to scam me for {$63.00}!!!!! The persons email address is XXXX name says XXXX XXXX and on XXXX the social media profile we were talking on was XXXX XXXX.

Company Response:

State: IA

Zip: 52302

Submitted Via: Web

Date Sent: 2020-03-14

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.