Date Received: 2020-03-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My recent claim XXXX for non receipt of the service was denied on the grounds of the sellers policies. The refund policy is voided under Florida 's Sellers of Travel Act which is publicly viewable at XXXX XXXX XXXX XXXX XXXX XXXX. At this point not only has the seller failed to adhere to this act, but has failed to provide the requested refund on the grounds of a refund policy which doesn't adhere to the act in question and hence is not binding. Moreover, this is a service I didn't receive - at all. So, this clearl doesn't fall under any legal gray area of being able to charge for services rendered considering there were quite literally no services rendered. The seller also failed to provide a suitable resolution as required by sellers of travel per this act. Moreover, PayPal being the transactional provider is directly liable for upholding illegal practices under this act by means of failing to provide the resolution requested. Specifically, the policy stated by the seller is voided by statuates 559.932, 559.933, and 559.935 The seller failed to provide the requirements to provide a legally binding refund policy under the requirements of statuate 559.932 and 559.333 on both the policy itself and communications. Moreover, the seller is clearly in violation of the violations proposed by statuate 559.935 on multiple counts. The statuate violated which is nuclear to any resistance of this claim is specifically : Statuate 559.935 ( 20 ) even if any of the others weren't true. That alone is grounds. I have attempted to resolve this through other means to no avail. PayPal has been given the legal statuates they are violating upholding this transaction between parties as well as what statuates the seller has violated. I've opened multiple cases. I've contacted support multiple times during which the agents have given me a " run around '' with no resolution per your companies scripted responses. At this point without a resolution and a clear indication that PayPal has no intention of resolving this despite evidence and statuates provided I will be forced to purse this matter further through legal means.
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. Here is the timeline of the transactions and emails from PayPal : XXXX XXXX {$280.00} In XXXX XXXX {$97.00} Out XXXX XXXX {$97.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} out XXXX XXXX {$95.00} out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX {$280.00} In XXXX XXXX {$95.00} Out XXXX XXXX {$95.00} Out XXXX XXXX email from PayPal asking if there was unauthourized access to the account XXXX XXXX email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX Email from PayPal stating access to account was restored XXXX XXXX Email from PayPal stating password changed XXXX XXXX Email from PayPal stating password changed XXXX XXXX {$280.00} In XXXX XXXX {$280.00} In XXXX XXXX {$280.00} In XXXX XXXX Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. I have since closed my debit card and my bank account. I really hope you can help. Thank you, XXXX XXXX
Company Response:
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I began as a seller on XXXX on XX/XX/2018, and had been selling XXXX XXXX for about 3 months, when I noticed that XXXX was invoicing me for items that had been returned. When I called to get this problem rectified, they told me they would resolve the issue. Once the deadline for the invoice was past, they suspended my account for non payment. Again, I called to get the problem resolved, and they told me they weren't going to do anything about it, and that I either needed to pay the invoice, or I would not be allowed to sell on XXXX. This was a problem, as I had invested everything I had into creating my own store and this was my full time job. Unfortunately, I didn't have the additional {$770.00} that they were overcharging me at that time.. It took 6 months to finally reach someone that was competent enough to understand what the problem was. They recognized the misunderstanding and credited me the {$770.00} and gave me the opportunity to sell again. I was happy that it was finally figured out, but this is only the beginning. While I was suspended, XXXX claims that I had customers wanting to return items, but I know this wasn't true and XXXX refused to provide a summary of the issues at hand because they were made up. What ended up happening was XXXX decided to give me credit for the overcharged invoice, but during my suspension, they created a negative sellers profile, allowing them to charge more per sale, so instead of 10 % of {$100.00}, like it is supposed to be and what was agreed upon, they could now charge 12 % -15 %, even 18 % if they wanted to. This also allowed them to revert to this problem that they created every time I came to them with an issue, which was every month die to never being credited for returns. They would simply say, " we see that your sellers level is below standard '' which was true, but only because they created the problem and the below standard sellers level. This was entirely out of my control. I asked them why they found it ok to credit the money, but allow the XXXX created sellers level remain in place. They would never give me an answer other than " it's been beyond the 60 days that's required to dispute such a claim, and had you complained before the 60 days, we could've done something. '' This was all nonsense and a lie. First of all, it took me 6 months to even get into my account to know there was negative feedback to begin with, so there goes that idea. Trying to put it behind me and just play their greedy little game, I didn't mention it anymore. However, this would be considered frivolous at best compared to what was happening next. XXXX XXXX their criminal colleagues at PayPal and requested that they step in and steal my money, which is exactly what happened, but only after a brief period of time where I had a considerable amount of sales that put {$4000.00} in each of my 2 accounts. Unfortunately, I was not able to deduct the money fast enough and that's when PayPal took the money. If I only had about {$50.00} in each account, they wouldn't have touched it because it wasn't worth the trouble for {$50.00}. {$8000.00}? Thats a different story, and that's the one I'm telling. When I questioned where my money was and why I could not retrieve any of my hard earned money that I invested everything I had into earning, they said they required some information from me, but would never tell me what that information was, just that they needed it. I never gave them anything, and nor should I have to. If they didn't have all of the information that they required at the beginning of their own fraudulent contract that I was never aware of existing, that's their problem. A contract can not allow someone to change the particulars in a contract just because it benefits only fhem. This is common knowledge, and nowhere in their contract does it state that they reserve the right to take all of your money under fraudulent pretenses. In fact, as soon as they took the money, they committed theft and a felony if I'm not mistaken. This renders any contract void immediately, even if I was unaware of it. I can not be expected to go along with criminal activities because of a contract that I never agreed to to begin with. My agreement was with XXXX, and this is why XXXX needed PayPals help. To deflect the contractual agreed to particulars. I never asked for, required, thought it was a good idea, agreed to, or ever promoted the idea of having a 3rd party having access to my money, and to steal a percentage of that money on every transaction that occurred. In fact, I was blatantly opposed to the idea and voiced my opinion on several occasions. Additionally, XXXX claims to allow you to not use PayPal at all, and just have the money directly deposited into your account. This is how I set up my account, but XXXX changed this, stating that I needed to be invited to have that as an option. It is an option when you set up your account, but XXXX knows they can not commandeer people 's accounts when they are under a direct deposit. They must make you use PayPal in order to do this. Their whole platform is designed to promote their own fraudulent transactions, not to protect customers or sellers, and that is the problem I have with this. Additionally, this, in my opinion is discrimination at it's very definition that I need to be invited when it's given as an option when setting up the account. Did I not qualify for an invite? If jot, why not? This is more information that they can not provide due to it showing their criminal intent.. I digress. Now that PayPal had every dime to my name, leaving my family and I without money to even eat, I was at their mercy. After weeks of going days without food, I finally decided I should see what could be done to be provided relief. I called them and asked, and they said " we've found that your counts are connected to another account that is over drawn in the amount of {$550.00}, and this amount must be paid prior to your money be in released. I agreed, under protest because this was jot my account and they knew it. It was extortion, period. The reason I can tell you that this was not my account, is because the email address that they gave me that I'd supposedly mine, does not exist in XXXX, and it is a XXXX account. Only someone who benefits from extortion would ceete an account in their own system, even though it does not exist in reality. They never created the account in XXXX, so if you try to access the email account, XXXX tells you, " sorry, but this account does not exist. '' So, he's, this was extortion at it's finest. I agreed to pay it because I couldn't allow my family and I to go another day without a solid meal and at least a hotel room for 1 night to get some rest. PayPal promised to release the funds within 20 minutes of my oatibg their fraudulent balance. After it was paid, I went to deduct money from the account, and I was denied. After several hundred calls to them trying to figure out why, I received an email stating that I had been denied my appeal, and the account would remain closed. They stole upwards of {$8500.00} from me, just like that. PayPal claims that will give you your money back after 180 days, but all this does is allow them to create fake returns, where they then give the fake customer their money back, when in reality, they're just draining your account. At the same time I was suspended again, XXXX continued to allow customers to purchase my products, knowing that I couldn't fulfill them due to a billing agreement with pay pal, usps, and XXXX, that allows me to have the funds needed for shipping be deducted from my sales price. I didn't have the means to ship anything out even if I wanted to and if I thought I was ever going to be said for it anyway. So I didn't ship anything. XXXX still invoiced me for over {$700.00} again for less than a weeks time period. When I didn't pay it, they told PayPal to change my payment method from personal credit card to PayPal, and then XXXX went into one of my frozen accounts and took the money. They were not finished. Then, they, changed their invoice to read it was due out of my other account and not the one they had just deducted it from. By doing this, it allowed to claim that I still owed the {$700.00} and this is what they began reporting to my credit report, fraudulently, and as unpaid and a negative mark on my report. Always checking my credit report regularly, I noticed that PayPal and XXXX both have somehow gained access to my report and have added their own accounts using my name, and then turning around and claiming that I still owe them money. They stole my identity to charge up my account on their platform as if I had a credit limit. I never had a credit limit, not once in my entire life have I had a credit card, so how can this be possible? So XXXX creates an invoice that they know I couldn't be held liable for, for not having the ability to fulfill the orders, yet continues to pursue the funds, steals them out of one account, and claims it is still owed on the other account, then proceeds to report it to the big 3 credit bureaus, defaming character fraudulently after stealing my identity to have access to my account to run up fraudulent credit on their own platform. At last estimation, they have stolen or charged a total of {$34000.00} and some change, and that was the last time I was allowed to even check it. They've since removed my access to my accounts, and the months has long since passed. I have never seen a dime of my money. Only theft, fraud, extortion, embezzlement, money laundering, Racketeering, and violations of RICO. I have in the past reported this to every other agency in America, including the cfpb. Nothing has ever been done about it and I understand that you are all complicit in this scam, and I'm not surprised. I just wanted to remind all of you involved that it hasn't been forgotten, and that everyone involved will someday pay the price for the damages you've caused due to your greed and corruption. It would be refreshing to find that at least one of you had the balls to stand up and do your jobs, which is to protect consumers and American Citizens, first and foremost, instead of lining your pockets with stolen money. I am realsitic, and find that hard to believe, let alone possible. Still, it would be refreshing. This is a complaint about not only XXXX and PayPal, but it's a complaint on the entire system that allows them to continue to do business, and allows you to continue lining your pockets and at the expense of the only backbone you have. The American people. I wish you would do something, but I've read your pathetic disclaimer about how worthless you are, and that is what I expect from you. Nothing. Because that is what you're worth. Now you know that we know, and now you need to know that you're about to be run out of this country or face the consequences for your treason. Have a nice day XXXX!
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: The issue happened at approximately XXXX on XX/XX/2020. I tried to transfer {$12.00} from paypal to my bank account. I have done this many times before without any issues or fees. It somehow defaulted to a fee option which charged me for an immediate transfer which I did not need immediately. They did not make this a concious selection and they need to make it obvious what the fee amount is going to be.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Date : XX/XX/2020. XXXX XXXX fake account opened by " XXXX XXXX '' sold a fake dog collar for {$380.00} paid through paypal. When brought to XXXX 's attention, they refuse to look into the fraudulent activity. They also refuse to honor the buyer protection policy. Date : XX/XX/XXXX PayPal was notified about the fraudulent transaction and refused to look into the claim. PayPal drafted the {$380.00} out of the XXXX XXXX account. XXXX XXXX put a stop payment on the transaction. PayPal then on XX/XX/XXXX drafted the {$380.00} out of my XXXX card even though they were notified this was a fraudulent transaction. This transaction should never have gotten that far once a fraud claim was made. PayPal is also not honoring their buyer protection policy. XXXX and PayPal refused to honor their buyer protection policies and refused to look into Fraudulent activity.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.
Company Response:
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. Paid with XXXX XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away. I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: For the last month I have had issues getting the money from my account and the only answer I could get from them was their internal security system detected unusual activities on my account. The could never tell me what activities this included and it couldnt be overrode. Now this week after a XXXX transfer to my axcount they shut my account down completely and are telling me I have to wait 6 months to be able to get my money out. Because of this i have not been able to eat, and get my XXXX related medicine, and other things.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 I received an email from PAYPAL informing me that my account I have with them is being " Limited ''. PayPal uses the term " limited '' to mean that sanctions are being placed on my account restricting me from withdrawing or transferring or paying with any funds from my account. In my case that amount is {$5200.00}. They asked me to provide them with my Drivers License and to explain the nature of approximately a dozen transactions -- Which I did immediately. On XX/XX/2020 PayPal emailed my that they are placing an indefinite hold on my money. They gave me absolutely no reason for seizing my money. My account is approximately 2 years old. In my name with ALL correct information including an attached checking account. I have NEVER had a dispute or had a customer complaint. This money was to be used to pay my bills and feed my family. PayPal has committed an act of theft and fraud and I need this agencies help in securing what is rightfully and legally and lawfully mine.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: PayPal payment system debited the incorrect bank account, not the preferred bank account, & caused me an overdraft fee. Paid with XXXX XXXX, INDIANA ( XXXX ) Transaction ID XXXX Seller info XXXX XXXX. XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Upgrade XXXX XXXX 12 Months - # XXXX {$8.00} XXXX XX/XX/2020 I have contacted them many times, through many avenues. I have racked up over {$100.00} in bank fees due to their error.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A