Date Received: 2020-02-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a paypal account and was TOLD I was to receive a Debit/Credit card from PayPal and " asked '' if I wanted to opt out. If so, I had to log onto the paypal site and affirmatively decline the card. I did so, and was confirmed that I had opted out and would NOT receive a credit/debit card from Paypal. Just now I received an email from PayPal claiming that I was to receive a PayPal credit/debit card within the next few days and that if I didn't want it I had to affirmatively go on the PayPal website and close the account. How can they do this? In my research I see that they were hit with a {$25.00} XXXX dollar fine for doing this in 2015. I believe this is illegal and will adversely affect my credit rating to have to close an account which I did not consent to open in the first place. I am very angry and want this stopped. To me this is bordering on identity theft, to create a credit card without a consumer 's permission and then send it through the mail where it may get lost or stolen and be floating around out there in someone else 's pocket and I have no idea that it is even out there if I didn't pay attention to my email and see that this company had issued a credit card in my name that I didn't ask for and then I would have to affirmatively take the action of closing something as serious as a credit card account that I might not have been aware of. I thought this sort of behavior was made illegal in the XXXX. How can they get away with this? Please stop them.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I received a payment via PayPal for a computer I sold. I attempted to withdraw the funds and PayPal " flagged '' the transaction. I contacted customer support and was told to wait 72 hours and try again. I waited 96 hours just to be safe and attempted to transfer the funds to my bank account. PayPal again flagged the transaction. I contacted customer support. They walked me through several steps to attempt to withdraw the funds, transfer them and even to have PayPal write a check and send it to me. None of this worked. Then, they told me that my only option was to refund the money to the buyer and attempt payment another way. I tried to do this and the refund was not processed because PayPal had removed their fee from the original amount. As of today, they refuse to complete a refund or give me the funds in any other manner. After much internet research, this is a common problem with PayPal. They hold funds to make profit off of the interest of thousands of customers every day. This is fraud and/or theft. The online portal shows that the refund has taken place but another screen shows that it is in perpetual " pending '' limbo.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PayPal has yet to refund my money to me. I called them and they were uninformative and stated the business has not released the refund. The email clearly states the refund has been issued and to contact the bank.
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid for an e ticket through Paypal but the seller did not send the link.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XX/XX/XXXX I was informed by PayPal that my business account had been " limited '' for a change in activity. They asked me to submit my Driver 's license and Proof of fulfillment for my services. I happily obliged. I was still accepting payments from customers interested in my services. Then I was told on the XXXX of XXXX that my account was permanently banned, all my funds seized and was told, " You'll be able to withdraw money from your account within 180 days.We 'll email you when it's available. We just want to make sure that you have money in your account to cover any payment reversals. '' I submitted an appeal on XX/XX/XXXX and was answered by an automated email that did not address what occurred.Then sent emails to as many email addresses I could find for PayPal. I was met with no response. I informed them that I understood PayPals need for holding funds for credit card chargeback purposes, however a review of my account history since its onset would reveal a very low chargeback rate as well as a very high customer-satisfaction rate.I am a an entrepreneur that offers XXXX XXXX XXXX services. I offer digital services to help my client 's social media presence grow. Inevitably our methods do not produce the desired results for ALL our clients, for a myriad of reasons ( their social media content isn't attractive to the market, competition is strife in their category, etc. ), thus the request for a refund/chargeback is understandable.Our Terms and Conditions clearly explain our services, terms, refund policy and protect our work. I have processed and served over 13 clients already through their platform and none filed a complaint or refund/chargeback request. I recently had 3 clients request refunds which I dealt with amicably via the resolution center.Although a few clients were not satisfied with their results, the service was still executed thus payment was deserved. This was attested to by PayPal itself, via the resolution center, when it ruled in my favor in disputes with one of these customers/buyers ( this specific incident occurred on XX/XX/XXXX ). They allowed me to keep that payment for my services after they did their investigation.Then all of a sudden my account was banned after reviewing the information I gave them. I feel that any reasonable person would conclude that closing my account for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive That may be their decision to make but then, withholding my entire balance for 180 days is excessive and can even be viewed by some as punitive or an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I told them that I have no problem with leaving a balance for credit card chargeback or refund requests for the inevitable nature that some new clients may feel that the services did not work as desired for them and achieve their goals. This would cover the new clients that have recently signed up and could potentially not be satisfied with the services and may request a refund/chargeback, which I would then handle with the resolution center and follow all of PayPal 's instructions. But to hold the entire balance, which includes payment for services already executed for clients that have been satisfied months ago, is wrong and unnecessary. It effects my livelihood as I am an entrepreneur that relies on this as my means of income. A 180 day period would wreak my finances and leave me unable to cover my basic living expenses. I would like my funds immediately released as I am a merchant that sells a service that some clients inevitably may be unsatisfied and will have to deal with refund requests, but I do not deserve to be punished and all my income held, even income from clients long satisfied. This is unjust.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/20 I submitted a {$500.00} payment using the Venmo app which is tied to my checking account. I accidentally sent the payment to the wrong person and contacted Venmo to reverse the payment. I had to have the person that I sent to in error call in to verify that the payment was made in error and that the transaction needed to be reversed. Despite the other party verifying their identity and confirming that the payment should be reversed, Venmo still will not return the funds to my account. I tried filing a reversal with XXXX XXXX XXXX XXXX where I opened the checking account ) at a branch location but they might not have the authority to reverse the payment either. Venmo is not cooperating at all despite me following the procedures that they outlined to receive the money back and my bank can't help much either, so at this point I don't know what else I can do or who to turn to. My bank advised me to submit the information to you for assistance.
Company Response:
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Paypal all day me my wife been trying to add debit card to her account to pay bill due today Pawn Shop.Because of Paypal will Not take infomation so we can pay today XX/XX/2020 ... .Fist it was XXXX XXXX putting Stupid Security Protection.Well paypal is charging us {$1.00} to add our Debit Card an putting it on Hold.Well that is wrongfully XXXX XXXX.Paypal needs to be counted for us loosing laptop in pawn shop being Jerks they are.Then make us log in get code they will not take card like i done couple days ago no problem and paid for XXXX items.Now my wife tried to do samething paypal giving her so much grief.My wife can not take this XXXX she has XXXX XXXX on her XXXX it could Burst an die because paypal and XXXX XXXX from XXXX/XXXX with Blocking us with Security Monitor i ask for them to take off we don't live in XXXX Arizona in Utah..Paypal will Not let me add my New Address update because it is GENERAL DELIVERY, funny XXXX let me due it.I just bought many items from XXXX in last 2-3days my address was General Delivery an paypal let me add Credit/debit card within seconds to pay with.But it ask to save i didnot put check mark in.But i did anoughter Trans action, Well Paypal had my Debit Credit Card on file when they suppose to Delete it an Not Save it as i ask ....
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a purchase XX/XX/XXXX for some clothing from a site called XXXX. I saw their ad on XXXX and it looked like my style, and I was in need of some new work clothes. I checked out the site, got in contact with the merchant on XXXX to make sure that the clothing was US sizes and to determine if the clothes were coming from XXXX or not since I was planning to buy 6 items totaling {$150.00}. Based on my conversation with the merchant I believed that the clothes were being shipped from the US. Once, I placed my order, I was told I would receive the clothes within 7-15 business days. After 7 business days, I reached out to the merchant about not getting an update about the order since it is approaching the timeframe of when I should be receiving it. XX/XX/XXXX is when I sent the first email. The response I got was broken English and that is when I realized that the order I made was coming from XXXX. At that point the money had already been taken from my account, and I hoped for the best. I again contacted the merchant XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the status and why it had not even been shipped yet. I kept getting a reply that the clothes are being special made, and that my order is processing and that they apologize for the wait, but it will be worth it and that I will be very happy with the clothing. Finally, XX/XX/XXXX I got notification that my order was shipped and to check back in 24-48 hours for updated tracking info. A few days later, I tried to check the order status, and I was sent to a site that said " Oops, something went wrong. This shop is unavailable. '' That immediately threw up some red flags, so I manually copied and pasted the tracking number to see what was going on. It showed that something was dropped off, but no other info after that. Still having good faith, I patiently waited. Come XX/XX/XXXX, I still had not received anything. I finally filed a dispute with PayPal since I knew I had buyer protection and at this point I knew I was scammed. Of course a few days later, I actually get something in the mail. Upon just looking at this small package, I knew something was wrong. The label on the plastic wrapped package only listed 4 items of clothing when I purchased 6. When I opened it, there was only 2 items, and it was nothing of what I ordered and the quality of extremely horrible. I took pictures and measured the size of the package that the items came in. I brought this to the attention of PayPal, and because something was sent to me they changed the topic of my case to " Items not as Described '' when initially it was a fraudulent/scam case. Awaiting the seller 's response, which they gave him until XX/XX/XXXX to respond. They sent PayPal the tracking number XX/XX/XXXX, which gave proof that something was sent, but why had they not asked the seller for proof of what they sent, or for anything that can show that he didn't scam me? XX/XX/XXXX, I tried contacting the seller at XXXX letting them know I reported them, and to just do the right thing and refund my money. The email got sent back saying that the user is not found. I believe I had already escalated my case in PayPal at that point since the seller was giving me the run around. However, rather than ask me for evidence and proof to show I was scammed, PayPal only kept in contact with the seller, who clearly knows the system and gave them the run around as well responding hours before the deadline of when the case would rule in my favor. I tried to contact PayPal via email, begging them to let me send evidence, but I got no response. XX/XX/XXXXthe seller opted to give me a partial refund of {$30.00} that I denied immediately. After PayPal reviewed my response, they gave me 1 option : to send back what the seller sent to me, and only when he receives it will I get my money back, but I am responsible for paying for the return shipping back to XXXX. I find that appalling considering that I was scammed, so I called PayPal yesterday, XX/XX/XXXX, asking if that is the only option, and why after being scammed I have to pay anything towards this? The representative on the phone admitted that he knew I was scammed and that they are investigating the seller, but it is their policy that I have to return the items in order to get my full refund. I was scammed! Ordered 6 things, got sent 2, and it's not even what I ordered. The PayPal rep finally told me that I have 2 options : pay for shipping back to XXXX and hopefully it will get to the scammer and then I get my money back, or I call my bank and report fraud. I excused myself from the conversation with the PayPal rep and called my bank. After speaking with the fraud department, I was sent to a specialist who then informed me that they could not do anything since it was an ACH purchase. She then told me of this site and to give it a try. I am at a loss that both XXXX XXXX XXXX and PayPal can't help me when I was scammed when both these companies claim to help their customers in situations like this. {$150.00}, may not seem like a lot, but when you are struggling financially it does mean a lot to me. At this point, PayPal has given me an ultimatum and I have to respond by XX/XX/XXXX with a tracking number, or they will close my case and I will be out of the {$150.00}. Please help me.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase in XX/XX/2018 at XXXX XXXX XXXX XXXX using paypal. I returned some of the items in XX/XX/2018. For over 2 years I have contacted paypal to process my return they refuse to process my return to my XXXX XXXX XXXX credit card and insist on charging me a fee to get my {$26.00} return processed. This is unacceptable and beyond poor business practices. I am requesting that my return be processed with interest. I have tried to resolve this issue over and over again both on the phone and via the chat they refuse to process my return to the credit card stating the return was rejected. XXXX XXXX XXXX has no information on a rejected return. I should not have to pay paypal a fee to process the return for my purchase.
Company Response:
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal still violation FTC rules They think theyre above the laws in America
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A