Date Received: 2020-01-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear sirs, During the night of XXXX to XX/XX/2020, six improper payments were made to five different sellers, from my Pay Pal account, associated with my personal email ( XXXX ) and a Visa credit card, contracted through XXXX in XXXX. This payments were made to sellers I don't recognize and have never had any contact with before. The only information I have about them is the email address associated with their Pay Pal accounts ( two transactions for XXXX and one for each of the following : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ). These movements were made in different currencies ( euro, dollar, Hungarian forint ), totaling XXXX euros. Having noticed the movements, on the morning of XX/XX/2020, I opened a dispute on the Pay Pal online platform [ attachment 1 ]. The complaint was rejected by the company in the early afternoon of the same day. The company 's decision was made within about four ( 4 ) hours. [ annex 2 ]. In view of this response, Pay Pal was contacted by telephone, but the customer service line was already closed at the time of contact. Telephone contact was only possible through the customer support number for XXXX ( XXXX XXXX XXXX ) on the following day, XXXX XX/XX/2020. In view of this hiatus - and having doubted the confidence in Pay Pal 's security system - I canceled my Pay Pal account on the night of XX/XX/2020. My bank was also ordered to cancel the credit card associated with this account. Once Pay Pal was contacted on XXXX XX/XX/2020, an appeal was made against the decision taken the previous day. The information from the operator of the customer support center, named XXXX, was that it would take about 10 days to investigate the situation, after which they would be contacted for a response. In the meantime, on XX/XX/2020, all the sellers to whom the payments were made were contacted by email. Only one ( XXXX ) of these responded, acknowledging that this was an undue payment and offering to return the money [ Annex 3 ]. Pay Pal was noted for this. On XX/XX/2020, after the 10 days of waiting, Pay Pal was contacted again through its customer support number. They informed me by telephone that my complaint had not been given a reason. The operator with whom this conversation was held, named XXXX, showed himself strange with the reaction and claimed to have seen signs himself, through the IP 's where access to my account was made, that there was a non-conformity, having been helpful in the investigation of a hierarchical appeal of that decision. I received a message from Pay Pal, through my account, the next day, again stating that they did not recognize the reason for my complaint [ Appendix 4 ]. As I have stated in writing, in response to that message, to the company, it is not acceptable that after a complaint has been filed for misuse of my account and, having allegedly been investigated by the company for movements made in my account, they do not have a complaint. complete answer to give me questions like these : Who are the salespeople for whom the moves were made? Have they been contacted by Pay Pal during this process? Why was the response to the seller XXXX not considered, and which acknowledges me right? From which countries were my account accessed at dawn from XXXX to XXXX XX/XX/2020? What IPs were used to access my account at dawn from XXXX to XXXX XXXX? On XX/XX/XXXX, the movements in question were charged to my credit card. That said, I instructed my bank, XXXX, a complaint with the Visa network, so that payments are canceled. On XX/XX/XXXX, I again contacted Pay Pal customer support by phone. For 25 minutes, the operator I spoke to, just answered that he had no more information to give me. He also refused to transfer the call to a superior. I demanded to be contacted by a superior to ask these questions, which has not yet happened. That said, and after the complaint with the Visa network, this complaint will be sent to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau of the US Government.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I set up a Venmo account for my sick father. I used my email and my phone number. My father passed away years ago and someone sent me money on that number by mistake. They wont give me money even though I own both phone number and email and I have given them everything they asked for including phone bills, several months ago to close close acct and get my money. they say they cant read death certificate which I have sent twice from ups and it shows fine. They wont respond and I want my money. They wont let me mail it to them so I dont know what to do
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2019 I was asked by someone to do a favor and receive a money transfer from them, which would be sent on Paypal, and return the sent money ( minus the instant withdrawal fee ) back on XXXX XXXX. I agreed because I knew the person. On XX/XX/2019, I was sent {$440.00} from the sender on Paypal and as promised, I sent back {$430.00} on XXXX XXXX which was the TOTAL amount minus the instant transfer fee. On XX/XX/XXXX on Paypal, an unauthorized purchase case was opened against me by this person. I provided sufficient evidence ( screenshots of messages agreeing and of the XXXX XXXX receipt proving I sent the money back. On XX/XX/XXXX, the sender opened a fraud case with his financial institution and because of Paypal 's incompetency to protect recipients of transactions, I immediately lost the case. I then opened a fraud case with my banking institution to receive the money back that I sent on XXXX XXXX, but the charge was ruled authorized. Now my Paypal account is negative {$460.00} and they want me to cover a scammer so they are not in the red.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the day of XX/XX/2020 i sent an amount of {$300.00} dollars to XXXX XXXX he took the money then sent over the goods. but 2 days later he took it back so i can't access it. He Scammed me.Now i lost my money and the digital goods.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: PayPal is holding funds of mine without cause. {$360.00} from a repeat buyer, funds have never been held before.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2020 I attempted to send money to someone via PayPal, which I do on every payday. The recipient indicated they had not received a notification and I subsequently attempted to send it again. After the second try, I contacted PayPal who indicated the delay was caused by a negative balance in my PayPal wallet. I proceeded to bring that balance to {$0.00} and the PayPal agent advised me to attempt a 3rd payment to the recipient and that he would cancel the first two attempts. I did so, and then called my bank to make sure there weren't 3 attempts to send money. On the following Monday, all 3 payments were deducted from my bank account. I attempted to work with my bank and with PayPal to resolve the issue and there was no resolution. Since all 3 payments were deducted, my checking account went negative, resulting in an overdraft fee of {$74.00}. My bank also returned a car payment and charged me {$37.00} for a returned item fee. There is also now an additional overdraft fee pending on my account for {$37.00}. My frustration is that I worked directly with PayPal to resolve the potential issue only hours after the first 2 payments to the recipient were attempted. The recipient has now received all 3 payments, returned the 2 erroneous ones to me and my checking account is in good standing, however, I am out {$110.00} for fees with an additional {$37.00} fee pending. I would like PayPal to reimburse me the fees that could have been avoided had they properly cancelled the first two erroneous payment attempts.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I paid {$90.00} to someone on PayPal for 3 concert tickets. The person who was selling me the concert tickets was a woman, but after completing the transaction, the payment was to a man. The woman stopped responding to me after I paid for the tickets and is not transferring them to me. This was fraudulent on behalf of the seller 's identity and failure to complete the transaction on her end by transferring me the tickets.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX PayPal advised me that they were placing a six-month hold on the funds in my account. At that time, they told me that at the end of six months I would receive an email with instructions to recover my money, approximately {$2700.00} XXXX. Then on XX/XX/XXXX, my balance was reduced to nil by way of two transactions that I did not authorize, described only as " Transfer ''. One was for {$1300.00} XXXX, the other one was for {$1600.00} XXXX. After 50 minutes I was able to speak with an agent on XX/XX/XXXX, who advised that the funds were indeed taken over by PayPal due to a violation of their T & C. He said that he was unable to say what terms and conditions were violated due to security reasons. When I asked him to explain the incredible coincidence that the amount they " fined '' us was exactly equal to the amount of money we had in our account, he advised that they can take anywhere up to {$2500.00}. PayPal has stolen my money.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have been using Venmo with friends and family to send and receive payments between us. On XX/XX/XXXX two family members, XXXX and XXXX XXXX, used their Venmo accounts to pay me using their XXXX XXXX XXXX XXXX cards. XXXX XXXX processed three payments for {$1000.00}, {$900.00}, and {$100.00} - totaling {$2000.00}. XXXX XXXX processed a payment for {$1000.00}. Each of them had enough funds in their XXXX accounts to cover the payments, and still do. I received the payments in my Venmo account and processed a transfer to my XXXX XXXX bank account. On XX/XX/XXXX each of us received emails that our Venmo accounts were frozen and requesting we send in photographs of our licenses. We have since done so, but our accounts remain frozen and we've received no information regarding why the accounts were frozen. If XXXX and XXXX had the funds to cover the payments why were they stopped and our accounts frozen? This appears to be a mistake on Venmo 's side, but we are the ones paying the price with frozen accounts. We utilize Venmo quite often and would like our accounts unfrozen so we can proceed with utilizing the service. Thank you.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. WITHOUT : Permissible purpose from the creditor. Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A