PayPal

Paypal sent me to collections without contacting me because they changed my account balance to negative. I have had no transactions on this account in the last XXXX years, and they said my account went negative in XX/XX/XXXX. Their chat bot was supposed to send me an email about my transaction history that never sent, and after chatting with an agent they told me the " transaction '' happened in XXXX of XXXX. This is clearly either out right fraud or a mistake they're refusing to admit. I have been told to contact the collections department to resolve this, but the number is answered by a bot that does not let you proceed without paying your negative balance. I can't even report this XXXX payment as fraud ( even though it clearly is ) because fraudulent transactions have to be reported within 180 days and they didn't even try to charge it until XXXX and a half years later, and didn't tell me my account was negative before sending it to collections

To whom it may concern, I must formally dispute your conclusion. I did not authorize XXXX to charge my husbands card, and I did not intend for any billing agreement to allow charges to this payment method. This card does not belong to me, and I did not provide consent for it to be used for this transaction. If a billing agreement exists, it was not authorized by the cardholder for this charge, which raises serious concerns about how this payment was processed. I request that you review the following : Whether proper cardholder authorization was obtained The exact billing agreement you are referencing, including when and how it was approved Please provide documentation showing that the cardholder ( my husband ) explicitly consented to this billing agreement and this specific charge. Given that the charge involves a third-party cardholder who did not authorize the transaction, I request that this claim be fully reconsidered.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debit card compromise issues .I request please open a dispute.im now outside of united state.I have filed my written complaint below. I think that's the reason.for debit card compromise I meet someone on a dating website, XXXX, and then we would talk regularly on a XXXX account. He sold dating-related services and products, and when I wanted to buy a product from him, she sent me a payment link.When I tried to complete the payment with my Venmo debit card number and billing address, the payment failed. I think she saved my card information Then the person asked me if maybe there was no balance in my account so the payment failed.Since I talk to him every day, I tell him how many dollars I have, I didn't suspect him at the time.Later he deleted our conversation and probably blocked me. I couldn't find him anymore.I believe that person sold my card information to she misused it. She is a scammer.…

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I am filing this complaint against PayPal for their failure to resolve an unauthorized transaction ( Case ID : XXXX XXXX for an order ( Invoice ID XXXX, Transaction ID : XXXX ) totaling {$110.00} at Instant-Gaming.com. My account was compromised following a documented hardware breach on XX/XX/year>, leading to this fraudulent purchase on XX/XX/year>. This was an unauthorized account takeover by a third party. The evidence of fraud is clear and was ignored by XXXX investigation. First, the unauthorized purchase was for a " XXXX / XXXX XXXX '' ( Gift card in XXXX ) and included " XXXX '' ( transaction costs ). I am a resident of the United States and have never authorized a transaction in a foreign language or currency. Second, I have never had an account with XXXX. Upon contacting the merchant, they provided written confirmation that they permanently deactivated the account used for this purchase for " security reasons '' and explicitly acknowledged the high likelihood of a hack.…

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My bag was stolen on XXXX XX/XX/year>, and it contained my Venmo debit card and personal important belongings. After the theft, multiple unauthorized transactions were made without my permission. These transactions included purchases at XXXX XXXX and XXXX. I did not authorize any of these transactions, and they occurred after my belongings were stolen. There were XXXX unauthorized transactions at the same XXXX location within a short time period. Venmo reviewed these transactions and refunded XXXX of them, acknowledging unauthorized activity. However, XXXX other transactions from the same location and under the same circumstances were denied, even though they were part of the same incident. I reported the fraud to Venmo as soon as I became aware of it and submitted supporting documentation, including XXXX police reports and camera footage of the suspect. Despite providing this evidence, Venmo has not consistently resolved all related unauthorized transactions.…

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I am filing this complaint regarding unauthorized transactions conducted through my account with PayPal, which resulted in a negative balance that I am now being asked to repay despite clear evidence of fraud. My PayPal account was linked to my account with XXXX, and I initially reported the issue to XXXX after noticing suspicious activity because my bank account was directly connected to PayPal and used as a funding source. This situation arose in the context of a broader security incident in which my mobile phone, wallet, and work laptop were stolen, leading to multiple compromised accounts. Following my report, XXXX conducted a formal investigation and confirmed that my account had been compromised, that my financial information was accessed without authorization, and that the transactions in question were unauthorized and fraudulent.…

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I am filing this complaint against PayPal regarding their refusal to allow me to open an account, based on fraudulent activity that I did not commit and that resulted from identity theft. I have never knowingly opened or used a PayPal account. However, about a week ago, I attempted to create an account because my current employer requires PayPal as a payment method. When I was unable to complete the process, I contacted PayPal customer service for assistance and provided my information for verification. During this process, I was informed that my personal information is already associated with multiple PayPal accounts. This was extremely concerning because I have never created any accounts with PayPal. I immediately explained that I have been a victim of identity theft between approximately XXXX and XXXX, during which unknown individuals used my personal information without my authorization.…

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To Whom It May Concern, My name is XXXX XXXX, owner of Truly Grateful Bakery ( email : XXXX, phone : XXXX ). I am submitting this letter as a formal complaint and request for escalation regarding ongoing issues with my XXXX account that have prevented me from operating my business effectively. Since XX/XX/2025, I have been attempting to create a XXXX payment link that includes taxes, delivery charges, and all required transaction details. Despite numerous attempts and multiple contacts with customer support, this issue remains unresolved. I have linked my bank account on XXXX separate occasions ; however, I have never received the required verification deposits. I have repeatedly explained this to customer service representatives, yet I continue to be told that my bank account is not connected. During a recent call, I was also informed that there may be a restriction or freeze on my account, but no one has clearly explained what the issue is or provided steps to resolve it.…

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On XX/XX/XXXX, I received multiple payments totaling {$4300.00} from another Venmo user. Within approximately XXXX hours of receiving those funds, I returned the full amount to the exact same Venmo account. I did not retain any of these funds and received no financial benefit from these transactions. After the funds were returned, the original sender initiated a chargeback through their bank. As a result, Venmo assigned a negative balance to my account, holding me responsible for the chargeback amount despite the fact that the funds had already been returned in full. Since then, Venmo has also withdrawn funds from unrelated incoming payments to my account, labeling them as account recovery payments. These include : {$60.00} on XX/XX/XXXX {$22.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX I contacted Venmo support and provided full details of the transactions.…

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I have a XXXX personal and business account with a bit more than {$15000.00} in it. I use it to receive payments for my business ( account is tied to my phone number XXXX ). My account has been suspended asking for more information, picture of my ID which I provided the same day. It's been 30 days now, 6 calls so far - one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last one today XX/XX/XXXX. 6 escalations to their department that supposedly is only accessible via email that no one can get a hold off. Been told every time to wait 3-5 days because it's been escalated again so surely it will be fixed. All I want is to get access to my funds and close my account which I'm not even able to do at this point.

Dear XXXX XXXX XXXX, I am writing to formally file a complaint regarding several unresolved disputes and unauthorized transactions associated with my PayPal account. Despite multiple claims submitted, I have not received fair resolution or reimbursement for significant financial losses. Over the past several months, I have experienced approximately XXXX to XXXX separate cases involving unauthorized or fraudulent activity, totaling between {$3000.00} and {$6000.00}. These incidents include : XXXX. Unauthorized Transactions : Multiple purchases were made using my PayPal account and linked card without my authorization. I reported these transactions promptly ; however, PayPal denied the majority of my claims. In XXXX instance, they approved a refund for a small transaction ( approximately {$30.00} ) from a specific merchant, yet denied all other related transactions from the same merchant, which were clearly part of the same fraudulent activity.…

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On the night of XX/XX/year> XXXX froze my personal XXXX account. XXXX that created issues with my business as I have a business account with XXXX as well that payments came into but then where drawn off of via the personal XXXX account. Since my personal account had a substantial amount of money in it that was going to be used to purchase things needed to complete a project I was hired for I was unable to do so. This issue caused me to not be able to complete the project and hence defaulted on said project. The client then asked XXXX to reimburse them the money they had paid which they did subsequently overdrawing the business XXXX account which they then froze as well. Now XXXX is asking me to pay them back for the money they returned to the client while still holding my money in the personal XXXX they could easily use to satisfy this situation. At this point I just want to resolve the issue and get back any remaining money from my account.…

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Issue : PayPal is withholding my funds after permanently limiting my account without proper justification. Complaint : PayPal permanently limited my account and is currently holding my funds without providing a clear or valid explanation. During my attempt to resolve the issue, I was asked questions unrelated to the transactions, including personal family details that were not necessary for account verification. I fully cooperated and explained that the transactions in question were legitimate personal transfers to a family member. Despite this, my account was restricted and my funds remain inaccessible. This has caused financial hardship, as I rely on access to my money for essential expenses. PayPal has failed to provide transparency, a fair review process, or timely resolution.…

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My PayPal account ( XXXX ) was suddenly and permanently limited on XX/XX/year>, for " security reasons '' with no prior notice or specific explanation. In XX/XX/year>, I was traveling in the XXXX. On XX/XX/year>, I received a legitimate refund from the XXXX mobile operator XXXX into my PayPal account. Several hours later that same evening, my account was permanently restricted. I have never violated the PayPal User Agreement or Acceptable Use Policy. There were no chargebacks, disputes, or suspicious activity. The limitation appears to have been triggered solely by this normal refund received while traveling XXXX. On XX/XX/year>, I sent a detailed formal complaint to XXXX, XXXX, and XXXX requesting a secondary review, specific explanation, and restoration of the account or release of funds. It has now been 6 days with no response. PayPal 's support ( XXXX ) only sent a generic template response that provided no details and did not ask for any verification documents.…

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I am filing a complaint against Venmo regarding an unjustified account suspension XXXX withholding of my funds. My Venmo account was suspended, XXXX approximately {$320.00} of my money has been held for over a week. These funds came from legitimate sales transactions ( XXXX separate payments from the same customer ). Venmo requested verification, including a copy of my driver 's license, which I provided promptly. Despite complying with all requests, I have received no meaningful response, no timeline for resolution, XXXX no explanation for why my funds continue XXXX be held. My account remains suspended, XXXX I am unable XXXX access my money. This lack of communication XXXX prolonged withholding of funds is causing financial inconvenience XXXX appears unfair XXXX unreasonable.…

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I received a funds transfer via XXXX as nanny for my nanny family. I have received multiple payments from this person. I was notified in XX/XX/year> that this persons spouse filed a claim stating the transfers were unauthorized and she had used his card. XXXX notified me the funds were debited from my account. I reached out and filed a claim. Dispute numbers are below. It took XXXXo 75 days to respond and let me know they were not putting the money back into my account, leaving it negative roughly {$4500.00}. I reached out to the sender and they have provided multiple messages indicating its authorized. XXXX will not provide us the details of the dispute on why it is not being given back and Im left negative {$4500.00}. Dispute : XXXX XXXX XXXX XXXX XXXX

On XXXX XXXX I initiated a cash pickup transaction to send USD to XXXX via XXXX. I made the option to have money deducted from my XXXX XXXX XXXX, I was sent to login to my XXXX XXXX account and a one time passcode was sent to me and then XXXX XXXX took the money out of my account. Afterwards I went back to XXXX and they did not provide me with a transaction receipt/number. The total amount deducted from XXXX XXXX XXXX was {$1100.00}. I contacted XXXX immediately and they could not provide me a transaction number they stated that it is not in their system and they say that they are not able to help me and they hung up. I contacted again and they said the same thing and they told me to submit an email and they are unwilling to help. I had made a fraud dispute with XXXX XXXX and they denied my claim. My money is gone and no one knows where it is.

I have been unable to use my XXXX account for several months due to ongoing technical and account functionality issues. Specifically, transactions consistently fail, and I am unable to add a bank account or debit card to restore normal use of the account. I have attempted to resolve this issue multiple times by contacting XXXX customer support. Despite repeated outreach, the issue has not been resolved, and I have not been provided with a clear explanation or a timeline for resolution. The responses I have received have been either generic or have not addressed the underlying problem. As a result, I have effectively lost access to a financial account that I rely on, which has impacted my ability to conduct normal transactions. This has caused ongoing inconvenience and potential financial disruption.…

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I transferred funds from my XXXX account to my XXXX checking account XXXX XXXX XXXX in the amount of {$4900.00} and XXXX in the amount of {$1000.00} ) in XX/XX/year>. Because at the time my XXXX is using my XXXX name XXXX XXXX and XXXX had my XXXX name XXXX XXXX, XXXX decided to flag the transactions for fraud, closed my account, and refuses to send me back the money. XXXX claims the only way I can get the funds back is having XXXX file a " hold harmless claim '' on behalf on me. I've called XXXX customer service many times and they refuse to help me with XXXX. The only thing they did was file an internal dispute and temporarily gave me back the money but now wants it back and my account is frozen until I send them money back.

Paypal accepted a suspicious deposit to my account and will not remove it. I have tried to report this activity as fraudulent but they just keep coming back with error message. I have tried to close the account which they will not do unless I transfer the fraudelent pament. I have removed all my bank accounts from their platform but they will not allow me to remove the remaining credit card information.

This complaint is a continuation of a previously filed CFPB case involving unauthorized activity on my PayPal Balance, a missing {$10.00} refund reversal, and misapplied payments that resulted from my PayPal Balance being shorted after unauthorized transactions. On XX/XX/year>, I received a XXXX letter from XXXX XXXX stating that they need more information regarding a PayPal Mastercard ending in XXXX. I did not apply for this card, did not authorize it, and previously disputed it as identity theft in my earlier CFPB filing. XXXX had already responded to the CFPB and closed the {$10.00} reversal portion of the case without resolving the missing refund or the PayPal Balance shortage. The XX/XX/XXXX letter shows that XXXX is still treating the fraudulent account as legitimate and is still requesting information from me, despite my prior dispute and the unresolved issues.…

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I am filing this complaint against PayPal regarding multiple cryptocurrency transfers that resulted from a coordinated online fraud scam and were improperly denied by PayPal. Between XX/XX/year> and XX/XX/year>, I was manipulated through XXXX by individuals posing as customer service staff, executives, and financial personnel in what appears to be a task/commission and fake withdrawal scam. These scammers repeatedly pressured me to send additional funds with false promises that : my earnings would be released within minutes my balance would be unfrozen my credit score had to be repaired I would receive bonuses and commissions I needed to complete XXXX final task to withdraw As a direct result of this deception, I made multiple transfers from my PayPal account, including : XXXX transfers {$450.00} to XXXX {$1400.00} to XXXX {$390.00} to XXXX {$99.00} to XXXX Additional XXXX transfers prior XXXX XXXXransfers previously reported in my earlier PayPal claim and evidence These…

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I have been trying for 4 months to simply transfer my bitcoin that they hold for me to another bitcoin wallet. Every single time I attempt this on Paypal it says " We're having trouble making sure it's you '' with NO further instructions whatsoever. It's ludicrous. There is no contact phone numbers easily available. When I finally research customer service number for Paypal then I have to talk to an outsourced customer service rep in the XXXX that can't help me whatsoever other than tell me that somehow they have fixed this heightened security concern behind the scenes... then they tell me to wait 24 hours and try again. I do exactly as instructed and the STILL get the same error message " We're having trouble making sure it's you '' with no further instructions. I have talked to so called managers on the phone and NOBODY can fix this and meanwhile they are holding my XXXX hostage.…

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I returned an item exactly as instructed and shipped it to the return address provided by PayPal/the merchant. I paid {$65.00} for international shipping and provided the tracking number within the case. The tracking confirms the item was delivered to the correct address in XXXX, XXXX ( XXXX XXXX ). PayPal denied my dispute multiple times claiming there was no proof of shipment, even though valid tracking and delivery confirmation were submitted. As a result, I lost {$170.00} for the item and {$65.00} for return shipping despite fulfilling all return requirements. I am requesting reimbursement and a proper manual review of my case.

I am submitting this complaint regarding XXXX handling of multiple unauthorized transactions on my XXXX debit card. I identified several transactions on my account that I did not authorize and promptly reported them to XXXX. Despite my report, XXXX denied my dispute, stating that the charges were considered valid because I have previously conducted transactions with the same merchant ( s ). This reasoning is fundamentally flawed and does not meet the standards required for a proper investigation into unauthorized electronic fund transfers. The fact that I have used a merchant in the past does not establish that I authorized these specific transactions. XXXX failed to conduct a reasonable investigation into whether these transactions were actually authorized by me. Instead, they relied on prior account activity, which is not a valid basis for determining authorization. At all relevant times : I did not authorize these transactions.…

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In late XX/XX/year>, I received a total of approximately {$1800.00} sent by family through PayPal for an urgent personal emergency. This was not a business transaction or sale. The payment was incorrectly processed as a XXXXXXXX XXXX XXXXXXXX transaction, and PayPal placed a hold on the funds. A fee was also deducted from the payment. Only a partial amount ( approximately {$200.00} ) was released, while the remaining balance continues to be restricted. On XX/XX/year> and XX/XX/year>, I made multiple attempts to resolve this issue by contacting PayPal customer support. I spoke with several representatives across different departments, including dedicated support and limitation teams. During these interactions, I received conflicting and inconsistent information. Some representatives stated that the transaction was flagged due to internal security systems.…

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CFPB Complaint Description Product : Money transfer, virtual currency, or money services Issue : Fraud or scam / Unauthorized transaction Company : PayPal Holdings , Inc. Detailed Description : I am filing this complaint against XXXX for its failure to secure my account from persistent fraud and for its refusal to provide a Reasonable Accommodation under the Americans with XXXX XXXX ( XXXX ). XXXX. Failure to Stop Unauthorized Debits ( Regulation XXXX Violation ) : Since XX/XX/XXXX, a merchant identified as R and R Car Company ( XXXX XXXX ) has initiated over XXXX unauthorized " pull '' attempts of {$1000.00} from my account. Despite my repeated reports to PayPal and reporting my card as lost/stolen, PayPal has XXXX to implement a permanent merchant block. On XX/XX/XXXX, PayPal issued a summary denial of my dispute ( Case # XXXX XXXX XXXX claiming " not enough evidence '' despite XXXX documented attempts visible in their own system.…

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I am filing this complaint against PayPal for gross administrative negligence and a failure to uphold their XXXX XXXX policy regarding XXXX XXXX. Background : On XX/XX/XXXX, I made XXXX related payments for a shipment of goods : XXXX for {$460.00} and a supplementary payment of {$150.00}. Upon arrival, the items were found to be severely damaged and chemically contaminated inside factory-sealed packaging, emitting toxic fumes that caused physical eye irritation. The Issue : XXXX. Contradictory Decisions : PayPal has already investigated this exact shipment and admitted the goods were " Significantly Not as Described, '' issuing a full refund for the {$460.00} portion. However, they have arbitrarily denied/closed the dispute for the remaining {$150.00}, despite it being the exact same physical goods from the same transaction. XXXX. XXXX and XXXX Violations : The items are hazardous.…

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On XX/XX/year> I was defrauded by a transport company and i called venmo right away. They told me that they couldnt reverse the payment but told me to call my bank and put a stop payment. I followed their instructions and was able to stop the payment from my bank. Next thing I received from venmo was that my account was now XXXX since the payment was still completed. I tried calling them back several time explaining that I only acted as they instructed, No one was able to help stating that it was on the receiver to return the funds. I finally called again and got a supervisor. they opened up a dispute for me that was denied... They also told me there were no notes logged for any of the times i had previously called. Not only was I defrauded by the company buy received no help from venmo and they actually enabled it by their lack of professionalism and ill trained customer service representatives. Now my account is frozen and they are claiming I owe them the money.

I am filing this complaint because my PayPal account XXXX was permanently limited without any specific explanation or violation of the User Agreement. As a user in XXXX, I use this platform for legitimate personal transactions. I have contacted customer support multiple times and only received automated responses stating that the decision is final, without giving me the opportunity to provide documentation to verify my identity or the source of my transactions. I am requesting a manual review of my account by a human agent. I am willing to provide any necessary KYC ( Know Your Customer ) documentation, such as my ID and proof of address, to restore my account 's full functionality. My goal is to continue using PayPal 's services fairly and transparently.

I am submitting this complaint regarding funds currently being held in my PayPal account following a permanent limitation. My account was recently limited, and approximately $ XXXX of my personal funds are now being held. I have complied with all of XXXX requests, including submitting identification and cooperating fully with the review and appeal process. However, I have not been provided with a clear explanation for the limitation or a reasonable timeline for when my funds will be released. These funds are not associated with any fraudulent activity to my knowledge and represent legitimate personal funds. At this time, I am a college student facing financial hardship, and these funds are urgently needed to cover essential living expenses, including rent and bills. Despite attempting to resolve this directly with PayPal through their support channels, I have not received meaningful assistance or a resolution. I am requesting : XXXX.…

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On XX/XX/2026, I discovered my PayPal business account had been permanently limited when a business transaction was declined. I received no email notification, written notice, or advance warning of any kind before or after the limitation was applied, in violation of PayPal 's User Agreement Section XXXX. I contacted PayPal by phone to understand the reason for the limitation. I was told verbally that the account was disabled, that they can not disclose the reason due to internal policy, and that only an attorney subpoena can compel disclosure of the reason. No written explanation was provided. At the time of limitation, my account held approximately {$2200.00} in cryptocurrency and {$40.00} in cash balance totaling {$2300.00}. These funds remain frozen with no explanation and no release timeline provided. My account was used exclusively for legitimate business purchases and payments to freelancers and contractors.…

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I am a fully verified user. PayPal is withholding my funds due to an internal 'Profile Linking Error ' confirmed by agent XXXX XXXX XXXX ID : XXXX ). Despite this admission of a technical system glitch, agents XXXX XXXX and XXXX refused to escalate the case to a supervisor for a manual override. Instead, they are forcing an unjustified XXXX wait on verified funds, which is a known stalling tactic. This is an arbitrary obstruction of my legal balance. I demand an immediate manual review, a supervisor override, and the release of my funds.

I. STATEMENT OF FACTS I am a XXXX professional ( XXXX License # XXXX ). I have used XXXX ( User ID : XXXX XXXXXXXX ) as a primary financial lifeline for years, processing daily transactions essential to my personal life and business operations. In XX/XX/XXXX, XXXX sent a vague warning regarding a potential " terms violation '' but provided no specifics. I continued to use the service in good faith. On Friday, XX/XX/XXXX, XXXX permanently deactivated my account without prior notice, inquiry, or any request for identity verification. II. PROCEDURAL UNFAIRNESS ( UDAAP ) XXXX is a regulated financial institution and has a duty of transparency. By jumping from a non-consequential warning in XXXX to a permanent " XXXX XXXX '' for my account on XX/XX/XXXX, XXXX has : XXXX. Prevented Corrective Action : I was never told what the " violation '' was, denying me any chance to adjust my behavior or provide documentation XXXX.…

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I have been a member of PayPal for over XXXX years ( " PayPal Account '' ). I also have the PayPal XXXX XXXX ( " PayPal Card '' ). I am able to use the PayPal Card in person and through one time purchases on my PayPal Account without issue. However, whenever I try to set up a recurring payment ( a " subscription '' ) PayPal fails to use my card and instead charges my bank account. For example, I had a recurring transaction to pay XXXX. The payment to them on XX/XX/XXXX for {$20.00} had no issues and successfully charged my card. The next month ( XX/XX/XXXX ) for the same amount it was unable to charge my card and instead charged my bank account. Similarly, I had a recurring payment to " XXXX XXXXXXXX XXXX XXXX XXXX '' which charged on the XXXX of every month ( {$39.00} ). The charge on XX/XX/XXXX failed to charge my card ( and instead charged my bank ). The one a month earlier ( XX/XX/XXXX ) properly charged my card.…

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