Debt collection -- Attempts to collect debt not owed -- Complaint #12410140
Complaint Overview
Complaint ID: 12410140
Company: Skrill USA, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77494
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I processed a {$40000.00} transaction via my account wiht a credit card processing company called XXXX XXXX, On XX/XX/XXXX, I received an unexpected email from Paysafe, a company with which I had no prior relationship, requesting documentation for security verification. By that time, the funds had already been deducted from my customers account but had not been transferred to mine. After approximately 45 days, the transaction was declined for reasons that appeared baseless. I requested a refund for my customer, but despite not receiving the funds, Paysafe instructed me to process the refund through their app and I followed and initiated the refund via the App. and that took an additional six days to return the money to my customer 's account, with no explanation for the delay. On XX/XX/XXXX, I noticed two unauthorized charges totaling {$3200.00} ( {$1600.00} and {$1500.00} ) deducted from my account by XXXX XXXX. Upon inquiry, I was informed that these fees were related to the declined transaction. Further investigation revealed that I was charged over an 8 % fee, despite my contractual fee structure being only 1.75 %, which should have resulted in a charge of approximately {$700.00} in case they had approved and processed the transaction which never happened. Demanding clarification from XXXX XXXX, they directed me to Paysafe, a company with which I have no contractual agreement. I reached out to three different representatives at PAYSAFE, and each one treated me in an unprofessional and dismissive manner. Their only response was that the fees were for reviewing my case, and that they could charge whatever they deemed necessary based on their company policy, which they refused to disclose. Frustrated by this lack of response, I contacted my bank to dispute the charges. The bank reversed both transactions and restricted their access to my account. I was informed that if PAYSAFE could provide legitimate evidence of the transaction, and if my bank approved it within a 45-day period, I would be required to repay the reversed amount. On XX/XX/XXXX, Paysafe emailed me demanding payment of {$3200.00}, which I immediately declined. They then opened a case but have since failed to provide any further communication. On XX/XX/XXXX, I received a call from a debt collection agency claiming to represent Paysafe. I explained that their claim was baseless. In response, they began harassing me and my wife by repeatedly calling from different numbers and even intercepting my phone, using the names and numbers of my saved contacts to disguise their calls. I request your assistance in resolving this matter. Please advise on the next steps or any additional information required to expedite the resolution.
Frequently Asked Questions
What is Complaint #12410140 about?
Complaint #12410140 was filed against Skrill USA, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-10T12:00:00-05:00.
How did Skrill USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Skrill USA, INC.?
Yes, visit the Skrill USA, INC. company profile at readthecomplaint.com/company/skrill-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.