Money transfer, virtual currency, or money service -- Trouble accessing funds in your mobile or digital wallet -- Complaint #13956455
Complaint Overview
Complaint ID: 13956455
Company: Paypal Holdings, INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet
State: Oregon
ZIP Code: 97212
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I was scammed out of {$700.00} through a PayPal Friends and Family transaction. I disputed this charge with my bank, XXXX XXXX, which investigated and resolved the issue in my favor, refunding the money to my account. However, in late XXXX, PayPal contacted me claiming that I had received a double credit and that I owed them {$700.00}. XXXX XXXX has no record of this alleged double refund. Since then, PayPal has given me conflicting information, often blaming XXXX XXXX or me for the situation. They placed a negative balance on my PayPal account and prevented me from adding funds to cover it. Despite repeated attempts to resolve the issue through PayPals customer servicespending hours on phone calls and online chatsthe problem remains unresolved. PayPals communication has been confusing and at times unprofessional, with numerous grammar mistakes and contradictory explanations. They continue to block me from adding money to my account, and their representatives insist I call collections or supervisors, which I have done multiple times with no clear resolution. I have also been hung up on during calls. Most recently, PayPal informed me that my attempts to add funds were being blocked due to security reasons and that it could take several business days for the issue to clear. Even after waiting the suggested XXXX hours, I was still unable to add money. I transferred funds from my bank directly to PayPal, but the transfer is still pending with no clear timeline for completion. Throughout this ordeal, I have requested a formal apology from PayPal management and a goodwill payment to acknowledge the significant inconvenience, stress, and financial harm caused. PayPal has refused to provide either. I am currently planning to close my PayPal account once this matter is resolved. This situation has caused me a great deal of frustration, wasted time, mental distress, and financial uncertainty. Despite providing evidence from XXXX XXXX supporting my case, PayPal continues to insist I owe the money and fails to take responsibility for the ongoing confusion and harm.
Frequently Asked Questions
What is Complaint #13956455 about?
Complaint #13956455 was filed against Paypal Holdings, INC regarding Money transfer, virtual currency, or money service specifically about Trouble accessing funds in your mobile or digital wallet. It was received by the CFPB on 2025-06-07T12:00:00-05:00.
How did Paypal Holdings, 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 (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Paypal Holdings, INC?
Yes, visit the Paypal Holdings, INC company profile at readthecomplaint.com/company/paypal-holdings-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.