Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4777145
Complaint Overview
Complaint ID: 4777145
Company: Paypal Holdings, INC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Wisconsin
ZIP Code: 53144
Date Received: 2021-10-04T12:00:00-05:00
Date Sent to Company: 2021-11-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account. I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help. This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal.
Frequently Asked Questions
What is Complaint #4777145 about?
Complaint #4777145 was filed against Paypal Holdings, INC regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-10-04T12:00:00-05:00.
How did Paypal Holdings, INC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Credit card or prepaid card) 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.