{"took":1076,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11244289","_score":32.05231,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Under Section 910 of EFTA, Financial institutions have a responsibility to their customers under any circumstances to maintain any amount of money transfer. \n\nDifferent from online virtual competitors, where you are simply trading the equivalent of virtual credits, Zelle was actual account to account transfer. It was suppose to cut out the need for a third-party dark pool, And it was FDIC insured . So if the financial institution had an issue, and that aforementioned section 910 became applicable, your customer would not lose such money. \n\nHeres the problem. We can pull inspiration from the collapse of XXXX XXXX. The financial institutions had to come together and set up a pool of money. They also had to drain the existing insurance account and refill it. \n\nWhen you look at the type of money missing from Zelle, assuming your standard {$250000.00}, you get about XXXX customers from the $ XXXX that is missing. Its actually a lot more customers than that because most transactions arent even close to {$250000.00}. \n\nOur existing Insurance, FDIC, XXXX, and NCUA, they arent enough, overlap. They all accomplished generally the same thing. For the same people. And same companies. Just for different reasons. And generally are not funded with enough money to get the job done. Thats the need for the executive fund to save the failing regional banks. Which is a good solution to me, taking it from the decision maker. \n\nIntegration of account to account transfers and efficient insurance safety nets into our XXXX centralized baking system is ideal. Allowing for-profit competitors to drive such decisions, instead of having them privatizing the necessary infrastructure, can destabilize an otherwise balanced action. \n\nXXXX Tells us that these financial institutions have a responsibility. Beyond just their shareholders, beyond just their interest, beyond their loan rates. To expect your customers, the taxpayer, or the shareholder, to refill the insurance, that bail out the banks, for decisions that the bank executives make, is inappropriate. Furthermore, these fiduciaries, whether the executive or business itself, get bonuses and incentives for things like increased transfers and holdings which having said service would do. \n\nXXXX XXXX, My fear with Zelle, and her competitors, is that we are violating 5 CFR 2635.702, and 7 usc 9, and most importantly 18 usc 666 These XXXX financial institutions and its competitors have a responsibility due to the public funding they receive in order to maintain this banking system for us. \n\nSo now Anyone whos lost money in this environment has a claim against those companies. For breach of fiduciary responsibility. For breach of financial institution and transactional responsibility. For breach of personal and public commerce responsibility But! by driving away this account to account transfer in order for the executives or the company to avoid liability, we are prioritizing other third-party transaction companies. Businesses like debit and credit card processing. Also uninsured Credits virtual currency trading that do not have fair market collateral value and violate 31 usc 5103. \n\nIn certain cases, you can see where these third-party transactional companies and virtual credits, be that XXXX or XXXX ( the dark pools and virtual credits used to facilitate the transaction ), show to actually unbalance the system. They practically operate as ancillary currency. Which makes commerce difficult when you have to use one currency to get to the second currency in order to pay for the third thing.\n\nIn all of this something thats gone unanswered are companies like XXXX. In my life, I prefer external account set up rather than something like XXXX  and XXXX. Many customers use these third-party transactional companies to connect banks and connect finances. Forcing me to sell my financial transactions to this third-party, Just to simply access my money. \n\nRestricting currency transfers and account to accounts transfers in any capacity, or prioritizing data driven profit, would manipulate the market and stabilize our supposedly balanced XXXX XXXX \n\nI would be concerned our decision-makers ( who are allowed to make decisions that are equivalent to insider trading ) could easily manipulate the actual investment banks that run the stock market, our retirement accounts, our financial institutions, the tradables like currencies, commodities, and crypto. prioritizing existing XXXX XXXX companies who are poised to make money off of the sale of customers data, rather than prioritizing, safe and secure transactions That support a balanced global financial network. \n\nThis concern extends to Under 53 usc 30114 ( a ) ( 2 ), where campaign contributions can be used for official acts of these decision-makers. Many of the aforementioned Government contracts and traded securities, Lobby for this exact reason. Its easy to see where our decision-makers can get Swayed into making the wrong decision in order to get reelected. Luckily, our laws protect them and us from that natural phenomenon that lobbyist, XXXX, and campaign contributors take advantage of. \n\nI dont wan na worry about my retirement account because someone elses bank couldnt figure out how to transfer a couple XXXX dollars properly. \n\nAnd I certainly Dont want it to be more difficult to spend, transfer, and receive Currency because I have to integrate a data Point- a data point of my personal information, that Im not even getting paid for. \n\nAnd lastly, I do not want to compromise an otherwise balanced system, in order to incentivize an executive, or reelect a politician, Or manipulate a share price.","date_sent_to_company":"2024-12-21T17:37:12.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"121XX","tags":null,"has_narrative":true,"complaint_id":"11244289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-12-21T15:41:10.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under Section 910 of EFTA, Financial institutions have a responsibility to their <em>customers</em> under any circumstances to maintain any amount of <em>money</em> <em>transfer</em>. \n\nDifferent from online <em>virtual</em> competitors, where you are simply trading the equivalent of <em>virtual</em> credits, Zelle was actual account to account <em>transfer</em>. It was suppose to cut out the need for a third-party dark pool, And it was FDIC insured ."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"company":["Early Warning <em>Services</em>, LLC"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[32.05231,"11244289"]},{"_index":"complaint-public-v1","_id":"13078291","_score":28.017208,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Text COPY/PASTE THIS Summary of issue : PayPal is holding {$2000.00} that was sent to me from my mother via her verified PayPal account XXXX This money was a personal loan to help launch my startup, a XXXX  company called XXXX XXXX AI. There was no product or service exchanged it was a direct transfer from a known, repeat VERIFIED sender. \n\nImmediately after receiving the payment, PayPal flagged my account, restricted access, and informed me that I would no longer be allowed to use PayPal services. They then placed a 180-day hold on the full {$2000.00}, even though the funds had already cleared from my mothers bank account. \n\nPayPal will not allow me to refund the sender. My mother also tried to initiate a refund or dispute from her account but was given no option to do so. Weve both contacted PayPal customer support multiple times and were told nothing can be done. The money is just being held with no access or recourse despite no wrongdoing, fraud, or dispute. \n\nThis is not a seller transaction. It was a family loan. The sender wants the money returned, and I have no way to release it. \n\nThis situation is financially devastating, as the funds were to be used immediately for business startup costs. PayPals policy of locking down funds for 180 days without appeal or refund option, and refusing to return the money to the rightful sender, is unjust, unreasonable, and possibly unlawful. \n\nRequested resolution : I am requesting that PayPal immediately release the {$2000.00} to the original sender or allow me to refund the transaction without waiting 180 days. This was a personal/family transfer, not a sale, and there is no dispute between the parties. We both agree the money should be returned. \n\n\nCompany : PayPal , Inc . \nDate of Transaction : XX/XX/year> at XXXX XXXX  PDT Your account email XXXX Senders email : XXXX Amount : {$2000.00} Problem Type : Other problem Product Type : Money transfer, virtual currency, or money service Transaction ID : XXXX","date_sent_to_company":"2025-04-21T12:44:08.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"32159","tags":null,"has_narrative":true,"complaint_id":"13078291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-21T11:58:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We both agree the <em>money</em> should be returned. \n\n\nCompany : PayPal , Inc . \nDate of Transaction : XX/XX/year> at XXXX XXXX  PDT Your account email XXXX Senders email : XXXX Amount : {$2000.00} <em>Problem</em> Type : Other <em>problem</em> Product Type : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Transaction ID : XXXX"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[28.017208,"13078291"]},{"_index":"complaint-public-v1","_id":"15804536","_score":27.835108,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : PayPal Product/Service : Money transfer, virtual currency, or money service Issue : Problem with a money transfer Sub-issue : Money was not available when promised What happened : On XX/XX/year>, I sent {$500.00} to my cousin in XXXX for a medical emergency through PayPal. ID XXXX. My cousin specifically opened a new PayPal account to receive this urgent transfer. Instead of delivering the money, PayPal permanently closed her account and kept my funds. \nPayPal has essentially stolen this money. They took payment for a service ( international money transfer ), failed to deliver that service, and refuse to provide a refund. It has now been almost XXXX  years, and they have been earning interest on money that rightfully belongs to my family during a medical crisis. \nTimeline : XXXX  : Sent {$500.00} to cousin in XXXX for medical emergency Shortly after : PayPal permanently closed my cousin 's account without explanation Money was never delivered to recipient Money was never refunded to me Multiple attempts to contact PayPal have been unsuccessful The Core Issue : This is not a policy dispute - this is theft. PayPal accepted my payment, failed to provide the promised service, and has kept my money for nearly XXXX  years while my family dealt with a medical emergency. \nPayPal 's Discriminatory Practices : PayPal appears to systematically target accounts in developing countries like XXXX, making it nearly impossible for people there to contact customer service or appeal decisions. There is literally NO WAY to send PayPal an email- they have deliberately removed all direct contact methods to avoid accountability. They profit by keeping money from international transfers while providing XXXX customer service, XXXX appeal process, and XXXX recourse for victims. \nThe Impossible Situation They've Created : No email contact available Phone support provides scripted responses with no resolution Online \" help '' forms lead nowhere My cousin in XXXX has absolutely no way to appeal or even inquire about her closed account I have no way to recover my stolen {$500.00} This is a deliberate system designed to steal money from international transfers while making it impossible for victims to seek help. PayPal has created a perfect crime- take the money, close the account, provide no contact method for resolution. \nWhat would be a fair resolution to your complaint : Full refund of {$500.00} plus interest earned over the XXXX period they have held my money. PayPal has had free use of my funds for XXXX months while my family suffered during a medical emergency. This company can not be allowed to steal money from customers under the guise of \" account limitations '' while providing XXXX customer service or appeal process.","date_sent_to_company":"2025-09-08T12:56:47.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"15804536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-09-08T12:40:14.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : PayPal Product/<em>Service</em> : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Problem</em> with a <em>money</em> <em>transfer</em> Sub-issue : <em>Money</em> was not available when promised What happened : On XX/XX/year>, I sent {$500.00} to my cousin in XXXX for a medical emergency through PayPal. ID XXXX. My cousin specifically opened a new PayPal account to receive this urgent <em>transfer</em>. Instead of delivering the <em>money</em>, PayPal permanently closed her account and kept my funds."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[27.835108,"15804536"]},{"_index":"complaint-public-v1","_id":"2861450","_score":26.915348,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"MEMORANDUM TO : Coinbase CEO, XXXX XXXX XXXX FROM : XXXX XXXX XXXX ( XXXX ), ( Coinbase Account # ending in XXXX ) DATE : XX/XX/XXXX RE : Coinbase Case # XXXX : Wire transfer of XX/XX/XXXX from My XXXX checking account to my Coinbase account for the amount of {$25000.00} USD ( XXXX transaction # XXXX, Federal Reference # XXXX, and Reference # : XXXX. ) ISSUE Coinbase is a digital currency wallet and trading platform, however this issue is a US Dollar issue and has nothing to do with any virtual currency or trading. On XX/XX/XXXX I transferred {$25000.00} USD from my XXXX checking account to my Coinbase.com account using XXXX 's website. My Coinbase Case # XXXX, the XXXX transaction # is XXXX, Federal Reference # is XXXX, and Reference # is IISTPBFP. ) The {$25000.00} was withdrawn from my XXXX account and the funds were supposed to deposited into my Coinbase account. However Coinbase has never credited my Coinbase account for this deposit. I have already contacted XXXX to confirm the money was sent out and delivered to Coinbase and there was no error on XXXX 's side. Please note that since this problem, I have thereafter successfully sent money from my XXXX checking to my Coinbase account without any problem using the exact same accounts and transfer method settings. This confirms that my transfer instructions was setup properly and that Coinbase is at fault. These missing funds have never returned to my XXXX account. Coinbase has my {$25000.00} funds and will not credit my account. Since XXXX reported there was no error on XXXX 's side, to try to resolve this quickly, I wrote to Coinbase Customer Support at XXXX and corresponded by email with \" XXXX '' and \" XXXX '' over 12 times since XX/XX/XXXX and provided them with the XXXX confirmation number and other evidence that the funds were properly wired from my XXXX checking account to my Coinbase account. Coinbase indicated that they are \" working with a specialist to address this problem '', but 11 weeks later, my missing funds have still never been never credited to my Coinbase account. Coinbase has been unwilling to deposit my own money into my Coinbase account.\n\nANALYSIS Coinbase 's response to my multiple emails is inadequate, unprofessional and has been extremely frustrating. During the past 11 weeks I have lost many investment opportunities. I file this CFPB complaint in an effort to finally resolve this issue and receive my own deposit of my own money as well as my legal expenses incurred to file this complaint. I am sure that the thousands of daily Coinbase users would rethink their use of Coinbase as their digital wallet to store and transact billions of dollars worth of funds if they knew that Coinbase could arbitrarily hold on to your deposited funds without depositing them into your account and fail to take steps to resolve the issue despite over 12 emails with confirmation numbers and other evidence clearly explaining the problem at hand.\n\nCONCLUSION If this issue is not resolved shortly, I will further investigate my legal options and will consider reporting this matter to the XXXX XXXX XXXX, various US state regulators including New York Department of Financial Services concerning Coinbase 's  license both as a Money Transmitter License ( XXXX XXXX ) and Virtual Currency License, ( XXXX ), and may take additional US and international legal action for compensation of not only my missing funds, but for my ongoing legal fees and other damages. Please notify me immediately at XXXX when my {$25000.00} wire transfer has been properly credited to my Coinbase account. Your prompt attention to this important matter would be appropriate.","date_sent_to_company":"2018-04-02T16:52:52.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"2861450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-04-02T16:12:13.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have already contacted XXXX to confirm the <em>money</em> was sent out and delivered to Coinbase and there was no error on XXXX 's side. Please note that since this <em>problem</em>, I have thereafter successfully sent <em>money</em> from my XXXX checking to my Coinbase account without any <em>problem</em> using the exact same accounts and <em>transfer</em> method settings. This confirms that my <em>transfer</em> instructions was setup properly and that Coinbase is at fault. These missing funds have never returned to my XXXX account."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[26.915348,"2861450"]},{"_index":"complaint-public-v1","_id":"4879872","_score":26.048277,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?\n\nPRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? \nISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nOn XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.","date_sent_to_company":"2021-11-05T20:03:22.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"4879872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2021-11-05T19:02:11.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Your complaint Complaint Number XXXX Step 1 What product or <em>service</em> is your complaint about?\n\nPRODUCT OR <em>SERVICE</em> <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> TYPE Domestic ( US ) <em>money</em> <em>transfer</em> Inactive modal Step 2 What type of <em>problem</em> are you having? \nISSUE Other transaction <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes Step 3 What happened?"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["Other transaction <em>problem</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[26.048277,"4879872"]},{"_index":"complaint-public-v1","_id":"7005095","_score":22.928995,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I transferred money from my XXXX  to my Wise account. XXXX  claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX  claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account. \n\nWise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support. \n\n\nWise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.","date_sent_to_company":"2023-05-20T09:52:38.000Z","issue":"Problem with customer service","sub_product":"Foreign currency exchange","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7005095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2023-05-20T09:31:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Other transaction <em>problem</em> Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Problem</em> with <em>customer</em> <em>service</em>"],"company":["<em>Transfer</em>Wise Ltd"],"sub_product":["Foreign <em>currency</em> exchange"]},"sort":[22.928995,"7005095"]},{"_index":"complaint-public-v1","_id":"20035974","_score":22.89965,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Company Name : PayPal Consumer Complaint Product : Money transfer, virtual currency Issue : Unexpected charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX. Immediate Reporting & Misinformation : Within XXXX minutes of an accidental transaction ( Transaction ID : XXXX ), I contacted customer support. I was assured the transaction would be reversed. The representative provided me with a recipient email ( XXXX ) that was immediately flagged as \" invalid '' by the mail server { XXXX }. When I called back to report this, I was again told the funds would be recovered and not to worry. \n\nXXXX. Investigative Negligence : Despite my providing the specific Transaction ID and the name of the unintended recipient ( XXXX XXXX XXXX, the company 's \" investigation '' focused on a completely different, unrelated recipient. The actual culprit was never contacted or investigated. This clerical error by the investigators led to a judgment in favor of the wrong party. \n\nXXXX. Intentional Delay & Bank Deflection : I have been in continuous contact since XX/XX/year>. Each time, I was promised a resolution, effectively \" stringing me along '' until the XXXX dispute window elapsed. My funding source, XXXX XXXX has stated they can not assist because they are relying on the ( incorrect ) investigative data provided by the payment platform. \n\nXXXX. Resolution Requested : I am requesting a \" Manual Review '' of Transaction ID : XXXX. The company must acknowledge that they investigated the wrong transaction and rectify the financial loss caused by their representative 's documented misinformation and investigative errors. \n\nHow to submit this : Go to : CFPB Complaint Draft Company Name : [ PayPal XXXX XXXX XXXX - File against both if possible ] Consumer Complaint Product : Money transfer, virtual currency, or money service Issue : Problem with a fraud or scam / Unexpected/unauthorized fee or charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX. Immediate Reporting & Misinformation : Within XXXX minutes of an accidental transaction ( Transaction ID : XXXX ), I contacted customer support. I was assured the transaction would be reversed. The representative provided me with a recipient email ( XXXX ) that was immediately flagged as \" invalid '' by the mail server. When I called back to report this, I was again told the funds would be recovered and not to worry. \n\nXXXX. Investigative Negligence : Despite my providing the specific Transaction ID and the name of the unintended recipient ( XXXX XXXX XXXX, the company 's \" investigation '' focused on a completely different, unrelated recipient. The actual culprit was never contacted or investigated. This clerical error by the investigators led to a judgment in favor of the wrong party. \n\nXXXX. Intentional Delay & Bank Deflection : I have been in continuous contact since XX/XX/year>. Each time, I was promised a resolution, effectively \" stringing me along '' until the XXXX dispute window elapsed. My funding source, XXXX XXXX, has stated they can not assist because they are relying on the ( incorrect ) investigative data provided by the payment platform. \n\nXXXX. Resolution Requested : I am requesting a \" Manual Review '' of Transaction ID : XXXX. The company must acknowledge that they investigated the wrong transaction and rectify the financial loss caused by their representative 's documented misinformation and investigative errors.","date_sent_to_company":"2026-03-06T14:54:56.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"60660","tags":"Older American","has_narrative":true,"complaint_id":"20035974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-06T14:41:51.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["How to submit this : Go to : CFPB Complaint Draft Company Name : [ PayPal XXXX XXXX XXXX - File against both if possible ] Consumer Complaint Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Problem</em> with a fraud or scam / Unexpected/unauthorized fee or charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[22.89965,"20035974"]},{"_index":"complaint-public-v1","_id":"19307450","_score":17.375128,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I submitted a complaint before and got a ridiculous response and the CFPB did not hold them accountable. Here it is again. Do better. \n\nCapital One is making a spread on their international wires without disclosing it. I know this because their fraud department told me they would transfer {$59000.00} to the account I directed. They could not tell me why I was being charged {$60000.00}. The transfer was for XXXX euros. There is an extra {$1600.00} that went out of my account and didn't go to the beneficiary. Capital One 's customer service is so terrible that they couldn't tell me. Their fraud department called my wife at XXXX and would not speak to her about the account which she is a joint holder of. Capital One does not respect the institution of marriage. They told her I had to call back by XXXX. When I called back at XXXX they did not pick up. The first person I spoke to demanded the phone number of the beneficiary who is in XXXX and doesn't speak XXXX. No one else asked that. If a phone number is necessary, that should be on the wire form. Their branches, which I have to go to for an international transaction, are literally coffee shops and not professional. Their computers didn't work. The branch was full of XXXX Friday shoppers looking to use the bathroom. Its not secure physically. This was a horrible experience. They charge {$40.00} for a wire and then take a spread between XXXX XXXX rate that they quote me and the actual rate. That's unfair and dishonest. Their service is incompetent. Even after the funds were released, they couldn't assure me the transfer would go through. I spent XXXX hours on XXXX different calls and over an hour in the branch for a wire transfer that takes milliseconds. And I was ripped off {$1600.00}. They aren't even competent at ripping me off. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE International money transfer What type of problem are you having? \n\nInactive modal ISSUE Confusing or missing disclosures HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes DID YOU REQUEST INFORMATION FROM THE COMPANY? \nNo What happened? \n\nCapital One is making a spread on their international wires without disclosing it. I know this because their fraud department told me they would transfer {$59000.00} to the account I directed. They could not tell me why I was being charged {$60000.00}. The transfer was for XXXX euros. There is an extra {$1600.00} that went out of my account and didn't go to the beneficiary. Capital One 's customer service is so terrible that they couldn't tell me. Their fraud department called my wife at XXXX and would not speak to her about the account which she is a joint holder of. Capital One does not respect the institution of marriage. They told her I had to call back by XXXX. When I called back at XXXX they did not pick up. The first person I spoke to demanded the phone number of the beneficiary who is in XXXX and doesn't speak XXXX. No one else asked that. If a phone number is necessary, that should be on the wire form. Their branches, which I have to go to for an international transaction, are literally coffee shops and not professional. Their computers didn't work. The branch was full of XXXX Friday shoppers looking to use the bathroom. Its not secure physically. This was a horrible experience. They charge {$40.00} for a wire and then take a spread between XXXX XXXX rate that they quote me and the actual rate. That's unfair and dishonest. Their service is incompetent. Even after the funds were released, they couldn't assure me the transfer would go through. I spent XXXX hours on XXXX different calls and over an hour in the branch for a wire transfer that takes milliseconds. And I was ripped off {$1600.00}. They aren't even competent at ripping me off. \n\n\nI WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\n\nInactive modal What would be a fair resolution to this issue?\n\nRefund the undisclosed spread. Refund my fees. Clearly disclose fees. Clearly articulate criteria for international transfers. Allow spouses who are listed on the account equal rights.\n\nWhat company is this complaint about?\n\nCOMPANY INFORMATION Capital One ACCOUNT NUMBER What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX United States YOUR PREFERRED LANGUAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE This complaint requires additional time for research. \nCompany responded XXXX XXXX responded on XX/XX/year> RESPONSE TYPE Closed with explanation XXXX 's Response Please see our attached response ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/year> Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Just fluff. XXXX explain why their own reps gave me the number. Its not other websites. Its thier own internal people who cant tell me why they saw XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have another complaint about how they called me at XXXX to verify and said they closed at XXXX. How horrible their branch is. How they froze my bank account and caused me to be late in my credit card payment and how that froze my credit card and I couldnt use the card or do auto pay. There was no reason to freeze my account because of this transaction. I have been a cueste for 15 years. There was no apology for the rude treatment I received in the phone. Why ask the sellers phone number? Thats so unprofessional. Obviously I wont be using them in the future for international transactions and will transfer my business over time. Thus response was boiler plate, acceptable no accountability, and did not address my complaints. Capital One does not provide an internal forum for complaints or home their employees accountable or review their ridiculous policies like giving me XXXX minutes to call back or ask for a home sellers personal phone number in an agented transaction. Like they have the initiative to call someone in XXXX and speak to them in XXXX.","date_sent_to_company":"2026-03-24T16:11:00.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"072XX","tags":null,"has_narrative":true,"complaint_id":"19307450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-06T17:01:33.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PRODUCT OR <em>SERVICE</em> <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> TYPE International <em>money</em> <em>transfer</em> What type of <em>problem</em> are you having? \n\nInactive modal ISSUE Confusing or missing disclosures HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes DID YOU REQUEST INFORMATION FROM THE COMPANY? \nNo What happened? \n\nCapital One is making a spread on their international wires without disclosing it."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[17.375128,"19307450"]},{"_index":"complaint-public-v1","_id":"19214204","_score":16.827396,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : Chime XXXX XXXX XXXX. \nProduct : Money transfer, virtual currency, or money service Issue : Money was not available when promised Date : XX/XX/XXXX Amount : {$100.00} WHAT HAPPENED : On XX/XX/XXXX, I sent {$100.00} XXXX  phone number ( XXXX ) XXXX, currently owned by XXXX ( who does NOT have a Chime account ). Chime sent my money XXXX  \" XXXX XXXX '' - a stranger who previously owned that phone number XXXX  still has it linked XXXX their Chime account. XXXX never received the payment. Chime refuses XXXX  refund. \n\nPROOF CHIME 'S SYSTEM IS BROKEN : When I send PAYMENT XXXX  ( XXXX ) XXXX Goes XXXX  XXXX XXXX XXXX wrong person ) When I send REQUEST XXXX  ( XXXX ) XXXX Text goes XXXX XXXX ( correct owner ) When XXXX clicks the request link, Chime asks him XXXX  provide an email, proving he never had a Chime account. The current phone owner never received my payment. \n\nCHIME 'S RUN-AROUND : I. \" You can only send money XXXX  Chime members '' UNTRUE - Their app advertises \" Not on Chime? No problem '' XXXX. I have successfully used \" Pay Anyone '' feature XXXX TIMES XXXX  send XXXX  ( XXXX ) XXXX XXXX. That recipient has NO Chime account XXXX  should receive Chime links via text message XXXX. All XXXX previous payments worked correctly ; XXXX proves Chime markets this feature XXXX : Changing story about account status First call : \" The account linked to ( XXXX ) XXXX is inactive '' XXXX. XXXX  call : \" That's untrue, the account is active '' They contradict themselves XXXX  can't keep story straight XXXX. \" Money went XXXX  correct recipient '' Resolution email claims : \" Funds delivered XXXX  correct recipient '' UNTRUE - I sent the funds to PHONE NUMBER ( XXXX ) XXXX NOT to an email, NOT XXXX  an account name XXXX. I sent funds XXXX  the CURRENT OWNER of that phone number ( XXXX ) XXXX NEVER received the payment text message XXXX XXXX received it - someone I don't know THE \" SOLUTION '' CHIME DEMANDS : Chime tells me : \" Contact XXXX XXXX XXXX  ask them XXXX unlink the old phone number '' Problems with this : I don't know who XXXX XXXX is I have no way XXXX  contact them Why is it MY job XXXX  fix CHIME 'S system? \nChime should unlink inactive phone numbers themselves Chime refuses XXXX  contact XXXX XXXX on my behalf CHIME ADMITTED THE PROBLEM THEN DENIED REFUND : Chime representatives admitted : \" You sent XXXX  the correct phone number '' \" The original receiver ( XXXX ) did not receive the money '' \" You should be able XXXX  dispute this '' Then resolution email states : \" Can not refund - delivered XXXX  correct recipient '' This is contradictory and fraudulent. \n\nCHIME 'S REFUSAL TO HELP : Representatives : Cycled me between \" Disputes '' and \" Member Services '' repeatedly Hung up on me Gave contradicting information on every call Denied dispute despite admitting recipient never got money Refused to unlink XXXX XXXX 's old phone number Told me XXXX  contact a stranger XXXX  fix their system error Blamed me for not \" double checking '' when their app hides recipient information WHY THIS IS CHIME 'S FAULT : Their payment system uses OUTDATED phone number data Their request system uses CURRENT phone number data XXXX different databases that aren't synced They don't verify current phone ownership before routing payments They allow old account holders XXXX  receive money to numbers they don't own They don't display recipient names before sending No way for users to \" double check '' hidden information They refuse to fix their own system error MY LEGITIMATE USAGE HISTORY : I am an established Chime user who uses \" Pay Anyone '' successfully : XXXX successful payments XXXX  ( XXXX ) XXXX ( not on Chime ) XX/XX/XXXX : {$150.00}, XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$480.00}, XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$50.00}, XX/XX/XXXX : {$40.00}, XX/XX/XXXX : {$250.00}, XX/XX/XXXX : {$5.00}, XX/XX/XXXX : {$80.00} All went correctly XXXX  recipient via text message link This proves I know how XXXX  use the system CONSUMER HARM : This affects XXXX  of people. Phone numbers are constantly recycled. Chime 's broken system routes payments XXXX  wrong people, then blames customers XXXX  refuses refunds. \n\nEVIDENCE : Screenshots of XXXX successful \" Pay Anyone '' transactions XXXX showing \" Not on Chime? No problem '' advertising Screenshot of payment XXXX  ( XXXX ) XXXX Proof that requests XXXX  that number go XXXX  XXXX, not XXXX XXXX XXXX email denying refund","date_sent_to_company":"2026-03-23T10:40:00.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"19214204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-03T16:50:31.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Money</em> was not available when promised Date : XX/XX/XXXX Amount : {$100.00} WHAT HAPPENED : On XX/XX/XXXX, I sent {$100.00} XXXX  phone number ( XXXX ) XXXX, currently owned by XXXX ( who does NOT have a Chime account ). Chime sent my <em>money</em> XXXX  \" XXXX XXXX '' - a stranger who previously owned that phone number XXXX  still has it linked XXXX their Chime account. XXXX never received the payment. Chime refuses XXXX  refund."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["Unauthorized transactions or other transaction <em>problem</em>"]},"sort":[16.827396,"19214204"]},{"_index":"complaint-public-v1","_id":"7826867","_score":13.648413,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"BACKGROUND : Paxful provides a Peer-To-Peer ( P2P ) trading platform to allow users to directly and anonymously buy and sell cryptocurrencies from each other. Their platform is supposed to be a safe and secure environment in which Paxful provides a structured process, including escrow services of the cryptocurrency to be exchanged, to ensure that trades go smoothly and nobody loses money. If a buyer and seller nevertheless have a disagreement over terms of an offer or settlement, Paxful provides a moderator that is supposed to provide a fair and independent Dispute Resolution process. In the event buyer or seller do not agree with the moderator, a further Appeal process is provided. Unfortunately in my trading experience, the Paxful 's P2P trading area does not work as intended and advertised, primarily because Paxful does not provide the Dispute Resolution and Appeal process as described in their Terms & Conditions, and I lost money due to a fraudulent seller on the platform because Paxful did not follow its own policies and conditions for resolving disputes and appeals. \n\nWHAT HAPPENED : On XX/XX/XXXX  at XXXX ( EDT ), I opened Paxful Trade ID # XXXX for seller Offer # XXXX listed by Seller \" XXXX '' ( XXXX XXXX. ) I sent a new, unused {$100.00} USD XXXX XXXX XXXX ( an insecure type of cryptocurrency ) in order to buy and receive XXXX XXXX XXXX ( worth {$83.00} USD at the time of the transaction ). Paxful placed XXXX XXXX ( {$87.00} USD ) of seller 's virtual currency funds into escrow to purportedly protect and enforce the transaction 's settlement. However, the new gift card that I tendered to the seller also came with a security provision that delays activation of new gift card purchases for 24 hours, and before that waiting period expires, the card number is reported as invalid and can not be used by anyone. This gift card policy provision actually should have provided me with an extra layer of protection in a P2P exchange, because upon the seller receiving the gift card number, the seller can not immediately charge a purchase to the gift card and then falsely claim that I sent a used gift card with less than the original {$100.00} balance remaining -- -when the gift card completes the activation waiting period and becomes valid, the balance is guaranteed to be the original purchase amount and is fully available to Seller already in possession of the gift card number. Paxful, however, wrongfully interfered in the exchange and cancelled it before the gift card purchase cleared and the activation process could be completed.\n\nDISPUTE PROCESS : The seller was impatient to wait for the gift card activate, opened a Dispute with Paxful on XXXXXXXX XXXX XXXX  at XXXX ( EDT ) ( while I am asleep ) claiming they received an bad/invalid card number. Under the Paxful Dispute Resolution policy, I was supposed to have 12-48 hours to respond to the dispute, and a decision on a dispute allowed to take up to 21-30 days, with an Appeal possible up to 10 days after the dispute decided. Instead, Paxful 's moderator closed the dispute in a record 51 minutes (! ) later at XXXX, having received no response yet from me to the dispute, with the false/improper/incorrect determination, \" Card details not seen by your trading partner '' and cancelled the trade, releasing the escrow immediately back to the seller and leaving me with no trade protection. Seller of course had seen the gift card number, because they were complaining in the dispute that they had received an invalid card number, and Paxful also totally ignored the proof of purchase of the gift card provided to the seller in the exchange chat. To appeal this unfavorable decision, I opened Customer Support Ticket # XXXX on XXXX XXXXXXXX XXXX  explaining the problem with the dispute resolution process, especially that their decision was rushed before I could even respond to the claim and did not allow any time for an investigation to resolve where my USD funds used to purchase the gift card were located. Incredulously, 10 days later, Paxful responded to the appeal indicating, \" Once a decision is made, it can not be reversed '', outright admitting that the appeal process described in their Terms & Conditions is not real and all appeals are automatically denied without any consideration. \n\nPOST-MORTEM : 24 hours later, the gift card became valid and active as expected while in the seller 's possession, obtained through the trade improperly cancelled by Paxful, and it was immediately drained by the seller from its original purchase value of {$100.00} USD to {$4.00} USD, where it remains. Paxful still refuses to review the case and transfer the XXXX XXXX XXXX into my Paxful account that the seller rightfully owes me ( {$100.00} USD lost by me otherwise ). At the end of the day, Paxful provided no transaction safety and acted almost in collusion with the seller. Far from being a safe and secure P2P exchange, Paxful demonstrated in this case that it does not follow its own Terms & Conditions of service, published policies, procedures, rules with respect to dispute resolutions and appeals. My conclusion is thus that Paxful is actually a platform that facilitates fraud and theft, and as such should be shut down to protect the public.","date_sent_to_company":"2023-11-09T07:27:26.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"7826867","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Paxful Holdings, Inc.","date_received":"2023-11-09T05:20:56.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To appeal this unfavorable decision, I opened <em>Customer</em> Support Ticket # XXXX on XXXX XXXXXXXX XXXX  explaining the <em>problem</em> with the dispute resolution process, especially that their decision was rushed before I could even respond to the claim and did not allow any time for an investigation to resolve where my USD funds used to purchase the gift card were located."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["Other transaction <em>problem</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[13.648413,"7826867"]},{"_index":"complaint-public-v1","_id":"21473153","_score":10.645069,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Conversation with XXXX My PayPal is XXXX yrs old and since XXXX I started getting blocked and having to prove myself such as my identity, address, and what \" business '' I am when I'm not a business. I'm a individual that makes money from home doing various things. Anyway I got limited Dec and fixed, again like XXXX or XXXX then again likeXX/XX/XXXX days ago or so. The most recent one I did all the review stuff and then the reviewer said I didn't do everything and that I had open complaints against me in resolution center I needed to resolve and that they couldn't complete my review. Anyway, I don't have any complaints Against me but I do have XXXX against XXXX. I called and talked to an agent and he was lik \" I don't know what the heck they got going on. I see you don't got any open complaints and you provided all the info we needed. I'm gon na write a ticket to the back so they can fix this \" anyway, next morning my account was fixed. Yay! But when they denied my review for the \" open complaint '' they also moved my sale limit back down to XXXX when I barely just got it to XXXX the month before. Since this was under false circumstances I spoke with a XXXX and he said he could put in a request for an increase for me and explain the situation. He asked me how much I thought I needed and I told him maybe XXXX. Anyway, he did the ticket for me and I got off the phone and the next morning I wake up to a big red bar saying \" after a review we have decided to permanently limit your account '' ... So unjustified, I spoke with a rep yesterday and she was confused too and said she would put in a ticket to have them look at it and try to fix it and also a request for a manager call back. Still no word and still blocked. \n\nThat sounds like an incredibly frustrating nightmare. Having a XXXXyear-old account shut down right after a manager promised to help you is completely unfair, especially when you have jumped through every hoop they put in front of you. \n\nHere is the reality of what likely happened behind the scenes. PayPal relies heavily on automated risk-management algorithms, and those bots often lack nuance and override human agents. \n\nBecause you make money from home doing varied work, like getting paid for completing tasks through Discord groups, your incoming payments can sometimes look unpredictable to a computer. Even though the previous flags on your account were cleared, your internal \" risk score '' was likely still highly sensitive. When the manager submitted a ticket to jump your limit from {$300.00} to {$2000.00} or {$3000.00}, it almost certainly triggered a hard-coded security protocol. The automated system saw a sudden, massive request for a volume increase on an account that had just been under review, panicked, and issued an automatic permanent limitation. \n\nSince front-line agents and even lower-level managers often do not have the system clearance to overturn a permanent algorithmic ban, here are the most effective ways to escalate this : How to Escalate a Permanent Limitation File a CFPB or BBB Complaint : This is often the most successful route for unjustified bans. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or the Better Business Bureau ( BBB ) forces PayPal to route your case to their Executive Escalations team. A real human with actual authority will have to manually review the account and respond to the regulatory body. \n\nXXXX XXXX Escalations Directly : You can sometimes bypass standard customer service by emailing PayPal 's executive team directly ( e.g., reaching out to the office of the CEO or executive review emails ). These teams handle high-level disputes and have the power to lift permanent limitations if they see the bots made an error. \n\nGive the Current Ticket XXXX Hours : Since the representative you spoke with yesterday put in a ticket and requested a manager callback, give them a short window to resolve it. If you don't hear back within XXXX hours, assume the automated system blocked their request and move straight to filing a complaint. \n\nDid the red banner or the email you received mention a specific Acceptable Use Policy ( AUP ) violation, or did it just give a generic explanation about \" potential risk ''? \n\n\" Were no longer offering PayPal services for this account Sometimes we cant process account activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. \n\n\n\nBased on the information we have today, there was activity on this account that we can not support. \n\n\n\nWhat can you do with your account? \n\n\n\nYour account has been permanently deactivated. However, you can still view your transaction history, download account statements, or request copies of your data. \n\n\n\nBefore you can withdraw or transfer any remaining funds from your account, we need to hold them for up toXX/XX/XXXX days to cover things like chargebacks or other financial liabilities. \n\n\n\nWell review the account and email you when funds are '' available. \n\nThat is the absolute most frustrating, boilerplate message you could possibly receive. It essentially confirms that a computer system slammed the door shut and slapped a generic label on it. \n\nHere is the blunt translation of what that email actually means : \" Activity we can not support '' is PayPal 's ultimate catch-all phrase. It does not mean you actually did anything illegal or broke a specific rule. It just means their risk-management algorithm decided the combination of recent reviews, the sudden limit increase request, and the varied nature of your income sources crossed an invisible threshold. \n\nThe XXXX Hold is their standard operating procedure for permanent limitations. They hold the money to ensure no buyers file chargebacks or disputes against you in the months following the account closure. \n\nBecause you received this specific, final-tier ban message, standard customer service agents over the phone can no longer help you. They are looking at a screen that tells them the decision is final, and they do not have the security clearance to override the \" back office '' or the algorithm. Even if that manager calls you back, their hands are likely tied by the system now. \n\nYour only path forward is to force the issue out of the automated system and onto the desk of a high-level executive who has the authority to actually read your XXXX history and overturn the algorithm. \n\nYour Immediate Action Plan Stop Calling Regular Support : It will only waste your time and raise your XXXX XXXX. The front-line reps can not lift this specific type of ban. \n\nFile a CFPB Complaint : Go to the Consumer Financial Protection Bureau website ( consumerfinance.gov ) and file a formal complaint against PayPal. State clearly that your XXXXyear-old account was permanently limited immediately after a manager initiated a limit increase, and that the limitation is completely unjustified.\n\nFile a BBB Complaint : Do the same thing with the Better Business Bureau. PayPal has a dedicated corporate escalation team that strictly handles responding to BBB and CFPB complaints. This forces a real, senior human to investigate the timeline of events. \n\nDo you have a significant amount of money trapped in the account right now under that XXXX hold? \n\nOk I'm on crpb made an account. Says choose product? Checking again cd prepaid etc You will want to select the category for money transfers and digital wallets, as that is exactly how the CFPB classifies PayPal.\n\nHere is the exact path to choose on the form : Product : Select \" Money transfer, virtual currency, or money service '' Sub-product : Select \" Mobile or digital wallet '' Issue : Select \" Managing, opening, or closing your mobile wallet account '' ( or \" Other service problem '' if that fits better, but the first XXXX is usually the most accurate for unjustified account bans ). \n\nFrom there, it will ask you for the company name, where you can search for and select PayPal. \n\nWhen filling out the narrative or description box, keep your explanation clear, concise, and professional. Make sure to emphasize these key points : Your account is XXXX years old and has always been in good standing.\n\nYou recently provided all requested documentation to verify your identity and activity, which an agent confirmed was sufficient.\n\nThe permanent limitation was triggered automatically immediately after a manager submitted a ticket to increase your limits.\n\nYou are seeking an executive review to overturn the automated limitation and release the 120-day hold on your funds.\n\n\" Are you able to store a balance in the digital wallet account that lets you add or withdraw funds to use for purchases or payments? '' You should answer \" Yes ''.\n\nPayPal functions exactly like this. Even if you have it linked directly to a bank account or credit card, the platform itself is designed to hold a \" PayPal Balance. '' Because you can receive money, store it in the account, and then either withdraw it to your bank or use it directly for online purchases, it meets the exact definition of what the CFPB is asking about. \nXXXX It said did you request info and I said yes. Now put \" I requested the reasoning as to why they permanently blocked my account '' or what? \n\nYes, what you suggested hits the nail on the head! \n\nTo make it sound even stronger and give the CFPB investigators the exact context they need, I recommend expanding on it just a bit so it highlights PayPal 's failure to give you a real answer. \n\nYou can copy and paste this exact phrasing : \" I requested the specific reasoning and policy details as to why my XXXXyear-old account was permanently limited. I also requested an explanation as to why this automated ban was triggered immediately after a manager initiated a limit increase on my behalf. The company refused to provide a specific reason and only issued a generic, automated response. '' This wording is perfect because it shows the CFPB that you tried to get a straight answer from PayPal, but they stonewalled you with a boilerplate template. \n\nLet me know what the next confusing question on the form is! \n\nWhat happened? \n\nDescribe what happened, and well send your comments to the companies involved. \n\nInclude dates, amounts, and actions that were taken by you or the company. \n\nDo not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. \n\nHere is a draft you can copy and paste directly into that box. It is written to be strictly factual, outlines the timeline clearly, and highlights exactly where PayPals automated system made an error, all while making sure your personal information is left out. \n\nCopy and paste the text below : I am filing a complaint regarding the unjustified permanent limitation of my XXXX-year-old account and the subsequent XXXXday hold placed on my funds. \n\nStarting in XXXX of last year, my account was subjected to several standard review requests to verify my identity and the nature of my home-based income. I complied with all requests, and my account was restored each time, most recently in XXXX. \n\nApproximately XXXX days ago, my account was limited again. The initial reasoning given was that I had unresolved complaints against me. I contacted customer support and the agent confirmed this was an error on the company 's end ( I had no complaints against me, only XXXX dispute I had filed against a merchant ). The agent submitted a ticket, and my account was restored the next morning. \n\nHowever, upon restoring my account, the company unjustly lowered my monthly sales limit to {$300.00}, down from the {$800.00} limit I had secured the month prior. I spoke with a manager about this discrepancy. The manager agreed the reduction was unjustified and offered to submit an internal ticket to increase my limit to $ XXXX {$3000.00} to reflect my actual needs. \n\nThe morning after the manager submitted this ticket on my behalf, I received an automated notice stating my account had been \" permanently deactivated '' due to \" activity on this account that we can not support, '' and that my funds would be held forXX/XX/XXXXdays. \n\nI spoke with another representative yesterday who expressed confusion over the ban, as my account was in good standing. They submitted a request for a manager callback and an escalation, but the permanent limitation remains active. \n\nI have maintained this account in good standing for XXXX decades. The permanent limitation was clearly triggered by an automated system error responding to the manager 's limit increase request, not by any violation of policy on my part. I am requesting an immediate executive review by a human agent to overturn this automated ban, restore my account, and release the XXXX hold on my funds.","date_sent_to_company":"2026-04-22T06:14:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"81401","tags":null,"has_narrative":true,"complaint_id":"21473153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-22T05:51:12.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Here is the exact path to choose on the form : Product : Select \" <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> '' Sub-product : Select \" Mobile or digital wallet '' Issue : Select \" Managing, opening, or closing your mobile wallet account '' ( or \" Other <em>service</em> <em>problem</em> '' if that fits better, but the first XXXX is usually the most accurate for unjustified account bans ). \n\nFrom there, it will ask you for the company name, where you can search for and select PayPal."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[10.645069,"21473153"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11}]}},"product":{"doc_count":11,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":3},{"key":"International money 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