Consumer complaint received 2022-11-16
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is going to be complicated. It pertains to the XXXX XXXX XXXX XXXX XXXX  account at PayPal. The registered e-mail is " XXXX. '' In XX/XX/2022, I opened an account with PayPal on behalf of this small-scale political campaign for which I am the treasurer. During the set-up of the account, I was asked for " account contact information '' -- specifically name and Social Security number along with other less-sensitive information such as address and phone number. As treasurer for the campaign, it made sense for me to be the contact person so I provided my information. PayPal never asked me for the tax identification number that would be appropriate for the owner of the account ( the campaign or the candidate ). Instead, it used my personal information meaning my SSN is now on this account and I am listed as the account owner. Both are wrong -- the SSN should be that of the candidate and the owner name should be him and/or the name of the campaign. In trying to get PayPal to correct their errors, they have been of little to no help. They were gung-ho to get us signed up as a customer but as soon as it became apparent that there were problems, they pretty much disappeared. Mainly I have gotten the runaround. The closest thing to a concrete solution has been to have the candidate send a copy of his Social Security card and a letter on our letterhead requesting the change. Well, the candidate should not have to send a copy of his Social Security card anywhere nor should we be requested to create a fraudulent document -- we don't have letterhead, we're just a tiny political campaign. These are absolutely PayPal 's errors and they should step up to make everything right. 

The SSN issue then ties in with what I fear is going to be a problem related to XXXX  reporting for the 2022 tax year. Starting in 2022, payment services such as PayPal are supposed to issue XXXX  's when more than {$600.00} in payments have been received FOR GOODS AND SERVICES ( that is how it is phrased on XXXX ). We have received more that {$600.00} in payments. However, ALL of the payments we have received have been DONATIONS. We have not received, nor will we receive, any funds for GOODS AND SERVICES. No one at PayPal can explain how their system is going to recognize that a XXXX  should not be created with respect to us. That tells me that the IRS is going to be made aware of funds that are not taxable and thus should not be reported to them and will expect to see said funds reported as income and, if it isn't reported, it's going to disrupt the processing of the tax return for whatever SSN is on the XXXX  ( keep in mind that right now it is mine because of PayPal 's error ). That is just wrong. 

PayPal has been awful through this process. I have been trying since early XXXX to resolve the SSN issue. They are next to impossible to get a hold of, no one wants to take ownership for anything, I have been transferred more times than I can count -- today alone it was FOUR times! Only recently have I tried to pursue the XXXX  issue. Similarly, no one knows how their system is going to work other than to say they think they are going to issue XXXX  's in all instances where the {$600.00} threshold has been met regardless of whether or not good and services were involved. That is just inexcusable. 

PayPal needs to step up and fix their errors and they need to do so promptly before they create information returns ( XXXX  's ) that are wrong and/or unnecessary. It's my understanding that correct XXXX  's are to be issued before the end of XXXX which is not that far off. They also need to work really hard on being more customer-service oriented.

Company response to consumer: Closed with explanation