Consumer complaint received 2018-10-02
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my paycheck got deposited into the wrong account which is a prepaid card called XXXX. I immediately called XXXX too see how can I get my money due too I had not received my card from them. So I was advised that I can wait on my card which I wouldnt get until around XXXX or XX/XX/XXXX. I asked what other options I have and they gave me option of transferring money too a friend as well as to a bank and those options could take 24-48 hours or 1-3 business days. I explained too all representative that I needed money to pay bills and what else can be done so on XX/XX/XXXX I found a coworker who had XXXX and states she would help out so we were advised too send personal information via email so that my paycheck in the amount of {$830.00} can be sent too her card. Well I called too see if they received the information and they did. Keep in mind Im chatting with someone also and they said I can use an app called XXXX which will allow me too transfer funds from XXXX too VXXXX to have put on my debit card. So Im like ok cause Im desperate. So while on the phone with representatives I download app called Venmo and start the process as I continue Im asking representatives how it works cause I dont know anyone who has the app so she proceeds too say download on a different device and I did. So I transfer the balance of {$830.00} from myself to myself and nothing happens. The money still shows on XXXX  so I transfer the money again and nothing happens at this point XXXX has closed and Im chatting with VXXXX trying to explain what I was told too do. So they was like I was advised incorrectly and that one of the accounts had too be deleted. So the agent deleted the account so now my money is just out there so i try and transfer the money from XXXX to several debit including a XXXX prepaid card and the system keep declining so Im chatting with XXXX  too see whats going on and what card can I use to transfer funds and they say they dont know and the system automatically decline the card but gives no reason so Im asking all types of questions like if I know some with app can I send too them and they was like yea if you trust that person so I had my sister too download app and she did. I confirmed what I had into the account with agent and proceeded with my sister so she downloaded the app and requested the funds and I accepted. So when she tried to transfer funds too her debit card it wouldnt go through so she chatted and asked general questions as too why it wouldnt go through and the agent basically told her he didnt know and that she would need too use bank transfer instead so we was like maybe the amount too large so she did it in small increments and that didnt work so she transferd it all back so Im like well due {$830.00} cause thats what my check was so that was no go so she sent it back and I did a bank transfer and requested only {$830.00} too go back to XXXX  and I was advised that it would be deposited on XX/XX/XXXX so as of XX/XX/XXXX I got this email saying Hi XXXX, Your XXXX account has been suspended due to recent activity that appears to be a violation of our User Agreement. 

If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. 

Acceptable forms of ID include a drivers license, state ID card, passport, and green card. The name on your photo ID should match the name registered to your XXXX account. We require this information to ensure you are the legal account holder. 
Thank you, Team XXXX So Im chatting someone asking whats going on and will I still get my money and they was like just respond too email. So I did and I sent my Id but still asking questions asking how long does this process take and I was advised 2-5 days. So at this point Im crying cause I was able too  pay credit card bills that was due XX/XX/XXXX. I went all weekend without money. I was able to pay my water bill nor was I able too pay rent on XX/XX/XXXX nor another bill. As of today I have a bill due and my {$830.00} didnt get transferred. Im lost for words for a company too do this. All I want is my {$830.00}. Im not trying to defraud anyone cause I have my own business. Please some help. Ive never experienced anything like this in my life. I dont have family that can help cause they struggling and got first of the mont bills.

Company response to consumer: Closed with explanation