Consumer complaint received 2019-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX complaint XXXX was sent from CFPB against PayPal. In a matter to violate my civil rights and retaliate PayPal sent an email to me on Fri, XX/XX/XXXX at XXXX XXXX  STATING BELOW : You can no longer use our services Because you have continually filed cases that do not align with the intent of the PayPal Purchase Protection Program and are contrary to the terms outlined in our User Agreement, weve determined you can no longer use PayPals services. Weve limited your account so you can no longer send or receive funds. Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied. 
For information on account limitations, please refer to the PayPal User Agreement. To find out what to do next, log in to your PayPal account and visit the Resolution Center. 

At Fri, XX/XX/XXXX at XXXX XXXX- PayPal sent a duplicate message as stated above and Fri, XX/XX/XXXX at XXXX XXXX -- PayPal sent me another message regarding the complaint I filed with CFPB on Dispute Case ID : XXXX for {$38.00} stating : We have received a response from the merchant and we've also reviewed all the details of your case. Based on the merchants response and the information we have to date, we have to deny your case. This decision was made because our records show that the item or service associated with this transaction was delivered to you. 

Transaction Information : Dispute Case ID : XXXX Transaction Amount : {$38.00} USD Dispute Amount : {$38.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/XXXX PAYPAL will has abused their powers! I have called the resolution ( limitation ) department only to be told. " Your disputes are costing us money with the merchants and we have cant make money like this with the dispute and charge backs from customers. At PAYPAL, customers don't pay a fee but the merchants do as stated in the review. Per XXXX XXXX from XXXX XXXX at XXXX  review after 177 complaints was filed on PayPal-writes, " PayPal Transaction Fees Regardless of which plan you are on ( Standard or Pro ), your transactions fees will be as follows : For all online sales, you pay 2.9 % + {$0.00} per transaction. 
For all swiped/dipped/tapped mobile and in-store transactions, you pay 2.7 %. 
For all keyed-in mobile and in-store transactions, you pay 3.5 % + {$0.00}. 
For virtual terminal transactions, you pay 3.1 % + {$0.00} per transaction. 
For mass payouts, youll pay 2 % using the online form, or {$0.00} per payout using the API. 
Its also worth noting a few other charges apply to transactions as well : For any chargebacks, PayPal assesses a {$20.00} fee. 
Any transactions that originate from outside the US incur a 1.5 % cross-border fee. 
When you issue a refund, PayPal charges a small refund fee, equal to the per-transaction fee amount. For online transactions, that means PayPal charges {$0.00} for refunds ; for keyed transactions, it would be {$0.00}. 
If you initiate an instant transfer, PayPal will charge you 1 % of the transfer amount. 
Alternative Payment Processing Rates While PayPals payment processing costs are very predictable, theyre not suitable for every type of business. You cant negotiate with PayPal for a different rate unless you are essentially a very large corporation, but you can take advantage of a couple of alternative rate offerings : PayPals microtransactions plan and nonprofit discounts. 
Micropayments Rate : 5 % + {$0.00} PayPals micropayments plan is open to all merchants, but it only benefits you if the vast majority of your transactions are under {$10.00}. PayPal wont automatically switch between the two rates based on transaction size, so if you opt for the micropayments plan, you really need to make sure its the best option based on your individual processing history. Generally speaking, if you sell digital goods online ( single songs or digital albums, or other low-value items ), this is the plan you should look for. 
In addition, qualified 501 ( c ) ( 3 ) organizations who go through the verification process are eligible for a discount for online transactions : Nonprofit Discount Rate : 2.2 % +  {$0.00} Sadly, PayPal doesnt offer a discounted rate for in-person transactions processed through its mPOS or a partner POS system, so the discounted rate would apply only to online sales or donations. However, keep in mind that some software providers also offer nonprofit discounts, so if youve integrated PayPal with accounting software, a POS app, or another third party, you should also check whether that company offers a discount. 
PayPal Monthly Fees Remember, there are two options for accepting PayPal on your site that charge nothing beyond transaction fees : PayPal Checkout and PayPal Payments Standard. Both allow you to accept payments on your website but will redirect to the PayPal site to complete the transaction. If you prefer to keep customers on your own page, or if youd like a virtual terminal to take payments over the phone, youll need PayPal Payments Pro : Paypal Payments Pro : {$30.00} per month The biggest advantage, as I said, is that the Pro account lets you keep customers on your page to finish the checkout process. You can completely design your own checkout page. In addition, Pro subscribers get access to the Virtual Terminal to accept payments by phone, mail, and fax. 
Unfortunately, PayPal Payments Pro doesnt include an option for Recurring Billing. Subscription services are hugely popular and if you want to offer them with PayPal, that will run you an extra {$10.00} per month on top of the Pro plan. If you dig a little deeper, youll also see that PayPal offers free recurring billing for users who have implemented PayPal Express Checkout, but not PayPal Standard. 
Finally, its worth noting that PayPal offers its own gateway, the PayFlow gateway, to process payments. It has a high degree of compatibility, so it works with most payment processors. So if you want to sell online but dont want to use PayPal as your primary payment processor, and your chosen processor doesnt offer a gateway, this could be an option. PayFlow supports two plans : PayFlow Link : This pay-as-you-go option costs {$0.00} per transaction, and PayPal charges nothing for setup or monthly fees. Using Link, you can embed a checkout form on your website that will redirect to the PayPal site to complete the transaction. Link also adds PayPal and PayPal Credit buttons. 
Payflow Pro : At $ XXXX/month for the Pro Plan, theres no questioning the value. You wont pay setup fees or per-transaction fees. PayPal doesnt even put a limit on the volume. With the Pro option, you get a completely customizable checkout page thats hosted on your own website, with the options to add PayPal and PayPal Credit options. 
As I said, PayPal really has something for everyone. I dont know that I can say it has everything everyone would need, but itll definitely tick most of the boxes for most people. While PayPal still is dominating the online space, it definitely has moved beyond to encompass multiple sales channels. Being able to manage in-person and online sales from a single platform is a major point of convenience. 
Several cites have complaints against paypal for the same issues related to money and Poor Customer Service. In the findings, Paypal does not care about the Customers because the customers don't paypal for the transactions or for the use of the services. Paypal don't care if the company SCAMS or Fraud the Customer because it quite easy to get rid of the trouble causing customer that don't contribute to the revenue of the company. In comparison with other customers that have filed complaint with CFPB, according to Customer Affairs a total of 2,316 complaints was filed against PayPal has abused their powers in a matter that was very unprofessional by not responding to demands of customer getting their money back to setting limitations on their account so, customer can never use their service again. SEE ATTACHMENTS. IT appears that Paypal allows merchants to take money from Customers then, when fraud it detected by your bank or self awareness PayPal will not protect you as Mission statement indicates. NO CUSTOMER PROTECTION. Customer Protection by the show of complaints will not be given if you have PayPal Credit service or disputing directly with PayPal because, this would be a great lose to Paypal. Paypal however, threaten me also with their ATTORNEY because I filed this Complaint with the CFPB to see them in COURT ... CFPB how many customers have to lose money because of Paypals greed!. Paypal is no different then XXXX XXXX XXXX and XXXX XXXX with stealing from Customer but, Paypal just sides with the merchant. Paypal credit will not refund any money because, it a lose of revenue for paypal no matter if the money was stolen or you was Scam because, you're dealing directly with Paypal. When the merchant responds, no documents are produced to the customer and Paypal states, " It came from your IP address which, anyone can steal in cyberspace. ''