Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I'm victim of scam And Venmo never protect My money This is not a account takeover issue. It's a Venmo debit card compromise issues I think that's the reason.for debit card compromise I meet someone on a dating website, XXXX, and then we would talk regularly on a XXXX account. He sold dating-related services and products, and when I wanted to buy a product from him, he sent me a payment link.When I tried to complete the payment with my Venmo debit card number and billing address, the payment failed. Then the person asked me if maybe there was no balance in my account so the payment failed.Since I talk to him every day, I tell him how many dollars I have, I didn't suspect him at the time.Later he deleted our conversation and probably blocked me. I couldn't find him anymore.I believe that person sold my card information to someone or misused it themselves. And I watched some entertaining videos on XXXX. An ads appears in the middle of the video. accident, I clicked on that ad, then they took me to a website.There were some interesting adult videos showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me Venmo Master Card info then got me to watch the full video.Since no dollars were deducted from my Venmo at the time, I didn't pay any attention to it.After I finished watching that adult video, I started watching XXXX videos again. The real problem is now few days later, many transactions were made from my Venmo bank to XXXX, amount {$150.00}, {$150.00}, {$100.00}, and $ XXXX .. I don't have XXXX account and also Household don't have a Moonpay account, so few days later I contacted the Venmo customer service and opened a dispute. few days after opening the dispute, the bank refused to return the dollars and they declined my complaint. I didn't know that a transaction could be appealed, so after my friend told me, I contacted customer support and filed a dispute report. Now I want to request CFPB And Venmo please review my case and please Please arrange for my dollars to be returned. I was scammed by a fake adult website. My Venmo account details First Name : XXXX Last Name : XXXX Username : XXXX Email : XXXX Unauthorized transaction datils $ XXXX ID XXXX $ XXXX ID XXXX $ XXXX ID XXXX $ XXXX ID XXXX $ XXXX ID XXXX Total = {$390.00} Now I want to full refund, I have rejected the first Venmo decision. Why Venmos Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX Venmo has failed to provide a thorough investigation or fulfill their consumer protection obligations. I have stopped using my account since there were unauthorized charges on my account.But I now want my dollars back, according to United States law, and it is my right. I know I may have made a mistake, but you have to refund policy system.I hope you will cooperate with me and avoid me having to go to small claims court.thank you

Company response to consumer: Closed with explanation