Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/XXXX Dear Venmo, As I have explained multiple times to your department, I do not have any documentation regarding this transaction because I do not know this individual and have not purchased any goods or services from him. This is clearly a case of fraud. 
I am unable to contact this person because I do not know who he is. 
I am also requesting an explanation as to how Venmo allowed {$100.00} to be removed from my account without my knowledge or authorization. I only became aware that something was wrong when I received a text message from Venmo on XX/XX/XXXX asking for permission to pay this person {$1000.00}. Interestingly, I never received any notification or text message informing me that the {$100.00} had already been sent. 
I consistently receive notifications for deposits and withdrawals on my account, which makes the lack of notification for this transaction especially concerning. Had Venmo not sent the {$1000.00} payment request, I would have remained unaware that this fraudulent activity had occurred. 
I respectfully request a full investigation into this matter, reimbursement of the unauthorized {$100.00} charge, and clarification regarding how this transaction was processed without notification. 
Thank you for your prompt attention to this serious issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi User, XXXX from XXXX  XXXX here! Thanks for reaching back to us. I understand that you want the outcome to be favorable to you. 

Checking on it, there are no sufficient documents or support provided for the said claim. If you have additional information or documentation for the Account Specialist team that denied your dispute, please let me know, and Id be glad to escalate the case to them for further review. If you'd like to provide additional documentation, you can use our upload link to submit your document ( s ). For your privacy and security, please do not reply back to this email with your document ( s ).

You may also check your email for any outbound email sent to you and reply back to that to reach our specialist.

Thanks again for contacting us and have a great day!

Best, Krizzelle G. 


* * Venmo 's first response * * Hi, XXXX XXXX We're reviewing your Venmo case Original transaction ( s ) : Dispute Case ID XXXX Dispute amount {$100.00} USD Transaction amount {$100.00} USD Transaction ID XXXX Transaction date XX/XX/XXXX Payment sent to XXXX XXXX What's happening with XXXX XXXX? 


We're reviewing the case you filed on XX/XX/XXXX about not authorizing the transaction. 


In the meantime, your Venmo account is suspended to ensure that there are no additional unauthorized transactions. 


What happens next? 


We'll review your case and notify you regarding the next steps. 


You can check the status of your dispute or cancel it at any time by navigating to the Disputes section in the Venmo app. 

* * XXXX response * * Hi, XXXX XXXX Your Venmo dispute case has been denied Original transaction ( XXXX ) : Dispute Case ID XXXX Dispute amount {$100.00} USD Transaction amount {$100.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Payment sent to XXXX XXXX We received the case XXXX XXXX ) you filed on XX/XX/XXXX. We have reviewed this transaction ( XXXX ) and are denying your case ( XXXX ) : If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 


Thank you for your patience and cooperation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX here from XXXX XXXXXXXX support, I hope everything is doing great on your end! 

We recently submitted an appeal on your behalf after your initial claim payment to - XXXX for {$100.00} on XX/XX/XXXX was denied. 

Unfortunately, the appeal was also denied. We understand this may be disappointing, and we want to assure you that our account specialist team has finalized the result of the investigation and review to reach this decision. 

If you sent an email request to XXXX, we encourage you to submit the strong documents to our Account Specialists, as it depends on the volume of requests they have. But rest assured, you should hear from them as soon as possible. 

Im sorry for the inconvenience and we appreciate your cooperation. If there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here. Keep safe! 


Best, XXXXXXXX XXXX | Customer Care Representative

Company response to consumer: Closed with explanation