Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I worked for all of XXXX. I worked very XXXX hard this was my first job. Recently it has become tax refund time, my employer sent me my W-2 tax forms and I submitted my refund via XXXX. On XX/XX/XXXX I received my tax return ( extra : my tax return is my own it's in my name which is my Venmo account, I scanned my ID for Venmo and verified my account when I first made my account years ago they know that I am legitimately myself and I have verified my identity and proved I am XXXX XXXX undoubtedly. When I received my tax refund I went to fill my gas tank at the gas station and my Venmo debit card with {$1300.00} on it from my OFFICIAL TAX REFUND WHICH I XXXX XXXX  WORKED FOR and they declined it. I called Venmo and spoke to a supervisor. The suprivisor advised me to pay my entire tax refund to a friend who also has venmo. I sent it to my friend and they locked his account too. Then the suprivisor told me that it's okay and to have my friend send to another friend because my other friends I send {$300.00} and it worked to get my money so I listened to the scammer Venmo Employee Then Venmo froze my friends account and he told me he uploaded his drivers license and submitted a complaint with you guys the CFPB and then Venmo permanently bans his account. The suprivisor from venmo she said that they see my account after I verfied my identity by providing them with my own social security number which i was not comfortable giving because venmo is a scam company, and he said that is is verified and I am who I say I am and he would have my funds within 48 hours for withdrawal he told me he guaranteed me. After such they froze my account I can't get my money. And they refunded me my {$1000.00} today from my friends account which a survivor literally directed me to send then locked my account for sending the exact payment Venmos suprivisor told me to and then right now I just got a notification that Venmo who is owned by PayPal has closed my account and I can not access my funds for 180 days. This is my Tax Refund, it was deposited to my Venmo account which I have had open for years from the XXXX XXXX XXXX XXXX, there is literally a 0 % risk that I am a scammer. Venmo in the email said there's a risk for fraud so they did this. But I want to know where is the risk. I worked an entire year filed for tax refund which I am legitimately legally owed my tax refund and Venmo there in XXXX XXXX and doesn't know they united states laws , and they steal people 's hard earned money, more than hard earned. Money that is in a our names American Citizens, and the United States Government allows a scum company like Venmo to steal from the people of the United States is sad. An investigation for negligent and deceptive business practices needs to be opened on Venmo and it's parent company PayPal, as they on a daily basis steal from the hard working American. Until I get my {$1000.00} transfered to me from my own XXXX XXXX Venmo account I am homeless, Venmo/PayPal is a terrible company XXXX They scam hard working Americans from the cash they earned and they act like their legal, do something about this it is against my constitutional rights. This company literally LITERALLLLLLLY ROBS THE HOMELESS AND ANYONE ELSE THEY FEEL LIKE ROBBING, VENMO/PAYPAL is not a united states company , every agent is XXXX and the don't care. I verified my identity and they told me too bad were a big corporate conglomerate so we ( Venmo ) will rob you and since your a broke from a low income neighborhood we will use you like a slave. VENMO AND PAYPAL ARE SCAM COMPANIES WHO STEAL FROM THE HARDWORKING AMERICAN TO SCAN EVERY OTHER AMERICAN. First help me get my money, ban venmo from the United States as they only want chaos. Choose the right path fight against tyranny and give me the money which I worked for me XXXX XXXX XXXX  7 days a week 31 days a month to make my business successful and I have been robbed of literally the most legit payment, there is no possibility my money is fraud because it's my tax return you can't fake a tax return it's all on record I worked for long time and I pay my taxes to the United States IRS I am a responsible Citizen of The United States of America and I refuse to accept that the government of this country allows people who aren't even a part of this country to scam legitimate united states citizens. All I want is my money, it is my tax refund i worked for it, and also I already sent Venmo my State ID, Social Security Card and Birth Certificate, Venmo/PayPal has on record my ID and birth certificate as I have sent it to them more than 3 times. Only problem is the Venmo team refused to fix this and stole my money I don't care what they say. I worked for my tax refund it is a DIRECT DEPOSIT FROM THE GOVERNMENT TO ME THERE IS NO POSSIBLE CHANCE OF FRAUD BECAUSE I RESEARCHED ALL OF THIS.

Company response to consumer: Closed with explanation