An app called Venmo.

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Oct 31, 2019
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I needed to transfer funds to an account. I downloaded the app Venmom so that I could transfer funds to my friend who needed help with his Bills rent etc. I opened the app registered my email and name and everything else that was required of me and I deposited 250 dollars into s venmo account. And sent it to my friend. U then called my bank direct Express to make sure the funds were cleared. Verefied and sent through to venmo the direct Express lady approved the funds and told me that everything g look great there should not be any problems with him receiving the money. Im always scared sending money. Anyhow she said it was good. Next I called venmo and asked them if the account that the funds were sent to open and verefied and cleared and okay for my friend to transfer funds to his bank. Venmo told me that everything was good that I had nothi g to worry about. The funds were cleared verefied and approved meaning there was nothing fraudulent about the account orcghe debit card or the pin or anything. He was good to go and the funds. The an hour later he and I both receive emails stating that our accounts were suspicious and they think that some shady ( lack for better word) business was going on and they froze both of our accounts and deactivated them told us that we need to contact the account specialist via email. Because that's the only way to talk to the account specialist was through via email." How convenient" also it would take 3-5 business days before the account specialist would return our emails. Later on the they contacted me and told me that I wasnt following the rules and regulations of venmo laws and rhats why they froze my account they never told me what exactly I did specifically but something in the rules I didnt follow. So they ask for my indentifaction to verify that's it's me on the account. I sent them ten orctwelve copies of my indentifaction because they kept asking and kept asking. I called venmo and spoke with one of the reps and she too was shocked and confused as to why my account was all of a sudden frozen. As she was staring st my account seeing that everything was clear and approved she even saw where I called right after I deposited the funds. I began to cry. She told me that she would put a reveral on and it would take 3 to 5 business days for a response. Again when I got the response I got the run around. So she asked for my ID I gave it to her. And asked for an updated that she never gave back . I asked severalc times to just unfreeze my account so I can get my funds. Her response was that i was breaking some kind of law and she flagged my account and put a 180 day hold on my account pending investigation. I don't know what to do at this point. Now she asked for my bank info I gave it to her and I have yet to receive a response back I'm scared that they will get ahold of my direct Express and steal my money. I get paid tomorrow. Its all the money I have and if they take it there would be nothing that I can do as to get my funds back please help me somebody. I followed all their rules I did everything they told me to do and I still gave yet to receive my funds
 
Sep 19, 2015
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I am sorry but I cannot understand the narrative. You used venmo to transfer money. You have an account with Direct e\Express -- but isn't Direct Express a prepaid debit card and not a real bank account? And now there are verification issues?
 
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Neil Maley

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Is Direct Express a bank or a debit card? The fact that you are so anxious for this to be transfered can be a red flag to Venmo. Is your friend in the US? Has the friend had any issues with his Venmo account? Something is missing here. Do you have a cell phone number? Are you over 18 and live in the US? Does your friend live in the US?

I don't understand this in your letter - "Venmo told me that everything was good that I had nothi g to worry about. The funds were cleared verefied and approved meaning there was nothing fraudulent about the account orcghe debit card or the pin or anything. He was good to go and the funds. "

Why were you worried something was fraudulant? Your calls may have set a red flag for Venmo to look into his account more and perhaps they found something wrong with his account of unusual transactions. Have you asked your friend what is going on with his account?
 
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VoR61

Jan 6, 2015
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The Venmo User Agreement is located here: https://venmo.com/legal/us-user-agreement/

and states that "You can link or unlink a debit card, credit card, or a U.S. bank account to your Venmo account as a payment method"

So, I do not think that the issue is in the setup of your account, especially because of the phone assistance your received during and afterwards. What stands out to me in the agreement are:
  • Personal accounts may not be used to conduct business, commercial or merchant transactions with other personal accounts
  • You may not create or control more than one personal account for yourself without our express authorization
  • You may not use a name that is not yours, using a temporary email address or phone number, or providing any other falsified personal information
and there are others. I suspect that something in the transfer attempt caused concerns about the appropriateness of that transaction (names, addresses, purpose, etc.)
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
23,042
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New York
www.promalvacations.com
The Venmo User Agreement is located here: https://venmo.com/legal/us-user-agreement/

and states that "You can link or unlink a debit card, credit card, or a U.S. bank account to your Venmo account as a payment method"

So, I do not think that the issue is in the setup of your account, especially because of the phone assistance your received during and afterwards. What stands out to me in the agreement are:
  • Personal accounts may not be used to conduct business, commercial or merchant transactions with other personal accounts
  • You may not create or control more than one personal account for yourself without our express authorization
  • You may not use a name that is not yours, using a temporary email address or phone number, or providing any other falsified personal information
and there are others. I suspect that something in the transfer attempt caused concerns about the appropriateness of that transaction (names, addresses, purpose, etc.)
They may not consider a pre-paid debit card a qualifying card - there is no bank account associated with a pre-paid card if in fact the OP is using a pre-paid card.

They also require personal information that can be verified - we must verify the required identifying information you provide to us. The required identifying information is: name, physical address, date of birth, and social security or taxpayer identification number.

I think we need more information from the OP - something isn't adding up.
 
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Neil Maley

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Dec 27, 2014
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Mel65

Mar 23, 2015
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"Her response was that i was breaking some kind of law ..." I feel like she wouldn't have said, "You're breaking some kind of law." That's not the language a normal person uses. What EXACTLY did she say? "You deposited a potentially fraudulent check"? "You are suspected of wire fraud"? The odd number of phone calls "verifying" the legitimacy of the deposit/transfer are what raise my hackles and tell me that the issue probably originated with the initial $250 deposit. What form did that take? Was it cash? Gift card? Check? Maybe that raised a red flag. Whatever the situation, you've caused bells and sirens to go off in command central and it sounds like you're going to have to wait it out. Venmo is owned by PayPal and they do NOT play around when it comes to money... also, they like to keep it, even if it doesn't belong to them. Good Luck. I really hope you weren't playing fast and loose with the rules....
 
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Sep 18, 2018
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The odd number of phone calls "verifying" the legitimacy of the deposit/transfer are what raise my hackles and tell me that the issue probably originated with the initial $250 deposit.
That's the red flag for me. Venmo is an online payment service. Why so many phone calls to confirm everything that you can see on your screen -- unless there were doubts that it would go through for various reasons.
 
Oct 31, 2019
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Is Direct Express a bank or a debit card? The fact that you are so anxious for this to be transfered can be a red flag to Venmo. Is your friend in the US? Has the friend had any issues with his Venmo account? Something is missing here. Do you have a cell phone number? Are you over 18 and live in the US? Does your friend live in the US?

I don't understand this in your letter - "Venmo told me that everything was good that I had nothi g to worry about. The funds were cleared verefied and approved meaning there was nothing fraudulent about the account orcghe debit card or the pin or anything. He was good to go and the funds. "

Why were you worried something was fraudulant? Your calls may have set a red flag for Venmo to look into his account more and perhaps they found something wrong with his account of unusual transactions. Have you asked your friend what is going on with his account?
I complied with everything me and my friend both started accounts in order to send the money they verefied and. Cleared the direct Express card my bank and the people at venmo I did nothing wrong. But transfer funds or tried to transfer to another account. And they flagged me for 189 days. I'm now homeless because I couldn't pay my rent. Shelters are full and that money was to cover my rent well the rest of it.
 
Oct 31, 2019
4
0
1
29
They may not consider a pre-paid debit card a qualifying card - there is no bank account associated with a pre-paid card if in fact the OP is using a pre-paid card.

They also require personal information that can be verified - we must verify the required identifying information you provide to us. The required identifying information is: name, physical address, date of birth, and social security or taxpayer identification number.

I think we need more information from the OP - something isn't adding up.
I veredifed everything sent indentifaction and bank statements everything. What did I do wrong how am I going to get my money back
 
Oct 31, 2019
4
0
1
29
"Her response was that i was breaking some kind of law ..." I feel like she wouldn't have said, "You're breaking some kind of law." That's not the language a normal person uses. What EXACTLY did she say? "You deposited a potentially fraudulent check"? "You are suspected of wire fraud"? The odd number of phone calls "verifying" the legitimacy of the deposit/transfer are what raise my hackles and tell me that the issue probably originated with the initial $250 deposit. What form did that take? Was it cash? Gift card? Check? Maybe that raised a red flag. Whatever the situation, you've caused bells and sirens to go off in command central and it sounds like you're going to have to wait it out. Venmo is owned by PayPal and they do NOT play around when it comes to money... also, they like to keep it, even if it doesn't belong to them. Good Luck. I really hope you weren't playing fast and loose with the rules....
It was a card direct Express card that was used. It was linked and verefied and cleared for use. I'll send the original emal.
 

VoR61

Jan 6, 2015
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4,219
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the United States
I'm now homeless because I couldn't pay my rent. Shelters are full and that money was to cover my rent well the rest of it.
This is confusing, at least to me. In your original post you identified the purpose of this transaction as "so that I could transfer funds to my friend who needed help with his Bills rent etc". But now you say that you needed the $250 for your own rent.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
23,042
23,001
113
New York
www.promalvacations.com
I complied with everything me and my friend both started accounts in order to send the money they verefied and. Cleared the direct Express card my bank and the people at venmo I did nothing wrong. But transfer funds or tried to transfer to another account. And they flagged me for 189 days. I'm now homeless because I couldn't pay my rent. Shelters are full and that money was to cover my rent well the rest of it.
Now I am confused. You were sending money to your friend to pay his bills and now you are homeless? If you needed the money- why were you sending it to him? Why didn’t you just use your card at an ATM and get cash?
 
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Neil Maley

Moderator
Staff Member
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Dec 27, 2014
23,042
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www.promalvacations.com
What you need to do is use the contacts for PayPal you were given and write to them. I don’t understand what the purpose of sending money you needed to your friend. I can see why Venmo might have been confused as well. You are going to need to clearly explain what the purpose of doing what you did to Venmo because we don’t understand it.
 
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RLB

May 28, 2019
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I believe the problem may come on the Direct Express side. The DE website says that it is a prepaid debit card funded by your federal benefits which are received electronically. There are service fees for various types of transactions for which the DE card holder must have enough funds on the card to cover the fees. Direct Express website has contact information. Contact them.
 
May 16, 2016
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A DIrect Express card is used ONLY to receive federal benefits payments. It is not linked to any bank. You can use it to take cash out of an ATM, but I'm guessing it was flagged because it can't be used to send or receive online payments between private individuals using services like Venmo or Paypal. The first 8 digits of the card number would identify it as this type of card. The same thing would happen to a Federal employee who attempted to use their government-issued travel card to pay for something from an unapproved vendor.