Product: Checking or savings account

Unauthorized Transactions by XXXX and PayPal, Resulting in Financial Injury I am filing this complaint against XXXX and PayPal for unauthorized transactions on my account that continue to harm me financially, despite clear communication and evidence provided to both companies. 



The specific charges include : XX/XX/XXXX : {$49.00} ( Transaction ID : XXXX, processed XX/XX/XXXX ) XX/XX/XXXX : {$49.00} ( Transaction ID : XXXX, processed XX/XX/XXXX ) XX/XX/XXXX : {$49.00} ( Transaction ID : XXXX ). 



XXXX of Events : XXXX. XX/XX/XXXX : I canceled my subscription with XXXX and received a refund for charges incurred during the trial period. I received confirmation of the cancellation. 

XXXX. XX/XX/XXXX : I noticed charges for XX/XX/XXXX and XX/XX/XXXX and immediately contacted XXXX and PayPal. I explicitly informed them these charges were unauthorized and that my subscription had been canceled. 

XXXX. XX/XX/XXXX : Despite my prior complaints, an additional charge of {$49.00} was deducted from my account, further worsening the financial harm to my household. 

XXXX. Communication : I raised these issues with both XXXX and XXXX on multiple occasions. XXXX falsely claimed that my account remained active due to an issue with skipping monthly charges, despite clear evidence of my cancellation in XX/XX/XXXX. 

These unauthorized charges have caused financial harm, disrupted my household budget, and violated consumer protection laws. 

Consumer Protection Violations : XXXX. Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) : Under the EFTA, consumers are protected from unauthorized electronic transfers. I informed PayPal and XXXX of the unauthorized charges as early as XX/XX/XXXX. Both companies have failed to take corrective action, violating their obligations under the EFTA. 

XXXX. Failure to Investigate Disputes : PayPal and XXXX have failed to investigate or prevent further harm following my disputes. The EFTA requires timely investigation and resolution, which neither company has fulfilled. 

XXXX. Unfair and Deceptive Practices : ShoeDazzles failure to properly cancel my subscription and their baseless claim that I failed to skip months constitutes an unfair and deceptive practice under the Federal Trade Commission Act ( 15 U.S.C. 45 ). 

XXXX. Data Privacy Violations : I did not provide XXXX with updated payment information. Their ability to charge my card raises concerns about potential data privacy violations or unauthorized access to my financial information. 

Desired Resolution : XXXX. An immediate refund for the unauthorized charges totaling {$140.00} : {$49.00} for XX/XX/XXXX {$49.00} for XX/XX/XXXX {$49.00} for XX/XX/XXXX XXXX. A permanent block on XXXX from accessing my financial accounts or processing any future payments. Removal of all data, associated with my name. 

XXXX. An investigation into : XXXX failure to properly cancel my subscription in XX/XX/XXXX. 

PayPals failure to prevent repeated unauthorized charges despite my disputes. 

XXXX. XXXX that both XXXX and PayPal are held accountable for violating federal consumer protection laws, including potential penalties for non-compliance. 

Supporting Documentation : I have attached all relevant documentation, including : Records of the disputed transactions. 

Screenshots of my communications with XXXX and PayPal detailing the unauthorized charges and my cancellation request. 

Evidence of the financial harm these unauthorized transactions have caused to my household. 

XXXX XXXX : As a private civilian, I rely on financial institutions and merchants to comply with consumer protection laws. These repeated unauthorized transactions and the failure of XXXX and PayPal to act promptly have caused undue stress, financial injury, and disruption to my household. I request immediate intervention by the CFPB to resolve this matter and ensure compliance with federal law. 

Sincerely, XXXX XXXX