Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Consumer Financial Protection Bureau Complaint No : XXXX, XXXX ET AL. 
Sir/Madam : Responding to the letter sent to me on XX/XX/XXXX but dated XX/XX/XXXX regarding an XXXX XXXX  account. It said in the letter that I had reported it as a fraudulent opening but I Had perpetuated the fraud myself and even ended up paying on the account. Only a XXXX will come up with that. 

Contrary to popular opinion I am not a morning just because I was foolish enough to open as account/s with XXXX XXXX . When I went in to make a purchase at XXXX, I informed the I already had an active account. They checked the system and said no so they opened the new account. It was when I went in to pay my bill I saw that I had an existing XXXX  account. Naturally I was upset as I had 2 XXXX  accounts now. I requested the older account closed, even though it had a higher credit balance and filed a complaint with the toothless CFPB regarding the issue as m credit was ran twice now. It was then it got really stupid.

My existing account was closed, and I was left with the account with a current balance. I made a payment on the account. I went into my account in XXXX to make a payment and the account had vanished. I called XXXX twice and said they were investigating the account. The geniuses at XXXX, after their investigation came back and said I was had perpetuated the fraud.

PayPal Below is an email I got from XXXX regarding a complaint I filed with again the toothless CFPB regarding a Paypal complaint. Who in the world understands the gibberish written below : I am writing on behalf of PayPal in response to your complaint ( Complaint ) to the Consumer Financial Protection Bureau. I can understand how concerning it would be to file a chargeback and be told that you were credited twice, thus resulting in a negative account balance. I attempted to contact you directly on XX/XX/XXXX, but I was unable to reach you at that time.

Your Complaint stated you filed a chargeback and were notified that you were credited twice, thus PayPal took your account negative {$130.00} due to the double credit. You requested your account balance be resolved as you were not double credited.

Response On XX/XX/XXXX, you created a PayPal account ( " Account '' ) at which time you agreed to PayPal 's User Agreement. On XX/XX/XXXX, you applied and were approved for PayPal Credit. 

On XX/XX/XXXX, you sent a payment from your Account in the amount of {$560.00} ( " Payment '' ) to the seller ( " Seller '' ), which was funded using your PayPal Credit. 
On XX/XX/XXXX, the Seller issued you a partial refund in the amount of {$430.00}, which was refunded to your PayPal Credit. 
On XX/XX/XXXX, PayPal received notification that a chargeback was filed with your PayPal issuer. The chargeback was filed because you were due a credit that was not sent to you. It is important to note that when a sender of a payment files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. 
On XX/XX/XXXX, PayPal was notified that your card issuer decided the chargeback in your Seller 's favor. That decision was made by your card issuer and not by PayPal. Additional requests for information regarding this chargeback should be directed to your card issuer by contacting them directly.

PayPal 's Purchase Protection Program states, " You must choose whether to pursue a dispute with PayPal under our Purchase Protection program, or to pursue the dispute with your card issuer... if you pursue a dispute with your card issuer, you can not pursue a dispute/claim with us later. '' Accordingly, we have denied your request for reimbursement.

Upon receipt of your Complaint, I reviewed your chargeback. I believe that our system identified that the partial refund that the Seller provided you initially was a full refund and not the remainder of funds that has not yet been returned. As such, I unissued a credit in the amount of {$130.00}, thus resolving the negative balance on your Account.

Explanation of Closure I am glad that I was able to review your chargeback and issue of a credit in the amount of {$130.00} on XX/XX/XXXX, in order to resolve your negative Account balance.

We offer our sincerest apologies for any difficulties you may have encountered while using our services and hope that this response resolved any concerns you may have. Please feel free to contact PayPal 's Office of Global Customer Complaints & Advocacy at XXXX if you have any questions or concerns or if we can be of further assistance.

Respectfully, XXXX XXXX. 
Global Customer Complaints & Advocacy PayPal , Inc .

Till today, my account is still negative on PayPal and this letter is more than 2 weeks old. I never got the initial credit and my account keeps getting charged {$4.00} from a supposed error made my the geniuses in your accounts dept.

You have 7 days to credit ALL my accounts back or else I will file a small claims lawsuit against your company. If you think I cant just go ask XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX