Consumer complaint received 2022-05-19
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is the cause of Paypal not understanding how to issue temporary credit and retrieve it in a manner that does not cause issues with consumer protection at other financial institutions. To start, I have to give the full story from start to finish as to how paypal managed to negate my consumer protection at XXXX. 

My paypal account is XXXX Phone # XXXX My XXXX Claims filed are XXXX XXXX XXXX XXXX Mainly concerned about case ending in XXXX. 

On XX/XX/XXXX, I purchased XXXX XXXX XXXX  with XXXX of storage billed in XXXX amounts of {$1700.00}. I returned the XXXX phones as the incorrect storage models were given ( XXXX ). I patiently waited for the XXXX to return the XXXX phones until they had an issue with the delivery. The item was never updated after " in-transit status had been given '' You may see this on XXXX yourself. XXXX is the tracking number from the label XXXX provided for the return. I contacted XXXX XXXX several times trying to resolve this situation. They stated they would provide replacement XXXX. They were never issued. I called one last time and they stated my best chance was to call XXXX and have them open a claim for the missing package. I contacted XXXX trace dept. and they said they can not pursue a claim as they have a freight agreement between XXXX and XXXX that prevents such. I even recieved a physical letter stating such by XXXX which I can upload. 

I contacted Paypal and filed XXXX claims with them for both amounts of {$1700.00} for the XXXX XXXX  This is because XXXX bills the phones separately. For both claims, I provided Paypal the Shipping label that XXXX provided for the return, I provided the tracking number by XXXX stating the return had be made, but due to XXXX issues that XXXX had to pursue their agreement with XXXX in order to make a claim. The first case XXXX was denied due to Paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' Yes the return could not be finalized aforementioned reasons... The XXXX Paypal case of XXXX, On XX/XX/XXXX, I recieved a message stating that they would look into this and issued a Provisional Credit. Their credit was issued as a Refund under my Bank statement. First, this is a major issue. If a refund is issued to my financial institution and I lose the case with paypal, that means I would not be able to pursue it with my Bank XXXX. because they will see the merchant refunded my money and can not dispute the transaction any further. As expect on XX/XX/XXXX they denied my case XXXX XXXX paypal stating " The case was closed in the sellers favor as the proof of return you provided was invalid. '' They did not contact me or call me to provide them any details they may have been concerned about as I elaborated best I could, but they refused to provide best effort. On XX/XX/XXXX, Paypal attempted to rebill me for {$1700.00} from my debit card on file. I did not allow this, because if I were to dispute the transaction it would be with Paypal themselves and not XXXX. Therefore Paypal billed me via account balance on Paypal. 

This caused weeks of headache, trying to explain to my Financial institution that Paypal issued a temporary credit and NOT a refund, but due to XXXX inability to label the transaction as a Temporary credit, XXXX could not provide me an consumer protection. I called paypal Multiple times and they stated I would have to reach out to XXXX to have them contact their dispute department. I asked them for e-mail, address information that XXXX could use to contact their department. They stated that since they are a back office, they can not provide any contact information. 

So to sum it up, I can not pursue a dispute with XXXX because Paypal issued a temporary credit as a refund, Refused to understand my situation with the claim, Then completely invalidated my consumer protection because XXXX saw that Paypal Issued a refund in the amount of {$1700.00} for the original transaction placed on XX/XX/XXXX. Then attempted to rebill me for that amount, as stated, if I let paypal bill me, I couldn't pursue a dispute via my financial institutions as it is a " debt '' that paypal is recollecting and not something the XXXX XXXX XXXX has any control over. 

The provided documentation attached are as follows. 
XXXX Issuance of Temp Credit.pdf - Shows where paypal issued " Temporary Credit '' XXXX Case Denial.pdf - Paypal denying my case for " invalid tracking '' XXXX notice of debit.pdf - Notice of paypal Rebill for the " refund '' they sent me XXXX - My personal bank statement detailing Paypal 's inability to label the transaction as a Temporary credit for the amount of {$1700.00} on XX/XX/XXXX XXXX XXXX XXXX - Tracking that is verifiable XXXX  Return Label.pdf - XXXX return label for the XXXX XXXX XXXX Declined Transactions.pdf - The attempt to rebill me, which they actually reference it is a reversal of temporary credit, but they could do that for the issuance??? 
Account Activity Paypal Case.pdf - Note how Paypal labels it as a refund reversal? How is this not a breach of consumer protection.

Company response to consumer: Closed with non-monetary relief