Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Urgent Complaint - Case XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, Inc., outlining the XXXX XXXX XXXX my case, identified as XXXX. I am XXXX XXXX, residing at XXXX XXXX Coast Highway, # XXXX, XXXX XXXX, CA, XXXX. I am deeply frustrated and disappointed with the handling of this case, as PayPal has demonstrated a disregard for the facts, engaged in misrepresentation, made false promises, and closed support requests without providing any resolution. 

I would like to bring your attention to the specific sequence of events and the lack of adequate response from PayPal. On multiple occasions, starting from XX/XX/XXXX to XX/XX/XXXX, I attempted to contact PayPal via their message center regarding this issue, but my attempts were met with XXXX resolution efforts from any agent. Instead, I received false assurances about problem escalation, and cases or messages were intentionally closed without any response or resolution. 

XXXX of the most concerning aspects of this case is the chargeback for the disputed amount of {$480.00} USD, which was overturned by PayPal without a satisfactory explanation. I have provided substantial evidence to support my claim and clearly demonstrate that the issue was resolved in my favor, resulting in the chargeback being reversed. However, PayPal has disregarded this irrefutable evidence, undermining the integrity of the dispute resolution process. 

Furthermore, PayPal representatives repeatedly assured me that my case would be escalated and resolved by the appropriate department or team. Unfortunately, these assurances turned out to be false, as no action has been taken to address my concerns. Despite following all recommended procedures and providing all requested information, PayPal has failed to honor its promises and provide a meaningful resolution. This repeated betrayal of trust and breach of commitment is completely unacceptable. 

The closure of my support requests without providing a satisfactory solution adds to my frustration. It demonstrates a lack of commitment to resolving customer issues and highlights a systemic failure within PayPal 's customer support. This dismissive approach not only perpetuates the ongoing problems but also leaves me without recourse, exacerbating the distress caused by this ordeal. 

To address the seriousness of this situation, I have already filed complaints with various agencies, including the CA XXXX Attorney General XXXX XXXX for XXXX XXXX, Better Business Bureau, Federal Trade Commission, Office of the Comptroller of the Currency, Federal Reserve, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Additionally, I have engaged legal representation, and both my attorney and the California Attorney General will be contacting PayPal directly regarding this matter. The implications of PayPal 's mishandling and negligence extend beyond mere dissatisfaction and can have far-reaching consequences for the company 's reputation and legal standing. 

Considering the evidence provided and the severity of the situation, I am urging the Consumer Financial Protection Bureau to conduct an immediate and thorough investigation into my case. It is essential for PayPal to rectify the disputed amount of {$480.00} USD and provide a comprehensive explanation for the inconsistencies in its handling of this matter. I insist on receiving regular updates on the progress made in addressing my concerns, and I request that all further communication be conducted in writing to ensure transparency and maintain a documented exchange. 

I implore the Consumer Financial Protection Bureau to consider the implications of PayPal 's actions and the potential repercussions resulting from its disregard for customer rights and fair dispute resolution. It is imperative for PayPal to restore my trust in its commitment to customer satisfaction and address the systemic failures that have contributed to this ongoing ordeal. 

I expect a prompt and satisfactory resolution to this matter, XXXX that not only resolves the dispute but also demonstrates PayPal 's dedication to remedying its mistakes and upholding the principles of integrity and accountability. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX PayPal Account : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation