Consumer complaint received 2019-06-25
Company: Paypal Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019, I found a woman off of XXXX named XXXX who offered credit repair services. She told me for {$690.00} she would add tradelines to my credit report. XXXX asked me to use XXXX to purchase the tradelines however I did not want to use XXXX as I had a bad experience with XXXX. XXXX said she wanted me to use XXXX because Paypal had suspended her account : XXXX and told me to use her partners account XXXX XXXX XXXX Paypal account XXXX. XXXX told me that she got the tradelines from XXXX at XXXX XXXX ( XXXX ) XXXX-XXXX and the tradelines would appear on my credit report in 30 45 days to boost my scores so I could purchase an investment property. 

Between XX/XX/XXXX and XX/XX/2019 no tradelines appeared on my credit report. When I contacted XXXX XXXX, I found out XXXX did not work for XXXX XXXX and did not appear anywhere in their system. XXXX and I contacted XXXX in a three way call and she changed her story from getting the tradelines from XXXX XXXX to she was going to get the tradelines through a third party wholesaler. When I asked her for the contact information to the third party wholesaler, she told me the contact information could not be provided. 

XXXX lives in Texas but has a XXXX.XXXX.XXXX number and her partner XXXX has a number XXXX.XXXX.XXXX. After the three way call with XXXX XXXX, XXXX started avoiding my calls and would not provide me with the 'third party wholesaler ' that she claimed to have used for the tradelines. 

I then contacted Paypal and reported fraud and Paypal told me I would receive a refund in 10 business day. I never got a refund. 

Paypal stated XXXX and XXXX posted three tradelines on my credit report. I asked Paypal to provide me with copies of any/all written documentation showing XXXX/XXXX posted tradelines on my credit reports - Paypal could not provide me with the documentation requested. I asked Paypal for the name of the tradeline brand ( e.g. XXXX ), the credit limit, age of tradeline ( s ) and the date the tradelines supposedly posted to the credit report so I can confirm with the Credit Bureaus - Paypal could not provide me with information about the tradelines. I asked Paypal to provide me with the third party wholesaler 's contact information ( name, phone number, website, email ) that XXXX/XXXX   claimed to have used - Paypal does not have the third party wholesalers contact information. I asked Paypal for XXXX/XXXX current contact information - they could not provide that information. I asked Paypal to provide me with documentation used in their investigation to confirm the tradelines posted to my credit report and I have not received any documentation from Paypal. Paypal then sent me an email stating they need an additional 75 days to conduct another investigation. 

In the meantime, my XXXX XXXX card was charged {$690.00}. Paypal told XXXX XXXX and Master card that the transaction was valid based off of verbal statements from XXXX and XXXX. I told XXXX XXXX and Paypal that the transaction was relate to " the sale of certain items before the seller has control or possession of the item '', " involve certain credit repair, credit transactions '' which " involve offering or receiving payments for the purpose of bribery or corruption '' " involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. '' Which violates PayPal policy and I would like my refund. I have been scammed and would like Paypal to give me my refund of {$690.00}. 

Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$690.00} USD Dispute Amount : {$690.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 I also provided PayPal, the credit bureaus and XXXX  XXXX with a XXXX recording about the transaction. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation