Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Complaint against PayPal This was emailed to XXXX at Paypal To XXXX This is my response to Paypal, it will be brief. I have called and emailed Paypal to handle this situation and you have done nothing. Your representatives have told me that the negative balance of XXXX was because of XXXX, I could not add funds to clear up the account until XXXX releases the hold on the account, XXXX stated that it was not their fault the account was frozen its up to Paypal to unfreeze my account. 

The hold was put on my account by XXXX for a purchase made by a buyer, the buyer made a false claim the product a limited edition photo print arrived damage, yet their is no damage to the USPS postal tube box, and the buyer is now showing damage that could not have occurred to the print it was sealed correctly in the box. Also XXXX policy is for a buyer to contact the seller about a refund, the buyer placed a claim against me before he contacted me, which started this whole process. Also XXXX took the side of the buyer before communicating with me the seller. Also there is clearly marked on my transactions No Refunds. 

The agreement with myself and Paypal is for my XXXX XXXX XXXX account to be linked to transfer funds to and from my account. Since you froze my account I can do nothing. XXXX held money from me, for another sale, when I contacted them on XX/XX/2020 they stated they are no longer using PayPal as a method of payment, and told me to list a bank account with them for payment. I asked about Paypal and they stated I could keep it open or close it. I listed my bank account with XXXX and the payment was made, now Paypal no longer needed, I removed the XXXX to my bank account getting ready to close my account. Then the buyer placed a complaint on the purchase which caused me to have a negative balance. The complaint is still ongoing. 

Then on XX/XX/2020 you allowed XXXX to access my bank account for XXXX, I did not authorize this payment, you removed funds from my account without my consent. Another bank account was set up with XXXX there was no reason to go through PayPal and further complicate this mess. I will not pay the XXXX you removed from my account without my permission. Also I am under Covid 19 financial hardship which you have made worse by access my account without authorization. Now I have to close bank accounts because of your illegal removal of funds, I am working with XXXX XXXX XXXX presently, but now to fix this mess it is costing me more money than the print is worth, I am losing money. 

Also I have stated I contacted you and XXXX numerous times, go listen to the phone call tapes, so dont insult me by telling me to contact your useless customer service, and all the rest of the XXXX you indicated in your response, you and XXXX started this mess fix it. 

If you are serious about a resolution to this mess, you can contact me by email at XXXX or call me at XXXX XXXX. If not do as you do, which is nothing. Oh and did you wait until XXXX XXXX XXXX to send a response to my complaint, to frustrate me more. Happy New Year. 

Paypal never contacted me all I received was a collection agency attempting to collect the amount they say I owed, by making continuous harassing phone calls. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation