Consumer complaint received 2018-03-23
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX Paypal authorized the return of an item that I sold on XXXX AS NON-RETURNABLE! This was after I had proven that the item was shipped undamaged but was being falsely stated by the buyer as broken. On XX/XX/XXXX XXXX agreed that it was undamaged when sent but the buyer complained to Paypal another 45 days later and the money was taken from my Paypal Account, leaving the Paypal account approximately {$70.00} in the negative since it was being sold for someone else and money was being disbursed to them. I wanted Paypal to correctly ACTUALLY LOOK AT THE EVIDENCE which they CLEARLY DID NOT, and to credit the money back to my account as it should have never been taken. It was OK with me for my Paypal account to remain in the negative until they make it right since my financial behavior allows me to bank traditionally. 
Then on XX/XX/XXXX I awakened to 3 offers to buy my merchandise. Due to the inconsistencies I declined each one with the following statement as the reason Paypal and XXXX have a policy conflict that I've asked them, the Attorney General, the CFPB, and the XXXX to take a look at and resolve. Until this is resolved I can not in good conscience accept your offer. THANKS Then onXX/XX/XXXX one of those buyer PURCHASED ANYWAY. This was to create a positive balance in my Paypal account so that they could take the refund balance from my personal account but this is erroneous since I did NOT give them permission to access my account without a purchase. I was ABSOLUTELY NOT willing to send out additional items unless both XXXX and Paypal follow the NO RETURNS RULE AND LOOK AT THE FACT THAT I SHOWED WITH PICTURES UPLOADED AT THE TIME OF SHIPMENT! So a stop payment was executed on the unauthorized payment being taken from my personal account. I didnt remove ANY MONEY FROM THE PAYPAL ACCOUNT as such PAYPAL NEEDS TO REFUNDS THE SECOND BUYER FROM THE MONEY THAT IT RECEIVED FROM HER AND TO LEAVE MY PAYPAL ACCOUNT IN THE NEGATIVE UNTIL THEY RETURN THE MONEY FROM THE ORIGINAL TRANSACTION WHICH WILL PUT THE PAYPAL ACCOUNT IN THE POSITIVE. 

I absolutely contacted PAYPAL to have them deduct the money from the PAYPAL account since this is where it actually went. 

In this scam PAYPAL AND XXXX are performing together and Ive uploaded the declines and highlighted the passage where I told the buyer that I was working on an issue and would NOT be accepting offers. The money is supposed to be returned to the buyer in the way it was paid. It was paid to PAYPAL AND SO IT NEEDS TO BE DEDUCTED FROM PAYPAL. Keep in mind that I cancelled the transaction on XXXX and because they force you to use Paypal they should take the money from Paypal in the FORM OF THE PAYMENT. They are different companies when you show them inconsistencies. But they can use each others system when they are trying to rip you off. They also need to pay me {$35.00} the cost of having to stop the payment WHEN CLEARLY THE MONEY WENT TO PAYPAL AND THATS WHO NEEDS TO GIVE IT BACK. My personal account was NOT involved in this transaction AT ALL, and Ive NOT transferred money from Paypal that would justify them accessing anything but Paypal. Ive attached where I told the buyer about the conflict and you can EASILY SEE THE INSIDE JOB OF THEM PURCHASING ANYWAY TO STEAL MONEY TO PAY FOR PAYPAL BAD DECISION! I sell FINAL AS IS and cant have them allowing people to destroy my merchandise and send it back for fake reasons. I DONT accept returns because Im NOT a store. I sell pre-owned family members stuff so what you see IS what you get. Scammers buy your in very good condition items and then try to swap them out with lies and damaged stuff. Also likely competitors buy your item to try to establish a selling price and then break your item so that it cant be competing against theirs, etc, etc. Why is not my concern at this point but XXXX and Paypal colluding and conspiring to take from the attached bank account when it wasnt used in the transaction AT ALL to fix a negative balance is unacceptable and needs to be addressed by the investigating agency. I do know that you cant be my personal attorney but this is conduct that SURELY AFFECTS THE MASSES and in those regards you represent US, the people. Neither of these complaints are stories that are being reported. They are things that ACTUALLY transpired EXACTLY the way that Ive stated and I have all letters, photos and messages associated with my problems to prove it. Making more sales is not the way to correct the problem. XXXX and Paypal actually looking at the facts that my item was shipped AS SHOWN AND STATED and respecting the SOLD AS IS POLICY as is posted is what needs to happen. In addition to the taking the payment from how it was received and creating sales from account to trick money into Paypal MUST BE STOPPED! 
A complaint HAS already been filed about the initial problem, but to create fake sales for the distinct purpose of accessing my personal account is unethical, if not illegal.

Company response to consumer: Closed with explanation