Consumer complaint received 2021-01-29
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This Complaint has to be reopened and New Complaint has to be submitted a request for Pay Pal to provide me how my PayPal account was charged without my authorization. I did not request a RIDE. The last ride I authorized from an XXXX account was in XXXX, see attached evidence. I never used XXXX for any rides, since XXXX. These IDIOTS at PayPal continue to tell me there was no unauthorized charge. There was a ride with XXXX that I did not request, not for me or no one else. Having a prior agreement does not explain an unauthorized charges. I may have an old agreement with XXXX Prior to my last ride in XXXX, and the last authorized ride was in XX/XX/XXXX. PayPal claims that my Complaint is regarding a transaction that was processed through my PayPal account, which agreed to, I did not unauthorize a Ride. I do not care to request that PayPal reimburse me for the amount of the transaction, PayPal can shovel the crumbs of money. I NEED AN EXPLANATION to HOW SUCH CHARGE WAS PLACED. I am not questioning the account I agreed to open with PayPal, NO BODY IS ARGUING ABOUT the fact I provided XXXX XXXX  account to be used as a funding source and for AUTHORIZED CHARGES, I did not authorize the XX/XX/XXXX XXXX RIDE, because I DID NOT REQUEST ANY RIDE. Pay Pal Executive Escalations department is claiming that on On XX/XX/XXXX, I initiated a billing agreement ( Billing Agreement ) with XXXX XXXX XXXX XXXX XXXX Merchant ) which allowed the Merchant to process payments from my Account pursuant to the terms of the Billing Agreement. I DID NOTTTT. Why would I need to initiate another agreement when I already had an agreement entered prior to XXXX. I already had an existing agreement that was more than four years ago, nut never used XXXX since XXXX. Yes if I requested the ride in XXXX of XXXX, It would have assumed that I agreed that payments for the ride to be paid through PayPal as a preauthorized transfer or preapproved payment. The Big issue here IS that this NO GOOD COMPANY IS FAILING TO UNDERSTAND, I DID NOT REQUEST NOR DID I HAVE A RIDE WITH XXXX on XX/XX/XXXX. When I contacted on On XX/XX/XXXX, I contacted PayPal customer support to report unauthorized activity and not to be asked to change my password, I was forced to change my password. Because obviously the charge with XXXX did not occur with a login to my account, the ride was order via XXXX XXXX, which I do not even have on my phone. My Paypal password had nothing to do with the XXXX XXXX. I am only asked to enter my paypal password only when making purchases on line. 

PayPal as part of its investigation into my claim of unauthorized activity included, IT CLAIMS BY looking at my Account login history and payment history WHICH ALL ARE undisputed CHARGES AND purchases activities and valid login History, it is outrageous that they would use that to deny my valid claim, PayPal is shamelessly claiming that my activities were consistent with my historic Account activity, HOW THE XXXX IS A CHARGE I HAD GIVEN NO AUTHORIZATION, CONSISTENT WITH MY HISTORIC ACCOUNT ACTIVITIES. My activities is done from my computer and it is only limited to buying PRINTING INK, STAMPS and purchase some household small items. HOW IS A CHARGE FROM XXXX CONSISTENT with purchases I made from my desk computer. It is clear we dealing with some PURE IGNORANCE AND ARROGANCE, with a second grader education. Why can't PAYPAL hire some people with at lease a middle school education. 

Now there is NEW CONCERN, THAT IF there has been any XXXX CHARGES PAST XX/XX/XXXX, which is the last RIDE ordered with my XXXX account, I demand for PAYPAL, To provide me with ALL XXXX CHARGES POST XX/XX/XXXX, it seems that I was only aware of the last charge in XX/XX/XXXX. Pay Pal also never provided me with a copy of what XXXX RESPONSE WAS, also since PayPal concluded that I had an agreement with XXXX with the account that initiated in XXXX of XXXX, then PayPal needs to provide proof of that agreement and it must contain my email address my phone number. I recently request my old XXXX Account that was opened 4 years ago to be closed. Now PAYPAL needs to provide me with evidence that support their claim that there is an XXXX Account that I agreed to open in XXXX of XXXX. IT IS AS SIMPLE AS THAT.

Company response to consumer: Closed with explanation