Consumer complaint received 2019-05-18
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CERTIFICATE OF MAILING Dear Sir/Madam : I am re-disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). 

Below is A breakdown of the total amount paid {$8000.00}, and amount refunded {$8000.00},. 

I expect credit collection agency to provide proof showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge should be provided. 
I dispute this debt because I returned the items to the seller. 

As I discussed with the bank, if the seller would return the {$1700.00} item to me, then I would be willing to pay for it. As soon as I returned the item, the seller threatened me. 

Both items were not what I was promised that I purchased and both returned to seller. When I returned the items to the seller, The seller threatened my life via text message. Police advised me to discontinue talking with seller. 


Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 

The FDCPA require that you honor this request. 

Thank you. 
Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX Department of Consumer Affairs P.s. 2/4 Buyer purchased one ( 1 )  crosshatched piece with understanding that it was from XXXX XXXX and XXXX, & smelled like dirt. 

PayPal said to buyer that Buyer will never see the money again unless I dispute it with my bank, Buyer Places dispute for {$1700.00} out of the {$6200.00}, as this was a duplicate charge. XXXX XXXX XXXX number XXXX PayPal refunded {$1700.00} Bank refunded {$6200.00}. ( they could not take back the {$1700.00} out of the payment ) Problem : No XX/XX/XXXXpapers or dirt smell on artifact. Terpentine smell on cross hatched stone. No sign of age or No sticker marks. 
Bank Tells buyer that is their policy to return the entire amount of disputed payment {$6200.00}. 

PayPal refunded buyer bank for {$1700.00} and bank refunded {$6200.00} XXXX XXXX  Case # XXXX PayPal refunded money {$8000.00} Buyer Returned both the crosshatched piece and head pipe. PayPal tells buyer that I must collect the money from The seller to refund them. PayPal denies that the purchase were for items. PayPal says I will need to file a subpoena for their records. PayPal blocked buyer account. 

Buyer returns both head pipe and tablet ( 2 ) artifacts to seller XX/XX/XXXX Shipping number XXXX Cost for shipping {$100.00} Seller threatens buyer. Seller threatens buyer with physical harm. Seller says he knows someone that owes him a favor and will ring my neck. Police advise buyer to discontinue all correspondence with seller. Police called. 
Case # XXXX +XXXX ( XXXX ) XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX To : # XXXX < # XXXX ; XXXX XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction I am disputing the amount of the transaction. For reasons previously provided. Let me know if anything else is needed. 

-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XX/XX/XXXX EDT Subject : Disputed Transaction XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear Paypal ; I am writing to dispute the {$1700.00} transaction that paypal has sent to XXXX XXXX. 

The transaction was cancelled and item returned to seller. Paypal refunded my money for the item on XX/XX/XXXX. I have returned the item to the seller. The dispute should be collected from the seller, who has the money and the item. Attached is background information regarding the dispute. 

Attached documents should account for the disputed transaction. 

* Payment Paypal Echeck XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX * Payment : Bank Statement showing XX/XX/XXXX {$1700.00} Purchase authorized on XX/XX/XXXX Paypal XXXX CA XXXX Card XXXX * XXXX XXXX resolution letter to transaction claim # XXXX. 

* Refund Bank Statement XX/XX/XXXX XXXX Paypal Transfer XXXX XXXX XXXX XXXX XXXX * Refund XX/XX/XXXX Paypal Hist Rtn {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX proof of delivery to seller XXXX ( both {$1700.00} and {$6200.00} items returned to seller ). 

I believe that paypal contact the seller to get any other funds back as I have returned the items and owe nothing. Please respond and let me know what you need. 

Thank you ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief