Consumer complaint received 2021-11-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Today Monday, XX/XX/XXXX, @ approx XXXX XXXX We received a call from a Tia from PayPal Executive Escalation whom we have been communicating with regarding the fraudulent application submitted without our knowledge or consent by PayPal. We told XXXX that the call is being recorded and she said that is fine and she apologized for ending our last call after we told her the call was being recorded. She stated that she had not done this in a long time and did not know the procedures. I began to explain to XXXX that we received an email recently from PayPal requesting our customer 's date of birth. I explained that this is a security risk and we are not authorized to disclose our customer 's date of birth as this data was not used to make the purchase. I explained that PayPal can cancel the Transaction as we will not be disclosing our customer 's date of birth as we are not authorized to do so and XXXX stated in a very condescending and arrogant tone as if like a gangster, " We wont cancel the transaction, someone is going to have to give up that information or the transaction will remain '' as if to try to intimidate and conspire to incriminate us or even our customer. XXXX became belligerent, arrogant, and condescending and she is a XXXX employee. I am a XXXX  and she displayed complete disregard for this fact. I ended the call and explained that I will be filing another complaint with the CFPB because XXXX also stated and admitted that she realized that after we received the 5 emails indicating that our application for Advanced Credit Card processing was declined was a COMPUTER GLITCH. We NEVER submitted an application for this product and we discovered d that Paypal had been previously found guilty and fined for doing this exact thing in XXXX by the CFPB. We believe this is happening again and has happened to us. WE NEVER SUBMITTED ANY APPLICATION FOR THESE PRODUCTS. SOMEONE AT PAYPAL, FRAUDULENT DID AFTER 1 WEEK PRIOR FLAGGING OUR ACCOUNT AND REQUESTING OUR CORPORATE DOCUMENTS WHICH IS REQUIRED FOR CREDIT APPLICATIONS! After we compiled and submitted our corporate documents, began receiving emails for declined credit applications that we did not submit one week later. Now XXXX and her XXXX co-conspirators at PayPal are trying to clean up isle 1 for the mess they made. We are XXXX XXXX and XXXX and we know the financial procedure, compliance, risk management, and fraud prevention. We spotted this fraud through the 5 declined application emails, brought it to PayPals attention, got mistreated by XXXX, XXXX, and XXXX. XXXX even sent us an email stating with confidence that WE in fact submitted these applications which is fasle. Right receiving this email from XXXX, we received yet another and the 5th declined application email.XXXX calls us this morning and interrupts our XXXX, insulted and interrupted me while I was speaking on the phone, and tried to downplay the computer glitch that is clearly a result of gross negligence on the part of PayPal. We believe several violations of Federal & State laws have been violated here and we would like to have all of these complaints submitted to the Department of Justice for investigation. We will fully cooperate with all agencies in the investigation and prosecution of those at PayPal involved. Again, PayPal was exposed and fined for this exact same behavior in XXXX and we believed we are the victims of these nefarious acts here in XXXX. We have prepared affidavits to support all claims and crimes committed in cluding a sworn Federal Criminal Complaint naming PayPal, its CEO, XXXX, XXXX and XXXX, and whoever submitted an application for credit without our knowledge and consent one week after manipulating their system and our ACCOUNT to obtain our corporate document, EIN confirmation letter, and personal documents. We are also preparing an identity theft affidavit as we believe our information has been compromised by this situation. We would also like to report that PayPal should NOT be asking for our CUSTOMER 's date of birth as this is a red flag and the primary data point used by identity thieves. 

Reference XXXX fraudulent activity by PayPal XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief