Consumer complaint received 2020-11-17
Company: Paypal Holdings, Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had two charges with a XXXX XXXX credit card that have been closed wherein I did not receive the product. In both instances, there were XXXX clients, one a client from paypal where I paid paypal with the XXXX XXXX card and the other a direct charge to XXXX XXXX credit card I have. The two amounts total XXXX which added to my balance also put me in collections due to the rebill of the disputed charge. I did not receive the product I ordered in both instances and requested a valid refund. 
On the first instance, a client of Paypal, XXXX XXXX XXXX, ( email ( provided by paypal through dispute resolution center ), he provided a XXXX  delivery information that they shipped to my mailbox. However, no furnutre was left on the curbside, post office station and it could not have fit inside the mailbox. I never got an invoice for my patio furniture and when I clicked to cart on their website XXXX, it took my information and then it went blank. I did not receive anyting so I filed a claim with paypal and XXXX. Paypal sent me XXXX  of delivery of goods. However no furiture arrived. after looking for the email online XXXX  I found several people in my positon. They said they ordered several things from kitchen goods to furniture to other items and instead they got mailed masks that they did not order. He is listed as a scammer thorugh paypal. Paypal has not been responsive and XXXX  has rebilled the XXXX dollars to me, putting me over my limit and in collections. This is afffecting my credit and putting me in a situation to jeopardize the buying of my home. I have a family and I kept this card and paid on time for years until this XXXX scammer got into the picture who does run his business to scam people with thehelp of paypal. Paypal knows how to contact him but choses to loook the other way. 
The other instance is when I did buy masks from XXXX. They told me that they can not send me masks I ordered because I ordered through a outlet in XXXX and XXXX shipments are stoped by the use back in may. I asked for a refund and did not get it, after a couple months they told me I can use the XXXX bucks to buy other of their goods that I have no use for I want a refund, and also contacted XXXX for a refund. Idid not get the product, why should the seller keep my money. I want a refund for both the charges and also for XXXX XXXX not to punish my credit or cut my car d or close it as it will irrreparably damage my credit. 
Now if capital one is going to close my account for making this complaint, then I will lose the XXXX dollars in order to keep the card open so that I can buy my house. I need to keep my credit good and closing my only card will jeopardize my ability to buy a house for my family, in that case I will consider the mney scammed by this XXXX people as a closing cost but I should not have to pay more for closing a home.

Company response to consumer: Closed with monetary relief