Consumer complaint received 2015-05-27
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX XXXX XXXX and I am reaching out to you regarding a PayPal transaction dated XXXX XXXX, 2015. This transaction was in connection with a motorcycle that I sold. I am an XXXX veteran and a XXXX in the XXXX XXXX. 

On XXXX XXXX, 2015, I listed a XXXX Kawasaki Ninja for sale on eBay. The terms of the listing agreement were : the buyer would be responsible for vehicle pick-up, deposit of {$1000.00} XXXX within XXXX hours of the close of the auction, and {$1900.00} USD within 7 days of the close of the auction. On XXXX XXXX, 2015, I received a notification from eBay that XXXX XXXX XXXX had bought the XXXX Kawasaki Ninja ( license number : XXXX and VIN : XXXX ) for the full amount listed ( {$2900.00} ). XXXX XXXX sent {$1000.00} within an hour after the purchase and then {$2000.00} a few hours later. Both transactions were done using PayPal. 

On XXXX XXXX, 2015, XXXX XXXX emailed me his phone number so I could contact him to make arrangements for him to pick up the motorcycle. I called XXXX XXXX on XXXX XXXX, 2015, and he told me that his address was XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is 30 minutes away from my location. XXXX XXXX advised that he would pick up the motorcycle at my house. XXXX XXXX picked up the motorcycle and title document on XXXX XXXX, 2015 at XXXX at my residence, XXXX XXXX, # XXXX, XXXX, CA XXXX. On XXXX XXXX, 2015 I called XXXX XXXX and left a voicemail to make sure he made it back to XXXX safely and he responded by text that he already sold the bike to someone else. 
On XXXX XXXX, 2015 I filed a transfer of liability with the DMV to advise that XXXX XXXX purchased the motorcycle. 

On XXXX XXXX, 2015 I received a call from PayPal stating that XXXX XXXX claimed that he did not authorize the credit card transaction and was requesting a chargeback. On XXXX XXXX, 2015, PayPal advised that they disputed the chargeback with XXXX XXXX 's credit card company who had decided in the buyer 's favor. PayPal then advised me that I would be responsible for paying back {$3000.00} USD plus a {$40.00} fee. 

XXXX XXXX took the motorcycle into his possession on XXXX XXXX, 2015. He should be responsible for paying for the motorcycle under the terms stated in the listing agreement. I upheld my duty under the purchase agreement to surrender possession of the motorcycle to XXXX XXXX, so I am entitled to the purchase money listed in the purchase agreement. 

I have provided PayPal with all of the texts XXXX XXXX and I exchanged leading up to and after XXXX XXXX picked up the motorcycle, the transfer of liability that I filed with DMV, and the police report I filed with XXXX Police Department. I have contacted PayPal XXXX a week since XXXX XXXX to resolve the issue. They told me they filed a dispute with the Credit Card company but refused to send me any proof of the decision that was made. I 've also emailed the CEO to resolve the issue, and the account-review representative stated that the transaction was not covered under the Seller Protection Policy. 

PayPal 's User Agreement, Section XXXX, states that vehicles, including motorcycles, are not eligible for reimbursement under PayPal Purchase Protection. PayPal violates its own User Agreement and has refused to take any legal or financial action against the buyer to pay for the transaction through other means, but instead sent my account to collections. 

I will be filing a civil lawsuit against PayPal if they do n't resolve this matter right away. I am asking that PayPal clear the {$3000.00} negative balance on my account and pursue XXXX XXXX for the money he owes. 
Thank you for your anticipated assistance in resolving this matter. I trust that you will investigate the situation and ensure that a member of the XXXX XXXX is not defrauded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation