Consumer complaint received 2016-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX 2016 I sought to make a purchase on EBay. I agreed to purchase an item through, what is called, a XXXX auction. Unknown to me, all charges associated with the purchase, MUST be included in the XXXX price, which was, {$640.00}. After I agreed to purchase the item, and paid the {$640.00}, the seller informed me, via messages I have already submitted copies to Paypal of, that I had to pay an additional {$120.00}. Not for the item itself, but as a " core charge '' and a shipping label for something I did n't even agree to send back. After confirming with EBay, that this was fraud, I went to Paypal to dispute the transaction, as it was fraud. I did n't definitively categorize it as fraud because I did n't know how they wanted to process it, as it also fit the description of " item not as described '' as the charge was described as required and or necessary when it was not. I called Paypal to ask them about it, I spoke with " XXXX '' on XXXX, and I was told to submit an e-mail, which I did, explaining the situation. Paypal declined to refund my money via their Purchase Protection warranties and promises, claiming, on the website, that I had failed to return the item to the seller even though the seller did n't give me anything for the {$120.00} so there was nothing to return. The seller falsely claims that I have to send him an item of mine, that was n't involved in the EBay transaction at all if I even want {$100.00} back, but wo n't give me the {$120.00} under any circumstances. I explained to PayPal that this was the case on XXXX when I spoke with " XXXX '' and he said Paypal had n't gotten my e-mail. He had me resend it, and send screen shots of the seller demanding I pay more money for the EBay purchase in excess of what I was required to pay, under the guise that I was obligated to do so, so as to pay the " core charge '' and " shipping label ''. Per EBay, those charges should have to be included in the transaction. I even sent Paypal a link to the website for the " Buy it Now '' purchase, so they would know, the full price of the item was only {$640.00}. Paypal, once again, declined my dispute, saying, again, that I had n't returned the " item '', when I had already explained to them that the seller wanted something of mine that was n't even part of the transaction to begin with. On XXXX I spoke with " XXXX '', a Paypal Supervisor, about the matter and explained it to her again. She said that it was never about me not returning the item ( even though that 's what their website told me, specifically, regarding the dispute ), but that it was that Paypal had, of its own volition and without my confirmation or authorization, decided to categorize the {$640.00} payment and the {$120.00} payment as a " split payment '' for XXXX item even though they saw on the original EBay web page that showed that the full charge for the purchase was only {$640.00}. Paypal was claiming, at the time of the phone call, that since they had decided to call it a " split payment '' that I was not entitled to a refund of even {$120.00}. On XXXX, I checked, and Paypal has declined my dispute for a third time, once again, claiming I did n't send my stuff to the seller, literally something that is literally mine and was mine before I even considered making the EBay purchase and was not part of the transaction nor did I ever agree to give to the seller. I contend Paypal has violated its warranties and representations to me regarding buyer protection and the like. They 're jerking me around, making me talk to people on the phone who clearly do n't speak, understand, or comprehend fluent english, lying to me on their webpage about the dynamics of the dispute, and overall cheating me out of my money to their benefit and the benefit of the seller. The Dispute ID is # XXXX. If there was something PayPal thinks I should have done differently, they 've had XXXX chances to tell me so far

Company response to consumer: Closed with monetary relief