Consumer complaint received 2020-03-27
Company: Paypal Holdings, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, I have been denied for my car lease that is up 2 weeks ago, I have leased with XXXX XXXX XXXX / XXXX XXXX for 19 years and this is my 6th lease. I have had tier one approval - never had to even fill a credit app out and suddenly I go to turn it in and release as always I was told by the same dealership I have gotten all my cars from I wasnt even pre approved and they were in shock. XXXX  has a huge program for loyalty and so I pulled my credit reports and was in utter shock that I have a hard inquiry from you. I have as you know and I have been more time then I ever have on something and I have reached out to you, I have sent emails to your exec committee, I got stalked out of nowhere from some firm that you know of and if you have all of this documented you know exactly what took place and for me to honestly take one more second and write some long email Im instead attaching documentation and you do your job. That company as I told you called me and said they are a boutique firm that partners with you, Paypal and I owe an obscene amount of money and I cant tell you how beyond in shock I was when you owe me over 3K. I told them I do not have a Paypal card. I dont and never have. I have a pay pal account that I havent logged in to since probably 2013 that you use if you buy something online or sell and I couldnt even tell you where to log in or how as I said its a little pay pal account the world has. I told this place I do not have a credit card. I HAD A PREPAID card that I closed in XXXX over a year ago, have the card to this day closed it with you by logging in and said its a fraudulent account because of all of this. Its a prepaid card! You dont do credit checks, you dont do hard or soft inquiries and you told me that, but regardless you dont. I have never opened or owned a credit card from you in my life. You know this, you start having some company contact me and never contact me first? Funny yet sad is that I contacted you first. I myself a normal / lawful person made contact with you when you Are trying to collect something that doesnt exist? And whats worse for you and not me is that not one person replied. You look at my emails ... these are barely 60 % of all documentation I have. Most companies who have real collections want a person to answer the phone and / or call back and people dont return collector calls or rarely yet I called and called and finally decided when your 800 number said they have no clue, then I use your internal email and they dont speak proper English which is what I speak on the phone and make any sense so I looked up people that run your company who should have called me and would assume speak intelligently and I can understand and a few are based in Arizona like 15 minutes away. I said I will come and meet you and bring all of anything I have who wouldnt want that? That company said they have no details other then a credit card I owed money on from years ago. I said for the millionth time I dont have one and I have a pre paid card ... I asked for the manager they literally argues with me ( this random partner ) and repeated themselves and finally I said I will record this call and they got him and he and I spoke for over an hour. I said mail me what you have and he said he didnt have anything and would have to get from you. I said fine do what you do, I have nothing to hide and Im trying to get to the bottom. I start freaking out thinking someone opened a card and charged stuff I couldnt believe what was sent to me XXXX it was some ledger looking thing that had nothing on it. In the mail / I have it and I called you and emailed you and you 100 % said to me you apologize that company should have never called. 

I closed that horrible pre paid card reported the selection as Fraud, and you sent me three cards with emails weekly saying to activate them -I have them. Something is wrong with your company. I left a messsgd for this XXXX one last time and never heard back but his vmails state he will try again and are blocked so I dont know its a call. Blocked dont come as a ring. Call me back? Doesnt leave a number? You read the attachments and all of this. XXXX

Company response to consumer: Closed with monetary relief