Consumer complaint received 2015-07-09
Company: Paypal Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. 
The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. 
To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. 
Click " Add Funds '' at the top of the page. 
Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. 
If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. 
Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. 
Sincerely, Risk OperationsPayPal

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