Consumer complaint received 2020-04-10
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern, My name is XXXX XXXX I currently hold an account with the paypal On XX/XX/XXXX I checked my paypal account and it said i was negative - {$300.00} I called paypal up and spoke to an agent she advised me that on the XXXX of XXXX paypal received a withdrawal from a consumer stating someone bought a product from me, I had advised the consultant I don't own a business to have sold any product to anyone I then advised her I wanted to dispute this transaction and she advised she would look into it for me About a couple weeks after this I tried to use my paypal card and noticed my account had been blocked, I reached out to paypal and was advised I could only contact then via live chat due to the corona pandemic, they were investigating my account and needed the accurate documentation in order to get my account up and running again, which included a statement of my chime card which is attached to my paypal, reset my password, photo ID, and a copy of my credit card, which I had advised them on many occasions I did not have one, they also advised me as soon as I uploaded all the necessary information they would unlock my account As of XX/XX/XXXX I had spoken with an agent named XXXX who advised me the {$300.00} had been placed back in my account and I was no longer negative, I also asked him when i would have access to my {$110.00} he advised me as soon as I uploaded a bank statement from XXXX  my account I will be good to go Today XX/XX/XXXX I went into my paypal and had seen my account was yet again - {$300.00} and my hard earned money was sent to ( XXXX XXXX ) I have been on there live chat system since XXXX to XXXX i spoke with XXXX from the Limitations Department he advised me ( There isn't protection for a payment that is received as a personal payment. 
We can not control the fact when a payment is sent to you and the merchant or the individual chose to dispute then we stop it. 
The merchant did contact her financial institution directly not PayPal to dispute the transaction. 
It shows that you received the payment from XXXX and " XXXX disputed the transaction with her financial institution. However ; It show that you lost the case was against your paypal account. ) I also recieved an email from paypal advising Hello XXXX XXXX, Your buyer 's financial institution has informed us that the following case has been decided in the buyer 's favor. 
Here are the case details : Case ID : XXXX Buyer 's name : XXXX XXXXXXXX XXXX   email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$300.00} USD Disputed amount : {$300.00} USD We understand that you may not have been expecting this chargeback. If this debit has made your PayPal account balance to go negative, please log in to your PayPal account and add money to your balance. 
Thank you for your patience during this process. We appreciate your business. 
You can find additional information and tips about buying and selling safely on our XXXX XXXX XXXX. 
Thanks, While on live chat I had advised paypal agent XXXX and advised him on what happened he did not care what I had to say, I advised him if i could speak to someone else a supervisor or a senior to get this resolved as I advised him I had an illegal transaction came out of my account in XX/XX/XXXX and now in XX/XX/XXXX I have the same people who stole money out of my account request a refund and in total i have lost {$600.00} to scammers, XXXX advised me he would keep the thread open and if I had any more questions he would assist me, i sent at least 5 massive paragraphs and got no reply I have done my own research about this case, on XX/XX/XXXX the transaction come up as a negative - {$300.00} and then in XXXX the status was changed to + {$300.00} from XXXX which makes paypal think that the person put the funds back in my account which did not happen at all then, on XX/XX/XXXX I seen an amount for - {$520.00} from XXXX XXXX for flights and accommodation and I had seen a credit card added to my account which I kept advising paypal that is not my credit card and how do i go about removing it, as earlier that day I changed my password as I felt my account had been hacked, now XX/XX/XXXX the account is sitting again - {$300.00} again and I find this whole situation completely frustrating that no one has even bothered to investigate any of this and have straight away sided with the scammer and given them {$600.00} in total I feel compliance and my privacy has been completely broken and don't have any trust in banks In the time that all this occurred I had my family and friends and clients from all over the world send me money to assist me in this pandemic XXXX deposits while my account was negative XX/XX/XXXX $ 15+, from XXXX XXXX XXXX on the same day the XXXX of XXXX a $ XXXX from XXXX XXXX , then XX/XX/XXXX for $ 65+ XXXX XXXX which was added to the negative Deposits from friends during epidemic XX/XX/XXXX XXXX XXXX sent me {$55.00} and XXXX XXXX for {$3.00} XXXX of XXXX XXXX XXXX for {$25.00} Paypal cash card transfer XX/XX/XXXX paypal cash card {$20.00} then {$8.00} from th paypal cash card on the same day {$240.00} in total was deposited in my account to help me out with the pandemic, I have lost {$840.00} in a blink of an eye and I'm seeking justice In the time that this has all occured my phone has been d/c due to not having access to my paypal during a pandemic If someone can pplease reach out to me either by my number XXXX XXXX XXXX XXXX if my number is still d/c due to paypal not allowing me access to my account please email on either XXXX or XXXX Thank You Kindly Have a Blessed Day XXXX

Company response to consumer: Closed with explanation