Consumer complaint received 2022-12-30
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX i attempted to purchase a XXXX  off of the XXXX  website I sell online on this platform and people sell items and I tried to purchase a phone for {$500.00}. When I went to purchase I was offered to purchase with paypal in XXXX. I sell on this platform and had just saved all my money from selling I had transfered and direct deposited into my paypal balance from items sold. Immediately everything went wrong. And my order processed through paypal so I thought I purchased rhe phone and ordered it. And noticed it was sold to another buyer and not to me.so I checked my bank account with paypal and I was shocked. They charged me 4 times for XXXX a total of around XXXX. I immediately called paypal and was freaking out. It was supposed to be pay in XXXX. So the total divided into XXXX would be my first initial payment and I set the rest to be charged onto my XXXX XXXX debit card account.which no money ever got withdrawn automatically out of this account I set uo the other payments to be bc the require u to link your bank to be approved for the payment plan. But since this sale didn't go through because the buyer sold to another buyer I find out later on that it was not even sold to me mercari emailed me a letter informing of the refund to original payment which my original payment with initial first amount was supposed to be from my paypal account but then processed I checked ny paypal balance and it charged me everytime and deducted out of my total balance. I attempted to setup this pay in XXXX because the phone I wanted to purchase wasn't going through and wasn't showing up as sold to me on my XXXX app.after I tried XXXX seperate times I noticed it was sold to another buyer. Not me. So I called PayPal and told them what happened. And they assured me that my money would be released back into my account XXXX to 10 days which I was upset about. But after 20 days passed no money was released into my account. And then on XX/XX/XXXX another XXXX was charged another 2 times on top pf the other XXXX for an item I never received and was never refunded the amount mercari emailed me that they had refunded all my money back to my original form of payment which I had arranged through PayPal pay in XXXX to take first payment out of my paypal balance and the next XXXX from my linked bank account. But since the sale was attempted 4 times it was taking the XXXX payment out of the PayPal balance I set up each time to be taken from but since sale not processed the payments we r never taken out of my bank weeks later but never released my refunded funds from this disaster I attempted to purchase the phone I never ended uo recieveijg and am out of a total of XXXX and hours and hours andhours days and days arguing with PayPal blaming ny bank to have me go to them for my money which was not ever involved at all. My paypal balance is the only amount effected and never refunded and is short exactly XXXX and they refuse to give me ny money back after I never even received this phone and deny ever taking any of my money out then denied that it was even ever there and have changed up their story so many different times every time I call its something else and something different never same thing and totally robbed me of nybmoney b I'm not going to let it go its too much I can not afford to lose

Company response to consumer: Closed with explanation