Consumer complaint received 2021-01-21
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My cousin, XXXX XXXX and her fianc, XXXX XXXX were visiting during holiday season, and had come to start a move to XXXX. They had an argument which turned physical. He took her debit card and all her cash and left her in XXXX. Their primary residence was located in XXXX OH. The only option she had for cash was his credit card which she had been using for 18 months to pay business and personal expenses. She had signed receipts with her own name for this period of time and had the pin number to withdraw cash. I started receiving notices from PayPal regarding transfers into my PayPal account. When I looked at my account these were transfers from her, XXXX XXXX. With PayPal I had no control who could make transfers into my account so I withdrew the cash at different ATMs and transferred the balance to my checking account to give to her. There was {$2000.00} left so I transferred it by a PayPal electronic check which was received in XXXX by XXXX XXXX and deposited into their joint checking account She had to purchase a plane ticket to fly back to XXXX  and made XXXX aware she had withdrawn cash off his card. He said that was ok and told her to get on a plane or rent a car however she needed to come home before XXXX XXXX. And that was the end of that story so I thought. 
At the end of XXXX, XXXX I received numerous emails from PayPal regarding the money transfers that occurred in XXXX, XXXX and they charged those to my account because they said the seller had filed fraudulent charges on his credit card transactions. The credit card was issued from his bank but the financial institution guarantee was by XXXX XXXX  in Florida. I contacted PayPal resolution center and provided them all the information I had and their decision was for the seller. I don't know why they referred to her as a seller when this account had been my personal account for many years with no issues. They charged me back a total of {$5500.00} and took a money transfer coming to me of {$290.00}. They even charged me back the {$2000.00} electronic check which was to her account. 
I spoke with and sent proof to a deputy sheriff in XXXX XXXX XXXX, XXXX, but have not heard anything else from him. I sent an email to VP at XXXX XXXX  and had no response, I filed with XXXX  in XXXX  against XXXX XXXX  Case XXXX XXXX and received no help from XXXX XXXX. They said I was not their customer and would not investigate the fraudulent filing of XXXX XXXX regarding the transactions he did not have to pay because XXXX charged back to PayPal which they show a negative balance in my account of {$5200.00} and locked my account.The Fair Credit Billing Act of 1974 states you have 60 days to dispute transactions in writing. Also you can not dispute transactions occurring over 100 miles from your home.All the transactions occurred in Oklahoma. 
At the same time XXXX, XXXX I filed with California XXXX  against PayPal. Case XXXX They also would not give me any relief. 
I have filed claims with DCA in California  XXXX and they responded that this was not in their scope of investigations. They referred me to DFPI of California, XXXX XXXX XXXX XXXX,  PayPal which I already contacted and XXXX which I had also contacted. I filed a claim with XXXX XXXX XXXX and they responded with a referral to XXXX  State Banking Department because they said they did not have jurisdiction. I have been passed from department to department and no-one will help me, they just pass the buck to someone else. This situation has to be in someones jurisdiction. I don't even know where to file a small claims suit against XXXX XXXX for reporting false claims of fraud so he is not responsible for his own expenses. ' This agency is my last hope for some type of resolution of my situation in which I am an innocent victim. I don't know what else to do. PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief