Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

At some point between XX/XX/year> and XX/XX/year>, my PayPal account received an two unauthorized charges for an attempted " XXXX EUR '' each. The resulting conversion would be {$1100.00} USD. The second charge never went through as I didn't have enough money in my bank account for the second charge to go through. The supposed company is named " XXXX XXXX XXXX XXXX '' and the charge was for " XXXX XXXX XXXX'. Their website is : XXXX XXXX XXXX The charge ( s ) came via the Automatic Payment system on PayPal which I had no idea existed until this happened. I've never even used it.

Upon waking up, I immediately contacted the Security & Fraud team at XXXX XXXX XXXXXXXX and filed a claim right away. She explained that it happened so easily because I had my bank account connected to my PayPal instead of just my card, which would've made it easier to get the money back. Whether by ignorance or error, she filed the claim for {$2200.00}, which was what the aforementioned XXXX XXXX XXXX XXXXXXXX originally tried to take. What was ACTUALLY taken was the {$1100.00} USD. This error caused the claim to be closed. This isn't the issue anymore. Just wanted to share the backstory to this situation. 

I've since closed the issue with the bank and I've gotten my money back from XXXX XXXX XXXXXXXX, I've since left XXXX XXXX XXXXXXXX and moved to XXXX. However, the one issue I still have is that I have negative balance on PayPal because of the chargeback. I've called twice, sent to different people ( one of which being someone completely foreign/spoke little XXXX. ) before eventually being hung up on both times. Both calls were approximately 20-40 ( give or take, wasn't exactly watching. ) minutes. Calls took place on Monday, on the XXXX of XXXX ( of XXXX, for the sake of clarity. ) Why should I be forced to resolve a negative payment for something I never had any control over? Granted, I should've been a bit more vigilante once I saw the charge on the Automatic Payment, but I thought it was probably a scam. I've had random invoices appear out of nowhere and nothing ever came of them. I thought it was a similar thing to that. 

They're the ones who pulled the money from my bank account without ever notifying me or giving me a chance to stop it. They don't even have a setting to turn Automatic Payments off. This has historically been a problem, and they've been shown to do absolutely nothing. Here 's a similar example of what happened to me, though with much smaller amounts : XXXX XXXX XXXX Now I've got the threat of losing my PayPal account XXXX which is a major payment source for me, for something that wasn't even my fault. I'd be happy to show my financial records. This has never happened before, and I shouldn't be treated like I'M the criminal here.

I certainly refuse to be offloaded onto debt collectors for something they should've at least paused/held until there was confirmation that I'd approved the transaction. This is a failure on all three levels, including my own naivety.