Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

XX/XX/year>, I ordered a marketing service for {$690.00}. The company was called XXXX XXXX. It was a fake. The service was supposed to be ongoing also. I haven't heard from them since XX/XX/year>. They said I could try it for 30 days and if I wasn't satisfied I could get my money back. I called them to get my money back. They kept saying I had to use it for 6 months. I said I didn't want to and they said I had to use it get my money back. So I disputed the amount with Paypal. This was in XX/XX/year>. I then contacted them again and they said, I had to close the dispute in order to get a full refund. Otherwise, they would fight the dispute. Paypal told me if I closed the dispute, I couldn't get my money back. So I let them know that and they still refused UNLESS, I closed the dispute. This isn't fair. This is also a form of retaliation and just causes me to have to pay for something even though I didn't get anything out of it. How can they give me an ultimatum on my refund and then be free from even doing what they promise? Well, I thought this had been handled, but no. Saturday, XX/XX/year> ( 4 months later ), around XXXX, I get an alert that {$690.00} was taken out of my XXXX XXXX . I was confused because I didn't order anything for {$690.00}. It was Paypal. They took this money out of my account to give to this company XXXX XXXX merchant. Apparently, Paypal has denied my claim and I had no idea. I got no heads up, no response, and banks were closed at this time. 
I tried to call XXXX XXXX when they opened Monday, XX/XX/year>. They were all rude, and they said I can't dispute this charge because they denied it. I don't remember making a dispute with them about this. I made a dispute with Paypal. If I did, why didn't I receive anything in writing? I'm tired of these people playing with my money and personal information like that. That bank can't tell me anything about what they are talking about and refuse to allow me to dispute or appeal any wrong decisions about my money. The lady who was supposed to be a supervisor couldn't give me any information about why and why I can't dispute or appeal this charge. They are rude and they have all of this personal information about my money. This is so unfair and is causing me a lot of stress. I'M so tired of these banking organizations having access to my money and not protecting it, allowing me to get scammed and also refusing to allow me my rights. Paypal was the one who told me I should call the bank to do the dispute when I called them Saturday XX/XX/year>. Paypal just takes anything these sellers give to say they completed a service. I did not receive the service. I am not receiving the service, and I NEED my money back. They keep saying I need to ask the merchant. You think this merchant is going to gibe me my money back after these banks denied my claim for some reason that I don't know. I would have to go through the trouble of suing them. I do not trust these banking companies and I should have a right to appeal or dispute these scam charges. I don't have money to just give away to someone and get nothing in return. I dont want to be making donations to these scam companies. XXXX doesn't respect me as a customer or respect my money. They don't protect the consumers and Paypal doesn't either. If the company said i get a refund. Why don't Paypal just return my money? They only wanted to give me a refund if I closed the dispute, which isn't fair, because I can't open it back up if they renege.