Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IN)

PayPal has denied my thousands of dollars of fraud claims despite undeniable, clear evidence that a criminal credit card thief authorized the charges after stealing my card information. 

advertises that it is the safety way to pay On XX/XX/XXXX, I contacted PayPal because approximately 180 fraudulent charges for approximately {$3800.00} began appearing on my account, authorized by a person named XXXX XXXX XXXX. As of Thursday, XX/XX/XXXX, a PayPal representative has informed me that PayPal has determined that the payments authorized by XXXX XXXX XXXX were authorized by me, XXXX XXXX. 

I have provided PayPal with clear, and undeniable proof that I did not, and could not have made these purchases. I have informed PayPal that I did not authorize, and do not authorize these purchases. I provided PayPal with clear, and undeniable proof that these purchases were made by XXXX XXXX XXXX. 

I am not XXXX XXXX XXXX, I do not know this person, have never met this person, have no relation to this person, and this person is not an authorized user of my PayPal account. No previous purchases by XXXX XXXX XXXX ever occurred on my bills. 

Around 140 of these charges appeared AFTER I contacted PayPal to alert them that my card was stolen, and to cancel any additional charges. They continued to approve about 140 charges AFTER I canceled the card and reported it stolen. 

At that time, I provided paypal with undeniable, and verifiable proof that these purchases were made under the name XXXX XXXX XXXX, including : 1. Boarding passes for two plane tickets she purchased by XXXX XXXX XXXX using my PayPal card. 
2. Payments made to the XXXX XXXX XXXX, where I have not visited or lived, or ever made previous purchases. 
3. An email from XXXX stating that I, XXXX XXXX, do not have an account and could not authorize XXXX purchases. XXXX representative agreed to cooperate with PayPal to prove that I did not authorize these payments. 
4. These purchases were made overseas and an overseas processing fee was charged by PayPal, and PayPal ALSO has proof that I was continuing to make physical purchases from within the United States at that time, making it clear that I could not have made these purchases. 
5. I provided PayPal with clear proof that XXXX XXXX XXXX was also in possession of other stolen credit cards under different names, showing without question that she was involved in stealing credit card information and using it. 

I have now spent hours on the phone with PayPal representatives, who have given me confusing, contradictory information. Early on representatives reviewed the undeniable strength of my claims and ASSURED me that my money would be returned. Only to now be told that PayPal has denied all my claims and there is no more appeal process. 

PayPal deactivated my ability to report fraudulent claims after I first contacted them, so I am entirely reliant on PayPal representatives to file complaints. Representatives on 3 occasions assured me they would file complaints on all these cases, but only 150 claims were ever filed. I can not file the additional 40 cases myself because PayPal deactivated my ability to even report fraud.