Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (KY)

I paid my PayPal account to a contractor on XX/XX/2023. The XXXX contacted me back stating that was the wrong email address I sent the funds over to him for payment and that I should cancel the PayPal which I did and get my refund. I received a refund back on XX/XX/XXXX back on my XXXX XXXX of {$100.00} There was a server glitch causing the refund of {$100.00} to be yanked out of my account backed to PayPal. I contacted XXXX XXXX and they told me to contact PayPal, I contacted PayPal and they told me there was nothing they could do, to contact my bank and forward their email with a transaction number they provided. I contacted XXXX XXXX and had to dispute the transaction and got the refund back with a provisional credit of {$100.00}, on XX/XX/XXXX, plus I forwarded the email PayPal sent me under secured documents to XXXX XXXX for the payment disputes team. Later on, my XXXX XXXX XXXX got closed due to fraud over a non PayPal transaction. Since PayPal tried on take money away on my closed debit card on XX/XX/2023, the transaction didn't go through and PayPal decided to go through with the transaction. They put my PayPal account in the red and my PayPal account now shows a negative balance of - {$200.00}. On XX/XX/XXXX, I contacted PayPal and was put on hold over 2 hours, kept getting transferred to different agents who were not able to help me. I asked to speak with a manager and the manager was not able to help me. I told them the dispute to PayPal was over 2 months old and no one looked at it and she was like, " Let me put a request in. Someone will get back to you within 48 hours. '' No one never called me back or send me a email. I sent another email to PayPal customer service the same way and kept getting the runaround, " Someone will respond to your email within 5 to 10 days. '' No one never gotten back with there also by email and I filed a complaint against PayPal with the BBB, but nothing happened. On XX/XX/2023, I got another email from PayPal again, but this time from the collections department of PayPal attempting to collect a debt over that same transaction due to PayPal customer service failures and failing to resolve my issue. PayPal let me down here. I called their collections department with the phone number on the email and the agent named XXXX was very rude to me and very unprofessional. XXXX used some scare tactics, I told her that I didn't owe that amount due to a system glitch over the refund and wanted to dispute it, I already filed a complaint with the BBB and called PayPal already to dispute and XXXX, the collections agent didn't care and continued to use scare tactics. She yelled at me on the phone, " I want to get paid now! '' After I told her that I didn't owe the debt and there was a system glitch going on over the transaction and I am dispute the transaction. I asked XXXX the collections agent at PayPal a mailing address where to send documents to support my case on the dispute and I was refused a mailing address where to send the documents to by US Mail, " We don have a mailing address! It has to go through by email! '' They continued behavior and negligence from PayPal customer service over disputes not okay, seems like PayPal is trying to punish me and blame me over a server transaction glitch and act like it's my fault, even though my bank statements is showing that I received the refund and I am not responsible for the negative - {$200.00} showing on my bank statements. I contacted XXXX XXXX again and they told me to contact PayPal again and the Service Request to PayPal # XXXX and Claim # XXXX, plus I mailed a correspondence letter to XXXX XXXX with supporting documents since PayPal does not have a general correspondence mailing address.