Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

This is a fraud complaint against PayPal Inc.

PayPal INC. is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Ph. ( XXXX ) XXXX & ( XXXX ) XXXX Defendant has a money transmitter license in Washington State that is current and renewed through XXXX. PayPal INC. is subject to regulation by the Washington Department of Financial Institutions. 
( XXXX ) On XX/XX/XXXX, while checking my PayPal account, I found an unauthorized charge in the amount of {$9.00} dated XXXX the XXXX, XXXX. I checked my bank account and found that the bank completed the transaction on the XXXX of XX/XX/XXXX ( Exhibit # 1 Page 2 ). 
( XXXX ) I then filed an unauthorized charge claim with PayPal ; at XXXX XXXX, XX/XX/XXXX, I received a fraudulent email from PayPal ( Exhibit 1 Page 3 ) acknowledging receipt of a claim with a transaction ID that is different from the transaction ID in the XX/XX/XXXX authorization : Exhibit # 1 Page 3 represents acknowledgement of a claim with transaction ID # XXXX and Exhibit 1 Page 8 represents the fraudulent authorization with transaction ID # XXXX ; both transaction IDs are for the same {$9.00} unauthorized charge that the Bank completed on XX/XX/XXXX. The email is fraudulent because the transaction ID number in the claim acknowledgement email is different from the transaction ID in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. 
( XXXX ) One minute after receiving the fraudulent claim acknowledgement email in exhibit 1 page 3, I received another email from PayPal forcing me to change my password ( Exhibit 1 Page 4 ). 
( XXXX ) At XXXX XXXX, XX/XX/XXXX, only four hours after sending the confirmation of their receipt of the unauthorized charge claim in exhibit 1 page 3, PayPal sent me another fraudulent email saying they denied the unauthorized charge claim ( Exhibit 1 Page 5 ). Both emails are fraudulent because the transaction ID number in the claim acknowledgement email in Exhibit 1 Page 3 and the denial of same in Exhibit 1 Page 5 are for a transaction ID ( # XXXX ) that is different from the transaction ID ( # XXXX ) in the fraudulent authorization of the XXXX of XX/XX/XXXX charge that I contested in the claim. 
( XXXX ) At XXXX XXXX, XX/XX/XXXX, PayPal sent me another fraudulent email including a fraudulent XXXX tracking claiming that XXXX shipped me something ( Exhibit 1 Page 6 ) ; this is fraudulent because I didnt buy anything from XXXX and I wasnt expecting any shipments from XXXX XXXX The email contained a fraudulent tracking number which, according to XXXX website, doesnt exist ( Exhibit 1 Page 7 ). The email is also fraudulent because I didnt purchase any merchandise from XXXX or any other seller for that dollar amount on XX/XX/XXXX. There are two more fraudulent features about this email : ( i ) Its title says more information about your shipment when there was never any email sent before it about any shipments corresponding to this unauthorized charge ( ii ) in legitimate purchases, it is the seller not PAYPAL that sends customers the tracking number but in that case PAYPAL took it upon itself to provide the tracking information without any communication from any seller prior to that about purchase or shipment related to the XX/XX/XXXX unauthorized charge. 
( XXXX ) When I checked the XXXX tracking that PayPal provided in XXXX parcels and packages, I get a message saying that the tracking number is not found ( Exhibit 1 Page 7 ). 
( XXXX ) I never received any shipments from XXXX or PayPal with this very strange tracking. I didnt order anything from XXXX or anybody for {$9.00} on that date nor did I authorize this payment. Neither PayPal nor any seller sent any information about a purchase for that amount on XX/XX/XXXX. PayPal never mentioned anywhere in its multiple fraudulent emails what the merchandise is. 
( XXXX ) I searched my email for any communication about a transaction dated XX/XX/XXXX ; I found no communications from XXXX about any purchase on XX/XX/XXXX. I didnt buy anything from anybody on XX/XX/XXXX, XXXX the amount of {$9.00} and I didnt authorize a {$9.00} payment to anybody on XX/XX/XXXX. I found a fraudulent authorization email from PayPal that doesnt have a corresponding purchase notification form XXXX or any other seller ; the fraudulent XXXX of XX/XX/XXXX email from PAYPAL just says that a payment was authorized ; in it, PAYPAL doesnt mention the reason for or the amount of the authorization ( Exhibit XXXX Page XXXX ). 
( XXXX ) When you compare Exhibit 1 Page 2 which represents what the charge looked like in my bank account to the authorization sent to me ( Exhibit 1 Page 8 ) about the same charge on XX/XX/XXXX, you see that the information that PAYPAL gave the Bank regarding the XXXX of XX/XX/XXXX charge is very different from what they emailed me on XX/XX/XXXX, XXXX the authorization ; the authorization email sent to me doesnt indicate the mount of or the reason for the authorization and doesnt mention any merchandise ; however, the charge to the bank indicated a specific amount and mentioned a merchandise. 
( XXXX ) None of the fraudulent emails that PayPal sent me ( Exhibit 1 Pages 3,5, 6 & 8 & 11 ) say what the merchandise is. 
( XXXX ) The transaction ID, # XXXX, in the XX/XX/XXXX XXXXauthorization email from PayPal ( Exhibit # 1 Page 8 ) is different from the transaction ID, # XXXX, PayPal sent me in its acknowledgement of the claim contesting the same XXXX of XXXX unauthorized charge ( Exhibit 1Page 3 ). 
( XXXX ) PayPal sent me another fraudulent email on XX/XX/XXXX, entitled Your PayPal case : XXXX case denied ; that email is fraudulent because ( i ) in it, they say that they denied a claim with an ID # XXXX ( Exhibit XXXX Page XXXX ) which, is different from the claim ID ( XXXX ) in the acknowledgement ( Exhibit XXXX Page XXXX ) ; ( ii ) they assigned the claim the ID # XXXX which is different from the one they assigned it when they denied it on XX/XX/XXXX ( # XXXX ) ; ( iii ) it is also fraudulent because the two claim numbers XXXX & XXXX were assigned to a transaction with ID with # XXXX which is not the transaction ID of the unauthorized charge that Plaintiff filed the unauthorized charge claim about ; the charge authorization that was sent to me on XX/XX/XXXX had transaction ID # XXXX ; ( iv ) it is also fraudulent because they assigned transaction ID # XXXX two claim IDs : One on XXXX of XX/XX/XXXX ( # XXXX ) and a different one on XX/XX/XXXX ( # XXXX ) even though no appeal could have been possibly undertaken because it was not an option on PayPal website; ( v ) it is also fraudulent because in Exhibit 1 Page 10 that is dated XX/XX/XXXX you can see that the case was already closed on the XXXX of XX/XX/XXXX.