Consumer complaint received 2020-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I had file 4 disputes with Pay Pal ( PP ) for charges to a vendor that occurred on XX/XX/20 disputes were filed on XX/XX/20 as follows {$25.00} XXXX {$200.00} XXXX $ XXXX $ XXXX XXXX Im disputing the charges for two reason : 1 ) Item not received /Non-performance. 
2 ) Wrong name associated with the charges On XX/XX/20 Pay Pal settled the {$25.00} dispute in my favor and returned funds however they deactivate my account and send an email : Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied ( How do you pull protection on items previously transacted? I could see that happening going forward, but it can't be applied retroactively especially while engaged in disputes ) especially when they have already decided one of the disputes in my favor.. 

This made it impossible to continue to communicate with them on the remaining disputes. I then had to file a complaint with my Bank for the charges At my instances, Pay Pal restored my account but limited my account so that I couldn't use the online chat features or read messages in my inbox. Making it almost impossible to send documentation to support my claims or communicate with them. 

After I file the claims with my bank on XX/XX/20 I received emails on XX/XX/20 for 2 of the 3 remaining disputes : {$200.00} XXXX {$270.00} XXXX You sent me an email : stating : We Can't Investigate or Decide This Case You filed this dispute with your financial institution or credit card company, and not with PayPal. We can't provide additional details or updates on this claim because we don't have access to your financial institution 's investigation details. 
Please Contact Your Financial Institution You will need to contact your financial institution or credit card company directly for additional information and final resolution on this claim. If you want to cancel this claim you will also need to contact your financial institution directly ( clicking Cancel case in the PayPal Resolution Center won't cancel the claim with your bank or credit card company ). " But no such email for the $ XXXX=XXXX despite the fact that the XXXX XXXX claims were all done on XXXX the day PP deleted my account. 
Thus, dragging out the process. 

I don't know how they decide that only 2 of 3 disputes were no longer going to investigate by them and then decided on XXXX in my favor on the {$200.00} XXXX ( the 1 they missed or sloppily forgot ) Compliance and consistency, please!!!!! For crying out loud Pay Pal is in Financial Industry. I assume they have some regulations and requirements that need to adhere too.. 

If PP can decide in my favor for 2 of the 4 disputes by XXXX and then on XXXX decided on 1 of the remaining of the 3 disputes. PP should be able to do the same for the other 2 as the facts and details surrounding them are the same. 

By refusing to further investigate Pay Pal is either deliberately stalling or dragging out the processor is acting in a willful negligent manner with malicious malice intent to delay closure on the issues. 

Pay Pal can't create situations that inhibit my ability to seek resolution. 
Further exacerbating the situation by hiding behind a policy that places the responsibly back on my Bank to investigate. While at the same time violating their own policy and rendering decisions on a similar related issue. 

Since 2 of the 4 have been decided there is no reason why the other 2 issues remain open and delayed of closure when there is no deviation in the facts surrounding all of the charges. 

As soon as this gets settled Pay Pal and I will be parting ways