Consumer complaint received 2017-04-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (GA)

I was n't sure if this should be filed under the " Other financial service '' or " Bank account or service '' category, but I called and was told that perhaps this category was best due to being a form of " mobile wallet '' related issue. 

The purpose of this complaint goes beyond the specifics of PayPal Case ID XXXX and PayPal Case ID XXXX. Based on my experience, frustration, and now hours spent dealing with these cases, I have serious concerns about how PayPal is handling these types of cases. 

In particular, there is apparent lack of proper investigation, all while PayPal appears to be taking a hands-off approach, if not being partially complicit, as eBay Buyers ( in these two cases ) appear to have blatantly perpetrated fraud against the Seller ( me ). The Buyers bypassed and avoided interaction or communication with eBay, PayPal, or the Seller ( me ), instead going direct to their bank, which has vested interest in keeping their customer ( the Buyer ) happy and not necessarily the vested interest or motivation to do any serious investigation into the purported claims of their customer ( the Buyer ). Of course, the bank in these cases has no vested interest necessarily in determining whether the Seller ( me ) is being taken advantage of as a result of the " loop hole '' the Buyer is exploiting. The " loop hole '' being that they are buying digital items that are not necessarily something you can or would physically ship, but that are being purchased using PayPal funds, apparently using a credit/debit card as the funding source, allowing the Buyer to then bypass eBay, PayPal, and the Seller ( me ) and dispute directly with their bank. Based on what I have now seen clearly in the last 45 days, this type of situation leaves a Seller at the mercy of PayPal, hoping and needing for them to do a proper investigation, which does NOT seem to be taking place, as well as passing on the evidence and results of that investigation to the bank, which seems to be the party really in control. As a result of the bank seemingly dictacting to PayPal and PayPal acquiescing to the decision of the bank, PayPal is at fault for not defending the Seller, which can not defend him/herself. 

To be clear, as should be obvious, neither a Buyer or Seller should be protected or defended if there seems to be ample evidence to show/prove that the Buyer/Seller failed to " keep their end of the bargain '' and/or is taking advantage of the other party. 

Let 's look briefly at my XXXX recent cases. I will the intricate detail I already provided directly to PayPal due to limited space and redundancy. 

PayPal Case ID XXXX -- I provided to PayPal reasonable evidence to demonstrate C. Bridges had received what he purchased and used one of the codes. I have no reason to believe PayPal did a proper investigation, including working with XXXX or XXXX to verify the email exchange, working with eBay, or verifying with XXXX to confirm the information I provided. What did PayPal provide to XXXX XXXX ' bank? 

PayPal Case ID XXXX -- Despite XXXX XXXX communicating back and forth with me using eBay 's messaging system to get help and even later giving me positive feedback on eBay for the purchase, PayPal allows the bank to push through a chargeback for a charge " not recognized ''. Did PayPal even work with eBay to verify the Buyer/Seller communication and positive feedback the Buyer gave me for the purchase? 

We need to be smart and use our brains here. In both of these cases, how likely is it that eBay, PayPal, and email accounts were all hacked? If the Buyers are n't lying, then what other explanation is there? Was it a family member using their accounts without their knowledge?