Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Beginning on XX/XX/XXXX, a number of my accounts were victim to a large number of unauthorized transactions. 

My following accounts were victimized : - *XXXX XXXX XXXX credit card account ( charges occurred on XX/XX/XXXX ) - XXXX XXXX  credit card account ( charges occurred on XX/XX/XXXX ) - XXXX XXXX XXXX  checking account XXXX charges occurred on XX/XX/XXXX ) - *XXXX XXXX XXXX  savings account ( charges occurred XX/XX/XXXX - XX/XX/XXXX ) - additional charges to my PayPal account itself, making my PayPal account negative *Please see associated transaction history reports attached to this claim. 

All of these unauthorized transactions occurred in the amount of either {$0.00} or {$4.00}. 
The charges on my XXXX XXXXards were listed as the merchant " XXXX XXXX  '', while the charges on my XXXX XXXX accounts were listed as either " PAYPAL / XXXX XXXX XXXX XXXX  or " PAYPAL / XXXX XXXX XXXX XXXX XXXX 

I initially filed a dispute with PayPal in XX/XX/XXXX. The initial determination from PayPal was that there was no unauthorized use since the payments allegedly came from XXXX, and I'd previously had a billing agreement with them. However, I did not authorize these transactions, nor do they appear on my XXXX XXXX account, further proving I did not authorize them. After this initial determination from PayPal, the billing agreement between PayPal and XXXX was severed - per my request- on XX/XX/XXXX. 

It was also determined during this initial dispute that Two Factor Authentication ( 2-FA ) had been authorized on my PayPal account by someone other than myself ; this is proven by the fact that the phone number associated with that 2-FA did not in fact belong to me. Given the fact that the 2-FA was setup by someone other than myself, and the additional fact that no one else has access to nor authority to access any of my accounts, I feel this fully demonstrates that the charges on these accounts were unauthorized. 

Additionally, since I originally filed the above dispute case, more unauthorized transactions have been attempted on my Paypal account. These new attempted transactions are listed from the same XXXX merchant, and they occurred since the aforementioned billing agreement between Paypal and XXXX was severed. 

In addition to filing another dispute with PayPal, I have contacted : - XXXX : they stated that since the charges were made via Paypal, I must complete the dispute process with PayPal instead - XXXX XXXX : after filing complaints three times due to poor customer service on the part of XXXX XXXX, they have now denied half of my claims, and are still processing the remainder. They also sent my negative account balance to a collections agency and threatened to close my account, which has now been reversed after I spent another 1.5hrs on the phone with them reiterating that my account had been fraudulently charged. 
- XXXX bank : they refunded some of the charges, but not all - PayPal : my account remains negative, and similar to the issues with XXXX XXXX, they have send my negative balance to a collections agency despite the fact I have already submitted multiple complaints indicating that these charges are fraudulent. 

Thank you for your thoughtful attention to this situation. I appreciate your time.