Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am reaching out to formally report a case of fraud related to a {$180.00} USD transaction from the user XXXX XXXX, Transaction ID XXXX XXXXXXXX, and to request a reversal of the amount debited from my account. On XXXX, I sold a dining set through XXXX XXXX. The buyer initially sent a {$20.00} USD deposit to reserve the item, which I received successfully ( see attached screenshot ), confirming her legitimate intent to purchase. After receiving the {$20.00} USD reservation, I provided my home address and coordinated delivery of the item in the evening ( around XXXX PM ). At that time, the buyer claimed to have sent the Venmo payment to someone else, despite the fact that I had already sent my XXXX code XXXX for the remaining payment. I eventually agreed to deliver the item once I saw the {$180.00} USD transaction successfully posted to my Venmo account. After completing the payment, the buyer repeatedly insisted that I provide my phone number or email associated with my Venmo account, claiming that Venmo required this information to refund the initial payment she allegedly sent by mistake. I refused to share this information, as it is sensitive personal data, and I am aware that this is a common scam tactic. Additionally, the buyer sent me payment requests via Venmo, which I declined, as she already had the item ( the dining set ) in her possession. Subsequently, this person opened a dispute claiming she did not recognize the transaction, which is completely false. I have all supporting evidence of the purchase and the conversation with her, as the payment was made voluntarily in the context of an in-person transaction. As a result, I received a notification stating that {$180.00} USD had been debited from my account. I want to emphasize that, upon realizing what had happened, I immediately contacted her via XXXX, informing her that I would take legal action since I had all conversations documented. She responded with an intimidating message, which I prefer to quote verbatim : " Lol for {$180.00} is that a threat? I called my Attorney XXXX, yes my XXXX and we contacted Venmo & my Bank. My Sister is also an Attorney and my XXXX XXXX is a Deputy Sheriff in XXXX XXXX. You dont know my Family but now you do. So you GO AHEAD & take legal action. XXXX be waiting I also do not care about your cameras inside & outside I still have your Address which I said is worse than having a ph # OR email I just screenshotted our entire conversation & will be sending it to my Attorney Brother. But hey! Are you even legally here? You can barely speak XXXX " This behavior clearly demonstrates bad faith and intimidation, and she later blocked me on XXXX. I have complete evidence supporting this situation, including : Screenshots of the conversation confirming the reservation, purchase, and payment Messages where she insists on obtaining my personal information Payment requests sent by the buyer Threatening and intimidating messages Notification of the debited funds I respectfully request that this case be reviewed in detail and that the {$180.00} USD debit be reversed, as I was a victim of fraud and misuse of the dispute system. I remain available for any additional information you may require and appreciate your prompt attention to this matter. It is important to highlight that I have contacted Venmo and sent them an email containing supporting evidence ; however, I have yet to receive a response. I proceeded to reach out on multiple occasions via the in-app chat, but I never received a resolution to this case, leaving me without any solutionsdespite the fact that I possess all the evidence corroborating the details in this email. Finally, I would like to mention that I have also filed a police report regarding this matter. Sincerely, XXXX XXXX XXXX Venmo User : XXXX XXXX XXXX XXXX Associated Phone : XXXX

Company response to consumer: Closed with explanation