Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
b"Hi, XXXX Thanks for being a valuable customer of PayPal.\n\nI'm your PayPal Assistant and always here to help. I'm still in beta testing, so talking to you helps me learn.\n\nIn a few words, how can I help you? Specific questions help me find better answers.\nAccount issues\n\nOkay, I found some PayPal products on your account. Can I help with any of the following?\nMore account options\n\nHere are some other account-related tasks I can help with:\nReport fraud\n\nDon't worry, I'm here to help report any fraud, phishing or unauthorized transactions. PayPal is committed to providing a safe and secure experience for our customers.\n\nPlease choose the option that best describes your issue.\nSomething else\n\nOkay. No worries. Weve got useful information on common online scams.\nClick here to know more.\nDid this resolve your question?\n\nStill need help? Ive got you. Ask me a question, and Ill do my best to point you in the right direction.\nwhy is there a charge on my account of XXXXn\nAs your PayPal Assistant, I'm always learning but I'm unable to provide an answer to your question at the moment.\ncustomer service number\n\nIf you like, I can help you send a message to a customer support agent who will typically respond within a few hours.\n\nWant me to start that conversation now?\nI want the number to speak to a live person\n\nAlright, I've sent this conversation to an agent.\n\nI'll send you an email when they respond.\n\nBye for now \nWe received your request. An agent will respond shortly.\nXXXX XXXX XXXX XXXXn\nHi, my name is XXXX I will review your account and respond to you in few minutes. Since this is a messaging platform, sending and receiving messages may not be immediate. You will be notified when we respond. You may step away or move out of messaging inbox, however, please do not end the conversation or disconnect the message.\nXXXX XXXX XXXX XXXX  as I checked your PayPal account, I was able to see that you do have a negative balance of XXXX. \n\nThis is because of the external chargeback dispute case that that you have filed, has been resolved against you. \n\nAt the time of filing these 3-dispute cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you were provided a provisional credit which was now been debited from you. Hence you are having a negative balance.\n\nYou can resolve the negative balance by adding money. Here is a link with the steps to add money: https://www.paypal.com/XXXX  free to reply whenever you're ready and we'll reply as soon as we can.\nXXXX XXXX XXXX XXXX am NOT paying anything until I can speak to a rep on the telephone. The charges I disputed were fraudulent. I have a case number from the Sheriff's office to prove it. PayPal cannot just determine they were not fraud by saying so. I need to speak to someone live!. This is absolutely XXXXnWe received your request. An agent will respond shortly.\nMy message was: These persons are using my PayPal account without authorization.\n\n\nThey somehow changed the SIM card on my phone yesterday between XXXX XXXX XXXX XXXX and were able to verify my account using the hacked sim card on my phone. I would like to cancel any transactions from these people. Please contact Me at XXXX XXXX For any additional information.\n\nI understand your concern, XXXX You can reach us by dialing toll-freeXXXX XXXX  \nToll(Outside XXXX XXXXUS SpanishXXXX  \nWorking hours, Monday-Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWhen I call that number I am directed to a collection agency When I provide the code on the contact page. It's just a run around trying to speak to someone."

Company response to consumer: Closed with monetary relief