Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, my account name with XXXX  is @ XXXX, the associated email linked to the venmo account is XXXX. I received an email from XXXX  saying that seller initiated a disputed a charge on XX/XX/year> for a completed transaction that happened on XX/XX/year>. The email said I did not have to do anything till I heard back from XXXX, and the XXXX  refunded the buyer without asking me providing any evidences and proof on my end. So I called the XXXX  customer service and said I needed to contact the dispute department for that. I provided the conversation I have with XXXX ( XXXX XXXX XXXX who I met up with for the XXXX  concert wristband he bought from me on XX/XX/year>. The concert wristband was for XXXX XXXX ( Saturday ), the event happened more than a week before the Buyer initiated a dispute on XX/XX/year>. Conversation screenshot including the time and date shown and how we met up and I can provide valid receipt for the wristband from XXXX official website. I also filed a police report with XXXX Police Department against XXXX XXXX with this fraudulent dispute incident. The XXXX Department police report number is XXXX. 

Here is also a summary of the event so you can understand more of what happened and there should be no reason for the buyer filing a fraudulent dispute unless he was a fraud scammer : -On XX/XX/year>, XXXX XXXX reached out and messaged me through XXXX XXXX XXXX and wanted to buy a XXXX  XXXX XXXX  Saturday wristband from me. That night we agreed to meet up in person in front of the venue named fair market on XXXX XXXX XXXX in XXXX, TX. We met up in person and exchanged the wristband and he paid me money through the online app called XXXX. We exchanged number ( his number is XXXX, and his address that he told me was XXXX XXXX XXXX XXXX, XXXX, TX ) and he messaged me the next day XX/XX/XXXX asking if I am selling another wristband, I texted him back I do not but I know someone else is ( his number which matches his XXXX  account ). He did not respond to that text. On XX/XX/year>, he initiated a dispute saying that that was an unauthorized wristband and he did not receive the wristband from me and the wristband is not valid. I believe that he tried to scam me from the beginning and using the money online app called venmo as a tool to do that. 
The XXXX  transaction was for an XXXX XXXX XXXX Saturday wristband, in order to prove further that he did use the wristband he bought from me on XXXX XXXX and that he paid me via XXXX  at his will, I have attached his social media, XXXX, user name and screen shot of he posted on XXXX that he was at XXXX  which was the event he wanted to buy off the wristband and he paid me via XXXX  at will. In the screenshot of his XXXX  post on XX/XX/year> Sunday, that post showed that the wristband he paid for was valid and that he was at the XXXX event joyfully, and was in the wrong to file a dispute saying that transaction was unauthorized. Also, the transaction was not under the buyer protection, so I am not sure why he could file the dispute according to XXXX  user policy. 

I asked XXXX  to let me know if there is anything I can provide to show that buyer received the wristband he paid for and he was willing to pay for the wristband. It was not an unauthorized transaction and it is a valid purchase and that was a fraudulent dispute against me. I have also reached out to the official event organizer, XXXX, to provide a proof that the wristband I sold it to XXXX XXXX was scanned and in use on the event date XX/XX/XXXX, I hope that could provide a stronger proof that XXXX has used the wristband I sold him and filed the fraudulent dispute. 

However, XXXX  responded on XX/XX/year> that I violated account policy because XXXX  can only be used between friends and family. However, the dispute payment was made as friends and family, according to XXXX  policy, that could not be disputed yet it was now, I believe that XXXX never even tried to investigate before they approved the dispute and even with all the evidences that I provided to XXXX, they favored the other user and their bank.

Company response to consumer: Closed with monetary relief