Consumer complaint received 2026-05-01 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: MI

Complaint narrative:
I am filing this complaint against XXXX for failing to properly investigate and resolve an unauthorized electronic fund transfer in violation of the Electronic Fund Transfer Act ( Regulation XXXX, XXXX XXXX XXXX ). few unauthorized transaction in the amount total {$1600.00} was charged to my XXXX debit card by a merchant listed as facebk. This transaction occurred shortly after I unknowingly entered my debit card information ( card number, expiration date, CVV, and billing address ) into a fraudulent online loan website. The website disappeared immediately after collecting my information, indicating a phishing/fraud scheme. I never gave them my card details to charge from my account, and I didn't understand they would charge from my bank.please sir I request give me full refund I'm very sick. I don't remember anything. Suddenly, when I check my account, I see many transactions, and I see that he has withdrawn all the balance in my account.Please arrange to refund my hard earned money and be strict against the fraudsters. Unauthorized transaction datils {$50.00}, {$50.00}, {$55.00}, {$15.00}, {$50.00}, {$30.00}, {$50.00}, {$55.00}, {$65.00}, {$35.00}, {$170.00}, {$60.00}, {$18.00}, {$170.00}, {$190.00}, {$2.00}, {$65.00}, {$55.00}, {$45.00}, {$180.00}, {$190.00}, {$11.00}, and last ones {$8.00}, I affirm the following : I did NOT authorize this transaction. I do NOT have any account or relationship with XXXX. I do NOT use any services associated with this merchant. This transaction is a clear case of unauthorized card-not-present fraud using stolen debit card credentials. One thing I didn't understand was how they figured out my account balance. I humbly request you if you can return these transactions to me, I will be grateful for the rest of my life and I will tell everyone to use your service. Few days ago I promptly notified XXXX and filed a dispute. Although XXXX initiated an investigation, my claim was denied without providing sufficient evidence or documentation demonstrating that the transaction was authorized. Under Regulation E, financial institutions are required to conduct a reasonable investigation and must provide supporting documentation when determining that a disputed transaction is authorized. XXXX has failed to provide any of the following : Evidence of cardholder authorization 3D Secure ( authentication ) records, if applicable AVS and CVV verification results IP address, device ID, or geolocation data associated with the transaction XXXX failure to provide this information raises serious concerns regarding the adequacy and legality of their investigation process. Requested Resolution : I respectfully request that the CFPB require XXXX to : Conduct a full and compliant reinvestigation under Regulation E Provide written documentation explaining how the transaction was determined to be authorized Issue a full refund of unauthorized charge Account Information : This card info is compromised ( XXXX ) Name : XXXX XXXX My XXXX XXXX mail : XXXX XXXX phone XXXX Additional Statement : I have never used or authorized any transaction with XXXX, and I do not maintain any account with this merchant. Please refund my money. I have a serious illness, so I put money from friends and donations into the account.please sir refund my money Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief