Consumer complaint received 2026-02-19 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: NY

Complaint narrative:
My PayPal account was fraudulently accessed by an unknown third party and an old bank account previously tied to that same PayPal account was used to make a purchase in the amount of {$390.00}. Somehow, this fraudulent charge was returned to my PayPal account, resulting in a negative balance and many of my account features being locked ( these two things should have never happened to begin with ). On XX/XX/XXXXXXXX at roughly XXXX XXXX EST, I called PayPal 's fraud hotline at XXXX to dispute and reopen this fraud case, which was incorrectly closed. This transaction was made without my knowledge or authorization by an unknown third party using a bank account I no longer had access to because it had been shut down. The agent I spoke to that day promised that the case would be reopened. The agent I spoke to prior to then, on XX/XX/XXXX, assured me that the Closed / Lost case was only a " child '' case of a " parent '' case and that conveniently, I could not see the larger " parent '' case on my side. I was told that I would get a resolution by XX/XX/XXXX, which did not happen. The agent I spoke to on XX/XX/XXXX confirmed that the " child '' case is all that exists, verifying that the first agent is a liar. I then reached out to PayPal by e-mail and eventually heard back from a XXXX XXXX, on behalf their Office of Global Customer Complaints and Advocacy. In an extremely lengthy response that said very little, PayPal confirmed they are illegally refusing to overturn their inaccurate decision to rule on the Case as fraud / unauthorized activity ( which it clearly is ) and will not be giving me my {$390.00} back in the form of removing the negative balance and unlocking my account. PayPal is illegally demanding that I pay for what a scammer did in order to regain access to my account. I will never do this, and I deny any and all liability, obligation, indebtedness, or responsibility- whether legal, equitable, contractual, statutory, XXXX or otherwise - relating in any manner to the negative balance allegedly authorized. No agreement, express or implied, has been entered into by myself that would create a valid and enforceable obligation for the payment of the sum claimed by PayPal. To the extent any purported contract, invoice, statement of account, or demand has been referenced, I specifically deny the existence, validity, enforceability, authorization, ratification, or assumption of any such obligation. Any alleged debt is hereby rejected in its entirety. Further, I deny that any goods were duly ordered, accepted, delivered, or retained under circumstances giving rise to an obligation to pay ; I deny that any services were requested, rendered, or accepted in a manner that would create an enforceable duty of compensation ; and I deny that any benefit was conferred for which restitution, XXXX XXXX, unjust enrichment, or other equitable relief would be appropriate. I also specifically deny the accuracy, sufficiency, and admissibility of any documentation, calculation, accounting, or evidentiary basis upon which the alleged amount is predicated. Strict proof is demanded as to the existence of a valid agreement, the performance of all conditions precedent, the calculation of the alleged sum, and the legal entitlement to recover same. Nothing contained herein shall be construed as an admission of fact, liability, or waiver of any rights, remedies, defenses, or objections- whether procedural or substantive- all of which are expressly reserved. This correspondence is provided without prejudice to any position that may be asserted in any future proceeding. Accordingly, PayPal 's claim of {$390.00} is denied in full.

Company response to consumer: Closed with non-monetary relief