Consumer complaint received 2025-11-22 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: OR

Complaint narrative:
Got it IlXXXX add your XXXX details to both the formal letter and the condensed CFPB portal version. Heres the updated text : Updated Formal CFPB Complaint Letter ( with XXXX info ) XXXX XXXX XXXX [ XXXX XXXX Address ] XXXX, OR [ ZIP Code ] [ Your Phone Number ] [ Your Email Address ] Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Identity Theft, Unauthorized Accounts, and Financial Fraud To Whom It May Concern, I am submitting this complaint to formally report ongoing identity theft, unauthorized financial activity, and institutional failures by multiple financial institutions, including PayPal, that have severely impacted my credit report and financial security. 
During and after my divorce, my XXXX XXXX XXXX XXXX ( Oregon XXXX, Oregon ; employer : XXXX XXXX XXXX ; uses multiple aliases and has claimed other employers ) engaged in fraudulent activity using my personal information without my consent. He has repeatedly opened and closed deposit accounts ( XXXX ), manipulated credit cards, and misrepresented himself as an XXXX to financial institutions and courts. These actions have resulted in false entries on my credit report, including a PayPal deposit account closure marked as suspicious/fraudulent, which I had no knowledge of or involvement in. 
Key issues include : Unauthorized use of my personal information and email accounts. Examples of addresses he used to impersonate me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent accounts and transactions opened in my name, including undisclosed amounts through XXXX 
XXXX stalking and repeated interference with my credit and banking relationships. 
Theft of IRS funds in my name, currently under investigation. 
Refusal by XXXX and other institutions to provide me with requested account information, despite clear evidence of fraud. 
I request that the CFPB : XXXX XXXX handling of my accounts and refusal to provide information. 
Require XXXX and other financial institutions to disclose all accounts and transactions opened or closed under my name. 
Ensure that fraudulent entries are removed from my credit report. 
Provide oversight to protect consumers from institutional bias when perpetrators claim law enforcement credentials. 
I have maintained detailed evidence logs, including correspondence, aliases, and account records, which I am prepared to provide upon request. This fraud has caused significant financial harm and continues to threaten my security. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, [ Signature ] XXXX XXXX XXXX Condensed CFPB XXXX Version XXXX XXXX XXXX XXXX  ) I am reporting identity theft and financial fraud involving my XXXXe XXXX XXXX XXXX ( XXXX XXXX, OR ; employer : XXXX XXXX XXXX ; uses aliases ) who used my personal information without consent to open/close accounts and manipulate credit. This includes a PayPal deposit account closure marked as suspicious/fraudulent, which I never authorized. 
Key issues : Unauthorized use of my identity and email addresses ( e.g., XXXX, XXXX, XXXX, XXXX ). 
Fraudulent accounts and transactions in my name, including undisclosed amounts through PayPal. 
XXXX stalking and interference with my credit. 
Theft of IRS funds in my name ( under investigation ). 
PayPal and other institutions refuse to disclose account details despite clear evidence of fraud. 
I request : XXXX of XXXX handling of my accounts. 
XXXX of all accounts/transactions opened or closed under my name. 
Removal of fraudulent entries from my credit report. 
XXXX to prevent bias when perpetrators claim law enforcement credentials. 
I have detailed evidence logs and will provide them upon request. 
I have not spoken to him since XXXX so any financial transactions or dealings with my name or Social Security number is fraud and have nothing to do with my financial life. 


XXXX XXXX

Company response to consumer: Closed with explanation