Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Months ago I filed a disputed against PayPal due to identity theft and fraud. I disputed tiktok due to fraud. I even appealed with PayPal I never got my money back but PayPal insisted they pay the merchant. I was owed money back due to fraud. When all else failed I contacted my bank fraud department and disputed it. They did charge backs and found in my favor. They stated payments were not linked to my and that the transaction should have automatically been picked up by PayPal as fraud. But instead PayPal constantly in a day or two after disputed these transactions they allowed the fraud to happen. My bank stated no money will be issued to PayPal because these transactions were done because of fraud. PayPal is constantly harassment is against the law and should stay as soon as possible. The transactions were fraudulent, and my bank confirmed this via a chargeback. When I did my disputes through PayPal. I had to continuously dispute them. Because PayPal kept making mistakes. And so they were being rejected. Non-stop, because they said it was posted under the incorrect way or done incorrectly. No matter what I did PayPal continuously issue credit back to the merchant. Me and my bank did not believe people did. Any kind of investigations? Instead, they just directly issued money back to the merchant. The reason why they were charged backs was because my bank knew that they were. In fact, fraud charges PayPal is continuously insisting that I pay them. The money that was charged back in which my bank stated. They will not be provided any funds back. PayPal denied my claims my appeals. But the bank approve it on my end. They issued a full refund on mayan from my bank. Now PayPal is trying to take funds away from my account. So I had no choice, because whoever was doing it continuously committed fraud. PayPal put it down at something called friendly fraud. But in my case, it was actual fraud, not friendly fraud. That is why my bank did a complete charge back. There is still money owed to me. That PayPal has yet to pay. And in which my bank is stating needs to be paid back. I had no choice but to change my banking information. Change all my card information. Because whoever did, it continued to do it now. PayPal did not investigate fulling, but in fact charge me money on my account. Putting it in a negative trying to collect a debt. That is not owed to them. But instead owe me money PayPal in turn refused to issue me. The refund in which my bank ended up disputing it for me. What my bank did also found we're transactions. We're n't even linked to my actual address. They weren't linked to my direct name. Nothing was matching up, but somehow PayPal found everything was okay. And they issued a refund to the merchant. At that point I also issued a identity.Theft form from ftc not only that, I saw complaints with the Attorney General in which that never got a response back. I also fly with consumer financial protection bureau. And I contacted my bank. So that is why the charges were charged back. Because they were complete fraud.So I need help stopping people out from their harassment. And to issue a full refund of any money old and to clear the account from any negative balances.

Company response to consumer: Closed with explanation