Consumer complaint received 2025-03-19 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:
On XX/XX/XXXX, I noticed there had been XXXX fraudulent transfers from my XXXX checking account ( that was linked to my PayPal account ) to PayPal : XX/XX/XXXX ( {$470.00} ), XX/XX/XXXX ( XXXX transfers of {$100.00} each ), XX/XX/XXXX ( XXXX transfers of {$100.00} each ), XX/XX/XXXX ( XXXX transfers of {$100.00} each ), XX/XX/XXXX ( XXXX transfers of {$100.00} each ), and XX/XX/XXXX ( {$100.00} ). I did not make these transfers. 

I logged into my PayPal account and observed that someone hacked into my account, and added their own bank account ( XXXX, Division of XXXXXXXX XXXX XXXX ending in # XXXX ) as well as their own Visa Debit Card ( ending in # XXXX ). When they hacked into my account and added their own bank, they transferred the above noted {$1500.00} from my checking account ( ending in # XXXX ) to PayPal, and used my money to buy themselves XXXX XXXX XXXX. They added their own billing and email addresses as primary on my PayPal account, so I was not receiving notifications of these transfers. 

I called XXXX XXXX  and they closed my checking account linked to PayPal. I submitted a dispute with them and called them, but it was denied and they stated that PayPal would need to be the one to refund me. 

I called PayPal and they confirmed that my account was breached. They removed the perpetrator 's information and 'reset ' my account to secure it. 

I have submitted XXXX formal complaints through PayPal 's resolution center, which does not allow me to dispute more than XXXX transaction at a time nor allow me to appeal or upload documents. A XXXX complaint was made by someone I spoke with at PayPal and the monetary value that they added was erroneous -- {$2200.00}. Regardless, all of my complaints were denied because they believe my transactions were " authorized '' and consistent with previous PayPal activity. 

Since that time, I have called PayPal at least XXXX times ( I am including call logs from XXXX ). Each time, I speak to someone who asks me to explain the issue all over again. Sometimes they understand, sometimes they do not. I am repeatedly told that there is nothing more that they can do because whoever I am speaking with is not authorized to make that decision. I have spoken to managers who always tell me they will " escalate this to the back office team. '' I have contacted people in their investigating office. No one ever responds to me or calls me back with a resolution. No one can confirm they have reviewed my case thoroughly and can explain why these disputes and requests for a refund continue to be rejected. No one can confirm they have looked into the IP address used to make these fraudulent transactions to confirm that these authorizations were not made by me. 

I am attaching several documents, including the last 7 years of my PayPal history to demonstrate that these XXXX transactions beginning in XXXX, XXXX are totally INCONSISTENT with my history. I am including screenshots of the perpetrator 's email and billing address. I am including a complaint I made to the Internet Crime Complaint Center on XX/XX/XXXX. 

I would just like my stolen money to be returned. Thank you.

Company response to consumer: Closed with monetary relief