Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for attempting to collect an invalid debt that has already been resolved and credited by my financial institution, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
AMOUNT : {$110.00} DATE : XX/XX/XXXX. Pay in XXXX The Facts : On XX/XX/XXXX, I purchased from XXXX XXXX XXXX XXXX XXXX Pay in XXXX through PayPal XXXX After receiving the product, I contacted the seller a couple of times to request the product protocols, as I could not find them on their website. The seller claimed that I was asking for medical advice, which was prohibited by law, and refused to provide the information I requested. 

I clarified that I was not asking for medical advice, but simply wanted to know where to find the product protocols. In response, the seller closed my account and stated they no longer wanted to do business with me, asking me to return the products. 

After receiving XXXX of the products but not the second one, I contacted the seller again, asking for a return label and a refund for the second product. The seller refused, insisting that I send the item back immediately. I contacted PayPal for guidance, and they told me I had to receive the email and follow the dispute process. However, PayPal failed to consider the details of my communications with the seller, and ruled in favor of the seller, citing that I had requested medical advice and received the product. 

After PayPals decision, I disputed the case again, but they continued to insist that I had requested medical advice and that I had received the products. I attempted to clarify multiple times, but PayPals automated service did not properly review the communications. Frustrated with PayPals lack of review, I turned to XXXX XXXX. 

XXXX XXXX initially accepted PayPals response, but when I insisted they carefully review the communications I sent, they looked at the evidence again and realized I was correct. They then decided to issue a permanent credit to my account. I also submitted a similar case to XXXX for a purchase I made with them around the same time, as I bought products from XXXX through both PayPal and XXXX in close succession. Unlike PayPal, XXXX immediately reviewed the evidence, processed the chargeback, and refunded my money because they thoroughly reviewed the documentation. 

Despite this, XXXX XXXX XXXX XXXX is now attempting to collect a disputed debt of {$110.00}, even though XXXX XXXX has ruled in my favor. PayPal, however, claims that XXXX did not communicate with them, but XXXX has proof of their communications with PayPal. 

I have sent all communications and evidence to both PayPal and XXXX showing that PayPals automated service failed to properly address my dispute. 

Request : I demand that XXXX XXXX XXXX XXXX immediately ceases all collection efforts, closes this account with a {$0.00} balance, and ensures no negative information is reported to any credit bureaus. I have attached the letters from XXXX XXXX as proof of the resolved dispute. 

Communication with the Agency : I contacted XXXX XXXX XXXX XXXX upon receiving the collection letter. They informed me that the debt was processed and that I must pay, stating that they could not do anything further. 
In closing, I formally state that this situation has escalated to a level of unacceptable negligence. While other financial institutions involved in this same dispute, such as XXXX, resolved the case in my favor within XXXX days based on the same evidence, PayPal has repeatedly ignored my proof for months, allowing a simple administrative error to evolve into harassment by a collection agency. This entire process has caused me not only significant emotional stress and harm but also an irreparable loss of time and peace of mind. I demand that this abusive process be stopped immediately and that the case be closed without further delay.

Company response to consumer: Closed with non-monetary relief