Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Good evening, I recently filed several disputes on my account with XXXX on XXXX XXXX but some disputes have been resolved while most were denied. The reason they say some where denied was because they say some money was added to my account in between different transactions. That is not true I only received one deposit into my XXXX account and that was XX/XX/year>. I do not understand how some of the disputes could be approved and the rest denied that does not make any sense. You can see prior to my disputes my card was not physically used since XX/XX/year> when I withdrew {$400.00}. I still have not physically used my XXXXXXXX XXXX  I have been using XXXX XXXX and bank to bank. This is ridiculous I have never had any trouble with my other bank. Thats why we entrust in banks just in case something like this happens. Its going on an entire month that I have been dealing with these disputes. I did everything I was told to do I called the merchant places some of the places said they didnt even see anything purchased from my card and others told me to contact my bank which is XXXX I have recently changed my email and my phone number and my address to my account. Since I have done this every time I use my card I am immediately updated about any purchases made with my XXXX XXXX Prior to me changing my personal information I was not receiving any updates nor any alerts about any use or spending of my XXXX XXXX. When I even first notice the unauthorized activity on my account I immediately called Venmo I was told I could not dispute anything at that moment because things where still pending but the person I spoke with didnt even cancel my card either so my card was still being used by whom ever. I would love to continue to be a account holder with XXXX but I honestly do not feel insured. I was told to send an email to the dispute team for more information. So I sent an email to the dispute team on XXXX XXXX but I have not received a response the only response I received was from a XXXX team support stating I need to provide proof I contacted the merchants. On XXXX XXXX I contacted XXXX and asked them what kind of proof from the merchants and they told me they do not know exactly because they never seen any actual paper. I asked how am I supposed to get proof from a merchant saying it wasnt me who used my card at there store if my card is coming up at their store? So on XXXX XXXX I decided to call some merchants for a 3rd time and was told the same thing to contact my bank I shouldnt be the one calling around to different merchants when I only know whats on my account. And some of the merchants say they dont even see a transaction from my account. And some merchants didnt have a number I could contact. I couldnt even locate a merchant based off the information on my account. Like I said before I have never experienced anything such as this its been almost a month of me dealing with this. Every time I appeal they approve some and deny the rest. If you guys could please assist me in any way I have done everything I could on my end I have called and called these different merchants places but only one merchant provided me with paper work I took some screenshots of me emailing some merchants but everything was verbal.

Company response to consumer: Closed with explanation