Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Company : PayPal Product : Prepaid card / PayPal XXXX XXXX XXXX XXXX : Unauthorized transactions and mishandled dispute Case ID with PayPal : Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Transaction information Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX XXXX Date XX/XX/year> Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Transaction information Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Transaction information Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX XXXX XXXX XX/XX/year> Transaction information Dispute Case ID XXXX Transaction Amount {$110.00} USD Dispute Amount {$110.00} USD Transaction ID XXXX Transaction Date XX/XX/year> Description of the Issue : On XX/XX/year>, XXXX fraudulent in-store transactions appeared on my PayPal Business Debit Card, each for {$110.00}, totaling {$990.00}. These were listed as purchases of XXXX XXXX cards. I did not authorize these transactions and immediately filed a dispute with PayPal. To their credit, they refunded the full amount and reissued my card. 

However, on * * XX/XX/XXXX, XXXXjust one day later * * another XXXX identical fraudulent transactions for {$110.00} each ( again totaling {$990.00} ) were charged to my PayPal XXXX XXXX XXXX around XXXX XXXX again listed as in-store XXXX gift card purchases. 

I was asleep in bed at the time. I contacted XXXX, who confirmed : I have no XXXX account on file, The transactions were unauthorized, and It was fraudulent activity. 

Despite all this, PayPal denied my claim, stating the transactions were consistent with my payment history. That is patently false. I have never purchased gift cards from XXXX, and have no transaction history remotely resembling this. 

Worse, PayPal refused to allow me to appeal or speak with a fraud specialist. They closed the case without explanation or further review. 

I am now out {$990.00} due to PayPals failure to : Properly flag and block repeat fraud ( they had already refunded the exact same type of fraud the day before ), Provide adequate investigation, Allow a fair dispute resolution process. 

Resolution Requested : Immediate refund of the {$990.00} stolen from my account on XX/XX/XXXX Formal investigation into PayPals fraud handling procedures Assurance that similar mishandling will not affect future consumers

Company response to consumer: Closed with monetary relief