Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I placed and order for cleaning products totaling {$70.00} and paid the seller using PayPal. My bank account attached to my PayPal account was charged {$70.00} to pay the seller which is correct. 

On XX/XX/2020 I received an email from PayPal giving me details of the shipment with a XXXX tracking # XXXX. Upon checking the tracking number on the XXXX tracking site, I found the products were shipped on XX/XX/2020 and delivered on XX/XX/2020 to a commercial address. These products were shipped prior to me placing my order. 

On XX/XX/2020, I emailed the seller and explained I never received the shipment. On the same day, I sent another email informing the seller what I had learned from XXXX. I also sent a message to the seller through PayPal. No response was received from the seller. 

XX/XX/2020, I filed a claim with PayPal and received an automated email, shortly thereafter, the claim was denied. 

On XX/XX/2020 at XXXX XXXX, I called my bank and filed a dispute regarding the {$70.00}. 

On XX/XX/2020, I made a bad decision, and gave PayPal another chance to review my claim that was denied. The PayPal agent overturned the denial and decided the claim in my favor and credited my bank account the {$70.00} which showed on my bank account XX/XX/2020. 

On XX/XX/2020, my bank made a provisional purchase adjustment crediting my account {$70.00} pending the dispute outcome. They explained to me if PayPal credits me the money then the dispute would be closed. 

On XX/XX/2020, I called my bank and told them I was credited back the money from the seller and asked them to close the dispute. They said I could not close the dispute myself that they would need to hear from PayPal even though the credit was reflected on my bank account. 

On XX/XX/2020, PayPal applied a negative {$70.00} on my PayPal account stating I received two credits and need to pay them back their {$70.00}. 

From XX/XX/2020 to XX/XX/2020, I continually had conversations with PayPal through their message center informing them they just needed to contact my bank and inform my bank they credited my bank account the {$70.00} and my bank would reverse their credit and close the dispute. However, PayPal keeps stating it's between me and my bank. 

I have given PayPal my bank 's Dispute Department phone number and the case number. PayPal will not notify my bank of outcome. 

I'm not paying PayPal back the {$7000.00} when after 90 days my bank will make the decision to remove their {$70.00} having seen the credit on my account. 

How can PayPal place a negative balance of {$70.00} on my PayPal account without showing it in my activity as to why I was charged {$70.00} back? 

I'm totally frustrated with the entire process. I can't do anymore than I have to rectify the problem. 

I hope that you can help me as PayPal is not cooperating and charging me {$70.00} now. 

Thank you. 







On XXXX

Company response to consumer: Closed with non-monetary relief