Consumer complaint received 2025-04-01 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: CO

Complaint narrative:
On XX/XX/XXXX I started a transaction from PayPal who I believe uses The XXXX XXXX XXXX XXXX XXXX  who uses XXXXXXXX XXXX  for my spending account. For an amount of {$19.00}. According to both XXXX and PayPal the money arrived and was cleared on XX/XX/XXXX. Then on XX/XX/XXXX PayPal sent me a letter saying that it had reversed/stopped the transaction. Then on XX/XX/XXXX XXXX removed the money from my account stating that it had been reversed/stopped. There were XXXX previous transactions before this that had the same issue but the money was returned to my account on both XX/XX/XXXX, and XXXX and without explaining the issue. Concerning the transaction on the XXXX however, when I tried again the money never made it back to either of my accounts. The money is now XXXX and for nearly XXXX weeks I've been communicating back and forth with both XXXX and PayPal about the issue. Both not being cooperative, nor sensible, nor has either offered any quality customer service on the matter. 

After several contacts back and forth where both institutions are blaming each other, they both have offered me tracking codes. XXXX gave me this tracking code from the bank stating that they don't have the money, and that PayPal has the money ( XXXX notified me of the reversal on XX/XX/XXXX and on XX/XX/XXXX issued XXXX ID : XXXX ). PayPal refuses to run the trace code from XXXX because they claim it makes no sense because PayPal originated the transaction. 

PayPal has offered me a tracking code ( on XXXX separate occasions ) claiming that XXXX has the money ( issued XX/XX/XXXX and XXXX XXXX code # XXXX : XXXX ). I have given them notice of XXXX Procedures for resolving errors id ( c ) ( XXXX ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within XXXX business days of receiving a notice of error. The institution shall report the results to the consumer within XXXX business days after completing its investigation. The institution shall correct the error within XXXX business day after determining that an error occurred. 
Despite providing both institutions evidence/statements from each other that I did not receive the money back ; they both have refused to return the money, claiming it's not their problem. So I am out {$19.00} which is completely missing, and the XXXX Banks walk away with offering no resolve ; nobody will help me. 

I have attached copies of bank statements from both institutions for the entire month of XXXX, highlighting the transaction in question; showing I do not have the money in question, in either account as they both claim. I have attached The letters from both institutions stating that neither has the money and I need to go to the other party to claim my money. In extensive chat histories with both agencies not attached but I am willing to forward on ; showing refusal to resolve the issue, and negligence to follow federal regulations and negligence handling the matter generally speaking. I have notified them several times of the law, and neither institution seems concerned. 

I need help please. I would prefer to avoid litigation if possible, but will absolutely utilize litigation if necessary.

Company response to consumer: Closed with explanation