Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : URGENT : Demand for Definitive Corporate Response Regarding Ongoing Cross-Platform Breach, Disregard for Prior Complaint Responses, and Failure to Prioritize Criminal Apprehension Over Payment Processing XXXX. Procedural Impediment, History of Evasion, and Breakdown of Communication I am filing this complaint because PayPals standard communication channels ( both the mobile app and web browser Message Center ) have completely broken down. I previously received responses from PayPal regarding my prior complaints ( including Complaint ID : XXXX ), and I have continued corresponding with support. However, PayPal 's replies remain entirely evasive, contradictory, and fail to provide explicit answers to critical technical and legal inquiries. Furthermore, I suspect authorized channels are being intercepted by unauthorized entities simulating support staff. Therefore, I request theCFPB to compel PayPals corporate compliance and legal headquarters to bypass these compromised local channels and provide a direct, unambiguous response to this official filing. XXXX. Core Inquiries Demanding Explicit Resolution The situation has escalated far beyond a routine merchant transactional issue. PayPal must answer the following questions clearly and without corporate evasion : Prioritizing Criminal Apprehension Over Revenue : An " unprivileged user '' is currently misusing my identity and infrastructure to force payment processing. Why is PayPal pushing me to process or accept transactions when the immediate apprehension and technical neutralization of the criminal perpetrator must be the absolute priority? By focusing on fund injection rather than arresting the ongoing crime, PayPal is actively allowing a threat actor to compromise the integrity of the financial system. Legal Permissibility of Payment Processing : If I proceed with processing or receiving payments through this account, can PayPal legally guarantee that there are no liabilities regarding money laundering ( XX/XX/XXXXL ) or co-mingling of illicit funds? Has PayPal fully briefed global law enforcement agencies ( including the XX/XX/XXXXXXXX and FTC ) on the exact technical state of this account and obtained legal clearance? If it is legally safe, I require an official corporate sign-off. Account Operational Status vs. Identity Verification : PayPals Help Center articles state that under these compromised circumstances, a user must " create a new account '' to process payments. However, my account dashboard displays a " Verification Complete '' status ( as of XX/XX/year> ) along with promotional offers such as a " XXXXday transaction fee discount. '' Can this specific account currently receive payments, or can it not? Has this account been completely and permanently decoupled from the perpetrators environment? If payment processing is impossible or unsafe, what was the legal or operational purpose of forcing me to complete the identity verification process? Systemic Contradictions with Binding Agreements : When cross-referenced with the PayPal User Agreement, Privacy Statement, and the updated PayPal Online Card Payment Services Agreement, the automated notifications urging me to use the account suggest that payment acceptance is fully authorized. Does PayPal acknowledge that allowing these automated prompts to persist on a compromised dashboard misleads the consumer and potentially facilitates fraudulent fund injection by the perpetrator? XXXX. Conclusion and Demand for Action PayPal must understand that this matter has reached a critical juncture that can not be resolved by simply processing a payment. This case involves severe cross-platform security failures involving integrated XXXX enterprise environments and identity theft that are already registered in global law enforcement databases. I demand that PayPal cease sending automated, contradictory system alerts, acknowledge that arresting criminal activity precedes processing revenue, and provide a formal legal position on whether this account is structurally secure and legally cleared for commercial operations.

Company response to consumer: Closed with explanation