Consumer complaint received 2025-01-08 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 ( a Sunday ), I discovered fraudulent charges totaling approximately {$11000.00} on my PayPal credit line only because I happened to check an old email account and found PayPal 's notification that they were about to withdraw {$5600.00} ( in two separate transactions ) from my checking account the next day ( Monday ). I immediately reported the fraud to PayPal in two separate phone calls that day. In those calls, PayPal claimed they could not stop their own ACH pulls. I immediately called my bank and put a stop payment order in on each, but without success. The ACH pulls were already underway. 
As for the charges, PayPal made no attempt to call me about these highly unusual charges despite those charges being far above my normal spending pattern. Notwithstanding my calls to PayPal, the two separate {$5600.00} ACH withdrawals caused my personal checking account to go negative over {$11000.00} ( PayPal was attempting to pay themselves after extending unauthorized credit well above my original credit line ). These charges were completely inconsistent with my transaction history ( typically under {$200.00} per transaction ). 
I rushed to my bank to stop the ACH withdrawals on Monday the XXXX or perhaps Tuesday the XXXX because Monday may have been a banking holiday ( XXXX XXXX? ). I had to leave work unexpectedly to try to save my money. However, the money had already left my account and was deposited into the ACH and was not returned until about three days later. I learned that the stop payment orders had beaten the ACH pulls, but it took three day to resolve. The whole event caused extreme stress. I was forced to emergency close my checking account and other accounts because PayPal claimed helplessness or simply didn't care. I was worried they were going to go after my saving account. 
Despite reporting the above fraud, a second round of fraudulent charges totaling another approximately {$11000.00} appeared on my PayPal Mastercard. This caused my credit score to drop approximately no less than XXXX points. These charges were also completely inconsistent with my normal spending pattern. Again, my credit line was increased, and compressed purchasing activity ensued in a pattern and in amounts that were completely inconsistent with my usage. This is after PayPal was notified of the above first fraud. 
Between XX/XX/XXXX, and XX/XX/XXXX, I made approximately 9-10 calls to PayPal/PayPal CreditXXXXXXXX XXXX to get this under control ( the relationship between these companies and their customer service departments is extremely confusing ). All customer services were confusing, conflicting, and evasive. As a practicing attorney, I explicitly stated, beginning approx. XX/XX/XXXX, in at least five recorded calls that all accounts must be closed, I would never open new accounts, and I would never do business with PayPal again. Therefore, honor no such requests ever. I received conflicting information from different departments and no written confirmation of fraud resolution. 
In early XX/XX/XXXX, I began receiving automated " friendly reminder '' robocalls from XXXX numbers and text messages demanding payment for the fraudulent charges on the XXXX which was now maxed out. I was forced to opt out of these text messages due to harassment and stress. 
On XX/XX/XXXX, I discovered that on XXXX XXXX XXXX  ( XXXX XXXX  ), PayPal had allowed unauthorized appeals of my account restrictions and permitted new addresses to be added to my accounts and reopened my accounts that I thought had been closed or restricted. PayPal sent an email to me requesting that I confirm the new address. I disregarded this email. Notwithstanding two days later I received an email that the address was added. This is absurd. In fact, PayPal told me in XXXX or XXXX that proof of identity by way of photo and driver 's license was required to do anything with these accounts. This was clearly untrue. All of this occurred despite my clear instructions as an attorney to permanently close all accounts, which instructions were delivered as soon as XX/XX/XXXX. 

As of XX/XX/XXXX, I am still : Receiving robocalls about fraudulent charges Getting emails about unauthorized address changes Receiving account verification requests Experiencing ongoing security breaches Unable to get clear confirmation of account closure PayPal has : Failed to detect obvious fraud patterns Ignored explicit closure demands from an attorney Allowed unauthorized XXXX XXXX  account access Continued automated payment harassment Failed to properly document or respond to fraud Created ongoing security risks Caused significant credit score damage Generated constant XXXX  about security Forced emergency banking measures This pattern of security failures, inadequate fraud response, and continued harassment demonstrates systematic failures in PayPal 's security and fraud prevention systems.

Company response to consumer: Closed with monetary relief