Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was looking to file bankruptcy without a lawyer so i XXXX for a Pre-parer and come across this company called XXXX XXXX XXXX So the site gave a good sales talk and would help me with my bankruptcy court form with there software. So i paid Transaction Date XX/XX/XXXX, Transaction Amount {$170.00} USD, Merchant Name XXXX XXXX  - Transaction Date XX/XX/XXXX, Transaction Amount {$49.00} USD, Merchant Name XXXX XXXX The XXXX was charge to me XXXX XXXX with known associate XXXX XXXX. to redo the form. Which i thought this do n't seem right. So when there software had finished the court form They was suppose to sign the form stating that they pre-pared the the bankruptcy form. Which they would not do that even though the court says that who ever software pre-parer does the form they are suppose to sign the form. They said just tell the bankruptcy trustee that i did it. I figure out then this was a scam / fraud site. I ask for my money returned and only way you can contact them was inside there site. They have no address or Phone contact #. The company said that there policy states that they do n't return the money. And everytime a asked i got the same response. So i paid using a Paypal Debit card to pay them for the service. I told paypal that i was scammed the very next Day. Although i had to wait a few days for the charge to go through before i could dispute the charge. I recieved a chargeback from mastercharge for the full amount on XX/XX/XXXX. So i sent Proof that this company is a scam i showed proof that " XXXX XXXX with known associate XXXX XXXX. '' Runs the fraud websites & that they are not suppose to do this has they have been Banned from bankruptcy judges order. The U.S. Marshals sevice has a standing order to arrest XXXX XXXX for civil and possible criminal penalties. I sent all the Proof to Paypal over this matter. This company sends one thing to Paypal that states there Terms do n't refund money for use of there software. So now they want me Repay the chargeback byXX/XX/XXXX. The company terms is a scam that 's how they keep the money people pay. I never used there software for the courts it is illegal for me to i can get in trouble from Trustee and the case Dismissed.
Banned Bankruptcy Provider Here is Proof of this scam site : The individual running this site and countless others has been banned from doing business in the United States by the US bankruptcy court for years! His name is XXXX XXXX with known associate XXXX XXXX.
In Late XX/XX/XXXX an article was published by a XXXX XXXX XXXX of XXXX  exposing XXXX XXXX and the continued illegal activity being continued from thousands of miles away offshore. The U.S. Marshals sevice has a standing order to arrest XXXX XXXX for civil and possible criminal penalties.
Shortly after the publishing of the XXXX article, XXXX XXXX shut down all sites ( at the time run out of the country of XXXX ) and communication with any customers ended and effectively thousands of dollars of money were stolen.
Of course, around six months later his new series of website 's re-emmerged under a few different names located and hosted in XXXX XXXX.
XXXX XXXX ( not .com ) as to hide.
XXXX - Formally XXXX  XXXX and a few others ...
Starting in early XX/XX/XXXX a prethora of sites from the same server in XXXX emerged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these sites are on the same server in XXXX XXXX XXXX.. ...
All sites registered on or about XX/XX/XXXX from the same reg company with hidden personal information.
Oh.. and just like the previous XXXX sites , serveral fake review sites : XXXX XXXX They only feature their sites with a few non-competing lawyer only options to make it look legit ( which it is not ) ....
I have shared this new information with XXXX XXXX XXXX, the original whistile blower of XXXX so he can update the original article for re-publishing and hope he response with an updated article exposing these criminals ASAP.
This is what i recieved form Paypal askin g to Repay the chargeback : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we sent you an email asking you to review the merchant 's response. Unfortunately, we did not receive a response from you. Based upon the documentation from the merchant, we 've determined that the charges appear to be legitimate and we are going to close these cases.
The reasons the transactions are considered legitimate are : " The Company provides various products and services including document creation software. Out software products are self-service products that you use by yourself to create your documents. Our services will be deemed complete under this agreement when you download our software. The documents that you create with our software are entirely dependent on the informational input you enter into the software and as such, you are entirely responsible for the content and accuracy of the documents that you generate.
The cardholder downloaded the product they paid for and as per the agreement, they are not entitled to a refund.
All sales are final. If you are not sure you need our services, do not order. In the event you wish to cancel our services, there will be no refunds.
The cardholder purchased our documents preparation for {$170.00} on XX/XX/XXXX and again for {$49.00} on XX/XX/XXXX, and was provided immediate login access to download the software. The cardholder logged in on XX/XX/XXXX, and downloaded the software on the same day. '' The documentation provided by the merchant shows that the software was used, and a document was created. Without proof of a guarantee that the document was usable in court, we are not able to continue with the disputes.
The provisional credits of {$170.00} and {$49.00} that we posted to your account on XX/XX/XXXX will be debited from your PayPal account onXX/XX/XXXX. Our investigation has been closed.
If you would like a copy of the documentation we used to make our decision, please write to : PayPal Attn : PayPal Debit Card Department - Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States Here the thing i sent all the Proof and i sent and sent emails so Paypal told a lie. I sent all the Proof and many emails to them. This Fraud company sent one email over there Terms of Service. I do not want to Pay this company for unusable court forms / Scam Site. I want my money returned & no chargeback that i should have to Repay.
I am sending the PDF form that was filled out with there software. Has you can see that they the company is suppose to sign the document has they are the pre-parer. If they do n't then i did not get what i paid for. And it is illegal to say i did it own my then.

Company response to consumer: Closed with explanation