Consumer complaint received 2025-08-06 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: MN

Complaint narrative:
IMPORTANT REQUEST FOR CASE CONSOLIDATION AND REGULATORY REVIEW : I respectfully ask that the CFPB review all complaints, disputes, and related correspondence I have submitted regarding PayPal since XX/XX/year> as one connected case. This is not a collection of isolated incidents, but rather a clear pattern of systemic mishandling of disputes involving unauthorized transactions, ignored consumer requests, and improper reversals.

Despite my ongoing good-faith efforts to cooperate with PayPal and get clarity, they have failed to resolve the matter and are now creating additional harm through unexplained denials and premature reversals. 



Timeline and Background : On XX/XX/year>, I contacted PayPal and requested that they help me investigate a pattern of suspicious or potentially unauthorized transactions. I asked for their assistance in identifying which charges might be fraudulent, and I specifically requested that they review all disputes together as a connected issue.

PayPal refused to provide assistance or investigate the account as a whole. They only reviewed the individual transactions I had manually submitted, despite knowing I was unsure which ones were valid due to the nature of the activity. 
As a result, I was forced to submit additional disputes manually over the course of XXXX. I made it clear each time that I believed these were part of a larger, connected issue and needed to be handled accordingly. 



Current Status ( as of XX/XX/year> ) : PayPal has continued to reverse provisional creditssome dating back to early XXXX : My repeated communication with both PayPal and CFPB Their own investigation being incomplete No written explanation or regulatory-compliant closure of those disputes Many transactions remain under review, while others are being denied with vague or illogical reasonssuch as unauthorized, which is the actual basis of my original claim. 
I continue to receive random, unstructured messages from PayPal that make it difficult to track : What has been approved, denied, or reversed The timeline of dispute resolution Whether or not I am required to respondand how I have never knowingly denied a valid dispute. However, PayPals system makes it impossible to clearly understand what actions are being taken on my behalf, or how to respond appropriately.

They have also failed to address or acknowledge my continued concerns, despite multiple attempts to get clarification. 



Potential Violations : Violation of Regulation E ( 12 CFR 1005.11 ) : Reversing provisional credits before a full investigation is complete, and without written notice, directly violates federal law.

Ignoring submitted disputes that clearly fall within a broader pattern of unauthorized charges violates the requirement to fully investigate reported errors.

Violation of PayPals User Agreement : Their terms promise fair, consistent, and transparent handling of disputes. In my case, theyve acted inconsistently, offered no meaningful communication, and denied disputes with no clear basis. 

UDAAP Violations ( CFPB and FTC Oversight ) : Their failure to explain denials, provide guidance, or respond to consumer concerns may fall under unfair or deceptive practices, especially considering I asked for help in good faith and have been actively trying to resolve the matter.

Company response to consumer: Closed with non-monetary relief