Consumer complaint received 2024-03-05 00:00:00
Product: Credit 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: NY

Complaint narrative:
PayPal wrote this garbage full of lies or factual errors : On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPal 's User Agreement. -NO, its not yet XX/XX/XXXX, XXXX and I created a PayPal account many, many years ago and didnt use it for years till recently. 

On XX/XX/XXXX, you applied and were approved for a PayPal Credit account ( PayPal Credit ), which was added to your Account to be used as a funding source. 

On XX/XX/XXXX, you sent a payment from your Account in the amount of {$50.00} ( Payment ) for the purchase of an XXXX gift card through PayPal Digital Gifts, which was funded using your PayPal Credit. With PayPal Digital Gifts, customers can buy and send gift cards to friends and family from a wide selection of top brands. 

At the time of checkout, you requested for the gift card to be sent to the email address XXXX It wasnt sent! But I assumed it was, only to be told later it never was. 

On XX/XX/XXXX, you initiated a PayPal Purchase Protection ( Claim ) for the Payment, stating that the gift card had not been delivered.. - I disputed the product had been delivered! 

At that time, PayPal Digital Gifts was sent notifications via email and the Resolution Center advising them you had disputed the Payment. Useless! Every time I tried to talk to agents, none available! Then theyd close case, playing hide and seek. 

On XX/XX/XXXX, PayPal denied your Claim because the Payment was for an item equivalent to cash. Oh, you found a loophole to ripoff people for not delivering a gift card? 


On that same date, PayPal informed you of its decision via email. I didnt receive any email! What email? Your site is so XXXX  I cant access basic information. 

Payments for items equivalent to cash, including prepaid or gift cards are specifically excluded from eligibility under PayPal 's Purchase Protection ProgramYou are dirty thieves! Is that how you scam the public, entice them with gift cards you refuse to deliver then inform them of this policy? I didnt ask for Payment protection program I asked for a refund for not providing the product. 

In addition, the attached article found online at PayPal.com advises that Purchase Protection does not cover certain kinds of purchases including prepaid cards.You think I read your policy before buying a gift card? I thought you were a legit company, my mistake not a scam site! My error! 

On XX/XX/XXXX, PayPal received notification that a chargeback was filed with PayPal Credit for the Payment. The chargeback was filed because you indicated that you had not received the goods or services. It is important to note that when a sender of a payment files a chargeback, the credit issuer, not PayPal, will determine who wins the chargeback. I was informed today they put a chargeback but I paid off the account Back in XXXX! I dont think I received anything! 

At that time, PayPal notified you that we could not complete any further investigations into the Payment because of the chargeback filed with PayPal Credit. 

To date, we have not received notification from PayPal Credit regarding the status of your chargeback. Please keep in mind that this chargeback process is operated entirely by PayPal Credit, which is offered by XXXX XXXX Bank, and we have no control over the outcome. If you have questions about timing or ultimate resolution of the chargeback, we recommend that you reach out to PayPal Credit directly at XXXX. You know full well what happened- they charged me again! Nice try at pretending ignorance. They found in your favor based on a claim you sent the card when you know you didnt you just spent ALL your time explaining your scam here, because you know you never sent it. Its your scam. Loophole. 

I am sorry for any difficulties you had with this gift card. Upon receipt of your Complaint, we conducted an additional review and confirmed no PayPal errors occurred when closing your Claim, as gift cards are not covered by PayPal Purchase Protection. More lies and covering your premeditated -scam by design XXXX. How many people are you ripping off with this scam? 

We also confirmed that the gift card was successfully sent to the email address you entered at the time of checkout, though the gift card has not been used at this time. - stop gaslighting, you know we never got it, it was Never sent. 

If you need to update the email address for the gift card or need the email resent, you may always contact PayPal Customer Support directly by visiting the Help link at the bottom of PayPal.com. No, we arent wasting MORE time waiting for non existent gift cards from the likes of you! If this gift card exists- cancel it, and refund us immediately- we will never do business with you after months of wasting our time, and you think we will waste what, a year? On this? You need to pay interest! 

You may also contact this office at XXXX with the details on how we can assist you. -Told you for months! Refund! And you continue to bait me, waste my time and energy! 

As such, for the reasons outlined above, we are declining your request for reimbursement. Why are you pretending? That you would do anything but scam? 

Additionally, as stated in the Other Legal Terms section of the User Agreement, [ Y ] ou agree not to hold PayPal responsible, for any damages or losses ( including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages ). Therefore, we are declining your request for additional compensation. Additional? You scumbags wasted my time AnD my money by design! Look at you scamming me out of XXXX. Then talking about how you're going to get away with it by your scam policies! You are the worst XXXX  of the earth!

Company response to consumer: Closed with explanation