Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I experienced a pattern of unauthorized recurring charges totaling {$5700.00}, processed through PayPal despite the closure of the associated accounts tied to XXXX and XXXX. These transactions originated from XXXX and other third-party vendors operating under deceptive billing descriptors that obscured charge origins. Many charges were identical in purpose including monthly renewals, plan extensions, and add-on tools and occurred in repeated 2472 hour billing intervals without proper verification, consent, or timestamped authorizat

ion. PayPals in
ternal systems failed to activate basic fraud prevention protocols. Transactions were approved without two-factor authentication, without device-level or IP recognition, and in the absence of billing permission renewals. XXXX  XXXX XXXX records show parallel charges on linked accounts, underscoring the negligence in cross-institutional safeguards. 

After I submitted cancellation notices and terminated account access, PayPal restricted entry to its Resolution Center and XXXX complaint tools, making it impossible for me to file disputes or obtain the necessary audit documentation. This denial of service directly violates the Electronic Fund Transfer Act ( 15 U.S. Code 1693h ), the Fair Credit Billing Act ( 15 U.S. Code 1666i ), and provisions under the Gramm-Leach-Bliley Act requiring transparent data protocols and consumer notification pathways. 

Additionally, as a XXXX consumer, I was prevented from accessing alternative communication formats ( e.g., voice-to-text, screen reader compatibility, hotline escalations ). This violates Title III of the XXXX with Disabilities Act and the Unruh Civil Rights Act in California, which require equal accessibility in digital financial services. No ADA accommodations were offered. Georgias Fair Business Practices Act ( O.C.G.A. 10-1-393 ) reinforces the prohibition of deceptive conduct and denial of basic consumer protections, which PayPal further ignored.

The sheer volume of unacknowledged charges, billing irregularities, and deliberate exclusion tactics amounts to digital redlining a form of systemic exclusion impacting XXXX and underserved consumers disproportionately. PayPals algorithms failed to flag fraudulent stacking and subscription repetition. Their legal compliance team declined to provide forensic billing logs, encryption reports, opt-in records, or merchant approval chains, despite multiple requests. 

This was not a one-time billing error. This was an orchestrated sequence of negligent processing, accessibility failure, and policy violations that obstructed dispute resolution, blocked refund eligibility, and inflicted financial and emotional harm. 

-- - What would be a fair resolution to this issue I demand full redress, to be executed within 15 business days : 1. Certified refund of {$5700.00} issued via check to : XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXXXXXX TX XXXXXXXX XXXX. Written declaration of termination for all PayPal accounts, vendor-linked billing authorizations, and active financial permissions associated with : XXXX XXXX 3. Complete forensic billing archive from XXXX XXXX XXXX including : Merchant names, merchant category codes ( MCC ), subscription IDs Device and IP logs confirming origin of each charge Two-factor authentication records and authorization pathways Encryption status under GLBA Section 501 ( b ) Safeguards Rule Internal approval memo logs and fraud alert audit history 4. Accessibility audit report for PayPals dispute platform with documentation of : ADA compliance benchmarks ( screen reader, mobile accessibility, alternate formats ) Implementation of hotline routing systems for XXXX consumers Public release of access roadmap and regulatory certification Timeline and contact for future ADA inquiries 5. Errors and omissions insurance disclosure, including : Active policyholder name Valid policy number Claims contact info for processing damages linked to negligence and discriminatory platform design 6. Damages compensation, covering : Business disruption losses due to fraud and billing lockout XXXX XXXX  associated with inaccessible dispute channels Civil penalties under the California UCL ( Bus. & Prof. Code 17200 ), Georgia FBPA, and FTC Act 5 Reimbursement of incurred legal, filing, and affidavit fees tied to these events Failure to deliver all listed remedies by the stated deadline will trigger escalation to federal regulatory bodies, civil litigation under ADA and EFTA provisions, and public documentation via published forensic case studies detailing systemic platform abuse against marginalized consumers.

Attachments include notarized affidavits, forensic ledger reports, itemized bank statements, and detailed demand letters previously issued to PayPal.

Re : Final Notice of Unauthorized Charges, Subscription Abuse, and Systemic Negligence What happened : Over the past twelve months, my PayPal account has been systematically drained of over {$5000.00} through a series of unauthorized transactions and subscription renewals that I neither approved nor was able to cancel. I have submitted comprehensive documentationincluding XXXX exports and PDF summariesdetailing dozens of charges from obscure vendors with inconsistent billing dates, fluctuating amounts, and no accessible cancellation pathways. These transactions are not only suspicious but structurally evasive, designed to bypass user control and accountability. 

One of the most egregious examples involves XXXX, a platform that continued to charge my account despite my explicit deactivation of its autorenewal feature. This is not an isolated incident. XXXX threads, XXXX reviews, and user forums are saturated with complaints about XXXX renewal practices, which appear to exploit default payment settings through PayPal. Users have reported being charged even after unsubscribing, with no warning or recoursesuggesting a pattern of deceptive billing that PayPal has enabled by failing to enforce consumer protections. 

Compounding the financial harm is the fact that I was XXXX XXXX during key periods of this activity. I have submitted doctors notes verifying that I was under care during the pandemic, unable to monitor or contest these charges in real time. PayPals rigid six-month hold policy, applied without regard to individual circumstances, exacerbated my vulnerability and denied me access to funds that were critical for basic survivalrent, food, utilities, and medical care. 

This is not the first time PayPal has been accused of such practices. In XXXX, a federal judge ordered a {$4.00} XXXX settlement after users alleged unexplained account freezes and fund XXXX. In XXXX, three plaintiffs filed a class-action lawsuit under racketeering statutes, citing unlawful confiscation of funds and lack of due process. High-profile cases like those of XXXX XXXX and XXXX XXXX further illustrate PayPals history of freezing accounts without justification, ignoring customer inquiries, and quietly returning funds only after public exposure. These precedents are not just relevantthey are reflective of the same systemic negligence I am now confronting.

Company response to consumer: Closed with explanation