Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
On XX/XX/XXXX I entered into a contract with a client. The contract states that the client needed XXXX  access to XXXX that I provide as a consultant. The client digitally signed an IP Address tracked digital signature on the contract agreeing that the client has indeed received and has access to the dashboard for the XXXX. 

I charge the client usually {$1400.00}, in this case I charged the client {$1200.00} and was going to break the payment up into XXXX payments. The client made the first successful payment in XXXX again after acknowledging and ONLY after admitting/ agreeing that they received the service of the dashboard access. They received the invoice and paid. The invoice was sent through PayPal. 

The client then continued to pay the monthly installment on XX/XX/XXXX which left him with XXXX payments left. He then paid the XXXX installment on XX/XX/year> leaving XXXX payment left. He had access to the dashboard ( and still does even after this whole situation ). 

He then disputed the XXXX XXXX of {$300.00} to PayPal with a screenshot of his credit report ... the client stated that there were collections on his credit that were not removed so he should not have to pay. His " evidence '' was a screenshot of a random credit report that didn't even have his identifying information on it.... AND his credit report has absolutely NOTHING to do with what he was paying me for. He was paying for XXXX  access and XXXX.... Nevertheless I have proof that I did ( as an added and free benefit ) did consult him in removing his collections.... 

I disputed the Chargeback with PayPal. Naturally I wanted to make sure I had enough proof that I was in the right so I submitted the following to PayPal... 

- Digitally Signed Contract from client stating they agree they received service in full and will only be paying after receiving the service. 
- Text message screenshots from the client stating they were happy with the service, asking for the invoices to be sent to them, admitting they received the dashboard and about XXXX texting conversations showing that I had ample communication with the client. This is not counting the phone calls. 
- screenshot proof of my dashboard showing that the credentials were sent to the client, time stamped, they had and still have access to the dashboard. 
- screenshot proof that the client has even logged into the dashboard - full credit report proof that the client no longer has collections on his credit profile And more... 

PayPal is purposely and negligently REFUSING to properly looking into this case. The buyer is in the wrong. I will not pay PayPal this {$300.00} they took from my account because I have submitted more than sufficient evidence from step XXXX proving that the client has been handled properly. 

Keeping in mind I have never had a chargeback from a client because of how well I handle clients. 

another note is that the client only chargeback XXXX of XXXX payments ... common sense would tell you that if the client was truly unhappy and not just hurting for money, they would have charged back all XXXX charges.... 

the " evidence '' the client submitted ... the screenshot... WAS FROM THE DASHBOARD I SENT HIM THAT HE IS SAYING HE NEVER RECIEVED.

Company response to consumer: Closed with monetary relief