Consumer complaint received 2015-08-18 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Today I received a bill in the US mail from PayPal Credit for {$120.00}. The following events happened between XXXX and XXXX today. 
XXXX representatives from PayPal confirmed that my Social Security Number, Date of Birth and order of my first and last name did not match their records. 
The first representative verified me with the account number, balance and last charges. This took XXXX minutes to get to this point. That representative confirmed that the charge was from {$25.00} charge for a service I intended to pay on my credit card. PayPal opened and billed a line of credit for instead of using the credit card I had registered on the account. I had to hold for an unspecified period to be connected with some XXXX in PayPal collections, as apparently the phone number on their written bill is different than the XXXX they use for collections. I had to go to an appointment, so I could not hold. 
I called back and had the same issues with verification. I was put through to the collections department, who was willing to accept payment on the account, but no handle my dispute of the fees ( XXXX times the principal ), because they could not verify my identity. 
They even took my credit card number. A less sophisticated consumer may have given up and paid the bill to clean up their credit and avoid the hassle. 
I asked for supervisor XXXX times. The representative continued to explain why a supervisor could not help me. I then had to resort to shouting down the representative on the hope that either he would hangup or get me to the supervisor. 
The supervisor took the payment and credited the account. He waived the fees. It was interesting that he was able to verify me with the date of birth no one else, including XXXX tries on the automated system could verify. 
How can can a company open an account with a wrong social security number, phone number, possible date of birth and email address? 
How can you charge some XXXX fees on such a loan when that entity lacks sufficient information to identify the person they are loaning money to. How can you be willing to accept payment on an account, but then not properly service the account? The supervisor did not seem concerned with this, which indicates the corporation condones this conduct. 
He, however, was concerned that I had to shout down the rep the speak with the supervisor. 
That being said I felt treated unfairly and harassed by the whole process. The need to shout and argue my way to a supervisor. 
They only use first names. The XXXX representative and the supervisor, both identified themselves with the same first name. The other first names were generic. If this was a litigated matter PayPal could use my inability to properly identify the exact staff members as a weakness in my claim. 
To the best of my recollection only the supervisor advised me that this was an attempt to collect by a debt collector and that any information discussed would be used for that purpose.

Company response to consumer: Closed with explanation