Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
paypal.me/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Dispute of Charges and Legal Violations** Dear Paypal / XXXX Customer Support/Legal Department , I am writing to formally dispute several unauthorized and deceptive charges made to my account regarding services your platform, XXXX, claims to provide. My notifications of cancellation have been ignored, and the following transactions signify your companys blatant disregard for ethical business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These charges reflect services that were **NEVER RENDERED** and **ALWAYS 1000 % MISREPRESENTED**. Your business model is a giant unethical sales funnel, designed to confuse and exploit users while siphoning money through multiple deceptive merchant accounts. This is entirely unacceptable and demands immediate attention.

# # # Role of PayPal in Deceptive Practices It has come to my attention that PayPal is actively condoning these unethical practices by facilitating transactions through XXXX, a business registered in the XXXX. By allowing XXXX to operate multiple merchant accounts, PayPal is effectively enabling a scheme that circumvents fair business practices and consumer protection laws.

The actions of your organization run afoul of the **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes 501.204**, which expressly prohibits unfair and deceptive acts in trade and commerce, allowing aggrieved consumers like myself to seek damages and restitution. 

Additionally, your companys practices are in direct violation of XXXX XXXX XXXX XXXX, which governs electronic fund transfers, mandating that you provide transparent and truthful information regarding charges to consumers. Failure to do so can result in severe penalties and legal ramifications. 

# # # Scheme to Defraud Consumers The operations of XXXX represent an egregious scheme aimed at defrauding consumers. Your platform entices users with false promises of connections and services, only to impose hidden fees and charges. I demand an immediate explanation for the lack of service delivery that justifies these payments. 

# # # Lack of Transparency and Dishonesty Clearly, your failure to provide proper services while continuing to bill users illustrates a deliberate tactic aimed at financial exploitation. The operational model employed by XXXX resembles that of a carnival sideshowmisleading users into believing they are receiving services of value is nothing short of theft. 

# # # Immediate Legal Actions I will be escalating this matter to the Office of the Attorney General Consumer Protection Bureau in Florida, as well as notifying the Attorneys General in other states where you conduct business. I expect this issue will receive due scrutiny, given the evident patterns of consumer deception exhibited.

I will also be bringing this to the attention of my local congressman, advocating for legislative action against your deceptive business practices. Florida law provides for harsh penalties for violations of consumer protection statutes, including restitution and statutory damages. 

# # # Immediate Demands To resolve this matter satisfactorily, I demand the following : 1. A full refund of all charges totaling ** XXXX XXXX, due to services not rendered. 
XXXX. A comprehensive explanation detailing how your organization intends to rectify these unethical billing practices. 
XXXX. A commitment to implement measures ensuring transparency and true value of services provided. 
4. Immediate deletion of all my personal information, content, and pictures from your records.

5. A formal apology for the distress and inconvenience caused by your company 's unethical practices.

If I do not receive a satisfactory response within **14 days**, I will have no choice but to pursue further legal action against both XXXX and PayPal. Let this letter serve as a final warning regarding your fraudulent practices. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation