Consumer complaint received 2026-05-04 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: FL

Complaint narrative:
I woke up on XX/XX/2026 to two fraudulent transactions on my PayPal account. The time stamped on PayPal was, respectively, XXXX XXXX and XXXX XXXX ( not sure if that's local time or a different time zone automatically set by PayPal ). The first transaction was {$9.00}, and its order summary states " XXXX XXXX XXXX - XXXX XXXX '' ( Transaction ID : XXXX, Invoice ID : XXXX ). Once that test transaction was successful, they proceeded with a second transaction for {$2700.00}, with order summary stating " Personalized Design Univer nuoyao - XXXX XXXX '' ( Transaction ID : XXXX, Ivoice ID : XXXX ). The shipping contact and address are the same on both transactions, as follows : " XXXX XXXX user XXXX XXXX XXXX XXXX XXXX, FL XXXX United States '' The transactions are currently still confirmed on my PayPal account, though I filed a claim yesterday as soon as I found out, which is still under investigation on their end. The two payments were set to be collected via my XXXX checking account ( that was linked to my PayPal account up until my manual removal yesterday ), and they were indeed attempted as ACH debit transactions yesterday. I filed a claim with XXXX as well yesterday, and they were able to put a stop payment order for the major charge ( {$2700.00} ), while the smaller charge ( {$9.00} ) has temporarily been reversed by XXXX while they further investigate my claim also. In the meantime, I also tried to reach out to the company that is registered and operating at the shipping address above, which one of their representatives on the phone described as a shipping company that forwards packages to clients. Upon quick XXXX search, it seems like they generally take care of shipping between US and XXXX. Their representative on the phone said that they have 5 different clients under the name " XXXX XXXX '', and that therefore they wouldn't be able to identify the person responsible for this fraud, nor to block the corresponding packages that have fraudulently been funded with my PayPal account. Finally, this morning I filed a Police report at the XXXX XXXX XXXX Police Department ( Case # XXXX XXXX, XXXX XXXX ). Seller info : " XXXX XXXX XXXX XXXX XXXX '' Ship to : " XXXX XXXX user XXXX XXXX XXXX XXXX XXXX, FL XXXX United States '' Transaction IDs : # XXXX - " XXXX '' # XXXX - " XXXX '' Invoice IDs : # XXXX - " XXXX '' # XXXX - " XXXX '' Order summary : # XXXX - " XXXX XXXX XXXX XXXX Qty : 10 {$1.00} XXXX XXXX {$0.00} Amount {$1.00} Shipping {$7.00} Tax {$0.00} Total {$9.00} '' # 2 - " XXXX XXXX XXXX XXXX Qty : 4 {$2400.00} XXXX XXXX {$79.00} Amount {$2500.00} Shipping {$58.00} Tax {$170.00} Total {$2700.00} '' Reported on XX/XX/2026 to the XXXX XXXX XXXX Police Department. Address : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone number : XXXX Case # : XXXX XXXX XXXX XXXX Reported on XX/XX/2026 to FBI-IC3. I have reached out to PayPal for a resolution of this case several times, averaging at least one call per day since XX/XX/2026. The resolution keeps being postponed with no ground for denial, as it has been proven several times that the transactions were fraudulent and unauthorized by myself or anyone that I'm connected to or associated with.

Company response to consumer: Closed with monetary relief