Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I discovered XXXX charges on my debit card originating from PayPal for purchases with XXXX I did not authorize or make. The transactions were as follows : {$170.00} {$100.00} Total amount : {$270.00} XXXX more charges were attempted, however, either PayPal or my bank ( XXXX XXXX XXXX XXXX ) flagged them as fraudulent and blocked the charges, rightfully so, because they were not made or authorized by me. Immediately upon discovering the charges, I contacted my bank ( XX/XX/XXXX ), canceled my debit card, and pursued XXXX XXXX they recommended to dispute the transactions. After their review process, I was directed to resolve the matter directly with PayPal, as they indicated PayPal was responsible for addressing the dispute. After numerous attempts to contact PayPal, I was finally able to communicate with them via email. I was informed that the matter would be reviewed and that I would receive a response. Shortly thereafter, I received an email stating that my claim had been denied. Their explanation, Because we clicked a button at the bottom of XXXX back in XXXX that gave them the right to charge my card in the future. Even though I never made or attempted to purchase anything nor did I receive anything from the purchases that were made from these recent transactions totaling nearly {$300.00}. This amount of {$270.00} is significant to my household. I did not authorize these transactions, and I will not accept responsibility for charges resulting from unauthorized use of my debit card/ PayPal account. PayPal states that XXXX, a XXXX company, confirms that these items were shipped to my house and made with my PayPal account. None of this is true and it has been so heartbreaking to know that a bank as large as PayPaXXXX is allowing this to happen to a single mother of XXXX babies, when money is already tight. These purchases are ridiculous. Some XXXX hair bows, and other random little cosmetic items were said to be purchased, almost as if someone were stocking their shelves at their store. If these purchases were legit, why were XXXX of the attempted transactions blocked and flagged as fraudulent? Why didnt I receive anything if they were legit? Why were there so many transaction right in a row? If I were authorizing these purchases, wouldnt I just make XXXX big purchase rather than XXXX separate ones? Also, if for some reason I actually did click something back in XXXX allowing XXXX to charge my debit card, which I didnt, why charge it XXXX years later? A lot of questions PayPal, my bank, and XXXX can not answer. Banks are supposed to be a safe place to keep your money, and yet, I have lost all faith in them. Please help our family get back what was wrongfully stolen from us. PayPals buyer protection policy is a fraud itself. They do not stand by their word and they should be exposed for their false advertising.

Company response to consumer: Closed with monetary relief