Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was notified by my bank ( XXXX ) via text on XX/XX/XXXX, that a fraudulent {$3900.00} charge was placed through my PayPal account which is covered by my debit card. I went to the bank the next morning. The bank had stopped the transfer but apparently PP went ahead and paid the subject. I only had {$150.00} in my PP account so now it shows as a negative {$3700.00}. PP says I owe it since the person (? ) used friends and family. Even though I only had {$150.00} available PP went ahead and paid this person with their funds and thus I owe them the balance. I filed a fraudulent charge with PP on XX/XX/XXXX and was told I would hear something by XX/XX/XXXX. I received an email from PP on XX/XX/XXXX telling me to contact them, which I did and they said the account was on hold waiting for payment from me. I told them I do not know this person ( XXXX XXXX ) ( if it is a person ), and only keep a minimal amount in my account for just this reason. I asked for verification of where I had authorized the payment and they ignored my request. I set up this PP account over 10 years ago and have not used it in over a year. On XX/XX/XXXX spoke with XXXX ID # XXXX who supposedly created a ticket and sent to dispute team for approval. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, XXXX, and then XXXX XXXX who refused to give me her ID # ). She was supposedly an account specialist in the fraud department and would put a hold on the account. Also spoke with XXXX ( supervisor ), who said she would authorize an investigation with disputes. She refused to talk with me anymore stating my bank needed to contact them. XXXX provided me with a letter stating this was a fraudulent charge and the account had been closed. I called PP and asked for an address to which I could mail the letter and they refused to give me one. They also refused to give me an email address. On XX/XX/XXXX I spoke with XXXX ID # XXXX, then to " XXXX '' and then to supervisor XXXX ID # XXXX. He said they had closed the claim in my favor and had been trying to send {$3900.00} to the closed account so I could REIMBURSE them. I told him to just apply the credit to my account. He refused saying he needed to speak with someone from my bank. I returned to my bank and spoke with XXXX in the fraud department and was told there had been no activity on my closed account except PP had tried to withdraw {$3900.00} again on XXXX, XXXX, and XXXX. My PP account will supposedly turn over to their collection department in 120 days if I don't pay the XXXX XXXXXXXX have put a call into the attorney general and that is how I got your information. Also filed a complaint with Ic3.gov. ( which the dispute super had suggested ). I also filed a fraud charge ( case # XXXX ) with the XXXX police on XX/XX/XXXX. I also changed my password to my PP account. I am XXXX with excellent credit ( which I have worked hard to get and maintain ) and do not want my credit ruined over something that I did not even do. 
The phone numbers used to contact PP XXXX ( PP contact number from my account and XXXX ( supposedly PP collections line ). Thank you for your time and consideration on this matter.

Company response to consumer: Closed with non-monetary relief