Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
XX/XX/XXXX I received four PayPal payment confirmations totaling {$2900.00} to a XXXX XXXX. PayPal says that " This transaction will appear on your statement as PAYPAL * XXXX. '' I do not know a XXXX XXXX. 
I contacted my spouse, who realized he had been the victim of phishing. He immediately advised me to report to PayPal. 
I discover later that my husband was contacted by XXXX asking about sound system services for a wedding, and XXXX XXXX said he wanted to do a XXXX  conference to discuss the services. My husband clicked on the link, but nothing happened. He later saw that someone took over our computer. That's when several transactions were made from my PayPal account. 
These transactions were not authorized by me, nor did I receive any goods, services, or any benefit. I affirm that I do not know XXXX XXXX and have no personal or business relationship with him. The disputed activity was the result of fraudulent, unauthorized access to my account. 
I reported the unauthorized transactions to PayPal via the Resolution Center ; Case opened : XXXX. 
I see that {$770.00} was transferred from my bank to my PayPal account to fund the transaction. I immediately report the breach and dispute the transaction with my bank. 
I filed report with the Federal Trade Commission, Report # XXXX. 

XX/XX/XXXX Filed report with XXXX XXXX XXXX, Report # XXXX. 
I see that another one of my financial accounts showed {$500.00} transfer to PayPal. That account had a {$20.00} balance, resulting in overdraft fees. That morning I visited the financial institution in person and provided them the FTC and XXXX report numbers ; the credit union reversed the transaction and reversed the fees. 
I blocked XXXX XXXX in PayPal app to prevent further unauthorized use. 

XX/XX/XXXX I received PayPal email denying my claim and closing the case in sellers favor. PayPal said its review found no unauthorized use, and concluded that the transactions were consistent with [ my ] PayPal payment history. 
I attempted to appeal through the PayPal Resolution Center, but system navigation prevented escalation. I can't even escalate the issue. 

XXXX XXXX XXXX  My bank reversed {$770.00} transfer to PayPal. 
My PayPal app showed a negative balance of {$1700.00}. 
I reviewed PayPal history since XXXX to document that my past history with PayPal includes transactions that were no more than {$30.00}. 

XX/XX/XXXX XXXX  I send a certified letter to PayPal 's Dispute Resolution Department at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. 

XX/XX/XXXXXXXX XXXX  I receive an email from XXXX that my account has a negative balance of {$1700.00}, and this is an attempt to collect a debt. 

XX/XX/XXXXXXXX XXXX I receive an email from XXXX which says that the email is a reminder of my negative balance of {$1700.00}. 

XX/XX/XXXXXXXX XXXX XXXX I receive an email from XXXX which says that the email is a reminder of my negative balance of {$1700.00}. 
XXXX  I phone PayPal at ( XXXX ) XXXX to talk to a live person to escalate my appeal. I get passed on to four different customer service representatives, each time explaining that the aforementioned PayPal transactions were a result of someone taking over my home computer when my husband clicked on a link, and that I don't know. PayPal said that the transaction was a " Friends and Family '' transaction and thus there was no protection. This XXXX XXXX is not a friend, nor he is family. I don't know who this person is. PayPal customer service said that they will try to contact the seller. 

I affirm that these transactions were not authorized by me, nor did I receive any goods, services, or any benefit. I affirm that I do not know XXXX XXXX and have no personal or business relationship with him XX/XX/XXXX, I still have not received any word from PayPal.

Company response to consumer: Closed with monetary relief