Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
XXXX refused to use default method of XXXX credit due to a ghost transaction that does not appear on my statements and was effectively charged for twice on XXXX transaction. There was no sign that my original transaction was even declined no message, no email, nothing. I even tried to cancel the whole transaction when I saw later on when my balance on my debit card went down but I couldnt do that either. My balance was enough to cover the total but for whatever reason it decided to just auto use another card without my permission on the transaction. This I found out was on purpose with later transactions. I changed my default payment to see what would happen made a payment and that card was not used even though funds were available on the account my debit card was charged XXXX  times on XXXX transaction ( see screenshot ). This is theft and fraud. Theft because they took money not authorized on a transaction and fraud because it shows I paid with XXXX credit but it wasnt used for the transaction. Ive tried going through my bank they said I need to go to the source either the merchant or the payment director and both have not provided me with anything despite saying they would. 

I have the following : Screenshot of Ghost transaction that does not appear on my statements that charged me twice on XXXX separate cards on XX/XX/XXXX Screenshot of XXXX saying I would get a {$7.00} refund in XXXX business days Support saying they cant find the transaction though i found it with no problem in my same account ( twice ) XX/XX/XXXX and follow up XX/XX/XXXX ( Havent received this either from XXXX ) Screenshot of my payment method the one I confirmed not being used at all or even being denied on XX/XX/XXXX Screenshot of order issues along the the fix that never came within XXXX policy of XXXX days twice on XX/XX/XXXX and a follow up on XX/XX/XXXX Multiple Screenshots of me immediately contacting XXXX and XXXX regarding XXXX of wrong card and no refund with multiple back and forth emails claiming I would be compensated XXXX XXXX Screenshot proof of a flawed transaction system that charged my cards XXXX  times on XXXX and did not even use my default Payment on XX/XX/XXXX proving there is a system error Formal complaint to cfpb where they told me to do what I already did and give them more details of the case so they investigate themselves and do nothing XX/XX/XXXX along with screenshots Along with XX/XX/XXXX I set my default card got an email confirmation of it and that card was still not charged first minutes later Screenshot of direct receipt saying XXXX credit STILL Investigated themselves over the allotted XXXX days Maximum per their policy and made me wait extra ( see screenshots ) Failed to auhthorize/authenticate transaction Failed using given payment method Failed following their own policy of a XXXX XXXX  day decision Failed system which charges debit cards multiple times on a singular transaction instead of default payment options Failed system that that does not tell me my transaction on my card did not go through and not given permission to use another card Failed system that has all information but still needs more information Failed system that charges me twice on XXXX transaction even if it goes through and the leftover transaction appears pending for more than XXXX days even though it was not the default card. 

Failed system that does not let you cancel/modify a transaction after its already charged Failed support system that directs me to a center where I cant see details being provided by them just a result

Company response to consumer: Closed with explanation