Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My initial complain ID # XXXX. Unfortunatelly was closed before I could respond on a proper way and time line. My real name is XXXX XXXX XXXX, but my PayPal account has my ex married name " XXXX XXXX XXXX XXXX ''. PayPal has decline to respond to my initial claim by attesting I was not the owenr in the account, but at the same time respond to this issue on their private website. Pls, see attachment letter from them. I am writing to formally contest the accuracy of my recent account statement and to challenge the assertions made by PayPal regarding my identity and the timeline of my transaction dispute. XXXX. Timeline of Initial Transaction and Communication On XX/XX/year>, a transaction in the amount of {$2000.00} on Paypal account was initiated. Due to a lack of available funds, my bank initially rejected this request. On XX/XX/year>, in the late afternoon, I contacted a PayPal customer service representative via telephone and told them about the lack of funds and to cease any attempt to collect the funds. I was told then to contact my bank since they were the only ones to stop the payment. Because the call took place after business hours, my bank was already closed, preventing me from taking simultaneous action with my financial institution. XXXX. Pay Pal Fail to Act on Direct Instruction On XX/XX/XXXX, the late-afternoon call on XX/XX/XXXX, I explicitly informed the representative of the lack of funds and requested that PayPal cease all further attempts to withdraw from my bank account. Despite there being a sufficient window of time to stop the transaction, PayPal ignored this request and directed me to speak with my bank the following day. XXXX. Bank Intervention on XX/XX/XXXX As instructed by your representative, I met with my bank manager on the morning of XX/XX/XXXX. The manager confirmed that the funds had still not been collected by PayPal at that time. I formally advised the bank manager not to authorize any further payments to PayPal, as I had already provided PayPal with a stop-payment instruction. Despite this, PayPal continued to attempt collection for XXXX additional days. On XX/XX/XXXX, Paypal again tried to pull the funds and was almost successful but my bank was able to stop and return the funds to my account. I was told by Paypal customer service representative during a phone call on the XXXX that there was nothing I could do at that point besides talk to my bank ( XXXX XXXX XXXX ) so I did that. Paypal should have this conversation recorded and NOT omit this fact to CFPB. XXXX. Rebuttal to Identity and Verification Claims I am aware of PayPal XXXX claims to the CFPB regarding a refusal to discuss accounts with anyone other than the verified owner. I find this assertion to be a bad-faith delay tactic. PayPal has consistently acknowledged my identity by sending direct, account-specific messages to me regarding this very issue. Their internal records clearly show that they you are communicating with the authorized account holder. Any claim to the contrary is a direct contradiction of their own communication history. They have omitted records of my service phone calls and other documented communication. XXXX. Omission of Records My statement remains inaccurate as it fails to reflect the XX/XX/XXXX late-afternoon service call. I equest that my account history be updated to reflect this documented communication. I have a negative remark of {$2000.00} with Paypal due to an authorized transaction that they had plenty time to cancel it.

Company response to consumer: Closed with non-monetary relief