Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/XXXX XXXX start looking at my XXXX XXXX acount and see many suspicious withdraws to a Paypal account I barely use. These withdraws and charges total nearly {$1200.00}. I contact Paypal to discuss these charges and file a dispute. 

As I tried to dispute this claim with PayPal, they refuse to help. PayPal said that there is no evidence of unauthorized or fraudulent use. However, records show that someone out of state bypassed their security system and changed the email, XXXX, out of state mailing address, and added a credit card ( XXXX XXXX ) that was not mine. I had them remove all of this information from my account, but for some reason still do not state it was fraudulent. They should be able to retrieve the XXXX address of this hacker and reveal that it was not me, but they adamantly refuse to investigate this further. 

The hackers were able to pull over a XXXX dollars out ( {$1200.00} ) of my XXXX account without PayPal noticing or confirming it was me. This was a flaw in their system. I am the only one that have access to this account. I've never shared this account with anyone. Only I know the password and the password is unique to this only this account.I never received texts or emails that someone was accessing my accounts. 
These people were able to send my money to various crypto accounts, debit cards, and other places out of state that I have no affiliation with. They were sending money to a debit card ending in XXXX, this is not a card that I have ever seen. XXXX was sent to names under XXXX XXXX and XXXX XXXX. I have never met anyone under these names before. 

Paypal said it would take XXXX to 30 days to properly research this issue. PayPal reviewed my account in less than XXXX hours and ended the investigate stating I owed this money to them. They gave no explanation to the obvious fraudulent names, emails, cards, etc. 
They stated that these transactions were consistent with my past transactions. A simple review would show that not XXXX of these charges are consistent with my past transactions. I barely use the PayPal account and typically only use it for a PayPal credit payments ( XXXX transactions a month ). In the last month, approximately XXXX to XXXX fraudulent transactions have occurred that were obviously suspicious. 
This has put an extreme financial burden on our family. They did not take any time to supply any support or assistance. They just stated that the money was gone and they were not at fault despite the obvious fraudulent activity. 

XX/XX/XXXX On this day, I sent a fraud dispute with XXXX. I supply them with all the photos of the charges, emails, names, etc. They investigate the issue and state that they agree the charges were fraudulent. They reimburse my account and notify Paypal. 

XX/XX/XXXX Paypal states that they received the notification from XXXX and placed the amount as a negative balance on my account. Even though XXXX agreed it was fraud and Paypal sent the money to the bank, they state that this is money I owe. They threaten me with sending this amount to collections despite XXXX agreeing that it was fraudulent and their systems error. They are trying to force me to pay back this money regardless that the dispute was in my favor and all evidence points to fraud. 

XX/XX/XXXX After countless calling and messages, they continue to state the case is closed. They continue to block my account and say I have to pay back the fraud charges.

Company response to consumer: Closed with monetary relief