Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am filing this complaint regarding an unauthorized debit card transaction of {$2600.00} related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX months. The transaction details available to me are : Merchant : XXXX XXXX Product : XXXX XXXX XXXX XXXX months Amount : {$2600.00} Invoice Number : XXXX Receipt Number : XXXX Date Paid : XX/XX/year> Payment Method : Debit XXXX I did not authorize this transaction. After discovering the charge, I reported it as unauthorized and my card was blocked/deactivated to prevent further misuse. I contacted the merchant, Anthropic, and requested a full refund and investigation. XXXX stated that because a dispute was filed with the financial institution, the disputed funds were immediately pulled back and XXXX can not issue a direct refund while the dispute remains active. However, I have not received transaction-specific written confirmation showing : XXXX. Whether the funds were actually pulled back from the merchant. XXXX. The date the funds were pulled back, if applicable. XXXX Who currently holds the disputed amount. XXXX. The chargeback/dispute/XXXX/reference number. XXXX. Whether provisional or final credit has been issued. XXXX. The current status of the unauthorized transaction investigation. I am requesting that the financial institution/payment provider properly investigate this unauthorized debit card transaction and provide written confirmation of the dispute status, chargeback/funds pullback status, provisional or final credit status, and who currently holds the disputed funds. Desired resolution : Full reversal/refund of the unauthorized transaction of {$2600.00}. Written confirmation of the current dispute status. Written confirmation of whether the funds were pulled back from the merchant and on what date. Chargeback/dispute/XXXX/reference details. Confirmation of any provisional or final credit due under applicable debit-card unauthorized transaction rules. Confirmation that the unauthorized use of my debit card has been fully investigated. =============== The transaction was for a XXXX subscription service, not a one-time product or one-time service. The XXXX XXXX XXXXXXXX XXXX months plan is a prepaid annual subscription intended to be used continuously over a period of XXXX days. It is a daily/ongoing consumption plan where the service benefit is delivered over time, month by month and day by day, during the full subscription period. Therefore, it can not reasonably be treated as fully consumed immediately or within XXXX day. Since the subscription period is for XXXX full year, any usage or value should be considered proportionally over the XXXX term. Because this transaction was unauthorized and reported promptly, the subscription should have been cancelled/disabled immediately, and the unused portion of the XXXX subscription should not be treated as consumed. This is not comparable to a one-time purchase where a product is delivered and fully used immediately. It is an ongoing digital subscription plan, and the service period had barely started when the unauthorized transaction was reported.

Company response to consumer: Closed with monetary relief