Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting this formal complaint against APPLE.COM/ITUNES and PAYPAL and demand for a full refund regarding an unauthorized and improper charge of {$99.00} processed by XXXX for a XXXX Premium XXXX XXXX XXXX. XXXX NEVER CHARGED ANYTHING FOR THIS TRIAL PERIOD ( I ATTACHED XXXX MY Aaccount BILLS AND TRANSACTIONSSHOWING NO CHARGE ). I Canceled my trial period before the time ended and XXXX CONFIRMED ( ATTACHED ). XXXX XXXX XXXX ). 

This charge was never authorized, never billed by XXXX, and directly contradicts XXXX cancellation confirmation dated XX/XX/year>, as well as the billing records showing no charge for this trial period. 

Despite XXXX verified cancellation of the trial and the absence of any corresponding transaction in my XXXX billing or payment history ( attached ), XXXX nonetheless processed a {$99.00} charge after the trial period ended. 
XXXX did not charge me for this subscription at any point. The only party that processed this amountimproperly and without authorizationwas Apple.com/iTunes. 
This constitutes an unauthorized transaction, a billing error, and a violation of Apples own digital purchase and refund standards as well as applicable consumer protection laws. 

XXXX official refund policy clearly states that for XXXX XXXX XXXX purchases, XXXX is XXXX for issuing refunds, and that refunds are permitted within XXXX ( XXXX ) days when the service was canceled or unused. 

My trial period was canceled before any renewal date, confirmed by XXXX in writing, and no premium services were used after cancellation. This is further supported by the attached XXXX billing and transaction reports, showing no record whatsoever of a {$99.00} charge from XXXX none was ever made. 

After identifying this improper charge, I contacted XXXX XXXX repeatedly and submitted disputes through XXXX channels. 

However, the XXXX representative refused to issue a refund, citing an expired refund window. This justification is invalid and contrary to policy, as the transaction itself was unauthorized, processed after cancellation, and processed by XXXX XXXX. 

An unauthorized transaction is not subject to arbitrary refund-window limitations ; it must be reversed under basic billing-error correction obligations and consumer protection statutes. 

As a direct result of XXXX refusal to correct this error, PayPal ( the default payee ) has now imposed late fees tied to this fraudulent chargecausing additional financial harm, reputational impact, and avoidable distress. 

Apples inaction has therefore created a cascading financial issue that must be remedied immediately. 

Accordingly, I am requesting the following corrective actions without delay : XXXX full refund of {$99.00} to my PayPal account by Apple.com/itunes. 

Written confirmation acknowledging that the charge was processed in error and without proper authorization. 

Notification to PayPal that the transaction was invalid, so all related late fees can be removed. 

Internal escalation and review of this case to ensure compliance with Apples billing, refund, and fraud-prevention requirements. 

Attached are all supporting documents, including : XXXX. My billing and transaction of the XXXX account showing NO CHARGE of {$99.00} XXXX. XXXX refund policy ; XXXX. XXXX email confirming trial cancellation ; XXXX. XXXX billing and transaction records showing no {$99.00} charge ; XXXX. PayPal statements reflecting the improper Apple/iTunes charge and subsequent late fees. 

Given the clear evidence of unauthorized billing and the resulting financial harm, I expect a prompt review, written acknowledgment, and full refund.

Company response to consumer: Closed with explanation