Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Im reporting PayPal for scam my money for {$2700.00}.

Dispute ID in PAYPAL : XXXX Chronology as follow : 1. PayPal merchant issued me an invoice on XX/XX/XXXX for products in total of {$2700.00} include shipping. Payment terms are installment payment without time deadline. But its stated in the invoice, that if in any events buyer change mind and cancel purchase there is 5 % restocking fee that i take as cancellation fee. Invoice no is XXXX. Its PayPal invoice. Not PayPal merchant private company invoice. 

2. On XXXX XX/XX/XXXX i dispute the transaction estimated case closed on XXXX XX/XX/XXXX. 

3. Package returned back to the merchant XXXX XX/XX/XXXX. Which means 16 days ago. 

4. XXXX XX/XX/XXXX case changed from item not delivered to item significantly different without my permission nor paypal contact me to ask my permission. 

5. XXXX XX/XX/XXXX i complained to PayPal and case changed back to item not received and the progress wiped and back to square one. 

6. XXXX XX/XX/XXXX i submitted complaint towards Paypal to CFPB with report ID XXXX. 

7. XXXX XX/XX/XXXX PayPal response to my CFPB complaint as follow : " Consumer Financial Protection Bureau, which is an independent agency of the United States government responsible for consumer protection for financial companies operating in the United States. Your complaint is regarding a payment that was made using your PayPal account. Upon further review, we have determined that your account in question is not a U.S. PayPal account ; therefore, it is outside the scope and jurisdiction of PayPal 's United States offices. As such, we are unable to address the concerns within your complaint. '' I have 2 questions regarding response from PayPal. First, Paypal operates worldwidely and not a franchise company so why would PayPal saying its out of jurisdiction of PayPal 's United States Office while the fact is PayPal headquarter located in XXXX XXXX USA?? Is this the way PayPal irresponsibly wants to escape from the fact of scamming my money of {$2700.00}? Second the merchant of PayPal that scam my money is located in USA. So is PayPal still wants to say its out of jurisdiction?

8. Today i called paypal and recorded the call where the CS admitted its still PayPal responsibility regardless where the account based. And promised to refund me for {$2700.00} after validate with XXXX that item already received back by the merchant. The merchant not responded to PayPal and PayPal does not want to do any efforts to contact XXXX and confirm if item received back despite i already submitted prove given by XXXX USA. Today i contacted XXXX USA. and got the proof of delivery that i attached here. If PayPal still does not acknowledge the proof of delivery meana its very clear of PayPal intentions to scam my {$2700.00}. 

9. I will gladly share this record with CFPB if needed. And just for PayPal information, the call that recorded will be using as evidence if i report this to United States Police Force. In XXXX PayPal still not responding nor refund my money.

10. The upper management contacted previously will be also included in my report to the Police. 11. PayPal asked 1 day and 10 hours from the call made 3 hou
rs ago to give case outcome and proceed the refund of {$2700.00}. If its still an empty promise and a lie also a scam. I requested CFPB investigate PayPal based on the call recording that i keep.

Company response to consumer: Closed with explanation