Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against XXXX regarding unauthorized debit card transactions made against my XXXX account balance and XXXX improper handling and denial of my fraud disputes. On or around XX/XX/year>, I discovered a series of unauthorized online purchases made through XXXX using my XXXX debit card information. The fraudulent activity occurred overnight while I was asleep and unaware. The transactions consisted of : XXXX {$500.00} Walmart.com charge XXXX separate {$100.00} XXXX charges All occurring consecutively within a very short timeframe overnight Totaling {$1600.00} XXXX discovered the transactions the following morning and immediately reported them to XXXX as unauthorized. These were online card-not-present XXXX transactions that I did not authorize, initiate, participate in, or benefit from in any way. I did not receive merchandise, shipping confirmations, XXXX account access, or any benefit connected to these purchases. The only records available to me are : XXXX transaction records XXXXXXXX XXXX receipt emails generated after each XXXX purchase occurred Despite the highly suspicious transaction pattern, XXXX denied the majority of my disputes and stated only that the transactions were not unauthorized. XXXX did not provide any meaningful explanation or evidence supporting that conclusion. At this time, approximately {$200.00} in disputed transactions remains under review while the remaining substantially similar XXXX transactions from the same overnight fraud pattern have already been denied. XXXX handling of these disputes appears inconsistent and inadequate. The transaction pattern itself strongly indicates fraud, including : Multiple rapid back-to-back charges Repetitive exact dollar amounts Overnight activity while I was asleep Sudden abnormal spending behavior inconsistent with my normal account activity XXXX has not explained XXXX Why these transactions were considered authorized What evidence was reviewed Whether IP addresses, device information, shipping addresses, or XXXX account data were XXXX Whether the shipping information matched my personal information Whether the transactions were linked to my historical account activity in any way The denial emails state that I must submit a written request by mail in order to obtain the documentation XXXX relied upon during its investigation. I am separately requesting copies of that documentation directly from XXXX I am requesting that XXXX : Reopen and properly investigate all denied unauthorized transaction disputes Provide the documentation and evidence relied upon in determining the transactions were allegedly authorized Reimburse the full amount of unauthorized transactions totaling approximately {$1600.00} Comply with all obligations under the Electronic Fund Transfer Act and Regulation E regarding unauthorized electronic fund transfers and debit card fraud investigations I reported these unauthorized transactions promptly upon discovery and cooperated fully with XXXX throughout the dispute process. I am seeking reimbursement for fraudulent debit card transactions that I did not authorize. XXXX involved : XXXX XXXX disputed amount : Approximately {$1600.00} Type of fraud : Unauthorized debit card / card-not-present online transactions

Company response to consumer: Closed with non-monetary relief