Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX i received a call from a person recommending themselves as XXXX XXXX from XXXX XXXX XXXX. This person said they had one of my employees in their custody because they were involved in a car accident and charged with a XXXX, on their way from the doctor. I indeed had an employee that day who went to the doctor so I immediately thought this is real. The officer proceeded to give me personal details about our place of business and my employee. He told me I can not discuss any of this information to anyone otherwise I will be violating HIPPA and can be charged with up to 3 years in XXXX. He connected me to speak to my employee however the call got transferred to dispatch again and I was connected to the officer again. His excuse was that its because i am using a cell phone. After this the person said that I must post bail while on the phone with him or my employee will have to stay in XXXX until XX/XX/XXXX when her court date will be. I asked questions like can I come to the station and pay with cash or check?, can I come talk to her first? And he answered all my questions with information that sounded legal. I had no knowledge at that time about how the legal system works and I assumed the person on the other line was telling me the truth ( again, i believed it was true because I indeed had an employee that went to the doctor that day ). He told me I can pay the bail via XXXX XXXX, XXXX, XXXX XXXX etc. i told him I have XXXX and he proceeded to guide me on how to transfer the money. XXXX has a limit of {$1000.00} per day. I added {$1000.00} in my XXXX account and then he told me to add a debit card that he gave me the number to to my account. I added that debit card to my account like he told me ( the card ending in XXXX ) and then use the instant transfer option to transfer the {$1000.00} onto that XXXX debit card. Once I did that he told me to delete that debit card right away. Once I transferred the money I knew I made a mistake. I told the person I deleted the card but i actually kept it in my account in case I ever needed evidence of a scam ( which I was right about and needed it to show it as proof ). After I stupidly transferred the money I started asking the person on the other line more questions all while I contacted my employee to see if they answered. When they did I confronted the scammer and they kept insisting that its true. I hung up at that point and immediately contacted XXXX and my bank. XXXX was very unhelpful. I filed a claim and I was told I will receive my money back in 10 days. I was never contacted by XXXX to hear my side of the story and a few days later I received an email stating that my dispute was denied. I contacted XXXX again to challenge the dispute. They filed another dispute and this time I was contacted by XXXX to give them more details. I gave them proof of the call, of the debit card that isnt mine, I explained what happened. They still denied me the dispute. I contacted them a third time, they still denied me the dispute. Their reason is that based on my account activity the transaction looks legit, but if you really look at my account activity I have never made a transaction like this before. XXXX if protecting scammers and they dont do anything to help their longtime users when an elaborate scam happens to them. I filed a police report. I am now contacting Consumer Finance in the hopes that someone will eventually help me recover my money. Please help! Thank you!

Company response to consumer: Closed with monetary relief