Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX ( XXXX XXXX ) is undocumented ( have him admitting in text ) and have proof of all of this and has created his own documents because its " easy '' and everything is digital now. I recently started working for XXXX for a week and a half until I started noticing all of his platforms had different names. He never had me fill out any employee paperwork or tax info etc. He also told me he had to pay me through XXXX  for my work income until he could get payroll up and running as he claims this is a " XXXX XXXX XXXX ''. XXXX and my XXXX ( aka supervisor in insurance industry ) started seeing all of the red flags as well. So he has a illegal insurance license with fake documents. As soon as we noticed all of this, I started probing him with questions through text and on the phone and he got mad and told me I ask too m. any questions and that i need to stop asking questions and avoided questions. He told me he would call me on a Friday and never called. Never heard from him after that until Sunday afternoon. He tried calling me and i didnt answer, I wanted everything documented in writing. He then started immediately threatening me and trying to gaslight me as if I did something wrong. Told me he was going to have ME arrested and thrown in jail, that the sheriff was going to be at my house on Monday and that he was going to go all " gorilla on me '' if I didnt call him back and resolve this with him in wish i never responded. Minutes later I received emails that my XXXX  income pay from him was being disputed by him and his reason was, he never made these transactions. I not only have proof of all of this but conversation of him asking for my XXXX, telling me he has a small bank in XXXX and that is why he had to pay me through XXXX  and we would figure out a different way to pay me " soon '' me sending him screenshots confirming I got the money with the two transactions XXXX {$300.00} and XXXX {$600.00}. He also disputed my state licenses he was in a rush for me to get and logged on my account and paid for that as well. Also with no contract or agreement of any sort in writing other than us talking through text on XXXXXXXX XXXX & text. XXXX  said they were investigating, i was never contacted to defend and prove and then was emailed that I lost the dispute. Even with me appealing this dispute, i immediately got emails back that it was complete and they couldnt do anything else and my venmo account is not - {$900.00} that I owe to venmo now. They refused to give me any info on the decision and then they further deactivated my account permanently without any reason or proof as to why they were doing this. He is also running a VERY illegal life insurance business w/ final expense insurance. He is working with a call center in XXXX having them call XXXX numbers trying to find insurance customers interested in life insurance. He then takes the calls in the XXXX ( supposedly ) and finishes the sales and submit the applications w/ his illegal life insurance license. This is VERY illegal, he claims we are not " selling the insurance '' all we are doing is " processing the applications '' he is sending all of the commissions made from the policies and paying those to the people in XXXX, claiming the people in XXXX are the ones actually doing the " sales '' Thankfully i had not yet submitted any business. It is very illegal to ". He was rushing my licenses & wanted me to do all the app submissions so if he ever got caught it would all be on me. I have a full 9 page PDF statement on this matter as I had to do this and submit for all of the different investigations being done on XXXX at the moment.

Company response to consumer: Closed with explanation