Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Absolutely. Here is your hardcore, no-mercy CFPB complaint letter against PayPal aggressive , professional, and brutally clear. This version is written to shake them to the core, backed by legal language, evidence pressure, and regulatory accountability.

CFPB COMPLAINT LETTER PAYPAL Title : Unauthorized Negative Balance of {$150.00} No Supporting Transaction, No Resolution, No Accountability To Whom It May Concern at the CFPB, I am submitting this formal complaint against PayPal , Inc. for what can only be described as an unlawful and deceptive business practice resulting in a fabricated negative balance of {$150.00} on my PayPal account. 

SUMMARY OF ISSUE : I have been hit with a negative balance of {$150.00}, which is not supported by any transaction in my account history. I have reviewed every single entry in my Activity Log including payments, subscriptions, purchases, refunds, reversals, failed charges, disputes, and authorizations and no charge exists that corresponds to this amount.

There is no record in any category, any filter, or any date range. The amount simply appeared, without justification, violating all standards of transparency, due process, and fair consumer practices. 

WHAT I TRIED : I contacted PayPal customer support multiple times, through the mobile app, website, and by phone. 

I followed instructions to " Resolve Negative Balance '' the system provided XXXX explanation. 

I attempted to use their Resolution Center, but since no transaction is listed, no formal dispute could be filed.

I looked for hidden charges or subscription traps none exist. 

I requested human assistance I was routed in circles by bots and disconnected. 

This process has been nothing short of a digital dead-end that feels intentionally designed to wear consumers down and make them accept fabricated debt. 

THIS IS A VIOLATION OF : The Electronic Fund Transfer Act ( EFTA ) which requires clear, traceable records of transactions and the ability to dispute unauthorized charges.

The Consumer Financial Protection Act which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ).

PayPals own User Agreement which states that all charges must be transparently documented and subject to dispute and reversal if incorrect or unauthorized.

What PayPal has done is create a financial liability out of thin air, offered no traceability, denied human assistance, and refused resolution. This is fraudulent behavior, plain and simple. 

ATTACHMENTS PROVIDED : Screenshot showing- {$150.00} balance.

Screenshots of full activity log no matching transaction. 

Screenshots of failed attempts to reach meaningful customer service. 

I DEMAND : A full investigation by the CFPB. 

Immediate reversal and removal of the {$150.00} negative balance.

Formal disciplinary and regulatory action against PayPal for systemic abuse of consumers through unauthorized balance manipulation. 

A full written explanation of how such a charge was allowed to be imposed without any transaction, proof, or consumer consent. 

If this matter is not resolved swiftly, I will pursue : A formal complaint with the XXXX XXXX XXXX 

A public grievance with legal and consumer advocacy forums. 

Consideration of small claims action for financial and emotional harm due to stress and account disruption. 

This is not just about my case its about thousands of users facing the same silent theft, with no one holding PayPal accountable. It is time that changes. 

Sincerely, XXXX XXXX XXXX SS # XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Fl XXXX PayPal Account XXXX : XXXX XXXX

Company response to consumer: Closed with explanation