Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am writing to dispute a charge of {$3400.00} to my Pay Pal account Starting XX/XX/XXXX, until XXXX XXXX. I reported the initial known charges to PayPal on their app. I am not sure why they did not take precautions to seize the account and file for charges to be temporally frozen, to protect me at the time of incident. In my app linked charges I messaged that the account was fraudulently initiated and that spammers had accessed my account via an app called XXXX assist. PayPal wanted me to file each complaint, and I could not keep up as I had to file complaints with local law enforcement and then to federal agencies. I was diligent and took screen shots as I could from my I phone to provide evidence to the parties involved. It has been a good faithed effort as wording my compliant in a matter which will be enforced by supporting laws will further my claim. 
XXXX XXXX XXXX is a service provided by XXXX XXXX XXXX. Green Dot manages it, and XXXX manages the Device and apps, services, non-disclosures to their costumers who are trusting XXXX does care because XXXX, is misleading in itself. I trusted XXXX with my new apple wallet because when I got my first Apple XXXX XXXX in XXXX, XXXX encourages new phone owners to have XXXX Pay set up to access the App store and get the most out of their subscription and experience. XXXX eludes that their phones are safe, and updates are to be safe, but XXXX never encouraged me to go through my phone settings to protect myself. I never had trouble with my XXXX. It was small fast, and good enough, but XXXX batteries die in phones after about XXXX years. There is not option to replace batteries as process could damage phone if person did not do it right. I did, but the cost of battery was not worth destroying my phone, In XX/XX/XXXX, my husbands and my iPhones died the same night, and we were forced to go to XXXX and trade them in. I did not have any time to research carriers. XXXX was out of the question as they wanted {$800.00} to set up. XXXX was {$220.00} set up for XXXX XXXX XXXX. 
There have been little recommendations by XXXX or XXXX and XXXX to set the settings to the most secure. One would assume but I know this phone is not and I do not know enough to want to mess with it. 
That set aside, I have not knowingly altered any features which should cause the phone to become vulnerable. I do not even know if I should use XXXX or XXXX to search web. XXXX always recommends XXXX to better ensure their customers are safe. I did not search on XXXX app to find XXXX customer Support number that day, I searched on XXXX and the XXXX  generated a number, and I called it. I did not even look further as the XXXX generated response is what I used. Funny for me, I had called the real XXXX about 2 years ago with my XXXX, and I got useful information. I had the XXXX Customer Support number in my old phone, but apple somehow only ported over most of my numbers but not all. The one is that were missing have been important and infrequently noticed by me as they were important because I saved them to be sure I had the information later. I tried to call the XXXX customer support number in my contacts and only the contacts name was there, and XXXX could not seem to port their own device over to upgrade. Worst of all, when I switched from android to XXXX in XXXX my android ported everything to that little XXXX no problem. Not true with XXXX XXXX XXXX. My old XXXX XXXX was left with no support from XXXX about XXXX years ago and I was forced to by XXXX. The computer does not even function as stand alone. Since XXXX, I always wanted a XXXX so I could experience XXXX band. My XXXX had better sound because it had real us ports to carry the digital signal to the XXXX. My new one I like a lot, but XXXX ruined the inputs for mixing in. My old music is not available as the computer did not have enough app support to save to, I cloud so my new one would have. XXXX lab is free, and next computer is up in the air. 
I feel so violated because XXXX products are expensive, their customer support on devices in the past was great, but after this experience I do not love XXXX anymore. I pray XXXX reconciles this and protects me and my family and treats my complaint seriously. 
On the morning which I called for XXXX customer support, I was only trying to be sure that I documented the possible damages from shipping which were not covered by seller, they were covered by XXXX money back guarantee. They did not use to do that and so I never use to purchase items that did not have a free return policy. 
I was trusting apple to provide me with appropriate XXXX search for XXXX customer support and so I called XXXX per XXXX web generated answer on my XXXX app. I could not get the app to generate the same answer after that as I tried to get URL. I felt safe enough to check web history last night for URL complaints, but XXXX erased my activity from XX/XX/XXXX. There is second search on XXXX initiated by perpetrator. 
The charge is in error because my accounts were breached by a Technician from XXXX XXXX. I have all the transactions and other information which shows the perpetrator which using application to breach my PayPal and he was able to see the codes from my messenger. He was extremely interested in my apple wallet. I felt like I was being cyber hacked and cyberstalked because persons where there waiting to intercept my looking up XXXX and how to fie concern. 
I am writing to dispute a charge of {$3400.00} to my PayPal account from XX/XX/XXXX, to XX/XX/XXXX. I reported the charges to PayPal, but they did not take immediate action to protect my account. The charges were initiated fraudulently through an app called XXXX XXXX, which I accessed via XXXX XXXX XXXXXXXX XXXX. Despite my efforts to report the issue to local law enforcement and federal agencies, PayPal required me to file each complaint individually, making it difficult to keep up. 

XXXX XXXX XXXX is managed by XXXX XXXX  and XXXX XXXX XXXX. I trusted XXXX with my new XXXX XXXX, believing their claims of safety and security. However, my XXXX XXXX XXXX was compromised, and I feel XXXX did not provide adequate guidance on securing my device. My previous XXXX XXXX had no issues, but the batteries died after XXXX years, forcing me to upgrade. 

In XX/XX/XXXX, both my husband 's and my iPhones died, and we had to switch to XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX provided little guidance on securing our new devices. I used XXXX to search for XXXX customer support and called a number generated by AI, which led to the fraudulent charges. XXXX erased my web history from XX/XX/XXXX, making it difficult to trace the issue. 

I feel violated and disappointed with XXXX 's lack of support and security. I pray XXXX takes my complaint seriously and protects me and my family The original number I called was XXXX. Later that day, I contacted local law enforcement per XXXXXXXX XXXXs recommendation and was directed to the FBI. I sent an email supporting that they wouldnt take jurisdiction at the time. This complaint will be forwarded to the XXXX  and the credit bureau and enforced by civil suit, if necessary, due to the loss of credit and potential legal losses. 

Last night, I filed another complaint with the FBI and finally reached the real XXXX. I emailed all parties involved and sent an updated complaint to the FBI now that PayPal has provided the banking information. To this point, XXXX has failed to provide any recourse or accountability. XXXX is negligent, and XXXX is liable for not providing a disclaimer in their app. XXXX supports XXXX by allowing their app in the XXXX XXXX and recommending XXXX for safe browsing. Both negligent actions occurred by following recommended courses, and XXXX is almost maliciously negligent by not providing an XXXX line for all consumers. 

XXXX XXXX litigation The action is citing XXXX XXXX 's litigation generally involves intellectual property disputes, but the company has also been a party in lawsuits that include antitrust claims, consumer actions, commercial unfair trade practice suits, defamation claims, and corporate espionage, among other matters. Examples include harassment related to debt collection, predatory lending, and deceptive trade practices. I believe all the malicious negligence has occurred due to large companies expecting no one to follow through with filing proper complaints, as it is traumatizing. I will follow through and expect XXXX to cover the loss and reconcile with the other companies. I have recommended XXXX products to my friends and acquaintances, but if this issue isnt dealt with appropriately, I will bring a civil suit to reconcile my loss and prevent further loss and deception of others in the future. 

XXXX XXXX litigation The action is citing XXXX XXXX 's litigation generally involves intellectual property disputes, but the company has also been a party in lawsuits that include antitrust claims, consumer actions, commercial unfair trade practice suits, defamation claims, and corporate espionage, among other matters. Examples include harassment related to debt collection, predatory lending, and deceptive trade practices. I believe all the malicious negligence has occurred due to large companies expecting no one to follow through with filing proper complaints, as it is traumatizing. I will follow through and expect XXXX to cover the loss and reconcile with the other companies. I have recommended XXXX products to my friends and acquaintances, but if this issue isnt dealt with appropriately, I will bring a civil suit to reconcile my loss and prevent further loss and deception of others in the future.

Company response to consumer: Closed with monetary relief