Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal XXXX XXXX Payment dispute handling / failure to properly investigate goods-not-received dispute I am filing this complaint regarding PayPals handling of a payment dispute involving a purchase that was * * never delivered * *. # # # Transaction details * Purchase platform : XXXXXXXX XXXX XXXX XXXX Order # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transaction amount : XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX Only {$15.00} refunded XXXX XXXX XXXX XXXX XXXX Remaining disputed amount : XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX PayPal Transaction ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXX PayPal Case ID ( financial institution dispute notice ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX What happened I used PayPal ( linked to my debit card ) to purchase musical equipment on XXXX. Shortly after the purchase, XXXX Trust & Safety team indicated the seller was under review/ potentially fraudulent and instructed me to request a refund/ open a PayPal dispute. I did so promptly, but the merchandise was XXXX XXXX never delivered XXXX XXXX Despite clear fraud indicators and non-delivery, only XXXX XXXX {$15.00} XXXX XXXX was refunded, and I have been unable to obtain a full and competent review. I believe the transaction was denied/handled based on invalid or disputed shipment tracking, even though no valid delivery to me occurred. # # # Additional fraud indicators After I opened the dispute, I received repeated calls and XXXX messages from a party claiming to be associated with PayPal ( Security Training Team ) attempting to discuss the disputed transaction and referencing the seller. I preserved screenshots and did not provide sensitive information. This appears to be a dispute-related impersonation / social-engineering attempt and further supports that the underlying transaction involved fraud. # # # Problem with PayPals handling PayPal later sent correspondence indicating the matter was with my financial institution ( bank ), but PayPal remains central to the transaction and dispute history. PayPal has not provided a meaningful explanation of how the transaction/delivery was validated, and I am still missing the vast majority of my funds. # # # Supporting documentation I have documentation including : * Police report ( non-delivery, fraud indicators, disputed tracking concerns, impersonation attempt ) * FTC fraud report confirmation XXXX XXXX correspondence showing seller review/ fraud concerns and refund-related communications * PayPal correspondence including case details and financial-institution routing * Screenshots ( XXXX refund status, XXXX impersonation attempt ) # # # Fair resolution requested I request that PayPal : 1. Conduct a competent review of this transaction and dispute history ; 2. Provide a written explanation of what was refunded and why only XXXX XXXX {$15.00} XXXX XXXX was returned ; 3. Provide the basis for any delivery validation relied upon ( recipient name/address match, proof-of-delivery details, signature, package weight/dimensions, and tracking validation if applicable ) ; 4. Coordinate with the financial institution as needed and * * refund the remaining {$4400.00} XXXX XXXX if valid delivery to me can not be proven. This was a legitimate purchase on a legitimate platform, but the merchandise was never received and the dispute handling has been inadequate.

Company response to consumer: Closed with monetary relief