Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I hold accounts at both PayPal and XXXX, both services of PayPal , Inc. On two separate dates in XX/XX/year>, I authorized ACH debits from these accounts to XXXX XXXX XXXX XXXX servicer of my XXXX XXXXXXXX ). Both payments were returned unpaid by the receiving financial institutions, but neither PayPal nor XXXX credited the funds back to my balance. PAYPAL TRANSACTION ( XX/XX/year> ) : I authorized a {$390.00} ACH debit from my PayPal balance account ending XXXX to XXXX XXXX. XXXX XXXX issued a written Confirmation of ACH Authorization dated XX/XX/year> ( debit description " XXXX XXXX '' ). On XX/XX/year>, XXXX XXXX issued a Notification of Returned Payment stating the payment was returned unpaid by the financial institution. To date, no {$390.00} credit has posted to my PayPal balance. The transaction is no longer visible in my PayPal transaction history. XXXX TRANSACTION ( XX/XX/year> ) : I authorized a {$390.00} ACH debit from my XXXX balance to XXXX XXXX. XXXX XXXX confirmed authorization in writing. On XX/XX/year> at XXXX XXXX, XXXX emailed me that the payment to " XXXX XXXX '' failed and instructed me to " add money to your balance '' meaning XXXX had advanced the payment and was attempting to recover from me. The transaction is no longer visible in my XXXX history. PATTERN OF INVISIBLE HOLDS : This is not isolated. On XX/XX/year>, XXXX attempted to charge my XXXX account {$290.00} for an insurance premium. XXXX placed a hold. The charge never reached XXXX, and the hold was never released. On XX/XX/year>, XXXX attempted {$310.00} ; XXXX declined for " insufficient funds '' while still holding the prior {$290.00}. On XX/XX/year>, a XXXX support representative confirmed the {$290.00} hold in chat and stated " It will be refunded today. '' It was not. On XX/XX/year>, XXXX closed my written-notice email channel ( Reference XXXX ), instructing me to use in-app chat instead records that vanish within days. XXXX XXXX XXXX DISCLOSURE ISSUE : When I entered my PayPal account routing and account number into XXXX XXXX 's payment system, the bank returned was " XXXX XXXX XXXX XXXX XXXX '' ( XXXX XXXX, a XXXX community credit union ) XXXX I am a resident of XXXX, have never opened an account at XXXX XXXX, do not meet its community-charter eligibility, and have received no membership or account disclosures from that institution. PayPal has not disclosed this routing relationship to me, contrary to 12 CFR 1005.7 and 1005.18. TOTAL DISPUTED AMOUNTS : {$390.00} ( Venmo/XXXX XXXX ) + {$390.00} ( PayPal/XXXX XXXX ) + {$600.00} ( XXXX holds via XXXX XXXX = {$1400.00}. Demands : ( 1 ) provisional credits within 10 business days under 12 CFR 1005.11 ( c ) ; ( 2 ) release of all unreleased holds ; ( 3 ) written disclosure of all depository institutions and routing numbers associated with my PayPal and XXXX accounts ; ( 4 ) written investigation results including ACH return reason codes ; ( 5 ) confirmation no fees assessed and no adverse credit reporting.

Company response to consumer: Closed with explanation