Consumer complaint received 2017-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal Complaint Attempt to steal money from my account Paypal has attempted to steal money out of my checking account, by discretely requesting a withdrawal of funds from my bank checking account on file without notifying me prior and without requesting my permission. I have a current dispute with paypal ( see complaint # XXXX ), due to a chargeback paypal claims I am responsible for. Regardless of the fact this chargeback came from a customer who paypal verified as honorable and a payment method paypal also verified as acceptable. I have disputed with paypal that i should not be responsible, because I am the one out over {$2000.00}. I had no way of knowing the charge card used was unauthorized because paypal does not allow sellers access to the information necessary. Additionally, Paypals agreement basically says ; trust us and if you trust us we have your back Paypal charges large fees to use their platform boasting security and seller protection. But, Paypal has policy language that is not reasonably visible to potential buyers/sellers and paypal does nothing to make it known. Paypals user agreement is 51 pages long, 29,592 words and 177,896 characters and 3096 paragraphs. Paypals research informs them a large majority of potential clients will not read the entire user agreement. I have done a but of research, currently have a poll asking paypal users is they have read.
The entire paypal user agreement Approx. half the user agreement 25 percent or less None at all At this time, with 112 responses, current results are : A. 0 B. 2 C. 61 D. 49 In other words, 98 percent of Paypal sellers and buyers have read less the 25 percent of the user agreement. The language in Paypals user agreement allows paypal a way to charge sellers for disputed transactions. Paypal does not provide this information in Plain sight to consumers, sellers or buyers as a deliberate attempt to mislead or seduce consumers to using their platform and paying large fees for Paypals protection. If sellers and buyers were aware of this language Paypal knows they would have a difficult time justifying the fees they charge. As for this complaint, Paypal has attempted to debit my checking account for the full disputed balance prior to the completion of their investigation without my permission. Paypal made no attempt to notify me they would debit my checking account on file, therefore deliberately trying to do so without notification or permission. I am sure Paypal will claim that somewhere, hidden in thousands of words there is language that gives Paypal permission to debit my checking account at any time for any reason they feel appropriate. I am also sure more than 95 percent of the  consumers using Paypal are unaware of this. Hey Paypal, get ready for another class action. But this one there will be no settlement. I want a jury trial and I have the law form that is willing to go the distance.

Company response to consumer: Closed with explanation