Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX PayPal , Inc. XXXX XXXX  foXXXX XXXX XXXX unfair and deceptive practices XXXX XXXX under the XXXX XXXX  Consumer Financial Protection Act ( UDAAP ) XXXX XXXX and XXXX XXXX Electronic Fund Transfer Act ( EFTA ) violations XXXX XXXX. Below is a summary of the issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Harm XXXX XXXX XXXX XXXX XXXX {$2200.00} Stolen XXXX XXXX : Paid to XXXX XXXX for XXXX items, but only XXXX were delivered. 
XXXX XXXX XXXX  PayPals Negligence XXXX XXXX  : Wrongfully denied my XXXX XXXX claim despite clear evidence of fraud. 
XXXX XXXX XXXX  Defamation XXXX XXXX : Falsely accused me of purchasing goods for resale to avoid liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Key Details XXXX XXXX XXXX XXXX XXXX  Transaction Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Partial Delivery XXXX XXXX XXXX XXXX items received on XX/XX/XXXX ( XXXX XXXX : [ XXXX ] ). 
XXXX XXXX XXXX Fraudulent Refund XXXX XXXX XXXX XXXX XXXX issued/canceled a {$2200.00} refund ( XXXX ID : " XXXX ` ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PayPals Violations XXXX XXXX XXXX XXXX XXXX UDAAP Violations XXXX XXXX XXXX XXXX Unfairly denied XXXX XXXX claim without evidence. 
- Allowed seller to manipulate refund process. 
XXXX XXXX XXXX EFTA Regulation E ( 15 U.S.C. 1693 ) XXXX XXXX  : - Failed to resolve billing error ( undelivered goods ) within 90 days. 
XXXX XXXX XXXX  Defamation XXXX XXXX XXXX XXXX Falsely claimed my purchase was for resale, harming my business reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempts to Resolve XXXX XXXX XXXX XXXX XXXX  Dispute Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days * before * delivery ). 
XXXX XXXX XXXX Escalated to Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPals DenialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Final Demand Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( no response ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution XXXX XXXX XXXX XXXX XXXX Immediate Refund of {$2200.00} XXXX XXXX XXXX XXXX  {$2800.00} Compensation XXXX XXXX  for : - Lost business income. 
- Emotional distress and wasted time ( XXXX hours ). 
XXXX XXXX XXXX Regulatory Action XXXX XXXX  against PayPal for systemic fraud enablement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached Evidence XXXX XXXX XXXX. Sellers confession ( * only sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking ( partial delivery ). 
XXXX. PayPals denial letters. 
XXXX. Fraudulent refund attempt ( XXXX ID : " XXXX ` ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds XXXX XXXX XXXX XXXX XXXX UDAAP * * : Unfair denial of XXXX XXXX. 
XXXX XXXX XXXX EFTA 1693 ( f ) XXXX XXXX  : Failure to investigate billing error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfair business practices. 

XXXX XXXX XXXX XXXX  Certification XXXX XXXX  : I declare under penalty of perjury that the foregoing is true and correct. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation