Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXPAYPAL CUSTOMER SERVICE  \nPAYPAL, INC.  \nXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXSUBJECT: FORMAL DEMAND FOR FULL REFUND AND CEASE AND DESIST OF ILLEGAL AND UNLAWFUL PRACTICES\n\nTO WHOM IT MAY CONCERN,\n\nTHIS LETTER SERVES AS A FORMAL AND FINAL DEMAND FOR THE IMMEDIATE REFUND OF THE UNAUTHORIZED TRANSACTION IN THE AMOUNT OF XXXX USD, IDENTIFIED BY TRANSACTION ID: XXXX SENT TO THE RECIPIENT EMAIL: PAYPAL-ACCOUNT-XXXX. I DID NOT AUTHORIZE THIS PAYMENT, NOR DID I PROVIDE ANY CONSENT OR APPROVAL FOR THIS CHARGE.\n\nI HEREBY ASSERT THAT PAYPAL HAS VIOLATED MY RIGHTS AS A CONSUMER UNDER MULTIPLE FEDERAL AND STATE STATUTES, INCLUDING, BUT NOT LIMITED TO, THE FEDERAL TRADE COMMISSION ACT (15 U.S.C.  41 ET SEQ.), THE TELEPHONE CONSUMER PROTECTION ACT (47 U.S.C.  227), AND APPLICABLE STATE CONSUMER PROTECTION LAWS. YOUR FAILURE TO PREVENT OR REVERSE THIS FRAUDULENT TRANSACTION CONSTITUTES A CLEAR VIOLATION OF THESE LAWS AND REGULATIONS.\n\nFURTHERMORE, PAYPAL'S ENGAGEMENT IN THIS TRANSACTION, WITHOUT DISCLOSURE OR VERIFICATION, AMOUNTS TO FRAUD AND DECEPTION, AND YOU ARE ACTIVELY COMPLICIT IN THIS ILLEGAL ACTIVITY. YOUR DUAL ROLE AS BOTH A MERCHANT AND A MONEY CHANGER CREATES A SIGNIFICANT CONFLICT OF INTEREST, WHICH BREACHES YOUR DUTY TO FAIRLY REPRESENT AND PROTECT MY INTERESTS.\n\nBE ADVISED THAT ACCORDING TO THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (12 U.S.C.  5301 ET SEQ.), AND THE CONSUMER FINANCIAL PROTECTION ACT (12 U.S.C.  5481), YOUR VIOLATIONS WILL BE REPORTED TO THE FEDERAL TRADE COMMISSION AND ALL RELEVANT REGULATORY ENTITIES. ADDITIONALLY, I INTEND TO FILE COMPLAINTS WITH THE ATTORNEY GENERAL OF EVERY STATE AND PROVINCE IN NORTH AMERICA, AS WELL AS WITH THE CONSUMER FINANCE PROTECTION BUREAU (CFPB), AND ANY OTHER GOVERNING BODY THAT OVERSEES OR REGULATES PAYPAL AND SIMILAR PAYMENT PROCESSORS.\n\nANY FURTHER VIOLATION OR FAILURE TO COMPLY WITH THIS DEMAND WILL RESULT IN LEGAL ACTION, INCLUDING THE PURSUIT OF DAMAGES, PENALTIES, AND INJUNCTIVE RELIEF. THIS INCLUDES PURSUING ALL AVAILABLE REMEDIES UNDER THE LAW, AND REPORTING THIS MATTER TO THE APPROPRIATE REGULATORS AND LEGISLATIVE AUTHORITIES, INCLUDING BUT NOT LIMITED TO PAYPAL'S LOBBYING ARM IN WASHINGTON, D.C.\n\nHERE IS MY DEMAND:\n\n1. AN IMMEDIATE, COMPLETE REFUND OF THE XXXX USD CHARGE.  \n2. A WRITTEN EXPLANATION OF HOW THIS UNAUTHORIZED TRANSACTION OCCURRED AND WHAT STEPS ARE BEING TAKEN TO PREVENT FUTURE INCIDENTS.  \n3. A CONFIRMATION THAT PAYPAL WILL CEASE ALL ILLEGAL PRACTICES AND COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS.\n\nYOU ARE HEREBY ON NOTICE THAT FAILURE TO COMPLY WITH THIS DEMAND WILL RESULT IN FILING FORMAL COMPLAINTS WITH THE FEDERAL TRADE COMMISSION (15 U.S.C.  41), THE CFPB (12 U.S.C.  5481), AND ALL RELEVANT STATE AND PROVINCIAL ATTORNEYS GENERAL, AS WELL AS ANY OTHER RELEVANT REGULATORY AND LEGISLATIVE BODIES. THIS INCLUDES REPORTING YOUR ACTIVITIES TO YOUR OWN LOBBYING AND REGULATORY ARM IN WASHINGTON, D.C.\n\nPLEASE RESPOND IN WRITING NO LATER THAN MONDAY XXXX XXXX XXXX, AT XXXX XXXX EASTERN STANDARD TIME. FAILURE TO DO SO WILL LEAD TO IMMEDIATE LEGAL ACTION AND WIDESPREAD PUBLIC DISCLOSURE OF YOUR ILLEGAL AND UNETHICAL PRACTICES.\n\nTHIS IS A SERIOUS MATTER. I EXPECT YOUR FULL COOPERATION AND COMPLIANCE.\n\nGOVERN YOURSELVESACCORDINGLY,XXXX

Company response to consumer: Closed with explanation