Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What if the PayPal company did receive the chargeback from XXXX XXXX to pay the merchant XXXX XXXX and the credit card company swears they paid them but XXXX says they didn't? As the consumer you ask the XXXX XXXX for proof that literally says we gave merchant or credited them and XXXX XXXX says they don't have no way to give consumer proof only a statement saying reposted chargeback. XXXX XXXX says since they sent everything and its case closed on their end they can not honor my request to resend XXXX anything. XXXX say they don't have any proof they sent this information. They refer me to a chargeback credit card statement. This doesn't satisfy my request. When asked what do I do numerous times they said nothing. I said i guess i'd have to reopen the dispute then i was told if i do that it will make things complicated. I said then i have to do something as I'd like to close the XXXX account entirely. I can't close XXXX account as they have that account open with the {$280.00} case still active. Paypal claim they are not a bank or have connections to a bank when I asked them for that information. I said someone has to process Pay Pal financial documents. They say they are a processing provider not a bank. XXXX says the same thing so they are on the same page with that. Paypal says they are expecting a chargeback as a merchant for paying a merchant. XXXX XXXX XXXX XXXX says they did notify PayPal back on XX/XX/XXXX in the favor of the merchant and provided a chargeback on XX/XX/XXXX. XXXXXXXX XXXX say PayPal and myself was notified on the same date. I told XXXX I didn't recieve a notification on XX/XX/XXXX but i did receive on XX/XX/XXXX. I asked to have th XX/XX/XXXX notification sent to me. I was told only by mail not email when I asked by email. All of this is in the amount of {$280.00} to XXXX. Pay Pal refuses to accept a XX/XX/XXXX settlement letter from XXXX XXXX from me that dispute is closed. Pay Pal saying that is not how it works with them. To this day XX/XX/XXXX PayPal account still says as follows : Disputed amount : {$280.00} USD Seller info : XXXX XXXX XXXX. XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date reported : XX/XX/XXXX Transaction reported XXXX XXXX XXXX. XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$280.00} USD '' " Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/XXXX, XXXXXXXX XXXX. We are working with them to address your issue, and they will get back to you with a decision. Meanwhile, we're also reviewing your PayPal case and will get back to you with updates '' " Case timeline XX/XX/XXXX This case is under review XX/XX/XXXX You shared some info XX/XX/XXXX XXXX XXXX XXXX shared tracking info. '' After several attempts, now that I finally have a reference number that I have been asking from XXXX XXXX Credit Card services through CFPB. Yet I don't believe the XXXX resent that closed settlement. PayPal won't accept any information that I will provide from XXXX XXXX to update or close the PayPal account.

Company response to consumer: Closed with non-monetary relief