Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I noticed some charges in my XXXX  account that I had never heard of the merchant before and most definitely did not sign up with. There were 4 charges for {$19.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX for XXXX on XX/XX/XXXX. I disputed these charges on XX/XX/XXXX when I found them. My dispute was denied on XX/XX/XXXX because the transaction matches your authorized spending activity. I called on XX/XX/XXXX to appeal this decision as I have no spending activity with such a merchant and I did not make these charges. On XX/XX/XXXX I received a response that one XXXX charge dispute was denied because it appeared to be a subscription and has been in effect for a few months. I also received on XXXX/XXXX notice that the XX/XX/XXXX charge for XXXX was approved and I received that money back. I contacted XXXX  the exact same day and was told that unless I provided them with new evidence, there was nothing they were going to do about the fraudulent charges. I did not make these charges, and Im well aware that it appears to be a subscription, but it is a subscription that I did not authorize. I want my money back and they are being completely incapable of working with me and refusing to give me my money back.

Another incident that I need to report about my dealings with XXXX  is a transaction that occurred on XX/XX/XXXX for {$410.00} and a fee of {$7.00}. I was attempting to instant transfer money to a different account of mine and right as I push the button to send the money I noticed that the account that I had previously chosen had been switched back on their app to a different account I immediately contacted XXXX  to let them know that the money had been instantly transferred into the wrong account and I needed to transfer to be stopped undone. They told me that there was nothing that they could do that. I had to file a dispute and I have since done So and heard nothing back from the company about where my money is and how to get it back.

The last issue that I have with XXXX  is about a transaction that occurred on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX when I sent a friend of mine {$500.00} and then on XX/XX/XXXX, he returned the money to me as it needed to be given to our landlord in a different manner so I needed the cash. Somehow, the resending of my own money back to me was disputed on his end with his bank, and although once he discovered the error, he contacted his bank and told them that it was not a dispute. It was a valid transaction the money was pulled out of my account on. XX/XX/XXXX I contacted XXXX. I filed a dispute and my dispute was denied. 

I would like all this money returned back to me from XXXX. I honestly feel that theyre thieves and they do not back their customers what serve at all they are quick to deny dispute within literally 24 hours without contacting either the merchant or the party that is finally dispute and asked them for any further details

Company response to consumer: Closed with explanation