Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
To Whom It May Concern, I submit this formal complaint against * * PayPal XXXX Inc. * * regarding its handling of a disputed transaction of * * USD XXXX * * involving * * XXXX * *. This complaint documents a prolonged pattern of misrepresentation, denial of procedural fairness, and neglect of disclosed vulnerability, which resulted in severe financial, medical, and psychological harm. 

I am not making any demand for compensation in this complaint. I seek investigation, accountability, and corrective action. 

-- - # # 1. Case Identification * * * Complainant : * * XXXX XXXX * * * Country of Residence : * * XXXX * * * Company : * * PayPal , Inc . 
* * * PayPal Case Number : * * * * XXXX * * * * * Disputed Amount : * * USD XXXX * * * Merchant : * * XXXX  -- - # # 2. Complete Chronological History of Events # # # a. Initial Dispute XXXX  XX/XX/XXXX On * * XXXX XX/XX/XXXX * *, I contacted PayPal through their officially provided email channel to dispute a charge of * * USD XXXX * * related to XXXX. 

PayPal denied my claim on the basis that the merchant had allegedly contacted me via email. No evidence of such communication was provided to me, despite request. 

-- - # # # b. Failure to Provide Proof or Meaningful Review After the denial, I repeatedly contacted PayPal seeking : * Proof of the alleged merchant email * Reconsideration or escalation of the dispute * A clear explanation of the decision PayPal failed to provide documentation, failed to reopen the case meaningfully, and failed to offer transparent reasoning. The dispute remained unresolved. 

-- - # # # c. Escalating Financial Pressure and XXXX XXXX XXXX XX/XX/XXXX As months passed without resolution, the unresolved charge, combined with broader financial strain and lack of redress, led to extreme distress. 

On * * XXXX XX/XX/XXXX * *, I experienced a severe XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I was hospitalized and later discharged with medical expenses that I was financially unable to manage. 

This event is documented through hospital admission records, discharge summaries, and medical bills. 

-- - # # # XXXX XXXX XXXX With Merchant XXXX XX/XX/XXXX After discharge, on * * XXXX XX/XX/XXXX * *, I contacted * * XXXX directly * * to verify PayPals claim. 

XXXX * * formally confirmed that no email or communication exists under my name or email address * *. This directly contradicts PayPals stated reason for denying my dispute. 

This establishes that PayPal : * Relied on incorrect or unverified information, or * Failed to conduct basic verification before rejecting the claim -- - # # # e. Disclosure to PayPal and Continued Inaction ( XXXX XXXX ) From * * XX/XX/XXXX through XX/XX/XXXX * *, I repeatedly informed PayPal of : * XXXX  confirmation * My hospitalization and medical condition * My financial hardship Despite being explicitly informed, PayPal : * Did not reopen or properly investigate the case * Did not correct the false basis of the denial * Did not provide a written explanation or accountability * Did not escalate the matter to an appropriate review authority This prolonged inaction materially worsened my financial and psychological condition. 

-- - # # # f. XXXX XXXX 2026 Communication On * * XXXX XXXX 2026XX/XX/XXXX * *, PayPal responded for the first time in months. 

The response : * Did not acknowledge prior misrepresentation * Did not address XXXX confirmation * Did not acknowledge the disclosed medical crisis Instead, PayPal framed the matter in a way that effectively closed discussion, without explanation or accountability for the preceding months of inaction. 

Subsequent emails sent by me seeking clarification and resolution received no response. 

-- - # # 3. Conduct at Issue Based on the above facts, PayPals conduct raises serious concerns regarding : * * * Material misrepresentation * * ( reliance on merchant communication that did not exist ) * * * Failure to verify information * * before denying a consumer dispute * * * Denial of procedural fairness and effective redress * * * * * Prolonged neglect after disclosure of severe vulnerability * * * * * Systemic customer-complaint handling failures * * This reflects not a single error, but a sustained failure of process. 

-- - # # 4. Evidence Confirmation I confirm that I possess complete documentary evidence, including : * All PayPal correspondence ( XX/XX/XXXX XX/XX/XXXX ) * XXXX  written confirmation denying any email contact * Hospitalization and medical billing records * Proof of financial hardship All documents can be provided immediately upon request. 

-- - # # 5. Request to the Authority I respectfully request that the appropriate authority : 1. Review PayPals handling of this dispute in full 2. Require PayPal to explain the basis of the false merchant-contact claim 3. Assess whether PayPal complied with applicable consumer-protection and complaint-handling obligations 4. Issue appropriate corrective or preventive directives -- - I submit this complaint in good faith and request acknowledgment and appropriate regulatory review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation