Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX2022, I purchased a jade pendent from a seller though PayPal. Sellers name is XXXX. The item listed online in the pictures seller provided as pure fresh green without visible discoloration or stains. In the sellers description, he used language as Bright color Rare Color, Premium grade Very plump But, the actual item I received is a counterfeited item full of deep dark stains which is undeniable super low-grade stone, and totally not as described as in sellers listing pictures or descriptions. I then contacted PayPal and opened a case with case number XXXX XXXX XXXX - XXXX. On XX/XX/XXXX2022 PayPal informed me that the seller had agreed on full refund, and the full refund would be issued by PayPal after I return the item, also PayPal provided me the sellers return address. I returned the item as requested on XX/XX/XXXX, and uploaded the tracking number in my case in PayPal which is XXXX. The item was received by the seller on XX/XX/XXXX2022. It was delivered successfully. According to PayPals policy and agreement they indicated in the email between the 3 parties involved : PayPal, me and the seller, that once the conditions are met which are : I returned the item and the item is delivered by the address seller provided ( as the indication of arrival and reception ), the effect of full refund should be satisfied. But, PayPal had told me that if the item was lost during the XXXX XXXX XXXX, I would not be able to get my money back, which is contradictory to its policy. Then I contacted my bank XXXX bank for dispute on XX/XX/XXXX2022. And on XX/XX/XXXX2022, I was informed by XXXX that their investigation is not favor in me, due to PayPal 's refusal and evidence they presented. PayPal presented fraudulent and self-contradictory evidences with false claim as the return was never shipped out. PayPal used it as the reasoning for refusing return my payment when two tracking PayPal provided are obviously not matching ( The tracking showing on my shipping label uploaded to PayPal system on XX/XX/XXXX begins with XXXX, and the fraudulent tracking PayPal used as their primary evidence begins with XXXX ). PayPals refusal for issuing the full refund is breaching the contract according the obligation PayPal should fulfill in the dispute of transaction, also is acting as confederate of online intentional scam. As my primary bank XXXX, did not fulfill their due diligent to even notice the obvious wrong tracking PayPal is using for its ' claim. Now I am bearing the damage of being scammed due to PayPal failed to fulfill its obligation and intentionally failed to disclose the crucial information regarding the transaction as the result for misleading, and XXXX failed to fulfill due diligent as the requirement for investigation. Please help me get my money back, since I did not do anything wrong as a victim. I have followed the guidance PayPal provided and cooperated in the hope of resolving this matter. Also, upon agreement of full refund with PayPal and the seller. I have fulfilled my obligation of returning the item regarding the address listed on PayPals agreement. But, now I am the one bearing the economic damage on not having the item that I intended to purchase listed in seller 's pictures, or the {$2200.00}. Please reference the attached evidence for corresponding details mentioned above. Continue : Responding the documents that PayPal provided : 1. Regarding the tracking number presented by PayPal ( showing the label was created ) and comparing the tracking number on the shipping label I created. The number PayPal provided began with XXXX, but the actual number in the shipping label I bought also as evidence PayPal provided is beginning with XXXX. This self-contractionary is not accident, but intentional. In my evidence I presented, on XX/XX/XXXX I have uploaded the correct number in PayPals system ; which indicated that PayPal using a faulty tracking number as reasoning to support them not fulfill their obligation of returning my payment, is intentionally fraudulent. 2. PayPal also provided internal catalog of conversation on XX/XX/XXXX that seller claimed the item was not received or shipped on the same day. Please reference the official agreement that PayPal sent to me on the XX/XX/XXXX regarding condition for full refund and address for return. Also, in my evidence that on the same day XX/XX/XXXX, I have uploaded the tracking information in PayPal and the shipping label for return. And even in PayPals evidence of my shipping label included the time stamp supported my reasoning. For the international primary shipping the official estimate date from USPS is XXXX - 14 days. For PayPal exclusively presenting this faulty claim as their reasoning of refusal of fulfilling their obligation on the agreement between me, seller and PayPal on XX/XX/XXXX, is clear that PayPals intention here is not just breaching the contract, also proactively and intentionally be fraudulent and be part of the scamming activities. 3. Regarding the chat history the seller provided, there is not time stamps on any conversation, but any reasonable person read the content would see the content is about item inquiry and payment which happened before the item was shipped by the seller. Please reference the document attached that according to the seller in the chat and tracking imformation on XXXX, the item was shipped out on XX/XX/XXXX2022, and was received on XXXX/XXXX/2022. Also, please see all the only time stamp the seller provided is from XX/XX/XXXX to XXXX which are prier to the shipping date XXXX, which means all the conversation seller and PayPal presented was before seller even shipped out the item. This is totally irrelevant to the argument. No support to any reasoning for PayPals refusal of returning my payment. 4. All the evidence PayPal provided to back up its reasoning was after XXXX the date that the returned item was successfully delivered to the seller. This support the conclusion that PayPals intentional fraudulent act and intentionally breaches the contract for which it has failed to fulfill its obligation as the safeguard for online scamming activities. 5. Seller has relisted this item online as {$2700.00}. 6. All the information I provided is matter of fact and black and white. Through the truth, we can see how weak PayPals reasoning, claim is and how absurd the intention, motivation behind their illegal fraudulent act.

Company response to consumer: Closed with explanation