Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I submitted two transfers using PayPals personal account app with funding withdrawn from my debit card. First withdrawal was in the amount of XXXX, and I chose the instant transfer feature and it was selected. The transfer was not instant, but instead held in their account, so the receiver refunded {$260.00} from their PayPal XXXX XXXX account XXXX different feature and was not drawn from my held funds, so PayPal could not have cancelled the transaction on my end making it impossible for it to be a ghost transaction. ) The receiver paid a fee for an instant transfer back to me as a way of refunding my money back. I did not receive the funds in my PayPal balance or my bank account on XX/XX/XXXX, despite the PayPal app claiming I had. As of XX/XX/XXXX, a full days after my refund was posted as refunded back to the original payment method, I do not have the money. 

The second transfer, which was also refunded, was in the amount of {$260.00} instead of {$260.00}. That is the only difference. I do not have my {$260.00} either, making the total {$520.00} which PayPal repeatedly claimed in writing was refunded to my bank account. 

After speaking with my bank, I have it in writing that no attempts for credits or refunds have been made or applied or sent by PayPal on XX/XX/XXXX or thereafter. Therefore, PayPal owes me at minimum {$520.00}, and after many hours and many phone calls and many escalations, no one from PayPal has followed through with the help they promised in their written statements, in any instance. Not once. Without exception, every attempt to resolve this with PayPal XXXX Inc. directly, it remains unresolved due to their corporate wide policy to use psychologically abusive tactics such as gaslighting, deflection, lying, victim-blaming, false promises, etc. 

Any reasonable person would assume by this point, PayPal XXXX Inc. has committed theft by taking, receiving stolen property, corporate fraud, advertising and marketing fraud, falsifying information on financial statements, potential bribery ( why else would the FTC issue refunds via PayPal? ), offering XXXX loans via PayPal before XXXX approval, closing accounts of people who transfer their XXXX to their PayPal balance ( a XXXX XXXX XXXX  of r/PayPal will clarify ), and may I remind you corporate crime causes more XXXX and XXXX damages and suffering than XXXX XXXX CRIMES, like XXXXXXXX, COMBINED. 

The last PayPal representative I spoke to using their resolution center feature call us, which I did again after 6 previous attempts, kept me on the line, hoping I would give up after being escalated approximately 27 times, told me my best chance is to sue PayPal , Inc., and then he hung up on me. 

To recap, federal XXXX  committed by PayPal XXXX Inc. : XXXX. Bank fraud XXXX. Payment ( POS ) fraud XXXX. Corporate fraud XXXX. Fake charities XXXX. XXXX scams ( offering XXXX loans prior to XXXX approval ) 6. Deceptive, misleading, unfair and false business practices 7. Identity theft through offloading information security onto individual consumers ( in the XXXX XXXX XXXX. Theft by taking XXXX. Debit card fraud XXXX. Receiving stolen property XXXX. Internet fraud XXXX. Denial of service XXXX. Money laundering PayPal now claims they must have access to my bank account before they can help me. This came straight from XXXX at PayPals Executive Office. Three other employees had already opened tickets for the purpose of providing me tracing info I could present to my bank. I have it in writing I would receive an email without 24-72 hours to receive the tracing information. Those tickets were closed. I never received any emails with the information. On the contrary, XXXX from the Executive Office says she needs access to my bank account before she may or may not decide to run a trace, which will take up to 10 days. 

Everyone tells me something different. The only consistency is I do not have my funds, and no one has kept their word and delivered on what was communicated me to help locate my funds. 

I provided proof by marking out everything but my name, my banks name, and the credits applied. An absence of both refunds is visible, as well as written confirmation from my bank that PayPal had not attempted to refund me. 

I will include screenshots from my bank proving the funds were in fact deducted. XXXX tried to tell me I was never charged as a justification for gaining access to my private banking information.

Company response to consumer: Closed with explanation