Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I discovered fraudulent charges on my PayPal account totaling {$1100.00} from XXXX. 

I filed a claim with PayPal regarding these fraudulent charges at approximately XXXX on XX/XX/XXXX That claim # is Case # XXXX At approximately XXXX on XX/XX/XXXX I get a response from PayPal stating " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history ''. 

I haven't ordered from XXXX in years so there is no history of XXXX orders in 3 years. 

Secondly, I've never ordered thousands of dollars in products from XXXX so their conclusion is inconsistent with my purchase history. 

PayPal violated and dishonored their own fraud protection policies. It's also clear there needs to be a wide scale investigation into PayPal 's dealings and partnerships, especially with XXXX and other companies. 

As I was conducting research, I was shocked at the number of people who'd experienced this same and were forced to pay fraudulent charges on their PayPal account. 

PayPal is also violating the Electronic Fund Transfer Act Regulation E, which protects consumers from fraudulent charges.

Furthermore, in their own written PayPal has minimized the issue as being " unfamiliar transactions '' and " a disputed payment ''.

This is not the first time I've filed a claim for fraudulent charges on my PayPal account.

On XX/XX/XXXX I filed claim XXXX XXXX which they dismissed and denied as fraudulent charges. I was told to contact the company and take up the issue with the company. The company would not comply. 

I reached out to XXXX to file a fraud claim. Though PayPal denied they were fraudulent charges and is forcing me to continue paying these fraudulent charges, XXXX has frozen my account claiming a chargeback has been processed. This is obviously untrue as PayPal did not refund me for those fraudulent charges. 

So I'm unable to file a fraud claim with XXXX. Furthermore, XXXX referred me back to PayPal to take up the issue with PayPal. 

PayPal claimed to have done a thorough investigation into the matter and state since the address is the same, there is no indication of fraud. 

However, if a thorough investigation was completed by PayPal, there should have been informed uncovered regarding package interceptions, as outlined in this article linked below. 
https : XXXX PayPal 's written statement is proof they are unaware of this issue and serves as proof there was no thorough investigation.

PayPal has made it clear that I am responsible for paying fraudulent charges due to PayPal 's pay in 4 plan and that my card will be charged. This requirement of paying fraudulent charges is a consumer rights violation. 

Furthermore, PayPal has prevented me from removing my debit cards from PayPal 's site, in order to protect myself from further fraudulent charges. 

Again, violating their own consumer fraud protection policies and violating consumer rights. 

At this point PayPal has caused unnecessary stress and exacerbated my medically established diagnosis of XXXX XXXX This has caused me to begin treatments to address this.

Company response to consumer: Closed with explanation