Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
b'Your first instinct is gonna be to not believe this, but Im telling you its true and Im scared. If I call the police, theyll arrest me. I just know it and I dont have any choice but to just tell yall, I dont think youll arrest me. I made an order at XXXX  For a grocery pick up order one printer, one coffee and a care plan for the printer when I went to complete the order and pay with PayPal, it told me the items would be deleted and basically the grocery order was gonna go through, but not the items for shipping. OK so I clicked to pay I had no auto pay for XXXX  even though they havent listed as my credit card, but that was actually taken off auto pay from that credit card in XXXX  XXXX. And thats not how Ive been paying and thats not how I even manage my bills at all its not my style. I made sure my preferred bank card was set for XXXX XXXX XXXX  and I double check on this because Ive seen them put me on automatic payments for stuff before when theres no reason to have a specific credit card or payment method assigned to it because its not a subscription. I made sure look and I get 3% online shopping rewards from my credit card, so thats what I wanted to use. I spoke to XXXX  on the XXXX  about a completely different charge on a different credit card not even associated with XXXX  and didnt know what had happened yet. She started issuing refunds. I really didnt pay much attention. But in the morning I looked at my bank account and I was missing $XXXX  oh my XXXX  I got on PayPal and found out that they took money from my bank account and gave it to XXXX  and created a whole order of a box of coffee and printer that I didnt order with the care plan. I double checked to make sure that stuff wasnt there and I did not order that stuff. It completed, which is the grocery order. I looked. It was was left for shipping and it said the box of coffee and Im like well. Why dont I just get whats in stock and then Ill pick it up with my grocery order. So thats what I did. I have no reason to order two printers and two care plans. So iMessage PayPal and tell him they werent authorized to use my bank account and Im freaking out so I called my bank and they investigated it and they refunded my money. Well, XXXX  issued I dont know like $XXXX  at the refund themselves and then PayPal refunded the whole thing so at that point, I guess I had XXXX  extra, but I didnt notice it and less just last night. I noticed the issued another refund into my account again. I was really thinking I have a lot of money not realizing thats what was happening. I dont know if it was an accident or if they intended to charge me again and that they had so they were refunding that too. Because each of those printer orders, including the one that had a box of coffee on, it had two charges a piece assigned to them. I feel like they were really getting ready to take me again and maybe they got ahead of themselves and refunded me thinking theyd already done it. I dont know. The sad thing is I emailed Walmart about it. I told them to reroute the order. I showed them pictures through email. With signs on my door both front doors no deliveries from XXXX. Ill be XXXX. They deliver them anyway. Ive talked to XXXX  a couple times well three if you can through email because I did it that way to you one by phone one by email and one by XXXX. Everybody says they wanna help me to have told me Im getting return shipping labels but they dont give them to me cause Im like I didnt pay for this. I dont want it. I did want one printer when your plan in, but I didnt want to pay with my banking account. Theyre messing up my bill money. But theyre still sitting here in boxes along with the coffee if nobody steals in front of me before then because people be stealing from me to you and hacking me and Im lucky to have anything left of evidence that this happened because now Im locked out on the web browser which is the only way I found out now they have me owing them XXXX  something dollars, but it doesnt just stop there. I cant see this on my app only in the web browser. Once I get to the web browser and view open disputes they decide being the cases and the sellers favor the two biggest ones giving XXXX  until XXXX  XXXX  if XXXX  XXXX  to respond. Theyve already decided in their favor and it says I can dispute it but theres nowhere to dispute it and that wouldnt work anyway. They said my bank unauthorized bank reversal. I checked my account. Its not the first time theyve done it and these dont say that they paid for something at Walmart or wherever they took it and paid it to you. They say transferred to Julie Thomas, but then it subtracted from my balance because Im thinking if its coming from PayPal to me the only time I transfer anything to PayPal is my rewards which hasnt been much. I am completely beside myself. Nobody will even let me return them online. It says I have till XXXX XXXX  to return them but then when I click in, they wont let me start a return it says its not eligible for return due to other Walmart policies. I had a chat with a guy. Im like you know hey I got a refund for these so I didnt pay for them. I dont wanna keep them unless youre trying to give them to me because I didnt pay for them so please just you know let me get them return to you in a way this trackable. I said this to three people nobodys giving me a shipping label. I didnt know how to address the extra money they put in my account because I dont wanna put my cards back in there the day I discovered they did that I deleted everything off there. It wouldnt let me delete one. I didnt want to delete that one cause then Id have to delete my whole account and I wanted to be able to see what they were doing just to make sure and I was right because they are doing some shady stuff in the background. I know PayPal is not supposed to be inside. The bank is wrong to do the reversal and its obviously wrong PayPal and XXXX  have two different times listed for the order creations. PayPals are around one and XXXX  transactions are listed for four something. I see twice they use my bank account to pay for my meds and once they used it to send to XXXX, but at first, when I looked, it didnt even say that it just wasnt anywhere. They put it on my statement without a prior authorization. I guess they were slipping because they put it on the other ones even though they didnt have it, its obvious its not the way I pay. I also dont ever have a PayPal balance if I dont get it from rewards and Ive only had money sent to me from one person that was years ago. The only information I got from them is they did it by instant transfer from me while awaiting the ACH deposit from my bank. Well, I guess they think Im XXXX  because in order to do an instant transfer, it has to come from your debit card. ACH is only come from your bank account and I dont have PayPal credit. Thats a whole Nother story because they took my payments from me and closed my account and told me I still owe them money and they had it the whole time then they refunded me $XXXX  back in air and then I had to give it back to them. I just know I dont wanna authorize use of my bank account to them and I gotta figure it out whats the best course of action Ill be calling my bank today after my dentist appointment I guess this is all making me very unhealthy, but Im telling you I think these people are just a handful of my hackers. I got some transactions that I went through scrolling through before they locked me out online and the ones that the second order and I may be saying this wrong because I cant look at all this and do all this at the same time but anyway the people who ordered the big order and did some of the transactions with the same service used to pay my PayPal credit when I had it and I only use that a couple times and by the way I think they didnt even run it to you that I did on there for $XXXX. I actually kept watching to make sure it came out because they said they didnt get it and they didnt get it within a week so I sent it to them so they had it the whole time. So Im gonna give you what I got and youre gonna have to do your best to make sense of it because its not right. I know your instincts gonna be not to believe a legitimate business would do that, but Im telling you it would be did it because this is not my mo at all. Its not how I managed my money. Id always put the longest time paid with my credit card and then paid it off at the end of the month unless it was 0% interest. I dont ever keep a balance unless its 0% thats me. I try to keep my credit good. It seems very hateful. I feel like theres something else Im supposed to say and man I wish youd reach out to me because I have probably more than Im gonna get you now cause Im XXXX  and just gonna try to unload it while I still have something left on one of my phones im telling Im supposed to go to XXXX  XXXX today because I reported to XXXX  a couple issues but the last one was that someone hacked me and had my name listed as XXXX  XXXX  with my picture and my address but a different phone number. I know thats not who it was. Its just a pretend, but definitely make it obvious somebody was hacking me. I already knew they were in XXXX  for a long time. Whoever all these people are, I knew there was more than one for sure cause it was way too XXXX. I need your help. I dont want to keep this merchandise that I didnt pay for. Theyre not making it possible for me to bring it back. I dont wanna show up with it and I dont wanna call the police because theyre not very helpful either and Im afraid though arrest me.'

Company response to consumer: Closed with explanation