Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Beginning in approximately XX/XX/XXXX through XX/XX/XXXX, unauthorized activity occurred through my PayPal account and linked financial accounts. During this period, unfamiliar email addresses, phone numbers, payment methods, and other account changes appeared that I did not authorize. My old XXXX phone number connected to the PayPal account had already been terminated in XXXX. Because PayPal authentication and login verification were still tied to that inactive number, I was rarely able to access the account normally and typically had to call PayPal directly whenever access was required. As a result, I was not actively using the PayPal account during this period. The only recurring charge I knowingly used through PayPal was an approximately $ XXXX monthly payment connected to the organization XXXX Over time, I noticed that the balance in my linked checking account was gradually decreasing. After reviewing the activity more carefully, I realized that funds were being withdrawn through unauthorized transactions connected to the PayPal account, and I immediately reported the issue. I did not receive any fraud warnings, suspicious activity alerts, or security notifications from my bank regarding these transactions. I formally reported suspected unauthorized access and fraudulent transactions to PayPal beginning on XX/XX/XXXX. Over the following months, I submitted multiple fraud claims, appeals, screenshots, phishing email evidence, transaction records, and supporting documentation. Case Information Case ID : XXXX Date Reported : XX/XX/XXXX Amount Disputed : {$6100.00} USD Status : Denied / Closed by PayPal Outcome : PayPal determined the transactions were authorized after internal review and denied reimbursement despite reports of unauthorized account access, suspicious account modifications, and disputed activity. Case ID : XXXX Date Reported : XX/XX/XXXX Amount Disputed : {$2400.00} USD Status : Closed / Reimbursement Approved Outcome : On or around XX/XX/XXXX, PayPal informed me that funds had been transferred back and were expected to be credited to my linked checking account by XX/XX/XXXX. This resolution occurred only after months of disputes and escalation efforts. Case ID : XXXX Date Reported : XX/XX/XXXX Status : Closed by PayPal Outcome : The case was marked resolved/closed ; however, the funds connected to this disputed activity were never fully received back into my account. Additional Crypto-Related Disputed Transaction Date : XX/XX/XXXX Amount : {$4800.00} USD Description : Unauthorized crypto-related transaction disputed as part of the suspected account takeover activity. Disputed Transactions {$980.00} USD Transaction ID : XXXX {$980.00} USD Transaction ID : XXXX {$1200.00} USD Transaction ID : XXXX {$1100.00} USD Transaction ID : XXXX {$510.00} USD Transaction ID : XXXX {$1200.00} USD Transaction ID : XXXX Actions I Took Reported unauthorized activity and suspected account takeover to PayPal beginning in XX/XX/XXXX. Submitted multiple fraud claims and appeals through PayPals Resolution Center. Reported suspicious account modifications, including unfamiliar contact information and payment methods associated with the account. Provided screenshots, phishing email evidence, transaction records, and supporting documentation. Contacted my linked financial institution regarding disputed transactions and withdrawals. Attempted repeatedly over several months to resolve the matter directly with PayPal before escalating externally. Actions Taken by PayPal PayPal repeatedly stated that internal reviews found no unauthorized use. Multiple claims were denied or closed despite reports of suspicious account activity and unauthorized account changes. One disputed case resulted in reimbursement approval after prolonged escalation efforts. Other disputed transactions remain unresolved or were closed without what I believe was a sufficient investigation into the reported unauthorized access and account takeover indicators. I am submitting this complaint because I believe the investigation and resolution process was inadequate and failed to properly address the reported unauthorized access, disputed transactions, account security concerns, and reimbursement issues associated with my PayPal account. Below please find XXXX link with all the documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief