Consumer complaint received 2026-02-16 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: CA

Complaint narrative:
From : XXXX XXXX To : PayPal collector : XX/XX/XXXX XXXX 1. My PayPal account was breeched/compromised/account takeover/hijacked/Identity Fraud on XX/XX/XXXX and XX/XX/XXXX. 
2. In the early morning of XX/XX/XXXX at approximately XXXX Hours, I noticed 2 unauthorized transactions of {$2000.00} each from two people I did not know. 
a. XX/XX/XXXX b. XX/XX/XXXX 3. The two email addresses that were used as PayPal User IDs in the fraud transactions are : XXXX XXXX XXXX XXXX 4. I took the following actions : a ) XX/XX/XXXX I reported to PayPal under the Dispute Center. 
b ) XX/XX/XXXX for PayPal, I changed my password and user ID email address from XXXX to a new XXXX account because my email address account had received over XXXX SPAM emails. I later discovered that on XX/XX/XXXX at XXXX XXXX the email address XXXX was put on the Darkweb on 16 websites. 
c ) XXXX I called PayPal numerous times with this issue and had my account put into a Locked status since I did not know who was taking over my account and was not aware my 2-step verification was turned off. Dispute ticket number # XXXX XXXX XXXX XX/XX/XXXX I called my IT Security Office at work which is a XXXX XXXX Company where I have worked for 45-years supporting XXXX XXXX  with a XXXX XXXX. I requested to have that email account closed due to the high level of SPAM emails. That work email address was removed/deleted from my XXXX account on XX/XX/XXXX. 
XXXX ) XX/XX/XXXX I called my Bank ( XXXX XXXXXXXX XXXX ), and had all my Accounts, Credit and Debit Cards cancelled and closed. I also asked them to decline the two PayPal transactions totaling {$4000.00} that were deducting from my checking account. XXXX recovered the money back into the new checking account the next day.

f ) I made 4 separate requests via email, that PayPal send me documents to show all login history and locations and was declined, only to be told via email my PayPal login history was consistent with past logins. PayPal has REFUSED to provide the information they say that is available and that I have requested. As of today, I still dont know how or where I have been compromised. Prior to the fraud, I had 2-Step Verification turned on. At some point, that was turned off but not by me.

g ) I had my personal computer SCANNED for Malware and for any remote access and all came up CLEAN. 
h ) I called XXXX and had my SIM Card scanned to see if my cell phone number was comprised and that came up CLEAN.

i ) I locked my Credit Report. I have a perfect credit score at XXXX that I worked a lifetime to achieve. 
j ) Filed for an PPIN for filing taxes under ID.me.gov to verify identity. 
k ) XX/XX/XXXX Filed a Police Report with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Incident # XXXX ). 
l ) XX/XX/XXXX At work I requested the Help Desk Cybersecurity Team to recover the emails that are related to any PayPal event. While reviewing those emails, I saw 5 emails, each for a separate change to my PayPal autopay settings. These all occurred after the fraud transactions took place.

m ) I reported to the Internet Crime Complaint Center ( IC3 ) which is a central hub for reporting cyber-enabled crime run by the FBI. 
XXXX ) XX/XX/XXXX Filed a complaint to the Customer Financial Protection Bureau ( https : //www.consumerfinance.gov/complaint/ ) o ) XX/XX/XXXX Reported to ReportFraud ( https : //reportfraud.ftc.gov/ ) p ) XX/XX/XXXX I began changing all of my passwords and setting up XXXX where available Note : on XX/XX/XXXX My XXXX account was hacked with purchase of 3 Gift Cards, XXXX denied the purchase due to a 3rd party access to account and locked my account. I called XXXX and they helped me change my password and security account.

Company response to consumer: Closed with non-monetary relief