Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint narrative:
Hello. 

First of all, to summarize the details, I sold the product ( XXXX XXXXXXXX XXXX  ) through PayPal - partner XXXX ', but the buyer filed a PayPal claim for absurd reasons, so I submitted a clarification to PayPal XXXX Of course, PayPal raised the hand of the seller and the dispute ended. Then the buyer filed a claim with the credit card company again, and the card company 's reckless refusal to pay ( I didn't hear anything from the credit card company, so I don't know what the credit card company is, PayPal only knows ) was robbed of my sales and goods. 

I will explain in detail with the detailed date and amount below. 

On XX/XX/XXXX, at PayPal 's partner XXXX XXXX, I sold the product to the buyer XXXX XXXX  XXXX, and received a net XXXX USD. 

On XX/XX/XXXX, I sent the product with a delivery fee of XXXX XXXX, and on XX/XX/XXXX, the delivery was completed and the buyer received the product. 

On XX/XX/XXXX, the buyer filed a claim with PayPal, saying he was not sure if the product was authentic, and the reason for this is ridiculous that there is a glue mark on the front toe of the shoe insoles and the front of the left foot insoles is XXXX4mm shorter than the right toe insole. Of course, it is not a part that can be seen by the naked eye or worn, and the buyer puts the cell phone inside the shoe and takes a video to show a picture of that part. For this reason, filing a Significantly Not As Described ( SNAD ) claim would be tantamount to filing a claim that the weight on both sides of the shoe is XXXX different, or that the number of left and right arms sewing stitch on the garment is different. 

I proved that the product was authentic by attaching the purchase details and receipt from a reliable shop to PayPal, and I also attached photos of the date and the buyer 's ID while packing and inspecting the product, proving that the product sold is a new product without any problems. 

PayPal accepted the evidence, but the buyer insisted on a refund, so PayPal will pay for the shipping fee so that there is no damage to the seller, so the seller will make a concession and ask for a refund after returning the product. 

Eventually, I accepted the return of the product and submitted the return address on XX/XX/XXXX, but the buyer did not enter the return tracking or take any action until XX/XX/XXXX, which resulted in the seller winning the claim. 

After that, when it didn't go as planned, the buyer filed a PayPal claim again ( the original terminated claim can not be filed again, but it was assumed that he called PayPal to force it ), but it was naturally ended again with the seller 's victory. 

Then, the buyer filed a dispute with the credit card company on XX/XX/XXXX, and I received no contact from the credit card company and only received a notification that decided to refuse payment on XX/XX/XXXX, acknowledging the buyer 's claim. 

PayPal recommends asking the National Police Agency because the credit card company is a high-ranking institution, so it is impossible to intervene ( PayPal says it is difficult to tell the seller what the credit card company is because it is buyers personal information ). 

it seems clear that there is a problem with the buyer, such as under screening to freeze the buyer 's PayPal account on PayPal or deleting negative feedback from grailed.com. 

Even when the buyer ignored PayPal 's request for return, the intention was clearly visible, but the credit card company 's reckless refusal to pay was damaged to seller. 

I'm requesting please CFPB checks the credit card company through PayPal, and return of my sales money. 

Thank you. 

Sincerely. 

Below is the information required for fact checking. 

Case ID : XXXX Invoice ID : XXXX Transaction ID : XXXX

Company response to consumer: Closed with explanation