Consumer complaint received 2025-08-21 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: SD

Complaint narrative:
On XX/XX/year> my XXXX, XXXX and XXXX accounts were defrauded by an unknown perpetrator who had hacked the XXXX account of a friend ( who ironically happens to be a manager in the fraud department of XXXX ). This fraud and XXXX elder abuse was a direct result of lack security and due diligence of XXXX and XXXX.. As XXXX warns I was using no outside app, account or service, though solely on XXXX between those represented as known individuals, XXXX and XXXX XXXX. Nor was I contacted outside of XXXX or XXXX, all of which you purportedly claim to be safe use of XXXX products. According to XXXX 's claims, this activity should be easily tracked as it all occurred solely within XXXX, XXXX, and XXXX XXXX. The {$1500.00} which was sent to XXXX XXXX from PayPal, was fraudulently charged to my PayPal account. I was not using PayPal at the time nor did I initiate or approve this transaction. I did not enter a passcode on XXXX XXXX as your site claims is required. The details of these transactions say they were paid to my friend XXXX XXXX XXXX, which they were not. The funds were never accessed from my XXXX  account as I closed my bank account and files a fraud claim prior to this happening. XXXX denied my fraud appeal and charged my account $ XXXX that needs to be addressed. Below you will find additional information regarding the transactions : XX/XX/year> XXXX {$1000.00} XXXX XXXX XXXX XXXX Transfer XXXX XXXX XXXX XXXX XXXX - XXXX Pay - {$1000.00} XX/XX/year> Money sent " Transfer to XXXX XXXX XXXX '' XX/XX/year> XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/year> Money sent " Transfer to XXXX XXXX XXXX '' PayPal has denied the fraud claim and say that it was sent Friends and Family, which I had no part in, and did not do. I never accesed PayPal. This is absolute fraud. PayPal XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX Fraudulent Payment XXXX XXXX XXXX I request you refund my {$1500.00} as a direct result of the above fraud. This fraud has been reported to local, state and Federal agencies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Report Case # XXXX Federal Trade Commission XXXX Report # XXXX The Honorable XXXX XXXX United States XXXX XXXX XXXX XXXX And XXXX Governor of the State of South Dakota XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Senate ( I met in his office personally with his staff ) XXXX XXXX XXXX  Fraud Claim XXXX South Dakota Attorney General XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -PayPal says they will refund fraud charges. They said they won't because I used friends and family. I couldn't have selected that because I never went into PayPal. 
XXXXXXXX XXXX website claims the following including requirements to verify identity to utilize XXXX XXXX, which apparently is not the case. Additionally I find it ironic and telling, that the largest tech company in the world require individuals to contact them only by obsolete hard copy mail and withhold all information of emails and phone numbers from the public. I see that XXXX plans to grow XXXX XXXX XXXX system though I suggest they scale carefully to avoid situations such as this. XXXX Claims XXXX XXXX lets you make secure payments on XXXX, XXXX and XXXX. From here you can add a payment method, create and set up a PIN, and find your payment activity. We will continue to expand XXXX XXXX to more countries, apps, and people over time for a seamless payment experience across our apps. Once you enter your payment method and account information, you can use XXXX XXXX to make purchases, send money or donate within XXXX, XXXX and XXXX. Availability and use cases vary by country. ID requirements with Meta Pay Meta Pay ID requests Verify your identity for Meta Pay Types of IDs that XXXX accepts Review settings related to your ID being stored on XXXX XXXX and XXXX. This may look like : Buyers or sellers requesting you contact them by a method outside of XXXX or XXXX such as XXXX, phone, text or email - especially early in your conversation. Conversations that are routed off of XXXX or XXXX make detecting scams difficult to track. Requests to contact other individuals ( example : relatives of the seller ) that are not the true owner of the XXXX account. Users contacting you about a XXXX  listing outside of XXXX XXXX or emails directly from the seller telling you that there was something wrong with your -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This fraud and XXXX elder abuse has been reported to the following : PayPal Fraud Case # XXXX XXXX XXXX @ XXXX Fraudulent Payment XXXX XXXX XXXX XXXX We've completed our review of your unauthorized activity case, and XXXX determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. If we confirm the transaction ( s ) were unauthorized, we'll refund you the full amount. We'll also reverse any unauthorized activity or assist you in restoring your account. If you want to change your case reason, you can do so in the Resolution Center. You can also check the status of your case there. I expect a refund of the {$1500.00} I lost due to fraud within your purportedly safe XXXX system. From PayPal : Here are the details of the one or more transactions you didn't recognize or had issues with : Transaction ID : XXXX Transaction amount : {$1000.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$500.00} USD Recipient email : XXXX XXXX

Company response to consumer: Closed with explanation