Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
1. Summary of the Unauthorized Transaction On XX/XX/year>, PayPal debited my checking account for {$6600.00}, a transaction I did not authorize. I immediately contacted my bank to dispute the charge and notified PayPal the following day, informing them that this was an unauthorized electronic funds transfer. PayPal opened a dispute on my behalf and advised me to contact the merchant directly. 

PayPal provided the following details regarding the transaction : Transaction ID : XXXX Reference ID : XXXX Amount : {$6600.00} Descriptor : XXXX  2. Communications With XXXX and the Content Creator Upon contacting XXXX, I was informed that the charge reflected the purchase of XXXX gift subscriptions to the creator XXXX  XXXX, each priced at {$200.00} for a threemonth Champions League Tier membership. I never knowingly authorized such a purchase. 

I notified PayPal, XXXX, and XXXX XXXX that the transaction was unauthorized. None of the involved parties have acted in good faith to resolve the issue : XXXX XXXX initially acknowledged the charge may have been accidental, then reversed their position, claiming they couldnt trace the funds to issue a refund. 

XXXX stated they could not issue a refund because XXXX provides a platform which allows content creators to earn a sustainable income, and refund decisions rest solely with the creator. 

3. PayPals Handling of the Dispute Despite the evidence provided, PayPal denied my claim, stating that the merchant had provided sufficient proof that this was a legitimate charge. When I requested this proof, a PayPal manager ( identified as XXXX ) assured me it would be sent within 2448 hours, but nothing was provided.

The documentation PayPal eventually shared was an invoice marked fulfilled. They provided information that does not give definitive proof of authorization as required by Regulation E.

Additionally, upon reviewing the transaction : The listed goods were undeliverable at the time of purchase.

No goods or services were delivered or activated.

I received no access credentials, membership status, digital benefits, or physical items. 

My XXXX account does not show me as an active member. 

The invoice references benefits that were not deliverable, including unreleased physical items and inperson events I never agreed to purchase. 

4. Evidence Provided to PayPal I informed PayPals Claims, Appeals, and Executive Office teams of the following : The transaction was not authorized.

The seller acknowledged the charge may have been accidental.

No goods or services were delivered or made accessible.

The sellers refusal to refund is based solely on internal tracing issues, not on any legitimate fulfillment.

I also clarified that my only prior authorization to this creator was for a $ XXXX  monthly subscription. PayPal incorrectly asserted that this constituted preauthorization for a {$6600.00} bulk purchase. Prior authorization for small recurring contributions does not constitute consent for a materially different transaction in amount, nature, or quantity. 

5. Request for Evidence Under Regulation E I submitted a formal Regulation E request for evidence, asking PayPal to provide : Device information used at the time of the transaction IP address ( es ) Geolocation data Login timestamps Authentication method used ( password, token, 2FA, etc. ) Whether the device matched any of my known devices Internal fraudscreening notes Any logs showing I authorized or approved the transaction To date, PayPals Customer Support, Claims Appeal team, and Executive Office have refused to provide any of this information. XXXX similarly avoided answering these questions, instead pointing only to timestamps without addressing whether I authorized the transaction.

Company response to consumer: Closed with monetary relief