Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
First Pay Pal Credit has no idea what they are doing when refunds hit the account. I have sent in XXXX disputes which each one they corrected their errors of not removing the refund from my promotions due. When it comes to disputing a charge I disputed a {$110.00} hotwire charge transaction date XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. After XXXX letters to pay pal credit I just received an email today [ and attached ] that they finally got around to opening my dispute for the {$110.00} XXXX charge of 4 mo prior ARE YOU KIDDING ME??? There are currently XXXX charges on my account that I never purchased. The charge they say and date they give there is no charge of that amount on my monthly statements. It is really scary how they function. If I did not make the purchase and the purchase is not appearing on my statement how could they say I owe the amount they indicate. In addition they never disclose the Merchant the charge was made with? When did that become a secret. I have always paid on time XXXX A plus record however I told them after 6 months back and forth them correcting a multitude of their errors that until they correct my account I will not pay any more as they will put the payments towards charges that ARE NOT MINE. I am attaching the email received by Pay pal credit XXXX/XXXX/XXXX XXXX finally after XXXX faxes to them they finally opened up my dispute i requested on XXXX/XXXX/XXXX for {$110.00} merchant hotwire [ unbelievable ] I have also attached the final fax dispute to them detailing the XXXX remaining charges that are not mine and why. and the XXXX charges that are mine. which when corrected will give me a correct balance due of {$2700.00} not {$4900.00} as they incorrectly state. I have reported this to the credit bureaus completed fraud affidavits on these charges and sent all this documentation to PayPal credit and they still refuse to remove even though these charges never appeared on my statements. Lastly for each of the remaining XXXX charges that are not mine I have attached my statement showing NO WHERE is there a charge for the indicated amount for any merchant at all. I have never dealt with this I do n't know how they defraud the public but will not defraud me. PLEASE help and after YOU REVIEW THE DOCUMENTATION LET ME KNOW IF YOU NEED ANYTHING FURTHER THANK YOU SO MUCH Happy New Year! I have attached XXXX. Attachment XXXX of XXXX is my final dispute sent to them detailing the charges that are mine and the XXXX charges they placed onto my promotional purchase list due them although i never made any purchase for these amounts so attachment # XXXX is each statement that includes the charge dates the state for the XXXX charges and I defy you to find any charge at all for the amounts they say. Again they refuse to disclose the merchant which does n't matter as I never made and there are no charges in the amounts they state. Its a no brainer. Thank you from the my heart for your help. I am on the verge of a nervous breakdown. To summarize attachment # 1 the XXXX charges with no merchant they say i owe and they mysteriously placed on my account even though no charge purchase ever posted to my account for these amounts are as follows : XXXX/XXXX/XXXX for {$710.00} and XXXX/XXXX/XXXX for {$860.00} and XXXX/XXXX/XXXX for {$430.00} and XXXX/XXXX/XXXX for {$240.00} and XXXX/XXXX/XXXX for {$270.00} and XXXX/XXXX/XXXX for {$180.00} and XXXX/XXXX/XXXX for {$710.00} and XXXX/XXXX/XXXX for {$410.00}. So attachment # 2will show you my statements that include these above XXXX dates to show you these charges never appeared ever on my account so they can not be mine. Thank you Attachment XXXX contains XXXX statements under purchases and adjustments to see my purchases none of them are the XXXX above that are not mine hence they are additional of many errors but these XXXX left they refuse to remove.

Company response to consumer: Closed with monetary relief