Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
All time is in EST, I'm not sure if that is relevant. 

On Wednesday XX/XX/year> at XXXXXXXX XXXX I received 2 charges on my main card for {$190.00} from PayPal to " XXXX. '' They were declined, because I had not updated my card in PayPal yet, and that card had just expired a few days before. Immediately after that, at XXXXXXXX XXXX, I received two more notifications from the same card that someone was trying to send {$150.00} to " XXXX  '', that is the account name that the bad actor used to setup a PayPal, they tried that twice and it was declined for the same reason as before. They then, also at XXXXXXXX XXXX, tried to withdrawal {$100.00} twice to my PayPal balance from that same card and was declined for expired card, as before. 

I then saw a notification that my PayPal account sent {$68.00} CAD to someone named XXXX XXXX. I don't know who this is nor do I know anyone in XXXX. They were able to successfully able to get that money to send by trying to use my XXXX XXXX account that I had linked to my PayPal. Mind you, I do not keep money in that account, there was only about {$0.00} in that account for direct debit, which is not anywhere near enough to make that transaction. PayPal sent the money anyway. XXXX later declined the payment for insufficient funds. I also realized that right before the money was spent I received 5 emails of someone trying to change my PayPal password. 

Upon receiving that notification, I walk in my room to my main desktop computer, where I see someone controlling my pc remotely navigating through my PayPal account, trying to send money. I immediately flipped the switch on the back of my computer 's power supply, cutting the power and disconnecting the hacker. I have since wiped the XXXX XXXX completely and reinstalled XXXX XXXX, to remove whatever trojan I had on my computer. 

After seeing that, I change all of my passwords and mark the payment as unauthorized on PayPal via my XXXX. At XXXXXXXX XXXX is when I reported the unauthorized payment on PayPal. At XXXX XXXX PayPal sent me another email saying they found no unauthorized activity. 

I did not contact PayPal after that until Friday XX/XX/year> as I was busy with work and other things. I contacted PayPal around XXXXXXXX XXXX, where I used the text chat to try and appeal the decision. I received an email on XX/XX/year> at XXXX XXXX saying my appeal was denied. I contacted PayPal via text chat again and told them the outcome and what had happened, they suggested I contact XXXX to file a chargeback, even though XXXX declined the charge. I did so. XXXX said there was nothing they could do since it was almost entirely on PayPal 's side of things. PayPal said there was nothing else they could do for me, and suggested I contact the " seller '' ( that's what they called the bad actor 's account ) and " request a refund. '' I've not tried that, as I do not want to contact a hacker, nor do I think that a hacker is going to just give me my money back. 

I will also let PayPal know I'm filing this to escalate things further.

Company response to consumer: Closed with monetary relief