Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX and I need to file a complaint because claim dispute Dispute Case ID XXXX I need that to be appeal to be reopen and investigated again or appeal to be re investigated and assign to a new investigator because I disagree with the decision was made today I need the denied to be changed to in my favor and when I ask a live chat agent to do that for me he or she say it was still in progress investigation and I told no it wasnt because I got a email today saying it was denied and I ask them to send my issue to a supervisor so they can contact me and they claim they will but I dont think they did and I ask them when will a supervisor email but they didnt respond and end my chat on me for no reason but I dont their name and I ask asking yall to investigate and punishment and you can look at the chat log history on my account username at XXXX and my account phone number is XXXX and account email is XXXX and when I check the dispute status over app it say still under view and below it say were reviewing your claim and well keep you updated via email and your app and please review the claim and offer a new decision and if it still denied please offer me a onetime credit for {$22.00} because I really need it badly back and or give me a onetime credit for {$22.00} for the live chat support agent behavior or waive it for me over my issues and put the credit reverse on hold from XX/XX/year> ET to until yall make a new decision and have a update for me and I dont think the business respond and if they did please review and re investigate their reply and my dispute statement and my dispute comment and the agent who help me file the dispute and open their statement and comment as well and further and higher escalation it re investigate it further look into it etc. More updates please add this to my complaint cfbp XXXX because my appeal dispute saw still denied today it need to be investigated again and change to another dispute type Case etc .Appealfor your XXXX case XXXX Inbox XXXX XXXXXXXX XXXX ( 1 hour ago ) to me XXXX XXXX XXXX XXXXXXXX XXXX Your XXXX card dispute has been denied. 

Original transaction : Dispute Case ID XXXX Dispute amount {$22.00} USD Transaction amount {$22.00} USD Transaction ID XXXX Transaction Date XX/XX/year> After reviewing the transaction, we can confirm that the withdrawal was successfully processed and completed at the time of the ATM transaction. Once cash has been physically dispensed and retrieved, PayPal and the merchant ( ATM operator ) are not able to hold responsibility for what happens to the funds afterward, including instances where money may be lost or dropped. 

As the transaction itself was completed successfully and no error was reported by the ATM or network, we are unable to issue a refund or dispute this transaction further. 

Please note that on XX/XX/year> ET, 5 business days from the date of this email, we'll debit the temporary credit of {$22.00} USD from your XXXX  balance. You will be informed when this debit is completed. 
Please make sure that there are sufficient funds in your account to cover both the amount that will be debited and any future payments or purchases. 
If you don't have enough in your XXXX balance to cover the temporary credit that will be debited, you can repay us using your default payment method by clicking the button below. 
Repay Temporary Credit Thank you for using XXXX. 
Please do not reply to this message. 
If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : XXXX Debit Card Department Attn : Dispute Resolution XXXX XXXX XXXXXXXX XXXX, XXXX XXXX United States XXXX XXXXXXXX Please do not reply directly to this email as you will not receive a response. For assistance, please visit our Help Center at XXXX. 
XXXX is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc. 's licenses. 
PayPal is located at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The XXXX XXXXXXXX is issued by XXXX XXXX XXXX pursuant to license by XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX  ; Member FDIC. XXXX and the circles design are registered trademarks of XXXX XXXX XXXX. The card may be used everywhere XXXX is accepted in the U.S. Terms and conditions apply. For details, see the Cardholder Agreement. Use of XXXX remains subject to the XXXX User Agreement. 
For security reasons, you can not unsubscribe from dispute related emails. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.

Company response to consumer: Closed with explanation