Consumer complaint received 2026-05-18 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: TX

Complaint narrative:
I am filing this complaint against PayPal regarding the denial of three Resolution Center cases I filed on XX/XX/year> against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ) for service-payment transactions where the contracted services were not delivered. PayPal denied all three cases within hours of filing with identical boilerplate language " decision was made based upon the details provided for this case '' and provided no specific reason. The denial appears to be an automated decision based on the platform-level Friends & Family classification rather than a substantive review of the documentation submitted, which included a comprehensive evidence packet, a text-message addendum, and contemporaneous transaction memos. Denied cases : - Dispute Case ID XXXX Transaction XXXX {$1200.00} XX/XX/year> - Dispute Case ID XXXX Transaction XXXX {$1200.00} XX/XX/year> - Dispute Case ID XXXX Transaction XXXX {$1000.00} XX/XX/year> - Total denied : {$3400.00} Critical documentary evidence PayPal ignored : ( 1 ) My OWN PayPal-recorded transaction memo on the XX/XX/year> transaction reads verbatim : " XXXX XXXX payment for XXXX Social Media Strategist. '' This memo, written by me at the moment of payment and stored on PayPal 's own servers, explicitly identifies the role being compensated ( XXXX XXXX XXXX ), the XXXX 's company email at my firm ( XXXX ), and the calendar period of compensation ( XX/XX/XXXX onward ). No reasonable reading supports a Friends & XXXX classification. ( XXXX ) My OWN XXXX memo on the XX/XX/year> transaction reads verbatim : " payment for services. '' This four-word phrase, recorded by PayPal at payment time, is itself dispositive of any F & F classification. ( 3 ) The recipient ( XXXX XXXX ) held a working XXXX role at my company The XXXX under company email address XXXX, which I provisioned for her. She participated in 12+ business meetings recorded by XXXX with specific committed deliverables attributed to her by name. On XX/XX/year>, she wrote in The XXXX 's internal team thread, in her own words : " Sent over final deliverables for XXXXXXXX XXXX XXXXXXXX and signing off of the chats! Wishing y'all the best and feel free to reach out to my personal email if anything else is needed '' her own first-person record of disengaging from the working role. ( 4 ) The pattern of payments is three sequential monthly XXXX payments ( XXXX, XXXX, XX/XX/year> ), not a series of personal gifts. ( 5 ) The contracted Social Media Strategist services were not delivered to the agreed scope. In a XX/XX/year> text exchange, the recipient herself confirmed in writing : when I framed " Anything on those calls and texts are bound to deliverables, '' she replied " Correct '' ; when I said " You haven't done all of them, '' she replied " What else hasn't been done? '' itself an admission. She self-reported " the only week I haven't been actively in communication with them has been the last two due to this conflict '' admitting a two-week active disengagement. Resolution requested : I am asking PayPal to ( a ) reverse the denials and reopen all three Resolution Center cases for substantive human review, ( b ) refund {$3400.00} in full, or ( c ) provide a written explanation that engages with the documentary evidence particularly the verbatim transaction memos that I submitted with the original filings. I have a complete evidence packet and text-message addendum attached to this complaint.

Company response to consumer: Closed with explanation