Consumer complaint received 2024-08-02 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: NJ

Complaint narrative:
****NOT A DUPLICATE COMPLAINT. PLEASE DO NOT CLOSE**** **FOLLOW-UP TO COMPLAINT XXXX PayPal has not addressed the concern fully and continues to provide false information. Again, I am owed a total of {$870.00}, not {$870.00} for the 18 total transactions stated on the account made to various merchants. In addition, PayPal continues to ignore the fact evidence and repeated statements that I, as XXXX XXXX, am not the person who has created the PayPal account. A fraudster did and has been confirmed by various parties, including my local police chief detective I have been working with, police reports, and PayPals own back-end office ( non-tech or XXXX support team ). In addition, I have asked to share further evidence of media outlets that the thief in question is a known culprit in my community ; very clearly this has been ignored since these news stories very clearly show that a thief has done these types of acts not just to me, but others as well in my surrounding area Im located in. I have asked you also multiple times to stop saying that I created a PayPal account on the first day of XXXX ; very clearly that is ignored. I dont know why you continue to lie and speak on things consistently that dont align with the facts. I am a XXXX person, and Ive even gone out of my way to submit to you XXXX paperwork indicating that I am XXXX. I am showing you several pieces of evidence indicative of everything that proves my story and who I, as XXXX XXXX, am. How fair or right is it for PayPal and especially you to refute my substantiated proof? Very nonsensical, and it shows your stinginess in the matter. Do not respond with statements that I created this account and provided my bank information to PayPal ; I AM NOT YOUR CUSTOMER AND HAVE NO USE ENGAGING WITH YOURS OR RIVALS PLATFORMS ( I.E. XXXX, XXXX, XXXX ). A fraudster did create this account and Ive described how and why above refuting this statement you made here in addition to those made in other complaints to you through CFPB. I do not apply to PayPals Protection Program because I am not your customer, and Id be happy to explain the logic behind that. In addition, even if I was your customer and it was hypothetically my account, I have advised that I went to my bank first to report the first two transactions as that is when I first noticed it. My bank reached out to you and very conveniently that has been shared in the past messages for complaints youve sent to somehow defend your argument. Very clearly it is supporting documentation and proof for me, but very conveniently, it is not being shared by you here. That said, please do not go ahead and share in my experience as if I havent done that already. I would have never gone to PayPal first because once again, I am not your customer in any way. The explanation you gave is evident regarding the process the fraudster used ; my bank account is no longer comprised anymore because my bank was able to behave reactive when I let them know immediately what was going on, including trying to get in touch with you. I no longer use that card and have another card created, and since then, whether it be with PayPal or any other merchant, I have no signs of unauthorized activity on my end since late XXXX  when the last of the PayPal charges were made. I can not contact my financial institution anymore because I went to them first. They can not take anymore power because the charges were made through PayPal, a money transfer service. While your logic is valid, it is flawed in the fact that you are a payment processer, meaning you have your own rules and regulations to follow. My bank can do nothing more to help me. Ive expressed ample times to you that PayPal should get in touch with them for any evidence, but as always, you decide to ignore it. As a final note, I didnt say a PayPal teammate supported me. You and the general 1-800 PayPal team continue to be the only parties denying the ability to give me a refund. Your back-end team and applicable supervisors have confirmed my story and have also apologized for the misunderstanding. There is a big difference there because back-end is not part of 1-800 support. You may wish to speak with them, as they mention they can not initiate refunds because of your companys weird rules and regulations. All the more reason where if I was not XXXX, I would not engage with PayPal. Not entirely relevant to the complaint but worth sharing nonetheless. Get off your high horse and stop playing games because again, this is theft you are committing. I never authorized for my funds to go to PayPal or create an account. My financial institution can not do anything more to help me in this matter because you are a payment processer and there are different rules and regulations involved, something which any logical person could also agree to. You need to take some accountability to speak to my parties again ( applicable merchants, police detective, etc ) and listen to me because I am not telling any lies and have all the proof available to back up what Im saying. Otherwise again, this is theft you are committing.

Company response to consumer: Closed with explanation