Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute PayPals handling of multiple customer disputes associated with my seller account and to request immediate corrective action regarding the improper reversal of funds, account restrictions, and resulting financial damages. I received official correspondence from PayPal stating that I had ten ( 10 ) business days to respond to customer disputes filed against my account. However, despite this stated timeframe, PayPal proceeded to side with the buyers, issue refunds, and close the cases within approximately one ( 1 ) business day without providing me any meaningful opportunity to respond, submit evidence, or present my side of the dispute. As a direct result of PayPals actions : Buyers received full refunds ; Buyers retained the merchandise ; My seller account was charged refund amounts and associated fees ; My PayPal balance is now negative in the amount of {$520.00} ; My account was restricted, limiting my ability to manage invoices and conduct business operations ; PayPal sent communications to my customers indicating transactions may have been fraudulent or scams, which caused additional customers to panic and file disputes. This conduct has caused substantial financial harm, reputational damage, emotional distress, and unnecessary hardship for both myself and my family. The following transactions are included in this formal complaint : Transaction ID : XXXX Merchant ID : XXXX Amount : {$67.00} Transaction ID : XXXX Merchant ID : XXXX Amount : {$100.00} Transaction ID : XXXX Merchant ID : XXXX Amount : {$67.00} Transaction ID : XXXX Merchant ID : XXXX Amount : {$67.00} Transaction ID : XXXX Merchant ID : XXXX Amount : {$97.00} For every transaction listed above, valid tracking information confirms delivery of the merchandise to the customers. Despite confirmed delivery and receipt of goods, PayPal refunded the buyers while simultaneously allowing them to retain the merchandise, effectively causing me to lose both the product and the payment. Additionally, I incurred multiple fees charged by PayPal during these refund processes. At no point was I provided a fair opportunity to submit documentation, dispute the claims properly, or speak with a representative willing to conduct a reasonable review of the evidence. I have repeatedly contacted PayPal customer service seeking assistance and escalation, yet my concerns continue to be dismissed without adequate investigation. I respectfully request the following actions immediately : A full review and reopening of all disputes referenced above ; Reimbursement of all improperly refunded funds ; Reversal of all associated fees charged to my account ; Removal or correction of any negative account balance caused by these transactions ; Removal of any unjustified restrictions placed on my account ; A written explanation regarding why the disputes were closed prior to the stated response deadline. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief