Consumer complaint received 2026-03-18 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: NC

Complaint narrative:
I was checking my PayPal activities and saw several transactions of different sets of equal amounts move from my linked bank account to PayPal " general savings '' which I had no clue about and were not done by me. So I got on to chat with PayPal and a PayPal agent told me these were done from the bank and not by PayPal giving no seriousness to the matter. I went to the bank and looked up all my setup and could not find where I had some money transfer setup to transfer money like that ( several of them on a single day ) to PayPal. I could not find anything but got busy with work and could not get back to PayPal. Then on Friday XX/XX/year> received two messages on my Phone XXXX from XXXX that said " PayPal : Did you try to use your PayPal Debit Card XXXX for a {$400.00} USD purchase at XXXX? Reply YES or NO. Text STOP to turn off texts for this card. '' and " PayPal : Did you try to use your PayPal Debit Card XXXX for a {$400.00} USD purchase at XXXX? Reply YES or NO. Text STOP to turn off texts for this card. '' and another one from XXXX " PayPal : Did you try to use your PayPal Debit Card XXXX for a {$400.00} USD purchase at XXXX? Reply YES or NO. Text STOP to turn off texts for this card. ". I answered No immediately and went to PayPal App to check as I remembered those unknown transactions were there that I did not make. I saw the below transactions : Last week XXXX {$400.00} XX/XX/XXXX. Payment - PayPal Debit XXXX XXXX XXXX {$400.00} XX/XX/XXXX. Payment - PayPal Debit XXXX XXXX Coinbase {$400.00} XX/XX/XXXX. Payment - PayPal Debit XXXX XXXX XXXX From XXXX XXXX + {$140.00} XX/XX/XXXX. Added to PayPal balance PayPal Digital Gifts {$100.00} XX/XX/XXXX. Payment XXXX XXXX {$0.00} XX/XX/XXXX. Payment 2 weeks ago XXXX To XXXX XXXX {$97.00} XX/XX/XXXX. One time transfer XXXX To XXXX XXXX {$49.00} XX/XX/XXXX. One time transfer XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX From XXXX XXXX + {$1400.00} XX/XX/XXXX. Added to PayPal balance Interest payment + {$0.00} XX/XX/XXXX. Added to XXXX XXXX Account for the user TS To XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX To XXXX XXXX {$240.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX To XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX. XXXX time transfer XXXX To XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX To XXXX XXXX {$240.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX. XXXX time transfer XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$97.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$240.00} XX/XX/XXXX. Failed - Transfer from Bank XXXX XXXX XXXX XXXX + {$240.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$240.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$240.00} XX/XX/XXXX. Transfer from Bank PayPal Digital Gifts {$100.00} XX/XX/XXXX. Payment XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Failed - Transfer from Bank XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$140.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$140.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$140.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank XXXX XXXX XXXX XXXX + {$49.00} XX/XX/XXXX. Transfer from Bank besides the ones that I know are my transactions. The XXXX transactions were in Pending status at this time. I tried to contact PayPal support by only chat was available and could not really do much. I looked up my profile and saw that the primary phone number, primary email address and primary address had all been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I could not get the full number ), XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, respectively. I quickly changed my password and I started taking pictures of my screen and changing them back to my phone, email and address which made me change my password one more time. I was able to change email and address but not the phone number. Then I had to wait until XXXX XXXX EST for their agents to come online and reported the matter asking them first to change my phone number to be the primary. The agent help me change the phone and also created a case picking all the transactions that I told were not authorized. I was assured that PayPal will review and take care of this. I tried checking back via the PayPal app but could not really see any status updates. Yesterday, I noticed that the case was closed for all transactions and all I got back was that they were authorized transactions and now XXXX transactions that were pending were processed successfully. I tried hard to challenge the decision via their app and today using their website but it would not allow me to do anything at all. I am so confused what to do and have lost so much money due to PayPals negligence and although I have MFA protection on my account using Authenticator App and text someone was able to get into my account change my profile details apply for cards, move money, buy gift cards, all without my authorization and PayPal said they were all authorized.

Company response to consumer: Closed with monetary relief