Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XXXX, XX/XX/XXXX, I received an email from XXXX  about a dispute on my business XXXX  account. The dispute was initiated through my client, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  In the amount of {$130.00} for airbrush tanning services provided to XXXX XXXX for mobile airbrush tanning services. XXXX XXXX received these services in his home on XX/XX/XXXX, and XX/XX/XXXX, for the XXXX XXXX pageant he attended and competed in on XX/XX/XXXX. XXXX XXXX subsequently did not win this pageant. Immediately thereafter this dispute came through my XXXX account. 

XXXX transaction : XXXX, XX/XX/XXXX Dispute ID : XXXX XXXX XXXX  Email : XXXX Venmo attempted to retract the {$130.00} payment per XXXXXXXX XXXX XXXX  request. I do not keep money in my XXXX  account and as such, they placed a hold and then subsequently a freeze on my account until the amount was covered. 

I contacted my client that evening and asked him through text messages what this was all about. He claims he never Initiated any such dispute and that neither he nor his bank knows why this happened. He further stated he tried to reach out to his bank but naturally it was closed until XXXX. He further stated that he had issued a chargeback request against another vendor, Fierce Fashion, in the amount of {$2000.00}. 
I attempted to contact XXXXXXXX XXXX XXXX fraud department on Tuesday and was unable to obtain any information. 

I provided to XXXX as evidence several text message conversations with XXXX XXXX, calendar entries, mile IQ entries for travel to and from his home on said dates, and further communication from my client on the day of that I was on my way - and the day after asking about how his services turned out, to which he replied he was happy with. The subsequent decision thereafter from either XXXX  or XXXX XXXX  was that the chargeback was debited from my account because " we did not receive proof of shipment. '' This was not a shipped product. It was services I provided. 

After further communication with my client, I issued him a XXXX  request covering the chargeback amount, WHICH HE PAID, and I was charged fees on by XXXX  in order to release the freeze on my account. They are holding these funds and an investigation into my account is still ongoing despite no wrongdoing. My client continues to make statements that he did not initiate this dispute and every bit of communication I have provided to XXXX  shows precisely that, even if it was initiated by him, he has covered the debt he requested to be refunded for through his bank. 

Neither XXXX, XXXX XXXX, nor my client will provide me with any documentation as to the validity of this chargeback request. I requested this information from XXXX  and they stated, " we do not get details or documentation from the card issuer for the chargeback... the money is debited by the card issuer and a reason for the dispute is provided. such processes are automated and there is no such communication. ''

Company response to consumer: Closed with explanation