Consumer complaint received 2019-10-30 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:
PayPal user paid XXXXXX/XX/XXXX over Texas XXXX XXXX XXXX XXXX XXXX XXXX $ on XXXX XXXX XXXX XXXX XXXX $ on XXXX PayPal originally sent all three transactions back to XXXX XXXX as a refund to my prepaid debit card XXXX & XXXX ( according to the changing account records online at XXXX & phone calls with PayPal employees in the XXXX who have poor English & XXXX XXXX employees who have similarly poor English comprehension skills and are in the XXXX ). XXXX XXXX never deposited any money into my account until XXXX & then sent that back to PayPal & informed me that the refund was a provisional credit. However, XXXX fraudulently updated account records to show credit adjustments from PayPal to the account on or about XXXX. 

As of XXXX PayPal is alleging that XXXX XXXX returned the refund for {$37.00} on XXXX after it was refunded XXXX due to a dispute being opened by me with XXXX XXXX on XXXX. However, PayPal advised me to open a dispute with XXXX XXXX regarding the fraudulent and unauthorized transactions on the same day I learned of the fraud and reported it to PayPal on XXXX. XXXX rejected the dispute I opened, despite Paypal immediately agreeing to refund the fraudulent transactions. 

PayPal acknowledged that their user, XXXX XXXX XXXX, charged my card without my permission or my knowledge after PayPal stored my card information on their user 's account without notifying me of this or these charges that occurred after their user made an authorized transaction in the past. 

I have an open complaint with the XXXX XXXX federal reserve regarding XXXX bank failing to return thousands of dollars in similar refunds for the XXXX product. I reported this incident with Paypal to the investigators at the federal reserve but have no confidence in their investigation or process of regulation, based on recent experiences with similar issues. 

Currently, none of the fraudulent transactions have been refunded to me despite Paypal and XXXX repeatedly alleging they have. 

PayPal promised to provide me with the skip trace report showing the money was refunded in XXXX. They alleged it was emailed to the wrong address. However on XXXX PayPal phone specialists alleged the skip trace report and information as to who stole the money, made the fraudulent transactions was " proprietary '' & ultimately it is greendot bank who should be contacted about the money or fraud. 

XXXX XXXX XXXX is a person involved in economic espionage and has had an identity theft problem for years used to defraud me in the past and claims he doesn't know who the money was sent to ( cherry XXXX ). His issue of identity theft is a significant part of the economic espionage yet typically, when reported, it goes ignored. This is most likely because the agencies tasked with regulation of the fraud against me and theft or misuse of XXXX XXXX XXXX 's identity benefit from the fraud and economic espionage conducted against me. 

This complaint is because PayPal never refunded the money or provided any information on the fraudsters that I could use to report this crime to law enforcement or locate where the stolen funds have disappeared to.

Company response to consumer: Closed with explanation