Money transfer, virtual currency, or money service -- Unauthorized transactions or other transaction problem -- Complaint #12218837
Complaint Overview
Complaint ID: 12218837
Company: Paypal Holdings, INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem
State: Delaware
ZIP Code: 19904
Date Received: 2025-02-25T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, a fraudulent transaction occurred on my account, resulting in a charge of {$860.00} for a purchase I never received. Initially, PayPal took the case and we exchanged receipts. However, without requesting any further information from me and only 2 photos from the vendor, they later made their decision, siding with the seller and ending the opportunity for the refund amount. I have strong reason to believe that PayPal did not conduct a proper investigation, as there are multiple legal documents and petitions proving that this transaction was fraudulent. The seller engaged in a bait-and-switch scam, falsely claiming that I was aware of certain stipulationsdespite the fact that the transaction was never made through an online order, and no policies were outlined on the invoice. Adding to the suspicious nature of this transaction, the fraudulent vendor was operating out of XXXX using an account that did not match the businesss actual name. PayPal is not even a valid payment method in XXXX, yet the business in question, operating under the name XXXX XXXX, was still able to process the payment. This raises serious concerns about PayPals enforcement of its own policies and its apparent support of vendors engaging in fraudulent activities. I am seeking a thorough and fair investigation into this matter, as the handling of my case thus far has been both unjust and deeply concerning.
Frequently Asked Questions
What is Complaint #12218837 about?
Complaint #12218837 was filed against Paypal Holdings, INC regarding Money transfer, virtual currency, or money service specifically about Unauthorized transactions or other transaction problem. It was received by the CFPB on 2025-02-25T12:00:00-05:00.
How did Paypal Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Paypal Holdings, INC?
Yes, visit the Paypal Holdings, INC company profile at readthecomplaint.com/company/paypal-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.