Credit card -- Problem with a purchase shown on your statement -- Complaint #18843372
Complaint Overview
Complaint ID: 18843372
Company: Paypal Holdings, INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Virginia
ZIP Code: 226XX
Date Received: 2026-01-19T12:00:00-05:00
Date Sent to Company: 2026-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear PayPal Disputes and Resolution Team, I am writing to formally object to PayPals handling of a clear and documented scam transaction that occurred on XX/XX/XXXX, and to put PayPal on notice of escalation due to repeated and unjustified denial of my dispute. Dispute Case ID XXXX On XX/XX/XXXX, I was contacted via XXXX by an individual offering a professional resume review service. That individual referred me to a seller on XXXX, where I made a payment of {$56.00} USD using PayPal for the service. After payment was made : XXXX XXXX XXXX seller cancelled the order. * No service was delivered. * The XXXX individual who initiated contact disappeared entirely. * The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or misleading profile image of a white woman, while advertising fixing American resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. I submitted all available and relevant evidence to PayPal, including transaction details, screenshots, and communication records. Despite this, PayPal denied my dispute twice, without : * Providing a clear or meaningful reason, * Requesting additional information, * Or making any attempt to contact me for clarification or follow-up. This handling is unacceptable and represents a serious failure of PayPals buyer protection and dispute resolution obligations. A denial without explanation or investigation in a case with multiple obvious indicators of fraud is not only negligent but undermines trust in PayPals platform and policies. As a result of PayPals inaction, I have taken the following steps : * Opened a dispute with XXXX XXXX ( PayPal XXXX ), * Opened a support ticket with XXXX as a final attempt to resolve the matter, * Opened a complaint with CFPB. These steps are the last resort before taking legal action against PayPal for failure to provide reasonable consumer protection and due process. While the disputed amount is {$56.00}, the principle is not the amount but the precedent. I am fully prepared to pursue legal remedies even if the cost exceeds the disputed sum. I am requesting immediate reconsideration of this dispute by a qualified reviewer, along with a written explanation of the prior denials. Failure to address this matter promptly will leave me no choice but to proceed with further legal and regulatory escalation. Please treat this correspondence with the seriousness it warrants. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18843372 about?
Complaint #18843372 was filed against Paypal Holdings, INC regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2026-01-19T12:00:00-05:00.
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 (Credit card) 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.