{"took":138,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18299227","_score":21.965935,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Narrative I have been experiencing issues with my PayPal account for several weeks. During this time, I contacted PayPal multiple times to request a replacement debit card, but my requests were ignored and no card was issued. \n\nBetween XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions appeared on my account from a merchant listed as XXXX XXXX. When I reviewed my PayPal balance and transaction history, no clear information about these charges was available. I contacted PayPal immediately and opened disputes. One of the disputes was denied in under two minutes, with no explanation or indication that a proper investigation occurred. I called again to escalate the issue. \n\nOn the morning of XX/XX/year>, I received several emails, each sent only seconds apart, stating that the escalated disputes were also denied. No reasoning or details were provided in any of these denials. The merchant has no publicly available contact information, making it impossible for me to address the charges directly. \n\nI am filing this complaint because PayPal failed to properly investigate the unauthorized transactions, follow required consumer protection procedures, or provide any transparency regarding their decisions. I am requesting that these cases be reopened, properly investigated, and that the disputed funds be refunded. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-11-20T17:14:44.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"760XX","tags":null,"has_narrative":true,"complaint_id":"18299227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-20T17:09:58.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> I have been experiencing issues with my <em>PayPal</em> account for several weeks. During this time, I contacted <em>PayPal</em> multiple times to request a replacement debit card, but my requests were ignored and no card was issued. \n\nBetween XX/XX/<em>XXXX</em> and XX/XX/year>, multiple unauthorized transactions appeared on my account from a merchant listed as <em>XXXX</em> <em>XXXX</em>. When I reviewed my <em>PayPal</em> balance and transaction history, no clear information about these charges was available."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[21.965935,"18299227"]},{"_index":"complaint-public-v1","_id":"19359179","_score":20.868378,"_source":{"product":"Credit card","complaint_what_happened":"This filing serves as both a rebuttal to PayPals XX/XX/XXXX response to Complaint No. XXXX and a new complaint based on updated documentation, new evidence, and new contradictions introduced by PayPal. PayPals internal XXXX XXXX has repeatedly failed to accept the documents they require, making it impossible to comply with their stated process. I am therefore submitting all requested documents through the CFPB portal, along with a detailed explanation of the unresolved unauthorized activity, PayPals contradictory statements, and the procedural barriers preventing resolution. \n\nFull Narrative 1. Summary of the Issue My PayPal account experienced unauthorized access and unauthorized activity between XX/XX/XXXX and XX/XX/XXXX. This resulted in : Depletion of my PayPal balance Unauthorized billing agreements Unauthorized charges Legitimate payments being forced onto PayPal Credit A missing {$10.00} refund A permanent account limitation that prevents me from completing PayPals required steps PayPals XX/XX/XXXX response contains factual inaccuracies, internal contradictions, and procedural impossibilities that prevent resolution. I am submitting updated documentation to correct the record and request a full investigation. \n\n2. PayPal Admits a CredentialBased Account Compromise but Provides No Evidence of Containment PayPal acknowledges that on XX/XX/XXXX, a third party accessed my account using my email and password and sent an unauthorized payment. PayPal refunded the payment, confirming the compromise.\n\nHowever, PayPal does not state : When the compromise was contained Whether the attacker retained access Whether the attacker created or modified billing agreements Whether the attacker changed security questions or funding sources This omission is critical because the disputed activity occurred after the confirmed breach. \n\n3. PayPals Own Actions Contradict Their Claim That I Authorized the XXXX Billing Agreement PayPal claims I initiated a XXXX billing agreement on XX/XX/XXXX, which resulted in 26 charges totaling {$3700.00}. \nHowever, PayPal also states that on XX/XX/XXXX, they permanently limited my account due to recent reports of unauthorized activity. \nIf the XXXX billing agreement were legitimate, PayPal would not have permanently limited my account for unauthorized activity three weeks later. Their own actions contradict their narrative. \n\n4. PayPal Claims I Have Not Provided Required Documents, but Their System Prevents Submission PayPal states that I must : Provide governmentissued ID Confirm my bank account Update my security questions Identify unauthorized transactions However : A permanently limited account can not update security questions A permanently limited account can not confirm a bank account The upload portal repeatedly fails and has failed in the past This creates a procedural impossibility : PayPal demands steps that their own system prevents me from completing. \nI am therefore submitting all documents through the CFPB portal, including : Governmentissued photo ID XXXX bank statements XXXX account verification letter Transaction history showing unauthorized activity Supporting documentation 5. PayPal Reframes My Complaint to Avoid Addressing the Actual Issue PayPal states they found no withdrawals or transfers, but my complaint did not allege withdrawals or transfers. \nMy complaint stated : My PayPal balance was depleted My funding source was changed Legitimate payments were forced onto PayPal Credit Unauthorized activity occurred in XXXX My account was compromised My balance and refund were not restored PayPals response does not address these issues. \n\n6. PayPal Claims They Can not Identify the Disputed Transactions While Listing Them PayPal states they can not determine which transactions I am disputing, yet they list : XXXX XXXX XXXX Private Internet Access Gamefound These are the exact transactions referenced in my complaint. Their claim that they can not identify them is factually incorrect. \n\n7. PayPal Ignores the FundingSource Manipulation Issue Entirely My complaint clearly stated that : My PayPal balance was used without authorization My funding source was changed Legitimate payments were forced onto PayPal Credit PayPal does not address : How my balance was depleted Why PayPal Credit was used Whether the attacker changed my funding hierarchy This is a material omission.\n\n8. Updated Documentation Provided Through CFPB Because PayPals internal system has failed multiple times, I am submitting the following through the CFPB portal : Governmentissued ID XXXX bank statements XXXX account verification letter Transaction history showing unauthorized activity Additional supporting documentation This includes evidence of the XX/XX/XXXX unauthorized charges and the XXXX activity that PayPal claims was authorized.","date_sent_to_company":"2026-02-09T18:21:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"19359179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-09T18:16:24.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This filing serves as both a rebuttal to <em>PayPals</em> XX/XX/<em>XXXX</em> response to <em>Complaint</em> No. <em>XXXX</em> and a new <em>complaint</em> based on updated documentation, new evidence, and new contradictions introduced by <em>PayPal</em>. <em>PayPals</em> internal <em>XXXX</em> <em>XXXX</em> has repeatedly failed to accept the documents they require, making it impossible to comply with their stated process."]},"sort":[20.868378,"19359179"]},{"_index":"complaint-public-v1","_id":"19576984","_score":20.698425,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX : PayPal , Inc . \nConsumer Product : Prepaid card, money transfer, or virtual currency -> Money transfer Complaint Narrative : I am filing this complaint against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX services ( VIP access/QR codes ). Immediately upon receipt of the funds, the recipient engaged in \" bait-and-switch '' tactics and failed to provide the service. \n\nThe evidence of fraud is as follows : Non-Delivery : The seller provided a login and link that were immediately non-functional, claiming \" technical maintenance '' only after the funds were sent. \n\nFraudulent Misrepresentation : The seller made false claims about \" XXXX blocking access '' to justify the lack of delivery. \n\nInconsistent Information : The seller 's \" support '' persona admitted they did not have access to the product they had just sold. \n\nI provided PayPal with timestamped chat logs showing the sellers immediate pivot to excuses once the money was transferred. PayPals \" Purchase Protection '' is intended to cover services not received. By rejecting my claim, PayPal is allowing a known fraudulent actor to use their platform to solicit funds under false pretenses and move those funds out of the reach of the consumer. \n\nI am requesting that the CFPB compel PayPal to re-examine the evidence provided, reverse this fraudulent transaction, and investigate the recipient 's account for suspicious activity. \n\nDesired Resolution : A full refund of {$49.00} and a formal review of the recipient 's account to prevent further consumer harm.","date_sent_to_company":"2026-02-18T02:21:16.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"19576984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-18T02:14:47.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> : <em>PayPal</em> , Inc . \nConsumer Product : Prepaid card, money transfer, or virtual currency -> Money transfer <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> against <em>PayPal</em> for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : <em>XXXX</em> <em>XXXX</em>, Email : <em>XXXX</em> ) for <em>XXXX</em> services ( VIP access/QR codes )."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[20.698425,"19576984"]},{"_index":"complaint-public-v1","_id":"16288073","_score":18.115372,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX Synchrony Bank ( PayPal Credit ) Product : Credit card or prepaid card Issue : Threatened to take legal action / Harassment / Failure to validate debt Company : XXXX XXXX XXXX ( on behalf of Synchrony Bank ) Account Type : PayPal Credit Card Last Payment : XX/XX/XXXX Complaint Narrative : I am filing a complaint against XXXX XXXX XXXX ( XXXX  ), who is attempting to collect a debt on behalf of Synchrony Bank for a PayPal Credit Card account. I have repeatedly requested proper debt validation, which I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). \n\nDuring a recent phone call, a representative from XXXX threatened to sue me and take legal action if I did not pay immediately. This occurred before any proper debt validation was provided, and while they were still using an outdated address from XXXX and an invalid email address. When I asked for validation, the representative became hostile, mocked me, and said I must have gotten that from XXXX. She then raised her voice and continued to speak to me in a demeaning tone. \n\nI later spoke with a manager named XXXX, who acknowledged the outdated contact information and stated that a new debt validation letter would be sent to my correct address. I am still waiting for that letter. \n\nIn addition to the threats and verbal abuse, I have been receiving daily phone calls from multiple different numbers, even after blocking them. These calls occur multiple times a day, which I consider to be harassment. \n\nI am requesting that : XXXX XXXX XXXX cease all communication with me except to provide proper written debt validation. \nThe debt be removed entirely from their collection efforts and any credit reporting, due to their failure to validate and their use of intimidation tactics. \nThe CFPB investigate this incident for violations of the FDCPA, including harassment, deceptive threats of legal action, and failure to provide proper documentation. \nI receive written confirmation that no lawsuit will be filed and that the debt will not be pursued further unless fully validated. \n\nI have documentation of the call and am prepared to provide further details if needed.","date_sent_to_company":"2025-10-01T20:31:23.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"16288073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-10-01T20:30:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Synchrony Bank ( <em>PayPal</em> Credit ) Product : Credit card or prepaid card Issue : Threatened to take legal action / Harassment / Failure to validate debt Company : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( on behalf of Synchrony Bank ) Account Type : <em>PayPal</em> Credit Card Last Payment : XX/XX/<em>XXXX</em> <em>Complaint</em> <em>Narrative</em> : I am filing a <em>complaint</em> against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em>  ), who is attempting to collect a debt on behalf of Synchrony Bank for a <em>PayPal</em> Credit Card account."]},"sort":[18.115372,"16288073"]},{"_index":"complaint-public-v1","_id":"6951867","_score":18.112762,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I'm filing this complaint against PayPal for unresolved and outstanding issues regarding Fraudulent activity made on my PayPal account. \n\nI was disputing a fraudulent seller ( XXXX ) on PayPal whom withdrew funds using PayPal and provided no goods or services. \n\nI ordered a {$55.00} electric shaving razor my PayPal account was drawn for the transaction and I received no product and/or shipment or service. I reached out to the seller to no avail. My emails were ignored and the contact phone numbers were disconnected. \n\nI sent a series of emails to PayPal to dispute the seller as fraudulent. And was told that because I filed a dispute with the credit/debit card XXXX Bank that I would be required to work with that credit entity solely until the dispute is resolved. \n\nBecause PayPal provided guaranteed payment protection and refunds due to fraud... I contacted requesting that the cancellation of the initial claim with XXXX ( as communicated through PayPal ) shall not proceed. \n\nHowever upon contacting PayPal regarding the issue and escalating the issue with the XXXX XXXX XXXX. PayPal determined 'falsely ' that the XXXX Bank dispute was still pending an outcome which is not true. \n\nThe XXXX Bank claim is resolved and the PayPal dispute and claim should proceed as requested. \n\nPayPal provided a 'false narrative ' and did not correctly address the issue and/or read correctly the information submitted to them. \n\nAgain I provided the disposition of the claim made through XXXX Bank to PayPal. \n\nI'm requesting as I requested earlier Payment protection due to fraud. And a refund of the payment made through PayPal of {$55.00}... \n\nPayPal would not take responsibility. \n\n-A total lack of resolve on the part of PayPal XXXX Total ignorance and lack thereof of responsibility. \n\nThe complaint written to the XXXX XXXX XXXX was beyond warranted and the matter was/is still 'unresolved ' ... PayPal should have addressed these issues as they occured. This is not customer ( support ) service at all. What it is is bad/poor customer support ( if you can call it that at all ) ... services that are inadequate for anyone 's use. \n\nPayPal is solely responsible for the Fraudulent illegal activity ... and instead of resolving the issue ( s ) is protecting the use of Fraud and Fraudulent activities... This is illegal! And is 'Against the Law '. ( PayPal loses over XXXX XXXX XXXX dollars every year to Fraud ) On XX/XX/XXXX I received a notice via PayPal that read the following ... \" Please contact your financial institution ... '' -You will need to contact your financial institution or credit card company directly for additional information and final resolution regarding the disputed transaction. If you want to cancel that claim you will also need to contact your financial institution directly ( clicking Cancel case in the PayPal Resolution Center won't cancel the claim with your financial institution ). \n\n\nThis implies that Paypal can not continue until the claim is cancelled. Why would they ( Paypal ) be providing me the above statement...? \n\n\nThe claim with XXXX Bank was never processed there was no dispute or claim. \nPayPal claims they can not continue or decide this case ... because a claim was processed with another institution. This is 'not ' true! No claim was ever processed. \n\n\nOn XX/XX/XXXX I contacted PayPal with the following ... 'Im in the process of cancelling the claim with XXXX Bank XXXX Please provide re-assurance that once completed I'll have refund protection through PayPal. I want to check to make sure... Thanks for all you do. ' I did not receive an immediate response so I contacted again the following day XX/XX/XXXX.... Please provide the information I'm requesting. If I cancel my claim with XXXX Bank... may I continue with my disputed claim filed through PayPal? Or may I have to re-file? Please respond with the information I'm requesting as this is a time sensitive matter. \n\n\nPaypal ignored and/or refused to respond to the above letters. They provided no acknowledgement and no reason for there failure. \n\n\nI contacted again on XXXX... Please continue with the case filed against XXXX... The dispute filed with XXXX XXXX Bank has been dis-continued. Therefore, there is no longer a conflict of interest. Again please continue with my initial complaint filed against XXXX. \n\n\nAgain the letter was ignored and not responded to. I received 'zero ' communication not one letter of acknowledgement to the above three letters. I did not receive a response from PayPal until I filed a complaint with the XXXX XXXX XXXX. \n\n\nNo response was received by the XXXX XXXX XXXX till after XX/XX/XXXX ...? \n\n\nI wrote ... 'All information sent and received by the Bureau is open to public scrutiny ... And released as Public Information '. I advise that you respond to Complaint # XXXX in kind with the XXXX XXXX XXXX. They were a 'Failure to Respond '. \n\n\nIt's obvious to me that something is seriously wrong with PayPal. Why did they refuse to respond? And why did it take them so long to respond? - '' This is a time sensitive matter. \" -? \n\n\nAgain PayPal claims they can not continue with the case because a claim has been processed by another institution. No claim was ever processed. You can verify this information by contacting XXXX Bank -no claim was ever processed. \n\n\nPayPal is a failure for providing inadequate customer service and implicit in protecting the use of fraud and fraudulent activities- PayPal 's failure to communicate is the direct result for/of these issues. \n\n\nPayPal needs to take responsibility. And acknowledge there wrongs. \n\nI am owed a refund on my PayPal account due to fraudulent activity. \n\nSincerely, XXXX XXXX XXXX XXXX enclosure","date_sent_to_company":"2023-05-10T04:09:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98133","tags":null,"has_narrative":true,"complaint_id":"6951867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-05-10T03:26:14.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I did not receive a response from <em>PayPal</em> until I filed a <em>complaint</em> with the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \n\n\nNo response was received by the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> till after XX/XX/<em>XXXX</em> ...? \n\n\nI wrote ... 'All information <em>sent</em> and received by the Bureau is open to public scrutiny ... And released as Public Information '. I advise that you respond to <em>Complaint</em> # <em>XXXX</em> in kind with the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. They were a 'Failure to Respond '. \n\n\nIt's obvious to me that something is seriously wrong with <em>PayPal</em>."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[18.112762,"6951867"]},{"_index":"complaint-public-v1","_id":"21071673","_score":17.910294,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Narrative : \" I am a resident of XXXX XXXX, FL. On XX/XX/year>, my PayPal account was compromised by an unauthorized third party. I am disputing PayPals denial of my unauthorized activity claim and their attempt to hold me liable for a fraudulent balance.\n\nEvidence of Unauthorized Access : Location Conflict : PayPal 's own system sent me a security alert for a login from a new device ( XXXX ) in XXXX, IL. I live in XXXX XXXX, FL, and was nowhere near Illinois. I have a screenshot of this notification. \nFraudulent Credentials : The attacker added a XXXX XXXX debit card and a fraudulent mailing address to my account. I do not have a XXXX XXXX account, and I have XXXX association with the address added. \nTiming of Theft : XXXX transfers from my XXXX XXXX XXXX XXXX funds were instantly withdrawn to this unrecognized card. \nPayPal 's Failure to Investigate : Despite immediate reportingI called customer service that night and spoke with an agent at XXXX XXXX  on XXXX XXXX has denied my disputes. They claim the activity was 'regular ' and 'consistent with my history. ' This is impossible because : I have never logged in from XXXX from an iphone i literally have an adroid and paypal 's system can see that!\n\nI have never used a XXXX XXXX card on this account.\n\nI have never added the fraudulent address associated with the card.\n\nLegal Violations : Under Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005.6 ), my liability for reported unauthorized transfers is capped at {$50.00}. PayPal is violating federal law by demanding I pay back {$4000.00} for a theft facilitated by their security flaws. I demand a full reversal of the negative balance and a restoration of my account. '' How to Attach Your Evidence When you reach the \" Attach documents '' step of the complaint, upload the following files : The Screenshot : The email or app notification showing the Chicago, IL login.\n\nProof of Identity/Location : A photo of your Florida Drivers License or a utility bill from the day of the theft ( XX/XX/XXXX ) showing you were in XXXX XXXX XXXX \nThe Police Report : Include the XXXX XXXX Police Department case number. This is crucial for identity theft cases. \nWhat Policies They are Violating By including these specific terms in your complaint, you are signaling to the CFPB that you know your rights : Negligence in \" Know Your Customer '' ( XXXX ) Standards : They allowed a card to be added where the name on the card did not match the account owner ( you ).\n\nRegulation E Investigation Failure : Banks are required to conduct a \" reasonable investigation ''. Ignoring a XXXX difference in login location is considered an unreasonable investigation. \nBreach of User Agreement : PayPal 's own Liability for Unauthorized Transactions policy states you won't be held liable for eligible unauthorized transactions if reported promptly","date_sent_to_company":"2026-04-08T23:02:44.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"21071673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-08T22:43:35.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Narrative</em> : \" I am a resident of <em>XXXX</em> <em>XXXX</em>, FL. On XX/XX/year>, my <em>PayPal</em> account was compromised by an unauthorized third party. I am disputing <em>PayPals</em> denial of my unauthorized activity claim and their attempt to hold me liable for a fraudulent balance.\n\nEvidence of Unauthorized Access : Location Conflict : <em>PayPal</em> 's own system <em>sent</em> me a security alert for a login from a new device ( <em>XXXX</em> ) in <em>XXXX</em>, IL. I live in <em>XXXX</em> <em>XXXX</em>, FL, and was nowhere near Illinois."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[17.910294,"21071673"]},{"_index":"complaint-public-v1","_id":"3197918","_score":15.759294,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"on XX/XX/XXXX XXXX i sent the following to PayPals general complaint email ( XXXX ) outlining my concern and accepted resolution. \n\n-- -- -- -- -- Email begins On XXXX XXXX XXXX I sold 2 XXXX XXXX XXXX via XXXX to another company doing business as XXXX XXXX XXXX. I received payment for my XXXX  XXXX via the PayPal service. After I received the money into my PayPal account I shipped the 2 XXXX XXXX to my buyer and immediately updated XXXX with tracking which is supposed to be mirrored on PayPal relieving the seller of needing to update both XXXX and paypal. Everything was fine up until XX/XX/XXXX When I logged into my PayPal account. PayPal told me my account was frozen and I could not have access to my money! PayPal accused me of \" suspicious activity based on recent changes in my account upon calling customer service I was told that I never shipped my items which was not true but apparently at some point the link between XXXX and PayPal failed. Paypal asked me to submit a copy of my ID, proof of shipment, business credentials & supplier info. I did this and PayPal still won't let me have my money! \nI contacted PayPals customer service number -- I was transferred to a member of the account resolutions team and initially the rep stated that more info was required he put me on hold for approximately 5 minutes and came back stating that they no longer need the info and it will be submitted again for review and I should hear something in three business days. took them three days to reply. I called PayPal TWICE -- On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The first time the customer rep ( XXXX -- he would not give me his last name or an employee number or anything ) told me that everything looked good and I should get a response by the following day. I then called PayPal again being I heard nothing about restoring the account and a customer service representative ( XXXX ) stated that my account was permanently limited & I could not use PayPal anymore despite the fact that at the time I hadnt received 1 email or notification within my account stating this, instead my account remained temporarily limited until XX/XX/XXXX when I received the email stating the account was closed for security issues when no security issue was brought to my attention ever, initially the issue was that PayPal noticed significant changes in my account however, there were no changes made to my account. Then I was told it was because PayPal didnt receive any proof of shipment and the narrative morphs one last time into a mysterious security issue. \nPayPal will not even provide me with evidence showing me what this \" suspicious activity was. '' But I had to supply PayPal with plenty of very private information! In the end to refuse to give me my money back! \n\nAfter looking into the issue as to how something like this could happen to me I soon found out that I was not the exception to the rule and PayPal has made this Ponzi scheme where they hold ones funds by providing bogus reasons to limit their account for up to 6 months and invest these funds that belong to XXXX sellers in a high interest earning account and pays back the seller with another sellers funds from a product or service that they paid for with their hardworking money and or put time into be it by providing a service or simply setting up the XXXX   account and working hard responding to potential buyers and providing great customer service and the seller isnt entitled to any of the profit from their money PayPal uses to gain interest on. This alone is not acceptable but it gets worse, PayPal is not FDIC insured so if within these 6 months something happens to the company the buyer is happy with their product PayPal took their fee from your money and made even more money off of it and you will not ever see a dime if for instance the company collapses during the absurd 6 month hold time resulting from a deliberate 6 month return policy that no other company has with the exception of XXXX which gives their customers 12 months to return or exchange a XXXX  branded product but this is clearly different because they in no way shape or form are able to profit from this policy unlike paypal. \n\nXXXX are some additional findings Ive uncovered : We have not reached profitability to date. We have accumulated net losses of {$230.00} XXXX ... ''. PayPal continues to say, \" We intend to continue to make significant investments in our systems, infrastructure and customer service operations. '' So you are operating at a loss, but continue to invest funds into your company. Where do you think that money is coming from? Why do you hold on to MY money for so long? Is it a Ponzi scheme? Freeze millions of dollars of customer funds for 6 months, use those funds, then pay back those people by freezing the funds of other customers for another 6 months? \n\nChooses to accept MY money and business and then charge me guilty until Ive proven my innocence! Millions of accounts frozen and millions and millions of dollars of other people 's money sitting in PayPal 's bank account. \n\nThere is no question that PayPal employees with PayPal accounts know how to manipulate the system. Since they are poorly trained and poorly paid, you can bet PayPal employees are out there committing fraud. Do you know who is REALLY buying from sellers on eBay ( could it be a PayPal employee intent on taking my product AND my money? ). \nPayPal fraud doesn't stop there. PayPal says that, \" The large volume of payments that we handle for our customers makes us vulnerable to employee fraud or other internal security breaches. We can not assure you that our internal security systems will prevent material losses from employee fraud. '' CUSTOMERS ARE VULNERABLE TO EMPLOYEE FRAUD OR OTHER INTERNAL SECURITY BREACHES. \nWE CAN NOT ASSURE YOU THAT OUR INTERNAL SECURITY SYSTEMS WILL PREVENT LOSSES FROM EMPLOYEE FRAUD. \nI don't recall seeing that anywhere in the PayPal User Agreement. Do you? \n\nPayPal admits that it is subject to consumer protection laws. \n\" We are subject to state and federal consumer protection laws, including laws protecting the privacy of consumer non-public information, prohibiting unfair and deceptive practices ... ''. \nOkay, if this is the case, then why do you break them every chance you get? You do not disclose all of the terms of doing business with us in your own User Agreement. \nThe User Agreement you make me agree to is one sided, contradictory, and designed to XXXX me out of my money! I dont mind the account being permanently limited but Im demanding my funds be released immediately and made available for me to transfer into my account through an instant transfer to my debit card, ill even pay the fee. If paypal fails to comply in a reasonable time I will take action and contact all relevant state and federal agencies to include but not limited to : The Consumer Financial Protection Bureau The Virginia State Corporations Commission Virginia Office of Attorney General California Office of Attorney General The United States Federal Reserve XXXX XXXX XXXX   however, i feel its only fair to allow you the opportunity to correct this issue directly, id like nothing more than to get access to my funds and move on. \n\n\nKind Regards, XXXX XXXX Sent from my XXXX -- -- -- EMAIL ENDS ON XX/XX/XXXX XXXX a message was sent to XXXX XXXX ( Customer Solutions Group Leader ) -- -- -- -- -- -EMAIL BEGINS Greetings, XXXX Thank you in advance for taking the time to resolve my issue. ( Disclaimer :  Nothing against you, Im sure youre probably a great individual. ) Im writing you this email because in short PayPal is XXXX me every second of every day that passes by until I regain access to funds that belong to me in which PayPal has already taken processing fees for and is now using to profit from. I want my funds to be released immediately! If further clarification is needed please see attached thread. \n\nXXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. \n-- -- -- -- -- -- -EMAIL ENDS A message was sent on XX/XX/XXXX XXXX to XXXX XXXX ( COO ) -- -- -- -- -- -- EMAIL BEGINS Greetings, XXXX I have failed to receive a response from the below addressed. Hoping to achieve a resolution with you. \nXXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. \n\n-- -- -- -- -- -- -- EMAIL ENDS On XX/XX/XXXX a final email was sent to XXXX XXXX ( President & CEO of Paypal ) -- -- -- -- -- -- -- -- EMAIL BEGINS Spoke with CSR XXXX at XXXX requested to either have my funds released or my product returned. XXXX stated it seems the customer is happy with the XXXX XXXX so as long as this is the case they can keep it. Then if its been determined the customer is happy with the XXXX  XXXX why are my funds still on hold? \n\n\n\n\nTransferred to manager at XXXX in limitations Dept stating that theres a risk involved in releasing the funds for merchants who are no longer customers because if a chargeback occurs they are no longer processing transactions so the risk of getting the money is higher. 1st of all just because a merchant is a PayPal customer doesnt mean they will continue to process payments with PayPal they can have their funds released transfer the money and change the bank accounts and debit cards and close the account most of these things cant be done by a merchant that is permanently limited as I am and its obvious based on my example given that my risk is actually less than the risk associated with a merchant whom is no permanently limited and XXXX response makes no sense and it is just another excuse to keep my funds to profit from. The buyer is a business who has already resold my product so why are my funds on hold? At this point I do not wish to wait any longer for my funds and I either need PayPal to release my funds or have my product returned. This is my final attempt to have this issue resolved directly through PayPal and I will contact the appropriate federal and state regulators beginning XX/XX/XXXX at XXXX if PayPal fails to release my funds or return my product. \n\n-- -- -- -- -- -- -- -- -- -EMAIL ENDS It is now XXXX and paypal is still blocking me from accessing my funds and is using it to profit from. ive paid them to process a transaction and they kept the funds after i sent the customer the product and 5 months later still they are profiting from those funds while i have bills to pay and the customer is happy with the profits from the product i sold them and they resold.","date_sent_to_company":"2019-04-01T15:38:17.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"22202","tags":null,"has_narrative":true,"complaint_id":"3197918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-04-01T14:37:58.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["on XX/XX/<em>XXXX</em> <em>XXXX</em> i <em>sent</em> the following to <em>PayPals</em> general <em>complaint</em> email ( <em>XXXX</em> ) outlining my concern and accepted resolution. \n\n-- -- -- -- -- Email begins On <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> I sold 2 <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> via <em>XXXX</em> to another company doing business as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I received payment for my <em>XXXX</em>  <em>XXXX</em> via the <em>PayPal</em> service."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[15.759294,"3197918"]},{"_index":"complaint-public-v1","_id":"14138710","_score":12.326176,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Im filing this complaint regarding multiple financial institutions refusal to support a fraud dispute I submitted. Between XXXX and XXXX, I was emotionally manipulated and financially exploited by individuals posing as psychics. These people preyed on me during a very vulnerable time in my life, pressuring me into sending repeated payments through XXXX, PayPal, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX through XXXX, and multiple banks including XXXX, XXXX, XXXX, and XXXX XXXX. I also gave cash in person on several occasions under their pressure. \n\nThey told me that people I loved would die, become seriously ill, or suffer irreversible misfortune unless I sent large amounts of money immediately for spiritual services. I should have known better, but I put my trust into people who had sworn on their childrens lives that I must do this psychic work and that it was absolutely necessary. Out of fear and emotional distress, I complied authorizing the transactions under false pretenses. The payments were frequent and substantialand none of the predictions or threats ever came true. This was clearly a scam rooted in psychological manipulation. \n\nThey also manipulated me with false emotional narratives, claiming that a specific person loved me, wanted to speak with me, and that we were meant to be. As a result of me reaching out to this person, believing the psychics claims, that individual has filed a restraining order against me, and I now have to attend court over this. This legal action has added to my emotional and financial distress. \n\nI was consistently told we couldnt discuss anything over textonly by phoneespecially when they made extreme claims ( like someone being suicidal or terminally ill ). I was also repeatedly told not to tell anyone what we talked about because it would ruin the spiritual work. This secrecy created intense psychological pressure, fear, and guilt. \n\nThey even told me the money I was spending on their services was cursed, and that sending it to them would help remove the curse. This was a manipulation tactic designed to justify the repeated financial drain and to make me feel as though giving away my money was helping me. They pressured me to borrow money from friends and family, and to open new credit cards in order to continue paying them. I was told if I didnt meet specific amounts by specific deadlines, irreversible harm would come to my loved ones. \n\nDespite all of this, the institutions involvedincluding XXXX, PayPal, XXXX XXXX XXXX XXXX XXXX through XXXX, XXXX, XXXX, XXXX, and XXXX XXXXhave denied my disputes or failed to adequately investigate despite clear signs of fraud and emotional manipulation. I was misled under false pretenses, and each company either ignored or denied my claim because the transactions were authorized even though it was clearly the result of fraudulent manipulation. \n\nI felt deeply exploitedemotionally, mentally, and financiallyby these manipulative individuals who took advantage of my vulnerability. \n\nKey parties and payment routes : A woman named XXXX instructed me to send payments to : XXXX  : XXXX XXXX XXXX XXXXXXXX XXXX ( via XXXX ) : XXXX PayPal : Account under the name XXXX XXXX Phone numbers used : XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX A woman named XXXX instructed me to send payments to : XXXX  : @ XXXX XXXX ( via XXXX ) : XXXX XXXX, phone number XXXX ( XXXX ) XXXX The last name on many of the accounts I was told to send money to is XXXX. After some online research, I discovered that this name has been associated with organized crime, psychic scams, and other fraudulent schemes. \n\nThese individuals worked together to create an emotionally abusive and financially exploitative environment. Their use of fear, urgency, and emotional manipulation controlled my behavior and spending. \n\nI am a XXXX woman living in XXXX XXXX XXXXXXXX, currently working two jobs to repay the over {$50000.00} I was scammed out of by these individuals. My credit is destroyed, my savings are gone, and I am mentally, emotionally, and financially exhausted. \n\nI respectfully ask if there is any way I can be considered for partial or full reimbursement for the funds I lost, given the emotional coercion, abuse, and manipulation involved. I am asking the CFPB to help hold these platforms and financial institutions accountable for failing to protect users from organized, emotionally manipulative scams that are deceptively authorized in nature but clearly fraudulent in intent.","date_sent_to_company":"2025-07-30T10:22:33.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"10016","tags":null,"has_narrative":true,"complaint_id":"14138710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-17T04:12:07.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Im filing this <em>complaint</em> regarding multiple financial institutions refusal to support a fraud dispute I submitted. Between <em>XXXX</em> and <em>XXXX</em>, I was emotionally manipulated and financially exploited by individuals posing as psychics. These people preyed on me during a very vulnerable time in my life, pressuring me into sending repeated payments through <em>XXXX</em>, <em>PayPal</em>, <em>XXXX</em> <em>XXXX</em>, XXXXXXXX <em>XXXX</em> XXXXXXXX through <em>XXXX</em>, and multiple banks including <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em> <em>XXXX</em>."],"company":["<em>Paypal</em> Holdings, Inc"]},"sort":[12.326176,"14138710"]},{"_index":"complaint-public-v1","_id":"16286537","_score":4.6060934,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT MULTIPLE UNRESOLVED NON-DELIVERY / RETURN-TO-SENDER LOSSES AND DISPUTE-HANDLING FAILURES Parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Employees Credit Union of XXXX XXXX SECU my bank/XXXX  issuer XXXX XXXX \nPeriod : XXXX XXXX. \nTheme : Items never delivered, misdelivered, or returned-to-sender ( RTS ). Marketplaces promised refunds and then reversed them ; processors closed cases prematurely ; my bank misclassified merchants and declined chargebacks despite providing carrier proof. Provisional credits were reversed. I remain out of the money with zero merchandise.\n\nLaws/policies implicated ( by behavior shown in my documents ) : FTC Act 5 ( unfair/deceptive acts ; false statements; shifting reasons ). \nMail/Internet/Telephone Order Merchandise Rule, 16 CFR Part 435 ( ship on time or promptly refund ; RTS/non-delivery obligations ). \nNorth Carolina UDTPA, N.C.G.S. 75-1.1 ( unfair/deceptive practices ; misrepresentations to consumers/regulators ).\n\nRegulation E, 12 CFR 1005 ( bank investigation timelines, provisional credit, adequacy of investigation for debit disputes ). \nXXXX Core Rules Reason Code 13.1 ( Merchandise/Services Not Received ) for RTS/non-delivery/misdelivery. \nContract/policy breaches : e.g., XXXX Money Back XXXX XXXX XXXX XXXX XXXX XXXX and written refund assurances after RTS ; XXXX XXXX Protection handling obligations.\n\n-- - EVIDENCE SET ( EXHIBITS BY FILENAME ) All document names below are exactly as they were saved in my files and are available for upload with this narrative. \nCarriers/Tracking : Tracking _ XXXX XXXX XXXX XXXX XXXX ) .pdf/ ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to sender ups.pdf, XXXX proof of delivery.pdf, XXXX return to sender Tracking _ XXXX XXXX XXXX, XXXX Tracking XXXX XXXX XXXX XXXX, XXXX Tracking XXXX XXXX XXXX XXXX, delivered in XXXX XXXX XXXX in XXXX ( XXXX ) .XXXX XXXXXXXX in XXXX ( XXXX ) .XXXX, XXXX Claim Detail _ XXXX XXXXXXXX XXXXXXXX XXXXf, etc. \nXXXX tickets/emails : All How Can We Help _ XXXX Support * .XXXX, issue with delivery * XXXX, youre all set/transaction complete/ {$0.00} receipt/refund receipt.pdf, Order status _ XXXX, Balance _ XXXX, email * .XXXX. \nXXXX : XXXX order receipt.XXXX, XXXX claim opened.XXXX, XXXX case XXXX, XXXX claim response.pdf, XXXX XXXX XXXX, XXXX high claim contact XXXX, XXXX high claims final response.pdf, XXXX keeps original outcome.pdf, XXXX out for delivery.pdf, XXXX XXXX, chat transcripts, dated screenshots. \nXXXX XXXX XXXX XXXX XXXX XXXX letters/photos XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( filenames show dates ) ; dispute XXXX XXXX, dispute filing XXXX, XXXX evidence to XXXX, XXXX email evidence.pdf, XXXX dispute evidence.pdf. \nXXXX : XXXX privacy dispute received.pdf, XXXX privacy dispute opened.pdf, XXXX privacy dispute filed.pdf, XXXX privacy card followup.pdf, privacy card closed.pdf, XXXX privacy card denial.pdf. \nXXXX : paypal case opened/mercari contact/denied.pdf for affected transactions. \nXXXX : XXXX return not returnable+tracking.pdf, XXXX XXXX. \nPolice reports/photos were noted ( e.g., XXXX ( XXXX ) .png, XXXX police report.pdf ). \nXXXX complaints : XXXX XXXX  for each dispute. \n\n\n-- - XXXX {$760.00} ( Pokmon bundle ) ORDER XX/XX/XXXX Core facts : XXXX shows VACANT/RTS ( TN XXXX ). ( Tracking Mercari_ Your XXXX ( XXXX ) ( XXXX ) .pdf, XXXX XXXX XXXX. ) XX/XX/XXXX : XXXX email : The item has arrived at your seller Total Refund amount {$760.00}, with full line items ( XXXX {$680.00}, XXXX {$7.00}, XXXX {$50.00} ). ( refund receipt.pdf ). \nXXXX : Despite the above, XXXX auto-rated and paid the seller ( closed transaction XXXX, XXXX XXXX  ). Separate messages call it still in transit ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX .pdf, missing package.pdf ). \nSECU XX/XX/XXXX : XXXX letters demand I identify what carrier you used to send merchandise back, even though Im the buyer ; otherwise, theyll close the file ( photos XXXX ). \nXXXX filed XXXX \nViolations shown : XXXX written promise of refund after XXXX not honored ( XXXX XXXX ; mail rule ). SECUs handling/requests misdirected ; failure to apply XXXX 13.1 with clear RTS proof ( Reg E adequacy issue ). \n\n\n-- - XXXX {$770.00} ( Steam Deck ) ORDER XX/XX/XXXX Carrier : XXXX confirms RTS delivered back to sender XX/XX/XXXX ( XXXX return to sender confirmation.pdf ). \nXXXX  messages : XX/XX/XXXX : Refused without authorization funds released to seller. \nXX/XX/XXXX : Refund receipt & seller cancellation, then system auto-rated and issued {$0.00} receipt anyway ( XXXX XXXX XXXX, refund receipt ( 2 ) ( 1 ) ( 1 ) .pdf, 772.64 completed purchase.pdf, 772.64 {$0.00} receipt.pdf ). \nRepeated refused claim even while XXXX shows address issue ; told me to call XXXX  to redeliver ( How Can We Help _ XXXX Support ( 1 ) .pdf ). \nXXXX : XX/XX/XXXX provisional credit letter ( photos XXXX, XXXX ), then XX/XX/XXXX denial : exhausted all chargeback rights ; reverse provisional credit. \nXXXX : XXXX asserts I refused or implied label tampering ; contradicts XXXX. \nViolations : Same pattern : false refused rationale ; XXXX ignored ; refund promised then undone ; unfair/deceptive handling. Bank reverses despite the carrier email. \n\n\n-- - XXXX {$720.00} ( Switch 2 ) Paid via XXXX POS Carrier : XXXX shows RTS XX/XX/XXXX ; later, my driver delivered an empty UPS Express envelope with just a label ; XXXX showed the real parcel in another state ( XXXX proof of delivery.pdf, XXXX return to sender XXXX ). \nXXXX : Early messages acknowledge RTS and tell me theyll cancel once the seller receives ; late, auto-completed/ {$0.00} receipt, then claim delivered and told me to call the police. ( XXXX How Can We Help _ XXXX XXXX, XXXX XXXX, XXXX completed purchaseXXXX XXXX purchase complete.pdf. ) XXXX claim detail : shows claim activity related to this package ( XXXX Claim Detail _ XXXX ). \nXXXX : XX/XX/XXXX dispute received, XX/XX/XXXX escalated, XX/XX/XXXX filed with an explicit XX/XX/XXXX merchant-response deadline ( XXXX privacy dispute received/opened/filed.pdf, XXXX privacy card followup.pdf ). \nXX/XX/XXXX Privacy suspended my account and later denied the chargeback before the XX/XX/XXXX deadline ( privacy card closed.pdf, XXXX privacy card denial.pdf ). \nXXXX XX/XX/XXXX letter : Denied ; mislabeled Privacy.com as buy now pay later for debit POS, blocking a XXXX path ( photo XXXX ). \nViolations : XXXX false delivery/RTS reversal ; XXXX premature closure vs. stated network timeline ; SECU misclassification and failure to run a standard MNRS chargeback. \n\n\n-- - XXXX {$750.00} ( Switch 2 ) Paid via XXXX XXXX : XXXX shows XXXX ( files XXXX tracking.pdf, XXXX Tracking _ XXXX XXXX XXXX ). \nXXXX : XX/XX/XXXX explicit promise : youll receive a full refund to your original form of payment within 72 hours after tracking confirms delivered back to the seller ( XXXX XXXX, XXXX How Can We Help _ XXXX XXXX ). The system later calls it in transit, then delivered, then auto-completed/ {$0.00} ( XXXX completed sale.pdf, XXXX {$0.00} receipt.pdf ). \nXXXX : Case opened XX/XX/XXXX ; seller replied XX/XX/XXXX ; XXXX closed XX/XX/XXXX without weighing RTS proof ( XXXX XXXX  case opened.XXXX, mercari contact.XXXX, denied.XXXX  ). \nXXXX : XX/XX/XXXX dispute filed. XX/XX/XXXX SECU letter asks for more info ( XXXX ). \nViolations : Written refund promise not honored ; XXXX closed without addressing non-delivery/RTS ; bank not applying 13.1 in the face of RTS. \n\n\n-- - XXXX {$430.00} ( XXXX XXXX XXXX ) Paid via XXXX XXXX : XX/XX/XXXX XXXX shows XXXX ( XXXX return to sender Tracking _ XXXX XXXX XXXX, XXXX issue with XXXX  ). \nXXXX & XXXX actions : XX/XX/XXXX : Acknowledge its on the way back ; suggest seller relist ( XXXX XXXX, How Can We Help _ XXXX XXXX ). \nLater that day, the account was limited and blocked from contacting the seller. \nXX/XX/XXXX auto-closed and {$0.00} receipt ( XXXX youre all set.pdf, XXXX {$0.00} receipt.pdf ). \nXX/XX/XXXX : XXXX says I refused, conflicting with UPS XXXX ( XXXX XXXX, How Can We Help _ XXXX XXXX ). \nXX/XX/XXXX & XX/XX/XXXX : XXXX submitted ; transaction final, even though delivery never occurred ( XXXX XXXX, How Can We Help _ XXXX XXXX ). \nXXXX : Denied the dispute and told me to go to my bank. \nSECU XX/XX/XXXX : XXXX says wait 15 days before refile ( XXXX ). \nViolations : Using auto-rating/finality to defeat refunds while the XXXX shows XXXX ; contradictory claims XXXX refusal vs. XXXX XXXX ; XXXX cursory XXXX. \n\n\n-- - XXXX {$390.00} ( XXXX XXXX XXXX ) Paid via XXXX XXXX : XX/XX/XXXX Delivery Not Successful, then XXXX, and return delivered by XX/XX/XXXX ( XXXX issue during delivery.pdf, XXXX Tracking _ XXXX XXXX XXXX, XXXX returned to the sender.pdf ). \nXXXX : XX/XX/XXXX : XXXX XXXX {$390.00} posted ( visible in XXXX XXXX _ Mercari.pdf ), then revoked. \nXXXX auto-completed/ {$0.00} ( XXXX purchase complete.pdf, XXXX {$0.00} receipt.pdf ). \nMultiple escalations to Billing & Paymentsno funding. ( How Can We Help _ XXXX XXXX, XXXX ). \nXXXX : Denied. \nXXXX : XX/XX/XXXX dispute ( XXXX dispute.pdf ). XX/XX/XXXX evidence sent ( XXXX evidence sent.pdf ). \nPolice report on file ( XXXX police report.pdf ). \nViolations : XXXX was actually posted then reversed ; auto-completion contrary to XXXX ; XXXX to fund the promised refund. \n\n\n-- - XXXX {$660.00} ( Switch XXXX ) Card XXXX : XX/XX/XXXX Delivery Not Successful, later XXXX ; temporary loss in transit, then return confirmed ( XXXX Tracking _ XXXX XXXX XXXX, XXXX Tracking _ XXXX XXXX ). \nXXXX : We submitted paperwork to the XXXX will follow up. \nThen : Once the package gets delivered back to the seller, reach back to us. \nThen auto-completed/ {$0.00}, and later account suspended ; can not refund ( How Can We Help _ XXXX XXXX, XXXX purchase completed.pdf, XXXX {$0.00} receipt.pdf ). \nSECU XX/XX/XXXX : Denial letter calls XXXX XXXX ( photo XXXX ). \nXX/XX/XXXX refile & evidence sent ( XXXX dispute evidence.pdf ). \nViolations : Same XXXX XXXX no refund -> auto-close ; bank misclassification blocks XXXX. \n\n\n-- - XXXX {$700.00} ( Switch XXXX ) XXXX XXXX : XXXX shows it was delivered in Texas ( XXXX ) not my address ( delivered in texas.pdf, delivered in XXXX ( XXXX ) .pdf, delivered in XXXX ( XXXX ) .pdf ). \nXXXX : Account locked XX/XX/XXXX ; on XX/XX/XXXX they say XXXX confirmed delivered ; then endless wait 30 days responses. \nXX/XX/XXXX XXXX offered to cancel/refund or contact the seller ; I chose cancel/refund. They then auto-rated/completed XX/XX/XXXX and closed. \nLater, XXXX confirmed delivery to the right address, contradicting XXXX 's city/state. Police report filed XX/XX/XXXX ( XXXX ( XXXX ) .png ). \nXX/XX/XXXX, they refused further help because I filed a chargeback. \nXXXX : XX/XX/XXXX dispute filed ( XXXX dispute.pdf ) ; XX/XX/XXXX denial ( XXXX ). \nViolations : XXXX to an entirely different state ; misleading wait 30 days then auto-close ; ignoring police report ; bank denial despite clear wrong-address evidence. \n\n\n-- - XXXX {$2200.00} ( XXXX XXXX Switch XXXX bundles ) SELLER kaboindustries XXXX : XX/XX/XXXX for {$2200.00} ( XXXX order receipt.pdf, XXXX XXXX, XXXX out for delivery.pdf ). \nXXXX chronology ( UPS ) : Initially shows delivered XX/XX/XXXX, then returned to sender XX/XX/XXXX due to addressing error ; XXXX email confirms not delivered to me and returned ( Tracking _ XXXX United States ( XXXX ) ( XXXX ) .pdf, ups email ( XXXX ) .pdf, screenshots : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) .jpg ). \nClaims with XXXX : XX/XX/XXXX : XXXX Back XXXX XXXX ID XXXX opened ( XXXX claim opened.pdf ). \nXX/XX/XXXX : XXXX denied and closed : seller provided tracking showing delivered to your address you wont receive a refund ( XXXX case closed.pdf, screenshot XXXX ( XXXX ) .jpg ). \nXX/XX/XXXX : XXXX XXXX XXXX ( XXXX XXXX acknowledged XXXX shows delivered XX/XX/XXXX then returned to sender XXXX, asked if I refused or returned ( XXXX high claim contact XXXX, plus XXXX high claim contact XXXX ). \nXX/XX/XXXX XXXX AM : XXXX denied the appeal : XXXX confirmed the item was refused at XXXX XXXX of delivery seller fulfilled their obligation ( XXXX high claims final response.pdf ). \nPhone support said the denial was because it never showed delivered back to the seller ; later tracking showed a return to an XXXX facility. \nXX/XX/XXXX : XXXX XXXX : decision maintained ; XXXX appeal allowed is exhausted ( XXXX keeps original outcome.pdf ). \nOther evidence : XXXX first contact.pdf, emails XXXX claim response.pdf, chat transcripts XXXX ( XXXX ) .pdf and ( XXXX ) .html, and dated screenshots ( XXXX ( XXXX ) .jpg, XXXX ( XXXX ) .jpg, XXXX ( XXXX ) .jpg ). \nViolations shown : XXXX Money Back Guarantee not honored on Item Not Received ; inconsistent rationales ( delivered vs. buyer refused vs. not returned to seller/eBay facility ) ; reliance on an erroneous delivered scan after UPS documented XXXX ; XXXX to process refund consistent with XXXX CFR XXXX ; deceptive/unfair communications pattern. \n\n\n-- - XXXX {$130.00} ( alternator + bulbs ) RETURN DENIED AS EMPTY Facts : I returned defective parts; XXXX later marked the parts non-returnable and claimed the return was an empty box. XXXX XXXX shows XXXX lbs consistent with the items shipped back. ( XXXX return not returnable+tracking.pdf, XXXX XXXX. ) Violations shown : Unfair/deceptive denial contradicting XXXX weight ; failure to honor refunds for defective goods once returned. \n\n\n-- - PROCESSOR/BANK HANDLING PATTERN ( XXXX, Privacy.com, SECU ) XXXX : In multiple cases ( e.g., {$750.00}, {$430.00}, {$390.00} ), XXXX opened XXXX case then rapidly closed after a seller 's response without weighing UPS XXXX proof or the marketplaces prior refund promises ; in XXXX matter, my XXXX account access was restricted during the dispute cycle, preventing meaningful remediation. ( See paypal case XXXX XXXX sets. ) That deprived me of the XXXX XXXX remedy their program advertises, pushing me to my bank. \n\nPrivacy.com : For the {$720.00} XXXX XXXX debit, Privacy accepted the dispute, gave the merchant a hard deadline of XX/XX/XXXX, then suspended my account on XX/XX/XXXX and later denied the dispute before that deadline ( privacy card closed.pdf, XXXX privacy card denial.pdf ) a premature closure that defeats the network timeframes they themselves provided in writing ( dispute filed.pdf, followup.pdf ). \n\nXXXX ( my bank/Visa issuer ) : Boilerplate denials and reversals of provisional credits while misclassifying merchants ( e.g., labeling Mercari/Privacy.com as buy-now-pay-later even for POS debit transactions ). \nFailure to apply XXXX XXXX XXXX ( Merchandise/Services Not Received ) in the face of UPS RTS/misdelivery and explicit refund emails from the marketplaces. \nInadequate investigation posture e.g., demanding I name the XXXX I used to return the goods in an Item Not Received situation ( I was the buyer, not the shipper ) ; closing with insufficient evidence despite the shipping and marketplace records I provided. \nLack of transparency : In several files, I requested the merchant evidence SECU relied on ; I received denials/reversals with no documentation. \n\n\n-- - CONSISTENT MISCONDUCT & LEGAL/CONTRACT BREACHES BY ENTITY XXXX ( XXXX ) XXXX. False or shifting delivery narratives : delivered, refused, still in transit, or forwarded, even when XXXX shows XXXX, XXXX, Invalid Address, or delivery to another state. \n\n\nXXXX. Auto-rating/auto-completion with {$0.00} receipts to finalize sales while non-delivery/RTS is unresolved. \n\n\nXXXX. Written refund assurances ( e.g., XXXX refund after XXXX to XXXX ) were later ignored ; in XXXX case, a refund to XXXX XXXX was posted then revoked. \n\n\nXXXX. Account restrictions/suspensions timed such that I could not communicate with sellers or receive promised refunds. \n\n\nXXXX. To regulators ( XXXX XXXX XXXX statements like delivered with photo proof, even when the tracking file has no photo, and buyer refused where XXXX scans say address error/RTS. \nViolations reflected in my documents : FTC XXXX XXXX ; XXXX CFR Part XXXX ; NC XXXX XXXX ; contractual promises ( Buyer Protection/Worry-Free Shopping and explicit refund-after-RTS emails ) not honored. \n\n\n\nXXXX ( marketplace ) XXXX. Money Back Guarantee : Item Not Received but claim denied/closed relying on an erroneous delivered scan, despite subsequent XXXX and eBays own XXXX acknowledging XXXX XX/XX/XXXX XXXX XXXX. \n\n\nXXXX. Inconsistent rationales : delivered buyer refused not returned to seller ( possibly returned to an XXXX facility ). \nViolations reflected : FTC XXXX XXXX ; XXXX CFR Part XXXX ; NC UDTPA ; breach of Money Back Guarantee terms as represented in eBays communications. \n\n\n\nXXXX ( merchant ) XXXX. XXXX called empty despite XXXX FedEx XXXX XXXX \n\n\nXXXX Defective goods refund refused after receipt/inspection should have occurred. \nViolations reflected : FTC XXXX XXXX ; NC XXXX ; failure to honor standard return/refund obligations for defective merchandise. \n\n\n\nXXXX ( processor ) XXXX. XXXX XXXX cases closed almost immediately after a seller 's reply ; XXXX proof and marketplace refund promises are not considered. \n\n\nXXXX. In XXXX matter, account restrictions coincided with the dispute, undermining resolution. \nXXXX evidenced : removed the platform remedy they advertise, forcing me to pursue my bank. \n\n\n\nPrivacy.com ( card/processor ) XXXX. Premature denial : told me the merchant had until XX/XX/XXXX to respond, then suspended my account on XX/XX/XXXX and denied the dispute before that date. \nXXXX evidenced : undermined fair, timely network dispute processing for XXXX Not Received. \n\n\n\nSECU ( XXXX XXXX XXXX XXXX. XXXX XXXX posture : slow/inadequate investigations, reversal of provisional credits, and boilerplate denials without confronting UPS/USPS XXXX XXXX or the marketplaces refund emails. \n\n\nXXXX. Misclassification : Mercari/Privacy.com called XXXX, XXXX XXXX XXXX for debit POS purchases. \n\n\nXXXX. Failure to provide merchant evidence relied upon in denials. \nConsequences evidenced : I remain out the entire combined dollar amount with no goods, after following every process each entity required. \n\n\n\n\n-- - SUMMARY OF KEY TRANSACTION GROUPS ( WITH EXHIBITS ) XXXX {$760.00} Pokmon ( XXXX TN XXXX ) XX/XX/XXXX refund email with full breakdown and Total Refund amount {$760.00} later auto-pay to seller/ {$0.00} receipt ; SECU miscues. \nXXXX {$770.00} Steam Deck ( UPS XXXX ) XXXX confirms XXXX delivered to sender XX/XX/XXXX XXXX claims refused and releases funds ; refund receipt issued then overridden. \nXXXX {$720.00} Switch XXXX ( XXXX XXXX ) XXXX ; empty envelope delivered with label while real parcel elsewhere ; Privacy ends dispute before stated deadline ; SECU calls Privacy BNPL. \nXXXX {$750.00} Switch XXXX ( XXXX XXXX/ XXXX XXXX ) Explicit XXXX refund promise after XXXX ; XXXX closes XXXX day after the seller 's reply. \nXXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX ) XXXX acknowledged XXXX rating final ; account limited ; XXXX denies XXXX XXXX XXXX letter. \nXXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and return delivered ; XXXX XXXX XXXX XXXX revoked ; auto-completion ; XXXX denies ; police report filed. \nXXXX {$660.00} Switch XXXX ( XXXX XXXX ) Paperwork with XXXX reach out when seller receives XXXX auto-complete/ {$0.00} account suspended ; can not refund ; XXXX calls XXXX. \nXXXX {$700.00} Switch XXXX ( XXXX XXXX ) Delivered in Texas ( wrong state ) ; wait 30 days offer to cancel/refund auto-rated complete ; police report filed ; SECU denial. \nXXXX {$2200.00} XXXX Switch XXXX bundles UPS : delivered XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX acknowledges that sequence ; XXXX denies as delivered, then refused, then not returned to seller/eBay facility ; XXXX appeal allowed, closed. \nXXXX {$130.00} alternator/bulbs XXXX called empty despite XXXX FedEx scan ; XXXX XXXX. \n\n\n-- - BOTTOM LINE ( WHAT MY FILES SHOW ) Across XXXX disputes, I followed every rule : contacted merchants, provided tracking, opened marketplace claims, filed with processors and my bank, and submitted regulator complaints. Carriers show XXXX, Vacant, Invalid Address, or misdelivery to another state. Marketplaces often promised refunds in writing and then auto-completed transactions with {$0.00} receipts, paid sellers, or restricted my account. Processors prematurely closed or diverted disputes. XXXX repeatedly misclassified merchants and declined otherwise standard XXXX XXXX chargebacks while reversing provisional credits. The documents and timestamps included here ( emails, tickets, tracking, letters ) reflect inconsistent and contradictory explanations that are unfair and deceptive under the cited laws and violate the very buyer-protection guarantees these platforms advertise. \n\nAll statements above are supported by the attached exhibits named herein.","date_sent_to_company":"2025-10-02T04:58:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27127","tags":"Servicemember","has_narrative":true,"complaint_id":"16286537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE EMPLOYEES CREDIT UNION","date_received":"2025-10-02T04:17:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>XXXX</em> : <em>paypal</em> case opened/mercari contact/denied.pdf for affected transactions. \n<em>XXXX</em> : <em>XXXX</em> return not 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