PayPal review: Fraudulent transaction

Good day BBB and thank you for your time. I am filing a complaint against PayPal and their failed financial service. mMy name is John Jeremy Scott and live in Northern Michigan, drive a truck with nearly 400,000 miles on it, and rely each month on a disability check to live on as I sustained a closed head injury in 1994 and do not have a job. My income each month is $1,140 taking away a mortgage payment, utilities, gas cost, and normal living expenses. My income level, according to Michigan's income charts, sets me below poverty on an annual basis. Now my complaint is that on Aug 21, 2024 an individual I am unaware of hacked into my PayPal account, where as myself not being home, they began charging large purchases to a business known as StubHub: $1,736.71 transaction ID 4C256259HE043354D, $1,615.69 transaction ID 2BJ33210TT5421430, $2,533.31 transaction ID 8LJ54978F4264831R, $1,627.68 transaction ID 808836045Y556981M, and $3,010.08 transaction ID 8KR12844U1637251J. The first amount was processed through my personal as an ACH or digital check, however no funds have ever been removed from my banking accounts and a bank manager can find no instance of any of these amounts appearing in any of my statements or deductions. Three amounts the hacker created a credit line and made purchases through that and those amounts have been refunded and classified through PayPal itself as being Fraudulent along with a fourth amount placed on my mothers card also refunded and classified as being Fraudulent. Of all five amounts, all happening at the same time, all happening on same day and four charges being classified as being Fraud, one amount of $1,736.71 remains that PayPal states I must have made. So, lets look at this from a realistic standpoint. Why would I, someone who is living month to month, no savings, and have a record of making purchases normally between $10 to $50, and no greater than maybe $300 in all my years of having a PayPal account, suddenly out of the blue decide that I want to buy tickets that cost more than my monthly income, and go to a concert that I have no possible way of going to for lack of funds and my truck would probably break down still inside of the state lines? I have been fighting this since day one, not understanding how individuals inside PayPal can not see the absurdity of this purchase they say was me! And no one has given me complete facts, I find something new out each time I talk to someone. What scares me and is going to make me close my accounts forever with this very poorly handled institution, is that the bank manager says anyone can make purchases like these one anyone account with only my/their login ID and email address...dont even need a password! I thought the BBB was put in place to protect us consumers from businesses like this who have no idea what they are doing yet we give them permission to access out financial life. Also, I never authorized this transaction, PayPal processed it ON THEIR OWN, and NOW I am meant to pay back PayPal's mistake! This is fair warning to anyone out there with a PayPal account, whats going on with me could easily happen to you. PayPal is not a bank yet they have the authority to transfer you income like they were and when something wrong happens talking to their customer service is like the blind leading the blind. The BBB really needs to look deep into this farce of a company and either make some major changes or -and this is my suggestion- close this company and stop them from having the authority to destroy someone's life all because of either a digital error or completely ignorant reps. Every one of these large financial purchases need to be deemed Fraudulent becaus they are. Now since this happened, PayPal has turned this over to a collections agency, American Coradius International LLC, and after the phone call I had with the agent, HE believed me and began a Fraud case in my behalf in his company where as in they put a hold on everything giving me 30 days to prove my end of this case. Anyone I talk to about this in PayPal, after I explain what happened that individual also believes me and assures me it will be classified as Fraudulent, however here we are. Although I have been assured this will be handled by a warm blooded human being, I honestly believe all PayPal is doing is unloading this to their computers to make the decision. Any prosecutor is going to look at this and the evidence I have and not even take it cause they know they will never win. I also filled out a Police Report and have a full folder of documents with all evidence including StubHub transactions. StubHub can also correct this situation by classifying this purchase as being Fraudulent and I will be filing a complaint against them after this because its the same story, every individual I talk with believes me that this was a Fraudulent Transaction. Realistically, why would I ever place myself into a position like the one I am in now? I need PayPal and StubHub to look at this from a realistic standpoint and not just let their computers make the choice. There is no way I could even make a purchase like this, nor is their any eway I could ever benefit from making a purchase like this because of my daily and monthly living expenses that, by the 15th, I am normally down to double digits in my bank account. In any case, thank you for your time BBB and allowing me to present my case. John Jeremy Scott email 2hacks4meis2much@gmail.com Also I will be mailing the CEO and CFO of PayPal to try to force a resolution to this case to remove the negative balance so I can close my account and never use PayPal again! If required I can provide proof of my low income status along with any bank statements needed from any year. One final question: what right does PayPal have to fund an organization without said funds being in that attached account? If it was a bank, the amount they funded would never have cleared! Like I said, PayPal really screwed up and now they want me to pay for their mistake.

Good day BBB and thank you for your time. I am filing a complaint against PayPal and their failed financial service. My name is John Jeremy Scott and live in Northern Michigan, drive a truck with nearly 400,000 miles on it, and rely each month on a disability check to live on as I sustained a closed head injury in 1994 and do not have a job. My income each month is $1,140 taking away a mortgage payment, utilities, gas cost, and normal living expenses. My income level, according to Michigan's income charts, sets me below poverty on an annual basis. Now my complaint is that on Aug 21, 2024 an individual I am unaware of hacked into my PayPal account, where as myself not being home, they began charging large purchases to a business known as StubHub: $1,736.71 transaction ID 4C256259HE043354D, $1,615.69 transaction ID 2BJ33210TT5421430, $2,533.31 transaction ID 8LJ54978F4264831R, $1,627.68 transaction ID 808836045Y556981M, and $3,010.08 transaction ID 8KR12844U1637251J. The first amount was processed through my personal as an ACH or digital check, however no funds have ever been removed from my banking accounts and a bank manager can find no instance of any of these amounts appearing in any of my statements or deductions. Three amounts the hacker created a credit line and made purchases through that and those amounts have been refunded and classified through PayPal itself as being Fraudulent along with a fourth amount placed on my mothers card also refunded and classified as being Fraudulent. Of all five amounts, all happening at the same time, all happening on same day and four charges being classified as being Fraud, one amount of $1,736.71 remains that PayPal states I must have made. So, lets look at this from a realistic standpoint. Why would I, someone who is living month to month, no savings, suddenly out of the blue decide that I want to buy tickets that cost more than my monthly income, and go to a concert that I have no possible way of reaching for lack of funds and my truck would probably break down still inside of the state lines? I have been fighting this since day one, not understanding how individuals inside PayPal can not see the absurdity of this purchase they say was me! And no one has given me complete facts, I find something new out each time I talk to someone. What scares me and is going to make me close my accounts forever with this very poorly handled institution, is that the bank manager says anyone can make purchases like these one anyone account with only my/their login ID and email address...dont even need a password! I thought the BBB was put in place to protect us consumers from businesses like this who have no idea what they are doing yet we give them permission to access out financial life. Also, I never authorized this transaction, PayPal processed it on their own, and now I am meant to pay back PayPal's mistake! This is fair warning to anyone out there with a PayPal account, whats going on with me could easily happen to you. PayPal is not a bank yet they have the authority to transfer you income like they were and when something wrong happens talking to their customer service is like the blind leading the blind. The BBB really needs to look deep into this farce of a company and either make some major changes or -and this is my suggestion- close this company and stop them from having the authority to destroy someone's life all because of either a digital error or completely ignorant reps. Every one of these large financial purchases need to be deemed Fraudulent becaus they are. Now since this happened, PayPal has turned this over to a collections agency, American Coradius International llc, and after the phone call I had with the agent, HE believed me and began a Fraud case in my behalf in his company where as in they put a hold on everything giving me 30 days to prove my end of this case. Anyone I talk to about this in PayPal, after I explain what happened that individual also believes me and assures me it will be classified as Fraudulent, however here we are. Although I have been assured this will be handled by a warm blooded human being, I honestly believe all PayPal is doing is unloading this to their computers to make the decision. Any prosecutor is going to look at this and the evidence I have and not even take it cause they know they will never win. I also filled out a Police Report and have a full folder of documents with all evidence including StubHub transactions. StubHub can also correct this situation by classifying this purchase as being Fraudulent and I will be filing a complaint against them after this because its the same story, every individual I talk with believes me that this was a Fraudulent Transaction. Realistically, why would I ever place myself into a position like the one I am in now? I need PayPal and StubHub to look at this from a realistic standpoint and not just let their computers make the choice. There is no way I could even make a purchase like this, nor is their any way I could ever benefit from making a purchase like this because of my daily and monthly living expenses that, by the 15th, I am normally down to double digits in my bank account. In any case, thank you for your time BBB and allowing me to present my case. John Jeremy Scott

If required I can provide proof of my low income status along with any bank statements from any month or year. One final question: what right does PayPal have to fund an organization without said funds being in that attached account? also, what right does PayPal have in placing a debt charge that the account holder did not authorize? If it was a bank, the amount they funded would never have cleared! Like I said, PayPal really screwed up and now they want me to pay for their mistake.

this complaint is towards the collection institution named American Coradius International. my name is John Jeremy Scott and my complaint is that this collection agency will be attempting to collect funds that have never existed in any of my accounts. on August 21, 2024 a fraudulent individual hacked their way into my PayPal account from somewhere in another state or overseas and began to purchase concert tickets from StubHub; 5 in all. all purchases were made with StubHub on the same day and at the same time and all but one I stopped from being processed after I discovered what had happened when I got home. of the 5 purchases, 4 have already been refunded and classified as fraudulent: $1,736.71 transaction ID 4C256259HE043354D, $1,615.69 transaction ID 2BJ33210TT5421430, $2,533.31 transaction ID 8LJ54978F4264831R, $1,627.68 transaction ID 808836045Y556981M, and $3,010.08 transaction ID 8KR12844U1637251J. the first transaction for $1,736.71 is the amount in question as PayPal is unable to look back and see the previous transactions that have been refunded and deemed fraudulent, so why is this amount any different? so background on myself, and all comments I make I can prove, I am disabled and live on ssdi. I do not work, I own one truck with nearly 400,000 miles on it that couldnt make it outside the state lines without breaking down, and my income level annually places me below the poverty limit, so could someone please explain to me how I am to benefit at all buying concert tickets to some other state with money that exceeds my monthly income from disability? this collection agency needs to take a hard look at this situation and clear my name because there is not one benefit that could happen for me to place an order like this. all transactions placed with StubHub, 4 out of the 5 categorized as being fraudulent, yet 1 I must have purchased even though my income each month is usually spent on a mortgage, utilities, and normal living expenses...I even heat my home with a fireplace cause I cannot afford liquid propane. this company needs to see reason and inform PayPal that their information is inaccurately founded and to return my PayPal account to a $0.00 balance.