PayPal Holdings, Inc. Credit Card Complaint

PayPal Holdings, Inc. Credit card department,

Arbitration Nevada

PayPal Credit sold my debt to a debt collection company called - with the following company email address - - without notice. Both Paypal and - - company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. - of the agreement. Paypal also violated section - of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in


debt collector have to tell me about the debt? Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and - - violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and - to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws.