Without a doubt, PayPal Credit's Fraud Department is behind the mass scams going on with clients' accounts. Just like most of the others who have left feedback, money has come up missing, and I caught them lying about it from the beginning. I put money into an online wallet, which they returned within two hours; I hadn't bought anything with it, and it was simply for future work. I confronted them right away about the missing money in August, and they said I had reported it as fraud, which was a complete lie. I have proof. I immediately said that I never claimed it was fraud; someone at PayPal Credit did. I began to ask for proof of me reporting it as fraud because I could have withdrawn it. That's when they admitted on three occasions that someone from the Fraud Department performed the return. Then, they would claim I did, then they would claim they did. Now again, they are claiming I did and had bought something with it. However, I don't believe they contacted the company because you don't purchase when you put money in the wallet. You add money to your wallet and then decide to purchase, so what they were saying didn't add up. The other company provided a refund number, saying they refunded it right away in August. I have eight official letters from them confirming it was returned, and PayPal Credit is falsely claiming they didn't and kept it for products I received, which is not true at all. The way they described why they kept the money doesn't make sense in terms of how this company does business. They kept telling me to talk to the other company, sending me in circles. Not to mention, I never requested the money to be returned; the PayPal Credit Fraud Department did, and now it's lost. I shouldn't be responsible for it; they initiated it. I have official correspondence where I'm telling the company I never requested the money be taken out of my wallet in August. Come to October 7, 2023, they had made a new account and forwarded the $1,227.00, making me pay for it. It's crazy how the money I caught them lying about ended up missing and, months later, was forwarded to my account. Now, they are making me pay for something they did in the first place. Not only do I have to pay for the missing money that they returned, but now they are also making me pay interest on it. I filed official police reports and contacted the Better Business Bureau. The Fraud Department is pocketing all this money; it's clear to see, with all these similar stories of PayPal Credit creating new accounts without clients' permission or knowledge, forwarding balances, pretending not to understand anything you're saying, spinning you in circles, and making up stuff that doesn't make sense. Too many of us are experiencing money just disappearing. It's going somewhere into someone's pocket, which isn't fair to us as consumers. Be very aware of the scams and fraud being committed by them and use caution.