RCBC Bankard

September 17, 2021

To Whom it May Concern,

I am writing to dispute a charge in the amount of 52,152 in my account. My MasterCard

number is 5243 0212 0463 3207. I am using an extension card and the original card
holder is Ariel Baligat Galang. On September 12, 2021, around 6:00 p.m. I used my
card to pay products thru PayPal. I checkout as a guest and paid the said amount.
However, I AM Worldwide, the merchant of the products, told us that their PayPal
account is suspended and that my payment is still “floating”. They also mentioned that
the card issuer, is the one who can deny the transaction and that they cannot do
anything on their part because again, their PayPal account is still suspended.

The card holder, Mr. Ariel Galang already discussed this issue twice with the RCBC
bank representative/costumer service via phone. According to the bank, the payment
was already posted, and I will be charged this billing cycle. I tried to cancel the
transaction by calling PayPal international. Their solutions are:

1. I can cancel the transaction thru my PayPal account. However, I did not used
PayPal account and check out as a guest. I created an account after, but the
prior transactions will not be reflected.
2. I contact the merchant and ask them to cancel, refund or do not accept the
payment. This is not possible according to I AM Worldwide because they cannot
use their PayPal account as of this writing. I also emailed them but got no
response. I called their office, but they won’t cooperate. They will not send me
the products I paid for because of their issue with PayPal.
3. I contact the bank (credit card issuer) and file a dispute to avoid getting charged
for the products that I will not receive.
Hence, I am filing a dispute and requesting that any finance and other charges related
to the disputed amount be credited and that my billing statement will be corrected.

Enclosed are screenshots and pictures of the transaction and my card information
supporting my position.

Sincerely,

Remedios B. del Rosario