Date Received: 2021-03-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: PayPal - Account Permanent Limitation & Fraud/Scam I have tried to solve this matter already by using XXXX ( XXXX XXXX XXXX ), but that was getting nowhere. They kept responding in a way like the automatic messages on their site does and never gave any answers to my problem. Email XX/XX/2021 I have emailed PayPal on the same day I sent XXXX the complaint ( before they took action which was XX/XX/2021. " I am familiar with the user agreement and I am aware that I haven't violated their policy. The account limitation didn't give a fair opportunity to explain my business model to upload the documents that were requested. I am respectfully requesting that the hold on my funds/account be lifted. I am requesting that my account be reopened or allowed to continue to use the PayPal service, or worse case I will take my business to your largest competitor and I will no longer be in need of PayPal 's services. I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. '' XXXX Case opened : XX/XX/2021 Complaint " My business account has been permanently limited swiftly without warning after receiving a fair amount of money. I have just started this account merely a few days ago ( XX/XX/2021 ) to monetize this troubling time in quarantine with digital/virtual goods services. I was receiving little payments of XXXX dollars on somewhat a daily basis, but nothing happened to my account. The moment I received a large sum of money ( XXXX dollars ), my account instantly got permanently limited without even a warning on XX/XX/2021 XXXX. I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I have used PayPal message Centre to contact them, but haven't got a reply as of yet and reading through PayPal community section this situation have been happening frequently to other consumers/businesses dealing with PayPal. I am happy to provide any further documents or perform any steps if required '' XX/XX/2021 I provide the documents to provide sufficient evidences that my account was permanently limited unfairly. Such as : The creation date, termination date, documents they asked for and I submitted in which they approved. PayPal 's " Apology '' XX/XX/2021 PayPal had contacted me via email apologizing and reactivating my account. Not even a day later they sent me another message stating that my account and been permanently limited again. They directed me to he Acceptable User Policy and I red it thoroughly, but once again my account have not violated any of the Acceptable User Policies. PayPal 's Response via XXXX XX/XX/2021 I had gotten a response from one of PayPal 's employees via XXXX complaint forum. " Dear XXXX XXXX, My name is XXXX, and I am reaching out to you from PayPal 's Office of XXXX Escalations. Your outreach to the XXXX XXXX XXXX was forwarded to me so that I can fully address your concerns. Ms. XXXX, XXXX concerning it is to find your accountlimited. A review of your accountshows thatit hasbeen limited permanently on XX/XX/2021. The limitation was placedin order toprotect us from potential financial losses.The transactions in your account showed some account activity that violates the PayPal User Agreement, and your account was permanently limited.I regret to confirm that you will no longer be able to use your PayPal account, as the decision can not be modified. Our decisions about limitations and any other actions we take under this user agreement may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers.We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may berestricted by regulation or a governmental authority from disclosing certain information to you about such decisions. Ms. XXXX, please note, this is not a decision wetakelightly.PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent orhigh-riskbehavior. Any money in your PayPal account will be held for180 days, starting on the date the limitation was placed on your account. The money belongs to you but is held in reserve to cover any disputes or reversals that may be filed against you.After 180 days, any money in your account can be withdrawn by check or bank transfer. You can also review the terms and conditions of the User Agreement. Click onLegal Agreementsat the bottom of any PayPal page, then clickPayPal User Agreement. I know this is not a kind of response you were expecting from us and I wish I could provide more details. However, XXXX your understanding in this matter. Please feel free to contact PayPal 's Office of XXXX Escalations at XXXX if you have any questions or concerns or if we can be of furtherassistance. Yours sincerely, XXXX XXXX XXXX Escalations Complaints XXXX Copyright ( c ) XXXX PayPal. All rights reserved. '' Filler XX/XX/2021 I have receive the same response via XXXX as well. My Response XX/XX/2021 I responded back to the generic message. " Good morning, I want this email to specifically seek XXXX, thank you. XXXX XXXX I will quote you throughout this mail, so pay attention. " The transactions in your account showed some account activity that violates the PayPal User Agreement, and your account was permanently limited. '' I have looked through Paypal User Agreement and once again I have found nothing wrong with my account, not even in the slightest. Even your own system has proven that as well in the screenshots I have provided in the complaint with XXXX ( I shall attach them here as well ). I hope you can see that this is entirely unfair, since I barely began to do my business with PayPal. [ XXXX ; Images XXXX and XXXX proves this ]. I found this awfully humorous, " I regret to confirm that you will no longer be able to use your PayPal account, as the decision can not be modified. '' This was either a blunt lie or an indirect acknowledgement of your ignorance. My account was permanently limited, but somehow I got an email back from PayPal apologizing for the inconvenience they have caused. If you obviously have the power to revert an account, then would in it means that the decision can definitely be modified. [ XXXX ; Images XXXX and XXXX proves this ] Seems like everyone isn't on the same accord here. Lovely, I honestly just wanted to quote this, " In addition, we may berestricted by regulation or a governmental authority from disclosing certain information to you about such decisions. ". You refused to tell me why I have been limited completely, which is odd since I am supposedly the offender here. Anyways, " ... ... to be involved in possible fraudulent orhigh-riskbehavior. '' I have repeatedly addressed this my account is not involved in " fraudulent '' or " high-risk '' behavior ''. I literally had that account for less than a week and it have been marked about such labels because I received one 'big ' payment. Truly injustice. Moving on, " ... I can fully address your concerns. '' in all honesty you haven't addressed any of my concerns, you basically just gave me the same automatic message from PayPal, but of course made it more human like with spelling errors. Finally, I have a case dispute opened on me for XXXX XXXX and XXXX XXXX dollar ( technically XXXX XXXX and XXXX XXXX ). I can without a doubt with the upmost confidence say I have served the customer with the order they requested from me. This charge back is entirely false, my hard work and the earnings I got from it swiftly taken from me is surely a surreal experience. ( 180 days is still unreasonable ). Sincerely, Miss, XXXX XXXX '' PayPal 's " Apologize '' Once Again XX/XX/2021 PayPal has sent me another email at XX/XX/2021 XXXX XXXX stating that my account has been reinstated, I am very uncomfortable because they did this before and has indefinitely limited it. Sent XX/XX/2021 My response from XX/XX/2021 was sent to PayPal. Permanently Limited XX/XX/2021 My account got permanently limited again. PayPal 's Rebuttal Response XX/XX/2021 " Dear XXXX XXXX, Thank you for sharing your concerns regarding PayPal 's recent response to your XXXX XXXX XXXX complaint. My name is XXXX with PayPal 's Office of XXXX Escalations and I appreciate the opportunity to further address your concerns. In reviewing your original complaint to the XXXX XXXX XXXX, I understand it is regarding the permanent limitation on your account and the inability to use our services. On XX/XX/2021, PayPal responded to your complaint and advised that we are no longer offering our services. Upon reviewing your complaint, I was able to confirm that you are linked to other accounts that are limited or negative. Thus, our decision to no longer offer our services is final. I have thoroughly researched the facts of this matter and can confirm our decision remains unchanged. We regret any frustration or inconvenience you have experienced with our services and, while we understand this may not be the answer you were hoping for, we believe our actions to be consistent with PayPal 's User Agreement. Our user Agreement states, " Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. '' Should you have questions or concerns regarding a different PayPal matter, you may contact PayPal 's Office of XXXX Escalations at XXXX. Sincerely, XXXX PayPal XXXX Escalations '' My Response XX/XX/2021 " Good Evening, Mr. XXXX you and Mr. XXXX has been saying the same thing as if it was completely an automatic message just to avoid confrontation somewhat completely. You say one thing, but whoever is behind the scene is saying another thing. I have yet again been fully unlimited after Mr. XXXX supposed statement earlier claiming the same as you are MrXXXX XXXX. Sadly, I have been limited again and once again my account haven't lived not even a week to even do anything against your terms. '' XXXX Case Closed XX/XX/2021 PayPal Fraud/Scam I just find it very strange when I received a " large '' amount of money that my account was permanently limited before when I was receiving small fees my account was fine and soon after XX/XX/2021 I was hit with a false chargeback ( I have provided my customer the service they requested for ) .My account also was not even a week old. The dispute that was open against me did not provide any evidence, this is a fraud/scam.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have XXXX or {$670.00} ( current USD conversion rate ) sitting on my Paypal account and can't be withdrawn. I traded bitcoin online and have chosen Paypal as form of Payment. I had traded my bitcoin with XXXX and sold it through XXXX ( XXXX XXXX XXXX ) back on XX/XX/2021 and had received my payment in Paypal the next 24 hours in gradual payment. Along with Paypal payment confirmation is a message that says my account is on hold. They asked me for documents and receipt and I have provided those documents transparently and had even provided a detailed information on how I was paid and what product I had sold and where, of course. Now, on XX/XX/2021 Paypal emailed me saying that I can no longer do business with them and after logging in to my account, they said they will hold it within 180 days. The email address linked to my Paypal account is XXXX. I really believed and have trust with the US government and as a XXXX, I enjoy working with clients from the US. I hope that this will be sorted out because that was a hard-earned money and it is needed most as a citizen of a third world country. I would thank you in advance for any help you can offer to me. Thank you!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I got an email from paypal i can no longer used their service for no reason. I know this is a mistake they always hold also my money everytime i received from my clients. They are not doing their job very well with their customer. They wanted me to wait for 180 days and give instruction how to get my remaining balance. That's not fair. They need to improved their system. My email link to paypal is XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I now have reason to believe that I may have been scammed out of some of the money I have been sending to an online person. This involved 3 separate transactions, one of which I actually was refunded for ( {$300.00}, Sent XX/XX/XXXX, refunded on XX/XX/XXXX ) which is good. The other 2 I know I will not be however ( Both Sent on XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$50.00} ). All transactions went through PayPal. The reason I believe this could ultimately be a scam is because of this person wanting that {$300.00} that was refunded to me sent back to a different account using XXXX. XXXX did flag this transaction as a possible scam, which I ended up not sending. This now has me questioning this person entirely.
Company Response:
State: WI
Zip: 54304
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX with PayPal registered email address XXXX My account was limited but the limitation was over and I got email from PayPal to withdraw my funds on XX/XX/2021, but when I want to withdraw my funds, it doesn't allow me, it says there is an issue with my account. But PayPal said I could withdraw my funds after the 180 days, but the 180 days is over and I can not withdraw my funds. I have funds {$4500.00} in my PayPal. I am very sad about this I have bills to pay. I need PayPal to resolve every issue with my account so I can withdraw my funds as the 180 days is over. Again my email address associated with my account is XXXX XXXX
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: To whom it may concern, Paypal closed my account of 8 years for no reason and refuse to assist me with resolving the issue and re-activating my account. I am uncertain if this an error on their behalf as I assume it has to be. I have not been able to get help from them and My lawyer recommended to file a report on this platform. It is clearly evident that there is an element of unprofessionalism and this is directly impacting me a great deal as I used paypal quite frequently for the past 8 years. My email linked to my PayPal is XXXX XXXX
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I sent to XXXX XXXX, through Venmo, a company dedicated to transmitting safe, fast, social payments, {$300.00}. As required by Venmo for verification purposes, I provided XXXX telephone number. Venmo did not pay XXXX the {$300.00} because her Venmo account was frozen due to activity that triggered security alerts. As suggested by a Venmo agent, I paid XXXX the {$300.00} outside of Venmo, by check, and requested reimbursement of the money by Venmo. Venmo has refused to reimburse the money because it allegedly paid a different XXXX XXXX.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Hi, my name is XXXX XXXX. I have a PayPal account with PayPal email ID as below : XXXX I have put my XXXX name XXXX XXXX at the time of creating this account and now they ask for my legal name, so I already provided them with my proof of address and Identification. The PayPal company hold my money since XX/XX/2020 and they want to hold it for 180 days!!! Whats the reason to put me in this pandemic under the financial pressure. I owe this email and this PayPal is for me so they have to release my money ASAP. They never answer the phone and never reply to my email with the solution. They make me crazy. I am so concerned and disappointed. Please help me Regards XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A