Product: Money transfer, virtual currency, or money service

I have an issue with the 180 Day Hold on PayPal. I have over XXXX XXXX held on my account and need that money for rent/reinvesting into my business. 
RE : Case XXXX - XXXX After being limited again for the same information that i already provided ( photo ID, SSN, Proof of address, Business /information, Proof of transactions ), paypal decides to deny my claim and close my account permanently. 

I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPal 's services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it - however because 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 will be filing complaints with the following agencies on Saturday XXXX, XX/XX/2019 if I am not satisfied with PayPal 's response to this request to release my funds : ( agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General Consumer Complaint Against A Business/Company State of California - Department of Justice - XXXX XXXX XXXX Attorney General The Washington State Office of the Attorney General https : //fortress.wa.gov/atg/formhand ... XXXX The Florida Office of the Attorney General Florida Attorney General - Citizen Services Contact Form The Arizona Office of the Attorney General Florida Attorney General - Citizen Services Contact Form Additionally : The United States Federal Reserve What do I need to know before I file a complaint? Federal Reserve Consumer Help ( I understand that PayPal does not operate as a " bank '' which is precisely why they may be interested in such complaints ) All complaints will be filed " online '' Saturday XXXX XX/XX/2019 and written copies will also be sent via certified postal mail. 

I understand PayPal 's need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of $ xx for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. 

Please be aware that replying with the standard " this is part of the terms of service that you agreed to '' will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Monday XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 

Thank you for your time again in looking into this matter. 

Case XXXX - XXXX Account ID : RE : Case XXXX - XXXX