Consumer complaint received 2020-12-26
Company: Paypal Holdings, Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. My complaint is about PayPal. 
I have a PayPal account. 

On XXXX, my oldest daughter got funds to assist her and the family through the state SBA but since she doesn't have a bank account because she is about XXXXyears old, so I used my PayPal account to receive the money. 

I was able to withdraw some, but PayPal later freeze my account with more than {$37000.00} on it. PayPal said they noticed attempt for me to withdraw funds all the time. But the question is, was the money not to be spent? PayPal has not given me an answer to this. 

Well, I reached out to them several times and it takes them time to respond. 

I have been in communication with a Lady who said her name is XXXX XXXX from the office of executive escalations and promised me that my funds would be held for 180 days after that they will give me instructions on how to withdraw the funds. I agreed. 

My issue is, I didn't add a bank account to my PayPal and the few cards I linked to my PayPal as at that time are all closed. 

I reached out to XXXX XXXX and asked her to allow me to link a bank or a card to my PayPal account so I can be able to withdraw my funds after the 180 days but she didn't give me a satisfactory response. 

I also asked her to assure me that I will be able to link my bank or card to my PayPal account after the 180days is over so as to withdraw my funds and she didn't respond. 

I told her I will not accept a cheque/check as I have read bad reviews about a cheque from PayPal and as such it is necessary they allow me to link my bank or card to my PayPal account so that after the 180days is over, I can withdraw my funds to my bank. 

I also told XXXX XXXX that I am considering traveling to XXXX next year for a job in XXXX and as such, it is necessary I link my American bank or card to my PayPal account now when I have not travelled. 

The 180 days will be completed before end of XX/XX/XXXX according to PayPal, but I was considering traveling to XXXX ending of XXXX or first week of XXXX. So it is necessary for me to link my bank to PayPal now because I can not receive a PayPal check/cheque when I'm in XXXX but if my USA bank or my US card is linked, I can withdraw my funds to it irrespective of where I will be. 

XXXX XXXX said I can contact customer support on a later date to assist me in linking my bank. So on Wednesday XX/XX/XXXX I contacted PayPal and spoke with someone and they said I can only request for a check/cheque after the 180 days is over. 

I was also having issues with logging into my PayPal account but the customer service representative helped me and resolved it when I spoke on the phone and I can now access my PayPal account. 


My only issue with PayPal at the moment is for them to allow me to link my bank account or my card to my account or for them to assure me that I can link my bank or card to my PayPal after the 180days is complete.

Company response to consumer: Closed with explanation