Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In late XXXX, I joined XXXX ( XXXX ) to sell personal possessions. XXXX compels one to use Paypal ( PP ) for all transactions. I was an XXXX & PP member years ago, when I had a business, and PP would send me my sales funds to my home by check. I do not use the other PP banking methods, due to fear of security breaches, because PP is a mess. I checked PP prior to recently opening XXXX & PP  accounts, to ensure a check can be issued, rather than my providing my banking info and the PP site reflected that a check could be sent to me. 
My dispute is that PP will not send my check for {$170.00}, until I " Verify '' my account, providing banking or credit card info. to them. I have photos on my XX/XX/XXXX chat with XXXX XXXX, wherein she advises that they see I had had a debit card on file and that my address is also confirmed. I removed the credit card that was on file for a month, because when I added it to get my sales funds, doing so was supposed to allow them to send the money to the card, which didn't happen so, I removed the card on XX/XX/XXXX. BUT, now they are trying to compel me to give them my banking info & credit card info to " Confirm '' my address, which I refuse to do. The process for receiving a check for my money is misleading and predatory. Though the site advises a check can be issued, customers must give sensitive security risk information to PP  without reason, to actually be issued and sent the check to the Verified address which is on file. Once I pushed back today via chat, explaining that PP 's request to provide the info is unreasonable, since they confirmed my address already, I received an email immediately which advises that my account is on hold for 21 days, contact XXXX. The XX/XX/XXXX chat is now gone from my PP account and it's good that I took photos of it. 

I further dispute that PP is directing me as an option to receive my funds, to go to XXXX of all places, and pay additional {$3.00} to get MY MONEY, which is a third party sham. PP must have a deal with XXXX to get a cut of the funds. Considering how PP abuses their customers, It is unbelievable that PP has been around so long. 

XX/XX/XXXXat XXXX, the following msg was received : " Really sorry, XXXX. I understand how concerning providing your credentials with us just to complete this process. I assure you that all your information with PayPal are all protected and encrypted. PayPal also consider varies factors to make this transaction safe and secure. If we are not able to to confirm your identity validation by adding and confirming a bank, I'm afraid that the system will not be able to complete the process. If there's only option that I can released this funds as a check, I already have done it long time ago. As much as I loved to help you, but the system are not allowing me to do so. 
The only option that I can provide for you to get access on your funds were : -adding your card again and transfer it which will only take within 30 minutes. However, there will be a % 1 charge of the total transaction.

-withdrawing the funds through XXXX where you can get your funds as fast as you're done with the process. However, there will be a {$3.00} charge as per transaction. 
-you can also apply for our PayPal Cash Card where you have direct access on your PayPal balance and use it in any type of payments. However, the card will be delivered after 10 business days. 
-you can also send this funds to your friends and family and let them withdraw the funds on their end. 
XXXX XXXX  from XXXX XXXX '' PP is trying again and again to get me to divulge personal and secure banking information unnecessarily, placing said information at risk and, they are with-holding my funds without my permission to continue to gain monetary interest. 

Please refer to XXXX and other online customer comment sites to review similar complaints from consumers. PP is a menace. 

Thanks much for your consideration of this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief