Consumer complaint received 2020-11-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi PayPal, I would like to request a review for my permanently limited account. I am a XXXX from XXXX and I XXXX XXXX here in the XXXX. After receiving a payment for my most recent sale, I was temporary limited. I immediately knew someone was wrong when I received payment from the person I transacted with. His name was XXXX XXXX but the PayPal account he used to pay me was under the name XXXX XXXX. XXXX XXXX is a XXXX but the account he used had an US address. He actually also paid another friend of mine for a different transaction, and the same thing happened to him. I submitted all the requirements to appeal the temporary limitation and after a few days I was permanently limited. I tried reaching to your customer service in all channels, but either I get no response or they cant help me. I finally got in contact with one of my friends working in PayPal and he said that my case was NO APPEAL because I violated one of your user agreement policies and that I was doing currency exchange in PayPal. I assure you that I dont do currency exchange in PayPal, and only use USD as my buying and selling currency. Please reconsider my case I badly need my PayPal account especially since I have a few refunds from XXXX  incoming and other XXXX  purchases to pay for. I have XXXX USD locked in the account for 180 days, and that is quite a big amount of money I think I have the right to defend myself to the best of my capabilities so I have listed down all my transaction with PayPal with an honest explanation for every single one of them. 

Furthermore, after doing a lot of asking around here in the XXXX, it seems like the person I transacted with XXXX XXXX is involved in currency exchanges. I did not know this at first and some people vouched for him that he is a legitimate buyer, but little did I know he is involved in it. 

Trans. ID : XXXX Date : XX/XX/XXXX + {$29.00} from my friend who owed me. 

Trans. ID : XXXX Date : XX/XX/XXXX + {$220.00} from my friend who owed me. 

Trans. ID : XXXX Date : XX/XX/XXXX - {$150.00} bought something from XXXX Online Trans. ID : XXXX Date : XX/XX/XXXX - {$90.00} bought something from XXXX Trans. ID : XXXX Date : XX/XX/XXXX + {$120.00} borrowed money from a friend for an XXXX  purchase Trans. ID : XXXX Date : XX/XX/XXXX - {$130.00} bought the XXXX purchase I was referring to Trans. ID : XXXX Date : XX/XX/XXXX + {$130.00} seller refunded money because he can't ship to the XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$75.00} bought a similar item on XXXX   because previous seller can't ship to the XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$61.00} lent a friend money Trans. ID : XXXX Date : XX/XX/XXXX + {$360.00} friend asked me to buy something on XXXX Trans. ID : XXXX XXXX : XX/XX/XXXX + {$740.00} friend asked me to buy something on XXXX Trans. ID : XXXX Trans. ID : XXXX Trans. ID : XXXX Date : XX/XX/XXXX - {$360.00} per transaction. bought the items that me and my friends were going to buy Trans. ID : XXXX Trans. ID : XXXX Date : XX/XX/XXXX + {$150.00} payment for selling an item Trans. ID : XXXX Date : XX/XX/XXXX + {$550.00} payment for selling an item. THIS IS WHERE I THINK, PAYPAL BECAME SUSPICIOUS. THE PERSON I SOLD TO WAS NAMED XXXX XXXX, BUT THE PAYPAL ACCOUNT USED TO PAY ME WAS XXXX XXXX. I DON'T KNOW THIS PERSON NOR AM I ASSOCIATED WITH HIM. IT WAS AN HONEST SALE TRANSACTION. BUT I WAS IMMEDIATELY LIMITED AFTER THIS. THIS AS NOT MY FAULT. I DID NOT KNOW THE PERSON WAS SUSPICIOUS. PLEASE BAN HIM NOT ME. 

Trans. ID : XXXX Date : XX/XX/XXXX Cancelled payment of {$550.00} I was just testing if I could still send money right after I received money from " XXXX XXXX '' but I can not since PayPal already flagged me. 

THERE WAS NO CURRENCY EXCHANGE INVOLVED, I DONT EVEN KNOW WHAT YOU MEAN BY THIS? DO YOU MEAN CONVERTING THE USD I RECEIVE TO XXXX? AS YOU CAN SEE, I NEVER DID THAT. AND I DID NOT KNOW THE XXXX I WAS SELLING TO HAD A USA PAYPAL ACCOUNT. PLEASE UNBAN ME I HAVE REFUNDS INCOMING AND THEY CANT PAY ME BECAUSE OF THAT. I AM MORE THAN WILLING TO GIVE BACK THE {$550.00} I GOT FROM " XXXX XXXX '' JUST PLEASE UNBAN ME. I THINK I HAVE THE RIGHT FOR A FAIR TRIAL WITH PAYPAL SO PLEASE RECONSIDER YOUR DECISION. 

Also I would like to notice the person I was transacting with XXXX XXXX XXXX has more than 1 PayPal account, most of which are not under his name. Please do investigate on him he has been affecting a lot of people here in the XXXX with his shady accounts.

Company response to consumer: Closed with explanation