Consumer complaint received 2022-08-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XX/XX/2022 I have sold an item " XXXX XXXX '' to one of PayPal members online. Then my PayPal account get temp. limited for identity verification purposes. I was required to provide Government issued ID card and more information about the item shipped. 
PayPal has permanently banned me from their services because I provided Department of Defense ID as I misunderstood " Government Issued ''. 

I did call PayPal costumer service for resolution on XXXX XX/XX/2022 and the representative has found my state ID card already on file and escalated to the review department. Agent has assured me that limitation should get resolved after review but no, a day later I got hit with 2 limitations relating to my " business activity ''. Apparently, they didn't like that I have issued to many refunds in a short amount of time. 

I did call again another day because two limitations were quiet identical to one another and one of them didn't have the title pertaining to the limitation problem. The agent did confirm that I only need to complete the one that stated limitation reason and my account should be resolved in upcoming days. Except it didn't. One limitation was gone but not the one without pertaining reason and upon completion, within couple hours my account got forever hammered for " Potential Risk ''. 

I have made my final call on XXXX XX/XX/2022 and have been told that the escalation has been already made and the final decision was declared. They won't escalate it any further for reviews. 

The item sold on XXXX XX/XX/2022 was shipped the same day with tracking number provided to the costumer and informed about signature. He did confirm that package was received on Wednesday XXXX XXXX XXXX. Now, I am having hard time understanding " Potential Risk ''. After all, an agent didn't have exact cause/statement for why my account got permanently limited. Lets assume it was due to many refunds in last month. Four to be exact. Every one of them happened from reconsideration under buyers demand and shortly after payment. I always did my due diligence to refund the buyer in the timely matter without PayPal 's intervention. 

I have never received a fraudulent complaint or sold something broken, not as described items. Never had claims against me pertaining to items I sell. I've been using PayPal services for almost 2 years on same basis : transactions are countless at this point. Selling, buying, trading items online using PayPal with means of protection for both parties. Everyone who is selling and buying off XXXX uses PayPal XXXX & XXXX right? I am a trusted seller on XXXX and everyone is happy doing business with me. Everyone but not PayPal. Why? I sell and acquire items for hobby and never intended to make profits in the long term. 

Now, I currently have XXXX XXXX XXXX XXXX XXXX XXXX stuck in my account. Agent have gave me an option to wait for half a year to have hand on these funds. I also have a buyer who bought my " XXXX XXXX '' on XXXX XX/XX/2022 off XXXX with XXXX & XXXX option who I have had issued another full refund and canceled shipping due to me not being able to have access to his funds. We are working it out outside of PayPal on the item he desired to purchase. 

From what been said above : I can provide conversation details, dialogs, payments, shipping information for the last year of purchases and sales while I was operating through PayPal upon your request. I can provide in death details about every transaction upon request. 

Standing by for further instructions.

Company response to consumer: Closed with non-monetary relief