Consumer complaint received 2021-02-04
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I contacted PayPal to inform them of a large direct deposit I was getting from the proceds of a XXXX loan of XXXX dollars and to check to see if there would be any problems with my PayPal account. I was told no problem and everything was fine to have it sent. On the XXXX. The deposit arrived and I had made a few attempts to transfer to my linked bank account and debit cards. It triggered their system to lock my account and required me to upload my identity documents and explain the resent failed transfers. Got my account unlocked, after numourous calls to customer service where conversations were more heated as fustrations grew. As my account was unlocked I needed to get cash from my account to pay employees as these funds were ment for that purpose. I used XXXX through XXXX to get the money. After a day or so my account was locked again and had to now verify my already linked debit cards as well as my already bank account again. And was told that the verification process would take 24 -72 hours and I would have to wait. On XXXX XXXX my account now was limited 2times and only had access to my money ( XXXX XXXX ) a total of two days were every attempt to transfer out to my personal bank account after PayPal 's review was denied. On XXXX XXXX my account was restored after numourous calls again where conversations again got heated. On XXXX XXXX I get an email saying my account is permently locked and my funds will be held for 180days. I called to try to resolve with PayPal and they will not even answer any questions I have or give me any explanation as to why my account is locked other then " high risk ''. I don't use PayPal to process any payments for my business I don't sell anything where I use PayPal, there will be no chargebacks, returns or disputes on my account. Other then the one that has appeared on the only charge that they could PayPal for XXXX food delivery service. I called to inform them that the dispute open case wasn't stared by myself and to have it removed. The XXXX account is linked to my PayPal through PayPal and was linked by myself over the phone with customer service. I think as it was the only internet charge I had made it was a way to open a dispute on my account in order to withholding money for the 180 days. XXXX was linked through my PayPal account. I've reached out to the CEO to have my case heard no response. I offered for PayPal to look over my account and add up all the questionable charges and withhold that amount for the 180 days. And release the rest asap. PayPal has I believe found a way to harass myself by these in justified limitations on my account as a way to hold my money as an interest free loan to themselfs. I feel because our conversations got heated out of fustrations PayPal was out to punish me and my business for being very direct and blunt with them. I have followed every request provided every document up until the 3rd when my account was permently limited. They were waiting until they had no other option because everything I did was following their policies and advice from customer service. Every attempt I made to transfer out to my verified bank account was stopped by paypals system. Customer service didn't know why it wouldn't go through as well and said that their system won't even allow them to do it. What PayPal is doing is not only unfair but unreasonable. They have not only been unhelpful but very misleading in actions that I would need to proform. The customer service representatives were the ones while on the phone with them instructed me to try the transfers that were getting failed. After the first transfer that I did on my on the rest were attempted through customer service. PayPal account. ( XXXX )

Company response to consumer: Closed with non-monetary relief