Consumer complaint received 2022-08-25
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At XXXX on XX/XX/2022 I received a payment from a customer in the amount of {$3600.00} with the remaining account in my PayPal balance of {$3400.00} Immediately following the deposit, my account was placed on temporary limitations by PayPal XXXX not allowing me to transfer, refund, or request any money using my PayPal account ( but I could still receive funds ). I filled out the requested form, and submitted it back to them within minutes. Then, I called PayPals customer service center where I was directed to a lady who helped me fill in the blanks on the details of my company. She then said there was nothing further she could do, and that she would submit my information to the back room for review. I was told this process could take up to 3-5 days to complete. 

At XXXX on XX/XX/2022 I received another notification from PayPal : After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. 
Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

I called the PayPal customer service center again on XX/XX/2022 at XXXX and spoke to XXXX in the Limitations department for a duration of 53 minutes. I asked what happened because this surely must be some sort of mistake, as Ive always had an active account with PayPal for years, and this particular account had been in use for about 2 years and is tied to my business account. He then read off the same email that was sent to me ( as shown above ), and said there was no other information he could give me when asked what the violation was against my account. I then asked to speak to someone who could possibly explain better, and he said yes then put me on hold. A few minutes later, someone answered then hung the phone up. 

I placed another call to the customer service center at XXXX on XX/XX/2022 where I was put on the phone with an employee in the Account Limitations Dept. I explained the situation, and asked her if she could possibly give me answers. She said, the information is proprietary. And we can tell you but we wont. I explained that there must be some sort of mistake, and I reviewed the PayPal guidelines, and my account shows no indication of any violation as stated per their terms. She said that she couldnt give me any more information, and they will not be doing business with me. I then asked if there was a way to appeal this decision or possibly dispute the case, and I was told there was not. I had no options ; they werent willing to even look back and see if a mistake had possibly been made. The decision was final and my account, money, and personal information ( including my business tax ID ) is now theres for the taking.

Company response to consumer: Closed with non-monetary relief