Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Complaints about 1 ) Fraud on behalf of payment service/digital wallet ( Paypal ) 2 ) Unlawful freezing of my funds/refusal to release my money, freezing my account for no reason 3 ) missing disclosures/predatory misinformation when opening an account. Paypal is attempting to defraud me out of money I was paid for selling merchandise on XXXX ( my camping tent ). Paypal froze my funds without any grounds. My valuable property is gone as I shipped it to XXXX buyer, buyer is happy, never disputed transaction/never requested return or refund and it's been almost 2 months, way past XXXX 30 day return window. Funds initially were released for me to use, by Paypal, but then my account was frozen/locked by Paypal, who terminated the account without releasing funds to me, without explanation. Paypal suddenly sent me a message that they " do not want to do business with me '', I after I tried to login from a new device, and that my account is frozen for 180 days, that they won't release my funds and that later they may " send me instructions how to get them back ''. This is criminal, unlawful brazen fraud by Paypal. This is also illegal discrimination based on my ethnic origin ; I have good credit, clean XXXX, never had any Paypal or XXXX  disputes, US citizen, I used Paypal only once, this is new account, there're verified my debit card and major bank accounts linked - I'm clearly being persecuted because of my ethnic origin. I demand immediate release of funds and to punish this criminal organization. Notice Paypal froze funds ONLY after I authorized XXXX to receive its cut ( fee ) out of my Paypal account - this shows fraudulent intent by Paypal - as soon as XXXX fee charge was authorized they froze account. XXXX was paid percent for the merchandise, I was not paid! Notice Paypal also waited for me to link and verify outside major XXXX XXXX account before they froze my funds - shows this is intentional fraud! Clearly I'm verified through my bank, where I received 2 trial deposts, so this is not identity verification issue, nether I ever recieved any identity verification requests from Paypal. In any case if they wanted to do verification all needs to be done BEFORE I authorized payment to go into Paypal account! I paid a lot of money for shipping of the merchandise, {$60.00}, I have no tent anymore, lost shipping money and Paypal is holding my money after suddenly freezing them. Aside from discriminatory account closure, I never authorized 180 day hold when I agreed for XXXX to send my payment via Paypal - this was never disclosed or was hidden/impossible to know, I was decieved, XXXX return window is 30 days, not 180 days and I never agreed on XXXX hold if Paypal decided to close account ( this was a new Paypal account I opened solely to be able to sell that tent on XXXX, I never sell on XXXX neither I use Paypal services otherwise ) .happended Another aspect of illegal Paypal actions is that I can not remove or change a linked bank account or a linked debit card, this violates the security of my banking elsewhere, I fear theft out of my linked bank account now as Paypal is a fraudulent organization. 
Timeline : I sold tent on XXXX on XX/XX/2021. 
Buyer paid and funds sent by XXXX to Paypal on XX/XX/2021, email stated : hold for 21 days. 
I shipped the item XXXX day after the sale. 
Funds were released for me to use after 21 days, I kept them in Paypal account XXXX XXXX was initiated by buyer, XXXX 30 day return policy had passed. 
Paypal I authorized fee payment to XXXX from Paypal account on XX/XX/XXXX and verified my linked bank account on the same date. 
Paypal froze and terminated my account and funds on XX/XX/2021 minutes later. 

In response to my message they sent a message with a link supposedly to verify something XXXX no human responded ever, only a robot ) - that link opened a page that stated they don't do business with me/closed my account.

Company response to consumer: Closed with explanation