Consumer complaint received 2022-12-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I created a Paypal XXXX account to support my interest in getting involved with affiliate marketing and I understood Paypal was a welcomed partner in their ability to support the financial processes needed for the billing and collection of sales revenues. I created my account with the details known at the time because there were many different types of products or applications available and since I hadn't completely made a hard fast decision I left it opened to be added later. Paypal is one of the options you can select on the XXXX XXXX site when you make purchases. I did my best to avoid using Paypal for this because I felt it was not required to complete the transactions i needed. In the process of me making purchases and then deciding some of what i got wasn't operating the way it showed or it was more difficult than expected. Each vendor has a refund policy so for things i wanted to return i followed the policy to request my refunds. In the process of this happening with my bank XXXXXXXX XXXX XXXX  - the charges appeared on my credit card statement with them - so i was working with them and out of left field i get this notification from Paypal making me aware they were looking into the problem but i didn't need to do anything. They open in investigation into something that clearly of no concern to them and made statements that they were waiting for resolution by my credit card company with had completed and closed but they never closed the inquiry on my Paypal account. 
I do some side work from time to time unrelated to affiliate marketing i painted a fence charge the customer XXXX he wanted to pay by credit card and i was anxious to see how the invoicing worked through Paypal. So after a couple attempts i was able to produce an invoice he could pay. I sent it to the customer and he sent his payment to me then immediately Paypal put a freeze on the funds- this was and is very upsetting to me after realizing there didn't seem to be a way around it- i waited for the stated release date - my attempt to retrieve my money at time was a notification from Paypal about needing to verify my ownership of the credit cards used in the netspend resolved refund and a copy of my bank statements and i was informed that access to my account had been restricted and i was limited in what i would be able to do. 
To me once i reached the end of there hold my money should have been released there was not one complaint or anything on my account. It is now XXXX  and they have been holding my funds since XXXX XXXX  the amount of the funds is XXXX. Even with large deposits at banks i have experienced anything like this and Paypal acts like they have XXXX accountability or responsibility or act in a way that is reasonable and customary and this is not anywhere close to that. Here is what makes their behavior even more confusing if my actions really where of a magnitude or level that i presented the type of risk they are alluding to in this erroneous and fictitious statements they made in the notes on my business account then why would my non business account be untouched. None of the actions taken make any sense at all and to me this is absolute abuse of power that has gone unchecked by the people who are suppose to help regulate these types of business but Paypal is clearly out of control. 

I would like my money that they have no right to be holding on to for this long

Company response to consumer: Closed with explanation