Consumer complaint received 2017-05-31
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
OnXX/XX/XXXX, the negative balance on a linked family member 's account ( XXXX  ) was successfully resolved through a PayPal balance transfer. However, prior to today, 3 of my PayPal accounts became permanently limited due to sharing information ( IP address and phone number ) with XXXX. The accounts were XXXX (  my primary business account ), XXXX ( my personal PayPal ), and XXXX ( my secondary business account ). As detailed in previous complaints, the main reason for these accounts becoming permanently limited were due to participation in a restricted activity through the use or creation of other PayPal accounts in order to circumvent an account with a negative balance. I never knowingly participated in this activity, as the negative balance was unbeknownst to me until my primary business account ( XXXX ) was permanently limited. Upon learning of this linked account with a negative balance, I contacted PayPal to receive instructions on how to resolve the negative balance, and the linked account ( XXXX ) is now current and has a {$0.00} balance. Quoted from PayPal 's response to a previous complaint on CFPB : " Additionally, your Account shares your full name, credit card, phone number, IP address, computer , street address, Social Security Number, and mobile device with another PayPal account ( " Third Account '' ) registered under the email address XXXX, which is limited due to information shared with the Second Account, XXXX. '' This clearly states that my primary business account ( XXXX ) was permanently limited due to sharing information with a negative balance account. In addition, in previous complaints, I have addressed PayPal 's questions about the products I sell. I do sell computers and components, but so do tens of thousands of other businesses. In addition, refunds issued to customers were not due to a lack of ability to fulfill orders, but through customer requests to cancel the order ( these are all documented through my account on XXXX, with buyer 's remorse or a better price elsewhere being the primary reasons ).  Finally, my proven track record of selling success and customer satisfaction can be seen through my stellar sales records in both XXXX and XXXX PayPal accounts. Hundreds of transactions were successfully carried out with a very marginal return rate and only 1 dispute ( which was honored in my favor ). Across both of my primary accounts, there have been zero cases of fraudulently placed orders, due in part to my great measures put in place to prevent fraudulent orders from going through. In conclusion, the negative balance on a linked account ( which caused the permanent limitation on my Paypal accounts, XXXX, XXXX, and XXXX ) has been successfully resolved onXX/XX/XXXX. I am a state registered business, and have provided PayPal with invoices, tracking numbers for all orders, manifests, and government ID 's. This should establish that my account is not high risk. I respectfully ask that PayPal remove the permanent limitation from my accounts ( XXXX, XXXX, XXXX ). There is no reason for these accounts to be limited any further, as the negative balance on the linked account has been successfully resolved. I have not, and will never carry out any actions which violate the PayPal User Agreement, and I look forward to continuing a mutually beneficial relationship with PayPal. Thank you for your time and consideration.

Company response to consumer: Closed with explanation