Consumer complaint received 2018-02-24
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Late in XX/XX/ I requested payment from my well established bank account through PayPal to a XXXX seller. They failed to draw the funds, then blamed me, then blocked my account. I made an effort to pay them once the negative XXXX balance showed up, but the blocked me from drawing funds from my bank. Their claim was that my BILLING address was a XXXX XXXX and thus did not meet the XXXX  's newly set in XX/XX/. I furnished them with the required 'new account ' documentation, photo ID, SOSEC card and Utility bill showing my PHYSICAL ADDRESS.. I received an email saying my account was " Restored ''. However in the next weeks they continued to block my use of funds from my bank account, citing the same reason. This has continued for now over eight months. They demand that my BILLING address, my CONTACT address all be my PHYSICAL address. This if course would mean that I would LIE, if I entered my BILLING address as my PHYSICAL address. 

Where I live there is NO home delivery of mail, thus all my financial institutions, the county tax bills, the utility bills and even the IRS utilize the authorized XXXX XXXX in XXXX XXXX. ONLY PayPal deliberately misuses the XXXX 's to harass and block payments from those US Citizens who reside in rural America from being able to make payments from their bank accounts. 

This, I feel is clear DISCRIMINATION based upon my location of residence, that the US 'government ' in the USPS does not serve me at my PHYSICAL address. Should I enter my PHYSICAL address as PayPal wishes, then I am -=lying=- regarding my credit card and bank BILLING address. That could be charged as a fraudulent action upon -=my=- part! 

We altered my one CC to show the address, including on the 2nd line my PHYSICAL address. This on their dictate, but once done - it was again refused as " being in compliance with the current XXXX 's ''. Again in XX/XX/, I went through hours of conversation with a supervisory level person, re-submitted ALL the documentation. She emailed " Our review is complete and we have returned your account to regular standing. '' However I was still blocked from accessing my bank account to make transactions. They keep saying : " I have read the thread of your emails since XXXX and saw the documents you sent. As it stands, PayPal requires a physical address so you can make bank transactions using your account. '' IF they saw the documents, then I have complied with the XXXX 's and they should not further DISCRIMINATE against me because of my BILLING, CONTACT or MAILING address! 

I am not alone, from chat boards, PayPal has been rapidly blocking all those outside the cities that do not directly receive mail at their home. Yes, I could put a mailbox out on the highway and use the FAKE address assigned to that from the USPS, but that also is NOT my physical address! 

IF PayPal had a PHYSICAL address form, a BILLING and CONTACT address form, then they would easily see the correct facts. It has been suggested, yet that keep maintaining the same 'mantra ' ... " This is the result of the U.S. Banking System requiring customers to provide a physical mailing address due to XXXX. XXXX are no longer acceptable. This impacts the customer 's ability to process transactions using their bank account and is advised to update their information. '' NOTE : they insist upon a PHYSICAL MAILING address - which of course does not exist due to the USPS not delivering to my home of residence! Proof of a PHYSICAL MAILING address is NOT part of the XXXX 's, only a PHYSICAL RESIDENTIAL address! 

PayPal 's DISCRIMINATION based upon my residence location continues ...

Company response to consumer: Closed with explanation