Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

Paypal permanently banned me for breach of service when I did absolutely nothing wrong. I opened a dispute on a fraudulent seller and the seller uploaded false information and paypal beleived it, even though I have proof of seller lying through direct text messages. 

I run a XXXX XXXX and XXXX  and XXXX XXXX  XXXX  on XXXX. I have perfect, pristine feedback, and have exemplary ratings from every single one of my XXXX, as I offer great service and extremely high reliability. I have never once had an issue with paypal before this. Either XXXX  or XXXX, all parties have been happy, until now. I opened a dispute for items not received from a scamming seller. We made an agreement to go pick up the item in person. I sent payment through paypal to their paypal email address, as they lived closeby. Upon arrival, the items were not as described, so I refused to accept them and came back home and filed an immediate dispute. 

At the same time, I got a large purchase of over {$800.00} from a contract I was developing to purchase items for their business. The sale went through clear with no complaints. The items were shipped and the buyer was very happy, as I always provide excellent service. I have never once had a chargeback or dispute opened against me. Suddenly, the next day, I receive a message from paypal that I lost the dispute i filed on the fraudulent seller. Then a few hours later, they permanently ban my account and is now holding over {$1000.00} that I need for my business and to pay my bills. Money that I worked hard for. The scamming seller, upset that I filed a dispute, uploaded false information about me. Paypal asked me for proof, of which I provided. Then they still closed my dispute and then shortly after, banned my account. 

This is unfair and spiteful. Not only did they close my dispute, and the scamming seller gets away with my money, they also ban my account for no reason. I have been using paypal for years. Never had an issue. I am not sure if they suspected my large transaction as fraudulent, or if the scamming seller uploaded false information about me. I do have proof that the scamming seller did this as well, as the scamming seller then texted me and told me that they uploaded false information about me to crush me. 

I now have bills to pay, and paypal is keeping me from accessing the money that I worked hard for. Then I am also unable to sell and run my business, as I am effectively locked out from selling on XXXX, as PayPal is still the main payment processor. This type of treatment should not be allowed. I was unfairly and unnecessarily punished for opening a dispute against a scamming buyer, who somehow knows how to game the system. 

This should NOT be allowed. I am immensely inconvenienced and am now losing hundreds, if not now thousands of dollars, as I am unable to sell. I am DEMANDING a quick resolution to this matter from PayPal, as I have broken no laws, nor have I violated their terms of service in any way, shape or form.