Consumer complaint received 2020-06-13
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 (TX)

PayPal says they can no longer offer me services. I am unable to remove my bank information from the website and am unable to close my account. On XX/XX/XXXX. XXXX I used PayPal to send money as gifts to two individuals ( both of which are my sons ). These are my only transactions.

Then I received this notice ( Please see below ).

You can't use PayPal anymore At PayPal, we value a safe  community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you can't send or receive money. Any money in your balance will be held for 180 days, after which we'll send you an email with instructions about transferring your money.

I attempted to resolve it by sending several messages ( receiving automatic replies from some of them ) and was unable to reach a customer service person by phone ( the customer service line is not available ). PayPal refused to say what the violation of the agreement was. I was also notified that this was a permanent decision. 

XX/XX/XXXX at XXXX XXXX  Thank you for contacting PayPal. In order to protect the integrity of our services, we can not disclose the specific criteria that causes PayPal to limit access to accounts. For more information on reasons why we limit access to accounts, please refer to the User Agreement for PayPal Services. Unfortunately, we are unable to be more specific. Please let us know if you require any further assistance. Sincerely, XXXX PayPal Account Review Department PayPal XXXX XXXX at XXXX XXXX  Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. 

XX/XX/XXXX at XXXX XXXX  Thank you for contacting PayPal with your concern. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. 

XX/XX/XXXX Sent message through the PayPal website but received electronic form response.I am unable to reach anyone in person by phone and just continue to receive multiple computer generated responses. 

This is my Request to Close Account and Remove my Bank Account from Website My request is to have the account closed and my bank account removed. ( I do not have any business attached to pay-pal and I am concerned that having this account open with my bank linked to it puts me at risk for hackers and or my information to be used and funds to be withdrawn without my consent. 

This was the response received from PayPal. RE : Your question about an account limitation XX/XX/XXXX at XXXX XXXX  Dear Thank you for contacting PayPal Customer Support. I understand that you want the account closed unfortunately we can not close the account while there is current restriction on it. Sincerely, XXXX PayPal Consumer Support In Summary My Request is for PayPal to remove my bank account from the website and to close my account! 

Re : Reference ID : XXXX