Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I had created my Paypal account to withdraw my earnings as XXXX XXXX  on XXXX. XXXX allows withdawal only from Paypal and the registered Paypal email is the same one I've listed my complaint under. Days after creating my Paypal email, I withdrew my earnings of {$22.00} from XXXX but I never received this amount in my Paypal account. Instead, when I logged in, I was met with the message 'Your account is permanently banned due to violation of our user policy ', which meant I could no longer use Paypal . When I asked Paypal about this, they said they did no receive any amount. They held my funds and did not transfer it even after XXXX  days. I then contacted XXXX, to which they said they had transferred the money as I asked them to, which means that Paypal held my payments and did not give them back. I desperately tried to contact Paypal and after multiple calls with them, they kept telling me that they could not lift the ban. To be crystal clear, I, to this day, can not fathom why account was limited. I can not fathom what sort of fraudulent action or suspicious activity I could have possibly indulged in to get this ban. I had barely created my account and this happened. It has been XXXX years since this happened and I have been trying to get my account back ever since. Through contacting Paypal repeatedly and getting no resolution or even the initiative to look into the matter or consider lifting the ban, my determination is unwaivered. Just recently, I came across am individual who had the same problem and posted it on the net. The person had the same issues with Paypal and got a resolution here. So, I decided to do the same. I genuinely can not fathom on what basis can Paypal make such claims. I am a common man trying to make a living and Paypal is depriving me of that. XXXX doesn't allow a change in my registered Paypal email and thus, I am stuck in a quandary. Paypal doesn't seem to care to consider the plight of a person who tries to decently and legally earn money and then is faced with accusations of indulging in suspicious activity and then not being to earn any more. I can not even withdrew my remaining earnings in my XXXX account because of this. In addition, I am offended by the fact that Paypal is implicitly stating that I have indulged in fraudulent activity as if I am a criminal who is out to misuse Paypal. They do not even give a justification without so much as even being transparent. Isn't transparency part of their policy agreement? How can the user ever be satisfied or safely use their account? 

Therefore, it is my humble request to please deal with this situation. I will enclose the proof that my earnings have been cashed out from my XXXX  account but nothing shows in my Paypal account. I will further furnish the proof that my account is limited but since I have contacted Paypal on call, I will not be able to show proof for that. I have written messages to them but only initially, after which I decided on call was the best and most personal way to tackle the problem ( yet being totally futile ).

I genuinely hope that I can see a resolution to my problem. I just want to earn money from my account legally.