Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

I have XXXX and every time I receive money, I am being harrassed and XXXX holds up my money. First it was holding over a sale i did for XXXX. I had to file a complaint to finally fix it. XXXX and their reps are NOT wanting simple verifications. They are wanting to treat me like some XXXX or con XXXX, snooping in my affairs instead, constantly harassing my account on transactions, which are only a few to begin with, and not even alot of money being transferred. I do not have much money! That is why at this time, I needing donations or have to sell artwork for XXXX. I have XXXX and my dog has XXXX. I am also having XXXX XXXX with all the stress and XXXX is making it worse in all this unnecessary harassment. 

I had a business account which could have been corrected easily! Reps did it wrong and told me wrong. each time they said it was fixed, THEY made it worse or told me wrong info to correct it. I begged and requested it e turned into a personal account from a business account because paypal could not understand I am on limited income and allowed legally to make so much a year before i pay taxes. So i had no tax forms to show. Plus its my RIGHT not to share my tax info with them. They already have what they need but keep harassing me for more info to SPY only with less than XXXX deposits worth under XXXX. They had all they needed to verify and permission to change it over to a personal account. Instead they CHOOSE to hold my XXXX money up to 6 months. 

FINALLY, they released info and acct. I changed it over to a personal account as they said. I have a XXXX ONLY to my XXXX page to those I KNOW. I have XXXX XXXX soon. I have XXXX donations and THEY ARE HOLDING IT for " verification '' and harassing me once again. This is crazy. I BEEN VERIFIED. The person sending it is known not a stranger. OTHERS CAN USE BANK CARD to verify just like my account but I AM BEING DISCIMINATED against, and being harrassed because they wan na dig into my affairs. 

I am older lady on XXXX who is very sick. why am I being discriminated against like some XXXX or XXXX XXXXXXXX. I have had acct for XXXX yrs with them. Do only part time little things with them. When i had biz i did different things and it was all under my income limits. I not doing ANYTHING WRONG. I HAVE BEEN VERIFIED when i switched this account with legal choices. 
this is not acceptable every time i get a donation, help or whatever! If i do business again once well and sell my paintings, i can not even dare trust them to use with such on some small business level after all this. BUT THIS TIME i was told all is well and yet once AGAIN they are holding up funds, harrassing my account. 

" " '' It would be different IF i were a newer account. IF I had lots of money going through these accounts which I do not. If, if, if and they know i am not. Instead of using these features and policies against scam XXXX, con XXXX, web fraud, XXXX, and things it is meant to do, THEY ARE USING IT TO HARASS EVERYDAY NORMAL PEOPLE FOR NOTMAL THINGS, ABUSING THESE POLICIES. '' '' '' This time on a personal account level. I have been verified. They have my bank card. They have my social security. THEY HAVE MY PHONE NUMBER AND ADDRESS WHICH IS THE FAMILY XXXX YR OLD SAME NUMBER. They have talked to me even from the executive office! and again they hold up funds to verify AGAIN? 
no, i am being harassed. It needs to stop