Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2018 a purchase was made via XXXX for an item I was selling in the amount of {$160.00} The funds should have been immediately available in my PayPal account however a HOLD was placed on the funds instead. 
A fee of {$5.00} was deducted immediately but the remaining funds were placed on HOLD. 

I contacted XXXX to ask why the funds were on hold, XXXX had placed all funds on hold for the first 90 Days as a new seller and after 90 days if they deem you a reliable seller they lift the holds and allow for funds to be immediately available. 

XXXX informed me that PayPal placed the funds on hold. 
I called Paypal to find out why, they informed me there was 'Cases ' on my account ...

Paypal considers any refund to be a case. 
At times as a seller people want to return an item. That requires me to send the refund via Paypal. even when the refund is issued, and there is no adverse effects in my account paypal considers this a 'Case ' As a seller, when someone made a purchase for an item, they would also pay a shipping cost. I wanted to always be fair and honest and anytime someone paid more for shipping then the item cost to ship I would issue a partial refund. 
Apparently this is BAD because anytime I issue any kind of refund it becomes a case and reflects negatively in my papal account. 

I have in the past had Limitations placed on my paypal account, fund transfer restrictions, and now HOLDS .... Paypal continues to add new restrictions ever couple of weeks. Everything will be working ok, and out of nowhere ANOTHER HOLD, or limitations or whatever they decide because they can! 

Paypal ALWAYS collects it's fee IMMEDIATELY for every transaction! They get paid even before my money is available to me. Then they place a HOLD or limitation or whatever that requires me to take extra and unnecessary steps that I didn't have to make just days before. 

EVERY ITEM IN THE PAYPAL Disclosure about holds, limitations, fees, and my account PROTECTS PAYPAL, and nothing in any of their disclosures protects ME as a consumer! 

Paypal can do whatever they want with my account whenever they want and for whatever reason they want and there is nothing I can do to prevent it. 
HOW IS THAT FAIR? How can I as a consumer have any confidence doing business with a company that continues to make doing business harder and at time IMPOSSIBLE? 

How can a company take it's fee and than restrict me from access my own money? 

How can a company consider a partial refund that is made as a courtesy to be a negative action on my part? 
NOW I WON'T EVER ISSUE ANY REFUNDS AS A COURTESY BECAUSE PAYPAL CONSIDERS MY HONESTY TO BE A NEGATIVE EVENT AND TURNS IT INTO A 'CASE ' Why is Paypal involved in XXXX XXXX business when the two companies have been split up? 

Of course Paypal will have a simple answer for everything, but like XXXX of 2018 when I last made a complaint they retaliate and place additional restrictions on my account! 

Why is there no alternative to Paypal that I can use as a seller on XXXX? 

I am forced to use Paypal to sell on XXXX! 
I have no other options! Why is that legal???? 
Isn't that Antitrust?? It appears to be the definition of ANTITRUST!

PAYPAL TREATS IT's CUSTOMERS LIKE GARBAGE! 
They can't dispute that!