Consumer complaint received 2024-05-14
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 (CA)

My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality.

The limitation says it is, " Specifically, the sale of items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart. '' 1. I provided photo evidence of the shoulder bag I sold, which retails for {$50.00}, for {$65.00}. This does NOT break any of the following : infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction.

2. I do NOT have a website OR auction. This sale was done over XXXX, which I provided photo evidence. There is nothing about me using XXXX that breaks any of the terms of service. 

I primarily use my PayPal for XXXX ( XXXX  owned company, used to buy things from XXXX and shipped to my home in the US ) purchases and buying/sellings things off of XXXX. Everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XXXX XXXX XXXX {$1000.00} XX/XX/XXXX. Money Received ( Friend to Friend Payment for item I purchased on their behalf, the last thing I was able to do before being limited. I almost feel like this was intentional because PayPal did not receive any cut due to this being gifted ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$130.00} XXXX XXXX XXXX  ( XXXX, XXXX. ) {$27.00} XXXX XXXX XXXX in XXXX ( this is a payment plan with XXXX ) {$250.00} XXXX XXXX XXXX  ( XXXX, XXXX. ) THIS IS THE ITEM THAT I PURCHASED FOR XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$65.00} XXXX XXXX. Payment received for invoice ( I SOLD AN ITEM ON XXXX ) XXXX ( XXXX, XXXX. ) {$15.00} XXXX XXXX. Payment XXXX  ( XXXX, XXXX. ) {$110.00} XXXX XXXX. Automatic Payment XXXX XXXX {$570.00} XXXX  XXXX XXXX. Invoice paid ( I PURCHASED AN ITEM OFF OF XXXX ) XXXX ( XXXX, XXXX. ) {$15.00} XXXX XXXX. Payment XXXX  ( XXXX, XXXX. ) {$14.00} XXXX XXXX. Payment XXXX XXXX  {$150.00} XXXX XXXX. Money Sent " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( I BOUGHT SOMETHING OFF OF XXXX ) XXXX ( XXXX, XXXX. ) {$15.00} XXXX XXXX. Payment XXXX  ( XXXX, XXXX. ) {$15.00} XXXX XXXX. Payment The list goes on, you can see on my account that I have spent a XXXX  XXXX dollars using PayPal. In the last few months I have ONE single sale, hence the one sent out invoice to XXXX. The transaction between XXXX and I was not selling related, and was simply a reimbursement. You can see from the transaction history that I paid a little over {$1000.00} for something from XXXX  and they was paid back {$1000.00} flat. Support agents have all told me different things, ranging from " This should be resolved soon '' to " This is an odd case so it will take some time ''. Phone support tells me my account is under review still, while chat support tells me their decision to limit me forever is final.

None of these violate the XXXX. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXXPayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. I have already filed one with the XXXX  after your support agents told me " there is an issue with transferring calls today, we will call you back, have a nice day '' and no call ever came, as well as chat agents sending the same message to me over and over again, not assisting at all. Since the last phone agent told me that they would call me back, I have been unable to connect to a live agent since. It is sad to see a company using cowardice like this to unfairly limit a customer because their support agents decide to do so based on their own idea of the terms of service.