Consumer complaint received 2016-05-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have several complaints with Paypal and its company policy and procedure in regards to releasing funds and its fees on transactions. 
1. paypal company policy ... paperless statements being standard. I do understand the need for environmental conservation but when relating to financial records i demand a copy that has a better chance of it not being altered to support whatever excuse this financial insutution may have at the moment ... Due to the possiblity of a counter lawsuit i have been avised by an obtain legal representative to refrain and omit my previous complaint of fraud and criminal acts of using funds to pay recently Parted Ebay without some type of document stating that this act was implemented. Please also note copies of corresponding oral dialog were also discovered ( an app that rec all conversations and msg and stores via cloud ) unknowingly to both parties ( paypal rep and I ) stating and unknowing contridicting previous Paypal representive Statements on company policy and reasons excuses. Also advised to not include due to the non disclosure of record but also know of a link that is public to hear the recordings. Note i am not accusing Paypal of the criminal act and policy, but because this conversation with paypal represitive and i is publicly avavlible anyone wishing to hear can ... .i just wish the recording was admissible... 
2. Paypal policy on not releasing Seller ( funds ) due to Sellers Relations with Ebay. Im not too familiar but isnt it unortdox and unethical proceedure to take actions on client ( I ) based on issues relations with other ( recently parted ) party. Its basiclly giving and saying i dont like you and i can keep your funds till i feel that you have acted properly to release it to you. but noting and stating that due to late shipments to buyer ( my customer ) that they have adopted this new policy... Also would like to include that i am being penalized with fees by Paypal for their own policy. 
3. Paypal proceedure on charging a fee on all transactions after the initial fee. Including refunds to customers from disputes and double charges to same clients do the fact that once a complaint has been made by buyer paypal has the attority to release funds and make a desesion on faulty party ... without checking validity of statements. Basically, making judgement without facts and purely base on its views ( i assume not based on facts ) on client ( i ) previous issues. In stead of a etically position of making a finding of judgement on fault based on present complaint. 
4. paypal policy on advising the client ( i ) to recharge the buyer after it has made a mistake on judgement. and stating that they do not have the authority to retract the erroneous judgment. I am not sure on this act if it is a criminal act or an ethical concern and wasnt counceled on it with attorney but taking my chances and making this statement because i do have the email corresconding dialog with client buyer on it ... in additon also being charged a fee for this XXXX transaction.

Company response to consumer: Closed with monetary relief