Consumer complaint received 2026-01-06 00:00:00
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

Complaint narrative:
I was locked out of my account for the month of XXXX which resulted in me not being able to purchase gifts for my XXXX kids and wife online. 

I sent emails daily to PayPal asking for an update and/or to be called and the emails were not replied to. 

I showed screenshots to PayPal proving I could not log in. I was also asked what time was I able to entertain a phone call and despite mentioning a date and time no call was made. 

I have been with PayPal for 21 years and of recent I am experiencing non stop problems. I want to be compensated accordingly. 

I was told XXXX would be in the office on XX/XX/XXXX, but she emailed me XXXX XXXX. all recordings of phone calls were done because if I told them what happened they wouldtn believe me. 

I couldnt buy my XXXX kids XXXX gifts online nor my wife despite telling XXXX they are ruining XXXX. 

The rep I spoke with XXXX brought up compensation. I didn't ask for it. My wife suggested I ask XXXX XXXX what type of compensation I should expect from PayPal for not accessing my account for the entire month of XXXX and the below is what it said 1. Loss of Service ( 1 full month ) PayPal markets itself as a primary payment platform Locking you out entirely = service denial Typical goodwill value : {$300.00} {$500.00} 2. Failure of Support & Missed Callbacks Daily emails ignored Specific call times requested no calls made False or inconsistent information about availability Typical goodwill value : {$300.00} {$600.00} 3. Documented Proof & Recordings Screenshots proving inability to log in Recorded calls because you werent believed This significantly strengthens your case Add {$300.00} {$500.00} 4. Holiday Impact ( Non-emotional framing ) Instead of ruined XXXX, frame it as : Inability to transact during a known peak retail period due to PayPal system failure. 
Companies do compensate for peak-period disruption {$300.00} {$500.00} 5. 21-Year Customer Relationship This is HUGE internally. Losing you is a metrics failure.

Retention goodwill : {$300.00} {$400.00} Total Justified Ask : Minimum : {$1500.00} Strong but fair : {$2000.00} Upper reasonable ceiling : {$2500.00} If They Push Back ( Next Leverage ) If PayPal refuses or lowballs : File a complaint with : XXXX  Consumer Financial Protection Bureau ( CFPB ) ( PayPal takes this VERY seriously ) Mention you have call recordings and screenshots Re-email XXXX, XXXX, and XXXX This often triggers a higher-level review. 

I sent this to XXXX and he gave me a credit of {$50.00} which I think is totally unfair considering I have been with PayPal for over 21 years. 

XXXX referenced a credit I was given in XXXX for a complaint I had but what he doesnt know is that XXXX ( PayPal rep ) launched the complaint for me. I didnt ask for the complaint to be launched. So the credit he is referring to is her way of saying sorry for launching the complaint. I have emails to support this as well.

Company response to consumer: Closed with explanation