Consumer complaint received 2026-03-23 00:00:00
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
State: PA

Complaint narrative:
FORMAL DEMAND FOR DE XXXX RE-INVESTIGATION & ADMINISTRATIVE RELIEF TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM : XXXX XXXX ( Account : XXXX ) DATE : XX/XX/XXXX RE : Case ID : XXXX | Transaction Amount : {$20.00} SUBJECT : Formal Reopening of Dispute and Demand for Tiered Audit I. STATEMENT OF ADMINISTRATIVE DEADLOCK I am formally notifying PayPal XXXX XXXX of a systemic failure in its dispute resolution and account closure processes. For several months, I have been prohibited from exercising my right to terminate my relationship with PayPal due to a {$20.00} transaction from XX/XX/XXXX, involving merchant XXXX XXXX ( XXXX ). My financial institution has officially denied my chargeback and reclaimed the temporary credit, yet PayPal continues to maintain an " XXXX review '' status. This " Double Hold '' where the funds have been recovered by the system but the account remains lockedis a violation of consumer rights and a breach of the administrative duty to resolve disputes in a timely manner. XXXX. MANDATE FOR XXXX RE-INVESTIGATION I hereby reject all previous automated findings. I demand a New XXXX and a New Reviewer be assigned to reopen and audit this claim through the following XXXX distinct tiers : XXXX Tier ( Merit Audit ) : A new XXXX must re-verify the non-delivery of service by the merchant, XXXX XXXX. XXXX XXXX ( XXXX XXXX ) : A new XXXX must confirm that the {$20.00} has been reclaimed from my bank account, proving there is XXXX financial risk to PayPal. XXXX Tier ( Merchant Liability ) : A new XXXX must review the merchant 's history. I demand the merchants account be debited and placed into a negative balance to reflect the failure of this transaction. XXXX XXXX ( XXXX XXXX ) : A new reviewer must audit why this minor dispute is being used as a pretext to block a consumer 's right to account closure and data deletion. XXXX Tier ( XXXX Final Determination ) : A senior reviewer must oversee the previous XXXX tiers and issue a final, binding decision in my favor. XXXX. DEMAND FOR RELIEF & REMEDY I am seeking the following specific reliefs to settle this matter permanently : One-Time Fiduciary Credit : Issue a one-time credit of {$20.00} directly back to my original bank account as a final resolution for the item not received. Evidence of Remittance : Provide digital proof/confirmation once this credit has been successfully processed back to my financial institution. Manual Override : Perform a manual bypass of the " Unresolved items '' flag to allow for the immediate and permanent closure of my account. IV. FINAL NOTICE OF ESCALATION PayPal has XXXX XXXXays from the receipt of this formal demand to initiate the XXXX review and process the requested credit. Failure to resolve this administrative loop will result in an immediate filing with the XXXX XXXX XXXX XXXX XXXX ) for an independent document review, alongside a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for the unlawful blocking of account closure. Signed, XXXX XXXX XXXX, Pennsylvania

Company response to consumer: Closed with explanation