Consumer complaint received 2026-03-10 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
State: AL

Complaint narrative:
PayPal has consistently withheld funds from me for extensive periods of time, even though Ive complied with every single one of their requests of identity confirmation, requests on more information about how and what I use their services for, and any other requests that were made every time they whittled money that was sent to my PayPal account. On XX/XX/year> I was sent a payment of {$5000.00} to my PayPal account and as always PayPal placed a hold on the funds and stated my account was yet again under an Account Review and my funds would not be accessible until after the review was complete and the expected date for the review to be completed was XX/XX/year>. On the morning of the XXXX I opened the PayPal app to see if the funds had been released yet and was met with a big red message at the top of my phone screen and it stated my account had been permanently limited/deactivated and that I was no longer allowed to use any features or services PayPal offers which included not being able to access the {$5000.00} in my account for at least XXXX days. I have called and emailed dozens of times at this point and requested an appeal on the closure of my account and was denied. Ive called and email asking multiple times why my appeal was denied and have been told every time that they cant tell me why. They also told me that the people who make the decisions on appeals and account closures at PayPal can not be reached by phone or email and refuse to give me any contact information. Ive made it a priority to point out that my account has been ever had any disputes or chargebacks, and has followed PayPals user agreement policys and their terms and agreements and have done so for years and that there was absolutely XXXX reason for the company to think that there would be any risks of a payment dispute or chargeback and that my funds needed to be released immediately. My requests have been denied with no explanation for the denial, ive been hung up on by customer service agents, and keep being told theres nothing I can do and I have to wait the 120 days for my funds to POSSIBLY be released. Ive stated repeatedly how detrimental it is that I have access to the {$5000.00} that they are withholding from me immediately and that I along with my family will more than likely become homeless, loose our vehicles, our credit scores will take a huge hit for late/missed payments on loans and other accounts if they continue to withhold my money. No empathy, no apologies, no offers of additional help or assistance with this issue, just blank monotone responses that sound like are being read from a list of scripted responses. Ive always done everything requested of me by PayPal, I have not violated anny of their polices listed in their user agreement but yet here I am. I would like PayPal to release my funds to me immediately so I dont lose everything Ive worked for my entire life and become homeless with my wife and XXXX kids.

Company response to consumer: Closed with explanation