Consumer complaint received 2026-03-19 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: NY

Complaint narrative:
Please help. I have impeccable credit, over XXXX in credit reserve across all major banks ; and history of consciously taking meticulous care of my financial portfolio. I have been a responsible consumer of XXXX for the better part of the last decade, with a perfect and timely payment history. Over a month ago I noticed that XXXX had " suspended '' my account for " violating the user 's agreement. '' I typically use XXXX for transactions with friends to patronize mostly XXXX businesses ; and my most recent XXXX transactions were all within my typical perimeters. Upon calling customer service immediately, fearful that my XXXX credit card had been corrupted through identity theft. Instead the customer service person informed me that the issue was not related to my XXXX credit card, but rather within the entirety of my account. The person was not ABLE to give me ANY other information, because the customer service people on the front lines of XXXX are not given ANY information to help customers, at all. When I asked ( begged really ) to speak with the department that could be of help- I was told I had to wait, until they could address it. Iwaited ; forweeks. In between I sent emails and made calls to XXXX XXXX useless customer department XXXX XXXX ( XXXX, XXXX, total -- I have lost track ). I do, however, have dozensofuseless form letters from XXXX telling me they were " working on it. '' XXXX weeks in, I reached out and requested help from the XXXX XXXX XXXX. I submitted XXXX complaints with the XXXX regarding XXXX 's utter incompetence, XXXX times over the course of XXXX days. Each time that the XXXX reached out to XXXX, who then " unfroze '' my account. And then reach time I used the account for banal usage ( changing my " insecure '' aolprimary email to gmail ; linking my XXXX Send to XXXX ; and sending a friend a dollar to 'test '' the viability of my Venmo XXXX XXXX, each and every time, froze my account again. I sent my XXXX driver ID, my passport, a date stamped photo- everything the requested, no matter the deep humiliation. Each time, XXXX 's automated system froze my account. This unfrozen/frozen repetition has occurred well over XXXX times. I have date stamped emails as proof of this incompetence. Is XXXX retaliatory for my XXXX complaints filed with the CFPB? Are they being illegally discriminatory because many of my XXXX transactions are through XXXX businesses? Indeed, XXXX customer service person, over the weekend, admitted to me that since my account had been flagged, over a month ago, their computerized automated system keeps shutting me down, and that they haven't been able to figure out how to address orfix their internal automated system. If you do a quick XXXX search, you will find that HUNDREDS of consumers have experienced the exact SAME problem with XXXX, same situation, same ineffective customer service, same misconceptions and lies. XXXX staff seems to attempt to placate the CFPB ; without doing anything to address their malfunctioning technology. I no longer care for or about being a XXXX consumer. I DO care that this irresponsible, feckless financial corporation is so incredibly incompetent. I am incredibly frightened that this mismanaged customer service department and financial institution is SO XXXX. Please investigate and do the only thing the company heads will care about : fine XXXX a steep monetary penalty for their irresponsible business practices- on behalf both myself & countless others.

Company response to consumer: Closed with explanation