Consumer complaint received 2026-01-29 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: LA

Complaint narrative:
The automated tools that identified my account as potential fraud is indeed a mistake. XXXX should believe any real documents over an automated tool first of all. Secondly, the security system identified my account was newly created because that is correct. I opened a XXXX  account because I was referred by a family member whom is my mother, and her name is XXXX XXXX. Shes the one who told me about the cash a check option because I really needed my funds in a hurry and didnt have transportation to cash my check. I was able to successfully cash my check due to the correct verification. Upon cashing that check, I thanked attempted to send the payment to XXXX  user which is my elderly aunt XXXX XXXX so no that was not fraudulent activity and I would appreciate if XXXX didnt use Defamation of character to my name which is publishing a false statement presented as fact that harms someone's reputation, divided into written libel and spoken slander, requiring proof of the false statement. Of course when I have provided all personal truthful documents. I even provided receipts where the original check came from which is from my car being totaled out. So how dare XXXX  state false information about fraudulent activity. 

Additionally, I dont need XXXX  to provide XXXX  services to me in the future. I will need any remaining funds to be available to me for withdrawal before XX/XX/year>, I am facing a severe personal emergency as a significant winter storm had erupted in my area. The funds held in my XXXX  account are essential for my immediate survival. Without these funds, I will be unable to secure necessary provisions, including food, water, and essential utilities, during this critical period. 
I request an immediate review of my account and the swift release of my funds. The XXXX hold period is unacceptable, particularly given the circumstances I am facing. I have always complied with XXXX  XXXX terms of service, and I have never engaged in any activity that could be considered suspicious. Yall dont have to give me the XXXX  service but I URGENTLY NEED XXXX  TO RELEASE MY FUNDS. 
This situation has already caused significant financial distress holidays season. The inability to access my money is creating a severe hardship for me and my family. 
Apparently this is an issue for many people and this company shouldnt even be standing. Theres no way this type of XXXX is even legal. I want and need my funds. 
Ive literally uploaded every personal document that I own. Its no way yall can lock all of my funds like that. I have childrenthat I need to provide for! I am 100 % entitled to my funds. 

( The Expedited Funds Availability Act ( EFAA ) : - This U.S. federal law sets rules about when banks must make funds available to you after you deposit a check. It doesn't directly apply to account freezes but shows the general principle that you should have timely access to your money. ) XXXX can lock funds for up to XXXX  days for various reasons, such as violations of its user agreement, suspicious activity, or identity verification issues.Which above appliesto me? Like how are they going to tell me Its fraudulent activity off of automated tools, when Ive literally uploaded all of my personal physical information.

Company response to consumer: Closed with monetary relief