Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, owner of Truly Grateful Bakery ( email : XXXX, phone : XXXX ). I am submitting this letter as a formal complaint and request for escalation regarding ongoing issues with my XXXX account that have prevented me from operating my business effectively. Since XX/XX/2025, I have been attempting to create a XXXX payment link that includes taxes, delivery charges, and all required transaction details. Despite numerous attempts and multiple contacts with customer support, this issue remains unresolved. I have linked my bank account on XXXX separate occasions ; however, I have never received the required verification deposits. I have repeatedly explained this to customer service representatives, yet I continue to be told that my bank account is not connected. During a recent call, I was also informed that there may be a restriction or freeze on my account, but no one has clearly explained what the issue is or provided steps to resolve it. During my most recent support conversation, I repeatedly clarified my situation, including the prior bank-linking attempts and missing verification deposits. The responses I received did not address the information I provided. I respectfully request that XXXX review the recorded call, as it will demonstrate that my concerns were not fully acknowledged or evaluated during the interaction. Additionally, I have experienced excessive delays when attempting to obtain assistance through chat support, often waiting approximately XXXX minutes because multiple other customers are in the queue. I should not be required to wait this long for contact or follow-up when seeking help resolving an active account issue that directly affects my business operations. I am also experiencing system errors where the AI is not recognizing the phone numbers associated with my account and is connecting me to different email addresses. In XXXX instance, the system connected me to XXXX, an email address unrelated to my account, while other addresses associated with my account have been closed. This indicates that the system itself is malfunctioning, further preventing me from accessing the tools I need to operate my business effectively. I have followed all available instructions in good faith, but the system has not functioned as described, and I have been unable to obtain effective assistance. As a result, I have been forced to process orders through another provider because I can not properly apply taxes or delivery charges using XXXX, which is negatively impacting my business operations. I am requesting the following actions : XXXX. A complete review of my account for any restrictions, freezes, verification errors, or system malfunctions. XXXX. Written clarification explaining why my bank account verification has failed despite multiple attempts. XXXX. Direct assistance from a knowledgeable XXXX to enable payment link creation with taxes and delivery charges. XXXX. Confirmation of the corrective steps being taken to resolve this matter permanently. If this issue can not be resolved promptly, I will need to pursue further escalation through appropriate consumer protection and financial regulatory channels to obtain clarification and resolution. I appreciate your immediate attention to this matter and request a written response outlining next steps. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation