Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I received an email from PayPal that I can no longer do business with them. XXXX XXXX - XXXX This email did not provide a reason and phone calls to PayPal support would not answer questions. Their email says they may hold the money for up to 180 days. 

On XX/XX/XXXX I created a case on the XXXX. ( " XXXX XXXX '' ) I did not receive a response until XX/XX/XXXX. Their slow response was unwilling to assist or further explain. ( " XXXX XXXX '' ) I also contacted the XXXX XXXX Attorney General office on XX/XX/XXXX. The NY XXXX was unable to assist. ( " NY XXXX XXXX '' ) On XX/XX/XXXX, I emailed XXXX. ( " XXXX - Customer Support Fails to Assist Account Limitations ( 1 ) ( 1 ) .pdf '' ) All other attempts at contacting PayPal were unsuccessful and did not lead to a resolution, further detail, or a way forward. Their response on XX/XX/XXXX indicated : " Due to the potential risk of chargebacks and other forms of reversals, your remaining balance will be held for 180 days from the date the limitation was placed on your account. I will personally follow up with your account to ensure that the funds are available to you at this time. ". ( " XXXX - Response from XXXX in PayPal XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) .pdf '' ) During this time span no chargebacks or other forms of reversals occurred. According to this, I am entitled to withdraw my hard-earned account balance of {$3300.00}. I never received a follow-up email about the status of my funds. On XX/XX/XXXX I replied to the email asking for an update but received no response. 

After over 180 days passed I logged into my account to see the account had been emptied by them without notification. I received no email that a withdrawal transaction had occurred. My account was signed up for email notifications when it receives money or has money withdrawn. This transaction did not notify by email as it should have. 

In XXXX, I began working with the Law Offices of XXXX XXXX XXXX, XXXX We put together a formal demand letter which was submitted on XX/XX/XXXX. ( " PayPal XXXX - XXXX ( XXXX ) .pdf '' ) This letter was addressed to their legal department. We received a response dated XX/XX/XXXX. It should be noted the response received is from " XXXX '' in XXXX Escalations despite this letter being sent to their legal department. 

Additionally, on the same day of XX/XX/XXXX, my father XXXX XXXX 's account with a balance of {$8100.00} was also suspended. ( " XXXX XXXX Account XXXX '' ) His account was emptied without notice and we were not made aware of this until he logged into the account. The details of this are also summarized in the demand letter. 

Complaints are also being prepared for submission to the XXXX, New York XXXX XXXX house representative XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, and resubmission to the XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation