Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Back in the month of XX/XX/XXXX I got a notice from Pay-Pal stating that my account was at high risk, however shortley later on as years went back I tried to appeal my case to PayPal upper management and the same response came back explaining that I have no right to appeal the decision and that the decision was made in Final. Paypal has been sending notices out to everyone with the same notice as the one I received listed below ... 

Because I was disputing some XXXX transactions back in XX/XX/XXXX-XX/XX/XXXX from PayPal, Paypal went to the sellers i had a previous long business relatioship with and sided with the sellers on XXXX. This is something that was made definitely an error by PayPal sepcially with all the disputes I was disputing and filling on the PayPal website during the time the disputes I was disputing went on and occured. paypal also told me that because there decision was final without reason or a warning to the issue listed bolow that there business relationship with me parted ways meaning PayPal does not want my business anymore and this is the kind of behavior that i will be hearing from any baking institution companies not just PayPal in connection. I do have some Paypal accounts that are still put on limited restriction but every time i call up paypal to lift my XXXX Paypal account that is put on limited restriction by PayPal and to no avail not a single human rep can fix my Paypal account what so ever. Also PayPal is so simular to other banking companies that deal with international banks to internation customers etc. PayPal is by the worst company ever that anyone should not be using because in the Terms of Use Agreement on the PayPal websites does not state that Paypal has a right to put limited restrictions on anyone 's PayPal account or closing the account down or making it look like the account was entirely closed when its put on Limited Restriction. Also, PayPal has been sending me fake PayPal emails about getting my accounts reinstated but the emails are systematically coming from PayPal even though someone is using my email address to open a new paypal account under a different individual 's name without my concent which PayPal should be cited on entirley in which case is fraud!!! 

XXXX wrote : Dear XXXX XXXX, Thank you for contacting PayPal regarding your limitation. 
We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. PayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. To minimize the disruption to your business, you can continue to log in to your account for the next 180 days. 

* If you have a negative balance, please add money to your account to bring your balance to at least XXXX. ( If you choose not to resolve your negative balance, we may take legal steps to collect the money. ) * Visit the Resolution Center to resolve any outstanding buyer complaints or chargebacks. 

* If youd like to refund any of your buyers, you can reply to this email with the transaction details. Well send a refund on your behalf using money from your PayPal balance. 

Heres how to view the status of a buyer complaint : 1. Log in to your PayPal account. 
2. Click Resolution Center near the top of the page. 
3. Select Open Cases from the drop-down menu next to View. 
4. Click Status next to the transaction. 
After 180 days, well contact you to let you know how to withdraw any money that remains in your PayPal account. You can transfer the balance in your PayPal account to your bank account or ask us to send you a check. ( You cant withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargebacks. ) Yours sincerely, PayPal, an XXXX Company Please don't 'reply ' to this email. We don't monitor this inbox. To get in touch with us, log in to your account and click 'Contact Us ' at the bottom of any page. 
PayPal XXXX XXXX XXXX XXXX XXXX. & XXXX, XXXX. 
XXXX en Commandite par Actions Registered Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Copyright XXXX-XXXX PayPal. All rights reserved. 


Sincere, XXXX XXXX

Company response to consumer: Closed with explanation