Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
b'Here is my email with XXXXFrom:XXXX XXXX XXXXSent:TuesdayXXXX XXXX XXXX XXXX XXXX XXXXTo:Team XXXX \nSubject:Re: You have an update from XXXX  | XXXXXXXXMy XXXXXXXX XXXX XXXX balance is just XXXXafter my recent on time payment of XXXXXXXX have been an excellent customer since XXXX XXXXThere is nothing "concerning" about my activity.\n\nYou can see my web site and client listXXXX also manage a 501(c)3 nonprofit.XXXX received a 5 out of 5 Star rating from a XXXX  technicianXXXX XXXX  when she stayed at my house, and saw my\ncomputer consulting and room renting business.\nPlease ask XXXX  (nickname XXXX) if she had any concerns.\n\nYou charged XXXXXXXX XXXX XXXXnYour choice: weekly XXXX XXXX XXXX XXXX XXXX XXXX or monthly (see other request). Please decide today (XXXX  XXXX XXXX  paid you\nXXXX XXXXLaundry detergent\n\nXXXX XXXX paid you\nXXXX XXXXSat-Sun\n\n\n________________________________________\nFromXXXX XXXX XXXXSent:Tuesday, XXXX XXXX XXXX XXXX XXXXTo:Team XXXX  \nSubject:Re: You have an update from XXXX  | XXXXThere are supposedly "several concerns regarding your activity."\nAre you kidding me?\nI paid off $XXXX  on my XXXX XXXX XXXXand only have\n\nThere is nothing suspicious or "risky" about my transactions.\nName one that you are concerned about.\n\XXXX  XXXX  XXXX  RepaymentXXXX XXXX XXXX XXXX cash back\nXXXX XXXXEnjoy your cash back rewardsXXXX XXXX  charged you\XXXX XXXX XXXX XXXX for about 5 minutesXXXXInstant Transfer ConfirmedXXXX XXXX  fee deducted during transfer.\n\nTransfer Amount: XXXXFee: XXXXTransfer To: XXXX XXXX XXXXDate Initiated: XXXX XXXX  paid youXXXX XXXX XXXXXXXXYou charged XXXX XXXX XXXXYour choice: weekly XXXX XXXX XXXX XXXX for XXXX or monthly (see other request). Please decide today (XXXX  XXXX XXXX  paid you\nXXXX XXXXLaundry detergent\n\nXXXX XXXX  paid you\nXXXX XXXXSat-Sun\n\nXXXX XXXX  paid youXXXX XXXX XXXXYou paid XXXX XXXX XXXXComputer\XXXX XXXX  charged youXXXX XXXX XXXXStandard Transfer InitiatedXXXX XXXXEstimated arrival: XXXXDestination: XXXX XXXX  - Personal .. XXXX XXXX XXXX  RepaymentXXXX XXXX XXXX charged you\XXXX XXXX1 hour on Saturday night. Help new tenants get water turned on. Pull dishwasher out from under counter. Troubleshoot leak in dishwasher. Show new tenant. We\'re out to turn water main off. Send pictures of water situation to XXXXYou paid XXXX  XXXX XXXX to home lateXXXXYou charged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for XXXX  for sure and XXXX  maybe. Discuss options\XXXX XXXX charged youXXXX XXXX XXXX XXXX Move 5 battery packages into the basement. Found hot water leak at dishwasher, and water leak in cold water dispenser. Turned off water valve in basement, put packages with light switch on top step of basement .Took Pictures of everything and send to XXXXYou paid XXXX XXXX XXXX XXXXTime dealing with an ill abusive person\XXXX XXXX charged youXXXX XXXXProgram codes in all locks. Test -- passedd. Check water heater. Take pics as requested and send to XXXXYou charged XXXX XXXX XXXX XXXXFix Summary and TaxCalc sheets for XXXX XXXX XXXX XXXX XXXX XXXX minutes\n\nYou bought XXXX XXXX XXXX charged youXXXX XXXXRemove lock codes from fomer tenant. Check on water pipes. Get computers back online 1.5 het @69/hr\n-$XXXX XXXX charged youXXXX XXXXReset lock codes. Phone Frozen pipe under kitchen\n-XXXXYou charged XXXX XXXX XXXXntestingXXXX XXXX XXXX RepaymentXXXX XXXX XXXX XXXX RepaymentXXXX XXXX XXXX XXXX XXXX Repayment\XXXX XXXX XXXXYou paid XXXX XXXX XXXX XXXX XXXXCalling XXXX, XXXX, XXXX  XXXX finding\nXXXXYou paid XXXX XXXX XXXX XXXXnTime spent on XXXX request. Please ask me first. ThanksXXXXYou paid XXXX XXXX XXXX XXXX XXXXConsulting about XXXX XXXX phone and kind as possible eviction\XXXX XXXX XXXX RepaymentXXXX XXXX XXXX XXXX XXXX  cash backXXXX XXXX XXXXEnjoy your cash back rewards\XXXX XXXX XXXX  Repayment\XXXX XXXX XXXX XXXX XXXX  RepaymentXXXX XXXX XXXX XXXX XXXX cash backXXXX XXXX XXXXEnjoy your cash back rewards\n\nYou paid XXXXXXXX XXXX XXXX XXXX screenXXXX XXXX charged youXXXX XXXX XXXX XXXX XXXX  Repayment\nXXXX XXXX XXXXnYou paid XXXX XXXX XXXX XXXXMoving helpXXXX XXXX XXXX cash backXXXX XXXX XXXXEnjoy your cash back rewards\n\nYou paid XXXX XXXX XXXX XXXXHelp with car from garage and getting XXXX  certificatXXXX XXXX XXXX RepaymentXXXX XXXX XXXXYou paid XXXX XXXX XXXX XXXXConsulting XXXX XXXX XXXX  cash backXXXX XXXX XXXXEnjoy your cash back rewardsXXXX XXXX XXXX RepaymentXXXX XXXX XXXXYou paid XXXX XXXX XXXX, XXXX XXXX XXXX cash backXXXX XXXX XXXX\nEnjoy your cash back rewards\n\nYou paid XXXX XXXX XXXX XXXXDonation\nXXXX XXXX XXXX  Repayment\XXXX XXXX XXXXtandard Transfer InitiatedXXXX XXXX XXXXEstimated arrivalXXXX XXXXDestination: XXXX XXXX XXXX  Personal .. XXXX XXXX XXXX paid youXXXX XXXX XXXXHelp with the van and grass\XXXX XXXX XXXX paid youXXXX XXXX XXXXHelp with van and grass\n\nStandard Transfer InitiatedXXXX XXXX XXXXEstimated arrival: XXXXDestination: XXXX XXXX XXXX Personal .XXXX XXXX XXXX XXXX  paid youXXXX XXXX XXXXGrass seedXXXX XXXX XXXX  paid youXXXX XXXX XXXXFuel for van\n\nStandard Transfer InitiatedXXXX XXXX XXXXEstimated arrival: XXXXDestination: XXXX XXXX  - Personal .. XXXX XXXX XXXX paid yoXXXX XXXX XXXX XXXX XXXXStandard Transfer Initiated\XXXX XXXX XXXXnEstimated arrivaXXXX XXXXDestination: XXXX XXXX  - Personal .. XXXX XXXX XXXX  RepaymentXXXX XXXX XXXX XXXX XXXX paid you\XXXX XXXX XXXXnTaxes\n\nXXXX XXXX XXXX  cash back\nXXXX XXXX XXXX\nEnjoy your cash back rewardsXXXX XXXX XXXX charged youXXXX XXXX XXXXPayback for XXXXYou paid XXXX XXXX XXXX XXXX XXXX  help. Male-female connectors for computer cablesXXXX XXXX XXXX  Repayment\XXXX XXXX XXXX XXXX XXXX cash backXXXX XXXX XXXXEnjoy your cash back rewardsXXXX XXXX XXXX RepaymentXXXX XXXX XXXX XXXX XXXX  charged youXXXX XXXX XXXXPurchased sleep masks\nXXXX XXXX XXXX charged you\XXXX XXXX XXXXUse of my photo for XXXX  XXXX websiteXXXX XXXX XXXX RepaymentXXXX XXXX XXXX XXXX XXXX  RepaymenXXXX XXXX XXXX XXXX XXXX charged you\XXXX XXXX XXXX spokes model servicesXXXX XXXX XXXX  RepaymentXXXX XXXX XXXX XXXX XXXX  RepaymentXXXX XXXX XXXX XXXX XXXX cash backXXXX XXXX XXXXEnjoy your cash back rewardsXXXX XXXX  charged youXXXX XXXX XXXX XXXX hour. Replace defective electrical outlet. Install dimmer. Switch. Both items in upstairs bedroom and thenXXXXYou donated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RepaymentXXXX XXXX XXXX XXXX charged youXXXX XXXX XXXXGas\n-XXXX XXXX charged you\XXXX XXXX XXXX XXXX XXXX XXXX XXXX  info folder\XXXX XXXX XXXX  charged youXXXX XXXX XXXXnEditing Email\XXXX XXXX XXXX  Repayment\XXXX XXXX XXXX XXXX XXXXharged you\XXXX XXXX XXXXextra\XXXX XXXX paid youXXXX XXXX XXXXnpart of rent\nXXXX XXXX XXXX RepaymenXXXX XXXX XXXX XXXX charged youXXXX XXXX XXXXnRemoval Of Swimming PooXXXX XXXX XXXX  cash backXXXX XXXX XXXXnEnjoy your cash back rewards\n\nRefundXXXX XXXX XXXX didn\'t accept your payment.XXXX XXXX XXXX charged you\XXXX XXXX XXXX And Final Payment XXXX XXXX XXXX  charged yoXXXX XXXX XXXX XXXX 2nd Payment XXXX XXXXYou paid XXXX XXXX XXXX XXXX XXXXFeeXXXX XXXX XXXX charged you\XXXX XXXX XXXX XXXX 1st Pmt Of XXXX TotalXXXX XXXX XXXX Repayment\nXXXX XXXX XXXX XXXX XXXX  Repayment\nXXXX XXXX XXXX XXXX charged youXXXX XXXX XXXXFirst 15 Minutes Of Work Troubleshooting Bathroom Fluorescent Fixture. Recommend Replacement Of FixtureXXXX XXXX charged you\XXXX XXXX XXXXnSecond Payment Electrical Work Plus One 2-toggle SwitchXXXX XXXX charged youXXXX XXXX XXXXTest To Finalize After Job Completion\nXXXX XXXX XXXX charged youXXXX XXXX XXXX2.5 Hours XXXX XXXX  Help: Food Brought, Cleaning, Advising, Organizing Kitchen, Serving Drinks During Pulse MeetingXXXX XXXX XXXX  charged youXXXX XXXX XXXXExtra Hour For House Tour/ Cooking XXXX XXXX XXXX XXXX charged youXXXX XXXX XXXX Hours XXXX  Hostess, Plus Food\n-XXXXXXXX XXXX XXXX  charged you\XXXX XXXX XXXXnOne Hour Spokesmodeling: XXXX XXXX  And Water Dispenser Cleaning, Plus XXXX  Lunch\nXXXX XXXX XXXX charged youXXXX XXXX XXXX2 Hours @ 30/hr 1. Communication Consultation 2. Clarifying Social and Professional Correspondence GoalXXXXYou paid XXXX XXXX XXXXPlease enter your XXXX review for XXXX  This $XXXX  is a test of XXXX. ThanksXXXX XXXX XXXX XXXX charged you\XXXX XXXX XXXX XXXXYou paid XXXX XXXX XXXX XXXX XXXXTest\XXXXYou paid XXXX XXXX XXXX XXXXReview and recommendations on email about PulseChain to investors in XXXX  plus tiXXXXYou paid XXXX XXXX XXXX XXXXReview email template for house guests and give recommendation for improvementXXXX XXXX  charged youXXXX XXXX XXXXwebsite\XXXX XXXX  charged you\XXXX XXXX XXXX XXXX XXXX  charged you\XXXX XXXX XXXXSpokesmodeling for Inventions video XXXX XXXX XXXX 2 hours at 30 per hour\nXXXX XXXX XXXX charged youXXXX XXXX XXXX45 min. spent filming and editing intro. (@XXXX/hr rate for today)\XXXXnYou paid XXXX XXXX XXXX XXXX XXXXnSpokes Model for XXXXnStandard Transfer Initiated\XXXX XXXX XXXXEstimated arrival: XXXXnDestination: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nYou charged XXXX XXXX XXXX XXXXWeb consulting\n\nYou paid XXXX XXXX XXXX XXXX XXXXAdditional voice actress work.XXXX XXXX XXXX charged you\XXXX XXXX XXXXThree sound files\n-XXXX XXXX XXXX  charged youXXXX XXXX XXXXommunicationXXXXYou paid XXXX XXXX XXXX XXXX XXXXnDown payment of 1/2 on XXXX XXXX XXXX  to help XXXX XXXX XXXX about XXXX  XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RepaymenXXXX XXXX XXXX XXXX XXXX cash backXXXX XXXX 2021\nEnjoy your cash back rewardXXXX XXXX XXXX charged youXXXX XXXX XXXX gifts for large family. Thank you. The Mom was so excited when I told her what I had gotten. A friend was selling a mini kitchen and a riding bee, which I got for the XXXX XXXX XXXX  Its his XXXX  today actually. He\'s really cute. Thank you for helpingXXXX XXXX charged you\XXXX XXXX XXXXCleaning\nXXXXYou paid XXXX XXXXXXXX XXXX XXXX\nNice\nXXXXYou paid XXXX XXXX XXXXXXXX XXXXNice\nXXXX XXXX charged you\XXXX XXXX XXXX\nCleaning\n-$XXXX\nXXXX XXXX  charged you\nXXXX XXXX XXXXCleaning\XXXX XXXX charged you\XXXX XXXX XXXXCleaning of house\nXXXX XXXX  charged youXXXX XXXX XXXX\nCleaning\n-$XXXX\nYou paid XXXXXXXX XXXX XXXX XXXX\nCleaning\n-$XXXX\nYou paid XXXX XXXX XXXX XXXX XXXX\nTenant relations\n-$18.00\nYou paid XXXX XXXX XXXX XXXX XXXX1/2 hour reading email and consideration about XXXX call on XXXX XXXX XXXX charged you\XXXX XXXXXXXX XXXX call participation\n-XXXXnYou paid XXXX XXXX XXXX XXXX XXXXReview of XXXX project for XXXX  call,plus XXXX XXXX XXXX invite XXXX  to join team, plus XXXX XXXX XXXX  charged you\nXXXX XXXX XXXXnd hour of meeting with XXXX XXXX XXXXYou paid DXXXX XXXX XXXX XXXX XXXXPrep for spokes model job consideration.\n-XXXX XXXX XXXX charged youXXXX XXXX XXXX1 hour XXXX  practice/preparation/emailing/ troubleshooting/email composition in preparation for meeting wXXXX XXXX XXXX XXXX hour XXXX  meeting with XXXX XXXX XXXX XXXX charged you\XXXX XXXX XXXX2 hours of Communication, Networking, and Research for remote viewing work.\XXXXInstant Transfer Confirmed\XXXX XXXX XXXX fee deducted during transfer.\n\nTransfer AmountXXXX XXXXnFee: XXXXTransfer To: XXXX XXXX XXXXDate Initiated: XXXX XXXX  paid you\nXXXX XXXX XXXXRent\n\XXXX  XXXX  paid you\XXXX XXXX XXXXTestXXXX XXXX XXXX charged youXXXX XXXX XXXX1.5 hours of house marketing XXXX XXXX XXXX charged youXXXX XXXX XXXXHouse site marketing\XXXX XXXX XXXX  charged youXXXX XXXX, XXXX\nUse of photo for house poster\XXXX XXXX XXXX  charged you\XXXX XXXX XXXX  photo selection and training\nXXXX XXXX XXXX  charged you\nXXXX XXXX XXXXHouse management, Communications/ follow up and future communication with XXXX XXXX XXXX  charged you\XXXX XXXX XXXXnRight to publish 3 photos, on XXXX XXXX XXXX House website, contingent upon the following : - XXXX\'s visual evaluation, and pre-approval, per photo - XXXX\'s written consent, either email or paper, per photo\n-$XXXXXXXX XXXX XXXX  charged you\XXXX XXXX XXXXnSpokesmodel/ video help\nXXXXFrom:XXXX  XXXX XXXXTeam XXXX) \nSent:Tuesday, XXXX XXXX XXXX XXXX XXXXnToXXXX XXXX  \nSubject:You have an update from XXXX XXXX XXXX XXXXYou have a new message from XXXX  regarding request #XXXX. To respond, simply reply to this email.\nHello XXXX,\n\nThank you for contacting us.\n\nAfter reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XXXX  Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX  service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX  community.\n\nThe funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your XXXX  account should these funds be available for transfer in the future.\n\nPlease be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email.\n\nThank you for your understanding.\n\nRegards,XXXX XXXX |\XXXX Account Specialist\XXXX is a service of PayPal, Inc., a licensed provider of money transfer services (XXXX XXXX XXXX7). All money transmissions are provided by PayPal, Inc. pursuant to PayPal, Inc.s licenses.\nPayPal is located at XXXX XXXX XXXX XXXX XXXX XXXXe, CA, XXXX]'

Company response to consumer: Closed with non-monetary relief