Consumer complaint received 2025-10-06 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

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against PayPal , Inc. ( a subsidiary of PayPal Holdings , Inc. ) for unfair, deceptive, and abusive acts and practices in violation of consumer financial protection laws. My complaint concerns the permanent limitation of my account and the subsequent wrongful XXXX of my funds after the 180-day holding period stipulated in their own User On or around XX/XX/year> PayPal placed a permanent limitation on my account. At the time of the limitation, my account held a balance of {$450.00} I was aware of Section XXXX of the PayPal User Agreement, which states that users whose accounts are permanently limited are able to withdraw their funds after a 180-day holding period. I awaited the conclusion of this period, which ended on XX/XX/year> However, upon the expiration of the 180-day period, I discovered that my funds were not available for withdrawal. Upon contacting PayPal customer service, I was informed that the funds had been removed and forfeited by PayPal. No clear, specific, or valid reason was provided for this XXXX beyond generic references to " violations '' of the User Agreement. I never received a detailed breakdown or any evidence justifying this action. 

XXXX XXXX XXXX. Attempts to Resolve the Issue Directly with PayPal : XXXX XXXX Before filing this complaint, I made several good-faith attempts to resolve this matter directly with PayPal : XXXX On XX/XX/year> I sent a formal demand letter via certified mail to the PayPal Executive Office at their XXXX XXXX address XXXX demanding the restitution of my funds and a detailed explanation. I have either received no response, or the response was a generic refusal without justification. 

These attempts have been unsuccessful. PayPal has failed to release my funds or provide a lawful and contractual basis for their confiscation. 

XXXX XXXX XXXX. Specific Violations and Consumer Harm XXXX XXXX XXXX I believe PayPal 's actions constitute several violations XXXX XXXX XXXX XXXX Breach of Contract : XXXX XXXX  Violating their own User Agreement by not releasing my funds after the 180-day period. 
XXXX XXXX XXXX Unfair Practice XXXX XXXX XXXX  Seizing my property ( funds ) without a valid, disclosed, or lawful reason. 
XXXX XXXX XXXX  Deceptive Practice : XXXX XXXX Promising access to funds after 180 days in their published agreement while systematically withholding them. 
XXXX XXXX XXXX Abusive Practice XXXX XXXX XXXX  Taking advantage of my inability to protect my interests in retaining the funds. 

This has caused me tangible financial harm in the amount of {$450.00} as well as significant frustration and time spent trying to resolve this issue. 

XXXX XXXX XXXX. Desired Resolution : XXXX XXXX I am requesting that the CFPB intervene on my behalf to ensure that PayPal : XXXX. Immediately returns the full amount of XXXX XXXX [ {$450.00} ] XXXX XXXX to me. 
XXXX. Provides a clear and detailed written explanation for the original account limitation and the subsequent XXXX of funds. 
XXXX. Corrects its business practices to prevent this from happening to other consumers. 

I authorize the CFPB to share my complaint with PayPal and to contact me as needed regarding this matter. All the information I have provided is true and correct to the best of my knowledge. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation