Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Formal Complaint Against PayPal Improper Fund Withholding and Account Restriction Company : PayPal , Inc . Funds Being Withheld / Account Restriction / Unfair Business Practices I am filing a formal complaint against PayPal for improperly restricting my accounts, both Business, and Personal, and withholding my funds without adequate justification, transparency, or timely resolution. PayPal has held my funds for over XXXX weeks, and I have not been provided with a clear explanation, actionable steps for resolution, or a defined timeline for release. This lack of communication and access to my own money is causing significant financial harm. XX/XX/XXXXMy PayPal account was restricted and frozen on or around XX/XX/XXXX. XX/XX/XXXX PayPal is currently holding approximately {$4500.00} of my funds. XX/XX/XXXX I have attempted to resolve this issue through PayPals customer support multiple times with no meaningful progress or clarity. XX/XX/XXXX I have not received a valid explanation for the restriction beyond vague or automated responses. XX/XX/XXXX I have complied with any requested documentation ( if applicable ), yet the issue remains unresolved. This situation appears to be an example of :XX/XX/XXXX Unfair or deceptive business practices XX/XX/XXXX Improper withholding of consumer fundsXX/XX/XXXXLack of due process in account enforcement actions PayPals actions are preventing me from accessing funds that I was processing for my brother and he is relying on for normal financial obligations. I am requesting the following immediate actions : XXXX. Full release of all funds currently being held XXXX. Removal of any unjustified account limitations XXXX. A clear written explanation for the original restriction XXXX. Confirmation that my account will not be subject to arbitrary future restrictions This situation has created financial strain and uncertainty. PayPals failure to provide transparency or resolution is unacceptable for a financial services provider that consumers rely on to access their own money. I am prepared to provide : XX/XX/XXXXAccount screenshotsXX/XX/XXXXTransaction records XX/XX/XXXX Communication logs with PayPal support XX/XX/XXXX Was told to wait XXXX Business Days for Chase bank to prove they reversed the chargebacks. And that the back office was looking into the case. XX/XX/XXXX : XXXXXX/XX/XXXX PST Was on with them and they hung up. XX/XX/XXXX : XXXX PST XXXX XXXX spoke to him and asked for someone who could help me get answers. Transferred me to XXXX, " XXXX '', he could not provide any further details. Was told back office is looking into the matter. XX/XX/XXXX : XXXXXX/XX/XXXX PST XXXX XXXX on hold, XXXX XXXX hold time. Was told by XXXX, the manager that chargebacks take XX/XX/XXXX days to resolve. I have wasted so much time and lost so much money and sanity trying to deal with PayPal. I will not accept this as a form of business. XXXX XX/XX/XXXX they put me on hold for XXXXXX/XX/XXXX and then just hung up without reason. XX/XX/XXXXPST XXXX XXXX ID XXXX. Put on hold for another XXXXXX/XX/XXXX, no music, just a blank hold, and then hung up on. XX/XX/XXXX - XXXXXX/XX/XXXX XXXX XXXX, Spoke to her and she transferred me to XX/XX/XXXX XXXXXX/XX/XXXX XXXX Couldn't tell me what documents they need, forwarded me to his supervisor. XXXX XX/XX/XXXXXX/XX/XXXX on hold for XXXXXX/XX/XXXX waiting for him a supervisor. On hold again, he couldn't tell me what documents they need, he is getting a direct manager. XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX she is submitting a support ticket and here is the ticket ID XXXX I expect a response and resolution within XX/XX/XXXX days, consistent with regulatory expectations. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation