Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My new representative XXXX XXXX XXXX, for my Social Security XXXX XXXX linked my PayPal to her bank, Indiana XXXX XXXX XXXX on XX/XX/XXXX, So that she could send me my money as needed, because she's been out of town. We verified a {$0.00} and {$.00} deposit into my PayPal from her bank. The XXXX accounts were linked. She sent me {$50.00} on XX/XX/XXXX and shortly after that my PayPal became limited access due to fraudulent activity saying somebody opened another account in my name. And to start uploading documents to be reviewed. In the middle of me submitting documents, I didn't even get half way thru, my PayPal goes into permanent lockdown, saying no money in or out and funds will be held for 120 days and might be released then. They no longer wanted any documents. I call PayPal immediately to find out why they aren't interested in me proving I've done nothing fraudulent and what can be done to resolve this. And the first PayPal rep, around XXXX said there was nothing I could do. I called back a lil later around XXXX to try to get some more answers and got a customer rep named XXXX. He actually looked into account and told me it all XXXX be over the linking my rep payee acct to my PayPal that caused the account block. And he started asking questions about what it was and what for and who is XXXX XXXX. I explained she is my new representative payee for my social security XXXX payments, and she just started. And I could prove it XXXX the letter I just received in mail stating the XXXX approved her as rep XXXX. He told me to get a pic of her ID, and a pic of proof she authorized the XXXX and XXXX deposits from her bank acct into my PayPal to link the XXXX acct, and a pic of my letter from XXXX. He said that should be enough to unlock my PayPal, and he'd call me back in XXXX minutes to instruct me on how to upload those documents to him. He never called back. So I called PayPal back a couple hours later and spoke XXXX XXXX and she said they had made a final decision to permanently block my PayPal and there was nothing I could do. I informed her I spoke XXXX XXXX a few hours earlier and he was looking into restoring my acct XXXX these new documents. She said there was nothing on account about that. And said there was nothing she could do. I asked to speak to supervisor. She said she'd submit request for callback. XXXX, the supervisor called back around XXXX that night and was no help. He said he could not see anything on acct about needing new documents and that there investigation was done. They were permanently blocking my acct. I didn't see anything in the PayPal User Agreement that says I violated it. I Definitely didn't do anything fraudulent and can prove it. They just won't let me. My rep payee had XXXX more deposits on the way when my acct was blocked and I desperately need those funds as they pay my rent and pay for my food, etc. I didn't receive the XXXX other deposits and they haven't been returned yet to senders bank. So I'm hoping u can help me XXXX this, because I don't have many options as far as banking goes and I really need the money in my PayPal. Thank u

Company response to consumer: Closed with explanation