Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
RE : Questions about account limitations XXXX XX/XX/year> Dear XXXX, Thank you so much for reaching PayPal XXXX XXXX. We appreciate you for using PayPal in your business however our records show that following an in-depth review of the account, account activity and business model on XXXX XXXX you were informed that PayPal had taken the decision to end the business relationship with you and that your funds would be held for 180 days to minimize risk of loss to PayPal should buyers filed claims or chargebacks against payments you had received. 

For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to limit it permanently. We can confirm that the outcome of this decision will not be changed and has been carried out in accordance with our User Agreement. 

We are satisfied that all actions taken in this situation were correct and in accordance with PayPals agreed terms of use. 


Sincerely, XXXX PayPal XXXX XXXX PayPal XXXX XXXX PayPal. All rights reserved. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Subject : RE : Questions about account limitations XXXX ( XXXX ) PayPal Customer Support : Dear XXXX Our Board sat to consider this situation. We were wondering why PayPal was so confident in denying XXXX XXXX XXXX access. We looked all our directors and the consultant we use. We have figured out the problem. Our XXXX XXXX in whose name the account was opened had her documents stolen last year and she put a watch on her SSN. 

I have been instructed to apologize to you and to PayPal for any untold thing that may have occurred. XXXX XXXXXXXX XXXX and objectives are bigger than XXXX person. The XXXX has asked that XXXX XXXX XXXX ( me ) ask the credit companies to release her SSN for you to access or that we change the person in whose name the account is operated. 

Let me know if this a path PayPal can take XXXX XXXX XXXX XXXX operations will greatly be enhanced by a relationship with PayPal given both XXXX and XXXX use PAYPAL as the payment XXXX XXXX XXXX 

The thieves who stole my documentation will have succeeded greatly if my life is adversely affected by their actions Regards XXXX XXXX. 






Dear XXXX XXXX, Thank you for contacting PayPal XXXX XXXX. My name is XXXX XXXX and I am glad to assist you with limited account. 


We appreciate your interest in PayPal ; however, I have reviewed this for you, and I see that PayPal had made a strong and tough decision to permanently limit your account which means that you can no longer use this PayPal account for your transactions. I do apologize for providing this information to you. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. We review many factors before coming to a decision to restrict an account permanently. This is not something we do without proper consideration. We also can not disclose any specific reason as to why this account has been permanently restricted. PayPal 's investigation is confidential and proprietary. 



It's a good thing that there's no available balance on that account that will be held for 180 days since this is now the best opportunity to check for other payment processor outside PayPal to receive payments for your business. 



I appreciate your understanding on this matter. It is my pleasure to assist you. Thank you for choosing PayPal. 


Sincerely, XXXX XXXX PayPal XXXX XXXX PayPal. All rights reserved. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Questions about account limitations XXXX ( XXXX ) PayPal Customer Support : Hello You provide a proforma email. You did not address why you decided to limit our account even before we started. As a Nonprofit, given that XXXX and XXXX only use Paypal, you decision that XXXX XXXX XXXX can not use your services kneecapped our operations without cause. In the Non-profit ecosystem, Paypal is, in reality, a public utility We need this matter addressed since our donors and prospective donors would like to know where the challenges are XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief