Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Dating Back to XX/XX/XXXX I have transacted out of this account with PayPal via a business credit card that I owned. Some of these transactions were mostly from XXXX and I receive money from other family member and relatives. On XX/XX/XXXX, I began to transact with a merchant called XXXX. On XX/XX/XXXX I noticed that my deliveries have been stopped and refunds have been initiated to PayPal. When I reached out to PayPal to find out why these transactions have been stopped and refunded they tried to tell me that my bank notify them of unusual activity. As a former bank representative myself I knew that that could not have been possible because I did not initiate these nor were these transactions outside of my normal purchasing habits. So when I question PayPal further XXXX of their representatives told me the truth and said it was a third party system that reported that these transactions were unusual. I question PayPal because their third party system must not have been a gathering of the appropriate information because if the information was accurate they would have known that these transactions were consistent with all other transactions on my business credit card. However PayPal continue to tow a line of this lie saying that it was my bank that initiated this. Not knowing that XXXX of the representatives had already told me the truth that this was a third party system. After such PayPal began to go on this so-called Witch Hunt trying to find things that were not there they redacted money that I sent to other people causing their accounts to go into the negative so after those transactions were refunded because they had no reason to do it in the first place I stopped using PayPal but not before XXXX transactions were unauthorized and taken out of my account XXXX from a merchant called Neutron Holdings and XXXX money transfer to XXXX XXXX XXXX When I reached out to PayPal to initiate an authorized transaction complaints they declined my claim which were legitimate claims totaling about {$49.00}. I have never received this money back however PayPal continued on their Witch Hunt to investigate all of my lift transactions and doordash transactions which were ultimately resolved in favor of those Merchants meaning that they had no ground to stand on a PayPal. In between these times PayPal has limited my account gave me access back to my account limit to my account and regain access back to my account after that I did not transact with PayPal for about a month then my mother sent me {$19.00} and a friend sent me {$8.00} and then PayPal has now held my money then request it for information in order to review stating that I had previously opened other accounts which I had no knowledge of. Now PayPal has done another review and has decided to hold my money again for another XXXX  days which they already had initiated a hole for 120 days so now it comes across like they are just holding my money and playing games this needs to be stopped I just want my {$26.00} out of my account and to not deal with PayPal again. Third party system that they are using is ridiculous and obviously does not have the right information because it again if it were having the right information none of this will be happening to me at this particular juncture I just want my {$26.00} out of my account and to never do a PayPal again

Company response to consumer: Closed with explanation