Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I contacted PayPal on/about XX/XX/2018 to inquire about accepting other payment options ( XXXX, XXXX, etc. ) from XXXX buyers because as a new seller, any PayPal payment received from a buyer was held by PayPal and XXXX for up to 21 days. When I spoke over the phone to a PayPal representative, she informed me that I needed to upgrade my current individual PayPal account that I have had in good standing for many years, to that of a business account in order to qualify for any other payment method from XXXX buyers. She aggressively and hastily pushed me through the process having me sign out then sign in, i.e., and after I did as she instructed me, I saw a notice on the PayPal screen that stated i.e., " Thank you for applying for PayPal Payments Pro we will get back to you with our decisions in 48 hours ''. At that point I was upset and asked the female rep " Did you just run a credit check background on me '' and she stated " Yes, a background credit check was run on you ''. I advised her I did not appreciate not being informed or asked first ( no authorization beforehand ) about a credit check run on me. She didn't say much except I would be getting a response from PayPal in that time frame. I realized that in her haste and aggressively rushing me through these other payment options she broke the law and violated the Credit Reporting Act. I notified PayPal a number of times but to date have not receive one response about this deliberate law violation by their agent. 

PayPal also placed an unlawful limitation and restrictions on my current account, while they have continued to withhold a payment from a buyer totaling {$1800.00} ( rcv 'd XX/XX/XXXX ) after multiple lies to me including stating that another account without my authorization or name on it, used my SS number and there was a debt owing on that account. I was shocked because this matter had come up once before a few years ago and I was cleared, that matter ruled in my favor by a PayPal agent. Now my present account in good standing for many years, and only after I received a significant payment from a buyer, did PayPal suddenly bring up a close matter but did state that they realize the other account is not mine but it needs to be cleared up. When I asked them repeatedly what is the information on the other account? Have you contacted the other account owner? What has been done? They refuse to give me any information. When I asked if they contacted the other party, they informed me they had. When I asked what did they say, they clam up and state they are unable to release any information. 

When I attempt to resolve the matter after signing in, I am directed to a " account limitations resolutions '' where when I click on the buttons for resolve, I am only shown a screen that says " click to resolve '', and when I click on this, another screen comes up " DONE '' with a strange email address. After which, " we will review your information and get back to you ''. There is nothing to review or get done on the matter at all. ( See attachments ) I realize that the other account whether it existed or not is not my responsibility or mine, and that PayPal knowing that this account I was informed of, was from well over 10 years ago, and that the statute of limitations has run out, have no legal grounds whatsoever to continue restricting and placing limitations on my current PayPal account. Though I have contacted them multiple times, they at first just ran me into circles with nothing to resolve this issue though they have admitted it is not my account. Now per all my concerns and complaints, and sending faxes and emails, online forum messages, they just ignore. When I was able to speak with a couple reps, they did nothing but make up lies and falsify their bogus stories throughout our conversation. Like rabid animals do they behave with no sense of honesty or lawful conduct. 

Their willful violations constitute punitive and actual damages. I need for my account to be released of their unlawful hold, limitations and restrictions and for my money to be released to me at once with no further problems in the future that relate to unlawful conduct on their part that constitutes violations of not just the Credit Reporting Act, but  other laws and regulations that govern them, all of us.

Company response to consumer: Closed with non-monetary relief