Consumer complaint received 2025-07-21 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

Complaint narrative:
Dear CFPB, I am XXXX XXXX XXXX, I am writing to file a formal complaint against PayPal , Inc. regarding the unjust and damaging treatment I have received from their platform, including the unwarranted 180-day hold on my funds, the permanent deactivation of my account without clear justification, and a false and deeply offensive accusation made against me. 

My paypal email : XXXX My full name : XXXX XXXX XXXX On XX/XX/year>, PayPal initiated a review of my account. I fully cooperated and provided detailed information regarding the nature of the transactions I received. I explicitly stated that all funds sent to my account were personal and voluntary transactions from friends and supporters of my travel content, which I share publicly on social media. These transactions were not payments for goods or services but rather expressions of support from individuals who enjoy my content. 

After this review, PayPal restored full access to my account, which I took as confirmation that the explanation and source of funds were deemed acceptable. My transaction pattern remained consistent both before and after the XX/XX/XXXX review, up to my last successful withdrawal on XX/XX/year>. 

Despite this, PayPal has now permanently deactivated my account and placed a 180-day hold on my funds without providing clear reasoning, documentation, or proof to support such an extreme measure. The lack of transparency in their decision-making process is highly concerning. Despite my attempt to communicate with them via customer support, their agent provided no helpful insight other than calling me out on having received too many transactions from friends and family, something that they completely accepted on the first review on the XXXX XX/XX/year>. 

What is even more troubling is that in their communication, PayPal falsely accused me of XXXX XXXX XXXX  an entirely baseless and defamatory claim. This accusation is not only untrue but also deeply insulting and discriminatory. It is especially offensive and degrading as a woman to be automatically profiled in this way simply because I received multiple friends and family transactions. This kind of gender-based stereotyping and moral policing is unacceptable. 

I respectfully demand the following from PayPal : - A full and public retraction of the false claim accusing me of XXXX XXXX XXXX 

- A formal written apology for making this defamatory and discriminatory allegation.

- Immediate restoration of my PayPal account and the ability to access and withdraw my funds without waiting 180 days. 

The current 180-day hold is not based on any reasonable explanation or consistent policy enforcement and is having a significant negative impact on my livelihood. I have been transparent and compliant at every stage, and I do not believe that holding my money without proof of wrongdoing is fair, ethical, or legal.

I trust the CFPB will investigate this matter thoroughly and take appropriate steps to ensure that PayPal is held accountable for its unjust practices, lack of due process, and discriminatory conduct.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation