Consumer complaint received 2025-07-31 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 Consumer Financial Protection Bureau, My name is XXXX XXXX, a XXXX XXXX, and I am submitting this formal complaint against PayPal for withholding {$62000.00} USD from my account since XX/XX/XXXX, without providing any legitimate explanation, documentation, or legal basis for doing so. 

My PayPal account details : Account Name : XXXX XXXX Registered Email : XXXX Account Type : Business Country of Registration : XXXX PayPal Transaction/Limit ID : XXXX Background : In XXXX, PayPal permanently limited my account and stated that the funds would be held for 180 daysas per their known policy for dispute resolution. After this 180-day period, and with no active disputes or refund requests from any of my clients, my funds should have been released. 

My work consisted of helping clients grow their online presence and increase engagement on platforms such as XXXX, XXXX, and others. I provided legitimate digital support services tailored to each client 's goals. All services were fully delivered, and no disputes were filed. 

Before starting this line of work, I contacted XXXX support team to ensure that my intended services would comply with their Acceptable Use Policy. I was informed that using PayPal as a payment processor for this type of digital service was allowed. Based on this confirmation, I moved forward with my business, confident that I was in full compliance with PayPal 's rules. 

However, after the 180-day period passed, my funds were not returned. Instead, PayPal only responded years later, making inconsistent claims, such as : The funds were used to resolve disputes ( yet they never provided any proof, dispute IDs, or refund documentation ). 
My activity violated policies ( despite receiving previous confirmations that my services were allowed ). 
The reason is internal and can not be disclosed. 
Shock and Lack of Transparency : In XX/XX/XXXX, I logged into my account and was shocked to see that my balance was reduced to {$0.00}, without any prior notification, transaction history, or record of where the money had gone. 

Since then, I have contacted PayPal multiple times. The responses I received were vague, contradictory, and dismissive. They refused to provide : Any official documentation explaining the use or destination of my funds. 
Any dispute records, refund logs, or transaction history. 
Access to past communications ( messages from XXXX to XXXX have vanished from my account ). 
Dismissive and Unjustified Response from PayPal ( Evidence Attached ) : In an official response dated XX/XX/XXXX, PayPal explicitly told me : Maybe this is the best time for us to look for a different payment platform as PayPal may not be the perfect payment processor for you. 
This message was received after PayPal had seized all of my funds, and the company acknowledged in the same message that : We did not supply any information for this decision it just came up to a point where we made the hard decision to part ways with you. 
This admission demonstrates that PayPal made the decision to keep my funds without providing any evidence or legal justification. Suggesting that I simply move on to another platform while withholding over {$62000.00} USD is not only unethical but also shows total disregard for accountability and basic financial rights.

Financial and Emotional Harm : This situation has caused me : Severe financial loss of over {$62000.00}. 
Emotional distress due to years of uncertainty, vague communication, and absence of resolution. 
The collapse of my online business, professional instability, and loss of trust in digital payment platforms.

Company response to consumer: Closed with explanation