Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
On XX/XX/XXXX or XXXX maybe? I recieved a paypal payment of XXXXXXXX XXXX from a friend as repayment for a loan I'd given said friend around XXXX of last year. It couldn't have come at a better time bc I was going through a tough time bc my mother was in the hospital XXXX. I'd missed quite a bit of work while dealing with this so money was all but none exist at this point and I was stressed beyond belief, anyway my so called " friend '' sent me this loan repayment as " goods and services '' instead of " friend and family '' as she should have and before I am even able to make it into my account to see the transaction, she immediately reports it to paypal as an " unauthorized transaction '' my paypal account is " limited '' and the funds frozen right away they asked me to verify my ID and answer some questions about my transactions which I did and then I called paypal customer service.. I told the guy on the phone what was going on he was very nice and helpful told me no worries he was sending my stuff over to corporate or whoever to expiediate the process of verification ( witch I had already done long before this happened anyway he assures me every thing with be okay XXXX I should be able to access my funds by morning at the very latest I that him XXXX we hang up... I decide to not even look at my account again that night but to just be patient and pray about it XXXX check again when I wake up XXXX that's what I did... to my surprise I XXXX XXXX my account the next morning to see. " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for XXXX  days, after which well send you an email with instructions about transferring your money. 

They REFUSE to give me MY MONEY or tell me what I DID WRONG or anything other than they're keeping MY MONEY for XXXX  days because they want to and they CAN XXXX XXXX ain't a XXXX thing I can do about it! I've had that account over XXXX  years now and frequently use it to send and recieve money between friends and family and as a payment method online etc..never any fraudulent or illegal activity or whatever the person who OWED ME this money sent me what she owed to me but purposely did so as the wrong transaction type so she could report it and get a refund from pay pal..she 's commiting fraud yet I'm the one being punished for it! I need my money NOW not in XXXX DAYS don't worry I don't want you to reinstate my account cause after this I'll never use paypal again anyway..this can't be legal give me my money!

Company response to consumer: Closed with explanation