Consumer complaint received 2026-01-23 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: NE

Complaint narrative:
XX/XX/XXXX : I created a new XXXX  account under a new email. Prior to this I had used XXXX  with no issues for years under one account, only to be indefinitely locked out in XXXX due to unknown reasons. After weeks of waiting for a resolution, I attempted to open a new saint with all the same identification info as the first account, only with a different email. XXXX  approved this. allowing me to add a card for transfers as well as verifying my ID. 
XX/XX/XXXX : Processed my first transaction with XXXX XXXX, a friend. XXXX  initially withheld these funds but soon released them, again with no explanation. 
XX/XX/XXXX : XXXX  sent me an email requesting another round of ID verification. 
XX/XX/XXXX : XXXX XXXX tried to pay me for an item I sold her & only received multiple warnings from XXXX  about me being a scam account. They therefore automatically cancelled her payment to me. Communication with her was the only way I found out about being unjustly flagged as a scam account. I then emailed XXXX  demanding answers, including screenshots XXXX XXXX took on her end of things, as well as screenshots on mine. I never received any response. 
XX/XX/XXXX : 1 ) XXXX XXXX attempted to send a new payment to me like the day before m, and 2 ) XXXX  did not process her payment or reject it in my balance. They just continued to send more emails asking me to verify my email address, phone number. 
XX/XX/XXXX : XXXX XXXX sent me {$20.00}, which was accepted but XXXX  would simply not allow me transfer it out. I received multiple error notifications. 
XX/XX/XXXX : XXXX XXXX attempted once more to send me payment for the item age bought from me 2 weeks prior. XXXX  accepted it, yet again would not allow me to transfer those funds. Leaving my withheld balance at {$620.00}. 
XX/XX/XXXX : XXXX  sends me an email saying my account was suspended due to unusual activity. No other explanation given. 
XX/XX/XXXX : XXXX  sends me yet another email asking me to confirm my identity. I oblige as soon as possible. 
XX/XX/XXXX : XXXX  sends me an email saying my account has been unfrozen and can operate as normal. Not true. I try to finally transfer all my funds theyve been holding from me for weeksonly to have the same exact issues. They refuse to allow me to add any cards or bank accounts to transfer my own money. Error notifications left & right, no matter what I attempt. There is no difference between whats happening now & what they were doing to me when my account was still frozen. I took screenshots of all these issues as Im incredibly frustrated & confused and left without explanation or any scrap of assistance and sent them all to their customer support line. 
2 ) XXXX  cs responds to me, only acknowledging they did indeed unfreeze my account, but can not do anything to release my funds as apparently NONE of my outside accounts or cards were acceptable for them, and without any reason as to why. They also wont even allow me to apply for XXXX  debit card so I can use my money that way, nor will they allow me to simply send money to someone else in XXXX  from those same funds. 
3 ) I respond, thanking them for responding and also demanding an audience with a specialist, front manager, etc to help me or give me legitimate reasons as to what or why theyre doing this to me. They have repeatedly denied me my own rights to {$620.00}, not to mention causing more stress headaches than I can count. I was even late on rent and had to scrap to pay it late by almost an entire week. I could have been kicked out at that point for non-payment. 
as of today, XX/XX/XXXX, I have not received one word of communication from them in response to my reasonable & urgent demands for assistance sent on XX/XX/XXXX. 
This is beyond ridiculous and unacceptable. Basically a ( technically ) legal way to scam & steal money from their account holders and risk nothing by ignoring us and causing us financial distress. I need assistance on this matter right away, as it affects my livelihood greatly. It is more than likely very easy fix and the faster this happens, the faster I disappear from their platform and out of their hair. If not, I will have to insist on seeking legal counsel. Thank you for your time

Company response to consumer: Closed with explanation