How I Convinced PayPal To Release My Funds

This is a follow up to my post “Banned by PayPal

Update November 2013: Scroll to the bottom for an updated list of valid Paypal email addresses and more tips!

When I was informed that my PayPal account was “permanently limited” (aka: banned) and that PayPal would be holding my balance of $5,149 for six-months, I thought there was not much I could do. I appealed the decision to limit (ban) my account and PayPal denied it. Since I did not need the balance of $5,149 that PayPal was going to hold for 6 months I figured I would just wait it out (note that I say did not NEED it.. I want it, but I did not NEED it).

But after seeing some of the comments that readers posted on my original “my PayPal account was limited” post I started to feel a bit victimized and angry, and a bit like PayPal was pushing me around and doing whatever they wanted with my balance. I decided that instead of feeling like I was going to just lay down and let PayPal rape me that I would fight back one last time.

So based on a comment posted by Lucas explaining how he got his funds released after PayPal limited his account, I sat down and wrote this little email:

RE: Case PP-xxx-yyy-zzz

I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPal’s services.

I have previously requested a review/appeal of my case which was denied.  Although I still disagree with the decision to deny my appeal I will abide by it – however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal’s Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Wednesday morning, April 23, 2008 if I am not satisfied with PayPal’s response to this request to release my funds:

(agencies in the states that I reside or have a business presence in)

The California Office of the Attorney General

The Washington State Office of the Attorney General

The Florida Office of the Attorney General

The Arizona Office of the Attorney General

The United States Federal Reserve
(I understand that PayPal does not operate as a “bank” which is precisely why they may be interested in such complaints)

The Better Business Bureau:

All complaints will be filed “online” Wednesday morning April 23, 2008 and written copies will also be sent via certified postal mail.

I understand PayPal’s need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of $500 for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.

Please be aware that replying with the standard “this is part of the terms of service that you agreed to” will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Wednesday April 23. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties.

Thank you for your time again in looking into this matter.

Case PP-xxx-yyy-zzz

I addressed the email to the following addresses:;;;;;;;;;; and were as best as I could tell the guys in charge at PayPal, and appear to be their press people, and the others are all of the “escalation” email address that I could find – most of which I got from (see updated list of email address at the bottom of this post)

I did my best to word the email as politely as I could and basically told them that they had 48 hours to respond or I would start complaining to whoever would listen. I spell-checked it and hit the SEND button at 1:48PM California time on Sunday afternoon.

Approx 5 hours later, at just a little after 7PM California time on Sunday night my phone rang. CallerID said it was from the 402 area code and listed it simply as “Nebraska”.. Hmm.. Who could be calling me from Nebraska this late on a Sunday evening? Could it be Shoemoney calling or might it be someone from PayPal headquarters working late??

Sure enough, when I picked up the phone a very nice lady at the other end explained that she was calling from PayPal regarding the email I had sent earlier in the day. She had reviewed my account, agreed that my chargebacks had been virtually zero over the previous year, and that although PayPal would not be re-opening (or un-banning) my account, they would be transferring $5,000 of my $5,149 balance into my bank account. They would hold the remaining $149 for the balance of the 180 days at which time it would automatically be transferred into my bank account. Heck, that’s better than I had asked for in my email!

So – although having my PayPal account banned has been a huge inconvenience, being forced to switch to Google Checkout is still working to my advantage (making me more money), and now that PayPal will be releasing all but $149 of my funds, I can say that I’m pretty happy.

Now, if you’ve been banned by Paypal, before you go copying and pasting my email to try and get your funds released remember that I have had my PayPal account for a few years with virtually zero complaints and very few disputes or chargebacks. If you have been involved in fraudulent activity, been ripping people off, selling body parts, etc, you probably wont make out as well as I have (nor should you). However if your account has been in good standing and you have a low rate of disputes you may be able to get your funds released before the 180 day period that PayPal imposes by letting them know that you just wont stand for it and that you will complain to anyone that will listen.


My Funds Trasfer
Paypal has returned my money to my bank account!

Update November 2013: Thanks to A.Chip who has compiled an updated list of email addresses to send your letter to, as well as some tips that he used to get his money back when he emailed his letter:

  • Before I sent the email to Paypal, I made an email list inside my email account named “PayPal Emails” and put all the Paypal email addresses on that list. When it was time to send the email, I put the “” email address on the “To:” line, and put the list in the “Bcc:” line so no one else in the company could see who else I sent the email to. Everyone who got the email could only see that I sent it to the Appeals department. Other Paypal victims should practice this technique with their own personal emails first to make sure it works before sending their email to Paypal. People in the “Bcc:” line should not be able to see any other email addresses except the one in the “To:” line.
  • After I sent the letter to Paypal, I received an email from the Appeals department stating they investigated my case, but still ruled against me. The following day I received the email from the executive at Paypal saying he would refund the money. At Paypal, it is clear that thy left hand has no clue what thy right hand is doing. So if a victim gets a rejection email after sending their letter, keep waiting. Someone else from the executive office will most likely respond later on with a real solution

Updated list of email address for PayPal. Valid as of November 2013 – commas included, just copy and paste right into your email program!,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

How I Convinced PayPal To Release My Funds by

375 thoughts on “How I Convinced PayPal To Release My Funds

  1. Good evening Rick. I can surely understand what you are depress of. I been there did that. Spent countless hours to gain the trust of customers and in the end had to start over again from the point “0”. If you are married then just simply change the credentials of your ebay account on your wife name and its alright if paypal account will be even one day old. Cheers.

  2. really really happy with this post – i tried it yesterday sent it to about 20 e-mails got three back two automated and one with a contact number rang them up.. baring in my we have 80% rolling reserve on 100% of payments we receive and a minimum reserve of £2,000 on the account permanently – i rang the number supplied info like last 4 numbers on any card attached to account e-mail address and my name.. literally within 20 seconds i told the lady once the minimum reserve has built up i was told the 2k would be released i kid you not within 20 seconds she said yep ok no problem sir and moved it into available! considering they placed the minimum reserve on 4th november 2014.. now its the 11th feb 15 and pretty much every other day ive been on the phone they told me there wasn’t nothing i could do about it and it would be released when the account is closed!! considering we already have a 80% rolling reserve for 60 days on 100% of everything our account receives. i was amazed at how quickly she released the money.. i sent a revised letter and mentioned i would report the situation and said i am aware it is not legal in some areas and i did not state and companies that i would report it to.. because i didn’t know any as i am in the UK and do not know the relevant people only solicitors – who in this situation are pretty useless as i have accepted the terms etc… and it worked. the e-mail has to be sent off the account you are talking about with the case reference number.. i currently have 7 open charge back cases open and the woman did not even mention them – the reason so high is because we do 10’s of over the phone card payments a day. as we are dealing with the public not b2b inevitably some open charge backs once they receive what they want… unfortunately this is just how it is and we win the majority. but this wasn’t even taken into consideration the money was just moved from reserve to available. unfortunately we still have thousands in rolling reserve and we only get 20% available from every payment but at the moment thats just how it is.

    thanks so much for the template of the e-mail it did the trick!

  3. Good to see that some of you manage to get the money back from Paypal. I was not aware of this possibility when it happened to me, and similarly as the author, I did not NEED the money at that moments, so I just decided to wait. Now the time has passed, I have the money and the account is closed. I am using alternative payment service and I do not remember why I went for Paypal in the first place. I feel sorry for those, who have Paypal as their only option and have to continue dealing with them. My suggestion would be just to look for an alternative options.

  4. My account with Paypal recently put on hold and was advise the my funds will be on hold for 180 days. This really got in to my head and I’ve been reading a lot on what steps I should do for them to release my money. I even sent the a similar email like this I even told them I will have it published to news if they won’t release my money. I am really frustrated now and my head is aching thinking of what are the other option I can do to make paypal release my money. Why they were doing that? It’s not there money and yet they were already deducting you with some fees…

  5. So my daughter had access to my account and paid money to a scam artist online for shoes, I called paypal and told them the scenario, they disputed and got my money back, but then they limited my account because “a minor took control” and won’t let me take out the funds for 180 days, and also said I have to give proof of my identity, which I was hesitant to do, but still did, I gave a picture of my passport picture, bank statement, and drivers license eventually because they weren’t approving it. They still haven’t taken off the limitations after all the info provided. I sent this e-mail above, I got some emails bounced back, but not too many replies either. It’s been a day, Am I suppose to wait ?

  6. I got a notification that Paypal had permanently limited my account. It had over 12k in it. I was devastated but I sent several emails and called several in the AUP dept. This morning I noticed it still said I was permanently limited but there was new text asking a TOS affidavit. I typed I agree and the account was restored! Man I was stressing balls but it works, just keep trying and don’t freak out. I am also in Canada so it is possible to get international accounts restored. Just keep bugging them. If you look, there is also some numbers in the AUP dept you can call. I was told, not even the limitations department can contact them. I called limitations and she said she would add a note for them to call me and that she couldn’t even. She was very nice and it may have helped my situation

  7. I need the most updated list of email addresses to whom i should send this email to so i can get my (legal) funds un-restricted from paypal. Please email it to me ASAP, most of the email addresses I just sent came back “not delivered”!

  8. Regarding witholding funds (paypal). Have you watched “the wolf of wall street”, well this is how paypal senior shareholders and top executives view the masses that use the service. Dont be under any illusion that the system is automated, decision makers review each complaint and and accounts logistics teams get bonuses for withholding funds. To them you are nothing more than a cash cow to be milked. When you want to hit them for withholding funds hit them where it really hurts – reputation, threaten public exposure and invitation for legal intervention based on public exposure, state the detailed damage to your mental state, family funds and ultimately your trust in financial institutions as a result of paypal funds pending, withheld etc. Hit them hard as possible, its the only language they really understand, they are intoxicated under the the influence of lots of other people money and the sense of power they derive from this. This type of behavior demands strong smelling salts in the form of public exposure which loses them millions daily ans loss of confidence in the product ie banking system and they know others are waiting in the wings to start up alternative ventures to rival them based on dissatisfaction. Whatever happens dont let them get to you if its not a matter of losing your home or eating, keep the chin up as when you kick them hard enough you will find there is puny little organ grinder behind the curtain.

    1. Not that I don’t agree with you, but, do you have any information or evidence that supports the claim that the PayPal crooks “ each complaint and and accounts logistics teams get bonuses for withholding funds“?
      It does seem that this is happening, but I would love to see some actual evidence that this is how they work.

  9. so, Last time my employer send me payment on the same day I withdraw it through card,paypal said that I cannot withdraw because of intermittent communication problem. I tried to withdraw again for 3 times, then I also tried to withdraw through bank transfer. Then I checked my bank account, paypal transferred money on my account 3 times. but then I didn’t withdraw those money because it is not mine. i went to the bank and told them what happened. then I think paypal freeze all those money, its not a problem anymore. the problem is.. All my personal money was held by paypal. what can i do get my money. I cannot withdraw not a single bill.

    please send me help

  10. Success!!

    Randy, thanks for posting the updated PayPal email addresses. I had been banned from PayPal for a number of years because I had joined two programs that PayPal said were MLM. Fortunately, I didn’t have any money in the account at the time I got banned because my practice was to always withdraw my funds to my bank every few days.

    I emailed the email addresses that you posted and I got a response from several PayPal employees. Finally, I got two calls from members of the Executive Escalations office ( Much to my surprise, I was told that my account had been reviewed and that my account was being fully restored, dependent upon my signing an updated terms of usage agreement. I signed the agreement right away and now my account is fully restored. All of the staff at PayPal were very polite and were able to find details on my account as I was missing some key information since it had been so long. I was told that PayPal has relaxed some of its restrictions relating to its MLM policy. So, folks, don’t give up, PayPal sometimes reverses its decision. Good luck to all of you.

    1. Hi-I just had my p/pal acct. permanently limited due to receiving a pmt. from a client of mine that had sold some 100% authentic Coach sandals on ebay. I’ve had my same p/pal acct. for 11 years with NO problems & also buy & sell on ebay for the same amt. of time. PLEASE confirm the list of p/pal emails that i may send emails to since i was turned down twice in an appeal. Thanks so much!

  11. Paypal are scamers or just reall dumb.
    I had charge back from creditcards from a customer it was still paypal issue. it was a mistake but it was 5 chargebacks so he canceled them 4 i got and 1 vanished in thin air. i call them over 1 month now about 20 times and they told me every time that the money was at the creditcard company or something else very time. just received my money what was over $1000 the biggest chargeback.

    i think there is a team of scammers try to skim money from people and wait it out look if they give up and if you do they have your money. believe me money does not dissapear like that.

  12. Usually I don’t learn post on blogs, but I wish to say that this
    write-up very pressured me to take a look at and do so!
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  13. I have had my paypal account limited on the 18/Nov/2018

    My balance is £2702.04

    I am begging some one / any one whom can assist me.

  14. Could someone please provided the most currently updated list of email address? Paypal has limited my account and is holding my funds for 180 days and cannot afford.

  15. It would be greatly appreciated if someone could share with me, updated news on how to get my ($1800) out of Paypal. I was with ebay and paypal for over 12 years and the moment I make a larger sale than usual they say I’m not who I am and froze my account for NO REASON!!

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