How I Convinced PayPal To Release My Funds

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

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
http://ag.ca.gov/contact/complaint_form.php?cmplt=CL

The Washington State Office of the Attorney General
https://fortress.wa.gov/atg/formhandler/ago/ComplaintForm.aspx

The Florida Office of the Attorney General
http://myfloridalegal.com/contact.nsf/contact

The Arizona Office of the Attorney General
http://myfloridalegal.com/contact.nsf/contact

Additionally:
The United States Federal Reserve
http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1
(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:
https://odr.bbb.org/odrweb/public/complaintlink.aspx

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: account-review@paypal.com; aup@paypal.com; complaint-response@paypal.com; resolutions@paypal.com; escalations@paypal.com; complaints@paypal.com; RDutta@paypal.com; sthompson@paypal.com; crme@paypal.com; press@paypal.com; exec.relations@ebay.com

UPDATE September 2017 – See the bottom of this post for an updated list of PayPal email address

Rdutta@paypal.com and Sthompson@paypal.com were as best as I could tell the guys in charge at PayPal, press@paypal.com and exec.relations@paypal.com 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 PayPalSucks.com. (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.

W00t!

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

Update November 2013: Thanks to A.Chip who has compiled 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 “appeals@paypal.com” 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.

 

Update September 2017: New list of email addresses provided by readers:

david.marcus@paypal.com, moldenburg@paypal.com, sthompson@paypal.com, mhentges@paypal.com, crme@paypal.com
mvergara@paypal.com, cwong@paypal.com, executiveoffice@paypal.com, harbor1@paypal.com,ppelce@paypal.com
Europeanservices@paypal.com, resolutions@paypal.com, appeals@paypal.com,compliance@paypal.com,aup@paypal.com
press@paypal.com, apires@paypal.com, global2@paypal.com, intl@paypal.com, ppe_courtesycredit@paypal.com, scott@paypal.com, complaint-response@paypal.com, abuse@paypal.com, Europeanservices@paypal.com, service@paypal.com, mbarrett@paypal.com, thoffman@paypal.com, jamiep@paypal.com, sphillips@paypal.com, moldenburg@paypal.com, mmelville@paypal.com, rpelegero@paypal.com cscheible@paypal.com, rmansell@paypal.com, cfrezzo@paypal.com, rxovox@paypal.com, dchiu@paypal.com, bleggett@paypal.com, nswanson@paypal.com
sgorman@paypal.com, sbraunstein@paypal.com, zxin@paypal.com, asteingruebl@paypal.com, jstephenson@paypal.com
nharvey@paypal.com, pierre.pellissier@paypal.com, japalmer@paypal.com, smcconnell@paypal.com
svolk@paypal.com, pierre.pallissier@paypal.com
jwebster@paypal.com, ihaque@paypal.com, jcavanaugh@paypal.com, philipp@paypal.com
pjustus@paypal.com,sguilfoyle@paypal.com, jennishow@thesync.com, jbainbridge@paypal.com, canderson@paypal.com
gcassels@paypal.com, esalvatierra@paypal.com, nmezo@paypal.com, snikolaev@paypal.com, rbhargava@paypal.com
sanjain@paypal.com, dtm@paypal.com,hhall@paypal.com, frzhou@paypal.com, christian.steiner@paypal.com,petera.thiel@paypal.com
bsims@paypal.com, strikha@paypal.com, mobile@paypal.com, dcouncill@paypal.com, tblackwood@paypal.com,
rpelegaro@paypal.com, mlapus@paypal.com, anayar@paypal.com, dspievack@paypal.co.uk, rclick@paypal.com, matthew@paypal.com, mwebb@paypal.com, mhiggins@paypal.com, pvogt@ebay.com, mark.osullivan@paypal.com,
gforman@ebay.com, cshihady@ebay.com, teampaypal@accesspr.com

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

  1. Hello,

    I’m here in the Philippines. And I think Paypal is taking advantage to us outside the US. Paypal usually reasons (via email when you make a withdrawal) that there are delays on 2-4 business days based on Holidays in my country. But every time I make my withdrawal I’m making sure and I’m certain that there will be no Holidays in our country during the transfer process of my funds. But instead of a delay, Paypal keeps returning my funds, and of course charge it with return fee (which is expensive. REALLY!!! Try your funds returned 3 times in a ROW!!!!).

    1. Hello,

      PayPal also limited my business account for 180 days, It’s been 2 months now, emailing, calling, but no result. Never had any chargeback, I removed all the PayPal buttons from my website, and I am using a new payment gateway, I just want to close the account and get my money (850Euro) I am from outside of the USA, from Slovakia, they reviewed my account in Luxembourg, that is PayPal’s European headquarter. Should I send the above draft email to the same email list, or can you advise me how to change the email if I want to address it to the European head office? Thank you

  2. *ANOTHER SUCCESS STORY*

    Hi guys!

    Thank you Rand for this post, it has been so helpful for me to request a removal of the limitations on my account..

    I’m an Australian ebayer working abroad from China, I had listed a few branded goods for sale that were popular and shortly after the rights owner without inspection or having any complaints, took some of my listings down as for them anything coming from China is deemed counterfeit products. Though they were legit goods that came straight from the manufacturer.. I suppose the local retailers can’t compete with parallel imports..

    Anyway, so I had a VERO dispute filed against me, ebay had sent every person who had ever purchased that item to file for a refund.. You can only imagine what happens soon after! A mass of cases, refund requests… Even got refund requests from people who had already received their item, many decided it was a good opportunity to abuse the system to claim their refund to get free stuff! It was even messier that ebay had deleted my sale history so I had no idea who purchased which items on what dates..

    So paypal decided my account was risky and they put a 11% hold for 90 days on each transaction on my account two months ago.. I thought I could live with it at the time until the reserved amount kept growing and I couldn’t take it anymore! I drafted the following letter (at the bottom of my post) to all those email addresses provided above..

    This followed with a phone call about 8 hrs later, the customer support had explained to me why they had placed a reserve on my account and that this can only be reviewed 180 after it was placed. I kept saying to them that 11% was excessive, I kept emphasising that I am an honest seller who has dealt with every refund fairly. They said they could lower the amount, but not reduce it to zero, and that the new reserve percentage would apply 180 day from today.

    They asked me what percentage I thought was fair – to which I replied zero. lol

    I explained to them the truth, that on some items I wasn’t earning much, or anything (depending on where the item is shipped to as the shipping costs vary). They mentioned that I offer free shipping, which is true, but I replied simply saying that shipping is still my expense, sometimes I would earn a little and sometimes nothing at all..

    So they completely removed the 11% reserve providing that I put in tracking numbers and be a trouble-free case-free seller for the next few months. 🙂

    Here’s my letter:

    Good day!

    I am respectfully requesting that the ##% hold on my funds/account be lifted. This amount is currently $ ### and keeps accumulating with each new sale.

    My account was limited after I had went through one VERO dispute filed against me by a rights owner claiming that I was abusing their trademark, and also suggesting that I was selling counterfeit goods despite not having gone through any inspection or received any complaints from customers. The items in question were: ############, ############, ############, ###########, ############. Ebay had closed those listings and automatically sent a warning email to all people who had purchased the item to immediately request a refund, that then followed with a great influx of refund requests. I had refunded all customers who had newly purchased the item. However, many customers at the time who had already received the item used this opportunity to abuse it in hopes that they would receive their purchased items for free.

    I am born Australian, and I am currently residing in China where I am running my ebay store while also being able to travel. This is my first time selling in China and I was unaware that selling branded goods are heavily scrutinised. I have learnt my lesson, edited my store inventory to prevent this from reoccurring.

    I feel that holding my funds for ## days is excessive, and perhaps a punitive abuse of power. The amount that is ##%, though it may seem small, greatly impacts on the running of my store. I am competitively priced, on most items the profit is so small that to wait ## days for ##% of my sales to come into my account is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. In this situation, the ##% holds me back and I have to keep relying on my savings to make up for my expenses to keep my store up and running while being able to offer fair prices.

    I understand PayPal’s need for holding funds for credit card chargeback purposes, however a review of my account will show that I have already registered a valid credit card that you can charge in case this happens. I have also been fair when complying with all refund cases. I had provided tracking numbers and proof of shipments for many opened cases. I also reviewed my inventory in case this scenario arises and as stated above I also only ship using fast and efficient courier services.

    I feel that any reasonable person would conclude that holding ##% of my balance for ## days is unfair. I have been a paypal user for nearly ## years with little to no problems (until the VERO dispute to which I have positively responded to by complying with all cases), and I have used it for numerous online transactions. I have treated every transaction fairly, I only hope that my situation can be reviewed and assessed. I am an honest seller and that what I have mentioned above is all true.

    Thank you for taking time to read through my request. If you need a contact number, I can be reach on #############. I can also be contacted by this email address.

  3. Hello,

    Can anyone help me? Paypal also froze 2 of my account and they wanted me to wait BECAUSE THE PERSON IN CHARGE IS OFF UNTIL FRIDAY. WHAT THE HELL IS THAT REASON? This is supposed to be business not a waiting game. I felt embarrassed to my suppliers because my checks bounced and Paypal is holding my money in 2 accounts…Could anyone refer me to a lawyer? Im Based in California. Thanks….

  4. Hi I need help I am 17 years old and they are holding £200 I need I need it because the £200 on this limited account I need to pay for an account t with a negative balance of £200 it’s complicated but how can I get them to release the £200? I
    Need the £200 to pay PayPal debt collectors it’s ironic

  5. hi rand, hoping you could reply to this. see, i sent the email just like the one that you and kristina sent. i am from the philppines as well and i sent the email to the email addresses stated above. however, i kept receiving failure notices from mailer-daemon saying that my email could not be sent to those addresses. what do i do?

    1. @08d6ebd26f725f8140ae311bf1ab0d18:disqus, check the return errors closely. Are ALL of the emails failing, or only some? If it’s only some (as I suspect) then I would not worry about it. If ALL are failing is possible that since this post is over 5 years old, these people’s email addresses have changed – in which case you may need to do some research to find the names or email addresses of people that are now in those roles.
      if you do find new email addresses please post them here and I will update the post above.

      1. 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.

  6. Alright, I am just now trying this, I added a bit more to the e-mail and added every PayPal e-mail I could find. Let’s see how this goes!

  7. I didn’t send a letter. I just called them, and after they told me I was a GOLD customer (what a lump of crap) I listened to their excuses that my account was locked because of a suspicious payment and they couldn’t do anything until the ‘Buyer’ had responded. They just assumed I was an EBAY seller who had no idea who paid me but it was actually my client who I’m in touch with everyday. After the spiel I sternly told them that they had not done a thing to contact the payer, he had not heard from them in any form and they had two choices 1. that if there was not an email in his inbox by 9am the payers time in the US that I would report them to the Banking Ombudsman and Department of Fair Trading here in Australia. 2. Don’t stuff me about and reverse the payment AND the fees they took and he’ll just do a wire transfer and I’ll receive all my payments that way and Paypal loses.

    Guess what, less than 100 seconds later my account was unlocked, and now it’s empty never to have a cent through it again.

  8. December 08, 2013

    PayPal Inc.

    2211 N First Street

    San Jose, CA, 95131

    Attention PayPal :

    The purpose of this letter is to request that the
    hold on my funds be lifted and have my account limit be removed. I have
    previously requested a review/appeal of my case which was denied. I believe
    that my account should be re-opened and I should be allowed to continue to use
    the PayPal service. I also feel that holding my funds for 180 days is quite
    excessive and perhaps an abuse of power

    As a result I
    will be submitting this complaint to the Better Business Bureau, Attorney
    General of Illinois, and the FTC listed below within 72 hours December 8, 2013
    (see complaint below). I am also going to write a negative review on epinions.com.
    If I am not satisfied with PayPal’s response to this request to release my
    funds and restore my account I will continue to fill out more complaints with
    the Federal Reserve, I will write my stories on your Twitter and Facebook page.
    I am also planning on writing a blog on my Facebook and on the website listed
    below.

    I am still not satisfied I will make it a goal to
    contact previous lawyers that handled the PayPal Litigation lawsuit to inform
    them about your consistent behavior from that suit. I was involved in that
    lawsuit and still have the check stub copy and their contact information. I
    will also contact the lawyers that handled the current class action lawsuit in
    Chicago. Finally I have my own corporate lawyers David Abels and Gary Annes. I
    am not taking this matter lightly. A courtesy is expected and PayPal has 48
    hours after I sent this email

    United States Federal Reserve

    http://www.federalreserveconsumerhelp.gov/about/consumer-complaint.cfm

    FTC

    https://www.ftccomplaintassistant.gov

    The Illinois Office of the Attorney General

    The Better Business Bureau

    https://odr.bbb.org/odrweb/public/complaintlink.aspx

    PayPal
    Facebook Page

    https://www.facebook.com/PayPalUSA

    I will also include a weekly blog on my experience
    and invite others to post their complaints, comments, and problems that they
    have had with your company. I will discuss my experience with the PayPal
    Litigation Settlement

    Twitter

    https://twitter.com/PayPal

    I am going to write here also

    http://success.grownupgeek.com/index.php/2008/04/20/paypal-funds-released/

    Epinions.com

    Wolf Popper
    LLP

    845
    Third Avenue

    New
    York, NY 10022

    (212) 759-46000

    http://www.wolfpopper.com/contactForm.cfm

    PayPal actions to hold my funds and permanently
    limit my account are a ruthless, unfair act, and shows they are a company that
    is a high risk to consumers. PayPal is earning interest by holding my funds and
    not allowing me to earn interest in my bank account with those funds. I lost a
    lot o f time and money dealing with PayPal. I had $5,000 in my account and had
    to refund several customers due to my account limitation, costing me thousands
    of dollars and customers.

    I have previously requested a review/appeal of my
    case which was denied. To remove the limitation the PayPal representative and I
    agreed to use the PayPal Shipping Label System. After uploading the tracking I
    would be able to withdraw my $2,000 dollars. I am not happy that PayPal blocked
    me from using the shipping label system 2 hours later. I went to usps.com to
    upload tracking. Even after uploading the tracking I could not withdraw my
    money. Therefore, I was scammed by PayPal from withdrawing my money even after
    I uploaded tracking.

    Second, because I can’t use the PayPal tracking it
    takes longer to upload tracking and shipping to them. First class mail is not
    sold online by USPS, only by PayPal. So I also had to pay more for USPS
    priority mail. I canceled several orders because a limited PayPal account and
    fulfilling my customer’s orders is not feasible. Every day I was asked for new
    information which I provided to PayPal. I spent 5-6 hours a day calling and
    sending faxes to PayPal. Those are hours I could have spent with my customers
    and not lose my money. I had to refund customers their money.

    To make matters worse I already had PayPal
    transactions that were completed and I was told to cancel them by PayPal.
    Refunding a buyer and then canceling an order is not easy. I had customers not
    wanting to cancel the order and wanted me to ship them the item. I could not do
    this because my account was limited or not accepting payments. I was not
    informed about this. Since I am a good seller and did not want negative
    feedback I refunded customers their money. I did not know if I would have
    access to my PayPal account money and I am spending money to send my
    merchandise to customers. I am a good and reliable customer. I have 100% feedback; PayPal has my social
    security number, credit card statement, address, bank account, and a copy of my
    paycheck stub, all of my invoices, tracking numbers, and also my receipts. I
    also have been a member for years.

    Today, December 02, 2013, I experienced another
    problem because of the pressure and lack of help from customer service. PayPal
    caused me to refund a buyer and I sent a product to them already. I am eating
    $400 dollars and the product has been sent to the buyer.

    PayPal asked me what my business model was and they
    did not allow me to respond. My business, Angulo has passed the Illinois
    Business Registration Application and was approved by the Illinois Department
    of Revenue. My account type is a Sales/Use Tax & E911 Surcharge. I also
    have a sellers permit. This is also
    known also state tax id number. I am an approved retailer. I get genuine
    products from Microsoft’s authorized distributor Micro Ingram and Asipartner. I
    also have an EIN number and am a D and B number

    ASI CORP. is a Microsoft Authorized Distributor.
    They are also an FFP distributor and an OEM distributor. There are only 7
    distributors and ASI partners is one of them. Therefore, I am allowed to resell
    Microsoft products. My sales person is Michael Breslaw. ASI partners sells other products and works
    with companies such as Lenovo. As a matter of fact since I have parted ways
    with PayPal I have been approved for other merchants. It is quite evident that
    this is not a high risk and I am authorized to sell.

    PayPal has become a utilitarian
    company in which it only cares about itself and rips the heart of its
    customers. PayPal does not care about honest people and legitimate companies
    such as Microsoft, Asi Partners, and Micro Ingram. If they did they would have
    taken the time to do more research.

    A company that is not
    a risk to its sellers would not prohibit licensed retail sellers to not sell
    authentic products. PayPal is a risk to companies in America and sellers such
    as me. I want to let Microsoft and its distributors know all of the problems
    that I encountered. I’m sorry PayPal that
    you have become a high risk company that does not allow our American economy to
    grow because you are a monopoly and a utilitarian company. This
    is significant because it shows PayPal has a history of failing to fulfill
    their duty and continues to do so.

    Sincerely

    Robert Angulo

  9. Rick I reported them to the ftc and bbb in california and nebreska
    I also got an email from escalations I plan on posting on their facebook and reporting them to the attorney general thanks for the help

  10. I am not sure if it was a modified version of your letter or my persistence, but after being “permanently banned” and $22,000 locked for “180 days” – I got a call from Paypal stating my “Permanent Ban” was reversed and I now have full access to my account and funds.

    So its possible guys, do not give up.
    (first action was to withdraw every penny! – lol)

      1. They just limited my account with 16,000 dollars in it I don’t know what to do I love my customers dearly and I barley have the money to ship there items out! I really hope and pray this letter works

  11. I had 16,000 locked and they released 8,000 because of your letter! I really appreciate it but is there anyway they can release the rest before 180 days??

    1. Everyone’s issue is different.. You made threats in the letter, and they partially responded.. You could write another letter and tell them you are going to carry through with the threats/complaints and/or hire an attorney i suppose.

  12. Hi there. Just to let you know after 2 weeks of emails back and forth ppelce@paypal.co.uk they have now released my funds. I initially sent them the email on this page and changed to suit UK. They still did not let me withdraw my money however i responded to them each time saying I registered complaints etc. Eventually I said unless they release my funds I would have no choice but to take this to small claims court. 4 days later my funds are available to withdraw. Thank you very much Rand Wilson – do not give up chasing them everybody, use the email above to send emails and keep responding to them!!

  13. update paypal

    Hello DBA,

    Your PayPal funds are now eligible for withdrawal.

    You may transfer the funds directly to your bank account via online bank transfer or you may request a check from PayPal. Please let us know how you would like to receive the funds by logging in to your account.
    As a reminder, access to your account will remain limited until you perform the steps required to lift the limitation.

    While access to your account is limited, you may:
    * place logos into your auction listings or on your website
    * update your account information
    * withdraw funds from your account

    You may not:
    * send or request money
    * receive payments
    * add funds to your account
    * close your account

    Thank you for using PayPal.

    Sincerely,
    The PayPal Team

  14. Hello,

    PayPal also limited my business account for 180 days, It’s been 2 months now, emailing, calling, but no result. Never had any chargeback, I removed all the PayPal buttons from my website, and I am using a new payment gateway, I just want to close the account and get my money (850Euro) I am from outside of the USA, from Slovakia, they reviewed my account in Luxembourg, that is PayPal’s European headquarter. Should I send the above draft email to the same email list, or can you advise me how to change the email if I want to address it to the European head office? Thank you.

  15. Just thought I would chime in and say that I got my money! Sent them an email on Friday and already have my money in my bank account!! I sent them the exact email from the post (lol), but I changed the date and the bit about keeping some of my money for chargebacks. I received 3 emails… The first said that the email address I sent the message from wasn’t registered on my account (oops!), the second email I got said that while my restriction will not be lifted, they will allow me to withdraw my funds! The third email came just this morning saying they won’t let me withdraw my money until my 180 days are up hahahaha. Did I read a comment on here about “the right hand not knowing what the left is doing” Oh how true since that message came when the money hit my bank account this morning! Idiots….

    1. Lauren i am doing the same thing did u send to every single person on the updated 2013 list? and how long did it take to have withdraw limit removed?

      thanks

  16. I had a very similar problem with paypal holding fund. I spoke with them by phone and was unable to resolve the problem. Being employed as an elected constable in the state of Louisiana I new what paypal was doing was not legal. I contact the Louisiana Attorney general office and filed a complaint. The complaint started an investigation by the AGs office. Paypal contact me by phone and resolved the issue immediate once they received a letter from the Attorney General Office. We’re paypal customers and at some point we’re going to have to unite. My account with paypal is over 6 years old but the business just started making money last year. After reading about the problems others are having with paypal I’ll be shopping for another payment gateway soon. Best of luck to everyone on resolving your issue with paypal.

      1. Yes my account is still active with paypal. I have not had any problem since contacting the AGs office as mention. If you’re still having problems I suggest you contact your Attorney Generals office.

  17. Is there a way to word this email to not only have the funds released, but have the account limitation lifted? I’ve had my account for 2 years now and have had only 1 dispute which was cancelled by the buyer shortly after they submitted the dispute. I recently did $30k in sales in Decemeber which was my biggest month with PayPal thus far. If this email is to only have the funds released, no problem, I was just curious. Thanks

    1. @disqus_qbziNsINPf:disqus , just change the wording!
      Even though I worded my letter to say I wasnt asking for them to re-open the account, when they realized they had no reason to steal my money or ban my account, they opened it back up anyway.

  18. After sending this email I received a phone call from them in under 6 hours. I wasn’t available when they called, but I did receive an email about an hour later. They are wanting me to provide my social security number. I do not feel comfortable doing this. I’ve had the account for two years this April and I’ve had one dispute. One dispute. I mentioned this in the email but when they emailed me the guy said this:
    “PayPal reserves the right to request additional information from its customers, should it be deemed necessary, in order to minimize any possible risk and reduce the likelihood of buyer complaints, chargebacks or other forms of reversal against your account.”
    This doesn’t make sense to me because of my track record with them. What’s my next step if there is one?

  19. Hello guys, just thought that I could share my experience with PayPal here. On January 2014, PayPal closed my husband’s PayPal account because he received money more than AUD 2,000. The money is part of his scholarship fund in Melbourne Uni. After a month of despair (PayPal held the money for 180 days, and the deadline of enrolling this semester is on February) we found the email address auexecutiveescalations@paypal.com. So on February 13, we sent them email, telling the whole stories (using kind sentences) and attaching the letter from Melbourne Uni to prove what we said was true. February 14, they replied the email saying that they are now reviewing my husband’s account. And this morning, February 15, we received an-email from PayPal, saying that “Our review is complete and we have restored your account.” Previously, we have tried to send many emails and even called customer relations, but you guys are right, emails were answered by machines and customer relations have no power. Now the money is back, and we immediately withdraw them.

  20. Randy is the best! I successfully got my money back from my limited account! It was 680 USD. Thank you so much.

    I used the email above with some modifications. The twist is that I am from the EU and I needed to change the agencies, but it worked!

    I can confirm what A.Chip said, it is clear that thy left hand has no clue what thy right hand is doing.
    I received a response from PayPal that my funds will not be released and must be held for 180 days, and just 4 hours later I got an email again but from another person at PayPal that they would release my funds.

    Again, thanks for all the valuable information!

    1. Hi @Guest, can you please leave me a replay of the agencies you mentioned in your email? I am from Europe too and I desperately need to contact them , they have limited my account too.

  21. Got my money back!!! Thanks so much! They had 10,000 USD funds held from my business. I sent an email like yours and got a response 24 hours later and money released

  22. Whether we’re talking $100,000 or $50, PayPal has NO RIGHT to abuse power the way they do. In my case, the $50 they held on to was money that I needed to GET HOME. Because of PayPal’s incompetence, I was left stranded-a single, disabled female, several hours from home. Money that was RIGHTFULLY MINE, was held when it shouldn’t have been. My account was in good standing, etc., PayPal just abuses their power.

  23. Hi, I have the same issue with paypal. I called them and read most of the template, but the rep was still saying we cant do anything you have to wait 180 days to withdraw your funds.
    My balance is 37 usd right now but I am waiting a refund of 350 gbp from ebay money back guarantee since the seller didn’t have money to refund.
    What will happen with this amount? Will this be refunded to my credit card ore suspended from paypal?
    I have used paypal as a buyer only. The limited my account because I had many reversed payments. All the items have been refunded from sellers or eBay decided on my favour after reviewing the cases. Haven’t lied any one and haven’t scammed.

    Why are they holding my moneys for 180 days since I don’t have anyone to refund?
    Please I would appreciate your help

  24. I sadly recently got my Paypal account banned due to ignorance though Paypal was a bit excessive. I current am living in Hong Kong but my Paypal was created several years ago in California when I lived there. I originally bought some stuff from Japan and resold it on eBay without any business license. I sold 4 items (and didnt even make a profit before my Paypal account was banned) I believe this was the main reason my account was banned.

    I currently have USD930 in my account and all the buyers gave me positive feedback for the items I sold recently. I had a history of ZERO chargebacks, ZERO negative feedback, and ZERO complaints from buyers in all my years owning a Paypal account.

    Can someone please give me advice on what I can do? Should I copy and past a similar letter with international agencies?

    my email is etambusiness@gmail.com if you can kindly give advice or how I should go about this.

    Thank you very much for your help.

  25. I have same problem. Ppal limited my account, so I wrote and edit some parts of the letter on May 27, 2014 and. I got replied from executive escalation the same day in the evening said they won’t release the funds until 180 days. So I guess I will report Ppal to the authority. Lets see what happen.

  26. Randy, thanks to your website I have resolved my problem with paypal! I had an entirely different problem and had sought other means to correct it for a mont. I stumbled upon your website, was motivated by you, and sent a similar letter which ended up being 4 pages, to all the email addresses plus other ones I found. It ended up being an email to the CEO of eBay that had paypal call me within 24 hours and resolve the situation, plus other small problems they had caused like unfair buyer chargebacks, all in a 10 minute conversation. They were very helpful, understanding, and polite, nothing at all like the horrible paypal customer assistance we usually have to succumb to.

    Thank you for your website and the help you have given me.

  27. May anybody upload new Pay Pal email adresses taht I could contact them with appeal to my limited account. I had used all from this list, and lot of them was declined as failured. I’m interested in UK email adresses. Cheers xxx

  28. I just sent this yesterday to Paypal. Tons of them bounced back and I got several ones telling me some BS about the hold being on my account because of X,Y,Z standard scam BS and that they could not release the money, blah blah blah. You have to IGNORE these. I now believe they are automated possibly. Then I got at least 4 emails saying the funds were released TODAY and indeed they were! I got my money out of there so quick!

    So in less than 24 hours of sending this email, they released funds they weren’t planning to give me until September (almost $1K). It works and it works fast! So no more despair just send the email and if you get no response, follow through with the reports.

  29. 1 weeks Days ago 30 2014, I had a friend of mine wanting to sent me a big transaction ($249.67) for my birthday gift. After that, Paypal look at my account and limit until i give them the the information they want.. Though so i don’t want to. I was so worry that my money is going to be there forever. So i take a quick look through google searching how to get your fund release. I come across this link —>http://www.paypalsucks.com/newforums/ebay-suspension-forum-suspended-ebay-now-what-can-you-do/156086-paypal-acct-limited-way-i-got-funds-released-2-days.html

    I try to do that option and it work! Paypal took a look at my email and reply back in 1 weeks. Here what i wrote. You have to edit something out, just don’t copy it and email to them. [SIZE=”5″]EMAIL : executiveoffice@paypal.com PLEASE DO NOT EMAIL THE OTHER EMAIL ADDRESS THE OTHER PERSON GIVE YOU, JUST EMAIL TO THEM. OTHER EMAIL MIGHT BE SCAMMER THAT TRYING TO TAKE YOUR INFO AND CASE.

    Case: PP And PP

    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 decided to move to your largest competitor and am no longer in need of PayPal’s services.

    I have previously email paypal that my account is not at risk and those transactions has made by me. Although I still disagree with the decision to deny my email I will abide by it – however because I feel that limiting my account 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, July 3 2014, if I am not satisfied with PayPal’s response to this request to lift limitation and to my account:

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

    The California Office of the Attorney General

    Consumer Complaint Against A Business/Company | State of California – Department of Justice – Kamala D. Harris Attorney General

    The Washington State Office of the Attorney General

    https://fortress.wa.gov/atg/formhand…laintForm.aspx

    The Florida Office of the Attorney General

    Florida Attorney General – Citizen Services Contact Form

    The Arizona Office of the Attorney General

    Florida Attorney General – Citizen Services Contact Form

    Additionally:

    The United States Federal Reserve

    What do I need to know before I file a complaint? | Federal Reserve Consumer Help

    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:

    https://odr.bbb.org/odrweb/public/complaintlink.aspx

    All complaints will be filed “online” Thursday morning July 3, 2014 and written copies will also be sent via certified postal mail.

    I understand PayPal’s need to hold those account for security purpose; however a review of my account history for the last month will reveal that I didn’t break your rules or terms of services. I feel that any reasonable person would conclude that limiting my account is excessive and maybe 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. I just need you to let me withdraw my funds to a bank Account and then close my account, I feel that this is a fair resolution while still leaving PayPal with the means to limit my account again in any future.

    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 Thursday Jul. 3. 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 And PP

    PLEASE FEEL FREE TO RESPOND ON THIS EMAIL ADDRESS AND I NEED A RESPONSE AS SOON AS POSSIBLE.

    Here what i got back :

    Dear Mr. Carter,

    Thank you for your recent correspondence to PayPal dated June 30, 2014. Your concerns were forwarded to PayPal’s Executive Escalations office for review and response.

    Nature of Complaint:

    You complain that PayPal has limited your account and requested documentation that you feel that you should not be required to provide. Additionally, you complain that PayPal is holding your account balance of $249.67 and will not make it available to you for 180 days.

    At the outset, please note that although our actions were consistent with our user agreement, to show our good faith, we released the funds in your account and made them immediately available to you for withdrawal to a bank account or by requesting a check.

    Factual Background:

    On December 16, 2012, you created a PayPal account, currently registered to devincole41@yahoo.com (“Account”), at which time you agreed to PayPal’s online user agreement (“User Agreement”).

    In order to prevent fraud and ensure the safety of the PayPal system, PayPal routinely reviews accounts to verify compliance with the PayPal legal agreements and policies, e.g. the User Agreement, Acceptable Use Policy, and Privacy Policy.

    On June 20, 2014, PayPal detected possible issues with your Account.

    As a result, we limited your Account as permitted under the User Agreement so a PayPal agent could review the Account further. User Agreement at section 9.1 and section 10.3. A review of the Account revealed the need to further verify the business or identity of the account holder. On June 20, 2014, PayPal requested you upload or add the following information to your PayPal Account for review:

    · SSN

    · A copy of Driver’s License or Passport

    · Proof of address

    As of July 7, 2014, we have yet to receive the following:

    · SSN

    · A copy of Driver’s License or Passport

    · Proof of address

    Findings:

    We have nonetheless released the funds in your account and made them immediately available to you for withdrawal to a bank account or by requesting a check.

    As always, please feel free to contact PayPal’s Executive Escalations Department at executiveoffice@paypal.com if we can be of further assistance.

    Very sincerely yours,

    Executive Escalations

    PayPal, Inc.

    I reply back to them that i want the money sent to the email i want too.. I didn’t got reply yet. Ill notify when i get them.

    :):):):):):):):):):):):):):):):)

  30. Thanks for mentioning your way of releasing money

    PayPal also froze my balance for 180 days, I’ve sent them some sentences from your email and they replied that they decreased the hold period to 45 days, now I’m asking them again to release my money before that 45 days as most of my transactions have passed the 45 days period already and I’m waiting their reply at this moment.

  31. Why hasn’t some enterprising lawyer started a class-action lawsuit against Paypal for all the interest they are robbing people of?

  32. Yesterday my paypal account was limited permanently and i had $8000 in my account. I felt completely helpless, depressed didn’t know what to do who to go for help i called paypal and they said the ban is permanent and my account can not be restored and i will be able to withdraw fund after 180 days (six months). Then i stumble on this website and sent the letter to the emails listed on the 2013 list a lots of them got bounced back got two or three auto response stating the same things that account can’t be restored then i reply to those emails from the email that one of the user has posted on the comment section which also followed with few calls to paypal saying that account can not be restored. Than after few hours today i got an email from paypal that my account has been restored. Lesson learned never leave too much money on paypal. In situation like these take aggressive measures even if you think your account can’t be restored. I also filed a complain with Better business Bearu yesterday.

  33. I just want to know HOW they get away with continuing this practice even years later! And it’s not exactly like we sellers on eBay have much of a choice! EBay now requires you to use PayPal! The only alternatives “they allow on eBay” are more expensive than PayPal! Anything that would be to our benefit, like Google Pay, is absolutely NOT ALLOWED on eBay! They are so evil!

    I pulled all 55 of my auctions last night because I found out that all of a sudden, for no reason other than I had taken the summer off from selling on eBay, they are having PayPal hold any funds from my little fridge magnet business I have there until I have sold again for three months straight!

    1. They are a joke, I have funds being held despite being with them for nearly 10 years. They know exactly what they are doing. They ask for information to resolve a limitation but when you fill everything in they move the goalposts and ask for even more information. It’s all probably to earn interest on your money really. They just want a reason to hang on to your money, they must love it when people choose to wait the 180 days. I totally hate them now!

  34. I cannot read anywhere the reasons why the accounts have been limited or restricted. I am somehow in the same boat with some of you as I have a limited account at this moment and I have very few days left to resolve the problem – uploading photo ID and proof of address. I have only $150 in this account, but this is not the reason I am concearned. My problem is I run an Etsy business ( which is my main venue source) and for my country PayPal is the only payment method accepted by Etsy. So my Etsy business would be OVER if I stop using PayPal. PayPal says they request this info to comply with European Union anti -money loundry Regulations, but I just can´t bite this. I feel this is a violation of my rights. How can they fight money loundry if they have my photo – even if I would be that kind of person… excuse me , but I think this is b******t. I don´t feel confortable at all my personal info being all over the place. Does anyone here had this issue before and know how to solve it? I really, really need a PayPal account, but I am not confortable with the idea of them having copies of my ID and other info. Thank you in advance!

    1. I sympathise with you. I 100% agree that requesting personal information is a violation of our rights. I was in shock reading that due to EU regulations/anti money laundering BS. I am also not comfortable providing this information. I will be speaking with them and won’t be providing anything, I am owed money though. Good luck I hope you get your situation resolved.

      1. They are starting the process of controlling us all, and we should not keep our hands crossed and do nothing. Unfortunately, I sent them what they wanted cause I was in a stressful situation. On the other hand, they ( big powers) are on the way of implementing human cip, and if we are not doing anything soon enough this is going to be the reality to deal with in no time. I think we should gather in a group on Facebook and /or Twitter and really DO something about this, I don´t know exactly what, but we should figure something out. Anyone interested can find me on facebook as Kristine Bridal or Twitter here : https://twitter.com/KrisAccessories.

  35. I am shocked by PayPal. I have a personal account just set up to sell of items no longer needed, my last payment of 325.00 has been held and a request from PayPal for my personal information. I do want to provide any of my documents as I believe this is my personal information. I don’t need the PayPal account now but I want my money! I have received 100% positive feedback from all of my transactions there is no problem! I will speak to them but I will not be providing my private information and happy for them to close my account because quite frankly, I do not wish to be a customer of such a scam company.

  36. ANYONE KNOW ANY UPDATED EMAIL ADDRESSES? KEEPS SAYING THEY ARE DISACTIVATED OR WHATEVER? ITS ALMOST 2015 ANYONE KNOW HOW I CAN GET THIS FIXED?

  37. e-bay has gotten too big for its own good…

    they r ripping the buyers off…

    A seller agreed to a return, then ebay said they don’t have to go through with it… the item was sent back…. now i’m out the vest and $160 bucks….

    E-BAY I WANT MY MONEY BACK!!!!!!!!!!!!!!

  38. My account has also been limited, but with somewhat different circumstances. I don’t want to make this too long, but I want to give details as I hope to gain some knowledgeable advice.
    My account is more than 10 years old and has always been in good standing, but it’s not a business account that large sums of money have been exchanged through. Its just a personal account that I let my kids buy from eBay and other online stores from. At the moment it has like 300 bucks in it.
    When I opened the account over 10 years ago, I didn’t have a bank acct to link to it, so with her permission, I used my mother’s bank acct and opened the PayPal acct in her name, not knowing that was against any kind of rules and not knowing that I didn’t even have to put her name on the PP acct in the first place.
    As the years passed and my eBay and PayPal accts became more established and trustworthy (vs a new acct), I eventually got my own bank acct, so I disassociated my mother’s bank info with the PP acct and added my own, leaving only her name tied to the acct. My email address was used to open the PP acct and is associated with it, as are my telephone number, mailing and shipping addresses, my eBay acct that is registered to me, as well as my own bank acct info as of several years now.Every transaction that has went through this PayPal acct since day one have been mine. Every deposit into that acct, save for adding money from a Green Dot moneypak a few times, have came from items sold on eBay through the eBay acct registered to me and linked to this PP acct.
    My problem started when I noticed a hold on funds in my acct. The hold was in the amount of just under $40.As I was using the PP app on my phone, which has very limited details, and didn’t have immediate access to the actual website, I chose to call PayPal about the hold.
    When I got someone on the phone, they stated that they couldn’t give me information on the account, but had to speak with the account holder.I tried to explain that I was, in fact, the account holder.The lady insisted she speak with the person whose name is on the account(my mother).
    When I was able to get on the actual website a few hours later, I found my account limited, not able to send funds, make purchases, withdrawals etc.
    As it turns out, the hold was for an eBay item a customer wasn’t satisfied with, which, when all was said and done, the buyer didn’t return the item and the hold on the $40 was lifted, but now it’s ALL on hold.Big help there, PayPal.
    I didn’t want this to be so long, but needed it clear and concise as to hopefully get some advice.
    I’ve read over the above letter, but as my situation is somewhat different, I don’t know if I should send one in the form of the example above, or word it totally different, explaining as I have here. I’ve got a draft going, describing my unique situation and asking for the release of my funds, but I’ve not yet sent anything.
    Very sorry for the length of this and any responses are very welcome and appreciated.

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