Money transfer, virtual currency, or money service -- Trouble accessing funds in your mobile or digital wallet -- Complaint #18875175
Complaint Overview
Complaint ID: 18875175
Company: Paypal Holdings, INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet
State: Virginia
ZIP Code: 23323
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against PayPal for the unfair and indefinite holding of my personal funds. My account was recently permanently limited, and I have been informed that my balance will be held for 180 days. This 180-day hold is causing me extreme and immediate financial distress. I am currently dealing with a physical injury ( leg ) that has prevented me from working, and I rely on these funds for my essential living expenses and medical recovery. PayPal is holding my money XXXX without providing a specific, valid reason or a way for me to resolve the issue immediately. I have provided all necessary identification and documentation, yet I am being denied access to my own capital. Holding these funds for XXXX months is an unconscionable business practice that is directly impacting my health and ability to support myself. Desired Resolution : I request the immediate release of my full account balance or, at minimum, an expedited review to release the funds within the next XXXX hours due to documented medical and financial hardship.
Frequently Asked Questions
What is Complaint #18875175 about?
Complaint #18875175 was filed against Paypal Holdings, INC regarding Money transfer, virtual currency, or money service specifically about Trouble accessing funds in your mobile or digital wallet. It was received by the CFPB on 2026-01-20T12:00:00-05:00.
How did Paypal Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Paypal Holdings, INC?
Yes, visit the Paypal Holdings, INC company profile at readthecomplaint.com/company/paypal-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.