Permanent Limitation

[RoyRowlett]

I have been notified by PayPal that my account has been permanently limited. I’ve called them about it and they offer no explanation other than somewhere in the “back office“ the decision was made. I can no longer have any transactions in PayPal nor can I transfer my balance, which is several hundred dollars to my bank. When I called and asked about my funds, they tell me that they are holding my funds till November in case there’s any sort of dispute. I’ve repeatedly asked for an explanation and no one tells me anything except the back office decided it and you can’t talk to them. Has anyone else had this experience or can someone tell me shy they would do this? The only transaction that I can imagine that would be what PayPal calls a “risk” was a couple of orders that I made to Temu, the Amazon-like online store located in China. The PayPal person I spoke to said they were filing an appeal with the back office to try to get an explanation for me and they promised someone would call me in a few days but it’s been over a week and no calls have come in from PayPal.

[kernowlass]

@RoyRowlett 

Most common reasons for an account limitation are:-

1. You have a previously limited account (temporary or permanent) and you have tried to open a new account and not resolved the issues with the other account first.
2. Using a VPN.
3. Not living in the country where you opened your Paypal account.
4. Being under 18 / minor account.
5. Having 2 Paypal accounts or more of the same account type.
6. Not having your legal name on your Paypal account.
7. Selling items (often virtual or digital) that Paypal consider a high risk of disputes/chargebacks.
8. Using the friends/family option for sales transactions to try and evade Paypal fees and risk of disputes.
9. Too many disputes/claims.
10. Violating their acceptable use policy.
Normally you can't appeal a permanent limitation however if its none of the above reasons then you could try and contact customer services to appeal?

https://www.paypal.com/cshelp/article/how-do-i-contact-paypal-customer-service--help378

[RoyRowlett]

How can you get the reason for the limitation?

[kernowlass]

@RoyRowlett 

You can't, they don't tell you, guess that's because it wouldn't make any difference anyway if they have already made the decision of a permanent ban.