Urgent Help Needed: PayPal Account Limitation and Fund Hold - Seeking Community Insights

[getcaroline]

Hello PayPal Community,

I'm reaching out in urgent need of assistance regarding a persistent issue with my Personal PayPal account. The account has been subjected to permanent limitations, resulting in the withholding of funds for 180 days.

Key Points:

No Chargebacks or Fraudulent Activity: Despite 125 days passing, there has not been a single chargeback, and my PayPal account has maintained a clean record since I started using it in October 2021 without any kind of chargeback, Disputes or fraudulent activity.

Previous Conversations with PayPal Support: I've engaged with PayPal support and highlighted the legitimacy of my transactions. There were no issues reported by my clients, and PayPal acknowledged the absence of fraudulent activities or chargebacks.

Financial Crisis: I am currently facing a financial crisis, and the release of these funds is crucial for both personal and business obligations.

I kindly seek your insights and any guidance on how to navigate this situation effectively. If anyone has experience with a similar issue or suggestions on expediting the fund release process, your input would be immensely appreciated.

Thank you in advance for your support and shared wisdom.

Best regards,

Caroline [removed]

[kernowlass]

@getcaroline 

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 as per link.
https://www.paypal.com/us/legalhub/acceptableuse-full?locale.x=en_US

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?

[getcaroline]

Thank you for providing valuable insights into common reasons for account limitations. I acknowledge your points, and I understand the potential concerns related to my transactions. Regarding the specific transactions mentioned, the buyer has actively engaged with PayPal, confirming and authorizing those transactions. It's been over 140 days without any chargebacks or issues. Even there has been no history of fraudulent, Chargeback, Unusual, Dispute activity since I started using PayPal in October 2021.

I've reached out to @AskPayPal on Twitter, but they've reiterated the standard 180-day hold policy without providing a review. In light of the circumstances and the critical need for funds in my business operations, I'm wondering if filing a complaint with BBB (Better Business Bureau) could be a potential avenue for assistance.

Your guidance is highly appreciated, and I'm open to any suggestions on how to proceed in this situation. Thank you once again for your time and expertise.