My 3rd one was denied due to a "funds on hold" reason, but it was only this one time funds were on hold and PayPal put it on hold due to the amount being "very high" they said. So I myself had no control over PayPal system for making that decision due to their customer support saying "it's for my protection" but in the end it hurts me more than protecting me (cant access those funds due to a hold and get rejected on another loan I paid off early due to them holding funds). Something has changed in their system and I feel like its hurting their customers more than helping.
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