PayPal faces lawsuit for freezing customer accounts and funds

https://www.engadget.com/paypal-lawsuit-freezing-customer-accounts-funds-073128563.html

by I_am_tiberius • 5 years ago

814 311 5 years ago

gk12562• 5 years ago

PayPal has the fraud problem. Every next payment platform who aims to become the next PayPal also suffer from it.

Sure, but it's not up to paypal to decide what's legal and what's not legal. Definitely not their responsibility to seize money from locked accounts. That’s plain theft.

pizza2342• 5 years ago

That a problem of any banking institution.

Differently from Paypal though, the last time that there was a suspected fraudulent transaction in my bank account, I had a physical and factual meeting at a bank branch, rather than having my account frozen and given a stock answer.

chris_wot2• 5 years ago

And this is the problem for PayPal. They seem to freeze accounts for arbitrary reasons, and way more frequently than banks.

If you are a business, the ability to transfer money without getting all your funds locked up is important. I genuinely believe they are doing it for reasons other than fraud and money laundering.

gk12562• 5 years ago

PayPal has lot of third party data than most banks, but they stuck at decision making process.

"Shoot First and Ask Questions Later"

libertine• 5 years ago

IF they choose the path of not having humans interact with their customers, and give bot replies, then yes, such platforms will suffer from it.

If they want to invest in proper human customer service, at the cost of decreasing their margins, then maybe part of that problem will be solved.

antihero• 5 years ago

Thing that amazes me is that people leave huge amounts of money in their PayPal instead of withdrawing it regularly. Why not just withdraw it, and then PayPal has nothing to seize!

genocidicbunny• 5 years ago

Sometimes PayPal institutes transfer limits on accounts, so its entirely possible that they don't let you transfer out the money fast enough.

sharemywin• 5 years ago

If you move 50k a week it could still be a problem.

Cthulhu_3• 5 years ago

If you move 50K a week you can engage a payment platform to accept other means of payment in addition to Paypal, then reorganize how people pay so that paypal is de-emphasized in favor of more secure, lower cost, etc means of paying you.

Hell, for that kind of money you can hire an accountant or a full dev team to do it for you.

boring_twenties5• 5 years ago

In the past at least, PayPal has also been known for simply taking funds from your linked banked account.

So maybe it's better to not link a bank account at all, which means leaving funds in your PayPal account until you can spend them (since you have no way of withdrawing).

ceejayoz6• 5 years ago

Or link a bank account in the middle, between your primary one and PayPal, that exists solely to receive and pass along your funds.

sebzim4500• 5 years ago

That is crazy to me. Could you at least link PayPal to an account which you do not leave funds in?

zaarn• 5 years ago

I'd just go to my bank and tell them to reverse the transfer. Thanks to SEPA for that one.

cuteboy192• 5 years ago

Wait so merchants can just pull funds out of accounts without user authentication? This seems tailor made to facilitate fraud.

greedo• 5 years ago

Paypal will issue physical checks if you want to withdraw funds. They charge $1.50 for this service, but I use it since I refuse to link any of my bank accounts directly. I have a credit card linked, but that's a safer (in my mind) way to deal with any PayPal shenanigans.

creshal2• 5 years ago

Paypal still makes it hard for you to automatically transfer out money, so you have to remember to do it manually every so often. And then they'll block you anyway because you tried to transfer out

- too much

- too often

- too seldomly

- too little

Or any combination thereof. The only winning move it to not use it in the first place.

shiftpgdn• 5 years ago

Merchant accounts have a feature called auto leveling to automatically move money to a bank account that can be enabled with a phone call.

PaulDavisThe1st2• 5 years ago

It's trivial set to up automatic payout. The only issue with it is that you can only get daily automatic payout, which for some of us is not desirable.

I manually move $15-20k out of PayPal on the last/first day of every month, and never have an issue with this. Could be because it's a merchant account.

tootahe452• 5 years ago

They offer the worst currency conversion rate imaginable when you go to withdraw to your non-US bank, so some people prefer to keep it in PP as a USD spending account i guess.

MikeDelta• 5 years ago

True, if I have to pay in a foreign currency I let Paypal charge my cc in that currency, so that the cc company converts my currency instead of Paypal.

I don't recall the difference, but I believe the cc company gave me more than an order of magninude tighter spread on the conversion, perhaps even two.

YXNjaGVyZWdlbgo• 5 years ago

I went to visit the US and transferred just 500 Dollars to a friend for our shared Airbnb. The account got suspended because of "unusual activities" I called them and told them it was myself transferring funds and it still took them two weeks to reinstate the account...

lkxijlewlf• 5 years ago

I had a CC lock my account once when I went on a trip to several places in a quick amount of time. I called them and worked it out. Their algos thought it was someone had stolen my card.

Now, before I go on vacation or make a large purchase, I call them and tell them what I'm going to do. I've never had a problem since doing that and it's a very quick call, actually.

I wonder if anyone has tried same with PayPal.

consp• 5 years ago

With my bank I explicitly have to announce in advance if I am going to use my card abroad and can enter specific dates and times online. It's quite easy to do. You can also call if you forgot but then you will have to go online and add days if you want to use it for more than one/a few if I recall correctly.

nitn• 5 years ago

These "unusual activity" detecting algos are a menace. If I use a VPN to access my account, blocked.

Had this issue with Paypal & Digitalocean. Reddit shadowbans accounts made with VPN.

Cthulhu_3• 5 years ago

I mean that's fair enough because that (payment methods being stolen) happens frequently enough, but it should be just as easy to clear it up again.

Over here, banks have set things up so that by default you can't get money from foreign ATMs - you have to activate that first. Because lots of people got their bank card stolen and PIN code skimmed, only for the card to pop up again in eastern Europe or wherever to drain the account.

thewebcount• 5 years ago

I have had a situation where I called my bank to let them know I was traveling overseas so this wouldn't happen, and it still happened. It's utterly ridiculous.

chrismcb2• 5 years ago

I used to travel a bunch and never informed anyone. Then one year I decided to inform my cc. That was the first time my cc was blocked because it unusual activity.

FireBeyond2• 5 years ago

I paid my PayPal credit card with my PayPal balance (which was "cleared funds"), $700 or so, and that triggered a three week hold on both my card and my balance.

datavirtue4• 5 years ago

They hold people's money a lot. Very profitable as they are essentially free overnight loans. Fuck PayPal. Anyone who does business with them is captive.

tjpnz• 5 years ago

All I had to do was login to be suspended a few minutes later for "suspicious activity". Fortunately I didn't have any money in my account. Fuck PayPal.

acomjean2• 5 years ago

“using PayPal to buy and sell clothing on eBay, to exchange money for a poker league she owns and for a non-profit that helps women with various needs. “

I can see one of those things causing an issue (poker league)

We use PayPal for membership fees for our nonprofit. This year they’re limiting us to 2000 a month transfer out which is annoying to us, but we’re small enough to get by.

CaptainZapp• 5 years ago

If they don't like that their service is used for poker activities they are free to dump the customer.

What they are not free to do is to freeze his account and just keep his money.

tzs• 5 years ago

For two of the three cases mentioned, I'd tentatively agree, but in that particular user's case they probably are free to keep the money for several months to a year after they freeze the account because she was running a business in a field that has a high chargeback risk.

Someone has to pay for the high level of consumer protection that people who pay with credit cards receive. Every entity that is in the chain between the issuer of the credit card user and the merchant that receives the payment arranges it so that responsibility of this falls on someone farther down the chain than them. There is no one farther down the chain that the merchant, so the merchant ends up being the one who has to pay for chargebacks.

There is nothing further down the chain than the merchant so it ends up on them. But a merchant that ends up incurring a lot of chargebacks often also is a merchant that ends up not having the money to pay for those chargebacks, and in that case the entity that the merchant was dealing with for accepting payments ends up having to pay.

Thus that entity will almost always have in its contract with the merchant that they can keep some of the funds the merchant earns in reserve to cover chargebacks. I doubt any court will find such terms invalid. They have a legitimate purpose of risk mitigation, the companies will have the data and actuarial analysis to show that the amounts held in reserve are reasonable for the level risk, and the ultimate purpose is to support the strong consumer protections that credit cards provide.

tw04• 5 years ago

What they are not free to do is to freeze his account and just keep his money.

If the poker league is being run illegally, not only are they free to freeze it, they are required to.

Cederfjard• 5 years ago

So they’re preventing you from accessing your own money?

acomjean2• 5 years ago

For a time they are limiting our ability to transfer money out. We talked to support so we'll see what happens . We only open registration once a year for a month. With our event being canceled (pandemic) we did have a lot of refunds. But we've been using them 10 years prior without issue.

Cthulhu_3• 5 years ago

Well if that's in their T's and C's that's fine, to a point, but they can't just silently close an account and take money from people. They need to return the money - it's not their job to play police and judge and seize illicit gains, a court has to decide whether it IS illicit and what happens to it first - and to give an explanation as to why they no longer want to do business with them.

I mean not wanting to do business is every business and person's right. But taking someone else's money without a court order or mandate is theft.

salawat3• 5 years ago

You should look into OFAC. They'll freeze your account for withdrawals, but not deposits, and no one is allowed to tell you it was an OFAC hit.

Make no mistake, financial service in the United States is heavily tilted against the consumer, and your service provider should be considered an actively hostile entity.

leviathant• 5 years ago

Every time I've read about someone making a fuss about PayPal freezing their account, as you get into the details of their business, it quickly becomes apparent that knowingly or otherwise, they're doing something risky enough that it triggered something related to terms and conditions that they didn't bother to read. I realize that's just my anecdote, but when you're working with money, there's a lot of boring reading you should do. Quickly becomes apparent why that opportunity to fill a seemingly obvious hole in a market isn't the opportunity you thought it was.

pdimitar4• 5 years ago

So why not use (Transfer)Wise, I wonder?

voltagedivider• 5 years ago

Yeah, I don't get it either. Never had any problems with Wise and their rates seem fair. Maybe people use PayPal just for the escrow service?

Kaze4045• 5 years ago

Enterprise Wise accounts are not available worldwide.

pdimitar4• 5 years ago

Can you clarify, please? I am legitimately interested.

What stops a big company to have a normal business account?

ranger_danger2• 5 years ago

Payoneer.

pizza2342• 5 years ago

Very good news, especially the potential class action.

Something that I find very interesting is how the individual lawsuits will end. I remember (but can't find) a David vs Goliath case from some time ago, where a user brought Google to the small claims court. He won the case in that venue, but subsequently lost when Google followed up an brought a huge amount of documentation and won. The guy's conclusion was that Google knows _a lot_ of stuff and can leverage it; I think that the events could play similarly, here.

creshal2• 5 years ago

I've been battling dumb Paypal problems both on the end user and the merchant side so often that I'll never again use it if at all possible, especially in shops. It's just not worth the time and effort to try and trick them into doing their job.

throwaway2474• 5 years ago

In my (quite extensive) experience with the company, one should only ever use PayPal as an extremely temporary means to accept payment for clients who can’t pay any other way, and then immediately withdraw the funds to a real bank account.

The company absolutely cannot be trusted, and will do everything in their power to take your money and not give it back. I do not know a single person who uses PayPal regularly for a business who doesn’t absolutely hate the company, because they do this type of thing so regularly.

Recently, when you log into a business account, there is a giant alert that looks like an important warning, that actually says you’re “eligible for a business loan”. You have to dismiss it every single time with the little non-default no thankyou button. And then beg them to give you access to your own money, because apparently you can’t be trusted.

I for one would love to see a lawsuit like this land.

tehwebguy2• 5 years ago

I would add that folks should have a bank account connected to PayPal (etc) that is separate from your day to day accounts.

Not only will it localize any problems[0] but it will limit snooping[1].

[0] If PayPal wrongly deducts money from an account that has basically no funds in it you’ll be able to deal with the problem without having your actual funds locked up.

[1] Seems like basically every non-bank is switching from ACH deposit verification to a service called Plaid that requires your bank username & password, which then screen scrapes your financial details. There’s no reason to hand over your real life financial data when you can just use a dummy account.

monkeybutton• 5 years ago

service called Plaid that requires your bank username & password, which then screen scrapes your financial details

That is hefty accusation. Wouldn't doing that be illegal?

Edit: Looks like they have an entire controversies section on their wiki page and banks are suing them over said sketchy practices. Classy stuff.

RHSeeger2• 5 years ago

Seems like basically every non-bank is switching from ACH deposit verification to a service called Plaid that requires your bank username & password,

Why would anyone EVER do this. That has to be the most insecure and possibly catastrophic possible way to verify information.

patio112• 5 years ago

Prior to going to work for a direct competitor (which I was also a heavy user of), I fed my family out of a Paypal account for approximately 10 years, and had good experiences throughout. Total processed through Paypal on order of $X00,000 mostly in $30 chunks; I don't own the business anymore so can't SQL the breakdown by processor.

The one time my account was limited was after moving $3k immediately following a new apartment move in Japan. Total time to resolution: 2 minutes after calling them.

There, now you know one.

PaulDavisThe1st2• 5 years ago

Very similar position here. $X00,000 for 10 years or so, payments generally in the US$1 - US$50 range. No specific complaints other can a couple of API breakdowns over the course of a decade.

So now they know two.

effingwewt4• 5 years ago

two good anecdotes vs over a decade of non-stop abusive practices.

2 white sand grains on a black beach count for very little.

danlugo92• 5 years ago

and then immediately withdraw the funds to a real bank account.

If you link your bank account, you're at risk of them pulling funds from your bank account due to [reasons].

There's been such cases.

AniseAbyss• 5 years ago

The concept of directly paying someone from your bank account seems completely impossible in America. There always has to be some middleman parasite- who conveniently charges a nice transaction fee for the privilege.

cuteboy192• 5 years ago

A UPI like system would completely solve these problems.

skeletal88• 5 years ago

Yes, why doesn't the US have something like our SEPA where we can just transfer money to someone's account?

salawat3• 5 years ago

Because the U.S. financial system, and access to it is a very powerful tool in terms of international diplomacy, and a crucial source of evidence/intelligence for law enforcement.

Trivial abilities to move money around and an inability to lock out financial endpoints would completely neuter it's utility as sanctioning measure.

patio112• 5 years ago

The payment volume over Zelle, which is instantaneous, free, bank-to-bank transfers, was about $307 billion in 2020. For ACH transactions, it was about $62 trillion (not a typo). Wire transfers are also a thing. So are, for that matter, checks, which by ancient custom are free for all parties but the banks (at least for retail users).

That the payment industry exists when all of the above is true is a fascinating topic. I should probably cover it in a newsletter sometime.

ahefner• 5 years ago

The funny thing to me is that you can't always even pay money to the government itself without involving some middleman parasite that takes 1 or 2% for themselves.

durnygbur• 5 years ago

Tightening of mobile phone policies some years ago locked me out of few paypal accounts, also they seem to completely disregard and abandon security questions created long time ago.

nerbert2• 5 years ago

Surprised it hasn't happened before.

miohtama• 5 years ago

The problem is that usually anti-money laundering laws give the operator and the compliance officer an infinite protection even on a suspected money laundering. As long as the compliance process is followed, no matter how stupid the process is, there is no legal basis to go after account freezer and the company is protected. Thus, the company has no incentive to be reasonable with account freezes.

manbart• 5 years ago

Freezing the account or booting the user from the service is one thing, but seizing the money as a result without any due process seems pretty messed up IMO

johnebgd• 5 years ago

PayPal has worked hard to not be a “bank” so they are long overdue for being sued about this. I know countless vendors who have had their funds stolen.

winter_blue• 5 years ago

It's really and outrageous that this open stealing of customers' hard-earned cash for minor perceived user agreement violations is so freaking rampant, with PayPal. I wouldn't be surprised if it turned out that this literally was a strategy cooked up by the higher-ups at PayPal to buff up the company's gross profits.

notch656a5• 5 years ago

AML/KYC laws are a travesty to a free society. Wealth transfer shouldn't be illegal. Prosecute the underlying crimes and let the judicial process seize proceeds of crime after due process. In the meantime, various electronic systems continue to provide adequate avenues for those seeking minimized exposure to KYC/AML.

lotsofpulp• 5 years ago

I agree, which means electronic money transfer should be a utility offered by the federal government.

mistrial9• 5 years ago

agree with the overall conclusion, have to ask for some reason in the expression of it. That is, there are legitimate reasons to Know Your Customer, yet, those the least in control are unendingly required to jump through ever more hoops. It is easier to exert control on the defenseless, and they do it. Meanwhile, professional money handlers are seriously considering negative interest rates, since there is just that much money being moved around. A requirement for cell phone numbers closes the connection graph, and a reporting requirement of "every transaction USD$600 or greater" (less than one month rent in most places), to my mind, is the straw that breaks the camels back.

matheusmoreira3• 5 years ago

AML/KYC is just the financial version of global mass surveillance. They're bad for society and freedom for exactly the same reasons. I truly hope that some cryptocurrency like Monero will succeed.

mschuster91• 5 years ago

Prosecute the underlying crimes and let the judicial process seize proceeds of crime after due process.

At least a basic identity check (that's the "KYC" part) must be part of bank account onboarding for that to work though. Otherwise, how would a government be able to seize the bank account of a convicted criminal if they had no way to tie the bank account to a criminal?

As for the anti money laundering regulations: these are a very fine line to balance. Personally, I'd like for these to go away the earlier the better since I agree with you that the potential for dragnet-style abuse is way too high, but on the other hand, terrorism financing is a present and clear danger worldwide.

boring_twenties5• 5 years ago

On top of all that (with which I fully agree), it's not even effective, in any plausible sense of that word.

If this analysis[1] is to be believed, AML laws recover less than 1% of estimated laundered funds, at an explicit cost at least an order of magnitude higher than what is actually recovered.

That's not even including the implicit costs, e.g. when innocent people get caught up and lose their accounts or even their funds.

Travesty doesn't even begin to cover it.

[1] https://www.ledgerinsights.com/anti-money-laundering-has-les...

Seattle3503• 5 years ago

KYC laws are a tragedy that perpetuate the unranked I the digital age. without an ID you don't exist to the global financial system. Nevermind that some countries are too poor or lack the infrastructure to provide all of their citizens with IDs. Not to mention poor citizens in wealthy countries who don't have ID.

perlpimp2• 5 years ago

Am at paypal this is every year in compliance videos, there must be terrible and inept bureaucracy - not sure what is that side of the story. but i can see them no wanting to invite ire of regulatory punishments. go to small claims court if its a small sum. you should not keep large sums at any online outfit, paypal, coinbase or others. Even bank account is a suspect space, better stow money in money market funds for quick liquidity, its super easy to defraud it.

tootahe452• 5 years ago

Governments need to ban 'shotgun KYC', which is where they let you put funds in the account before they freeze it and make you do KYC, rather than making you do KYC directly on sign-up. You're effectively forced to give away your info or lose the funds. Sites like Paypal don't want this to happen because registrations would drop off majorly if you had to KYC on sign up.

Sargos• 5 years ago

Governments encourage and are the ones pushing shotgun KYC so I would maybe phrase your comment more like "Citizens need to rebel against 'shotgun KYC'.

joejohns• 5 years ago

I resorted to using another payment gateway to prevent freezing accounts and funds; this is great news.

sys_64738• 5 years ago

Paypal threatened to cancel my account because I closed the linked bank account and canceled the linked credit card. OK, go ahead.

Ekaros• 5 years ago

That took way way too long... How is it possible that this happens only now and not shortly after PayPal launched?

thebiss• 5 years ago

Before Paypal launched, only companies had relationships with payment processors and could directly accept major credit cards. Individuals had basically nothing.

Paypal was a huge catalyst for online auctions and small business, and it took took time for behavior like this to develop. And as others have said, they worked hard to not be a bank.

toast0• 5 years ago

I can recall reading many PayPal horror stories, but as I recall, they were all accounts frozen and then usually closed and paid out 6+months later. This story and others in comments suggest PayPal has decided not to pay out the frozen accounts anymore. Damages from freezing the money for 6 months are real, but may not be realistically legally actionable; damages from not paying the funds are clearly actionable.

datavirtue4• 5 years ago

Why doesn't this fall under the CFPB? The money is held in a bank account which ultimately belongs to the PayPal customer.

When I was in the prepaid card industry we held money for people in our bank account just like PayPal does. The bank held us to account for each of our customers. We accidentally prevented some people accessing thier finds for a few days due to a software glitch and had our asses handed to us. As we should have.

One lady was prevented from accessing her $200 for a few days and her lawyer extracted our maximum arbitration amount of $8000 from us.

dragonwriter• 5 years ago

Why doesn't this fall under the CFPB?

Who said it wouldn't? Government action to vindicate consumer rights is generally complaint-based and not exclusive of private rights of action, so a private class action isn't evidence that a thing is not also within the enforcement jurisdiction of a government agency.

carlsborg• 5 years ago

Bitcoin (and others) solve this.

ddtaylor2• 5 years ago

PayPal closed an account of mine after 20 years without explaining anything because I logged in one day while still connected to my VPN.

ComodoHacker• 5 years ago

We should legitimize using VPN like we legitimized and then adopted e2e encryption.

ddtaylor2• 5 years ago

I'm all for it, but my overall experience so far has been that if something happens to a small percentage of users - like 1% or less - then overall it won't gain traction or matter much. I am interested if this class action gets an support because I will for sure join it out of spite for how poorly they handled the situation and how they kept my money locked up for 6 months.

vmception2• 5 years ago

Apple iCloud Private Relay is attempting to do that

logicalmonster• 5 years ago

The thing that's surprising to me isn't that big corporations will do their damndest to rob people blind, it's that within minutes/hours/days after reading this thread, there will be a horde of people who read this article and smugly decry crypto saying there's no use case or purpose for it.

finiteseries• 5 years ago

Seizing funds without explanation or restitution is a well known use case for cryptocurrencies at this point.

JRGC1• 5 years ago

Good

dm03514• 5 years ago

I'm so happy to see this. I am working on publishing a book on leanpub, and leanpub disburses payments using paypal. Yesterday, I logged into my paypal account and I remembered that this happened to me and my funds and account were frozen since 2010 (something I must have put out of my mind :p).

I was searching for this issue and found this lawsuit and cannot wait to be part of it.

Dealing with Paypal during the time was borderline abusive and I felt helpless every step of the way. In 2010 when they froze my account they mailed me a physical letter with an activation code which took weeks, and when I called to confirm my account I was told that the code was incorrect...

I had very very little money in my account < $100 and I can't imagine how frustrating it would be for someone who needed paypal for their income.

I'm happy to be in a position where I can choose to never use paypal again and I hope they are punished for the way they treat their customers.

kmlx2• 5 years ago

leanpub disburses payments using paypal

generally speaking, is it more complicated for these kinds of payments to be done via wire/swift/etc versus paypal?

pc86• 5 years ago

Wire transfers have borderline predatory fees unless you're moving thousands of dollars, and there's still the issue of "oh you entered one of the numbers incorrectly, hopefully they give you your money back!"

bluGill3• 5 years ago

I've used Zelle and it was easy. My bank is suggesting them (they have first class support), but I have no idea if they are otherwise better/worse than paypal. Most of the time if I owe money it is either credit card or I used my bank's bill pay (which sends a physical check if they don't have an electronic arrangement)

I did a wire transfer once, $15 in fees, but since the amount was from a house sale (to get from the bank where the money was deposited to my mortgage bank - they couldn't do this direct which was annoying). I wouldn't do it for normal things, but with that much money involved I don't blame the banks for some friction and the cost wasn't much. Hopefully I never do one again, and also I hope I'm an oddity for even doing it at all.

designium• 5 years ago

Don't worry.

You won't have that money after they've implemented the inactivity fee last year: https://www.paypal.com/be/smarthelp/article/what-is-the-inac...

savolai• 5 years ago

Wow. Notably receiving money does not make the account active.

Notifications to inactive accounts begins 15 November 2021 and advise simple actions to take before 15 December 2021 to avoid the fee:

- Log-in to your account; or

- Shop wherever PayPal is accepted; or

- Send money to friends & family, or vendors for goods & services; or

- Withdraw money from your account; or

- Donate to a charity with your account

tananaev• 5 years ago

Inactivity fee is such a disgusting practice. It doesn't cost them anything to keep the account.

chias• 5 years ago

Accounts with zero balance won’t be impacted and this charge won’t result in any negative balance.

How gracious.

msgi• 5 years ago

How ironic.

When I was canceling my paypal account a few years ago, paypal prompted me: It's free to have a paypal account, so if you don't want to use it, just leave it.

It's hard for me to imagine when someone opens his old PayPal account and finds out that he was charged 10 €. (not even in US dollars)

mcv• 5 years ago

For over a decade I've heard tons of stories about PayPal freezing accounts for questionable reasons. I've heard of events that were cancelled because the organizers suddenly couldn't access the money people paid to the event, and PayPal wouldn't release the money until they could prove they'd organized the event for which people paid, for which the organizers of course needed that money.

I will never ever use PayPal. Everything I've heard about them makes them sound like an extremely unreliable payment provider.They're not an organization you should trust with your money.

amelius• 5 years ago

They even created this website, back in the old days:

https://paypalsucks.org/

Worth mentioning in this context is this page:

http://paypalsucks.org/paypal-frozen-accounts.shtml

meonly1232• 5 years ago

They frozen my account at Christmas. How do I get in Involved with this

kweks7• 5 years ago

We are Europe's largest site for RFID and pentesting hardware (lab401.com)

We are in the exactly the same situation. PayPal has conducted a personalised, manually executed war of attrition against our company and shareholders.

Eight months ago, PayPal froze our account, seizing 15kEU. They refused to give any justification for the action, despite discussions with C-level staff.

After the 180-day "withholding" period, we were informed that they would not release the funds, for undisclosed reasons.

We immediately engaged legal counsel. PayPal refused to interact with our counsel, and so a C&D was issued. Within one week of the C&D, PayPal did the following:

- Froze the account of our sister company (in Hong Kong), seizing 35k EU

- Froze the personal accounts of all shareholders of the EU and HK corps (~1,5k EU)

- Froze the business accounts of all shareholders by name search (different corporate entities, different businesses) - 5kEU

- Froze the business accounts that the shareholders held (again, different corps, different businesses) - another 5kEU

Our policy is to empty accounts on the 28th of each month. PayPal froze and seized funds in all accounts on the 27th of the month. Based on the time-stamps of the emails, and the order in which the accounts we closed, it's obvious that it was a targeted, manual process (2 - 3 minutes between closing each personal account, 15 minutes to find the next company account, 3 - 5 to close the personal accounts, and then 10 - 15 minutes for the next company accounts).

We engaged secondary legal counsel in Luxembourg (PayPal's EU headquarters). Again, PayPal refused to disclose any reason, justification or proof, replying with typo-ridden copy-pasted document from a low-level legal peon, concluding that no funds would be returned, the businesses and personal accounts were deemed 'illegal', and as such, PayPal would confiscate all funds.

All KYC was performed. All accounts had been "audited" by PayPal (when you reach the 5k, 50k, 100k+ processing tiers).

Needless to say, operationally - we have shipped 50kEU of hardware to customers, and face losses of the hardware, and costs of replacing stock. I agree with the standpoint: this is purely racketeering - an online equivalent of Civil Forfeiture.

For extra context, as the points have been raised in other comments:

- In a perfect world, no merchant would use PayPal. In our experiments, disabling PayPal cuts revenue by ~30% in our industries.

- Pentesting products could include illegal products: keyloggers, etc. We sell no such products for obvious legal and compliance reasons. All the products we sell are sold by countless other resellers that use PayPal. We have processed Visa/MC with Stripe for over 6 years with no problems (legal, chargeback, etc)

- We empty accounts regularly, to minimize fallout. However, you have to keep a healthy minimum in accounts when dealing with large volume, or accounts get limited automatically (presumably to avoid merchants pulling cash to avoid chargebacks / refunds)

- We have already 'invested' over 20k in legal fees. I justify this cost in (perhaps falsely) believing that we could establish some case law that could benefit other merchants.

It's unfortunate that we cannot join the class action in the US, or we'd be into it. With that said, if anyone merchant in the EU has similar issues, it could be interesting to investigate if a similar action can be mounted in the EU. Feel free to reach out: simon at sn dot cm (not a typo).

kmlx2• 5 years ago

We immediately engaged legal counsel. PayPal refused to interact with our counsel, and so a C&D was issued. Within one week of the C&D, PayPal did the following:

- Froze the account of our sister company (in Hong Kong), seizing 35k EU

- Froze the personal accounts of all shareholders of the EU and HK corps (~1,5k EU)

- Froze the business accounts of all shareholders by name search (different corporate entities, different businesses) - 5kEU

- Froze the business accounts that the shareholders held (again, different corps, different businesses) - another 5kEU

how can any of this be legal? aren't there laws prohibiting such actions from PayPal?

nerbert2• 5 years ago

When you don't need to justify your actions and are allowed to stay vague, everything is permitted.

bluGill3• 5 years ago

how can any of this be legal? aren't there laws prohibiting such actions from PayPal?

laws are only as good as the legal enforcement.

kweks7• 5 years ago

Based on the advice given from our French, Hong Kong and Luxembourg lawyers, it's not legal. But the barrier for _proving_ that it's not legal is very high.

PayPal don't reply to account holders, and they don't reply in any tangible form to lawyers. PayPal forced us (and our lawyers) to sign three rounds of paperwork before they would even acknowledge correspondence from our lawyers, despite the fact that our lawyers were obviously retained and representing us.

Likewise, the delay between each step averaged 1.5 months.

At the end of all of the hoops, they gave a copy-pasted letter that said _exactly_ the same thing that their initial "You can no longer do business with PayPal" emails said.

They know that legal representation is expensive. They know that you'll have to get representation (at least in the EU) in multiple jurisdictions. They know that by drawing out the affair over months, you'll bleed money, and at some point, you'll end up saying: We've lost more money on lawyers than PayPal seized, and you'll give up.

The only recourse that appears to remain for us is actually going to court (and our claims won't fit in the small claims court). At which point, while they'll possibly return the stolen money, they won't re-open the accounts, so we still lose.

In any case, I feel we have a moral obligation to force them to court, with the hopes of establishing some case law for other merchants.

jackson14422• 5 years ago

In our experiments, disabling PayPal cuts revenue by ~30% in our industries.

I’m curious- have you considered adding other third party gateways (Apple Pay/Amazon Pay/something else)? I personally try to avoid entering my card number, so my general order of precedence is Apple Pay > Amazon Pay > Paypal > card entry.

kweks7• 5 years ago

We have Shopify's "Pay" and Apple Pay, crypto and regular Visa / MC gateways (Stripe). We haven't tried Amazon pay - I'll try it as an experiment to see what happens.

However, the fact remains that removing PayPal means losing business. Consumers are shielded from (most) PayPal's horrors, and just see the advantages: ease of use, ubiquity and "guaranteed win" claims against the merchant.

throw109202• 5 years ago

- Froze the business accounts of all shareholders by name search (different corporate entities, different businesses) - 5kEU
- Froze the business accounts that the shareholders held (again, different corps, different businesses) - another 5kEU

Shareholders? Not execs, but shareholders?

If true, this is one of the worst things that I have ever seen a company do, and this should probably be the top comment.

kweks7• 5 years ago

For clarity, we are not a publicly held company, the EU corp is owned by two entities 50/50.

The business accounts of the shareholder companies (in unrelated industries) were frozen, the personal accounts of the owners of the shareholder's companies were frozen, and any other account related (via email, name, passport, credit card, bank account, domain or corp name) were frozen.

We woke up to 6 "you can no longer do business with PayPal" emails, sent over the space of 30 minutes. You can clearly see the trail: corp one, shareholders of corp one. Corps of each shareholder. Accounts with the same email domain. Accounts of permutations above.

b8• 5 years ago

I'm happy that this is happening. Small buisness owners, Twitch streamers etc. can get their PayPal account locked pretty easily for "suspicious" activity (i.e chargebacks or a few thousand dollars). Then PayPal locks their account for 180 days with little to no recourse. The big Twitch streamers register an LLC which PayPals gives more leniency to AFAIU.

johndough• 5 years ago

"AFAIU" stands for "as far as I understand".

(So those who have never seen this acronym do not have to google for it.)

foxfluff• 5 years ago

Yeah... I've been hearing these horror stories about paypal for a very long time now and it makes my blood boil knowing that nothing's ever been done about it. I really hope that a big change is about to happen.

ckastner4• 5 years ago

Lena Evans, one of the plaintiffs who'd been a PayPal user for 22 years, said the website seized $26,984 from her account six months after it got frozen without ever telling her why.

Wait, what? They're actually taking the money? I thought the article was just being careless with the terms "frozen" and "seized".

On what power are they doing so? It's understandable when the relevant authorities (be it a tax authority, or a financial supervisory authority, or a court, or whatever) seize money, but they are not an authority.

Furthermore, if the money in question actually were illicit, then by what fantasy argument would they be allowed to keep it themselves rather than having to hand it over to the goverment? The entire point is that the money is dirty and nobody may keep it.

gruez• 5 years ago

They're actually taking the money? I thought the article was just being careless with the terms "frozen" and "seized".

but that's also the plaintiff's claim, so I wouldn't exactly call that reliable.

kweks7• 5 years ago

See my comment below: they just seized (not frozen, seized) 50k EU from us in a targetted attack against our company and shareholders because we took legal counsel when they froze the accounts.

effingwewt4• 5 years ago

Good. I love when companies are so big they do as they please and retaliate when brought to task.

Hopefully it's one more nail in their coffin.

All the best, hope this is the beginning of their end.

ckastner4• 5 years ago

At the risk of arm-chairing this too much: did you contact the CSSF, who seems to be the supervisory authority responsible for AML enforcement in Luxembourg?

To highlight how insane this sounds: let's assume, for the sake of argument, that your 50K is suspected to be cocaine money. There exist exactly two outcomes: either you are exonerated and you get your money back, or you're eventually found guilty of something, and the government takes the money.

But Paypal? They have zero claim to the money, and they could be in hot water even for merely holding on to it.

But to seize it? There is just no way that any bank involved in AML enforcement can keep funds for themselves, and any supervisory authority who's handed evidence to such a practice would tear them apart.

nikanj• 5 years ago

On what power? ”We are big and have money. You are small and have no money”.

This has been a reliable source of power for at least a century

edoceo2• 5 years ago

Longer than that.

ckastner4• 5 years ago

I meant on what official authority.

I understand what you meant to say, but realize that this is like some random bully stopping cars on the highway and issuing speeding tickets. Victims might play along for a while, but when actual law enforcement shows up, the bully is going to have a very bad time.

mdek2• 5 years ago

Per the article, Paypal is seizing the money as damages:

It also said that the money was taken from her account "for its liquidated damages arising from those AUP violations pursuant to the User Agreement.

ckastner4• 5 years ago

Indeed, this is an important point that I missed. So if I get this right, this isn't about actually AML activity, but a civil claim under something like ToS.

So I looked up the AUP, and indeed: they claim $2,500(!) liquidated damages per violation of the AUP, which is on average a ridiculously high amount. Selling 10 individual bottles of wine without approval will incur $25,000 damages under this scheme.

Given these terms, you have to be absolutely nuts to sign any agreement with Paypal.

sam0x17• 5 years ago

if the money in question actually were illicit, then by what fantasy argument would they be allowed to keep it themselves rather than having to hand it over to the goverment? The entire point is that the money is dirty and nobody may keep it.

I don't know what fantasy they operate under, but back in the 2010s I observed Google doing this numerous times with "seized" click fraud revenue -- one of my sites was a victim of a click fraud attack as an attempt to get my AdSense account banned, and my friend's site at the time was advertising on my domain via AdWords and he didn't see any kind of refund despite the $800 that was taken from me (which was the entirety of my revenue for that month). Google just keeps funds they seize I'm pretty sure, or at least they did back then.

Jiro• 5 years ago

Link to actual lawsuit: https://aupdamages.com/wp-content/uploads/2022/01/PayPal_Fil...

(I had to Google this and find it in a Reddit thread, so it's not directly from the court's website. If anyone can find that it'd help)

kingcharles2• 5 years ago

It took a bit to find it because PACER's search is awful. Plus you have to PAY for every search.

I bought all the current docket entries and added them to RECAP so you can download them for free:

https://www.courtlistener.com/docket/62596200/evans-v-paypal...

EDIT: From PayPal's AUP in the Complaint.. yowch! "You acknowledge and agree that $2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal’s actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing balance in any PayPal account you control."

couchand• 5 years ago

You don't generally actually pay for PACER unless you are using it at a professional volume.

usmannk• 5 years ago

I've never actually paid for PACER. They waive the fees if you're below $X every quarter. And it's a generous enough $X.

kingcharles2• 5 years ago

If you're a big enough customer they give you your own personal account manager and he'll make sure your account stays open and running whatever happens. I had millions coming through PayPal when I was running a private tracker and I could speed dial our PayPal man if I needed.

vmception2• 5 years ago

Use P e r m i s s i o n l e s s systems

It's been 13 years guys. They use way less energy and cause way less carbon emissions than these behemoths.

bastardoperator• 5 years ago

This has been happening to folks for ages. I'm looking forward to understanding why Paypal thinks it can steal from it's customers without facing repercussions. I wouldn't do anything serious with Paypal for this exact reason.

kragen2• 5 years ago

Because they've been doing it since last millennium, and the competing services that didn't steal from their customers went bankrupt because of fraud and reversed payments.

anovikov• 5 years ago

Good answer to people who ask what is the point of crypto...

umrashrf• 5 years ago

It sounds like these lawsuits are used to bring the confidence back into the company (PayPal) to keep their unicorn status so US government can benefit from this. I might be paranoid or just crazy to think like this.

johnboiles• 5 years ago

Great to see this! Not to the same scale as seizure but using buymeacoffee.com for OSS donations PayPal would lock my account every month or two until I uploaded a bunch of documents (which were always the same docs each time). Each time it was a little uncertain if I'd be able to get my money out or not. Meanwhile PayPal would happily continue to receive money in my name that I didn't have access to.

mdavis6890• 5 years ago

This is devastating to those users affected by this, but I believe that the blame doesn't lie solely with PayPal. Unfortunately there are many laws they must comply with that delegate enforcement to private companies like PayPal rather than where is belongs - the government.

From the article: PayPal allegedly sent his wife a letter that says she "violated PayPal's User Agreement and Acceptable Use Policy (AUP) by accepting payments for the sale of injectable fillers not approved by the FDA."

If PayPal DOESN'T freeze the account and hold the money, they can get in far larger trouble with the government. Why should PayPal be involved in this enforcement at all? If the FDA doesn't like what this seller is doing, let the FDA themselves go after the seller and leave PayPal out of it. But the law doesn't work that way.

I had $10k's in an account with BofA that was frozen and nearly killed the closing on a house I was buying at the time. Because they had a mailbox address on file for me, rather than my home address. It was horrible for me, but that's what the says that they had to do, and if they didn't the could end up in trouble with the feds facing huge penalties.

Let's try to empathize with all parties and think rationally about the incentives and constraints that they face.

shkkmo• 5 years ago

It was horrible for me, but that's what the says that they had to do, and if they didn't the could end up in trouble with the feds facing huge penalties.

Except that most likely isn't true. The law does not require banks to have your home address. The law does require banks to verify your identity, but there are many ways to do this without requiring a "home address".

The "home address" rule is self-imposed by banks and is yet another way that our country makes life unnecessarily difficult for homeless or itinerant people.

Edit: This is regarding USA law, and I realized I am not where you reside. I assumed USA because of the FDA mention but I realized that was referencing the article so may not be a good clue.

kweks7• 5 years ago

I have (almost) no issue with accounts being frozen. At the end of the day, it's a private company, they can chose if they want to do business with you or not. Likewise, holding for 180 days is aligned with most credit card chargeback limits, so they protect themselves. (There are other ways to go about this, which most other processors handle in a frictionless fashion, ie Stripe).

Having an account frozen is more than annoying, but it's their choice.

However seizing (stealing) funds is completely unacceptable, no matter how it's dressed up. Hell, even if they gave seized funds to charity it'd be slightly more palatable than lining their pockets from proceeds they deemed as "risky".

stronglikedan• 5 years ago

No sympathy here. They've been steali..err..seizing funds for decades, and dodging the lawsuits by leveraging their clout. Sure, maybe they have some regulations to follow, but they willfully choose to ignore the folks they're stealing from, instead of helping them to understand the process of getting their stolen money back, and prevent money from being stolen from them in the future. I hope they're squeezed hard on this one.

throw109202• 5 years ago

think rationally about the incentives and constraints that they face

The incentives never justify unethical behavior, ever.

jliptzin• 5 years ago

Exorbitant punitive damages please, this is long overdue.

LgWoodenBadger• 5 years ago

Fwiw, I closed my family’s PayPal accounts just now in response to this. Enough is enough.

theplumber3• 5 years ago

Recently I've been suspended from an "online bank". It's a traumatic experience, especially if you need the money held in that account.

Fortunately the amount I had there was not that big but the abusive procedure is trumatic. I can't imagine how someone would feel like to have all his rent money blocked in an online bank.

Basically you are told that unless you provide whatever documentation they want you loose the access to your own funds. Of course providing them documentation is no guarantee they will lift the restrictions. The support is via email only. The boarding and verification process it's really just a bite and switch scheme. I don't know how someone would feel safe to keep money in such a bank after they put your account/transactions on hold for days.

I start to like the "crypto currency" concept of owning your money more and more.

clusterfish3• 5 years ago

Your "online bank" does not sound like an actual bank (much like PayPal isn't one).

theplumber3• 5 years ago

Revolut, Monese and others claim to be online banks...can't tell you exactly what makes an "online bank" an "actual bank" but they provide you individual bank accounts (unlike paypal).

perlpimp2• 5 years ago

send photos of your passport etc and and append a form filled out saying that you are filing a complaint with FDIC, they wake up real quick, fines are substantial there.

rpaddock2• 5 years ago

They did this to my late wife's account. They demanded that I prove she was dead, as if I didn't already have enough grief. See the documentary Pain Warriors about that saga.

How do I sign up to be part of this suite?

navbaker• 5 years ago

Did they ask for something more than a death certificate or something similar? That should have been enough, right?

rpaddock2• 5 years ago

I don't recall what all they wanted, it went well beyond the death certificate, which I had already supplied them. I had no issue with that.

I went and talked to a lawyer about and even he was pissed off about such treatment. Alas the amount of money involved it wasn't worth bothering.

This is truly how PayPal makes there money, by taking it from people, even dead ones.

I'm hoping to find good alternatives in this tread...

caseysoftware• 5 years ago

I've also seen scenarios where they undo bank account transfers without notice to clawback funds they're suspicious of.

I finally created a separate bank account that I connected Paypal to and never leave more than $30 with them and zero in the account. Trusting them is a quick route to losing everything they can touch.

jedberg• 5 years ago

When I worked at PayPal, some of the execs would say "we don't make money by giving it back to people". These were the execs that worked directly with Theil and Musk and I'm sure they're long gone, but it was definitely Theil and Musk who pushed for these types of policies right from the start (well Musk agreed when he showed up, he wasn't a founder of PayPal despite what he wants you to believe).

digisign• 5 years ago

Well there it is, Netcraft confirmed it.

stjohnswarts• 5 years ago

This is why I use antiquated banking. At least I have someone to contact if something goes wrong.

gossamer• 5 years ago

Yay! It is about time.

vamega• 5 years ago

Hearing the stories in this thread makes me wonder if anyone has ever tried to get a decree that PayPal owes them the money, and if PayPal refuses to pay show up to confiscate their property.

I know things like this have happened to banks[1]. That would probably get them to start paying attention.

[1] https://abcnews.go.com/Business/bank-america-florida-foreclo...

dobs_bob• 5 years ago

Imagine an Elon Musk company being total douchebags!

basher• 5 years ago

PayPal refuses to let heirs access, or even know if there is a balance on accounts after people die, regardless of death certificates. I wonder how much money is being held by this tactic?

aasasd• 5 years ago

I've heard about their ‘freeze and seize’ business model in mid-late 2000s, so it's been going on for almost fifteen years already, maybe more.

Meanwhile Paypal's early top execs are icons of US business and techbros. This Musk is probably a really solid guy, what's not to like!

salusinarduis• 5 years ago

I don't have anything to add other than to say Paypal stole $1800 from me this way.

Covzire• 5 years ago

I hate paypal's shady business practices almost as much as I hate facebook.

c7DJTLrn• 5 years ago

PayPal and Ebay are like toxic waste. I've had both accounts frozen. Most recently my Ebay account for a reason they will not explain and will not allow me to appeal.

lvl100• 5 years ago

Are they still using pandemic as an excuse for not having live customer service? Paypal is simply the worst. I’ve once had to reach one of their execs to get a problem resolved only they couldn’t get it resolved.

anm89• 5 years ago

Hard for me to understanding how this is only happening now. It feels like this one has been ripe for 5-10 years.

alfalfasprout• 5 years ago

I refuse to use paypal for any nontrivial amounts of money for this exact reason. I once had $10k frozen for no reason at all. I really needed that money back then. Was an absolute nightmare and took weeks to unfreeze.

The only thing I now trust for "quick" payments of larger amounts of money is bank wire.

Cryptocurrencies don't exactly solve this problem since you need to convert back to the fiat currency and you then have exchange rate volatility + withdrawal delays (and crypto exchanges also are notorious for freezing withdrawals).

antux• 5 years ago

When they freeze customer accounts they're essentially taking away people's livelihood and right to live. In a way, it's like killing someone, but slowly and non-violently. This is definitely unjust and deserves a class action lawsuit.

eruci• 5 years ago

Yes, I'll join too. They froze one of my accounts with a cryptic message of "You can no longer do business with paypal" and included another "In six months we'll contact you to let you know how you can withdraw your funds"

By reading on the experiences of people in this lawsuit, I doubt I'll see my money even in 6 months time.

birdyrooster• 5 years ago

As bad as it can be, PayPal is so easy to use for purchases and sending money to anyone anywhere for free. Why anyone would use crypto is confusing to me. We already have the tools we need outside the crypto world and they are creating broken copies.

jaarse• 5 years ago

Currently using PayPal, Stripe (for Visa,MC,ApplePay, etc), Shopify payments and traditional merchant services from brick and motor banks. PayPal is by far the least merchant friendly.

olingern• 5 years ago

I’m in the same position as many other users with frozen accounts. I’ve called and appealed multiple times. I don’t understand how PayPal is a company when they’re clearly out to harm their users.

smoldesu• 5 years ago

Now when can I sue Coinbase for doing the same thing? I've got a couple hundred dollars tied up in their little trading business, and they won't let me withdraw until I verify my info; when I try to verify my info, I get an error.

What gives? Why am I allowed to put money in without verifying, but I can't take money out?

skarz• 5 years ago

This has happened to me in the past. They thought something was suspicious about my account and froze it entirely.

Remember: Paypal is not a bank. That's not your money, that's theirs and they're letting you use it.

Don't keep money in paypal. transfer or spend it immediately.

6510• 5 years ago

In old news: Judge Approves $4M Deal Over Closed PayPal Accounts

https://www.courthousenews.com/judge-approves-4m-deal-closed...

http://www.courthousenews.com/wp-content/uploads/2017/03/Pay...

Some chunk of the doc:

Judge Fogel ruled that: (1) the PayPal User Agreement affords PayPal “sole discretion” to place holds on its users’ accounts, irrespective of whether the user has engaged in restricted activities;
and (2) PayPal has no contractual obligation to provide users with an explanation as to why their accounts may have been frozen.
[...]
Finally, he dismissed the unjust enrichment claim on the ground that the parties’ relationship was governed by an express contract.
etc etc bla bla bla

mickotron3• 5 years ago

I was a customer for 16 years until they decided I couldn't use their services anymore. I had to fill out a bunch of forms and provide a lot of info to a financial services company who'd had a massive breach. I no longer use PayPal.

mickotron3• 5 years ago

HN hates cryptocurrency.

And yet, all the comments on this thread are about banks/paypal freezing funds or transactions.

Decentralised digital money does have value and a use case. It's interesting that most here don't see that this kind of thing would not happen with crypto.

Invictus0• 5 years ago

PayPal is trying to stop fraud; crypto is literally the currency of fraud.

mickotron3• 5 years ago

So cash, wire/bank transfers, paypal have never been used for fraud?

I have news for you. Financial fraud existed even before the concept of what we know of modern money.

I would be confident to assert that pretty much all financial infrastructure and instruments have been used for fraud, historically.

Crypto does not have a monopoly on that and you know it.

sporkland• 5 years ago

I had a total shit thing happen with Paypal. Someone, I had no idea who, sent me $80 for a supposed transaction (which I think may have been legit they just did the wrong email address). Then they asked for a refund when they realized it was in error. Which PayPal wanted me to pay a fee for. I filed a dispute they auto refunded and charged me $20. So I refuse to use it now. They won't let me close the account either.

meandave• 5 years ago

My account was permanently suspended this week, along with some friends I used to share a studio with (they paid me their portion of rent via PayPal), my girlfriend, and the record store a close friend of mine works at. It seemed like my account flipped some automated trigger and it took out my whole payment network. There’s of course no information from customer service. I hope this becomes a class action suit and we can join

meonly1232• 5 years ago

I would like to be added to the law suit. They froze my account at Christmas time how do I get involved

PayPal faces lawsuit for freezing customer accounts and funds

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