PayPal account frozen for 6 months

askmeaboutsofas

stragglebod - the issue is not whether OP has broken the law or committed fraud (unlikely), or even whether PayPal believe the OP has done so (possible). The issue is that OP has not acted in line with PayPal's terms and conditions, and those same terms and conditions state that they can ban you and they can hold your money for over 180 days.


https://www.paypal.com/uk/webapps/mpp/ua/useragreement-full#r010

9.1 Restricted Activities. In connection with your use of our website, your Account, or the Services, or in the course of your interactions with PayPal, a User or a third party, you will not:

1. Breach this Agreement (including, without limitation, opening multiple PayPal accounts or breaching the Card Processing Agreement, the Acceptable Use Policy or any other agreement that you have entered into with PayPal (including a Policy));
2. Breach any law, statute, contract, or regulation (including, without limitation, those governing financial services including anti-money laundering, consumer protections, unfair competition, anti-discrimination and false advertising);
3. Infringe PayPal’s or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
4. Act in a manner that is obscene, defamatory, libelous, unlawfully threatening or unlawfully harassing;
5. Provide false, inaccurate or misleading Information;

10.2 Actions by PayPal. If we have reason to believe that you have engaged in any Restricted Activities, we may take various actions to protect PayPal, a User, a third party, or you from Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:

1. We may, at any time and without liability, suspend, block, limit, close or cancel your right to use your Payment Instrument or Account entirely or for any particular transaction, which may in turn suspend, block, limit, close or cancel access to your Account or the Services (such as limiting access to any of your Funding Sources, and your ability to send money, make withdrawals, or remove financial Information). We will normally give you advance notice of any suspension or cancellation but we may, if it is reasonable to do so (for example if you are in breach of this Agreement or we consider it advisable for security reasons), suspend or cancel your right to use your Payment Instrument or Account without prior notice to you;
2. Block your Account and/or hold any funds in the Reserve Account (including, without limitation, for more than 180 days if so required by PayPal, where PayPal’s rights under section 10.2 arise from your engagement in the Restricted Activity set out in section 9.1 ag.);

So there you go. If OP wants to dispute this, I think they'll need a lawyer - PayPal have always taken the approach that they can ban you for any reason they damn well please.

stragglebod

askmeaboutsofas wrote: »

The issue is that OP has not acted in line with PayPal's terms and conditions, and those same terms and conditions state that they can ban you and they can hold your money for over 180 days.

In which case, the OP has nothing to complain about.