On November 11, 2008, you created a PayPal account under the email address firstname.lastname@example.org (“Account 1”) at which time you agreed to PayPal’s user agreement (“User Agreement”). On November 10, 2014, you applied and were approved for the PayPal Business Debit MasterCard® (“Debit Card 1”) at which time you agreed to the PayPal Business Debit MasterCard® Cardholder Agreement (“Cardholder Agreement”). Subsequently, Debit Card 1 was sent to you via US Mail; and you activated Debit Card 1 on January 15, 2015. On August 7, 2015, you created a PayPal account under the email address email@example.com (“Account 2”) at which time you agreed to the User Agreement. On July 6, 2016, you applied and were approved for a PayPal Business Debit MasterCard® (“Debit Card 2”) on Account 2 at which time you again agreed to the Cardholder Agreement. Subsequently, Debit Card 2 was sent to you via US Mail; and you activated it on September 13, 2016. On January 18, 2017, Account 1 became locked as it reflected a negative balance of $30.36 for 120 days or more; however, collections had been previously ceased on Account 1 on January 15, 2015, at your request. On June 29, 2017, Account 2 became locked as it reflected a negative balance in the amount of $42.52 for 120 days or more. These negative balances were caused by payments you authorized is relation to Debit Card 1 and Debit Card 2, for which there were insufficient funds in your respective balances on Account 1 and Account 2 and your associated backup funding methods. On July 11, 2017, you created a PayPal account under the email address firstname.lastname@example.org (“Account 3”) at which time you agreed to the User Agreement. On July 6, 2018, you contacted PayPal customer support regarding a negative balance on Account 3. As a result of the call, collections were ceased on Account 3. On July 24, 2018, you created a PayPal account under the email address email@example.com (“Account 4”) at which time you agreed to the User Agreement. The balance in Account 4 also became negative; and collections were ceased on Account 4 on August 10, 2018, at your request. On November 29, 2018, Account 3 became locked as it reflected a negative balance in the amount of $802.35 for 120 days or more. On December 2, 2018, Account 4 became locked as it reflected a negative balance in the amount of $71.19 for 120 days or more. The negative balances on Account 3 and Account 4 were caused by payment reversals due to eBay disputes that your buyers filed, which were not decided in your favor. It is important to note that the accounts noted above all share the same Social Security Number. They also share a combination of name, street address, phone number, eBay ID, and computer logins. Additionally, we can confirm Debit Card 1 and Debit Card 2 were sent to a street address at which you reside, according to public records. Attempting to circumvent a limitation or negative balance on one account by creating or utilizing other PayPal accounts is a restricted activity as defined in the Restricted Activities & Holds section of the User Agreement. We respectfully request that you refrain from creating additional PayPal accounts, as they will be permanently limited. Upon receipt of your Complaint, PayPal ceased all collection activity for Account 2. However, we have confirmed that the negative balance on each of the abovementioned accounts was not the result of fraud; therefore, you are responsible for reimbursing the negative balances. In regard to your current Complaint with the CFPB, you request that PayPal delete your information from PayPal’s records. Please note that PayPal must be in a position to protect its interests in relation to limited accounts. The regulatory and legitimate interests of PayPal, as they relate to the retention of user records, compel us not to action requests to delete information from an account if the account is not in good standing. We retain information from permanently limited accounts to comply with federal law; prevent fraud; collect any fees owed; resolve disputes; troubleshoot problems; assist with any investigations; enforce a site’s terms and conditions; comply with legal requirements, and take other actions otherwise permitted by applicable law. Thus, PayPal is not willing to accommodate your request to delete your information.
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