United States

Complaint against PayPal Holdings, Inc (San Jose, California). NOT REGULATED. This is their main entity owning everything worldwide serving mainly US customers.

Anyone from any country can still sue them directly there in the USA as there are no laws prohibiting that.

PayPal US: how to recover money

A class action lawsuit was started regarding this by Attorney Eric Bensamochan. The joining form was published for people who wanted to join and to be considered as one of the main plaintiffs. Anyone from any country and any amount could join and there were no upfront fees. The process takes a long time.

The published joining form · Official lawsuit site

Complaints you can file

File a BBB complaint: Better Business Bureau profile for PayPal, Inc
Complain to the CFPB: consumerfinance.gov complaint
Report to the SEC: sec.gov whistleblower tip
Contact your congressperson: house.gov representative finder

Anyone from any country can complain to both the BBB and the CFPB. Make sure to file both complaints against PayPal’s main entity, the parent company PayPal Holdings, Inc of San Jose, California.

Litigating in the United States

If you want to get your money faster by litigating in the USA you are better placed finding your own lawyer willing to work on contingency, or filing a claim in the local small claims court. Lots of people got their money by just sending a demand letter through a lawyer.

If you are in the US and cannot afford hiring a lawyer you can use a mediation service such as fairshake.com, which may help you reach a settlement with PayPal but usually for less than half of your money. The result varies with your negotiation.