I have trouble believing that you were always able to get to the bottom of it and determine it to be one of these causes, not only because it entails a remarkable ability to connect with many otherwise unresponsive posters, and the because it’s so easy for a person to read a challenging story and just assume that missing pieces would make it fit a prior conviction, but because it’d be pretty remarkable if I’m really the end of your ten-year streak. Hi. PayPal stole from me and I fit none of those points. I had a personal account, a friend made a habit of repaying me via PayPal despite my already knowing better, PayPal allowed it for a while then switched to accepting transfers to my account but barring withdrawals or return transfers, in effect taking out a non-consensual unannounced month-long loan from me. You can tell me how PayPal may have become confused and incorrectly believed I’m taking pre-orders, breaking their TOS, money laundering, etc, but those beliefs are factually incorrect, my usage was not inappropriate, and it’s very different to say “PayPal only does it when X” and “PayPal only does it when they believe X, which they frequently do mistakenly”.