A few years ago, my PayPal account was limited without a clear explanation. After the typical 180 day wait, PayPal simply took the entire remaining balance. The transaction history showed a large negative entry with the memo "PayPal's damages caused by Acceptable Use Policy violation", but no numbers, no calculation and no proof of any loss.
I tried everything that normal users try at first: support tickets, phone calls, Twitter messages, random complaints. Nothing worked. I never received a detailed breakdown of the supposed damages and I never saw any third party claims. The answers were always vague references to the User Agreement and the Acceptable Use Policy.
That experience was brutal. It was not only about the money, which was a serious amount for me. It was the feeling that a private company could act like a court, pronounce a sentence, and execute it against my balance with no transparency, no cross examination and no real oversight.
Instead of giving up, I spent years reading case law, regulator guidelines and arbitration rules. I learned how penalty clauses work, how liquidated damages must be justified, and how financial institutions are supposed to treat consumers when they restrict access to funds.
This project is the result of that work. Every guide on this site, every template and every strategy comes from testing arguments in real disputes, including my own. The goal is simple: if PayPal drained your account under the same memo, you should not have to start from zero or suffer in silence for years like I did.
I cannot promise outcomes and I am not your lawyer. What I can promise is this: the information here is written from the perspective of someone who went through the same shock, rage and anxiety, and decided to answer it with structure instead of panic.