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Thanks, added insights I wasn't aware of and balance. > Even PayPal (yes, even PayPal) caps their holds at 180 days. I imagine if PayPal held the account beca

• rgbrenner 7y ago
  Yes, you're correct. PayPal (or anyone else) isn't going to let you run out the clock by not responding to documentation requests, and then go ahead and send the money to you (a potential terrorist) because you hit a 180 day time limit. The 180 days mentioned in the article is BS too: 1) This sentence is false: "This is because the maximum timeframe a customer can dispute in is 180 days". The maximum is almost 2 years... and here's an example for why: Imagine you buy a plane ticket for 9 months from now, and then the airline cancels it and keeps the money... When the clock starts and how long it runs depends on the type of dispute. 2) PayPal can keep your money much longer than 180 days... that's just if they want to hold it for risk mitigation reasons. Their terms actually say they can just terminate your account (no funds) under certain circumstances. Or if you violated their AUP, they can charge you 2500$ per incident. That kind of a fine would wipe out most balances.