I've been using PayPal since 2001.
So here I am with this longstanding account. Out of nowhere, PayPal decides that me, using the same IP and device that I have been for a while, have been hacking into my PayPal to make evil Patreon payments. So, they immediately shut down the ability to make transfers or do transactions. When I get on support, they say that chat can't do anything to help me. I need to be called by a rep during business hours.
I wait the next day for the call. Nothing.
Contact support again, they decide to remove ALL MY CREDIT CARDS/PAYMENT METHODS.
Demand to talk to someone who isn't brain dead stupid.
They give me a one time use code text to use to verify myself to a phone rep. Phone rep says I don't need a verification number. Hangs up on me.
Contact support, ask for someone to fix it. Rep closes my chat without saying a word.
Call again, put on hold for 2 hours before I give up and hang up.
Contact support in a rage, get told to wait 2 weeks for my account's limitations to be lifted.
Wait 2 weeks, nothing changed.
Contact support, get told that my account will be deleted if I continue to try to access my own account.
Give up, decide to boycott PayPal, have no regrets.
...That being said, from 2001-2019, PayPal was fine. I suppose it's the curse of 2020...