Complaint Skrill: SKRILL PAYMENT REFUND ISSUE

My complaint:

SKRILL CLOSE MY ACCOUNT PERMANENTLY AND I HAVE MY PAYMENT IN MY ACCOUNT SO NOW SKRILL CAN’T ALLOW ME TO WITHDRAWAL MY PAYMENT IM TRYING MANY TIME BUT SKRILL SAID OUR DECISION IS FINAL YOU CAN’T ALLOW TO WITHDRAWAL YOUR PAYMENT

Dear Mr Ashraf,
Your complaint against Skrill has been referred recently to the Complaints Department of Skrill for further review and response. We hereby welcome this opportunity to investigate your concerns and to address them accordingly.

Nature of Complaint

To our understanding, you are unhappy that Skrill permanently closed your account and declined your refund request. As a settlement of your complaint, you ask Skrill to reconsider its decision and transfer your remaining balance to your bank account.

Factual Background

According to our records, you registered your Skrill account on 4 February 2016 and agreed to the applicable Skrill Account Terms of Use.

On 15 June 2021, following an internal audit performed on your account, Skrill decided to end its business relationship with you, and an administration fee of 181.88 USD was charged on the same day. Skrill rejected your refund request of your outstanding funds amounting to 1,561.86 USD. You disagreed with this decision and opted to file a complaint.

Our Findings

Having reviewed all aspects of your case, we would like to that Skrill’s decision to cease providing you with service and charge you an administration fee was taken fully in line with its published policies. You may find relevant sections of our mutual agreement quoted below for your convenience:

Quote

4.5. All information you provide during the signup process or any time thereafter must be accurate and truthful. (…)

[…]

11.4. It is strictly forbidden to use your Skrill Account for any illegal purposes including but not limited to fraud and money laundering. We will investigate and report any suspicious activity to the relevant law enforcement agency. We reserve the right to charge you in our sole discretion an administration fee as displayed in the Fees section of the Website for every investigation we undertake into any such suspicious activity, including where we get notified thereof by any third party whom we partner with. You are prohibited from using your Skrill Account in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a merchant or a Third Party Provider on the services it provides.

[…]

16.4. We may at any time suspend or terminate your Skrill Account without notice if:

16.4.1. you breach any condition of these Terms of Use or any other condition applicable to specific services covered by separate terms and conditions;

16.4.2. you violate or we have reason to believe that you are in violation of any law or regulation that is applicable to your use of our services;

16.4.3. we have reason to believe that you are in any way involved in any fraudulent activity, money laundering, terrorism financing or other criminal activity;

16.4.4. we have reason to believe that another Skrill Account or NETELLER Account provided by us or one of our group companies is held by you and has been used for any fraudulent activity, money laundering, terrorism financing or other criminal activity; or

[…]

Unquote

Moreover, Skrill is content with its decision to refuse to release your remaining balance to your possession, pursuant to sections 6.3 and 7.3 of the same terms.

While we realize the seriousness of your concerns and understand that you demand a detailed explanation for our actions, we are not in a position to disclose further details related to our decision due to certain compliance restrictions applied on Skrill. Nevertheless, we can, and we will provide all relevant information to the extent allowed for by law to any relevant authority upon official request so as to facilitate their own investigation and help them resolve the matter in full.

Our Decision

Based on our investigation, and the findings detailed above, we have made the decision not to uphold your complaint, in this instance. Your account will remain deactivated. We appreciate that this may not be the response that you were hoping for, but we hope that you understand the reason for our decision.

We would like to assure you that Skrill takes complaints very seriously, and we draw on the experiences of our customers, to continually improve the products and services we offer. We would, therefore, still like to thank you for bringing this matter to our attention.

Your rights – The Financial Ombudsman Service

In the event that you are dissatisfied with our decision, you also have the right to refer your complaint to the Financial Ombudsman Service, free of charge. Please note that you would need to do so within 6 months of receiving this email, otherwise Skrill will be unable to consent to the Financial Ombudsman Service reviewing your complaint.

You can contact the FOS, where you will also be able to find more information, as follows:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Website: https://www.financial-ombudsman.org.uk/consumers
Email: complaint.info@financial-ombudsman.org.uk
Telephone: 0800 023 4 567 or 0300 123 9 123

A web version of their consumer leaflet (“Want to take your complaint further?”) is available at https://www.financial-ombudsman.org.uk/publications/ordering-leaflet/leaflet.

For more information, please review the attached complaints handling brochure.

If you have any questions regarding our decision, or your complaint, please do nоt hesitate to contact us by replying to this message directly.

Yours sincerely,
Skrill Complaints Department