I recently had a message from PayPal telling me that my account has been permanently suspended due to 'unacceptable risk'. I have only ever used it to make small payments to eBay and such, and I have a maximum credit score on Experian. So there must be some mistake. The 'permanently' language is pretty obnoxious. I logged into my account to check and this is legitimate and not phishing
What kind of rights do I have in this situation? Do I have a right to an explanation of what the 'unacceptable risk' is? Do I have a right to know whether this decision was made by a human being or by an automated system? (It looks pretty much definitely automated to me) Do I have a right to have a human being review the decision? Do I have any other relevant rights that may be helpful for for me to know about before ringing Paypal to discuss this?
I live in the UK.
Edit; o.m. pointed out in the comments that if I am with the EU subsidiary of PayPal then the situation may be different as PayPal is considered a bank in this jurisdiction. It looks like this is the case and I am registered with the EU version